Global Terms and Conditions

1. Definitions

In these Global Terms:

“Goat Finance”, “we”, “us” or “our” means the applicable Goat Finance contracting entity, or the Goat Finance multilateral organization where the context refers to group-wide policies, shared resources, onboarding, eligibility, routing, governance or website operation.

“Goat Finance entity” means any legal entity within the Goat Finance organization, including Goat Finance SAGL, Goat Finance LLC, or any other Goat Finance entity that may be added from time to time.

“You” or “your” means any applicant, user, website visitor, customer, prospective customer, legal entity, individual, authorized representative, beneficial owner, controller, director, officer, signatory or other person accessing or using Goat Finance services or interacting with Goat Finance.

“Global Terms” means these Goat Finance Global Terms and Conditions.

“Entity Terms” means the terms, disclosures or legal supplement applicable to a specific Goat Finance entity, including Goat Finance SAGL Terms and Conditions or Goat Finance LLC Terms and Conditions.

“Product Terms” means the terms of use, disclosure, service agreement, product schedule, partner disclosure or signed agreement applicable to a specific product, service, feature, route or partner framework.

“AUP” means the Goat Finance Global Acceptable Use Policy.

“Privacy Documents” means the Goat Finance Global Privacy Policy, the applicable Phase 1 Privacy Notice, the applicable entity Privacy Notice and any service-specific privacy or partner data-sharing section presented to you.

“Services” means any product, service, website, platform, onboarding process, portal, account feature, transaction flow, communication channel or other functionality made available by Goat Finance, subject to eligibility and applicable terms.

2. Scope of These Global Terms

These Global Terms apply to:

1. access to and use of Goat Finance websites, portals, onboarding flows, platforms and communication channels;

2. Phase 1 pre-onboarding, eligibility assessment, screening and routing;

3. Phase 2 onboarding and service activation, where applicable;

4. general customer obligations;

5. electronic acceptance and communications;

6. general compliance, monitoring, information and documentation obligations;

7. the relationship between global terms, entity terms, product terms, disclosures and policies;

8. Goat Finance’s general rights to reject, restrict, suspend, block, hold, freeze, return funds, terminate access or end a relationship where required or appropriate.

These Global Terms are general. They do not replace Entity Terms, Product Terms, partner disclosures, signed agreements, privacy notices, the AUP or risk disclosures.

3. No General Availability, Offer or Solicitation

Publication of these Global Terms, any legal document, any product description or any information on the Goat Finance website does not mean that any product or service is available to you or in your jurisdiction.

Nothing in these Global Terms constitutes:

1. an offer of services;

2. a solicitation;

3. a financial promotion;

4. an invitation to transact;

5. investment advice;

6. legal advice;

7. tax advice;

8. a representation that you are eligible to use any Goat Finance product or service.

All products and services are subject to onboarding, eligibility assessment, compliance approval, applicable law, product availability, entity routing and, where relevant, partner approval.

Goat Finance may restrict the visibility, availability or content of product information based on jurisdiction, user status, onboarding stage, customer type, risk profile, partner restrictions or applicable law.

4. Single Website and Regional Domain Redirection

Goat Finance may publish its website, legal hub, terms, policies, disclosures and customer communications on its primary website:

https://goatfinance.io

Regional domains, including .ch, .us, .ca, .lt or any other Goat Finance regional domain, may redirect to the primary website.

A regional domain redirection does not determine or change your contracting entity, applicable law, product availability, privacy controller, service route or customer status.

Your contracting entity is determined through onboarding, eligibility assessment, product route, entity-specific terms, product terms, transaction confirmation, customer profile or other written communication from Goat Finance.

5. Document Hierarchy

Your relationship with Goat Finance may be governed by several documents.

These may include:

1. these Global Terms;

2. the applicable Entity Terms;

3. the applicable Product Terms;

4. the Goat Finance Global Privacy Policy;

5. the applicable Phase 1 Privacy Notice;

6. the applicable entity Privacy Notice;

7. any service-specific privacy or partner data-sharing section;

8. the Goat Finance Global Acceptable Use Policy;

9. the Goat Finance Digital Asset Risk Disclosure;

10. any fee schedule;

11. any partner-specific disclosure, acknowledgment or restriction;

12. any signed agreement, service agreement, product schedule, HoT, membership agreement or similar document.

If there is a conflict between documents, the following hierarchy applies, unless the relevant document expressly states otherwise:

1. mandatory applicable law;

2. signed agreements for the relevant product or relationship;

3. partner-required terms or restrictions applicable to the relevant product or service;

4. Product Terms for product-specific matters;

5. Entity Terms for entity-specific matters;

6. the AUP for acceptable use, restrictions and prohibited activity matters;

7. these Global Terms for general matters;

8. general website or informational materials.

Privacy notices are disclosures, not ordinary contractual terms. You may be asked to acknowledge that you have received and reviewed them.

6. Acceptance of Terms and Acknowledgment of Privacy Documents

You may be required to accept these Global Terms, Entity Terms, Product Terms, the AUP, risk disclosures, fee schedules or partner disclosures electronically.

Electronic acceptance may include:

1. clicking “I Agree”, “Accept”, “Continue” or an equivalent button;

2. ticking a checkbox;

3. signing electronically;

4. confirming through a platform action;

5. submitting a form;

6. continuing to use a service after being presented with the applicable terms;

7. providing written confirmation through an approved communication channel.

Electronic acceptance has the same effect as signing a written agreement, to the maximum extent permitted by applicable law.

You may also be required to acknowledge that you have been provided with access to the applicable Privacy Documents.

Goat Finance may retain electronic records of your acceptance or acknowledgment, including:

1. document name;

2. document version;

3. date and time;

4. user ID;

5. customer ID;

6. IP address;

7. device information;

8. user agent;

9. session data;

10. country detected or declared;

11. acceptance or acknowledgment text;

12. documents presented to you.

If you do not accept the required terms or acknowledge the required notices, you must not use the relevant service.

7. Phase 1 and Phase 2 Onboarding

Goat Finance operates a two-phase onboarding model.

7.1 Phase 1 — Pre-Onboarding, Eligibility and Routing

Phase 1 is the pre-onboarding, eligibility, screening and routing process.

During Phase 1, Goat Finance may collect information to determine, among other things:

1. who you are;

2. where you are located or incorporated;

3. what product or service you are requesting;

4. whether you fall within Goat Finance’s risk appetite;

5. whether any jurisdiction, industry, occupation, sanctions or product restriction applies;

6. whether a Goat Finance entity may provide the requested product or service;

7. whether a partner-supported route may apply;

8. whether enhanced due diligence or additional documents are required.

Completion of Phase 1 does not create a customer relationship, account, entitlement, contractual right, right to transact, or right to access any product or service.

Goat Finance may decline, reject or discontinue a Phase 1 application at any time.

7.2 Phase 2 — Product-Specific Onboarding and Service Activation

Phase 2 begins only if Goat Finance determines that you may proceed to product-specific onboarding with a specific Goat Finance entity.

During Phase 2, Goat Finance may require:

1. additional KYC, KYB, customer due diligence or enhanced due diligence;

2. source of funds and source of wealth information;

3. sanctions, PEP, adverse media, fraud and blockchain analytics screening;

4. bank account, wallet or payment method verification;

5. partner approval, where applicable;

6. acceptance of Entity Terms and Product Terms;

7. acknowledgment of applicable Privacy Documents;

8. acceptance of the AUP, risk disclosures and fee schedules;

9. execution of signed documentation where required.

No product or service will be activated unless Goat Finance confirms that all applicable onboarding, compliance, approval, document and acceptance requirements have been satisfied.

8. Contracting Entity and Entity Terms

The applicable Goat Finance contracting entity is determined through onboarding, eligibility assessment, product route, customer profile, transaction confirmation, entity-specific terms or written communication from Goat Finance.

The applicable Entity Terms may identify:

1. the contracting entity;

2. its registered address;

3. its registration or regulatory status;

4. its contact details;

5. its legal framework;

6. its governing law;

7. its dispute resolution forum;

8. entity-specific limitations;

9. entity-specific privacy information;

10. entity-specific partner or regulatory disclosures.

Approval by one Goat Finance entity does not mean approval by another Goat Finance entity.

A customer may, in some cases, have different relationships with different Goat Finance entities for different products or services.

9. Product Terms and Product-Specific Disclosures

Each product or service may be governed by separate Product Terms.

Product Terms may include, among others:

1. Terms of Use for crypto-fiat exchange;

2. settlement disclosures;

3. partner-enabled account terms;

4. partner-enabled financial infrastructure terms;

5. payment or multicurrency account terms;

6. affiliate, sub-client, linked business, linked member or end-user disclosures;

7. service schedules;

8. signed agreements;

9. partner-required acknowledgments;

10. service-specific privacy and partner data-sharing sections.

Product Terms will apply only if the relevant product or service is requested, approved, offered and activated for you.

Approval for one product does not imply approval for another product.

Goat Finance may require additional Product Terms, disclosures, signed agreements or partner approvals at any time before activating or continuing a product or service.

10. Customer Information and Representations

You represent and warrant that all information, documents and declarations provided to Goat Finance are complete, accurate, truthful, current and not misleading.

You agree to promptly notify Goat Finance of any material change to:

1. identity information;

2. contact information;

3. residential address;

4. business address;

5. incorporation or registration details;

6. beneficial ownership or control;

7. directors, officers, representatives or signatories;

8. source of funds;

9. source of wealth;

10. occupation;

11. business activity;

12. transaction purpose;

13. expected transaction activity;

14. bank account ownership;

15. wallet ownership;

16. jurisdictional exposure;

17. sanctions exposure;

18. risk profile;

19. any other information relevant to your relationship with Goat Finance.

You must not provide false, forged, altered, incomplete, misleading or inconsistent information.

You must not attempt to conceal your identity, ownership, control, location, residence, source of funds, source of wealth, transaction purpose, counterparty or beneficial interest.

11. Authority to Act

If you act on behalf of a legal entity or another person, you represent and warrant that:

1. you are authorized to act on their behalf;

2. you are authorized to provide information and documents to Goat Finance;

3. you are authorized to accept or sign applicable terms and agreements;

4. you are authorized to give instructions;

5. the information you provide about that person or entity is accurate and complete;

6. you have provided any privacy notice or obtained any consent required by applicable law.

Goat Finance may request evidence of authority at any time.

Goat Finance may reject, suspend or terminate access where authority cannot be verified to its satisfaction.

12. Ongoing Monitoring and Enhanced Due Diligence

Being accepted as a customer does not mean that your relationship, transactions, products or access will continue without further review.

Goat Finance may conduct ongoing monitoring at any time.

Goat Finance may request additional information, documents, explanations or evidence:

1. during Phase 1;

2. during Phase 2;

3. before activating a service;

4. before processing a transaction;

5. during transaction monitoring;

6. after a transaction;

7. during periodic review;

8. when your activity changes;

9. when your risk profile changes;

10. when required by law, regulator, partner, bank, payment provider, liquidity provider, blockchain analytics provider, court or law enforcement authority.

Goat Finance may apply enhanced due diligence, senior approval, limits, restrictions, manual review, ongoing monitoring or rejection based on risk.

Failure to provide satisfactory information may result in rejection, delay, suspension, restriction, termination, return of funds, freezing, blocking, refusal to process transactions or reporting to competent authorities where required or permitted by law.

13. Acceptable Use Policy

You must comply with the Goat Finance Global Acceptable Use Policy.

The AUP sets out Goat Finance’s restrictions relating to:

1. prohibited jurisdictions;

2. FATF high-risk jurisdictions;

3. sanctions-listed persons and restricted parties;

4. ownership, control and acting-on-behalf restrictions;

5. sanctions evasion and circumvention;

6. prohibited customers and user types;

7. prohibited industries and activities;

8. prohibited transaction behavior;

9. cryptoasset and digital asset restrictions;

10. platform, website and system misuse;

11. high-risk profiles;

12. restricted or enhanced-risk jurisdictions, industries and occupations;

13. wallet and blockchain analytics restrictions;

14. partner-derived restrictions;

15. product-specific restrictions.

Goat Finance may reject, delay, block, freeze, return, suspend, restrict or terminate any customer, transaction, product or service that breaches, or may breach, the AUP.

The AUP may be updated from time to time and may take effect immediately where required by law, regulation, sanctions controls, partner requirements, banking restrictions, financial crime controls, security requirements or Goat Finance’s risk appetite.

14. Compliance With Law and Partner Requirements

You agree to comply with all applicable laws, regulations, sanctions rules, tax obligations, reporting obligations, financial crime rules, terms, policies, disclosures and agreements that apply to your use of Goat Finance services.

Goat Finance may comply with any applicable law, regulation, regulator request, court order, law enforcement request, sanctions authority requirement, financial intelligence unit requirement, tax authority request, banking partner requirement, payment partner requirement, liquidity provider requirement, settlement provider requirement or other partner requirement.

Goat Finance may take any action it considers necessary or appropriate to comply with those requirements, including holding, delaying, rejecting, blocking, freezing, returning, cancelling or reporting a transaction or ending a relationship.

15. Holds, Rejections, Freezing, Returns and Termination

Goat Finance may suspend, restrict, reject, delay, hold, freeze, return, block, cancel, terminate or refuse any transaction, product, service, access, account feature, onboarding process or relationship where:

1. required by law, regulation, court order, regulator, law enforcement, sanctions authority, tax authority or financial intelligence unit;

2. required or requested by a partner, bank, payment provider, liquidity provider, settlement provider, technology provider or other service provider;

3. Goat Finance suspects fraud, money laundering, terrorist financing, proliferation financing, sanctions evasion, tax evasion, corruption or other unlawful activity;

4. you fail to provide requested information;

5. your information is inaccurate, incomplete, outdated, inconsistent, unverifiable or misleading;

6. your activity is inconsistent with your approved profile;

7. your jurisdiction, industry, occupation, wallet, counterparty, product, asset, payment method or transaction becomes restricted or prohibited;

8. transaction monitoring, wallet screening, blockchain analytics or sanctions screening identifies a risk;

9. a third-party provider cannot process the relevant activity;

10. operational, legal, blockchain, banking, payment, liquidity, settlement, security or technical issues arise;

11. you breach these Global Terms, Entity Terms, Product Terms, the AUP or any applicable policy or agreement;

12. continuing the relationship is outside Goat Finance’s risk appetite.

Where legally permitted and operationally practical, Goat Finance may provide notice of suspension, rejection, return or termination.

Goat Finance may be unable to provide reasons where restricted by law, regulation, sanctions controls, law enforcement, partner requirements, financial crime controls, security controls or risk management requirements.

16. Third-Party and Partner-Supported Services

Goat Finance may use third-party providers and partners to support onboarding, compliance, payments, settlement, liquidity, transaction monitoring, blockchain analytics, technology, customer support, reporting or other operational functions.

Third parties may include, among others:

1. banking partners;

2. payment partners;

3. settlement providers;

4. liquidity providers;

5. exchanges or trading venues;

6. KYC/KYB providers;

7. sanctions screening providers;

8. blockchain analytics providers;

9. fraud prevention providers;

10. cloud and technology providers;

11. CRM and communication providers;

12. auditors, lawyers and professional advisers;

13. infrastructure partners.

Unless expressly stated otherwise, your contractual relationship is with the applicable Goat Finance contracting entity, not with Goat Finance’s partners or service providers.

Partner-supported products or features may require additional Product Terms, partner disclosures, partner acknowledgments, information requests, partner approval, data-sharing disclosures or signed agreements.

Goat Finance may reject, suspend, restrict or terminate any product, feature or transaction where required by a partner or where partner approval is not obtained or is withdrawn.

17. No Advice

Goat Finance does not provide investment, financial, legal, tax, accounting, regulatory or trading advice unless expressly stated in a separate written agreement.

Any information provided by Goat Finance is for operational, informational or compliance purposes only.

You are solely responsible for determining whether any product, service, transaction or asset is appropriate for you and for obtaining independent legal, tax, financial, regulatory or professional advice where necessary.

18. Taxes and Reporting

You are solely responsible for determining and complying with your tax obligations, reporting obligations, accounting obligations and regulatory obligations in any jurisdiction that applies to you.

Goat Finance does not provide tax advice.

Goat Finance is not responsible for calculating, withholding, reporting or paying taxes on your behalf unless required by applicable law.

Goat Finance may provide information to tax authorities, regulators, courts, law enforcement authorities or other competent authorities where required or permitted by law.

19. Privacy and Data Protection

Goat Finance processes personal data in accordance with the Privacy Documents applicable to the relevant onboarding phase, contracting entity, product, service and jurisdiction.

The Privacy Documents may include:

1. the Goat Finance Global Privacy Policy;

2. the applicable Phase 1 Privacy Notice;

3. the applicable entity Privacy Notice;

4. any service-specific privacy or partner data-sharing section;

5. any partner-related privacy disclosure presented to you.

The Global Privacy Policy explains Goat Finance’s general privacy framework, including the multilateral structure, shared resources, Phase 1 and Phase 2 model, controller allocation, general data categories, general purposes, sharing, international transfers, retention, security and rights.

The applicable Phase 1 Privacy Notice applies to pre-onboarding, eligibility, screening and routing.

The applicable entity Privacy Notice applies where a Goat Finance entity becomes responsible for Phase 2 onboarding, service provision, transaction review, compliance monitoring and customer relationship management.

By using Goat Finance services, submitting information or continuing onboarding, you acknowledge that you have been provided with access to the applicable Privacy Documents.

20. Communications and Notices

You agree to receive communications, notices, disclosures, requests, transaction confirmations, policy updates and other documents electronically.

Electronic communications may be provided through:

1. the Goat Finance website;

2. a customer portal;

3. email;

4. platform messages;

5. online forms;

6. messaging channels;

7. electronic signature tools;

8. customer support channels;

9. any other communication method approved by Goat Finance.

You are responsible for maintaining accurate and current contact details.

A communication sent to the latest contact information provided by you may be treated as delivered, unless applicable law requires otherwise.

21. Platform, Website and Access Security

You must use Goat Finance websites, portals, platforms, onboarding flows, systems and communication channels only for lawful and approved purposes.

You are responsible for keeping your login details, devices, email accounts and communication channels secure.

You must notify Goat Finance immediately if you suspect unauthorized access, fraud, compromise, account takeover, phishing, identity theft or misuse.

You must not misuse Goat Finance systems, attempt unauthorized access, bypass onboarding or security controls, scrape, reverse engineer, interfere with availability, submit forged documents, impersonate another person or otherwise breach the AUP.

22. Fees and Charges

Fees, spreads, commissions, network fees, banking fees, payment fees, partner fees, investigation fees, return fees, transaction detail fees and other charges may apply depending on the product or service.

Fees may be disclosed through:

1. a fee schedule;

2. product terms;

3. transaction confirmation;

4. platform display;

5. email;

6. invoice;

7. signed agreement;

8. approved communication channel.

Goat Finance may deduct applicable fees from amounts payable to you, refunds, balances, settlements or transactions where permitted by applicable law and the applicable terms.

23. Service Availability and Changes

Goat Finance may modify, suspend, restrict, discontinue, replace or terminate any website, platform, onboarding flow, product, service, feature, asset, payment method, settlement method, partner route or communication channel at any time.

This may occur because of:

1. legal or regulatory requirements;

2. compliance or risk requirements;

3. partner requirements;

4. banking or payment restrictions;

5. technology or security requirements;

6. operational limitations;

7. product changes;

8. sanctions or financial crime controls;

9. market or liquidity conditions;

10. internal risk appetite.

Goat Finance does not guarantee that any product, service, feature, asset, payment method, settlement method or partner route will remain available.

24. Limitation of Liability

To the maximum extent permitted by applicable law, Goat Finance is not liable for indirect, incidental, special, consequential, punitive or exemplary damages, including loss of profits, loss of revenue, loss of business, loss of opportunity, loss of data, loss of goodwill, trading losses, market losses, tax consequences, partner failures, payment failures, blockchain losses, cybersecurity events, mistaken transfers, fraud, scams, network congestion, regulatory changes or service interruptions.

Nothing in these Global Terms excludes or limits liability to the extent such exclusion or limitation is prohibited by applicable law.

Entity Terms or Product Terms may include additional liability limitations specific to the relevant entity, product or jurisdiction.

25. Indemnity

You agree to indemnify and hold harmless the applicable Goat Finance entity, its directors, officers, employees, contractors, affiliates, agents, partners and service providers from and against any losses, claims, costs, damages, liabilities, penalties, fines, expenses and legal fees arising from or related to:

1. your breach of these Global Terms;

2. your breach of any Entity Terms, Product Terms, AUP, disclosure, agreement or policy;

3. your use or misuse of Goat Finance services;

4. inaccurate, incomplete, misleading, forged or outdated information provided by you;

5. unauthorized or unlawful activity;

6. your breach of applicable law;

7. your breach of third-party rights;

8. instructions provided by you or on your behalf;

9. wallet, bank account, payment or transaction information provided by you;

10. tax, reporting, accounting or regulatory obligations applicable to you.

26. Amendments

Goat Finance may update these Global Terms from time to time.

Changes may be made to reflect:

1. changes in law;

2. regulatory requirements;

3. product changes;

4. partner requirements;

5. banking or payment restrictions;

6. risk appetite changes;

7. operational changes;

8. security requirements;

9. financial crime typologies;

10. governance changes.

Where reasonably possible, Goat Finance will provide advance notice of material changes.

Changes may take effect immediately where required by law, regulation, regulator, sanctions authority, partner, bank, payment provider, liquidity provider, settlement provider, crypto provider, security requirement, financial crime control or risk management requirement.

Your continued use of Goat Finance services after the effective date of updated Global Terms constitutes acceptance of the updated Global Terms, unless applicable law requires a different process.

27. Governing Law and Dispute Resolution

The governing law and dispute resolution forum applicable to your relationship with Goat Finance are determined by the applicable Goat Finance contracting entity and the applicable Entity Terms or Product Terms.

If no contracting entity has been assigned, and the matter relates only to website access or Phase 1 pre-onboarding, the applicable governing law and forum will be determined by the relevant Goat Finance entity responsible for that activity, as stated in the applicable terms or notice.

Nothing in these Global Terms limits any mandatory rights, remedies, courts, regulators, complaint bodies or protections that cannot lawfully be excluded under applicable law.

28. Miscellaneous

If any provision of these Global Terms is found to be invalid, unlawful or unenforceable, the remaining provisions will continue in full force and effect.

No failure or delay by Goat Finance in exercising any right or remedy shall operate as a waiver of that right or remedy.

Nothing in these Global Terms creates any partnership, joint venture, employment, agency, fiduciary, deposit-taking, banking, advisory, brokerage, custody or trustee relationship between you and Goat Finance.

You may not assign or transfer your rights or obligations without Goat Finance’s prior written consent.

Goat Finance may assign, transfer, subcontract or delegate rights or obligations where permitted by applicable law, internal governance, partner arrangements, restructuring or operational requirements.

29. Contact

For questions about these Global Terms, contact:

Goat Finance Compliance
Email: [email protected]

Entity-specific contact details may be provided in the applicable Entity Terms, Product Terms, privacy notice, product disclosure or onboarding communication.