TNQ Token

TNQ
TERMS OF USE


These Terms constitute a legally binding agreement between you (“you” or “your”) and TNQ (“TNQ,” “we,” “our,” or “us”). The Terms govern your use of the TNQ Services made available to you on or through the Platform or otherwise. TNQ Services may be provided by TNQ or, if specified in these Terms or any additional terms.


    By registering for a TNQ Account, accessing the Platform and/or using the TNQ Services, you agree that you have read, understood, and accepted these Terms, together with any additional documents or terms referred to in these Terms. You acknowledge and agree that you will be bound by and will comply with these Terms, as updated and amended from time to time.

    Every time you visit the TNQ Website, you will be prompted to either accept or reject cookies; you can also tailor your selection.

    If you do not understand and accept these Terms in their entirety, you should not register for a TNQ Account or access or use the Platform or any TNQ Services.


    RISK WARNING STATEMENT

    As with any asset, the value of Digital Assets can fluctuate significantly and there is a material risk of economic loss when buying, selling, holding, or investing in Digital Assets. You should therefore consider whether holding Digital Assets is suitable for you in light of your financial circumstances.

    Further information on the risks associated with using the TNQ Services is set out in our Risk Warning Statement, which may be updated from time to time. You should read the Risk Warning Statement carefully; however, it does not explain all of the risks that may arise, or how such risks relate to your personal circumstances.

    It is important that you fully understand the risks involved before making a decision to use the TNQ Services.


    We are not your broker, intermediary, agent, or advisor and we have no fiduciary relationship or obligation to you in connection with any Transactions or other activities you undertake when using the TNQ Services. We do not provide investment or consulting advice of any kind and no communication or information that we provide to you is intended as, or should be construed as, advice of any kind.

    It is your responsibility to determine whether any investment, investment strategy, or related transaction is appropriate for you according to your personal investment objectives, financial circumstances, and risk tolerance and you are responsible for any associated loss or liability. We do not recommend that any Digital Assets should be bought, earned, sold, or held by you. Before making the decision to buy, sell, or hold any Digital Assets, you should conduct your own due diligence and consult your financial advisor. We are not responsible for the decisions you make to buy, earn, sell, or hold Digital Assets based on the information provided by us, including any losses you incur arising from those decisions.

    Definitions and Interpretation
    In these Terms:
    1. clause headings and numbering are for convenience only and do not affect the meaning, priority or interpretation of any clause or sub-clause of these Terms;
    2. the words “include” or “including” shall mean including without limitation and include without limitation respectively;
    3. any undertaking to do or not do a thing shall be deemed to include an undertaking not to permit or suffer the doing of that act or thing;
    4. words importing the singular include the plural and vice versa and words importing a gender include any gender;
    5. any reference to a document is to that document as amended, varied, or novated from time to time otherwise than in breach of these Terms or that document; and
    6. in the event of inconsistency between these Terms (including any documents referred to in these Terms), the inconsistency shall be solved by giving such provisions and documents the following order of precedence:
      1. the Privacy Policy; and
      2. these Terms;
    7. except where the context requires others, the following Terms shall have the following meanings:

    Access IDs means your TNQ Account details, username, passwords, personal identification numbers, API keys, API secret keys, or any other codes or forms of authentication that you use to access your TNQ Account or the TNQ Services or to send Instructions.
    Account History means the written record (including electronic records) of your Transactions and your TNQ Account.
    API means application program interface.
    Applicable Law means all relevant or applicable statutes, laws (including rules of common law), principles of equity, rules, regulations, regulatory principles, and requirements, notices, orders, writs, injunctions, judgements, bye-laws, rulings, directives, proclamations, circulars, mandatory codes of conduct, guidelines, practice notes, and interpretations (whether of a governmental body, regulatory, or other authority, or self-regulatory organisation of which TNQ is a member), that are applicable to the provision, receipt or use of the TNQ Services, or any other products or deliverables provided, used or received in connection with the TNQ Services, or these Terms.
    Chat Service means an interactive online chat service available to you when you use any of the TNQ Services.
    Claim means any dispute, claim, difference, or controversy between you and TNQ (and/or any TNQ Affiliates) arising out of, in connection with, or relating in any way to:
    1. these Terms, including their existence, validity, subject matter, interpretation, performance, breach, negotiation, termination, enforceability, or the consequences of their nullity;
    2. your relationship with TNQ (and/or any TNQ Affiliates) as a user (whether based on contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether the claims arise during or after the termination of these Terms); or
    3. any non-contractual obligations arising out of or relating to these Terms, or your relationship with TNQ (and/or any TNQ Affiliates).
    Control means the power of a person to secure that the affairs of another are conducted in accordance with the wishes of the first person, whether by means of:
    1. in the case of a company, being the beneficial owner of more than fifty percent (50%) of the issued share capital of or of the voting rights in that company, or having the right to appoint and remove a majority of the directors or otherwise control the votes at board meetings of that company by virtue of any powers conferred by the organisational documents, shareholders’ agreement, a majority of the board of directors, or any other document regulating the affairs of that company or by any other means; or
    2. in the case of a partnership, being the beneficial owner of more than fifty percent (50%) of the capital of that partnership, or having the right to control the composition of or the votes to the majority of the management of that partnership by virtue of any powers conferred by the partnership agreement or any other document regulating the affairs of that partnership or by any other means.
    Created IP means any Intellectual Property Rights created by you pursuant to these Terms, including the User Materials, but excluding any other User IP.
    Digital Asset/Digital Assets means a digital representation of value or rights that may be transferred and stored electronically, using distributed ledger technology, or similar technology. This includes, but is not limited to, cryptocurrencies, stablecoins, non-fungible tokens (NFTs), and tokenized derivatives of other Digital Assets.
    Email Account means the email account(s) associated with your TNQ Account(s), as agreed with TNQ from time to time, in accordance with any processes identified by TNQ when using the Platform.
    Fiat Currency means any government or central bank issued national, or supra-national, currency, or other monetary obligation denominated in such currency, and which is not a Digital Asset.
    Force Majeure Events
    1. any fire, strike, riot, civil unrest, terrorist act, war, or industrial action;
    2. any natural disaster such as floods, tornadoes, earthquakes, or hurricanes;
    3. any epidemic, pandemic, or public health emergency of national or international concern;
    4. any act or regulation made by a government, supranational body, or authority that we believe stops us from providing TNQ Services on the Platform;
    5. the suspension or closure of any TNQ Affiliate;
    6. the nationalisation of any TNQ Affiliate;
    7. the imposition of limits or unusual terms by a government on any Digital Assets offered by our Platform;
    8. excessive changes to the price, supply, or demand of any Digital Assets;
    9. technical failures in transmission, communication, or computer facilities, including power failures and electronic or equipment failures;
    10. the failure of any supplier, intermediate broker, agent, principal custodian, sub-custodian, dealer, exchange, staking platform, liquidity pool, bridge provider, market maker, clearing house, or regulatory organisation to perform its obligations to us;
    11. liquidity providers not providing or being unable to provide liquidity to us;
    12. any labour or trade disputes, strikes, industrial actions, or lockouts (other than in each case by TNQ or the TNQ Affiliates); and/or
    13. an event which significantly disrupts the market for Digital Assets, which could include excessive movements in the price, supply, or demand of a Digital Asset, whether regulated or unregulated.
    Instruction means any instruction, request, or order given to TNQ by you or a Permitted User in relation to the operation of your TNQ Account or to execute any Transaction through such medium and in such form and manner as TNQ may require.
    Intellectual Property Rights means:
    1. copyright, patents, database rights, and rights in trademarks, designs, know-how and confidential information (whether registered or unregistered);
    2. applications for registration, and rights to apply for registration, of any of the foregoing rights; and
    3. all other intellectual property rights and equivalent or similar forms of protection existing anywhere in the world.
    List of Prohibited Countries means the list of countries, as determined and maintained by TNQ, where certain transactions or activities are restricted or prohibited. This list is accessible at List of Prohibited Countries and may be updated from time to time at the TNQ‘s discretion.
    Local Terms means the terms governing your use of the TNQ Services provided in any particular jurisdiction.
    Lock/Locking/Locked means the TNQ Service identified as “TNQ Locking” on the Platform, allowing you to participate in Locking in accordance with these Terms to gain Locking Rewards.
    Locked Asset means the Digital Asset that has been locked with the Locking Service.
    Locking Rewards means the Digital Asset that is provided to you as consideration for subscribing to a Locking, in accordance with these Locking Policy.
    Manifest Error means any error, omission or misquote (whether an error of TNQ or any third-party) that is manifest or palpable, including a misquote by any representative of TNQ taking into account the current market and currently advertised quotes, or any error of any information, source, official, official result, or pronunciation.
    Mobile App means any mobile application developed or provided by us or any of the TNQ Affiliates that enables you to use or otherwise access TNQ Services.
    Permitted User means any person identified by you and communicated to us, in accordance with these Terms, who is authorised to act on a user’s behalf with respect to any TNQ Account.
    Platform means the digital platform that we or any of the TNQ Affiliates may make accessible to you via Sites, the Mobile App, a TNQ API, or by such other means as TNQ Affiliates may prescribe from time to time for the use of TNQ Services.
    Privacy Policy means the document that outlines how TNQ collects, uses, stores, and protects personal information of users and other individuals. It includes details on data handling practices, user rights, and any third-party disclosures. The Privacy Policy is available at Privacy Policy and may be updated periodically to reflect changes in practices or legal requirements.
    Regulatory Authority means any foreign, domestic, state, federal, cantonal, municipal, or local governmental, executive, legislative, judicial, administrative, supervisory, or regulatory authority, agency, quasi-governmental authority, court, commission, government organisation, self-regulatory organisation having regulatory authority, tribunal, arbitration tribunal or panel, or supra-national organisation, or any division or instrumentality thereof, including any tax authority.
    Restricted Person means a person or legal entity who:
    1. is included in any trade embargoes or economic sanctions, terrorist, or corrupt foreign officials list (such as the United Nations Security Council Sanctions List; or
    2. resides, is established, or has operations in any country listed in the List of Prohibited Countries.
    Risk Warning Statement means the general risk warning published on the Website.
    Security Breach means:
    1. your TNQ Account(s) or any of your Access IDs have been compromised;
    2. the loss, theft, or unauthorised use of any of your Access IDs or any unauthorised access to and use of your TNQ Account or the TNQ Services on your behalf; or
    3. any other security incident (including a cyber-security attack) affecting you and/or TNQ.
    Sites means our Website and any other websites, pages, features, or content we own or operate.
    Supported Digital Assets means those Digital Assets that are available in connection with your use of the TNQ Services.
    Terms means these Terms of Use, together with any other documents expressly incorporated by reference, in each case as amended or supplemented from time to time.
    Token/ TNQ means the Digital Asset backed by TNQ.
    Trademarks means the Intellectual Property Rights in the trademarks, service marks, and logos used and displayed on or through the Platform, the Sites and/or the TNQ Services.
    Transaction/Transactions means selling, purchasing, or entering into any other type of transactions, or agreeing to sell, purchase, or enter into any other type of transactions involving Digital Asset(s), their derivatives, other asset(s), or product(s) as TNQ may from time-to-time permit to be carried out on the Platform, and depositing or withdrawing Digital Assets or Fiat Currency into or out of your TNQ Account.
    TNQ/we/our/us means TNQ backed by TNQ (a company incorporated under the laws of the Labuan and addressed at Unit Level 9F (2), Main Office Tower, Financial Park Labuan, Jalan Merdeka, 87000 F.T. Labuan, Malaysia.)
    TNQ Account means any account which are opened by TNQ for you to record your use of TNQ Services.
    TNQ Affiliates means with respect to TNQ: any other person which, directly or indirectly, Controls, is Controlled by, or is under common Control with, TNQ.
    TNQ API means an API made available by a TNQ Affiliate to you as a service, or third-party applications relying on such an API.
    TNQ IP means the Created IP and all other Intellectual Property Rights owned by or licensed, on a sub-licensable basis, to us as at the date of the Terms and any other Intellectual Property Rights owned or acquired by or licensed, on a sub-licensable basis, to us after the date of these Terms, and which are provided by us to you in the course of providing you with the TNQ Services.
    TNQ Services means the services offered by us to you through the Platform.
    Unlock/unlocking means when you instruct TNQ to transfer Locked Asset to your Wallet before the Settlement Date.
    User IP means the Intellectual Property Rights owned by or licensed to you as at the date of these Terms and any other Intellectual Property Rights owned or acquired by or licensed to you after the date of these Terms, excluding TNQ IP.
    User Materials means the Intellectual Property Rights in any reviews, posts, information, data, and comments you or other users provide to us on the Sites, the Platform, through the use of TNQ Services, or otherwise.
    Website means the website located at https://tnqtoken.io.

  1. Relationship with TNQ
    1. About Us
      2. TNQ is backed by TNQ, which is a pioneering digital private fund that offers its utility token, the TNQ as the Rewards Allocation Token, empowering token holders to actively participate in the ecosystem.

    2. These Terms
      3. By registering to open a TNQ Account, you are entering into a legally binding agreement with us. These Terms will govern your use of the TNQ Services and tell you who we are, how we will provide the TNQ Services to you, how these Terms may be changed or terminated, what to do if there is a problem, along with other important information.

      You must read these Terms, together with the documents referenced in the Terms, carefully and let us know if you do not understand anything.

    3. Additional Documents
      4. These Terms refer to a number of additional documents which also apply to your use of the TNQ Services. This includes:
      1. our Privacy Policy, which sets out the terms on which we process any personal data we collect about you, or that you provide to us. By using the TNQ Services, you understand and agree to such processing and you promise that all data provided by you is accurate and up to date; and
      2. our Risk Warning Statement, which sets out important information on the risks that can arise when buying, selling, holding, or investing in Digital Assets.

      You acknowledge that you will be bound by, and agree that you will comply with, any relevant additional terms and conditions that apply to your use of the TNQ Services.

  2. Eligibility
    1. Eligibility Criteria
      2. To be eligible to register for a TNQ Account and use the TNQ Services, you must:
      1. be an individual, corporation, legal person, entity, or other organisation with the full power, authority, and capacity to:
        1. access and use the TNQ Services; and
        2. enter into and comply with your obligations under these Terms;
      2. if you are an individual, be at least 18 years old;
      3. if you act as an employee or agent of a legal entity, and enter into these Terms on their behalf, you must be duly authorised to act on behalf of and bind such legal entity for the purposes of entering into these Terms;
      4. not have been previously suspended or removed from using TNQ Services;
      5. not be a Restricted Person;
      6. not currently have an existing TNQ Account; and
      7. not be located, incorporated, otherwise established in, a citizen of, or resident of, or have business operations in:
        1. a jurisdiction where it would be illegal under Applicable Law for you to access or use the TNQ Services, or cause us or any third-party to contravene any Applicable Law; or
        2. a country listed in our List of Prohibited Countries.

    2. Amendment to Eligibility Criteria
      We may amend our eligibility criteria at any time at our sole discretion. Where possible, we will give you notice in advance of the change. However, we may occasionally need to make changes without telling you in advance. This may include where:
      1. we are making the change as a result of legal and/or regulatory changes;
      2. the changes being made are in your interest; and/or
      3. there is any other valid reason which means there is no time to give you notice.

      Where we are unable to give you advance notice, we will let you know of the change as soon as possible after it is made.

  3. Contact
    1. Contacting Us
      2. For more information on TNQ, you may refer to the information found on our Website. If you have questions, feedback, or complaints you can contact us via email at [email protected]. These Terms may specify contact details for particular notices.

    2. Contacting You
      3. We will contact you using the details you provide to us. This may include contacting you by email, SMS or telephone. It is important that you ensure that your contact details are correct and up to date. If your contact details change, you must let us know immediately. If you do not, we will not be responsible if you do not receive information, notices or other important information from us.

  4. TNQ Services
    1. Specific Terms
      2. Once you have opened a TNQ Account, you will be able to use the TNQ Services in accordance with these Terms that govern your use of each specific TNQ Service.

    2. Smart Contract Interactions
      1. Nature of Smart Contracts
        2. Smart contracts are self-executing contracts with the terms of the agreement directly written into code. TNQ may utilize smart contracts in the provision of certain services. You acknowledge that smart contracts are a nascent and evolving technology that may carry inherent risks.

      2. User Responsibility
        3. By interacting with any smart contracts through the TNQ platform, you acknowledge and agree that:
        1. you are solely responsible for understanding the functionality and implications of any smart contract before interacting with it;
        2. TNQ does not guarantee the accuracy, completeness, or performance of any smart contract; and
        3. smart contract interactions are irreversible and may have unintended consequences.

      3. Risks of Smart Contracts
        4. You understand and accept the following risks associated with smart contract interactions:
        1. coding errors or bugs that may result in unintended outcomes or loss of funds;
        2. potential vulnerabilities that could be exploited by malicious actors;
        3. changes in the underlying blockchain that may affect smart contract execution; and/or
        4. possible delays or increased transaction costs due to network congestion.

      4. Limitation of Liability TNQ shall not be held liable for any losses, damages, or
        5. unintended consequences resulting from smart contract interactions, including but not limited to:
        1. loss of funds due to smart contract errors or exploits;
        2. unintended execution of smart contract functions; and
        3. failure of smart contracts to perform as expected.

    3. DeFi Integrations
      1. Nature of DeFi Services
        2. Decentralized Finance (DeFi) refers to financial services implemented on blockchain networks without traditional intermediaries. TNQ may offer integrations with various DeFi protocols or services.

      2. User Acknowledgment
        3. By using any DeFi features through the TNQ platform, you acknowledge and agree that:
        1. DeFi services are experimental and carry high financial risk;
        2. the value of Digital Assets involved in DeFi transactions can be highly volatile; and
        3. TNQ does not control third-party DeFi protocols and is not responsible for their performance or security.

      3. Risks of DeFi
        4. You understand and accept the following risks associated with DeFi services:
        1. smart contract risks as outlined in the above section;
        2. potential for significant financial loss due to market volatility, liquidations, or protocol failures;
        3. regulatory uncertainty that may affect the legality or availability of DeFi services; and/or
        4. potential for hacks, exploits, or other security breaches of DeFi protocols.

      4. User Responsibility
        5. When utilizing DeFi features through TNQ, you are responsible for conducting your own research and due diligence on any DeFi protocol or service, understanding the terms, risks, and potential returns of any DeFi transaction, and managing your own risk, including setting appropriate stop-losses or liquidation thresholds where applicable.

      5. Limitation of Liability
        6. TNQ shall not be held liable for any losses or damages resulting from your use of DeFi services, including but not limited to:
        1. losses due to market volatility or liquidations;
        2. funds lost due to hacks or exploits of third-party DeFi protocols; and
        3. unavailability of DeFi services due to regulatory actions or protocol shutdowns.

      6. Regulatory Compliance
        7. You agree to comply with all applicable laws and regulations when using DeFi services. TNQ reserves the right to restrict access to certain DeFi features based on your jurisdiction or other regulatory requirements.

    4. Locking and Yield-Generating Activities
      1. Nature of Locking and Yield-Generating Activities
        2. TNQ may offer Locking and other yield-generating activities for certain supported Digital Assets. These activities involve locking up or pledging your assets to support network operations or liquidity provision in exchange for rewards.

      2. Eligibility
        3. Not all Digital Assets supported by TNQ are eligible for Locking and yield-generating activities. Eligibility for participation may vary based on your jurisdiction, account status, and other factors determined by TNQ. TNQ reserves the right to modify eligibility criteria at any time without prior notice.

      3. Rewards and Yields
        4. Reward rates and yields are variable and not guaranteed. Rewards may be paid in the Locked Asset or in other Digital Assets as determined by TNQ. TNQ may deduct fees from rewards as compensation for facilitating these services. Users are responsible for any tax implications arising from locking rewards or yields.

      4. Risks Associated with Locking and Yield-Generating Activities
        5. Users acknowledge and accept the following risks:
        1. Market Risk: The value of locked assets may fluctuate, potentially resulting in losses.
        2. Liquidity Risk: Locked assets may be subject to lock-up periods, reducing liquidity.
        3. Slashing Risk: Some blockchain networks may impose penalties ("slashing") for validator misbehavior, potentially resulting in loss of Locked Assets.
        4. Smart Contract Risk: Locking and yield-generating activities often involve smart contracts, which may contain bugs or vulnerabilities.
        5. Regulatory Risk: Changes in regulations may impact the availability or legality of these services.

      5. User Responsibilities
        6. When participating in Locking or yield-generating activities, users are responsible for understanding the specific terms and conditions for each activity, monitoring their locked positions and any associated rewards, being aware of any lock-up periods or Unlocking procedures, and maintaining sufficient balance for any associated fees.

      6. Unlocking and Withdrawals
        7. Unlocking processes and timeframes may vary depending on the specific asset and network. TNQ is not responsible for any delays in Unlocking or withdrawals due to network conditions or protocol rules. Users may be subject to minimum unlocking amounts or cool-down periods as determined by the underlying protocols or TNQ.

      7. Service Interruptions
        8. TNQ reserves the right to suspend or terminate Locking or yield-generating services at any time for any reason, including but not limited to:
        1. technical issues or maintenance requirements;
        2. changes in regulatory environment; and
        3. security concerns or suspected fraudulent activity.

      8. No Guarantee of Returns
        9. TNQ does not guarantee any specific return or profit from Locking or yield-generating activities. Past performance is not indicative of future results.

      9. Third-Party Services
        10. Some Locking or yield-generating activities may involve third-party services or protocols. TNQ is not responsible for the performance, security, or availability of these third-party services.

      10. Limitation of Liability
        11. TNQ shall not be held liable for any losses or damages resulting from participation in Locking or yield-generating activities, including but not limited to:
        1. loss of Locked Assets due to slashing or protocol penalties;
        2. opportunity costs due to lock-up periods;
        3. losses due to smart contract vulnerabilities or exploits; and
        4. fluctuations in reward rates or asset values.

      11. Disclosures
        12. TNQ will make reasonable efforts to provide relevant information about Locking or yield-generating activities, including reward rates, lock-up periods, and associated risks. However, users are ultimately responsible for their own due diligence.

      12. Modifications to Locking Terms
        13. TNQ reserves the right to modify the terms of Locking and yield-generating activities at any time. Users will be notified of significant changes, and continued participation will be deemed acceptance of the modified terms.

  5. Chat Service
    1. Availability of Chat Service
      2. We may make our interactive online chat service available to you (“Chat Service”) at any time in connection with your use of any of the TNQ Services. By using the Chat Service, you may interact with a bot, chatbot, or other Non-human entities. We will disclose the use of a chatbot, or other non-human, to the extent required by Applicable Law. When engaging with us through the use of the Chat Service, you authorise us to monitor and save your chats.

    2. Important Information
      3. The Chat Service is provided as a convenience, often to facilitate your understanding of the TNQ Services. Our Chat Service will make reasonable efforts to provide you with accurate and current information based on your question or need. Nothing we communicate in the Chat Service will be considered a legal agreement, representation or warranty as to the TNQ Services, processes, decisions, or response times. Any personal data shared with us when using the Chat Service will be subject to the applicable privacy-related policies and notices described in our Privacy Policy.

    3. Prohibited Actions
      4. You must not use the Chat Service to send any abusive, defamatory, dishonest, or obscene messages or any messages intended to manipulate a market or to spread false or misleading information, or messages that are otherwise in contravention of Applicable Laws. Doing so may result in termination of the Chat Service session and may lead to restrictions on the availability of TNQ Services to you.

  6. Fees
    1. Payment of Fees
      2. You agree to pay all applicable fees that are reflected on the Website at the time of your use of the TNQ Services, or otherwise communicated to you in any relevant Terms.

      You authorise us to deduct all applicable fees, commissions, interest, charges, and other sums that you owe from your TNQ Account under these Terms, in accordance with the calculation outlined in our fee structure. If you owe us an amount in one Digital Asset and do not have sufficient assets in that Digital Asset, we may deduct the sums owed in another Digital Asset to effect payment (in which case we will convert the Digital Asset you hold into the Digital Asset in which the sums owed to us are denominated or the Fiat Currency equivalent, at the rate currently offered on the Platform or at such other commercially reasonable rate as we may determine). In the event that there are insufficient Digital Assets in your TNQ Account, you acknowledge that any amount due and payable from you under this clause is a debt immediately due and owing by you to us in such amount and form (whether in the form of a Digital Asset or otherwise) as we may determine, acting in a commercially reasonable manner.

    2. Amending Our Fees
      3. We may adjust our fees from time to time in accordance with Clause 16.3 of these Terms.

  7. TNQ Account
    1. Account Opening
      2. You must create and maintain a TNQ Account in order to access the TNQ Services and the Platform. This may be a TNQ Account for an individual user, a corporation, an entity or another organisation.

      All TNQ Accounts are provided at our absolute discretion. We reserve the right to refuse any application for a TNQ Account without reason or to limit the number of TNQ Accounts that you may hold.

    2. Sole Benefit
      3. By opening a TNQ Account, you agree that:
      1. where you are an individual user, you will use your TNQ Account only for yourself, and not on behalf of any third-party, unless you have obtained our prior written consent; and
      2. where you are a corporate user, your Permitted Users will use the TNQ Account only for your benefit, and not on behalf of any third-party, unless you have obtained our prior written consent.

      You are fully responsible for all activity that occurs under your TNQ Account.

    3. Identity Verification
      4. You will need to comply with our identity verification procedures before you are permitted to open a TNQ Account and access and use the TNQ Services by providing us with certain information about yourself and, where relevant, your Permitted Users. All information that you provide must be complete, accurate, and truthful. You must update this information whenever it changes.

      You authorise us to make inquiries, whether directly or through third-parties, that we consider necessary to verify your identity, and that of any Permitted Users, or protect you and/or us against fraud, money laundering, terrorist financing or other financial crime, and to take any action we deem necessary based on the results of these inquiries.

      When we carry out inquiries, you acknowledge and understand that your personal data, and that of any Permitted Users, may be disclosed to identity verification, compliance data recordation, credit reference, fraud prevention, or financial crime agencies and that these agencies may respond to our inquiries in full.

      You can review our Privacy Policy to have more information about how we process your personal data.

    4. Enhanced Due Diligence
      5. We may also require you to comply with our enhanced due diligence procedures by submitting additional information about yourself, your business or your Permitted Users, providing additional records or documentation, or having face-to-face meetings with representatives of TNQ.

    5. Records
      6. We keep your personal data to enable your continued use of TNQ Services, for as long as it is required in order to fulfil the relevant purposes described in our Privacy Policy, and as may be required by law such as for tax and accounting purposes, compliance with anti-money laundering laws, or as otherwise communicated to you. Please review our Privacy Policy for more information on how we collect and use your personal data relating to the use and performance of our Sites and the TNQ Services.

    6. Access
      7. To access your TNQ Account, you or, where relevant, your Permitted Users, must have the necessary equipment (such as a computer or smartphone) and access to the internet. Your TNQ Account can be accessed directly using the Platform or by such other modes of access (including APIs) as we may prescribe. You are only permitted to access your TNQ Account by using the Access IDs we provide to you or your Permitted Users for such purposes. We may require multi-factor authentication to keep your TNQ Account safe and secure.

      The use of the Platform and other access methods may be subject to such additional terms as we communicate to you.

    7. Restricting Access to Third-Parties
      8. You must ensure that any TNQ Account(s) registered under your name will not be used by any person other than yourself or your Permitted Users, other than in accordance with these Terms.

    8. Information Sharing
      9. We may be required under Applicable Law to share information about your TNQ Account with third-parties. You acknowledge and agree that we are entitled to disclose such information. For more information about how we process your personal data, review our Privacy Policy.

  8. Instructions
    1. Giving Instructions
      2. You must ensure that any Instruction submitted is complete and accurate. We are not required to verify the accuracy, authenticity, or validity of any Instruction and will not monitor or reject Instructions on the basis that they are, or appear to be duplicates. However, if we are in doubt as to the accuracy, authenticity, or validity of an Instruction, we may refuse to act upon or defer acting upon any Instruction, or seek further information with respect to the Instruction.

      Instructions are irrevocable; therefore once an Instruction has been submitted you, or your Permitted Users have no right to rescind or withdraw it without our written consent. Your Instruction is not deemed to be received by us until it has been received by our server. Our record of all Instructions will be conclusive and binding on you for all purposes.

    2. Acting on Your Instructions
      3. By submitting an Instruction, you or your Permitted Users are authorising us to initiate the Transaction on your TNQ Account. We are therefore authorised to credit or debit (or provide settlement information to third-parties for the purposes of the third-party crediting or debiting) your Digital Assets from your TNQ Account in accordance with your Instruction. If you have insufficient Digital Assets or Fiat Currency in your TNQ Account to affect the Transaction (i.e., less than the required amount to settle the Transaction and to pay all the fees associated with the Transaction), then we have the right to refuse to affect any Transaction. It is your responsibility to hold sufficient Digital Assets or Fiat Currency credited in your TNQ Account.

    3. Protection of Instructions
      4. You are aware that Instructions and information transmitted on the Platform or by email are generally transmitted via the internet and may be routed via public, transnational installations which are not specifically protected. We cannot guarantee that the Instructions and information transmitted will be completely protected against unauthorised access, and you accept the associated risks.

  9. Information Requests
    1. Events That May Prompt a Request for Information
      2. Events That May Prompt a Request for Information We may require information from you at any time for the purposes of complying with any Applicable Law, identity verification requirements, or in connection with the detection of money laundering, terrorist financing, fraud, or any other financial crime, or for any other valid reason. You agree to provide us with any such information we request and permit us to keep a record of the information for the lifetime of your TNQ Account as long as it is required to fulfil their intended purposes, or such other period as prescribed by Applicable Law.

    2. Responsibility of Furnishing Information
      3. Your access to your TNQ Account, which applies to your use of the TNQ Services, may be altered as a result of information collected about you on an ongoing basis. If there is a reasonable suspicion that any information provided by you is incorrect, untruthful, outdated, or incomplete, we may send you a notice to request corrections, remove relevant information, or do such other things that we consider necessary to ensure that the information you provide is true and correct.

    3. In the Event You Fail to Provide Any Requested Information
      4. You must comply with any information request we send to you. If you decline to provide the requested information, or otherwise do not comply in a timely manner, we reserve the right to suspend or terminate your access to your TNQ Account, or to all or part of the TNQ Services immediately, without notice.

  10. Transactions
    1. Entering into Transactions
      2. You may enter into Transactions directly with us, or directly with other users, which may or may not be facilitated by us. We do not represent or warrant that any Transaction will be completed successfully or within a specific time period.

    2. Unauthorised Transactions
      3. You are responsible for the control and use of your TNQ Account. As such, we will assume that you, or a Permitted User, have authorised any Instruction sent from your TNQ Account unless we are notified otherwise. It is important that you monitor your Account History to ensure any unauthorised or suspicious activity on your TNQ Account is identified and notified to us as soon as possible. We are not responsible for any claim or losses resulting from a Transaction executed as a result of an unauthorised Instruction unless you have notified us in accordance with this clause.

    3. Retention of Transaction Information
      4. To facilitate compliance with global industry standards for data retention, you agree to permit us (but agree to not required) to keep a record of all Transaction information for the lifetime of your TNQ Account as long as it is required to fulfil their intended purposes, or such other period as prescribed by Applicable Law. Please review our Privacy Policy for more information on how we collect and use data relating to the use and performance of our Website and the TNQ Services.

  11. Material Interests and Conflicts
    1. TNQ
      2. You understand that TNQ is backed by TNQ, an approved digital private fund company specialising in fund tokenization.

    2. Nature of Our Duties
      3. You understand and agree that neither your relationship with us nor any TNQ Service we provide to you nor any other part of any TNQ Affiliate, whether legal, equitable, or fiduciary in nature, is expressly set out in these Terms. In particular, we and any TNQ Affiliate may from time-to-time act in more than one capacity, and in those capacities, we may receive fees or commissions from more than one user (including you). You agree that we may act in such capacities and provide any other TNQ Services or carry out any business with or for you, any TNQ Affiliate or any other user.

    3. Material Interests
      4. You understand and agree that neither we nor any TNQ Affiliate will be required to:
      1. have regard to any information known to us, or to any TNQ Affiliate that constitutes a material interest;
      2. disclose any such information to you; or
      3. use any such information for your benefit.

      You further acknowledge that from time to time we may receive general market information in the course of providing TNQ Services to you, which we may use in the ordinary course of our business.

    4. Conflicts of Interest
      5. We have established and maintained effective organisational and administrative arrangements with a view to taking all appropriate steps to identify and manage conflicts of interest between us and our users and relevant third-parties, so as to prevent conflicts of interest from adversely affecting the interests of our users. In cases where such organisational and administrative arrangements are not sufficient to ensure that the risks of damage to your interests will be prevented, we will inform you of the nature and/or sources of the relevant conflicts of interest and the steps taken to mitigate those risks in order to allow you to make an informed decision as to whether to continue to transact with us. We reserve the right at all times to decline to act for you where we are not able to manage a conflict of interest in any other way.

  12. Transaction Limits
    1. Your Transaction Limits
      2. Your TNQ Account may be subject to a limit on:
      1. the amount or volume of Transactions you may undertake in connection with your TNQ Account; and/or
      2. the amount or value of Digital Assets or Fiat Currency you may transfer into or out of your TNQ Account, in each case in a given period (e.g., daily). Any applicable limits are shown in your TNQ Account.


    2. Changes to Your Transaction Limits
      3. We reserve the right to change any Transaction limit that applies to your TNQ Account at any time at our absolute discretion. It may also be possible for you to request a change in your limits. Any change will be made in our absolute discretion and will be subject to any further conditions that we deem necessary.

  13. Supported Digital Assets
    1. Supported Digital Assets
      2. The TNQ Services are only available in connection with Supported Digital Assets, which may change from time to time. A List of the Supported Digital Assets is published on our Website. We may remove or suspend Digital Assets from the List of the Supported Digital Assets and we will use reasonable commercial efforts to notify you in advance, meaning that you will no longer be able to access such Digital Assets as part of the TNQ Services and will only be permitted to withdraw the Digital Assets from your TNQ Account.

  14. Account Security
    1. Your Responsibility
      2. You are responsible for taking appropriate action to protect your hardware and data from viruses and malicious software, and any inappropriate material. Except as provided by Applicable Law, you are responsible for backing up and maintaining duplicate copies of any information you store or transfer through TNQ Services. We are not responsible for any claim or losses resulting from your failure to comply with this clause.

    2. Security Measures
      3. At all times, you and any Permitted Users shall maintain adequate security and control of all of your Access IDs. You are responsible for taking the necessary security measures (or ensuring that your Permitted Users take such measures) to protect your TNQ Account and to keep your Access ID secure, including by:
      1. strictly abiding by all of our mechanisms or procedures;
      2. creating a strong password and maintaining security and control of your Access IDs;
      3. keeping the Email Account and telephone number provided to us up to date in order to receive any notices or alerts that we may send you;
      4. never allowing remote access or sharing your computer and/or computer screen with someone else when you are logged on to your TNQ Account;
      5. remembering that under no circumstances will we ask you to share your passwords or 2-factor authentication codes; and
      6. logging out from the Sites or the Platform at the end of each visit.

      You must keep the Email Account and Access IDs secure against any attacks and unauthorised access. You must notify us immediately if you have knowledge or have reason for suspecting that the security of your Email Account, or that of a Permitted User, has been compromised or if there has been any unauthorised use of your or any Permitted User’s Email Account.

    3. Monitoring Your Account History
      4. It is important that you monitor your Account History to ensure any unauthorised or suspicious activity on your TNQ Account is identified and notified to us as soon as possible. You acknowledge that any Security Breach may result in unauthorised access to your TNQ Account by third-parties and the loss or theft of any Digital Assets and/or funds held in your TNQ Account and any associated accounts, including your linked bank account(s) and credit card(s).

    4. Security Breach
      5. If you suspect a Security Breach, you must ensure that:
      1. we are notified immediately using the details set out in Clause 3.1 and are provided with accurate and up-to-date information throughout the duration of the Security Breach;
      2. your TNQ Account is immediately locked via the disable account function on the Platform or via any other method as may be prescribed by us from time to time; and
      3. you take any other steps that we may reasonably require to reduce, manage, or report any Security Breach.

      We reserve the right to request, and you agree to provide, any and all information and documents we deem relevant or necessary in connection with an actual or suspected Security Breach, and may provide such information to any third-party that we deem necessary in order to resolve any Security Breach.

    15. Other Important Information
  15. Privacy
    1. Privacy Policy
      2. Our collection and use of personal data in connection with these Terms, the TNQ Services, the Platform and any Site is as provided in our Privacy Policy (as updated from time to time). You acknowledge that we may process personal data in relation to you, that you have provided to us, or we have collected from you in connection with these Terms and in accordance with Privacy Policy. Your personal data will be processed in accordance with the Privacy Policy, which shall form part of these Terms.

      You represent and warrant that:
      1. you acknowledge that you have read and understood our Privacy Policy; and
      2. our business changes regularly and our Privacy Policy will change also.

      Therefore, if from time to time we provide you with a replacement version of the Privacy Policy you will promptly read the Privacy Policy.

  16. Changes to the Terms
    1. How and When We Can Make Changes
      2. We can make changes to these Terms and any terms and conditions incorporated by reference at any time and your acceptance of these Terms constitutes your express consent. We will let you know of any changes by email or via our Website.

      We will let you know in advance of most changes and will give you notice before the changes take effect. However, we may occasionally need to make changes without telling you in advance. This may include where:
      1. we are making the change as a result of legal and/or regulatory changes;
      2. the changes being made are in your interest;
      3. the changes are to make these Terms clearer to you; and/or
      4. there is any other valid reason which means there is no time to give you notice.

      Where we are unable to give you advance notice, we will let you know of the change as soon as possible after it is made.

    2. When Changes Come into Effect
      3. Save where changes come into effect immediately, the updated Terms will come into effect after we have given you notice. If you do not wish to accept the changes, you are free to close your TNQ Account in accordance with Clause 17.1 of these Terms. If we do not hear from you, we will assume that you have accepted the change and your continued access to or use of TNQ Services will be deemed acceptance of the updated Terms.

    3. Changes to Fees
      4. We may also make changes to the fees set out in the fee structure on the Website, which includes introducing new fees and/or charges. If you do not wish to accept the changes, you are free to close your TNQ Account in accordance with Clause 17.1 of these Terms. If we do not hear from you, we will assume that you have accepted the change and your continued access to or use of the TNQ Services will be deemed acceptance of the updated Terms.

  17. Closing Your TNQ Account
    1. Your Right to Close Your TNQ Account
      2. You may terminate your TNQ Account at any time by following the account termination procedures as prescribed by us from time to time. You will not be charged for terminating your TNQ Account.

      In certain cases, you may not be able to close your TNQ Account, including where:
      1. you are trying to evade an investigation by relevant authorities;
      2. you have a pending Transaction or an open Claim; and/or
      3. your TNQ Account is subject to a freeze, hold, limitation, or reserve.

    2. What Happens When Your Account is Closed
      3. If your TNQ Account is closed, you will be required to withdraw all Digital Assets or Fiat Currency held in your TNQ Account. In the event that you fail to withdraw your Digital Assets or Fiat Currency, or if you have not accessed your TNQ Account for a continuous period of ninety (90) days, we will send you notice of our intention to treat your account as dormant.

    3. What Happens When Your Account Becomes Dormant
      4. If you do not respond to the notice in Clause 17.2 within thirty (30) days, we may:
      1. mark your TNQ Account as a dormant account;
      2. convert the Digital Assets to a different type of Digital Assets. In doing so, we will not be liable for any loss of profit, tax obligations, or any other loss, damage, or expense incurred by you resulting from such conversion;
      3. transfer such dormant account and/or any Digital Assets held in that account to any third-party (including, without limitation, another TNQ Affiliate, any third-party custodian, or an isolated wallet) if we consider it is reasonably necessary to do so. If this happens, you have the right to retrieve your Digital Assets, subject to satisfying our (or the relevant third-party’s) reasonable verification requirements and any other applicable terms and conditions;
      4. adjust your dormant account such that you will receive a contractual claim on the quantity and type of Digital Assets, which were held on your TNQ Account before being converted into a dormant account;
      5. charge a dormant account fee which may be to cover the cost of maintaining the Digital Assets with any TNQ Affiliate or any third-party, with such fee to be withdrawn directly from the dormant account on a monthly basis; and/or
      6. close a dormant account at any time.

      After a dormant account is closed, it cannot be reactivated and you will need to register a new TNQ Account, in accordance with these Terms, if you wish to continue to use TNQ Services. You acknowledge that we will be under no obligation to pay any reward, incentive or interest which we might otherwise have agreed to pay, under the applicable Terms, to your dormant account in relation to the Digital Assets credited to it.

  18. Termination, Suspension, Holds, and Restrictions
    1. TNQ’s Rights
      2. We may at any time modify or discontinue, temporarily or permanently, any portion or feature of the TNQ Services. In particular, we may: (1) refuse to complete, block, cancel, or, where permitted by Applicable Law, reverse any Transaction you have authorised; (2) terminate, suspend, or restrict your access to any or all of the TNQ Services; (3) terminate, suspend, close, hold, or restrict your access to any or all of your TNQ Account(s); (4) refuse to transmit information or Instructions to third-parties (including but not limited to third-party wallet operators); and/or (5) take whatever action we consider necessary, in each case with immediate effect and for any reason including, but not limited to where:
      1. you are not, or are no longer, eligible to use TNQ Services;
      2. we reasonably suspect that:
        1. the person logged into your TNQ Account is not you, or we suspect that the TNQ Account has been or will be used for any illegal, fraudulent, or unauthorised purposes;
        2. the person logged into your TNQ Account is not a Permitted User, or we suspect that the TNQ Account has been or will be used for any illegal, fraudulent, or unauthorised purposes;
        3. more than one natural person has access to and/or transacts using the same TNQ Account, or we suspect that TNQ Account has been or will be used for any illegal, fraudulent, or unauthorised purposes;
        4. information provided by you is incorrect, untruthful, outdated, or incomplete;
      3. we have reasonable concerns in relation to your creditworthiness or financial status, including:
        1. if you are an individual, you become bankrupt, of unsound mind, commit an act of bankruptcy, or have actions commenced to place you in bankruptcy;
        2. in the event that you are acting on behalf of a partnership, any of the partners die, become bankrupt, or of unsound mind, commit an act of bankruptcy, or if actions are commenced to dissolve and/or alter the partnership or its constitution;
        3. in the event that you are acting on behalf of a corporation, the corporation is unable to pay its debts as and when they are due, or action is commenced to place the corporation in insolvency, judicial management, receivership, administrative management, or any similar or analogous proceedings;
        4. you convene a meeting of your creditors, or propose or make any compromise, arrangement, or assignment for the benefit of your creditors;
      4. pending submission of such information and documents in accordance with Clause 9;
      5. pending submission of Enhanced due diligence in accordance with Clause 7.4;
      6. we reasonably consider that we are required to do so by Applicable Law, or any court or authority to which we are subject in any jurisdiction;
      7. we have determined or suspect:
        1. that you have breached these Terms;
        2. that you have breached any express or implied warranties in these Terms, or any representations you have made;
        3. that any Transaction is unauthorised, erroneous, fraudulent, or unlawful or we have determined or suspect that your TNQ Account or the TNQ Services are being used in a fraudulent, unauthorised, or unlawful manner;
        4. there is any occurrence of money laundering, terrorist financing, fraud or any other crime in connection with your TNQ Account or your use of the TNQ Services;
      8. the use of your TNQ Account is subject to any pending, ongoing, or threatened litigation, investigation, or judicial, governmental, or regulatory proceedings and/or we perceive a heightened risk of legal or regulatory non-compliance associated with your TNQ Account activity;
      9. any email communication to your Email Account is returned as undeliverable;
      10. an issue has arisen with the verification of your identity; or
      11. there is any other valid reason which means we need to do so.

      We will take reasonable steps to provide you with appropriate notice. However, there might be times when we are required not to do so by Applicable Law.

  19. Your Acknowledgement
    1. You acknowledge and agree that:
      1. the examples set out in Clause 18.1 above of when we might take action to terminate, suspend, close, or restrict your access to your TNQ Account and/or the TNQ Services is a non-exhaustive list; and
      2. our decision to take certain actions, including, without limitations, to terminate, suspend, or restrict your access to your TNQ Account or the TNQ Services, may be based on confidential criteria that are essential to our risk management and security protocols. You agree that we are under no obligation to disclose the details of our risk management and security procedures to you.

    2. What Happens When We Exercise Our Right
      3. Where we terminate, suspend, hold, or restrict your access to one or more TNQ Services if you have Instructions or Transactions that are open, they may be closed by you or by us, depending on the circumstances of the termination, suspension, hold, restriction, or other action we take.

    3. Unlawful Possession
      4. If we are informed and reasonably believe that any Digital Assets or Fiat Currency held in your TNQ Account is stolen or otherwise are not lawfully possessed by you (whether by error or otherwise), we may, but have no obligation to, place a hold on the affected funds and your TNQ Account. Where we place a hold on some or all of any Digital Assets or Fiat Currency held in your TNQ Account, or on your entire TNQ Account, we may continue such hold until such time as evidence, acceptable to us, proves that you are entitled to possession of the Digital Assets and/or Fiat Currency held in your TNQ Account. We will not get involved in any dispute, or the resolution of the dispute, relating to any Digital Assets and/or Fiat Currency held in your TNQ Account.

    4. Access to TNQ Services in Other Jurisdictions
      5. Residents of some countries may only be able to access some, but not all, TNQ Services. We may change the TNQ Services that are available to you from time to time. If you travel to a location included on our List of Prohibited Countries, TNQ Services may not be available and your access to the TNQ Services may be blocked. You acknowledge that this may impact your ability to trade on the Platform and/or monitor any existing orders or open positions or otherwise use the TNQ Services. You must not attempt in any way to circumvent any such restriction, including by use of any virtual private network to modify your internet protocol address.

    20. Intellectual Property
  20. Background IP
    The TNQ IP shall remain vested in TNQ.

  21. Licence of TNQ IP
    We grant to you a non-exclusive licence for the duration of these Terms, or until we suspend or terminate your access to the TNQ Services, whichever is sooner, to use the TNQ IP, excluding the Trademarks, solely as necessary to allow you to receive the TNQ Services for non-commercial personal or internal business use, in accordance with these Terms.

  22. Licence of User IP
    1. Your Grant of Licence
      2. You grant to us a perpetual, irrevocable, royalty-free, worldwide, and non-exclusive licence to use the User IP to the extent it:
      1. forms part of, or is necessary for the use of, any Created IP; and
      2. is necessary to allow us to provide you with the TNQ Services, from time to time.

    2. Our Right to Sub-Licence
      3. The licence granted by you under this clause includes our right to sub-license to a third-party to the extent required to enable us and any TNQ Affiliates to provide you with the TNQ Services, or any part of them.

  23. Created IP
    1. Created IP
      2. The Created IP shall automatically vest in us from time to time on the date on which it is created.

    2. Assignment
      3. You hereby assign to us (and agree to procure that any agents, representatives, or contractors assign), with full title guarantee, title to all present and future rights and interests in the Created IP.

      If requested to do so, you shall (and agree to procure that any agents, representatives, or contractors shall), without charge to us, sign and/or execute all documents and do all such acts as we may require to perfect the assignments under this clause.

  24. General
    1. We Are Not Responsible
      2. You agree and acknowledge that:
      1. we are not responsible for any User Material (whether provided by you or by third-parties) which may be made available on the Platform or the Sites; and
      2. use of any such User Material is at your own risk and that we do not provide any warranties in relation to the same.

    2. Our Rights
      3. We shall have the right at our sole and absolute discretion to remove, modify, or reject any content that you submit to, post or display on the Platform or the Sites (including any User Material) for any reason. We reserve the right to take any actions as we deem appropriate at our sole discretion, including giving a written warning to you, removing any User Material, recovering damages, or other monetary compensation from you, suspending or terminating your TNQ Account (if any), or suspending your access to the Platform and/or the Sites. We shall also have the right to restrict or ban you from any and all future use of any TNQ Services.

    3. Recording
      4. You agree that we may record any communications, electronic, by telephone, over video call, or otherwise, that we have with you in relation to these Terms, and that any recordings that we keep will constitute evidence of the communications between you and us. You agree that telephone conversations and video calls may be recorded so that we can respond to inquiries, ensure compliance with applicable laws, improve our services and provide customer support.

    25. Your Obligations and Liability
  25. Prohibited Use
      By using any service or User Material made available on the Platform or the Sites, or opening a TNQ Account, and without prejudice to any other restriction or limitation set out in these Terms, you agree that you and any Permitted User will not:
      1. breach these Terms or any agreement entered into pursuant to, or in connection with, these Terms;
      2. use TNQ Services in a manner that violates public interests, public morals, or the legitimate interests of others, including any actions that interfere with, disrupt, negatively affect, or prevent other users from using TNQ Services;
      3. use TNQ Services for resale or commercial purposes, including transactions on behalf of other persons or entities, unless expressly agreed by us in writing;
      4. use the TNQ Services for anything which, in TNQ’s sole opinion, is conduct designed to control or artificially affect the price of any Digital Assets (market manipulation) including, without limitation, pump and dump schemes, wash trading, self-trading, front running, quote stuffing, and spoofing or layering, regardless of whether prohibited by Applicable Law;
      5. engage in fraudulent activities, or cause us to suspect that you or any Permitted User have engaged in fraudulent activities and/or Transactions;
      6. use TNQ Services to conduct lotteries, bidding fee auctions, sports forecasting or odds making, fantasy sports leagues with cash prizes, internet gaming, contests, sweepstakes, or games of chance;
      7. (1) receive, or attempt to receive, funds from both us and another user for the same Transaction during the course of a Claim; (2) conduct your business or use the TNQ Services in a manner that results in, or may result in, complaints, disputes, claims, reversals, chargebacks, fees, fines, penalties, or other liability to us, other users, third-parties, or yourself; and (3) allow your TNQ Account to have a negative value or quantity of Digital Assets;
      8. provide false, inaccurate, or misleading information in connection with your use of the TNQ Services, in communications with us, or otherwise connected with these Terms;
      9. (1) use any deep linking, web crawlers, bots, spiders, or other automatic devices, programs, scripts, algorithms, or methods or any similar or equivalent manual processes to access, obtain, copy, or monitor any part of the Platform, or replicate or bypass the navigational structure or presentation of TNQ Services in any way, in order to obtain or attempt to obtain any materials, documents, or information in any manner not purposely provided through TNQ Services; (2) attempt to access any part or function of the Platform without authorization, or connect to TNQ Services or any of our servers or any other systems or networks of any TNQ Services provided through the Platform by hacking, password mining, or any other unlawful or prohibited means; (3) probe, scan, or test the vulnerabilities of TNQ Services or any network connected to the Platform, or violate any security or authentication measures on TNQ Services or any network connected to TNQ Services; (4) reverse look-up, track, or seek to track any information of any other users or visitors of TNQ Services; (5) take any actions that impose an unreasonable or disproportionately large load on the infrastructure of systems or networks of TNQ Services or TNQ, or the infrastructure of any systems or networks connected to TNQ Services; (6) use any devices, software, or routine programs to interfere with the normal operation of TNQ Services or any transactions on TNQ Services, or any other person’s use of TNQ Services; or (7) forge headers, impersonate, or otherwise manipulate identification, to disguise your identity or the origin of any messages or transmissions you send to us;
      10. modify or adapt the whole or any part of the Platform or combine or incorporate the Platform into another program or application;
      11. disassemble, decompile, reverse-engineer, or otherwise attempt to derive the source code, object code underlying concepts, ideas, and algorithms of the Platform or any components thereof;
      12. modify, replicate, duplicate, copy, download, store, further transmit, disseminate, transfer, disassemble, broadcast, publish, remove, or alter any copyright statement or label, or licence, sub-license, sell, mirror, design, rent, lease, private label, grant security interests in such TNQ IP or any part of the intellectual properties, or create derivative works or otherwise take advantage of any part of the TNQ IP;
      13. facilitate any viruses, Trojan horses, worms, or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept, or expropriate any system, data or information in connection with the TNQ Services;
      14. (1) use an anonymizing proxy; (2) use any temporary, disposable, self-destructive, or similar email address when opening a TNQ Account and/or using the TNQ Services; (3) use any device, software, or routine to bypass our robot exclusion headers, or interfere or attempt to interfere with our Sites or the TNQ Services; and (4) take any action that may cause us to lose any of the services from our internet service providers, or other suppliers;
      15. create, or purport to create, any security over your Digital Assets or Fiat Currency held in any of your TNQ Account without our prior written consent;
      16. violate, or attempt to violate, (1) any Applicable Law; or (2) ours or any third-party’s copyright, patent, trademark, trade secret, or other intellectual property rights, or rights of publicity or privacy; and/or
      17. access, use, or attempt to access or use, TNQ Services directly or indirectly with (1) jurisdictions TNQ has deemed high risk, (2) persons TNQ has deemed high risk, including but not limited to, individuals or entities named as Restricted Person or party on any list maintained by the United Nations (UN), and the Financial Action Task Force (FATF).

  26. Representations and Warranties
    You hereby represent and warrant to us, at all times, the following:
    1. all documents and information you provide to us are true, accurate, complete, and up to date in all respects, and may be relied upon by us in determining whether or not you are eligible to access the Platform or to use the TNQ Services;
    2. all decisions made in connection with these Terms were solely and exclusively based on your own judgement and after your own independent appraisal of your financial resources, ability, and willingness to take relevant risks and financial objectives;
    3. you have full power, authority, and capacity to (1) access and use the Platform and/or the TNQ Services; and (2) enter into and deliver, and perform your obligations under these Terms and any agreement entered into pursuant to or in connection with, these Terms;
    4. if you are a corporation, partner in a partnership, or trustee of a trust: (1) the corporation, partnership, or trust has and will be operated in a way that is compliant with Applicable Law and any partnership or trust deeds (or other like documents); (2) you will notify us immediately if there is any change, by way of resignation, removal, appointment, or death, of any of the directors, partners, trustees, settlor(s) or ultimate beneficial owners, or any person authorised to operate your TNQ Account; and (3) you will inform us immediately if the corporation, partnership, or trust is dissolved either on a voluntary or involuntary basis;
    5. all consents, permissions, authorizations, approvals, and agreements of third-parties and all authorizations, approvals, permissions, consents, registrations, declarations, filings with any Regulatory Authority, governmental department, commission, agency, or other organisation having jurisdiction over you which are necessary or desirable for you to obtain in order to: (1) access and use the Platform and/or the TNQ Services; and (2) enter into and deliver, and perform the Transactions contemplated under these Terms and any agreement entered into pursuant to, or in connection with, these Terms, have been unconditionally obtained in writing, disclosed to us in writing, and have not been withdrawn or amended;
    6. these Terms and any agreement entered into pursuant to, or in connection with, these Terms constitute valid and legally binding obligations, enforceable against you in accordance with their respective terms;
    7. that you are not a Restricted Person;
    8. if you are a legal entity, you are duly incorporated, duly organised, and validly existing under the laws of your jurisdiction and have full power to conduct your business. If you are an individual, you are at least 18 years old; and
    9. your access and use of the Platform and/or the TNQ Services, your execution and delivery of, and the performance of your obligations under these Terms and any agreement entered into pursuant to, or in connection with, these Terms, will not (1) if you are a legal entity, partner in a partnership or trustee of a trust result in a breach of or conflict with any provision of your constitution, articles of association, partnership agreement, trust deed, or equivalent constitutive documents; (2) result in a breach of, or constitute a default under, any instrument, agreement, document, or undertaking to which you are a party or by which you or any of your property is bound or subject; and (3) result in you, or cause us or any third-party to, breach any Applicable Law, decree or judgement of any court, or any award of any arbitrator or those of any governmental or Regulatory Authority in any jurisdiction.

  27. Technology Disclaimers
    1. No Representation or Warranty
      2. TNQ Services and any information provided on the Sites and the Platform, including Chat Services, are provided on an “as is” and “as available” basis without any representation or warranty, whether express or implied, to the maximum extent permitted by Applicable Law. Specifically, we disclaim any implied warranties of title, merchantability, fitness for a particular purpose and/or non-infringement. We do not make any representations or warranties that access to the Sites, the Platform, any of your TNQ Account(s), TNQ Services, or any of the materials contained therein, will be continuous, uninterrupted, timely, or error-free. This could result in the inability to trade on the Platform for a period of time and may also lead to time delays.

    2. Suspension of Access
      3. We may, from time to time, suspend access to your TNQ Account and/or the TNQ Services, for both scheduled and emergency maintenance. We will make reasonable efforts to ensure that Transactions on the Platform are processed in a timely manner, but we make no representations or warranties regarding the amount of time needed to complete processing, which is dependent upon many factors outside of our control.

    3. Content
      4. Although we make reasonable efforts to update the information on the Sites and the Platform, we make no representations, warranties, or guarantees, whether expressed or implied, that the content on the Sites and the Platform, including information in relation to the TNQ Services, is accurate, complete or up to date.

    4. Third-Party Websites
      5. Links to third-party websites (including, without limitation, content, materials, and/or information in the third-party websites) may be provided as a convenience but they are not controlled by us. You acknowledge and agree that we are not responsible for any aspect of the content, materials, information, or services contained in any third-party websites accessible or linked from the Platform or the Sites.

    5. Network Access and Compatibility
      6. You are responsible for obtaining the data network access necessary to use the TNQ Services. You are responsible for acquiring and updating compatible hardware or devices necessary to access and use the TNQ Services and Sites and any updates thereto. TNQ does not guarantee that the TNQ Services, or any portion thereof, will function on any particular hardware or devices. The TNQ Services may be subject to malfunctions and delays inherent in the use of the internet and electronic communications.

  28. Indemnity
    1. Third-Party Claims
      2. You shall indemnify and hold harmless us from and against any claims, suits, actions, demands, disputes, allegations, or investigations brought by any third-party, governmental authority, or industry body, and all claims, liabilities, damages (actual and consequential), losses (including any direct, indirect or consequential losses, loss of profit, loss of reputation), costs, and expenses, including without limitation all interest, penalties, and legal and other reasonable attorneys’ fees and other professional costs and expenses (“Losses”), arising out of or in any way connected with:
      1. your access to or use of your TNQ Account and/or the TNQ Services;
      2. your breach or alleged breach of these Terms or your contravention of any other clause or sub-clause of these Terms and any other terms and conditions incorporated by reference;
      3. your contravention of any Applicable Law; and
      4. your violation of the rights of any third-party.

    2. Control
      3. We reserve the right to assume control of the defence of any third-party claim that is subject to indemnification by you, in which event you shall cooperate as fully required by us in asserting any available defences. You will not settle any claims or Losses without our prior written consent.

    3. Release
      4. You hereby agree to release us from any and all claims and demands (and waive any rights you may have against us in relation to any Losses you may suffer or incur), arising directly or indirectly out of or in connection with any dispute that you have with any other user or other third-party in connection with the TNQ Services (including any Digital Asset Transactions) or the subject matter of these Terms.

  29. Liability
    1. Our Liability
      2. Our liability, and the liability of the TNQ Affiliates, to you or any third-parties in any circumstance is limited to the actual amount of loss or damage which is caused directly and is reasonably foreseeable by our breach of these Terms and shall in no event exceed the amount of fees paid by you to TNQ in thirty (30) days preceding the event giving rise to the Loss. Such sum shall be paid by us to you in full and final settlement and satisfaction of ours and any TNQ Affiliate’s entire liability for any and all losses and claims, howsoever arising, from the relevant breach. You acknowledge and agree that neither TNQ nor any TNQ Affiliate is aware of any special circumstances pertaining to you, and that damages are an adequate remedy and that you shall not be entitled to any other claims or remedies at law or in equity, including but not limited to, any claim in rem, injunction, and/or specific performance.

    2. Limitations on Liability
      3. Notwithstanding any other clause in these Terms, in no event will we or any TNQ Affiliate be responsible or liable to you or any other person or entity for:
      1. any direct or indirect losses (including loss of profits, business or opportunities), damages, or costs arising out of or in connection with these Terms, including but not limited to:
        1. any risk identified in the Risk Warning Statement, as updated from time to time;
        2. the operation of the protocols underlying any Digital Assets, their functionality, security, or availability;
        3. any action or inaction in accordance with these Terms;
        4. any inaccuracy, defect, or omission of Digital Assets price data, any error or delay in the transmission of such data, and interruption in any such data;
        5. regular or unscheduled maintenance we carry out including any service interruption and change resulting from such maintenance;
        6. the theft of a device enabled to access and use TNQ Services;
        7. other users’ actions, omissions, or breaches of these Terms, and any damage caused by actions of any other third-parties;
        8. (1) for any damage or interruptions caused by any computer viruses, spyware, or other malware that may affect your computer or other equipment, or any phishing, spoofing, or other attack; (2) in the event that your hardware fails, is damaged or destroyed or any records or data stored on your hardware are corrupted or lost for any reason; or (3) for your use of the internet to connect to the TNQ Services or any technical problems, system failures, malfunctions, communication line failures, high internet traffic or demand, related issues, security breaches, or any similar technical problems or defects experienced;
        9. our decision to reject your application to open a TNQ Account(s), in accordance with Clause 7.1;
        10. any termination, suspension, hold or restriction of access to any TNQ Account or TNQ Services, including your inability to withdraw Digital Assets, issue Instructions, or enter into Transactions during the period of any suspension, hold, or restriction, in accordance with these;
        11. any Transaction limits applied to your TNQ Account, in accordance with Clause ‎12.1;
        12. any election by us to support or not support Digital Assets, in accordance with Clause 13.1;
        13. us being unable to contact you using the contact information you provided, in accordance with Clause 3.2;
        14. us closing a dormant account, in accordance with Clause 17.3;
        15. the failure of a Transaction or the length of time needed to complete any Transaction, in accordance with Clause 10.1;
        16. the market-making activities of the market makers, in accordance with Clause 11.2;
        17. our reliance on any Instruction sent from your TNQ Account, or the Email Accounts;
        18. our refusal or delay in acting upon any Instruction, in accordance with Clause 8.1;
        19. any breach of security of your Email Account or a Security Breach;
        20. losses caused to you by third-party fraud or scams that involve TNQ only as the recipient of your Digital Assets or Fiat Currency, and/or the conversion of Fiat Currency to Digital Assets, and/or the transfer of Digital Assets away from our platform at your request;
        21. any losses arising or in connection with offerings of Digital Assets, or the decision to list or not list Digital Assets on the Platform;
        22. the correctness, quality, accuracy, security, completeness, reliability, performance, timeliness, pricing, or continued availability of the TNQ Services or for delays or omissions of the TNQ Services, or for the failure of any connection or communication service to provide or maintain your access to the TNQ Services, or for any interruption in or disruption of your access or any erroneous communications between us, regardless of cause; and
        23. any Transactions, Instructions, or operations effected by you or purported to be affected by you through your Email Account or TNQ Account;
      2. any loss of business, profits, anticipated savings, or opportunities, or any special, punitive, aggravated, incidental, indirect, or consequential losses or damages, whether arising out of or in connection with our Sites, the Platform, your TNQ Account, the TNQ Services, these Terms, the Privacy Policy and/or any agreement entered into pursuant to, or in connection with, these Terms or otherwise; and/or
      3. any losses forming part of a Claim that has not been commenced by way of formal legal action within thirty (30) days of the matters giving rise to the Claim. You agree and acknowledge that this clause varies any limitation period otherwise applicable by law, and that if applicable law prohibits this, this clause will be read as a limitation period of the minimum enforceable length. Without prejudice to the generality of the foregoing, your attention is also drawn to Clause 30, which stipulates that Claims shall be resolved exclusively by way of binding arbitration.

    3. Damage or Interruption
      4. We are not liable for any damage or interruptions caused by any computer viruses, spyware, scareware, Trojan horses, worms, or other malware that may affect your computer or other equipment, or any phishing, spoofing, or other attack. We advise the regular use of reputable and readily available virus screening and prevention software. You should also be aware that SMS and email services are vulnerable to spoofing and phishing attacks and should use care in reviewing messages purporting to originate from us. You and, where relevant, your Permitted Users are responsible for all login credentials, including usernames and passwords and must keep security details safe at all times.

      RESOLVING DISPUTES: ARBITRATION, CLASS ACTION WAIVER

      For the avoidance of doubt, nothing in this section will deprive you of any mandatory legal right from which you benefit under Applicable Law.

  30. Notice of Claim and Dispute Resolution Period
    1. Please contact TNQ first if you have any concerns with TNQ Services. TNQ wants to address your concerns without resorting to formal legal proceedings, if possible. A ticket number will be assigned to you if your concerns cannot be addressed to your satisfaction at the first instance. The issuance of the ticket number commences the internal dispute resolution procedure. TNQ will attempt to resolve the dispute internally as soon as possible. The parties agree to negotiate in good faith to resolve the dispute (which discussions shall remain confidential and be subject to applicable rules protecting settlement discussions from use as evidence in any legal proceeding).

    2. In the event the dispute cannot be resolved satisfactorily, and you wish to assert a Claim against TNQ, then you agree to set forth the basis of such Claim in writing in a “Notice of Claim,” as prior notice to TNQ. The Notice of Claim must:
      1. describe the nature and basis of the claim or dispute;
      2. set forth the specific relief sought;
      3. provide the original ticket number; and
      4. include your account email.

      The Notice of Claim should be emailed to [email protected]. After you have provided the Notice of Claim to TNQ, the dispute referenced in the Notice of Claim may be submitted to arbitration by either TNQ or you in accordance with Clause 31 below.

    3. For the avoidance of doubt, the submission of a dispute to TNQ for internal resolution and delivering a Notice of Claim to TNQ are prerequisites for commencing arbitration (or any other legal proceeding).

    4. During the arbitration, the amount of any settlement offer made by you or TNQ shall not be disclosed to the arbitrator.

  31. Agreement to Arbitrate
    1. Aside from where Applicable Law requires or provides you with a choice otherwise, you and TNQ agree that subject to the immediately preceding clause above (Notice of Claim and Dispute Resolution Period), any Claim shall be determined by mandatory final and binding individual (not class) arbitration administered by the Asia International Arbitration Centre (“AIAC”) in accordance with the AIAC Rules for the time being in force, which rules are deemed incorporated by reference in this clause.

    2. The seat of arbitration shall be in Malaysia.

    3. The Tribunal shall consist of one (1) arbitrator to be appointed in accordance with the AIAC Rules for the time being in force.

    4. The language of the arbitration shall be in English.

    5. You and TNQ further agree that the arbitrator shall have the exclusive power to rule on his or her own jurisdiction, including without limitation any objections with respect to the existence, scope or validity of the Agreement to Arbitrate, or the arbitrability of any Claim.

    6. The arbitration provisions set forth in this clause will survive termination of these Terms.

    7. Limitation Period for Filing
      8. Any arbitration against TNQ must be commenced by filing and serving a Notice of Arbitration in accordance with the AIAC Rules within three (3) years after the date that the user asserting the Claim first found out or reasonably should have found out the alleged act, omission or default giving rise to the Claim (“Limitation Period”). For the avoidance of doubt, the Limitation Period shall include the Dispute Resolution Period set out at Clause 31.1. There shall be no right to any remedy or relief for any Claim by the user if the Notice of Arbitration in respect of that Claim is not filed and served on TNQ within that Limitation Period. If the Limitation Period is contrary to applicable law, the user shall be required to bring any Claim against TNQ within the shortest time period permitted by the applicable law. A Notice of Arbitration may be served on TNQ in accordance with the Applicable Laws and rules of service.

    8. Notice
      9. If TNQ commences arbitration against you, TNQ will give you notice at the email address or mailing address you have provided. You agree that any notice sent to this email or mailing address shall be deemed effective for all purposes, including without limitation to determinations of the adequacy of service. It is your obligation to ensure that the email address and/or mailing address on file with TNQ is up-to-date and accurate.

  32. Confidentiality
    1. The Parties Agree That the Arbitration Shall Be Kept Confidential
      2. The existence of the arbitration, the existence, or content of the Claim, all documents, and information provided or exchanged in connection with the arbitration, and any submissions, orders, or awards made in the arbitration shall be kept confidential and no party shall disclose any of the foregoing to any third-party except the tribunal, the AIAC, the parties, their counsels, experts, witnesses, accountants and auditors, insurers and reinsurers, and any other persons necessary to the conduct of the arbitration. Notwithstanding the foregoing, a party may disclose such confidential information:
      1. if the written consent of the other party is obtained;
      2. to the extent required by applicable law or by the regulations of any regulatory or supervisory authority of competent jurisdiction to which the party is or may become subject to or pursuant to any order of court or other competent authority or tribunal of competent jurisdiction;
      3. in connection with the commencement, pursuit or defence by a party of any bona fide legal proceedings to enforce or challenge any award rendered in the arbitration; and
      4. to the extent that the relevant confidential information is in the public domain otherwise than by breach of this agreement.

    This term of confidentiality in this clause shall survive termination of these Terms and conclusion or stay of any arbitration brought pursuant to these Terms.

  33. Governing Law
    34. Aside from where Applicable Law requires or provides you with a choice otherwise, these Terms (including this arbitration agreement) shall be governed by, and construed in accordance with, the laws of Labuan.

  34. Class Action Waiver
    35. You and TNQ agree that any Claims shall be brought against TNQ in an arbitration on an individual basis only and not as a plaintiff or class member in a purported class or representative action. You further agree to waive any right for such Claims to be brought, heard, or arbitrated as a class, collective, representative, or private attorney general action, to the extent permissible by Applicable Law. Combining or consolidating individual arbitrations into a single arbitration is not permitted without the consent of TNQ.

    General
  35. General Terms
    1. Proper Use
      2. You agree that you are responsible for your own use of the Website, for any Submission you make, and for any consequences thereof. You agree that you will use the Website in compliance with all applicable local, state, national, and international laws, rules, and regulations, including, but not limited to, any laws regarding the transmission of technical data exported from your country of residence and all applicable Labuan laws.

    2. Applicable Law
      3. You and any Permitted User must comply with all Applicable Laws, licensing requirements, and third-party rights (including data privacy laws and anti-money laundering and countering the financing of terrorism laws) in your use of the TNQ Services, your TNQ Account, and the Platform.

    3. Notices
      4. We may give notice by email to your Email Account. It is your responsibility to ensure that the Email Account is up-to-date and accurate. Notices may be given, and are deemed to be received if sent to your Email Account, whether or not a notice of delivery failure is received.

      You may give us notices only as we direct, which may change from time to time.

      Any notices, consent or other communication given under these Terms must be in writing, in English, and signed or otherwise authorised by the party giving them.

    4. Announcements
      5. All official announcements, news, promotions, competitions, and airdrops will be listed on the Website. These announcements are important and may relate to issues that may impact the value of your Digital Assets, or their security. You are responsible for monitoring the Website and reading and considering these announcements.

    5. Entire Agreement
      6. The Terms constitute the whole agreement between you and us with respect to the TNQ Services. Each party acknowledges that it has not relied on and shall have no right or remedy in respect of, any statement, representation, assurance, or warranty (whether made negligently or innocently) other than those expressly set out in the Terms.

    6. Assignment
      7. You may not assign or transfer any of your rights or obligations under the Terms without our prior written consent. However, we may assign or transfer any of our rights or obligations under the Terms at any time to anyone else, including, without limitation, in connection with any merger, acquisition, or other corporate reorganisation involving TNQ.

    7. Invalidity
      8. If, at any time, any clause or sub-clause of the Terms is or becomes illegal, invalid, or unenforceable in any respect, neither the legality, validity, or enforceability of the remaining clauses or sub-clauses will in any way be affected or impaired.

    8. Records
      9. You agree that we may record any telephone, email, and chat conversations with you, as well as any other forms of communications, including communication used to give Instructions or effect Transactions, between you and us, and that the recordings may be used as evidence in any proceedings relating to any agreement with you. These records will be our sole property.

    9. Language
      10. These Terms may be translated into a language other than the English language. Any such translation is provided solely for your convenience. In the event of inconsistency or ambiguity, the English text will prevail.

    10. Third-Party Rights
      11. Other than in relation to TNQ Affiliates, nothing expressed or referred to in these Terms will be construed to give any person other than the parties to these Terms any legal or equitable right, remedy, or claim under or with respect to these Terms or any clause or sub-clause of these Terms. The Terms and all of its clauses and sub-clauses are for the sole and exclusive benefit of the parties to these Terms and their successors and permitted assigns.

    11. Survival
      12. All clauses and sub-clauses of these Terms, which by their nature extend beyond the expiration or termination of these Terms, will continue to be binding and operate after the termination or expiration of these Terms.

    12. Relationship of the Parties
      13. TNQ is not an agent of you in the performance of these Terms. These Terms shall not be interpreted as facts or evidence of an association, joint venture, partnership, or franchise between the parties.

    13. Force Majeure
      14. We will not be liable for any delay or failure to perform as required by these Terms to the extent the delay or failure is caused by a Force Majeure Event.

    14. No Waiver
      15. No delay or omission by us in exercising any right or remedy under the Terms will operate as a waiver of the future exercise of that right or remedy or of any other rights or remedies under the Terms. The rights and remedies provided in the Terms are cumulative and not exclusive of any rights or remedies provided by Applicable Law.

    15. Privacy of Others
      16. If you receive information about another user through the Platform or from utilising the TNQ Services, you must keep the information confidential and only use it in connection with the TNQ Services and always in accordance with Applicable Law. You must not disclose or distribute any user information to a third-party or use the information in any manner except as reasonably necessary to affect a Transaction.

    16. Publication of Breaches
      17. Where you have breached these Terms, TNQ may publish, or otherwise provide its users with details of the breach, including any information that you have provided TNQ. TNQ may only do so where it determines that doing so is necessary for the protection of other users, and consistent with Applicable Law.

    17. Death of TNQ Account Holder
      18. In the event of your death or incapacity, the representative(s) of your estate or the survivor or survivors must give us written notice as soon as practicable. If we have reason to believe you have died, we may suspend your TNQ Account. Your TNQ Account will be suspended until:
      1. a representative of your estate or authorised beneficiary either:
        1. creates a TNQ Account in accordance with these Terms; or
        2. provides wire transfer instructions;
      2. provides sufficient legal documentation that they are entitled to receive the assets in your TNQ Account; and/or
      3. you provide satisfactory proof that you are not deceased.

      Beneficiaries receiving a wire transfer will receive the liquidated value of the assets in the TNQ Account, less any fees and costs associated with the transfer. Our ability to provide your representative(s) with the assets in your TNQ Account is subject to the restrictions imposed by Applicable Law and these Terms. We do not commit to any particular timeline for the transfer of assets held to the credit of your TNQ Account.

    18. Tax
      19. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is your responsibility to collect, report, and remit the correct tax to the appropriate tax authority. You agree that we are not responsible for determining whether any taxes apply to your use of the TNQ Services, or for collecting, reporting, or remitting any taxes arising from any Transaction or use of the TNQ Services.

      You acknowledge that we may make certain reports to tax authorities regarding Transactions made on the Platform and that we may, in our sole discretion or as required by Applicable Law, provide you with additional documentation or records needed by you to calculate any tax obligations. We may also withhold and deduct at source any taxes due under Applicable Law in our sole discretion.