Terms & Conditions

DITC LLC operating as DITC.io · www.ditc.io · Version 2.0

I. General Provisions

These General Terms and Conditions (‘GTC’) of DITC LLC, a Wyoming Limited Liability Company operating as DITC.io (‘DITC’, ‘we’, ‘us’), govern the basic conditions under which DITC provides its clients with access to banking and financial services and carries out technology, marketing, onboarding, and customer-support activities on behalf of its licensed banking partner.
DITC provides services to the client on the basis of a service agreement (‘Agreement’) and these GTC, which form an integral part of the Agreement. Unless otherwise specified in the Agreement, the provisions of the Agreement shall take precedence over the GTC.
Information about DITC: DITC LLC (operating as DITC.io), a Limited Liability Company incorporated under the laws of the State of Wyoming, USA (Wyoming Filing ID: 2026-001951426). Registered agent: Northwest Registered Agent Service Inc, 30 N Gould St Ste N, Sheridan, WY 82801, USA. Website: www.ditc.io. Support: support@ditc.io.
Important regulatory notice. DITC LLC does not hold a banking licence, payment-institution licence, e-money licence, or any other financial-services authorisation. DITC LLC acts solely as a technology, marketing, and customer-support agent. All regulated banking and financial services made available through www.ditc.io are provided exclusively by DITC LLC’s licensed partner institutions. DITC LLC is not a party to any banking, payment, or deposit contract between the client and the Partner Institution and does not at any time hold, route, or control client funds or client crypto-assets.
No deposit protection. Client funds and crypto-assets held through the Partner Institution are not covered by the US FDIC, the UK FSCS, any EU deposit-guarantee scheme, or any investor compensation scheme. The Partner Institution is licensed by an offshore financial authority, which is not recognised as a banking or financial-services authority by the EBA, ECB, FCA, or US federal banking agencies.
Exclusion of US Persons. The services are not available to US Persons. ‘US Person’ means any citizen of the United States of America, any holder of a US permanent resident card (Green Card), any person resident or domiciled in the United States of America (including any state, territory, or possession thereof), and any legal entity organised or incorporated under the laws of the United States. DITC 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 access www.ditc.io do so on their own initiative and are solely responsible for verifying whether use of the services is lawful under the laws of their country of residence. DITC and the Partner Institution reserve the right to refuse, suspend, or terminate access and services to residents of any jurisdiction where lawful provision is not possible, including immediately upon determining that a client is or has become a US Person.
The client declares that, prior to using the services, they were familiarised with the content of the Agreement, these GTC, the Privacy Policy, the Complaints Procedure, and the current Fee Schedule. All important information is available at www.ditc.io.
US Person representation. By registering for or using the services, the client expressly represents and warrants that they are not a US Person as defined in clause I.6 above, and that they will promptly notify DITC at legal@ditc.io if they become a US Person after registration. DITC may immediately terminate the Agreement and close the account without prior notice if this representation proves to be false or ceases to be true.
The client agrees to be informed of significant changes via the website or by email. The standard method of communication is electronic correspondence. DITC will send correspondence to the email address provided during registration.

II. Definition of Terms

For the purposes of the GTC and the Agreement:

Client – a natural or legal person who has entered into an Agreement with DITC on the basis of which services are made available to them.
Agreement / Framework Agreement – the service agreement concluded between the client and DITC, incorporating these GTC, the Fee Schedule, the Complaints Procedure, and the Privacy Policy.
Services – the banking and financial services made available through the Partner Institution’s licensed infrastructure, including multi-currency accounts, payment transfers, card issuance, cryptocurrency services, and foreign-exchange conversion, as specified in Section V.
Partner Institution – a licensed partner institution engaged by DITC LLC to provide the applicable regulated banking and financial services. DITC LLC works with a network of regulated banking, payment, and crypto-asset providers and engages the most suitable licensed provider for each service, currency, and jurisdiction.
Platform – the website www.ditc.io and any associated web or mobile application.
Business day – a day on which commercial banks are generally open for business.
Market disruption – an unforeseeable event resulting in the inability to provide services, including infrastructure failures, cyber attacks, force majeure, or regulatory or legal restrictions.
PEP – Politically Exposed Person: a natural person who is or has been entrusted with a prominent public function, as defined under applicable AML regulations.
KYC/AML – Know-Your-Customer and Anti-Money-Laundering procedures required by applicable law and the Partner Institution’s compliance programme.
Third-Party Service Providers – external vendors engaged by DITC or the Partner Institution to deliver mandatory compliance, technology, or operational services (see Section IX).

III. Conclusion of the Agreement

The Agreement is concluded remotely via the Platform.
The registration and account-opening process proceeds as follows: (a) the client registers on the Platform and selects the account type; (b) the client provides all required identification and verification data; (c) the client completes identity verification, including document authentication and, where required, a liveness check, through the Platform or a designated third-party verification service.
The client is identified and verified in accordance with applicable KYC/AML regulations and is obliged to provide DITC and the Partner Institution with necessary cooperation and documents for identification and ongoing due diligence at any time during the business relationship.
DITC and the Partner Institution reserve the right to require the client to use third-party systems for identity verification, transaction authentication, and compliance screening, including biometric verification tools, blockchain analytics providers, and other compliance technology platforms.
DITC and the Partner Institution reserve the right to refuse to open an account, or to suspend or close an existing account, at any time and without prior notice, if required by law, regulatory instruction, or the Partner Institution’s risk policy.

IV. Use of the Platform and Transactions

Transactions and account instructions are submitted electronically via the Platform.
To initiate a transaction, the client: (a) logs in using their credentials; (b) enters all required transaction parameters; (c) confirms the instruction using the required authentication method (e.g. two-factor authentication or one-time code).
Instructions submitted outside standard processing hours may be treated as received on the next business day.
The client is obliged to comply with applicable transaction limits published in the current Fee Schedule.
DITC is not responsible for interruptions to the Platform for reasons beyond DITC’s or the Partner Institution’s control.
The client is only entitled to initiate transactions up to the available balance in their account, subject to applicable limits.
DITC and the Partner Institution shall not dispose of client funds in any manner other than as directed by the client’s instructions or as required by applicable law.
Transaction confirmations and account statements are made available through the client portal on the Platform.

V. Services Available

Subject to eligibility, successful KYC/AML verification, and applicable regulatory requirements, the following services may be available through the Partner Institution’s licensed infrastructure:

Multi-currency bank accounts and IBAN issuance.
National and international payment transfers (SEPA, SWIFT, and equivalent networks).
Debit and prepaid card issuance (Visa and/or Mastercard, subject to availability).
Cryptocurrency wallet, custody, and exchange services.
Foreign-exchange conversion between supported currency pairs.
Crypto-to-fiat and fiat-to-crypto swap services.
Additional services as announced on the Platform from time to time.

Availability, scope, and pricing of individual services may change at any time. Clients will be notified of material changes in accordance with Section XI.

VI. Fees and Charges

Applicable fees are determined by the Partner Institution and published in the Fee Schedule on the Platform. By using the services, the client agrees to pay all applicable fees.
Fees may be charged in fiat currency (EUR, USD, or other supported currencies) or, where applicable, in stablecoins (USDT) at the exchange rate prevailing at the time of the transaction.
DITC reserves the right to amend the Fee Schedule upon 30 days’ advance notice. Continued use of the services after the effective date constitutes acceptance.
DITC is entitled to deduct applicable taxes, levies, or withholding amounts from payments in accordance with applicable law.

VII. Security and Client Obligations

The client is obliged to use the Platform in a manner that does not compromise their account security, including complying with safe online practices and not disclosing access credentials to any third party.
The client must notify DITC immediately of any suspected unauthorised access, loss or theft of credentials, or suspicious transaction. Notifications: support@ditc.io. The client bears full responsibility for any misuse until notification is made.
DITC will block the client’s account as soon as unauthorised use is reported and will assume responsibility for further misuse from the moment of reporting.
The client agrees to: (a) use the Platform and services only for lawful purposes; (b) not use services for money laundering, terrorist financing, sanctions evasion, tax evasion, fraud, or any other illegal activity; (c) not attempt to circumvent security measures or access controls; (d) comply with all applicable laws.
DITC will notify the client of suspected unauthorised or fraudulent use by email or through a notice on the Platform.

VIII. Third-Party Access

The client may authorise a third party to access information about their account or to initiate certain transactions, provided the third party has properly identified itself and acts in accordance with applicable legal regulations. Any instruction from an authorised third party will be treated as an instruction from the client.
DITC and the Partner Institution may deny third-party access if there is concern about unauthorised or fraudulent access. The client will be informed unless doing so would pose security risks or violate legal requirements.
If the client grants a third party access to their account data, DITC may share relevant account information with that third party to the extent necessary. The client may revoke such consent at any time.

IX. Data Processing and Third-Party Service Providers

9.1 General. DITC and the Partner Institution process personal data of clients in accordance with applicable data-protection regulations, including but not limited to the GDPR where applicable. Full details of data-processing activities, legal bases, retention periods, and client rights are set out in the DITC Privacy Policy at www.ditc.io/privacy.

9.2 Categories of Data Processed. DITC and its third-party service providers may collect and process the following categories of personal data:

Identity data: full name, date of birth, nationality, government-issued identity documents, facial biometric data.
Contact data: residential address, email address, telephone number.
Financial data: source of funds and wealth declarations, transaction history, account balances, cryptocurrency wallet addresses.
Compliance data: sanctions screening results, PEP status, adverse media checks, blockchain analytics results.
Technical data: IP address, device identifiers, browser type, session logs.
Complaints and correspondence data.

9.3 Purposes and Legal Bases. Personal data is processed for the following purposes:

Identity verification and KYC/AML compliance – legal obligation.
Account opening and ongoing customer due diligence – legal obligation / contractual necessity.
Transaction processing and account management – contractual necessity.
Fraud prevention, sanctions screening, and financial-crime monitoring – legal obligation / legitimate interest.
Regulatory reporting – legal obligation.
Complaints management and dispute resolution – legal obligation / contractual necessity.
Marketing communications – consent (revocable at any time).
Website analytics and platform improvement – legitimate interest / consent.

9.4 Mandatory Third-Party Service Providers. Certain third-party vendors are technically and legally required to operate the platform and to fulfil DITC’s and the Partner Institution’s regulatory obligations. The engagement of these providers is mandated by applicable AML, KYC, and financial-crime regulations. The client acknowledges and consents to the processing of their personal data by these providers as a necessary condition of using the services. The following list is not exhaustive and may be supplemented or amended as regulatory requirements or operational needs change. DITC will update the current provider list at www.ditc.io/processors and will notify clients of any material changes in accordance with Section XI:

Provider	Purpose	Legal Basis
Sumsub (sumsub.com)	Identity verification (KYC), liveness checks, document authentication, biometric data processing, and ongoing customer due diligence.	Legal obligation (AML/KYC)
Chainalysis (chainalysis.com)	Blockchain analytics and cryptocurrency transaction monitoring; screening of crypto wallet addresses for sanctions, fraud, and financial-crime indicators.	Legal obligation (AML/sanctions)

9.5 Additional Third-Party Providers. DITC may engage additional third-party service providers for hosting, cloud infrastructure, payment processing, analytics, marketing, and customer-support purposes. A current list is published in the Privacy Policy at www.ditc.io/privacy. All third-party providers are bound by appropriate data-processing agreements compliant with applicable data-protection regulations.

9.6 International Data Transfers. Client data may be transferred to and processed in countries outside the EEA or the client’s country of residence. DITC ensures such transfers are subject to appropriate safeguards, such as SCCs or equivalent mechanisms recognised under applicable law. Full details are in the Privacy Policy.

9.7 Data Retention. Personal data is retained as long as necessary to fulfil the purposes described above and to comply with applicable legal and regulatory requirements. As a general rule: account and transaction data – 5 years after account closure (extendable up to 10 years under applicable AML law); identity documents – 5 years after end of the business relationship; compliance records – in accordance with applicable regulatory requirements. Full retention schedule: www.ditc.io/privacy.

9.8 Client Rights. Subject to applicable law, clients have the right to access, correct, erase, restrict, or object to the processing of their personal data, and the right to data portability. Requests: privacy@ditc.io. Certain rights may be limited where processing is required to fulfil legal obligations. Clients also have the right to lodge a complaint with a competent supervisory authority.

X. Complaints and Dispute Resolution

If the client believes DITC has not properly fulfilled its obligations, they are entitled to file a complaint in writing to complaints@ditc.io, including their full name, account identifier, a description of the matter, and any relevant transaction references.
DITC will acknowledge receipt and aims to resolve complaints within 15 business days. If circumstances prevent resolution within this period, the client will be informed and a response provided within 35 business days at the latest.
If the client is not satisfied, they may escalate to the Partner Institution’s compliance team or to any competent regulatory or dispute-resolution authority in their jurisdiction.
All formal complaints are managed through DITC’s complaints management system and a register of all complaints received is maintained.

XI. Amendments to These GTC

DITC is entitled to unilaterally amend these GTC in connection with changes in applicable law, introduction of new services, changes in operating procedures, or amendments to the Partner Institution’s compliance requirements.
Clients will be notified of material changes by email and via the Platform at least 30 days before the change takes effect. The updated GTC will be published at www.ditc.io.
If the client does not notify DITC in writing of their rejection before the effective date, the amended GTC shall be deemed accepted. If the client rejects the proposed changes, they have the right to terminate the Agreement with immediate effect.
Correction of typographical errors or factual inaccuracies is not a material amendment and does not require advance notice.

XII. Termination of the Agreement

The Agreement may be terminated in the following ways:

By mutual written agreement of the parties.
By either party upon written notice, with a notice period of one (1) month for the client and two (2) months for DITC.
By DITC with immediate effect, without notice, if: (a) the client breaches these GTC; (b) the client fails KYC/AML verification or fails to provide required documentation; (c) the client’s account poses increased AML/sanctions risk; (d) required by law, regulatory instruction, or the Partner Institution’s risk policy.
Automatically, due to long-term inactivity: accounts with no activity for 18 consecutive months may be frozen; if inactivity continues for a further 12 months, the Agreement may be terminated without notice.
Upon dissolution of DITC LLC or cessation of the partnership with the Partner Institution, in which case clients will be given reasonable notice.

Upon termination, all outstanding fees and obligations remain due. DITC will facilitate the orderly transfer or return of any client funds held through the Partner Institution, subject to applicable legal requirements.

XIII. Limitation of Liability

To the fullest extent permitted by applicable law, DITC LLC shall not be liable for any loss or damage arising from: (a) the use of, or inability to use, the Platform; (b) any service provided by or through the Partner Institution; (c) market disruptions, force majeure events, or actions of third-party service providers.
DITC LLC shall not be liable for any indirect, incidental, consequential, or special damages, including loss of profit, loss of data, or loss of opportunity.
DITC LLC’s total aggregate liability to a client for any claim shall not exceed the fees actually paid by that client to DITC LLC in the twelve (12) months immediately preceding the event giving rise to the claim.
Nothing in these GTC limits liability for fraud, gross negligence, or wilful misconduct on the part of DITC LLC.
The Platform and all services are provided on an ‘as is’ and ‘as available’ basis. DITC LLC makes no representations or warranties, express or implied, regarding accuracy, completeness, reliability, or fitness for purpose.

XIV. Governing Law and Jurisdiction

These GTC and any Agreement concluded pursuant to them shall be governed by and construed in accordance with the laws of the State of Wyoming, USA, without regard to its conflict-of-law provisions.
For clients resident in the European Economic Area, mandatory consumer-protection provisions of the client’s country of residence may additionally apply and shall not be excluded by these GTC.
Any dispute shall first be attempted to be resolved amicably within 30 days of written notice. If unresolved, disputes shall be submitted to the exclusive jurisdiction of the courts of the State of Wyoming, USA.
All communication between DITC and the client shall be conducted in English.

XV. General and Final Provisions

DITC is entitled to refuse to provide a specific service if the client fails to provide all required information and documents, or if required by law or by the Partner Institution.
The client is not entitled to assign, pledge, or otherwise transfer their rights or obligations under the Agreement without the prior written consent of DITC.
Failure to exercise any right under the Agreement shall not be construed as a waiver of that right.
If any provision of these GTC is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
The client is entitled to obtain, upon written request, a copy of the Agreement, these GTC, the Privacy Policy, the Complaints Procedure, and the current Fee Schedule.
These GTC are effective for new clients from April 21, 2026, and replace all prior terms and conditions, including Version 1.0 (effective April 19, 2026).

DITC LLC (DITC.io) · 30 N Gould St Ste N, Sheridan, WY 82801, USA · support@ditc.io · www.ditc.io