Legal Notice
Effective August 1, 2026
DITC LLC operating as DITC.io · www.ditc.io · Version 4.0
1. Website Operator
| Field | Details |
|---|---|
| Company name | DITC LLC |
| Trading name | DITC.io |
| Legal form | Limited Liability Company (LLC) |
| State of incorporation | Wyoming, United States of America |
| Wyoming Filing ID | 2026-001951426 |
| Registered agent | Northwest Registered Agent Service Inc |
| Registered address | 30 N Gould St Ste N, Sheridan, WY 82801, USA |
| Website | www.ditc.io |
| General enquiries | info@ditc.io |
| Support | support@ditc.io |
| Legal & compliance | legal@ditc.io |
Note on US Tax Identification. DITC LLC has not applied for a US Employer Identification Number (EIN), as no active business operations are currently conducted within the United States and no US employees, payroll, or US-taxable income are anticipated. An EIN will be obtained if and when required by applicable US tax or regulatory obligations.
2. Nature of Business and Role of DITC LLC
DITC LLC operates the website www.ditc.io and provides technology and infrastructure services only. DITC LLC develops and operates the payment gateway software, application programming interfaces (APIs), merchant dashboard, transaction-routing technology, technical integration and onboarding tooling, reporting tools, the technical integration of fraud-screening services, and customer and merchant technical support, together with related marketing activities.
DITC LLC is not a bank, money services business, payment institution, electronic money institution, or virtual asset service provider, and holds no financial licence of any kind. Under no circumstance does DITC LLC hold, receive, control, safeguard, transmit, or route client or merchant funds; perform settlement; make payouts; hold or manage rolling reserves; execute refunds or chargebacks financially; or provide any regulated financial service.
All fund-related functions referred to on www.ditc.io – including the receipt and holding of client and merchant funds, settlement in fiat and USDT, payouts, rolling reserve withholding, management and release, refund and chargeback debits and credits, negative balance recovery, foreign-exchange conversion, and minimum settlement thresholds – are performed exclusively by SENDORA INC. (“Sendora”, the “Settlement Entity”). Merchants and clients contract with DITC LLC for technology services and with Sendora Inc. as the fund-holding and settlement entity. Acquirers, card schemes, and liquidity providers remain generic third parties upstream in the card-processing chain.
2.1 Fund-Holding and Settlement Entity
| Field | Details |
|---|---|
| Entity | SENDORA INC. |
| Legal form | Corporation incorporated under the laws of Alberta, Canada |
| Registered office | 200-1001 1 ST SE, Calgary, Alberta T2G 5G3, Canada |
| Regulatory status | Registered Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) |
| FINTRAC MSB Registration No. | C100000575 |
| Role | Fund-holding and settlement entity: receipt and holding of client and merchant funds, settlement, payouts, rolling reserve management, refunds and chargebacks, FX conversion |
| Contact for settlement matters | Routed via support@ditc.io, with DITC LLC acting as platform intermediary |
2.2 Important Consumer Notice – Regulatory Status
Registration is not a licence. Registration of Sendora Inc. as a Money Services Business with FINTRAC is a registration requirement under Canadian anti-money-laundering legislation. It is not a prudential licence, it does not constitute authorisation to carry on banking or deposit-taking business, and it does not amount to any approval, endorsement, or guarantee by FINTRAC, the Government of Canada, or any other public authority of Sendora Inc., DITC LLC, or the services offered on www.ditc.io. FINTRAC does not supervise the financial soundness of registered money services businesses.
No deposit insurance or compensation scheme. Funds held by Sendora Inc. are not deposits and are not deposit-insured. They are not covered by the Canada Deposit Insurance Corporation (CDIC), the US Federal Deposit Insurance Corporation (FDIC), the UK Financial Services Compensation Scheme (FSCS), or any European Union deposit-guarantee scheme. No investor compensation scheme applies to these services. In the event of the insolvency of Sendora Inc. or of any upstream institution in the payment chain, funds may be at risk.
No authorisation in the EU, EEA, UK, or United States. Neither DITC LLC nor Sendora Inc. is authorised to provide banking, payment, deposit-taking, or e-money services in the European Union, the European Economic Area, the United Kingdom, or the United States of America.
Exclusion of US Persons and No EU/UK Promotion: The services offered on www.ditc.io are not available to US Persons. ‘US Person’ means any citizen of the United States of America, any person holding a US permanent resident card (Green Card), any person resident or domiciled in the United States of America (including any of its states, territories, or possessions), and any legal entity organised or incorporated under the laws of the United States. By accessing or using www.ditc.io you represent and warrant that you are not a US Person. DITC LLC and Sendora Inc. reserve the right to refuse, suspend, or terminate access and services immediately upon determining that a user is or has become a US Person. In addition, DITC LLC does not actively market or promote services to residents of the European Union, the European Economic Area, or the United Kingdom. Residents of those jurisdictions who choose to access www.ditc.io do so on their own initiative and are solely responsible for verifying whether use is lawful in their country of residence.
2.3 Cooperation Basis
DITC LLC and Sendora Inc. cooperate under a written Technology and Infrastructure Services Agreement. Under that agreement, DITC LLC provides the payment gateway platform, APIs, dashboard, routing technology, onboarding and reporting tooling, and technical support to Sendora Inc., while Sendora Inc. provides all fund-holding, settlement, payout, rolling reserve, refund, and chargeback services as the designated financial services counterparty. Risk, underwriting, monitoring, and suspension decisions are taken by DITC LLC as platform operator, acting also on behalf of Sendora Inc. A copy of the agreement is made available to competent regulators on request and, on reasoned request, to a data subject or client to the extent necessary to verify the parties’ roles.
3. Content, Promotions, and Disclaimers
Content published on www.ditc.io is prepared with reasonable care and is intended to be fair, clear, and not misleading. All content is for general informational purposes only and does not constitute financial, legal, investment, or tax advice. You should obtain independent professional advice before making any decision to apply for, or use, any financial or crypto-asset service.
4. Links to Third-Party Websites
Our website may contain links to third-party websites. DITC LLC has no control over the content of those websites and accepts no responsibility for them or for any loss arising from their use.
5. Intellectual Property
Trade marks, logos, software, text, and graphics published on www.ditc.io are owned by or licensed to DITC LLC. Unauthorised reproduction or commercial use is prohibited. A list of active trade-mark registrations is available on request from legal@ditc.io.
6. EU Digital Services Act Contact
For the purposes of the EU Digital Services Act (Regulation 2022/2065), the single point of contact for authorities and recipients of the service is dsa@ditc.io. Languages of communication: English. Notice-and-action requests relating to intellectual property should be sent to legal@ditc.io.
7. Complaints and Alternative Dispute Resolution
Formal complaints should be submitted in writing to complaints@ditc.io. Our Complaints Procedure, published at www.ditc.io/complaints, sets out acknowledgement and response timelines.
The European Commission’s Online Dispute Resolution platform was discontinued on 20 July 2025 pursuant to Regulation (EU) 2024/3228 and has not been replaced. Consumers in the European Union may instead identify a competent alternative dispute resolution body through the European Commission’s directory of dispute resolution bodies at consumer-redress.ec.europa.eu/dispute-resolution-bodies. Consumers in the United States may contact the Attorney General of their state of residence. Details of competent authorities in other jurisdictions are available on request.
8. Data Protection
Our processing of personal data is described in the Privacy Policy and Cookie Policy, available at www.ditc.io/privacy and www.ditc.io/cookies. For data-subject rights requests, write to privacy@ditc.io.
9. Governing Law
This Legal Notice is governed by the laws of the State of Wyoming, United States of America. For consumers habitually resident in the European Union, the European Economic Area, or the United Kingdom, mandatory consumer-protection provisions of their country of residence may additionally apply, and nothing in this Notice prevents such consumers from bringing proceedings in the courts of their home state.
10. How to Contact Us
| Purpose | Address |
|---|---|
| General enquiries | info@ditc.io |
| Account & service support | support@ditc.io |
| Data-subject rights | privacy@ditc.io |
| Formal complaints | complaints@ditc.io |
| Security incidents | security@ditc.io |
| Legal & compliance | legal@ditc.io |
| EU DSA SPOC | dsa@ditc.io |
| Settlement / fund matters (Sendora Inc.) | Routed via support@ditc.io as platform intermediary |
11. Change Log
| Version | Summary of changes |
|---|---|
| Version 4.0 | 1 August 2026 | Restructuring: DITC LLC repositioned as pure technology platform and infrastructure provider; all client fund holding, settlement, payouts and rolling reserve management transferred to Sendora Inc. (FINTRAC MSB C100000575); WAGO Bank Ltd removed. Section 2 rewritten; former licensed-banking-partner table replaced by the Sendora Inc. fund-holding and settlement entity table (section 2.1); consumer notice updated (section 2.2) to state that FINTRAC MSB registration is a registration and not a prudential licence, involves no government endorsement, and that funds held by Sendora Inc. are not covered by CDIC, FDIC, FSCS, or any EU deposit-guarantee scheme; the White-Label Service and Cooperation Agreement replaced by the Technology and Infrastructure Services Agreement between DITC LLC and Sendora Inc. (section 2.3). Wyoming governing law unchanged. |
| Version 3.0 | 21 April 2026 | Domain updated to ditc.io. EIN and FinCEN BOI fields removed; Wyoming Filing ID 2026-001951426 confirmed. Member/Director field removed from public disclosure. Added explicit note on no active EU/UK marketing. Deposit protection absence and licence status disclosed prominently. Cross-border fintech framing applied throughout. |
| Version 2.0 | 20 April 2026 | Rebranded from DITC LLC. Added consumer warning on partner licence status. Added DSA SPOC, ADR routing, and contact matrix. |
| Version 1.0 | 19 April 2026 | Initial publication (superseded). |