Terms of Service

1. Acceptance of Terms

By accessing or using Virtual Capital LTD's ("Company," "we," "us," or "our") digital transformation infrastructure services, AI-powered solutions, blockchain technologies, and related services (collectively, the "Services"), you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, please do not use our Services.

2. Description of Services

Virtual Capital provides digital transformation infrastructure services, including but not limited to:

• AI-powered productivity and automation solutions
• Blockchain-based distributed architecture and security systems
• E-business digital transformation platforms
• Financial digital transformation and payment processing
• Enterprise digital transformation consulting and implementation
• Real-world asset (RWA) tokenization services
• Stablecoin payment infrastructure
• Smart contract development and deployment

3. User Responsibilities

3.1 Account Security

• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized access
• Use strong passwords and enable multi-factor authentication
• You are responsible for all activities under your account

3.2 Compliance

• Comply with all applicable laws and regulations
• Adhere to financial services compliance requirements
• Provide accurate and truthful information
• Respect intellectual property rights
• Use Services only for legitimate business purposes

4. Prohibited Uses

You agree not to use our Services for:

• Illegal activities, money laundering, or terrorist financing
• Fraud, manipulation, or market abuse
• Violation of sanctions, embargoes, or trade restrictions
• Unauthorized access to systems or data
• Distribution of malware, viruses, or harmful code
• Interference with blockchain networks or smart contracts
• Circumvention of security measures or access controls
• Misrepresentation of identity or affiliation

5. Financial Services Terms

5.1 Payment Processing

• All transactions are subject to verification and compliance checks
• Transaction fees and processing times may vary
• We reserve the right to reject transactions that violate these Terms
• You are responsible for transaction accuracy and authorization

5.2 Digital Assets and Tokenization

• Digital asset values may fluctuate significantly
• Tokenization involves inherent technological and market risks
• We do not guarantee the performance of tokenized assets
• Users must understand blockchain technology implications

6. AI and Blockchain Technology

6.1 AI Services

• AI predictions and recommendations are not guaranteed
• Machine learning outputs may have inherent limitations
• Users should validate AI-generated results independently
• AI systems may require training data and ongoing optimization

6.2 Blockchain Services

• Blockchain transactions are generally immutable
• Network congestion may affect transaction speed and costs
• Smart contract functionality depends on network stability
• Users bear responsibility for private key management

7. Intellectual Property

Virtual Capital retains all rights, title, and interest in our Services, including:

• Proprietary software, algorithms, and AI models
• Blockchain protocols and smart contract templates
• Documentation, training materials, and methodologies
• Trademarks, copyrights, and trade secrets
• Any improvements or derivative works

8. Service Level and Availability

8.1 Service Availability

• We strive for 99.9% uptime but cannot guarantee uninterrupted service
• Scheduled maintenance may temporarily affect availability
• Blockchain network issues may impact related services
• Emergency maintenance may be performed without notice

8.2 Support Services

• 24/7 technical support for critical issues
• Business hours support for general inquiries
• Documentation and self-service resources available
• Priority support may be available for enterprise clients

9. Disclaimers and Limitations

9.1 Disclaimers

• Services are provided "as is" without warranties of any kind
• We do not guarantee specific results or outcomes
• Technology risks and market volatility are inherent
• Regulatory changes may affect service availability

9.2 Limitation of Liability

To the maximum extent permitted by law, Virtual Capital's liability is limited to the fees paid for the specific service in the 12 months preceding the claim. We are not liable for indirect, incidental, consequential, or punitive damages.

10. Termination

10.1 Termination Rights

• Either party may terminate with 30 days' written notice
• We may suspend or terminate immediately for Terms violations
• Accounts may be terminated for compliance or security reasons
• Termination does not affect completed transactions

10.2 Effect of Termination

• Access to Services will be discontinued
• Data may be retained per our Privacy Policy
• Outstanding obligations remain enforceable
• Survival provisions continue post-termination

11. Governing Law and Disputes

These Terms are governed by the laws of the jurisdiction where Virtual Capital LTD is incorporated. Any disputes shall be resolved through:

• Good faith negotiation as the first step
• Binding arbitration if negotiation fails
• Applicable courts for injunctive relief
• Class action waiver where legally permissible

12. Contact Information

For questions about these Terms or our Services, please contact us:

13. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via:

• Email notification to registered users
• Prominent notice on our website
• In-app notifications for active users
• 30-day advance notice for material changes

Continued use of our Services after changes constitute acceptance of the modified Terms.