Terms of Service
Last updated: April 16, 2026
1. Agreement
By accessing or using BY1.IO’s website and services at
https://by1.io/ (the “Service”), you agree to these Terms. If you do not agree, do not use the Service.
2. The Service
The Service may include peer-to-peer trading tools, account features, and related functionality. Features may change, be suspended, or be discontinued. We do not guarantee uninterrupted or error-free operation.
3. Eligibility and accounts
You must meet any minimum age and legal requirements in your jurisdiction. You are responsible for account credentials and for activity under your account. Notify us promptly if you suspect unauthorized access.
4. Acceptable use
You agree not to:
- Use the Service in violation of law or regulation.
- Attempt to compromise security, probe vulnerabilities without authorization, or overload systems.
- Mislead other users, manipulate markets, launder funds, or facilitate illegal activity.
- Scrape, reverse engineer, or misuse the Service except where permitted by law.
5. Trading, counterparties, and risk
P2P and crypto activities may involve substantial financial risk, including loss of funds, volatility, settlement disputes, and fraud. You are solely responsible for evaluating risks and for your interactions with other users or third parties. We are not a party to trades between users unless expressly stated in a separate agreement.
6. Third-party services
The Service may integrate sign-in, payments, analytics, or other third-party services. Their terms and privacy policies apply to your use of those services.
7. Intellectual property
We and our licensors own the Service, branding, and related intellectual property. You receive a limited, revocable license to use the Service as intended. Do not copy, modify, or distribute our materials except as allowed by law or with our written consent.
8. Disclaimers
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE MAXIMUM EXTENT PERMITTED BY LAW.
9. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, BY1.IO AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE THREE MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (US$100), UNLESS APPLICABLE LAW REQUIRES OTHERWISE.
10. Indemnity
You will defend and indemnify BY1.IO and its affiliates against claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising from your use of the Service, your violation of these Terms, or your violation of others’ rights.
11. Suspension and termination
We may suspend or terminate access to the Service if we reasonably believe you violated these Terms, pose a security risk, or must do so to comply with law. You may stop using the Service at any time.
12. Changes
We may modify these Terms by posting an updated version on this page and updating the “Last updated” date. Continued use after changes become effective constitutes acceptance, where permitted by law.
13. Governing law and disputes
These Terms are governed by the laws chosen by BY1.IO in its corporate governing documents, excluding conflict of law rules, unless mandatory consumer protections in your jurisdiction require otherwise. Courts or venues may apply as permitted by law—replace this section with counsel-approved jurisdiction and dispute resolution clauses.