FEARLESS SOLUTION INC. does not market to or serve clients from the United Kingdom. This website and its content are intended for persons outside the United Kingdom. The information provided is not directed at or intended for distribution to, or use by, any person located within the UK. The services described on this website are not available to UK residents. No part of this website constitutes a financial promotion or an offer of services within the UK under the Financial Services and Markets Act 2000.
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TERMS & CONDITIONS

PLEASE READ THESE TERMS CAREFULLY BEFORE USING OUR SERVICES.

INTRODUCTION

FEARLESS SOLUTION INC. (Legal Name: FEARLESS SOLUTION INC., Incorporation Number: BC1560340, Address: 400 — 565 GREAT NORTHERN WAY, VANCOUVER, BRITISH COLUMBIA, CANADA, V5T 0H8) (also referred to in these Terms as «we», «our» or «us») provides virtual currency exchange services for individual retail clients (also referred to as «you» or «your»).

FEARLESS SOLUTION INC. is a registered Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) under registration number N300000196.

These Terms apply as a contract between us and you. By creating an account, you confirm that you have reached the legal age in your country of residence and are legally capable of entering into agreements and being bound by its terms.

FEARLESS SOLUTION INC. is not a financial, tax, or legal advisor and shall not be perceived as such. Any information and statements mentioned in our legal documents, including these Terms, as well as on our website, should not be used as professional financial, tax or legal advice. Before engaging with our Services, it is strongly recommended to consult professional advisors in the relevant fields.

We reserve the right to change these Terms in the future. Any alterations and amendments will be published on our website at https://fearless.solutions. Before entering into a contractual relationship with us, you should review the latest version of these Terms.
If you have any questions, please contact us at support@fearless.solutions.

1. ELIGIBILITY

Our Services are available exclusively to individual retail clients (natural persons). Legal entities, corporations, partnerships, trusts, and any form of business organization are not eligible to use our Services.

In order to be deemed eligible to use our Services, you must warrant that:

  • You have reached the legal age in your country of residence;
  • You have never been suspended or otherwise restricted from using our Services;
  • You are not located or residing in any jurisdiction subject to Canadian, UN, or international sanctions;
  • You are not identified as a Specially Designated National and Blocked Person, or affiliated with any sanctioned entity;
  • You are not subject to any international sanctions.

We reserve the right to evaluate your eligibility at any time and may require you to provide proof of eligibility. Any decision regarding your eligibility shall be final.

2. OUR SERVICES

2.1. Virtual Currency Exchange

We provide fiat-to-crypto and crypto-to-fiat exchange services for individual retail clients. Clients send us fiat currency or cryptocurrency, we convert it through our liquidity partners, and we send the converted amount back to the client’s external wallet or personal bank account.

We do not operate a public exchange platform where clients trade against each other. Every transaction is handled individually.

We do not provide investment, advisory, or brokerage services. We do not recommend, endorse, or promote any specific crypto asset or investment strategy. We do not manage client funds or make decisions on behalf of clients regarding the purchase, sale, or holding of any crypto asset. We have never partnered with or affiliated with any investment fund, asset manager, hedge fund, or any entity that provides investment services.

2.2. Orders

2.2.1. Placing Orders

All Orders are executed on a pre-paid basis, meaning that you must ensure a sufficient amount of funds to fulfil an Order. The amount of funds necessary to execute an Order is reserved until fulfilment, cancellation, expiration or termination of your Order.

Any Order the required amount of which exceeds the amount of freely available funds cannot be executed and shall be rejected.

By placing an Order, you confirm that you have reviewed the purchase or sale rates and the applicable fees.

2.2.2. Order Fulfilment

Once an Order has been placed, it may not be fulfilled for reasons including but not limited to:

  • System maintenance or downtime;
  • Insufficient funds on your Account;
  • Compliance requirements not met;
  • Technical failures beyond our direct control.

We will notify you of any unsuccessful attempt to fulfil your Order. In an event of inability to execute an Order due to reasons falling outside of our direct control, we shall not be liable for any failures or delays.

2.2.3. Order Confirmation

After the placement of an Order, we will send you a confirmation e-mail. If your Order is subsequently fulfilled, you will receive a second confirmation e-mail.

2.2.4. Conversion Fees

Conversion Fees are paid over a purchase or a sale as an additional value. You will see the applicable fee next to the Order value prior to Order placement. Conversion Fees are subject to change and are published on our website.

2.2.5. Exchange Rates

Exchange Rates differ in accordance with the given virtual currency and may be adjusted over time. Purchase Exchange Rates may differ from sale Exchange Rates. By placing an Order, you confirm that you are aware of the fluctuating nature of Exchange Rates.

2.3. Deposits and Withdrawals

2.3.1. Deposits

You may deposit funds into your Account by bank transfer or by sending cryptocurrency to our designated wallet address. We do not accept cash deposits or credit card deposits.

2.3.2. Fiat Currency Transactions

You may purchase virtual currencies with fiat currency by depositing the desired amount into your Account. Fiat funds are held on your behalf in a bank account separate from our operational accounts.

You may also sell your virtual currency for fiat currency. In this case, by placing such Order, you authorise us to deduct the necessary amount of virtual currency funds to receive the desired amount of fiat currency. The fiat currency shall be delivered to your personal bank account.

2.3.3. Virtual Currency Transactions

We do not hold or custody client crypto assets. Crypto assets are held only for the duration of each exchange transaction and are sent to your external wallet immediately upon completion.

We do not loan, transfer, sell, pledge or otherwise dispose of your virtual currency funds at our sole discretion. Your virtual currency funds will be processed only in accordance with your instructions.

By depositing virtual currency funds for use with our Services, you agree that we reserve the right to cancel or refuse any transaction in accordance with applicable law or lawful order of any law enforcement authority. Any transaction deemed to be associated with money laundering, terrorist financing, fraud or other financial crimes will never be processed and appropriate action will be taken as prescribed by law.

2.3.4. Withdrawals

2.3.4.1. Fiat Currency Withdrawals

Fiat currency funds may be withdrawn only to a bank account opened in your name. Withdrawals to any third party bank accounts are prohibited.

2.3.4.2. Virtual Currency Withdrawals

Virtual currency withdrawals shall be processed to your external wallet address.

2.3.4.3. Wire Withdrawals

Wire withdrawals are processed only to a bank account opened in your name and in accordance with normal banking hours.

2.4. No Custodial or Wallet Services

FEARLESS SOLUTION INC. does not provide wallet services and does not custody client crypto assets. Clients must use their own external wallet to send and receive crypto assets. The Company holds crypto assets only for the duration necessary to complete an exchange transaction. No storage or custodial services are provided.

2.5. Client Acknowledgement

By placing an Order, you acknowledge and confirm the following:

  • You are acting on your own behalf and not on behalf of any third party. No other person has opened this account on your behalf, and no third party is directing or controlling your activities or transactions on this account;
  • You are initiating this transaction on your own initiative, without any solicitation, recommendation, or advice from us;
  • You understand the risks associated with crypto assets, including the risk of total or partial loss of your funds;
  • You take full responsibility for the secure storage and safekeeping of your crypto assets after they are sent to your external wallet;
  • You understand that crypto transactions are irreversible and we have no ability to recover funds once they are sent;
  • You confirm that you have not been influenced, coached, or persuaded by any third party to proceed with this transaction for reasons such as investment, profit guarantee, or any other purpose;
  • You accept full responsibility for your decision to proceed with this transaction and agree that we bear no liability for any subsequent loss, theft, or misuse of your crypto assets.

3. YOUR ACCOUNT

3.1. Registering an Account

Registration of an Account is a prerequisite to using any of our Services. Upon registration, you will be asked to provide your details, such as your name, date of birth, residential address, and e-mail address, as well as to submit a password and agree to these Terms.

By accepting these Terms, you acknowledge and confirm that you are acting on your own behalf and opening an Account for yourself only. Only one Account per person is permitted. Any duplicate Accounts associated with your data will be suspended.

3.2. Compliance Clearance

Compliance Clearance is a procedure undertaken by our compliance team to ensure our customers’ background and eligibility for opening an Account in accordance with Canadian AML/CTF requirements, specifically the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and FINTRAC guidelines.

Before being granted access to your Account, you must complete the verification procedures necessary to ensure Compliance Clearance. We may request you to provide information such as your name, date of birth, residential address, telephone number, e-mail address, passport or ID card details, proof of address, and source of funds. All information submitted must be true, accurate and complete.

We reserve the right to forward any information submitted to us to competent authorities on the basis of applicable AML/CTF requirements, should we have reasonable grounds to suspect money laundering, terrorist financing, fraud or other financial crime.

3.3. Enhanced Compliance Due Diligence

Enhanced Compliance Due Diligence may be applied to customers whose risk profile has been determined as high, or where the information provided is not sufficient to finalize Compliance Clearance. In such cases, we may require additional information.

3.4. Transaction Limits

Transaction Limits are limitations imposed on the capacity of every customer to execute transactions at a certain volume per day. Transaction Limits are determined by factors including your risk profile, country of residence, verification steps completed, and source of funds. You may request an increase of your limits by contacting us.

3.5. Account Closure

You have a right to close your Account at any time. Upon closure, you will be provided with instructions on transferring your remaining funds.

4. PROHIBITED USE

All Orders and Transactions must abide by the rules of bona fide transactions. The following acts are strictly prohibited:

  • Unlawful activity, meaning any activity that violates any law or regulation;
  • Fraud and other acts of fraudulent nature;
  • Market Manipulation;
  • Acts detrimental to cybersecurity;
  • Transactions for the purposes of passing money between accounts;
  • Any activity deemed to be associated with money laundering, terrorist financing, drug trafficking, human trafficking, or other financial crimes.

Clients are expressly prohibited from:

  • Using our Services on behalf of any third party;
  • Using our Services as a conduit for third party funds;
  • Representing that our Services constitute investment advice or endorsement of any crypto asset;
  • Making any claim that we recommend, endorse, or guarantee any investment.

We have never partnered with, affiliated with, or otherwise collaborated with any investment fund, asset manager, hedge fund, or any entity that provides investment services. If you are contacted by any third party claiming to represent us and offering investment opportunities, please report this immediately to support@fearless.solutions.

4.1. Prohibited

Businesses

Our Services are available exclusively to individual retail clients. Legal entities, corporations, partnerships, trusts, and any form of business organization are not eligible to use our Services.

We do not provide services to clients whose source of funds is derived from the following categories:

  • Gambling or betting (including online casinos, sports betting, poker);
  • Adult entertainment or adult content platforms;
  • Weapons and munitions production or trade;
  • Unlicensed pharmaceuticals or pharmaceuticals subject to international bans;
  • Pesticides or herbicides subject to international phase-outs or bans;
  • Forced labor, harmful child labor, or exploitative labor practices;
  • Money services businesses, other crypto exchanges, payment service providers, neobanks, or financial institutions;
  • Investment and brokerage services, asset management, hedge funds, private equity;
    Network marketing or referral marketing programs.

We do not provide investment, advisory, or brokerage services. We have never partnered with or affiliated with any investment fund, asset manager, hedge fund, or any entity that provides investment services.

We reserve the right to refuse service to any client at our sole discretion.

5. ACCOUNT SUSPENSION AND TERMINATION

We may suspend, restrict or terminate your Account if:

  • We believe your acts may be damaging to our reputation;
  • We are required to do so by a regulatory authority, court order, or law enforcement;
  • We have reasonable grounds to suspect you in breaching these Terms;
  • We suspect unauthorized access to your Account;
  • We have reasonable grounds to suspect money laundering, terrorist financing, fraud or other financial crime.

6. LIABILITY

6.1. Release

You acknowledge that if you wish to raise a dispute with any other user, we shall not be liable for claims, losses, or damages associated with such disputes.

6.2. Indemnification

You agree to indemnify us from any claims, losses, or damages resulting from your use of our Services, breach of these Terms, or violation of applicable law.

6.3. Disclaimer of Warranties

Our Services are provided on an «as is» and «as available» basis. We do not warrant that access to our Services shall be continuous, uninterrupted, or error-free.

None of our Services shall be perceived as investment, financial, regulatory, tax or legal advice.

6.4. Disclaimer of Liability

In no event shall we be liable for any punitive, special, indirect, consequential, or incidental damages arising in connection with these Terms or your use of our Services.

We shall not be liable for damages caused by computer viruses, malicious software, network forks, changes in cryptography, force-majeure events, or any events beyond our reasonable control.

This disclaimer of liability shall supersede any other provision of these Terms.

7. PERSONAL DATA PROTECTION

We collect, use, and share your personal information in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA). To learn more about how we collect, use, store, share and transfer your data as well as your rights, please read our Privacy Policy, which is incorporated into these Terms.

8. SECURITY

Security of your login details, including passwords and credentials, is your sole responsibility. You must ensure adequate maintenance of your security details to prevent unauthorised access.

We recommend using:

  • Strong passwords of sufficient complexity and length;
  • Two-factor authentication (2FA);
  • Secure storage of all credentials.

You acknowledge that once we send crypto assets to your external wallet, we have no control over their security, storage, or use. You are solely responsible for safeguarding your private keys, wallet credentials, and recovery phrases. We bear no responsibility for any loss, theft, or misuse of your crypto assets after the transaction is completed.

If you suspect your Account has been compromised, you must notify us immediately at support@fearless.solutions.

9. COMPLAINTS AND DISPUTE RESOLUTION

9.1. Governing Law

These Terms, your rights and obligations, and all actions arising out of these Terms shall be governed by the laws of British Columbia, Canada.

9.2. Complaints

If you have a complaint, you shall address it with our support team in the first instance by sending an e-mail to support@fearless.solutions. A Customer Support specialist will respond within 14 days from the day of submission.

9.3. Alternative Dispute Resolution

If you are unable to settle a dispute with our support team, you may opt to settle a dispute by mediation or arbitration in accordance with applicable rules in British Columbia, Canada.

9.4. Dispute Resolution in Court

If a dispute cannot be settled by mediation or arbitration, you have a right to initiate legal action in the exclusive jurisdiction and venue of the courts of British Columbia, Canada.

10. GENERAL PROVISIONS

10.1. Intellectual Property

All intellectual property rights in regards to materials and content presented on our website and in connection with our Services are protected by applicable intellectual property regulations. Reproduction, distribution, or modification of our materials is prohibited without prior written permission.

10.2. Access and Availability

We do not guarantee flawless and uninterrupted access to our Services at all times. We shall not be liable for any damages arising from events affecting access and availability.

10.3. Third Party Services

You may encounter links to third party services while using our Site and Services. We shall not be liable for any content provided by third parties.

10.4. Your Compliance with Applicable Law

Your compliance with applicable laws, including tax laws and AML/CTF regulations, is your sole responsibility.

10.5. Amendments

We may adopt changes to these Terms to adapt to recent developments in applicable legislation. We will notify you of any changes by e-mail and on our website at least one month in advance.

10.6. Taxes

We do not provide tax advice. You shall be solely responsible for your tax obligations in your jurisdiction.

10.7. Relationship with Law Enforcement

We may engage in correspondence with law enforcement authorities at our own discretion or in accordance with applicable law.

10.8. Death of Account Holder

If we receive legal documentation confirming your death, we will freeze your Account until we have received proper instructions from your legal representative.

10.9. Transfer and Assignment

These Terms apply exclusively to you and may not be assigned to any other person.

10.10. Relationship of the Parties

The relationship between us and you is of contractual nature only. These Terms shall not be construed as partnership, joint venture, agency, or trusteeship.

10.11. Force Majeure

We shall not be liable for any performance failures resulting from events beyond our direct control, including but not limited to acts of war, natural disasters, terrorism, malfunction of hard- and software, communication lines, or Internet service providers.

10.12. Entire Agreement

These Terms shall be perceived as the entire agreement between us and you.

10.13. Severability

If any provision of these Terms is invalid or unenforceable, the remaining provisions shall remain in full force and effect.

10.14. Language

The language of these Terms is English. In case of any divergence from or inconsistency with any translation, the English version shall prevail.

11. FEEDBACK AND COMMUNICATION

For any inquiries, questions, feedback, or complaints, please contact us at:
support@fearless.solutions or via our website: https://fearless.solutions

ANNEX 1: RISK DISCLOSURE

Investing in crypto assets carries significant risk. You should not invest more than you can afford to lose and you should ensure that you fully understand the risks involved.

Our activities are not regulated by the Financial Conduct Authority. Investments in crypto assets are not within the jurisdiction of the Financial Ombudsman Service and are not protected by the Financial Services Compensation Scheme.

This website and its content are not directed at or intended for distribution to residents of the United Kingdom.

We do not market to or serve UK clients. Our Services are available to residents of other jurisdictions subject to applicable local laws.

FEARLESS SOLUTION INC. does not provide any investment, advisory, or brokerage services. We do not recommend, endorse, or promote any specific investment strategy, trading strategy, or crypto asset. We do not provide financial advice. We have never partnered with, affiliated with, or otherwise collaborated with any investment fund, asset manager, hedge fund, or any entity that provides investment services. Our sole function is to execute fiat-to-crypto and crypto-to-fiat exchanges at the client’s request. We do not manage, advise, or make decisions on behalf of any client regarding the purchase, sale, or holding of any crypto asset.

You acknowledge and agree that:

  • The risk of dealing with virtual currency is substantial and you may experience losses over a short period of time;
  • Liquidity patterns of virtual currencies are constantly fluctuating and such fluctuations may be unpredictable and substantial;
  • Virtual currency transactions are irreversible. Once a transaction is confirmed on the blockchain, it cannot be reversed, cancelled, or modified. We have no ability to recover funds sent to an incorrect address or to a wallet you do not control;
  • Transaction timing may be affected due to public ledger recording and network conditions;
  • Virtual currency markets may disappear due to lack of adoption, leading to loss of funds;
  • Access may be impaired by cyber-attacks and technological issues;
  • You should never trust third parties from the internet who promise high returns, guaranteed profits, or risk-free investments in crypto assets. Such offers are almost always scams. We never recommend or endorse any third party investment opportunities. If anyone contacts you claiming to represent us and offers investment advice or guaranteed returns, please report it to us immediately;
  • You are solely responsible for the secure storage and safekeeping of your crypto assets after we send them to your external wallet. Once the crypto leaves our control, we have no ability to recover, reverse, or assist you in retrieving your funds. We bear no responsibility for any loss, theft, or misuse of your crypto assets after the transaction is completed;
  • Risk factors are not exhaustive and may change over time.

ANNEX 2: PROHIBITED BUSINESSES

Our Services are available exclusively to individual retail clients. Legal entities, corporations, partnerships, trusts, and any form of business organization are not eligible to use our Services.

We do not provide services to clients whose source of funds is derived from the following categories:

  • Gambling or betting (including online casinos, sports betting, poker);
  • Adult entertainment or adult content platforms;
  • Weapons and munitions production or trade;
  • Unlicensed pharmaceuticals or pharmaceuticals subject to international bans;
  • Pesticides or herbicides subject to international phase-outs or bans;
  • Forced labor, harmful child labor, or exploitative labor practices;
  • Money services businesses, other crypto exchanges, payment service providers, neobanks, or financial institutions;
  • Investment and brokerage services, asset management, hedge funds, private equity;
  • Network marketing or referral marketing programs.

We do not provide investment, advisory, or brokerage services. We have never partnered with or affiliated with any investment fund, asset manager, hedge fund, or any entity that provides investment services.

We reserve the right to refuse service to any client at our sole discretion.