TERMS AND CONDITIONS OF USE

The company operates under the jurisdiction of El Salvador and is duly incorporated in accordance with Salvadoran laws.

2. DEFINITIONS

2.1 "Platform" refers to the website, mobile application, and technological systems operated by Yo Estoy Bitcoin, S.A. DE C.V. under the "Estoy" brand.

2.2 "User" means any natural or legal person who accesses and uses the Platform's services.

2.3 "Cryptocurrencies" includes Bitcoin, Ethereum, and any other digital assets supported by the Platform.

2.4 "KYC" refers to "Know Your Customer" procedures required by Salvadoran legislation.

2.5 "AML" means Anti-Money Laundering and Counter-Terrorism Financing policies.

3. ACCEPTANCE OF TERMS

3.1 By accessing or using the Estoy Platform, the User expressly accepts these Terms and Conditions.

3.2 If the User does not agree with any part of these terms, they must refrain from using the Platform.

3.3 These terms constitute a legally binding contract between the User and Yo Estoy Bitcoin, S.A. DE C.V.

4. SERVICES OFFERED

4.1 Exchange Services: Purchase, sale, and exchange of supported cryptocurrencies.

4.2 Custody Services: Secure storage of digital assets in digital wallets.

4.3 Conversion Services: Conversion between cryptocurrencies and fiat currency (USD).

4.4 Additional Services: Other digital financial services that may be added in the future.

5. ELIGIBILITY AND REGISTRATION

5.1 Age Requirements: Users must be 18 years of age or older.

5.2 Jurisdiction: Services are available to residents of El Salvador and permitted jurisdictions.

5.3 Identity Verification: All Users must complete the KYC process before accessing services.

5.4 Required Documentation:

• Valid national identity document (DUI)
• Proof of address not older than 3 months
• Selfie photograph for facial verification
• Additional information according to risk profile

5.5 Prohibitions: Persons on international sanctions lists or disqualified by competent authorities may not register.

6. REGULATORY COMPLIANCE

6.1 Bitcoin Law: Estoy operates in compliance with El Salvador's Bitcoin Law (Decree No. 57 of 2021).

6.2 Anti-Money Laundering: We strictly comply with:

• Anti-Money Laundering and Asset Laundering Law
• Special Law Against Acts of Terrorism
• Central Reserve Bank of El Salvador regulations

6.3 Transaction Reporting: Transactions exceeding established limits will be reported to the FIU (Financial Intelligence Unit).

6.4 Cooperation with Authorities: We fully cooperate with legal investigations and requirements from competent authorities.

7. LIMITS AND RESTRICTIONS

7.1 Verification Limits:

• Basic Level: Up to $1,000 USD daily
• Intermediate Level: Up to $10,000 USD daily
• Advanced Level: Personalized limits based on profile

7.2 Withdrawal Limits: Subject to additional verifications based on amounts and frequency.

7.3 Geographic Restrictions: Services may not be available in certain jurisdictions.

8. FEES AND COMMISSIONS

8.1 Fee Structure:

• Trading fees clearly published on the Platform
• Withdrawal commissions by cryptocurrency
• Premium service fees

8.2 Fee Modifications: Fees may be modified with 30 days prior notice.

8.3 Taxes: Users are responsible for their tax obligations under Salvadoran legislation.

9. SECURITY AND CUSTODY

9.1 Security Measures:

• Mandatory two-factor authentication (2FA)
• End-to-end data encryption
• Cold storage for majority of assets
• 24/7 monitoring of suspicious activities

9.2 Asset Custody:

• Assets maintained in segregated wallets
• Insurance for digital asset protection
• Regular security audits

9.3 User Responsibility:

• Maintain secure credentials
• Report suspicious activities immediately
• Use secure devices to access the Platform

10. PROHIBITED ACTIVITIES

10.1 Prohibited Activities:

• Money laundering and terrorism financing
• Fraud, market manipulation, or illegal activities
• Violation of international sanctions
• Using the Platform for unauthorized purposes

10.2 Consequences: Violations may result in suspension or permanent account termination.

11. PRIVACY AND DATA PROTECTION

11.1 Data Collection: We collect information necessary to comply with regulatory obligations and provide services.

11.2 Information Use: Data is used exclusively for:

• Identity verification and KYC/AML compliance
• Service provision
• Compliance with legal obligations

11.3 Protection: We implement technical and organizational measures to protect personal data.

11.4 Sharing: Data may be shared with authorities when legally required.

12. LIMITATION OF LIABILITY

12.1 General Limitations: Yo Estoy Bitcoin, S.A. DE C.V. shall not be liable for:

• Losses due to market volatility
• Service interruptions for maintenance
• Acts of force majeure
• User errors

12.2 Maximum Limit: Total liability shall not exceed the value of fees paid by the User in the previous 12 months.

12.3 Exclusions: Indirect, special, incidental, or consequential damages are excluded.

13. FORCE MAJEURE

13.1 We shall not be liable for delays or non-performance caused by circumstances beyond our reasonable control, including:

• Natural disasters
• Government actions
• Internet or public service interruptions
• Pandemics or health emergencies

14. MODIFICATIONS

14.1 Right to Modify: We reserve the right to modify these terms at any time.

14.2 Notification: Significant changes will be notified at least 30 days in advance.

14.3 Acceptance: Continued use of the Platform after modifications constitutes acceptance.

15. TERMINATION

15.1 User Termination: Users may close their accounts at any time.

15.2 Company Termination: We may terminate accounts for:

• Violation of these terms
• Suspicious or illegal activity
• Regulatory requirements
• Business decision

15.3 Termination Effects:

• Platform access is immediately suspended
• Assets may be retained pending investigations
• Compliance obligations continue

16. DISPUTE RESOLUTION

16.1 Governing Law: These terms are governed by the laws of El Salvador.

16.2 Jurisdiction: The courts of San Salvador shall have exclusive jurisdiction.

16.3 Arbitration: Disputes may be submitted to arbitration under the Arbitration Center of the Chamber of Commerce of El Salvador.

16.4 Mediation: Mediation will be encouraged before formal legal proceedings.

18. GENERAL PROVISIONS

18.1 Contract Integrity: If any provision is invalid, the remainder remains in force.

18.2 Assignment: Users may not assign their rights without written consent.

18.3 Language: In case of conflict between versions in different languages, the Spanish version prevails.

18.4 Notifications: Official communications will be made through the Platform or registered email.

19. ACKNOWLEDGMENTS AND DECLARATIONS

19.1 The User acknowledges that:

• They have read and understood these terms
• Digital assets involve significant risks
• There is no guarantee of profits
• Regulations may change

19.2 The User declares that:

• They have legal capacity to contract
• The information provided is true and complete
• They are not on sanctions lists
• They understand the risks involved