1. Agreement & acceptance
The full Terms & Conditions, Privacy Policy, AML/KYC Policy, and incorporated schedules form a binding agreement between you (or the entity you represent) and 75 Pillars LLC, a Michigan limited liability company. You must be at least 18 and have authority to contract. We may update the Agreement by notice; continued use after the effective date is acceptance where permitted.
2. Nature of 75 Pillars
75 Pillars acts as a non-discretionary payment execution agent. We act only on complete client-initiated Execution Instructions. We do not take custody of client fiat or Digital Asset private keys, do not pool client funds, and do not receive, hold, or transmit fiat currency. Regulated custody, conversion, and fiat settlement are performed by licensed third parties under their own terms. 75 Pillars is not a money services business, money transmitter, bank, broker-dealer, or investment adviser, and does not operate a trading venue or OTC desk. Nothing on the Platform is investment, legal, tax, or accounting advice.
3. The Services
Subject to eligibility, the Platform enables you to direct Digital Asset payments to designated recipients. Instructions are screened, routed to applicable licensed providers, and confirmed with fee disclosure. We may decline or delay incomplete, non-compliant, or high-risk instructions. Blockchain transactions are generally irreversible; you must verify all details before submission.
4. Eligibility, registration & verification
Use requires a registered account and accurate information for identity verification and financial-crime prevention (including through providers such as Veriff). We may refuse registration, limit accounts, or set transaction limits. Information may be used for sanctions and watchlist screening as required by law.
5. Client responsibilities
You are responsible for the accuracy of every Execution Instruction, security of credentials and API keys, and all activity under your account. Report suspected compromise to info@75pillars.com. Use is limited to lawful commercial purposes on your own behalf (or your entity). You are responsible for taxes arising from your use of the Services.
6. Service Fee
Each executed payment is subject to a service fee of the gross transaction amount, deducted at execution and itemized in the confirmation. No service fee is charged for declined or failed instructions. Network (gas) fees and third-party provider costs are additional and disclosed at transaction time. Fee changes require advance notice as described in the full Terms.
7. Risk disclosures
Digital Assets are not legal tender, are not government-insured, and may lose all value. Regulatory and blockchain risks apply. Transactions may be irreversible. Your use of the Services is at your own risk. Nothing on the Platform is a recommendation to acquire, hold, or dispose of any Digital Asset. See also our Compliance page.
8. Prohibited uses
You may not use the Services for unlawful activity, sanctions evasion, fraud, market abuse, unauthorized access, or to circumvent controls. Certain high-risk businesses and activities are prohibited as listed in the full Terms.
9. Data, security & intellectual property
Personal data is processed under our Privacy Policy. You receive a limited, revocable license to use the Platform; all rights in the Platform and marks remain with 75 Pillars and its licensors.
10. Suspension & termination
We may suspend or terminate access for legal, compliance, fraud, provider, or breach reasons. You may close your account by settling obligations and notifying info@75pillars.com. Certain sections of the Agreement survive termination.
11. Disclaimers, liability & indemnity
Services are provided "as is" and "as available." To the maximum extent permitted by law, aggregate liability is limited to Service Fees paid in the twelve months before the claim. You indemnify 75 Pillars against claims arising from your breach, misuse, or unlawful use of the Services.
12. Disputes & governing law
Michigan law governs. Parties first attempt informal resolution via info@75pillars.com for at least 30 days, then binding AAA commercial arbitration in Michigan on an individual basis (class actions waived to the extent permitted). Claims must generally be brought within one year where allowed by law.
13. Contact
Questions: info@75pillars.com. Full role allocation among 75 Pillars and third-party providers appears in Schedule A of the complete Terms.
Related: Privacy Policy · Compliance