Terms and Conditions

Terms and Conditions

Last Updated: March 9, 2026

Last Updated: March 9, 2026

These Terms and Conditions ("Terms") govern your access to and use of the website www.wefi.co, together with any subdomains, mobile or web-based applications, application programming interfaces (APIs), and any related products, tools, features, or services made available from time to time (collectively, the "Website" or the "Platform"), operated by WeFi ("WeFi", "we", "us", or "our").

By accessing, browsing, registering an account on, or otherwise using any part of the Website or the Platform, you confirm that you have read, understood, and agree to be legally bound by these Terms and by our Privacy Policy, which forms an integral part of these Terms. These Terms constitute a legally binding agreement between you ("User", "you", or "your") and WeFi in relation to your use of the Platform and the Services.

If you do not agree to any provision of these Terms or the Privacy Policy or other documents on the Website, you must immediately discontinue your access to and use of the Website and the Platform and must not register an account or use any Services.

WeFi reserves the right to amend, modify, or update these Terms from time to time for legal, regulatory, security, or business reasons. Any such changes shall be published on the Website and shall become effective as of the date of publication, unless a later effective date is expressly stated. Your continued access to or use of the Website or the Services after the effective date of any updated Terms constitutes your acceptance of such updated Terms.

These Terms apply to all users of the Website and the Platform, including visitors, account holders, and any other persons accessing the Services, unless expressly stated otherwise or unless a separate written agreement has been concluded between you and WeFi governing specific services.

I. Definitions

1.1. For the purposes of these Terms and Conditions, the following terms shall have the meanings set forth below:

"Account" means a user account created on the Platform enabling access to the technical and informational features of the Services and to the software interface provided by WeFi.

"Content" means any information, data, text, graphics, images, audio, video, software, or other materials made available on or through the Website or the Platform..

"Intellectual Property Rights" means patents, patent applications, trademarks, service marks, trade names, logos, domain names, copyrights, database rights, design rights, know-how, confidential information, and all other intellectual property rights and similar or equivalent rights anywhere in the world, whether registered or unregistered, existing now or in the future, including any renewals or extensions thereof.

"Platform" means the online software environment operated by WeFi for the provision of technical and infrastructure services.

"Privacy Policy" means the document describing how WeFi collects, uses, stores, and protects Personal Data, as published on the Website and amended from time to time.

"Services" means the technical, infrastructure, and support services provided by WeFi through the Platform, including software tools, user interfaces, connectivity features, and operational support enabling Users to access third-party services.

"Terms" means these Terms and Conditions, including any schedules, appendices, and any future versions that may be updated, modified, or replaced by WeFi from time to time.

"Trademarks" means trademarks, service marks, logos, and other identifying marks of WeFi or third parties displayed on the Website or Platform.

"User" means any natural person or legal entity that accesses or uses the Website and the Platform and has accepted these Terms.

"Website" means the website located at www.wefi.co, including all subdomains, subpages, and associated online platforms operated or controlled by WeFi.

"WeFi", "we", "us", or "our" means the 3-102-939581 S.R.L. legal entity operating the Platform and providing the Services, duly incorporated under the laws of Costa Rica.

"You" or "your" means the User of the Website and the Platform.

Accordingly, the terms "You" and "Your" shall be construed in relation to the User.

1.2. Words used in the singular form shall include the plural, and words used in the plural form shall include the singular, unless the context otherwise requires.

1.3. Expressions such as "including", "among other things", "in particular", and similar expressions shall be construed as illustrative and shall not limit the meaning of the words preceding them.

1.4. Headings and section titles are included for convenience only and shall not affect the interpretation of these Terms.

1.5. Any reference to a statute, regulation, or legal provision shall include any amendment, extension, re-enactment, or subordinate legislation made under it from time to time.

1.6. Terms not otherwise defined herein shall be interpreted in accordance with their generally accepted legal or technical meaning.

II. Introductions

2.1. These Terms and Conditions (the "Terms") govern the access to and use of the Website and the Services provided by WeFi through the Platform and any related applications, interfaces, or technical solutions made available from time to time. The Terms constitute a legally binding agreement between WeFi and the User and set out the rights and obligations of the parties in connection with the use of the Platform and the Services.

2.2. The Platform enables Users to access technical services.

2.3. By accessing or using the Platform, creating an Account, or otherwise utilizing any of the Services, the User confirms that the User has read, understood, and accepted these Terms and agrees to be bound by them. If the User does not agree with any provision of these Terms, the User must refrain from accessing or using the Platform and the Services.

2.4. Nothing in these Terms shall be construed as creating any partnership, agency, fiduciary, or joint venture relationship between the User and WeFi. WeFi provides the Platform and the Services strictly on a contractual basis in accordance with these Terms.

2.5. The User acknowledges that WeFi does not provide investment advice, financial advice, legal advice, or tax advice. Any information made available on the Platform is provided for general informational purposes only and shall not be construed as a recommendation, solicitation. The User is solely responsible for assessing the suitability and risks of any transaction entered into through the Platform.

2.6. The User acknowledges and agrees that the use of the Platform and the Services is subject to applicable laws and regulations, including, without limitation, laws relating to anti-money laundering, counter-terrorist financing, and sanctions. The availability of certain Services may be restricted or prohibited in certain jurisdictions, and the User is solely responsible for ensuring that the use of the Platform and the Services is lawful in the User's jurisdiction.

2.7. These Terms shall apply to all Users of the Platform, including both natural persons and legal entities, unless expressly stated otherwise or unless a separate written agreement has been concluded between WeFi and the User governing specific services.

III. Use of the Website

3.1. The User agrees to access and use the Website and the Platform solely in accordance with these Terms, applicable laws and regulations, and generally accepted standards of conduct. The User undertakes to ensure that all information provided to WeFi in connection with the use of the Website and the Services is accurate, complete, and kept up to date.

3.2. The User shall use the Website and the Services only for lawful purposes and in a manner that does not infringe the rights of WeFi or any third party, does not violate any applicable legal or regulatory requirements, and does not compromise the security, integrity, or proper functioning of the Platform.

3.3. WeFi reserves the right, at its sole discretion and without prior notice, to suspend, restrict, or terminate the User's access to the Website and/or the Services, in whole or in part, where:

(a) the User breaches these Terms;

(b) the User provides false, misleading, or incomplete information;

(c) such action is required by applicable law or by a competent authority;

(d) WeFi reasonably suspects fraud, money laundering, terrorist financing, sanctions violations, or any other illegal or prohibited activity; or

(e) such action is necessary to protect the security, stability, or reputation of the Platform.

3.4. The User acknowledges and agrees that WeFi may engage third-party service providers, contractors, and professional advisers in connection with the operation, maintenance, and provision of the Website and the Services, provided that such parties are subject to appropriate contractual obligations regarding confidentiality and data protection.

3.5. The User shall not engage in any activity that interferes with, disrupts, damages, or attempts to gain unauthorized access to the Website, the Platform, or any systems, networks, or data related thereto. This includes, without limitation, the use of malicious code, automated scraping tools, denial-of-service attacks, or any form of unauthorized testing or probing of security measures.

3.6. The User agrees not to copy, reproduce, modify, distribute, transmit, display, perform, publish, license, create derivative works from, or commercially exploit any Content, software, or materials available on the Website or through the Platform, except to the extent expressly permitted by these Terms or by prior written consent of WeFi.

3.7. The User agrees that all actions and instructions submitted via the Platform are initiated by the User and are transmitted through the Platform's technical interface.

3.8. The User agrees to comply with all applicable tax laws and regulations in connection with the use of the Website and the Services, including the reporting and payment of any taxes arising from transactions conducted through the Platform. WeFi does not provide tax advice and assumes no responsibility for the User's tax obligations.

3.9. WeFi reserves the right, but shall not be obliged, to monitor, review, or pre-screen any activity, Content for the purpose of ensuring compliance with these Terms and applicable law. The User acknowledges that such monitoring does not constitute an obligation of WeFi and does not create any liability on the part of WeFi for the User's activities.

3.10. The User acknowledges that the Website and the Platform may be temporarily unavailable due to maintenance, updates, technical issues, or circumstances beyond WeFi's reasonable control. WeFi shall not be liable for any loss or damage arising from such unavailability, to the extent permitted by applicable law.

3.11. The User acknowledges and agrees that all Intellectual Property Rights in and to the Website, the Platform, and the Services, including any software, design, Trademarks, and Content, are owned by or licensed to WeFi, and that the User acquires no rights therein other than the limited right to use the Website and the Services in accordance with these Terms.

3.12. WeFi provides the Platform solely as a technical and service infrastructure and does not act as a broker, financial intermediary, custodian, or fiduciary of the User.

3.13. The User represents and warrants that the User will not use the Website or the Services for the purposes of money laundering, terrorist financing, fraud, sanctions evasion, or any other illegal or prohibited activity and that the User shall fully cooperate with any compliance, verification, or monitoring measures implemented by WeFi in accordance with applicable law.

IV. Description of the Services on the Website

4.1. The Website and the Platform provide Users with access to technical and operational services. Subject to successful registration, identity verification, and compliance checks, the User may use the Platform to access the Services in accordance with these Terms and any additional rules, limits, or instructions published on the Website.

4.2. The Services may include, without limitation:

(a) technical interfaces;

(b) account management and authentication services;

(c) communication and notification tools;

(d) technical infrastructure, maintenance, and customer support services related to the operation of the Platform.

4.3. The User acknowledges that the availability, scope, and functionality of the Services may vary depending on the User's jurisdiction, regulatory status, risk profile, and other factors determined by WeFi in accordance with applicable law and internal policies.

4.4. WeFi reserves the right, at its sole discretion, to add, modify, suspend, or discontinue any Service feature at any time, where such action is required or justified by legal, regulatory, security, operational, or business considerations. Where reasonably practicable, WeFi shall inform Users of such changes through the Website or other appropriate means.

4.5. The User acknowledges and agrees that, in order to provide the Services, WeFi may rely on third-party service providers and technical service providers. WeFi shall not be responsible for the acts or omissions of such third parties, except where required by applicable law.

V. General Provisions

5.1. The User may terminate these Terms at any time by discontinuing access to and use of the Website and by ceasing to use all materials, products, and Services obtained or downloaded from the Website.

5.2. These Terms and the relationship between the User and WeFi shall be governed by and construed in accordance with the laws of Costa Rica, without regard to its conflict of laws rules. The User and WeFi agree that the courts of Costa Rica shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms, without prejudice to mandatory consumer protection rules granting jurisdiction to the courts of the User's habitual residence. Notwithstanding the foregoing, WeFi shall be entitled to seek injunctive or equivalent emergency relief in any competent jurisdiction.

5.3. All Intellectual Property Rights in and to the Website and the Services are owned by or licensed to WeFi. Nothing in these Terms shall be construed as transferring any such rights to the User.

5.4. WeFi's products and Services are offered to end users and are not promoted, operated, or intended to constitute a multi-level marketing program ("MLM"), pyramid scheme, chain distribution scheme, or any similar arrangement, as such concepts may be defined under applicable laws and regulatory guidance. Any referral, affiliate, or partner features (if any) are designed as a single-tier marketing mechanism intended to reward eligible participants for bona fide, value-based activities related to the use and/or promotion of WeFi's products and Services and not for the mere act of recruiting other participants. No participant is required to purchase any product, pay any fee, or make any investment in order to refer others, and no compensation is paid solely for recruitment-based consideration or for building a downline. Participants must market WeFi's offerings in a truthful and non-misleading manner and must comply with all applicable advertising, consumer protection, and unfair commercial practices laws. WeFi may suspend, withhold, adjust, or revoke referral benefits and/or terminate participation where it reasonably believes that a participant's activities could cause the referral program or the participant to be characterized as an MLM, pyramid scheme, or other prohibited or regulated scheme under applicable law.

VI. Disclaimer of Warranties

6.1. THE USER EXPRESSLY ACKNOWLEDGES AND AGREES THAT USE OF THE WEBSITE AND THE SERVICES IS AT THE USER'S SOLE RISK. THE WEBSITE, THE PLATFORM, THE CONTENT, AND THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND.

6.2. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WeFi DISCLAIMS ALL WARRANTIES AND CONDITIONS, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS.

6.3. THE USER AGREES TO USE THE WEBSITE AND ANY MATERIALS DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE WEBSITE AT THE USER'S OWN DISCRETION AND RISK. THE USER SHALL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO THE USER'S COMPUTER SYSTEM, MOBILE DEVICE, OR OTHER EQUIPMENT, OR FOR ANY LOSS OF DATA RESULTING FROM SUCH USE.

6.4. WEFI DOES NOT WARRANT THAT THE WEBSITE OR THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY DEFECTS WILL BE CORRECTED.

VII. Limitation of Liability

7.1. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WeFi BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, LOSS OF GOODWILL, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR IN CONNECTION WITH THE USE OF OR INABILITY TO USE THE WEBSITE OR THE SERVICES, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, OR OTHERWISE), EVEN IF WeFi HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

7.2. WEFI IS NOT A REGISTERED INVESTMENT ADVISOR, BROKER, DEALER, FINANCIAL INSTITUTION, SECURITIES BROKER, OR FINANCIAL PLANNER. WeFi ACTS SOLELY AS A TECHNOLOGY AND SERVICE PROVIDER. ALL INFORMATION PROVIDED ON THE WEBSITE IS FOR GENERAL INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE FINANCIAL, INVESTMENT, LEGAL, OR TAX ADVICE. BEFORE MAKING ANY INVESTMENT OR TRANSACTION DECISION, THE USER SHOULD SEEK ADVICE FROM QUALIFIED AND LICENSED PROFESSIONALS AND UNDERTAKE INDEPENDENT DUE DILIGENCE. NOTHING ON THE WEBSITE SHALL BE CONSTRUED AS AN OFFER, SOLICITATION, OR RECOMMENDATION. WEFI SHALL NOT BE RESPONSIBLE FOR ANY INVESTMENT OR TRANSACTION DECISION MADE BY THE USER.

WeFi is a blockchain financial infrastructure enabling institutions to launch Deobanks with onchain banking, unified balances, and token incentives

This website is operated by 3-102-939581 S.R.L., a company registered in Costa Rica with corporate number 3-102-939581, having its registered office at: San José, Montes de Oca, San Pedro, Los Yoses, avenidas 8 y 10, calle 39, LY Center, Costa Rica.

Services and operations are carried out by the following companies depending on your nationality and type of operation:

For fiat services by:

Wefi Payments Limited, a registered money services business (number: M23563590) with the corporate number 2025535572, authorized by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), having its registered office Suite 2700, 225 - 6th, Avenue SW, T2P1N2, Calgary, Alberta, Canada

For fiat-to-crypto and crypto-to-fiat conversion services:

Wefi Payments Limited, a registered money services business (number: M23563590) with the corporate number 2025535572, authorized by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), having its registered office Suite 2700, 225 - 6th, Avenue SW, T2P1N2, Calgary, Alberta, Canada

For Node sale services:

AppAtlas Technologies LLC, a company registered in St. Vincent and the Grenadines with corporate number 3644 LLC 2024, having its registered office at: Euro House, Richmond Hill Road, P.O. Box 2897, Kingstown, St. Vincent and the Grenadines

Other services, including cryptocurrency exchange (crypto-to-crypto), technical services, and cryptocurrency custody and storage, are provided by 3-102-939581 S.R.L., a company registered in Costa Rica with corporate number 3-102-939581 and registered office at San José, Montes de Oca, San Pedro, Los Yoses, avenidas 8 y 10, calle 39, LY Center, Costa Rica, and are supported by institutional-grade digital asset custody infrastructure operated by Fireblocks Ltd., a leading provider of secure multi-party computation (MPC) technology for digital asset custody and transaction execution.

Please note that the promotion and/or distribution of our products and/or services outside Hong Kong may require a licence. The content of our website is only addressed to Hong Kong residents, domiciled in Hong Kong. If you are a resident domiciled outside Hong Kong and do not wish to visit our website, please close this page. If you still want to visit our website, you confirm that you have read and understood the above and that you are accessing our website on your own initiative without active promotion or solicitation from WeFi.

WeFi is not a bank, does not accept deposits on a banking balance sheet, and does not use User funds for lending, credit creation, or fractional reserve banking activities. WeFi facilitates access to banking services that are provided by regulated third-party financial institutions.

© 2026 WeFi. ALL RIGHTS RESERVED

WeFi is a blockchain financial infrastructure enabling institutions to launch Deobanks with onchain banking, unified balances, and token incentives

For fiat services by:

Wefi Payments Limited, a registered money services business (number: M23563590) with the corporate number 2025535572, authorized by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), having its registered office Suite 2700, 225 - 6th, Avenue SW, T2P1N2, Calgary, Alberta, Canada

For fiat-to-crypto and crypto-to-fiat conversion services:

Wefi Payments Limited, a registered money services business (number: M23563590) with the corporate number 2025535572, authorized by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), having its registered office Suite 2700, 225 - 6th, Avenue SW, T2P1N2, Calgary, Alberta, Canada

For Node sale services:

AppAtlas Technologies LLC, a company registered in St. Vincent and the Grenadines with corporate number 3644 LLC 2024, having its registered office at: Euro House, Richmond Hill Road, P.O. Box 2897, Kingstown, St. Vincent and the Grenadines

Other services, including cryptocurrency exchange (crypto-to-crypto), technical services, and cryptocurrency custody and storage, are provided by 3-102-939581 S.R.L., a company registered in Costa Rica with corporate number 3-102-939581 and registered office at San José, Montes de Oca, San Pedro, Los Yoses, avenidas 8 y 10, calle 39, LY Center, Costa Rica, and are supported by institutional-grade digital asset custody infrastructure operated by Fireblocks Ltd., a leading provider of secure multi-party computation (MPC) technology for digital asset custody and transaction execution.

Please note that the promotion and/or distribution of our products and/or services outside Hong Kong may require a licence. The content of our website is only addressed to Hong Kong residents, domiciled in Hong Kong. If you are a resident domiciled outside Hong Kong and do not wish to visit our website, please close this page. If you still want to visit our website, you confirm that you have read and understood the above and that you are accessing our website on your own initiative without active promotion or solicitation from WeFi.

WeFi is not a bank, does not accept deposits on a banking balance sheet, and does not use User funds for lending, credit creation, or fractional reserve banking activities. WeFi facilitates access to banking services that are provided by regulated third-party financial institutions.

© 2026 WeFi. ALL RIGHTS RESERVED

WeFi is a blockchain financial infrastructure enabling institutions to launch Deobanks with onchain banking, unified balances, and token incentives

This website is operated by 3-102-939581 S.R.L., a company registered in Costa Rica with corporate number 3-102-939581, having its registered office at: San José, Montes de Oca, San Pedro, Los Yoses, avenidas 8 y 10, calle 39, LY Center, Costa Rica.

Services and operations are carried out by the following companies depending on your nationality and type of operation:

For fiat services by:

Wefi Payments Limited, a registered money services business (number: M23563590) with the corporate number 2025535572, authorized by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), having its registered office Suite 2700, 225 - 6th, Avenue SW, T2P1N2, Calgary, Alberta, Canada

For fiat-to-crypto and crypto-to-fiat conversion services:

Wefi Payments Limited, a registered money services business (number: M23563590) with the corporate number 2025535572, authorized by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), having its registered office Suite 2700, 225 - 6th, Avenue SW, T2P1N2, Calgary, Alberta, Canada

For Node sale services:

AppAtlas Technologies LLC, a company registered in St. Vincent and the Grenadines with corporate number 3644 LLC 2024, having its registered office at: Euro House, Richmond Hill Road, P.O. Box 2897, Kingstown, St. Vincent and the Grenadines

Other services, including cryptocurrency exchange (crypto-to-crypto), technical services, and cryptocurrency custody and storage, are provided by 3-102-939581 S.R.L., a company registered in Costa Rica with corporate number 3-102-939581 and registered office at San José, Montes de Oca, San Pedro, Los Yoses, avenidas 8 y 10, calle 39, LY Center, Costa Rica, and are supported by institutional-grade digital asset custody infrastructure operated by Fireblocks Ltd., a leading provider of secure multi-party computation (MPC) technology for digital asset custody and transaction execution.

Please note that the promotion and/or distribution of our products and/or services outside Hong Kong may require a licence. The content of our website is only addressed to Hong Kong residents, domiciled in Hong Kong. If you are a resident domiciled outside Hong Kong and do not wish to visit our website, please close this page. If you still want to visit our website, you confirm that you have read and understood the above and that you are accessing our website on your own initiative without active promotion or solicitation from WeFi.

WeFi is not a bank, does not accept deposits on a banking balance sheet, and does not use User funds for lending, credit creation, or fractional reserve banking activities. WeFi facilitates access to banking services that are provided by regulated third-party financial institutions.

© 2026 WeFi. ALL RIGHTS RESERVED