WHEREAS, Forgues Gestion Uk Ltd (wich will become European Crypto Bank – ECB) located at 563 Chiswick High Road, London, W4 3AY London, United Kingdom , is a ECB  token issuer and provider of various financial services under the brand name “EuropeanCryptoBank” (hereinafter – “EuropeanCryptoBank”, “we”, “us”);


WHEREAS, you (“you” or the “User”) are an individual or entity that uses ECB token and currency;

WHEREAS, (the “Website”) is the official website of EuropeanCryptoBank;

NOW, THEREFORE, for and in consideration of the foregoing and the mutual covenants and

agreements contained herein, the parties hereby stipulate, agree and enter into the agreement

(the “Agreement”) as follows:


1.1. Account – online account created by the user at the Website.

1.2. Blockchain – type of distributed ledger, comprised of unchangeable, digitally recorded,

data in packages called blocks.

1.3. ECB TOKENS – virtual currency tokens created by EuropeanCryptoBank and known as Bankers (ECB TOKENS).

1.4. Cryptocurrency – is a digital asset designed to work as a medium of exchange using

cryptography to secure the transactions and to control the creation of additional units of

the currency.

1.5. Ethereum – an open blockchain platform at

1.6. Ether – is the name of the cryptocurrency used within Ethereum.

1.7. ICO – a restricted initial coin offering by EuropeanCryptoBank to eligible Users regarding purchase of ECB TOKENS.

1.8. Services – any services provided by EuropeanCryptoBank and/or its affiliates, including the services available to registered Users on the Website.

1.9. Smart Contract – means the Ethereum smart contract.

1.10. ECB TOKENS emission platform located

1.11. Wallet – any type of wallet used for storage of cryptocurrencies.

1.12. Whitepaper – the document located at the Website containing the ICO conditions and

describing EuropeanCryptoBank’s project and its business model.



2.1. This Agreement sets out terms and conditions for participation in ICO and usage of ECB TOKENS.


3.1. Your access to and use of the Website and/or any Services is subject exclusively to this

Agreement. By registering to and using the Website you agree to be bound by and accept

this Agreement, its terms and conditions and all the policies and guidelines that are

incorporated by reference.

If you do not agree with the Agreement and/or individual provisions of the

Agreement, you cannot use the Website and must immediately stop using the Website

and/or the Services. We recommend that you store or print-off a copy of the Agreement

(including all policies) for your records.

3.2. This Agreement comes into effect at the moment you register at the Website.


3.3. EuropeanCryptoBank may change, amend, delete or add to this Agreement or any of the terms and

conditions contained in any policies or rules governing the Website and/or the Services

at any time and in its sole discretion without notice. Any such changes will be effective

upon the posting of the revised Agreement or such policies and rules on the Website and

you are solely responsible for reviewing any such notice and the corresponding changes

to the Agreement. Your continued use of the Website and/or the Services following any

such revisions to the Agreement or such policies and rules will constitute your

acceptance of such changes. If you do not agree to any such changes, do not continue

to use the Website and/or the Services.

3.4. EuropeanCryptoBank may at any time change or remove (temporarily or permanently) the Website,

Services and their information from the Website without indicating the reasons of such

change or removal and you confirm that EuropeanCryptoBank shall not be liable to you for any such

change or removal.

3.5. ECB TOKENS is unregulated virtual currency. If there are any regulations imposed regarding ECB TOKENS and virtual currencies, the terms and conditions of this Agreement and/or other

conditions regarding usage of ECB TOKENS may be changed significantly by EuropeanCryptoBank to meet such regulatory requirements.

3.6. Use of the Website and/or the Services is limited to parties that are 18 years old or older

and lawfully can enter into and form contracts under applicable law.


4.1. If you want to start using the Website and/or the Services, you must register at the

Website. After you agree to be bound by this Agreement and complete the registration

form, EuropeanCryptoBank will establish an account for you and provide you with the unique login ID

and password. EuropeanCryptoBank is entitled to refuse to register you without indicating the reasons.

4.2. For the purpose of your identification you may be required to provide a copy of your

passport or ID card, a copy of the bank transfer with the banker’s signature, utility bill and

other information required by EuropeanCryptoBank. Particular documents that have to be submitted

will be specified in the notification to you. EuropeanCryptoBank can also request you to provide any

documents required to perform either your background check or check of your provided


4.3. EuropeanCryptoBank reserves the right to suspend the usage of the Account until your identity is

completely verified.

4.4. You are solely responsible for maintaining the confidentiality of your Account information,

including unique login ID and password, and for their use. It is your responsibility to guard

your password. Sharing your password with a third party constitutes a breach of this

Agreement. We recommend that you never share or disclose your Account information

with anyone, create complex and secure password, change your password from time to

time, always log out when finished using the Account. Any loss that occurs as a result of

negligent security practices, whether it be on the part of you, or EuropeanCryptoBank, will not be the

responsibility of EuropeanCryptoBank, its directors, associates or employees.

4.5. You confirm that at the registration at the Website you have entered correct data about

yourself and that afterwards, when changing or adding this data in the Account, you will

enter only correct data. The User shall bear any losses that occur regarding to the

submission of invalid/incorrect data. You unconditionally warrant that any information,

data and/or content you provide: (i) will be correct, accurate and not misleading or

otherwise deceptive; (ii) will not infringe the intellectual property rights of EuropeanCryptoBank or any

third party such as copyright, patent, trademark, trade secret or other proprietary rights,

rights of publicity or privacy; (iii) will not violate any law, statute, or regulation; (iv) will not

be defamatory or libelous, and, (v) will not create liability for EuropeanCryptoBank.


4.6. You shall not use the Website and/or the Services for any purpose that is unlawful or

prohibited by this Agreement and legal requirements. Your registration at the Website

implies your confirmation and a guarantee that by using the Services you will act honestly

and in such way that it would meet the interests of both you and EuropeanCryptoBank. EuropeanCryptoBank has a right to restrict your usage of the Website and/or the Services without prior notice if the you use the Website and/or the Services in unlawful or other unaccepted way.


5.1. Before taking any action with respect to participation in the ICO, you shall peruse and

understand: (1) this Agreement (2) all the whitepapers of EuropeanCryptoBank published at the

Website; (3)and (4) other relevant documents and information published by EuropeanCryptoBank. The documents identified above are incorporated as integral parts to this Agreement. You shall refrain from purchasing any ECB TOKENS until you understand and accept the documents identified

above. By participating in the ICO you expressly acknowledge and represent that you

have carefully reviewed the aforementioned terms and conditions, and fully understand

the risks, costs, and benefits associated with ECB TOKENS and you agree to be bound by these

terms and conditions.

5.2. You shall meet certain participation requirements set forth in the Website to participate

in the ICO. You shall participate in the ICO only within such period and in such manner

as set forth in the Website.

5.3. In addition to participation requirements set forth in the Website you shall represent,

warrant, acknowledge and agree that: (a) you are of sufficient age (minimum 18 years of

age) to participate in the ICO and have full capacity of civil conduct under the laws of the

jurisdiction where you are domiciled; (b) you are legally permitted to participate in the

ICO and are legally permitted to receive and hold cryptocurrencies and tokens; (c) your

participation in the ICO is voluntary and based on your own independent judgment

without being coerced, solicited or misled by anyone else; (d) you have sufficient

knowledge on cryptocurrencies, cryptographic tokens, cryptographic protocol and

blockchain technology; (e) you do not contemplate to use ECB TOKENS for any speculative, illegal

or non-ethical purpose, including, but not limited to, speculative investment; (f) you do

not intend to break or misuse ECB TOKENS and/or EuropeanCryptoBank for money laundering or any illegal activities; (g) you take sole responsibility for any restrictions and risks associated with

participating in the ICO, receiving and holding ECB TOKENS, whether referred to in this

Agreement, arising under any applicable law or otherwise; (h) you waive the right to

participate in any class action lawsuit or any class wide arbitration against EuropeanCryptoBank and

any person or legal entity associated with it; (i) you are participating in the ICO to facilitate

the development, testing, deployment and operation of EuropeanCryptoBank’s products and services;

(j) the proposed outcomes discussed in the Whitepaper may not be achieved; (k) ECB TOKENS

may not provide the rewards envisaged; (l) participating in the ICO, receiving and holding

ECB TOKENS do not grant any ownerhips rights in regard to EuropeanCryptoBank, decision making power, including (without limitation) in relation to development, governance or the role, conduct

or performance of EuropeanCryptoBank; (m) you will not hack into, interfere with, disrupt, disable,

overburden or otherwise impair the proper working of the Website, you will not violate or

attempt to violate the security of the Website; (n) you will not access information or data

which you are not authorised to access; (o) you will promptly provide to EuropeanCryptoBank, upon

request, any additional information which EuropeanCryptoBank may consider necessary in providing

services on the Website; (p) you will ensure that any information or content posted, or

permitted or caused to be posted, on the Website, shall be non-confidential or

non-proprietary unless expressly indicated otherwise, and not offensive, illegal under any

applicable law, and that you will be responsible for all such information or content; (q)

you are not an individual who is a citizen, resident or tax resident of the United States of

America (including all territories of this country); (r) you are not a corporation, partnership

or other legal entity formed under the laws of the United States of America, Canada (including all

territories of this country), as well as not an agency, branch or office located in the United

States of America, Canada  (including all territories of this country); (s) your purchase of ECB token is made for your own account as principal and is not made in anticipation of a further

distribution of ECB tokens to others; (t) you are purchasing ECB tokens to actually use EuropeanCryptoBank’s services and ECB tokens as a virtual currency, not to speculate on its value; (u) by participating in the ICO or receiving and holding ECB tokens you acknowledge and agree that you fully


understand that ECB tokens may experience volatility in pricing and liquidity, and that, to the

extent permitted by applicable law, you agree that EuropeanCryptoBank and any of its affiliates may

not be held liable for any loss arising out of, or in any way connected your participation

in the ICO or receiving and holding ECB tokens; (v) all the representations, warranties and

acknowledgments as laid out in this clause are true and accurate.

5.5. ECB TOKENS is not offered to citizens, residents and/or tax resident of the United States of

America (including all territories of this country) and Canada. If you are a citizen, a resident and/or a

tax resident of the United States of America and Canada (including all territories of this country) or

otherwise associated with these countries, you are not eligible to participate in the ICO

and cannot use ECB tokens in any way.

5.6. You are only allowed to purchase ECB tokens if and by buying ECB tokens you covenant, represent, and warrant that you are neither a citizen, resident or tax resident of the United States of

America (including all territories of this country), nor do you have a primary residence or

domicile in the United States of America and Canada (including all territories of this country). In order

to buy ECB tokens and by buying ECB tokens you covenant, represent, and warrant that none of the

owners or beneficiaries of the company, of which you are an authorized officer, are a

citizen, resident or tax resident of the United States of America and Canada (including all territories

of this country), nor do you have a primary residence or domicile in the United States of

America and Canada, (including all territories of these countries). Should this change at any time, you

shall immediately notify EuropeanCryptoBank.

5.7. If buying, selling and usage of cryptocurrency and/or tokens, participation in the ICO

and/or other transactions indicated in this Agreement and/or the Website, are not legal

in your country (whether you are a citizen, a resident and/or a tax resident of that country)

and/or such transactions can be considered as securities, securities trading, initial public

offering, crowdfunding or similar, you oblige not to participate in the ICO, not to use the

Website and not to use or buy ECB tokens. Failure to comply with local laws may result in the

loss of your Account and any assets contained within.

5.8. EuropeanCryptoBank shall reserve the right to refuse selling ECB tokens to anyone who does not meet

criteria necessary for their buying, as set out in this Agreement, the Website and by the

applicable law.

5.9. You understand and accept that the purchase and sale of cryptocurrencies and tokens

of any kind (including ECB tokens) involves risk. Due to the constant price fluctuations, you may

increase or lose value in your assets at any time.


6.1. EuropeanCryptoBank as a company is to be set up and an initial coin offering will be conducted. The offering will be a virtual currency tokens known as a Bankers (ECB tokens). Funds raised by

EuropeanCryptoBank will be given as grant towards the development of EuropeanCryptoBank as a project.

6.2. During the ICO EuropeanCryptoBank as a company will issue tokens on the Ethereum blockchain

operated by a smart contract and following the ERC20 and the NEM Mosaic protocols.

6.3. Bankers (ECB tokens) will be issued in exchange for Ether based on the smart contract.

6.4. The ICO will be held in to stages:

6.4.1. Pre-ICO. In the invite only pre-ICO, 14% of ECB TOKENS will be issued to finalize the

initial version of EuropeanCryptoBank before the full ICO. The Pre-ICO will be used to

determine the hard cap for ICO smart contract. The price of ECB TOKENS will be 0.63 EUR per token without the discount of 35% .


6.4.2. Full ICO. The price of ECB TOKENS will depend on the number of tokens issued during

pre-ICO and is indicated in detail in the Whitepaper. The HARDCAP (how many

tokens will be issued) for full ICO will be determined at the beginning of the ICO.

6.5. If the HARDCAP is not reached during ICO, the remaining tokens will be distributed

among ICO and pre-ICO participants pro-rata.

6.6. ECB TOKENS will be allocated among participants of the pre-ICO, the full ICO and SCO as well

as management and advisors to EuropeanCryptoBank. Pre-ICO participants will be allocated 14% of

all ECB TOKENS issued via the ICO. ICO participants will be allocated 51% of all ECB TOKENS issued via

the ICO minus all tokens sold during the pre ICO.

Management team and employees will be allocated 20% of all ECB TOKENS over time as a motivational tool to align the interest with the value of ECB TOKENS. 2% of ECB TOKENS tokens will be used as bounties during pre-ICO and full ICO. Advisors will receive 3% of all ECB TOKENS for their insights and contacts to help EuropeanCryptoBank succeed.

6.7. The number of ECB TOKENS tokens allowed for purchase by one User is not limited.

6.8. The ICO conditions are indicated in more detail in the Whitepaper and the Website which

are an integral part of this Agreement and you agree to be bound by them. To the extent

the ICO conditions indicated in this chapter 6 of the Agreement conflicts with the

Whitepaper and the Website, the Whitepaper and the Website prevail.

6.9. ECB TOKENS emission will be conducted and By participating in the ICO you agree to be bound by all the terms and conditions of

europeancryptobank. Failure to follow the ICO instructions on the Website may limit, delay, or

prevent you from purchasing ECB tokens.

6.10. Any detected double spend of cryptocurrency and/or tokens will result in no ECB tokens being

provided to the relevant party.

6.11. ECB tokens is available for purchase to eligible buyers only during the announced periods of

the ICO period as indicated in this Agreement, the Whitepaper and the Website.

6.12. ECB tokens will be available in the wallet under the terms and conditions of and EuropeanCryptoBank may at any time in its own discretion decide to transfer storage of

ECB tokens to the Website or any other wallet.


7.1. ECB tokens is not money or investment securities and the ICO will not involve issuance of any

fiat currency, securities (whether equity securities or otherwise), financial derivative

instrument or other kind of investment certificate. ECB tokens is not redeemable, associated

with financial return or backed by any underlying asset or repurchase commitment and

does not necessarily have market prices or transactions between peers. ECB tokens does not

stand for any sort of investment contract for all intents and purposes. You shall not

participate in the ICO with a view to investment or speculation or in pursuit of any profit.

Under this Agreement EuropeanCryptoBank does not provide, offer or exchange securities,

investment contracts or any other form of financial instrument that may be considered by

law to be a security.

7.2. ECB tokens are cryptographic tokens created for access of EuropeanCryptoBank’s products and services and benefits associated with it, i.e. discounts for EuropeanCryptoBank’s products and services, advance payment for EuropeanCryptoBank’s products and services, etc. However, there are no guarantees of their future use or value which can be zero.

7.3. You cannot expect profit from ECB tokens and shall have no expectations of profit from the

future success of EuropeanCryptoBank’s business and/or the efforts of EuropeanCryptoBank or other persons.

ECB tokens value depends on your active involvement in using and promoting it.

7.4. The ICO is not crowdfunding or initial public offer and you cannot participate in the ICO

with a view to crowdfunding or initial public offer.

7.5. ECB tokens are not shares of EuropeanCryptoBank. ECB tokens does not represent ownership interests or grant

ownership, control and voting rights in EuropeanCryptoBank, as well as does not grant any rights to

receive a share of EuropeanCryptoBank’s profit.


7.6. ECB tokens does not entitle you to any intellectual property rights in regard to EuropeanCryptoBank and its

products and services.

7.7. EuropeanCryptoBank may unilaterally in its own discretion and to the fullest extent possible make

decisions on spending, investing and otherwise using the funds received during the ICO.

7.8. EuropeanCryptoBank is not required to consult with you regarding any activities and/or decisions of

EuropeanCryptoBank or coordinate it with you. You will not have any influence in the development or

governance of EuropeanCryptoBank.

7.9. ECB tokens holders cannot request an audit of EuropeanCryptoBank and its business, and an investigation

of EuropeanCryptoBank’s activities.

7.10. ECB tokens can be used for payments and other transactions associated with cryptocurrencies.

7.11. EuropeanCryptoBank is not obliged to redeem ECB tokens in any case.


8.1. EuropeanCryptoBank is building a digital bank and plans to achieve the scale to offer traditional and emerging banking products in a technology driven blockchain era environment,

eventually becoming the one-stop shop for all banking requirements.

8.2. EuropeanCryptoBank will offer money wallets in various fiat currencies and cryptocurrencies,

competitive foreign currency exchange rates, savings and loans accounts, globally

accepted IBAN accounts, international bank wires, payment processing, payment cards,

payments financing, cash deposit and withdrawal services, investment solutions for

individual clients and businesses, tax reportings, tax advises and services of tax litigations by the blockchain and other blockchain based financial services

indicated in the Website and the Whitepaper.d0

8.3. During the ICO and for the time period indicated in the Whitepaper the Website will not

feature any products or services of EuropeanCryptoBank and at this stage there will be no opportunity

to use EuropeanCryptoBank’s products or services via the Website. The Website will only contain

description of products and services of EuropeanCryptoBank and instructions regarding ECB tokens


8.4. EuropeanCryptoBank will put effort, but it is not obliged to implement goals, promises and ideas

indicated in this Agreement, the Whitepaper, the Website or elsewhere, i.e. EuropeanCryptoBank may not get a bank license, but use a partner bank to achieve the same goals, etc. However,

neither EuropeanCryptoBank, nor its management, employees, advisors, partners, affiliates or any

other persons associated with EuropeanCryptoBank shall not be held liable for not achieving goals,

promises and ideas indicated in this Agreement, the Whitepaper, our websites or



9.1. Success of EuropeanCryptoBank’s business and value of ECB tokens in large part depends on your efforts, therefore, by participating in the ICO and using ECB TOKENS you acknowledge it and agree to promote EuropeanCryptoBank’s products on your own via affiliate commission or other discounts and benefits solely determined by EuropeanCryptoBank.

9.2. You are free to choose EuropeanCryptoBank’s products which you wish to promote and refer potential clients to, as well as means of promotion.

9.3. You shall ensure that all the links linking to the Website and/or EuropeanCryptoBank’s products

operate correctly and redirect potential clients to the requested part of the Website. If

any link fails or breaks you shall take all necessary steps to correct the problem within a

reasonable period of time.

9.4. EuropeanCryptoBank reserves the right to change the links, modify and remove products without

notice to you or your consent. EuropeanCryptoBank shall have no liability or obligation for any such


9.5. You shall not to misrepresent or in any way make damage to EuropeanCryptoBank, its products or

services and the Website. You shall not use EuropeanCryptoBank’s logo or any image, texts and links


in any way which could dilute the identity of such logo, image, text and links or could

cause confusion to the public. You shall also not to promote EuropeanCryptoBank’s products on

websites that make available or promote sexually explicit material, violence, piracy or

pirated materials, or sites that promote discrimination based on race, sex, religion,

national origin, or physical disability or sites that promote illegal activities, or otherwise

might damage reputation of EuropeanCryptoBank and its products.

9.6. You shall not promote our websites and EuropeanCryptoBank’s products by use of “spamming”,

unsolicited commercial email, postings to forums, message boards, non-commercial

newsgroups and cross-posting to multiple newsgroups at once or advertise in any way

that effectively conceals or misrepresents your identity, your domain name or your return

email address or in any other way that is likely to tarnish or damage EuropeanCryptoBank’s reputation.

In addition, you (i) shall not use the Website address or any combination of EuropeanCryptoBank

name in the meta tags keywords or description of any web page, (ii) submit the Website

address or any confusingly similar web site address to any search engine or directory,

or (iii) register any domain name confusingly similarly (or deliberately misspelled) to that

of the Website address.


9.8. The affiliate commission will be exchanged to Ether every week. All Ethers will be sent

to EuropeanCryptoBank’s smart contract and distributed via smart contract to holders of ECB tokens.

9.9. Depending on EuropeanCryptoBank’s sole and unilateral decision you may be eligible to receive

discounts or other benefits in regard to your personal use of EuropeanCryptoBank’s products. EuropeanCryptoBank

will inform you about such eligibility individually.

9.10. EuropeanCryptoBank reserves the right to suspend payment of the affiliate commission, hold any

portion of your affiliate commission or unilaterally charge/set-off overdue payments from

you if you breach this Agreement, terms and conditions of the Website, the Whitepaper,and/or if EuropeanCryptoBank, in its sole discretion, determines such action is needed

to secure payment for, performance of, and/or assurances regarding any liabilities,

obligations, or indebtedness you may incur with EuropeanCryptoBank or any other third party.


10.1. There will be no refunds in regard to the ICO, ECB tokens purchase and usage for any reason,

including, but not limited to, loss of your ECB tokens due to technical reasons, errors,

malfunction of the wallet, transaction failures, etc. All ECB tokens are sold as-is without any


10.2. By participating in the ICO, you are confirming that you have read and understand our

no refunds policy, and you acknowledge that all purchases are final and non-refundable,

and EuropeanCryptoBank is not required to provide a refund for any reason, and that you will not

receive money or other compensation in lieu of a refund, and you consent to no right of

withdrawal from the ICO.

  1. TAXES

11.1. You agree that you are solely responsible for determining the amount of any taxes that

you may owe as a result of this Agreement, the ICO, ECB tokens and usage of ECB tokens, and are

solely responsible to collect, report and remit any such taxes required under law

applicable to you. You shall declare, bear and pay all such taxes, duties, imposts, levies,

tariffs and surcharges that might be imposed by the laws and regulations of any

jurisdiction as a result of or in connection with the receipt, holding, use, purchase,

appreciation or trading of ECB tokens (no matter whether acquired by participating in the ICO


or otherwise acquired). You acknowledge and agree that EuropeanCryptoBank has no responsibility

to collect, report or remit any applicable taxes in connection with this Agreement, the

ICO, ECB tokens and usage of ECB tokens. You hereby agree to fully indemnify, defend and hold

EuropeanCryptoBank (and its affiliated entities) harmless from any and all claims, demands,

damages, awards, fines, costs, expenses and liability in any way associated with the

foregoing obligations or otherwise with respect to any claim, demand or allegation of any

tax in any way associated with this Agreement, the ICO, ECB tokens and usage of ECB tokens.

11.2. You shall be solely liable for all tax related penalties, claims, fines, punishments, liabilities

or otherwise arising from your underpayment, undue payment or belated payment of any

applicable tax. EuropeanCryptoBank provides no advice and makes no representation as to the tax

implication of any jurisdiction.

  1. RISKS

12.1. You should peruse, comprehend and carefully consider or seek legal advise as to the

risks described below in addition to the other information stated in this Agreement, the

Whitepaper, the Website or elsewhere before deciding to participate in the ICO.

Participating in the ICO will be deemed as you having accepted all the risks outlined in

this Agreement.

12.2. ECB TOKENS price may experience extreme volatility. Cryptographic tokens or cryptocurrencies

have demonstrated extreme fluctuations in price over short periods of time on a regular

basis. You must be prepared to accept similar fluctuations in ECB tokens value. Such

fluctuations are due to market forces and represent changes in the balance of supply

and demand. EuropeanCryptoBank cannot and does not guarantee any market liquidity for ECB tokens.

Additionally, due to different regulatory requirements in different jurisdictions, the liquidity

of ECB tokens may be markedly different in different jurisdictions.

12.3. While some of cryptographic tokens or cryptocurrencies may have been relatively stable,

it is possible that their values may drop significantly in the future, which may deprive

EuropeanCryptoBank of sufficient resources to continue to operate.

12.4. Cryptocurrencies are being, or may be, scrutinized by the regulatory authorities of

various jurisdictions. EuropeanCryptoBank may receive queries, notices, warnings, requests or rulings

from one or more regulatory authorities from time to time, or may even be ordered to

suspend or discontinue any action in connection with EuropeanCryptoBank, as well as be impacted

by one or more regulatory inquiries or regulatory actions, which could impede or limit the

ability of EuropeanCryptoBank to further conduct business. The development, marketing, promotion

or otherwise of EuropeanCryptoBank may be seriously affected, hindered or terminated as a result.

12.5. Advances in cryptography, such as code cracking or technical advances such as the

development of quantum computers, could present risks to all cryptocurrencies, including

ECB tokens. This could result in the theft, loss, disappearance, destruction or devaluation of

ECB tokens. It is impossible to predict the future of cryptography or the future of security

innovations to an extent that would permit EuropeanCryptoBank accurately guide the development of

ECB tokens to take into account such unforeseeable changes in the domains of cryptography

or security.

12.6. EuropeanCryptoBank cannot guarantee the software used by EuropeanCryptoBank to be flaw-free. It may contain

certain flaws, errors, defects and bugs, which may disable some functionality for users,

expose users’ information or otherwise. Such flaw would compromise the usability and/or

security of ECB tokens and consequently bring adverse impact on the value of ECB tokens.

12.7. Ethereum is an open source project and supported by the community. EuropeanCryptoBank does not

lead the development, marketing, operation or otherwise of Ethereum. Anybody may

develop a patch or upgrade of the source code of Ethereum’s source without prior

authorization of anyone else. The acceptance of Ethereum patches or upgrades by a

significant, but not overwhelming, percentage of the users could result in a “fork” in the

blockchain of Ethereum, and consequently the operation of two separate networks and

will remain separate until the forked blockchains are merged. The temporary or

permanent existence of forked blockchains could adversely impact the operation and the

market value of ECB tokens and in the worst-case scenario, could ruin the sustainability of ECB tokens.


While such a fork in the blockchain of Ethereum would possibly be resolved by

community-led efforts to merge the forked blockchains, the success is not guaranteed

and could take long period of time to achieve.

12.8. The Ethereum source code and the software used by EuropeanCryptoBank could be updated,

amended, altered or modified from time to time by the developers and/or the community

of Ethereum. Nobody is able to foresee or guarantee the precise result of such update,

amendment, alteration or modification. As a result, any update, amendment, alteration

or modification could lead to an unexpected or unintended outcome that adversely

affects ECB tokens’s operation or market value.

12.9. The blockchain rests on open-source software. Regardless of EuropeanCryptoBank’s effort to keep

the blockchain secure, anyone may intentionally or unintentionally introduce weaknesses

or bugs into the core infrastructural elements of EuropeanCryptoBank. This could consequently result

in the loss of ECB tokens held by you.

12.10.The loss or destruction of a private key required to access ECB tokens may be irreversible. You

are required to safeguard the private keys relating to your own ECB tokens wallets. To the extent

such private key is lost, destroyed or otherwise compromised, neither EuropeanCryptoBank, nor

anyone else will be able to access the related ECB tokens.

12.11.ECB tokens is not a currency issued by any individual, entity, central bank or national, supranational

or quasi-national organization. The circulation and trading of ECB tokens on the market

depends on the consensus on its value between the relevant market participants.

Nobody is obliged to redeem or purchase any ECB tokens from any user or ECB tokens holder. Nor

does anyone guarantee the liquidity or market price of ECB tokens to any extent. EuropeanCryptoBank has

no control over market price or liquidity of ECB tokens once ECB tokens start to trade in the open


12.12.It is possible that EuropeanCryptoBank’s product and services or ECB tokens will not be used by a large

number of individuals, businesses and other organisations and that there will be limited

public interest in the creation and development of its functionalities. Such a lack of

interest could impact the development of EuropeanCryptoBank’s business.

12.13.EuropeanCryptoBank, as developed, may not meet your expectations. You acknowledge that

EuropeanCryptoBank is currently under development and may undergo significant changes before

release. You also acknowledge that any expectations regarding the form and

functionality of EuropeanCryptoBank held by you may not be met upon its release for any number of

reasons, including a change in the design and implementation plans and execution of

the implementation of EuropeanCryptoBank. Furthermore, you acknowledge that EuropeanCryptoBank project

may never be fully completed or released.

12.14.You understand and accept that hackers or other groups or organisations may attempt

to steal ECB tokens or otherwise interrupt or cease EuropeanCryptoBank’s business or usage of ECB TOKENS.

12.15.Except for historical information, there may be matters in this Agreement, the Website,

the Whitepaper or elsewhere that are forward-looking statements. Such statements are

only predictions and are subject to inherent risks and uncertainty. Forward-looking

statements, which are based on assumptions and estimates and describe EuropeanCryptoBank’s

future plans, strategies, and expectations are generally identifiable by the use of the

words ‘anticipate’, ‘will’, ‘believe’, ‘estimate’, ‘plan’, ‘expect’, ‘intend’, ‘seek’, or similar

expressions. You are cautioned not to place undue reliance on forward-looking

statements. By its nature, forward-looking information involves numerous assumptions,

inherent risks and uncertainties both general and specific that contribute to the possibility

those predictions, forecasts, projections and other forward-looking statements will not

occur. Those risks and uncertainties include actors and risks specific to the industry in

which EuropeanCryptoBank operates as well as general economic conditions and prevailing

exchange rates an interest rates. Actual performance or events may be materially

different from those expressed or implied in those statements. All forward-looking

statements attributable to EuropeanCryptoBank or persons acting on behalf of EuropeanCryptoBank are expressly

qualified in their entirety by the cautionary statements in this section. Except as expressly

required by the applicable law, EuropeanCryptoBank undertakes no obligation to publicly update or

revise any forward-looking statements provided in this publication whether as a result

of new information, future events or otherwise, or the risks afecting this information.


None of EuropeanCryptoBank, its officers or any person named in this Agreement, the Website, the

Whitepaper or elsewhere with their consent, or any person involved in the preparation of

this Agreement, the Website or the Whitepaper, makes any representation or warranty

(express or implied) as to the accuracy or likelihood of fulfilment of any forward-looking

statement except to the extent required by law.

12.16.The Internet industry is comprised of a number of participants and is subject to rapid

change and competition EuropeanCryptoBank faces from other organisations, some of which may

have greater financial, technical and marketing resources. Increased competition could

result in under-utilisation of employees, reduced operating margins and loss of market

share, especially EuropeanCryptoBank’s first mover status. Any of these occurrences could adversely

afect the EuropeanCryptoBank’s business, operating results and financial condition. The possibility

remains that the fundamental business model may not achieve any traction due to an

existing or new entrant ofering a similar solution or that the general public do not see it

as part of their future. The targets and business valuation inherent in the Website, the

Whitepaper or elsewhere are based on EuropeanCryptoBank’s management personal experience,

contacts and feedback from the market. There can be no assurance that these reflect

the actual reality of the opportunity or that will be able to compete successfully against

current or future competitors. You are encouraged to seek professional advice when

assessing the understanding of EuropeanCryptoBank’s business model metrics and projected returns

and values as presented by directors in this Agreement, the Website, the Whitepaper or


12.17.You acknowledge and agree that in no event shall EuropeanCryptoBank be liable or responsible for

any loss in any way arising out of your participation in the ICO, receiving and holding

ECB tokens, or use of the Website and EuropeanCryptoBank is hereby released by you from liability for any

and all such loss.


13.1. EuropeanCryptoBank reserves the right to conduct “know your customer” procedure and any other

kind of customer due diligence on you at any time (including after the close of the ICO).

If EuropeanCryptoBank discovers your purchase of ECB TOKENS violating this Agreement or any anti-money

laundering, counter-terrorism financing or other regulatory requirements, your purchase

of ECB tokens under the ICO shall be invalid with retroactive effect and EuropeanCryptoBank shall be entitled

to immediately terminate this Agreement with you, deny your access to the ICO, reject

delivery of any ECB TOKENS and request return of any delivered ECB tokens, irrespective of any

payment that you could have made.

13.2. You may be required to provide EuropeanCryptoBank with certain personal information, including but

not limited to, your name, address, telephone number, email address, date of birth,

personal code, passport, utility bills, proof regarding source of funds, etc. EuropeanCryptoBank may

also require you to answer certain questions or take certain actions in order to verify your

identity or comply with applicable law. In submitting this personal information, you verify

that the information is accurate and authentic, and you agree to update it if any

information changes. You hereby authorize EuropeanCryptoBank to directly make any inquiries we

consider necessary to verify your identity and/or account information, and request and

obtain any consumer report or similar information relating to you and to take action we

reasonably deem necessary based on the results of such inquiries.

13.3. Use of ECB tokens is subject to international export controls and economic sanctions

requirements. By acquiring ECB tokens, you represent and warrant that your acquisition

comports with and your use of the item will comport with those requirements. Without

limiting the foregoing, you may not acquire ECB tokens if you are on any sanctions list or you

intend to use ECB tokens in association with any persons or entities that are listed on any

sanctions list.


14.1. You are prohibited from violating any law, statute, ordinance or regulation in our

registered jurisdiction as well as your country or residency.


14.2. You may not use your ECB tokens to engage in the following categories of prohibited activity

and you confirm that you will not use ECB TOKENS to do any of the following:

14.2.1. Engage in a transaction involving the proceeds of any unlawful activity;

14.2.2. Defraud or attempt to defraud EuropeanCryptoBank;

14.2.3. Provide false, inaccurate or misleading information;

14.2.4. Infringe upon EuropeanCryptoBank’s or any third party’s copyright, patent, trademark, or

intellectual property rights;

14.2.5. Take any action that imposes an unreasonable or disproportionately large load

on EuropeanCryptoBank’s infrastructure, or detrimentally interfere with, intercept, or

expropriate any system, data, or information;

14.2.6. Transmit or upload any material to the Website that contains viruses, Trojan

horses, worms, malware or any other harmful or deleterious programs;

14.2.7. Otherwise attempt to gain unauthorized access to the Website, computer

systems or networks connected to the Website, through password mining or any

other means;

14.3. EuropeanCryptoBank reserves the right at all times to monitor, review, retain and/or disclose any

information as necessary to satisfy any applicable law, regulation, legal process or

governmental request. EuropeanCryptoBank reserves the right to cancel and/or suspend your

Account and usage of ECB tokens immediately and without notice if we determine, in our sole

discretion, that your Account and usage of ECB tokens is associated with prohibited use, and/or

a prohibited business, and or illegal activity under applicable law.


15.1. You are responsible for actions performed by participating in the ICO, using the Website

and ECB tokens.

15.2. You acknowledge that participating in the ICO, purchasing ECB tokens and using ECB tokens involves

risk and you will not hold EuropeanCryptoBank accountable for any gains or

losses that you incur as a result.

15.3. By participating in the ICO or receiving and holding ECB tokens, to the extent permitted by

applicable law, you agree that EuropeanCryptoBank and other parties (including, but not

limited to, any managers, employees, advisors) cannot be held liable for any loss

(including without limitation indirect, special, incidental, consequential, or tort damages,

or lost profits) arising out of, or in any way connected to your participation in the ICO or

receiving and holding ECB tokens in any manner. Additionally, as a user of ECB tokens and EuropeanCryptoBank’s

products and services, you acknowledge that EuropeanCryptoBank has no

responsibility for any injury, direct or indirect loss, claim, damages or any special,

incidental, consequential, exemplary or punitive damages of any kind that you incur as

a direct or indirect result of participation in the ICO, usage of the Website or any of our


15.4. You understand and agree that EuropeanCryptoBank shall not be held liable to

and shall not accept any liability, obligation or responsibility whatsoever for any change

of the value of ECB TOKENS. You understand and expressly agree that EuropeanCryptoBank

shall not guarantee in any way that ECB tokens might be sold or transferred during

or after the ICO.

15.5. ECB tokens are provided on an “as is” basis and without any warranties of any kind, either

expressed or implied. You assume all responsibility and risk with respect to your

participation in the ICO and use of the Website and buying of any amount of ECB TOKENS and

its use.

15.6. You understand and acknowledge that the Services are being provided to you “as is”

and “as available” without warranty of any kind. EuropeanCryptoBank disclaims any and all warranties, express or implied, including but not limited to any

implied warranties of merchantability or fitness for a particular purpose, or non-


infringement. EuropeanCryptoBank does not guarantee continuous,

uninterrupted, error-free or secure access to any part of the ICO, Website or our services.

15.7. To the extent allowable pursuant to applicable law, you shall indemnify, defend, and hold

EuropeanCryptoBank or any of EuropeanCryptoBank’s subsidiaries,

affiliates, partners, directors, officers, employees, agents, advisors, service providers,

sellers, distributors, licensors, successors, and permitted assignees harmless from and

against any and all claims, damages, losses, suits, actions, demands, proceedings,

payments, liabilities, costs, fines, taxes, penalties and expenses (including the amount

paid in settlement of any claim, action, suit or proceeding and the fees and expenses of

counsel incurred obtaining advice in respect of, or in defending or settling, any such

claim, action, suit or proceeding) of whatsoever nature or kind, and/or liabilities

(including, but not limited to reasonable attorneys’ fees incurred and/or those necessary

to successfully establish the right to indemnification) filed/incurred by any third party

against us in any jurisdiction arising out of a breach of any warranty, representation, or

obligation hereunder, and/or arising out of or related to your participation in the ICO,

receiving and holding ECB TOKENS, your use of the Website, your breach of this Agreement, your

mis-use of the ICO or ECB TOKENS, or your violation of any law, rule or regulation, or the rights

of any third party.

15.8. In the event that EuropeanCryptoBank or its subsidiaries, affiliates, directors,

officers, employees, agents, advisors, service providers, sellers, distributors, licensors,

successors, and permitted assignees face legal action as a result of your actions, you

agree cover any damages, including legal fees, that EuropeanCryptoBank incur

as a result.

15.9. You hereby expressly agree that, to the maximum extent permitted by the applicable law,

EuropeanCryptoBank does not accept any liability for any damage or loss,

including loss of business, revenue, or profits, or loss of or damage to data, equipment,

or software (direct, indirect, punitive, actual, consequential, incidental, special,

exemplary or otherwise), resulting from any use of, or inability to use, the Website and/or

ECB TOKENS, or the material, information, software, facilities, services or content on the Website,

from buying of the tokens or their use by the user, regardless of the basis, upon which

the liability is claimed and even if EuropeanCryptoBank has been advised of the

possibility of such loss or damage.

15.10.In any case, total amount of EuropeanCryptoBank’s aggregate liability under

this Agreement may not exceed 1 (fifty) EUR. If applicable law does not allow all or any

part of the above limitation of liability to apply to you, the limitations will apply to you only

to the extent permitted by applicable law. You understand and agree that it is your

obligation to ensure compliance with any legislation relevant to your country of domicile

concerning participation in the ICO, use of the Website and use and buying of ECB tokens, and

that EuropeanCryptoBank should not accept any liability for any illegal or

unauthorized use of the Website and use and buying of ECB tokens.

15.11.The content and services provided by EuropeanCryptoBank are for informational purposes only and

are not intended to provide legal, financial, tax, accounting or investment advice. We

assume no liability for any information provided by our employees, directors, or affiliates,

regardless of its accuracy. Any action taken by you is your decision, and you relieve

EuropeanCryptoBank of any liability for any outcome that may occur.

15.12.The Website, the Whitepaper and other documents may include forward-looking

statements. Often, but not always, forward-looking statements can be identified by the

use of words such as “believes,” “expects,” “does not expect,” “is expected,” “targets,”

“outlook,” “plans,”, “eta”, “scheduled,” “estimates,” “forecasts,” “intends,” “anticipates” or

“does not anticipate” or variations of such words and phrases or statements that certain

actions, events or results “may,” “could,” “would,” “might” or “will” be taken, occur or be

achieved. Forward-looking statements involve known and unknown risks, uncertainties

and other factors which may cause the actual results, performance or achievements of

EuropeanCryptoBank to be materially different from any future results, performance or achievements

expressed or implied by the forward-looking statements. You must not place undue

reliance on such forward-looking information. By its nature, forward-looking information

involves numerous assumptions, inherent risks and uncertainties, both general and


specific, which contribute to the possibility that the predictions, forecasts and other

forward-looking statements will not occur. By participating in the ICO, receiving and

holding ECB TOKENS, or using the Website, you acknowledge and agree that you fully understand

and accept the risks in this clause 15.12, and to the extent permitted by applicable law,

you agree that EuropeanCryptoBank will not be held liable for any loss arising out

of, or in any way connected with your participation in the ICO, receiving or holding ECB tokens

or use of the Website.


16.1. EuropeanCryptoBank shall not be liable in any way for delays, failure in performance or interruption

of service which result directly or indirectly from any cause or condition beyond our

reasonable control, including but not limited to, any delay or failure due to any act of God,

act of civil or military authorities, act of terrorism, civil disturbance, war, strike or other

labor dispute, fire, interruption in telecommunications of Internet services or network

provider services, failure of equipment and/or software, other catastrophe or any other

occurrence which is beyond our reasonable control and shall not affect the validity of

enforceability of any remaining provisions.


17.1. You shall accept the Website and the ICO “as is” with any faults or failings and without

any representation, warranty or guarantee whatsoever, express or implied, including

without limitation any implied warranty of accuracy, completeness, quality,

merchantability, fitness for a particular purpose or non-infringement.

17.2. The Website and the Whitepaper does not purport to contain all the information that you

may require. In all cases, you should conduct your own investigation and analysis of

EuropeanCryptoBank and its business, and the data contained in the Website and the Whitepaper.

17.3. EuropeanCryptoBank does not make any representation or warranty as to the accuracy or

completeness of the information contained in the Website and the Whitepaper.

Furthermore, EuropeanCryptoBank shall not have any liability to the recipient or any person resulting

from the reliance upon the Website and the Whitepaper in determining to participate in

the ICO and use ECB tokens.

17.4. You must rely on your own investigation of all financial information indicated in the

Website and the Whitepaper and no representations or warranties are or will be made

by EuropeanCryptoBank as to the accuracy or completeness of such information.

17.5. EuropeanCryptoBank makes no representation about the underlying value of ECB tokens.

17.6. The Website and the Whitepaper are prepared for your general information only. It is not

intended to be a recommendation to participate in the ICO and/or use ECB tokens.


18.1. You are responsible for maintaining the confidentiality and security of your Account ID

and password, and accept responsibility for all activities that occur under your Account

or password. You must notify EuropeanCryptoBank immediately in the event that the security of your

login or password has been breached or compromised.

18.2. You are also responsible for maintaining adequate security and control of any and all

identification numbers, private keys, or any other codes that you use to access the

Website and/or use ECB tokens.

18.3. You agree to not hold EuropeanCryptoBank liable for any loss arising out of, or in any way connected

to, your failure to properly secure and keep private your Account information, email

address, any password, private keys and any other identification numbers/codes used in

connection with participation in the ICO and usage of ECB tokens.


18.4. EuropeanCryptoBank shall not bear any liability, whatsoever, 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


18.5. EuropeanCryptoBank does not guarantee the confidentiality or privacy of any communication or

information transmitted on the Website or any site linked to the Website. EuropeanCryptoBank will not

be liable for the privacy or security of information, e-mail addresses, registration and

identification information, disk space, communications, confidential or proprietary

information, or any other content transmitted over networks accessed by the site, or

otherwise connected with your use of the Website.


19.1. In order to participate in the ICO and use ECB tokens you must provide your personal data that

is required in the Account registration or any other form solely determined by EuropeanCryptoBank.

19.2. Personal data refers to any information, whether true or not, about an individual who can

be identified from that information; or from that information and other information to which

we have or are likely to have access, including information in our records as may be

updated from time to time, and any other information relating to any individuals which

you may have provided us from time to time in your interaction with us.

19.3. Your personal data that you provide will be used to indentify you as the ECB TOKENS holder and

to execute this Agreement. EuropeanCryptoBank commits to protect your personal data and disclose

it only when it is necessary to execute this Agreement or it is required by the Agreement

or applicable law. You expressly authorize EuropeanCryptoBank to store, process, use and transmit

to third parties the information required to execute this Agreement.

19.4. You confirm that you have entered correct data about yourself in every required form

and that afterwards, when changing or adding any data at the Website, you will enter

only correct data. You shall bear any losses that occur regarding to the submission of

invalid/incorrect data.

19.5. EuropeanCryptoBank may use your personal data for direct marketing purposes if you give your

consent in the registration form. You can withdraw the above consent at any time.

19.6. EuropeanCryptoBank may at any time in its own discretion adopt a separate Privacy Policy and when

that happens you must agree with that Privacy Policy.


20.1. You agree not to copy any information from the Website without our permission, with the

exception of information for your personal non-commercial use.

20.2. The pages of the Website may contain links to third party websites and services. Such

links are provided for your convenience, but their presence does not mean that they are

recommended to visit by EuropeanCryptoBank. In addition, EuropeanCryptoBank does not guarantee their safety

and conformity with any user expectations. Furthermore, EuropeanCryptoBank is not responsible for

maintaining any materials referenced from another site, and makes no warranties for that

site or this service in such context. Links to such third party material do not imply any

endorsement by EuropeanCryptoBank of such third party material or the content, products or services

available from such third party material. You acknowledge sole responsibility for and

assume all risk arising from your use of any such third party material.

20.3. The contents of the Website are provided on an “as is” and “as available” basis without

warranties of any kind and are made available for your general information only. No

warranty of any kind, express, implied or statutory, is given in conjunction with the

contents of the Website, the tools contained in the Website or the Website in general.

20.4. EuropeanCryptoBank does not warrant the accuracy, adequacy, correctness, completeness,

reliability, timeliness, non-infringement, title, merchantability or fitness for any purpose

of the information on the Website or any website linked to the Website, or that the


information available on the Website, or associated therewith, will be uninterrupted or

error-free or that defects will be corrected or that this Website will be free from viruses,

virus attacks or other harmful elements, and expressly disclaims liability for the same

and any errors or omissions. EuropeanCryptoBank shall not be liable for uninterpreted availability of

the Website at all times, in all countries and/or all geographic locations, or at any given


20.5. The information contained on the Website may not always be entirely accurate, complete

or current and may also include technical inaccuracies or typographical errors. In an

effort to continue to provide you with as complete and accurate information as possible,

information may be changed or updated from time to time without notice, including

without limitation information regarding our policies, products and services. Accordingly,

you should verify all information before relying on it, and all decisions based on

information contained on the Website are your sole responsibility and we shall have no

liability for such decisions.

20.6. EuropeanCryptoBank reserves the right, at its sole and absolute discretion and without giving prior

notice, to vary, modify, add or remove features, or amend any content on the Website.

You shall be deemed to have accepted and agreed to any such change if you access or

use the Website after the change is published on the Website. EuropeanCryptoBank also reserves

the right to block or restrict access to, or terminate, withdraw or suspend use of the

Website or any part of the Website. EuropeanCryptoBank will not be liable for any loss which may be

incurred as a result of such action.

20.7. EuropeanCryptoBank reserves the right to disable any links which in its opinion, contain information,

images, representations or other material of an inappropriate, defamatory, obscene,

indecent or unlawful nature, or that violate any law or any public, privacy, intellectual

property or other proprietary right; or have not been authorized by us.


21.1. The URLs representing the Website, “EuropeanCryptoBank” and all related logos of our services

described in our Website are either copyrighted by EuropeanCryptoBank and are trademarks of

EuropeanCryptoBank. In addition, all page headers, custom graphics, design, button icons, scripts,

source code, content are copyrighted by EuropeanCryptoBank. You may not copy, imitate, modify,

alter, amend or use them without our prior written consent. All the content indicated in

the Website, the Whitepaper and any content thereon is the exclusive property of

EuropeanCryptoBank. You may not download, reproduce, or retransmit any information, other than

for non-commercial individual use.

21.2. All intellectual property rights comprised in the information, text, graphics, logos, images,

audio clips, patents, trademarks, trademark registrations, trade names, data

compilations, scripts, software, computer code, design, technology, sound or any other

materials or works found in the Website shall vest in and remain with EuropeanCryptoBank. You are

permitted to download and print such materials from the Website for personal and noncommercial

use provided that you do not breach this Agreement.

21.3. You are not permitted to copy, transfer, distribute, reverse compile, adapt, modify,

reproduce, republish, display, broadcast, hyperlink or transmit in any manner or by any

means or store in any information retrieval system, any part of the Website without the

prior written permission of EuropeanCryptoBank.


22.1. You attest that you are not a criminal, are not associated with any criminal activity, and

that all funds that are used by you in connection with the ICO and ECB TOKENS purchase are free

from any criminal association, are not the proceeds of crime, and are not derived from

any criminal activity.

22.2. By participating in the ICO and buying ECB TOKENS hereunder you represent and warrant that

your funds in no way came from illegal or unethical sources, that you are not using any


proceeds of criminal or illegal activity, and that no transaction involving ECB TOKENS are being

used to facilitate any criminal or illegal activity.

22.3. You hereby certify to us that any funds used by you in connection with participation in

the ICO are either owned by you or that you are validly authorized to carry out

transactions using such funds.

22.4. You represent and warrant that you have such knowledge and experience in financial

and business affairs as to be capable of evaluating the merits and risks purchasing

cryptocurrencies and specifically ECB TOKENS and are able to bear the economic risk of total loss

of such purchase.


23.1. The term of this Agreement is for a period of time when you successfully register for the

Account until this Agreement is terminated for whatever reason. Account cancellation

shall mean the Agreement termination.

23.2. At any time and for any reason in its sole discretion EuropeanCryptoBank may terminate this

Agreement, your access to the ICO and/or the Website, your Account and may halt any

pending transactions and/or funds and/or ECB TOKENS at any time without notice to you. EuropeanCryptoBank

shall have no liability or obligation for the termination of this Agreement.

23.3. In case of termination of this Agreement for any reason you will not be refunded with any

amount of ECB TOKENS.


24.1. Jurisdiction of the United States of America (including all territories of this country) is

specifically excluded from the ICO and this Agreement.

24.2. EuropeanCryptoBank reserves the right to change the jurisdiction of EuropeanCryptoBank and this Agreement at

any time in its own discretion, as well as use any parent companies, subsidiaries and/or

other affiliated companies for execution of this Agreement, EuropeanCryptoBank’s products and

services and other activities related to the ICO and EuropeanCryptoBank’s business.

24.3. The interpretation, validity and enforcement of this Agreement, and all legal actions

brought under or in connection with this Agreement, shall be governed by the law of the

British Virgin Islands.

24.4. Any disagreements or disputes of the User and EuropeanCryptoBank, arising from this Agreement,

shall be settled by negotiations between the User and EuropeanCryptoBank. In case of failure to reach

an agreement in 14 (fourteen) days, any disputes, disagreements or claims, arising from

this Agreement or related to it, its breach, dissolution or validity, that have not been

solved by the User and EuropeanCryptoBank, shall be settled in the competent court of the British

Virgin Islands. Both the User and EuropeanCryptoBank hereby submit to the exclusive jurisdiction of

the courts in the British Virgin Islands.

24.5. Any User that breaks any law in their jurisdiction of residence or nationality by using ECB tokens

or any service provided by EuropeanCryptoBank shall be liable for any damages incurred by EuropeanCryptoBank

as a result and agrees to forfeit any assets within their EuropeanCryptoBank

account, at the discretion of EuropeanCryptoBank or its employees.


25.1. You confirm that you have read this Agreement, understood its terms, conditions and


25.2. If any term, provision, covenant or restriction of this Agreement is held by a court of

competent jurisdiction to be invalid, illegal, void or unenforceable, the remainder of the

terms, provisions, covenants and restrictions set forth herein shall remain in full force

and effect and shall in no way be affected, impaired or invalidated, and the Parties hereto

shall use their commercially reasonable efforts to find and employ an alternative means


to achieve the same or substantially the same result as that contemplated by such term,

provision, covenant or restriction. It is hereby stipulated and declared to be the intention

of the Parties that they would have executed the remaining terms, provisions, covenants

and restrictions without including any of such that may be hereafter declared invalid,

illegal, void or unenforceable.

25.3. All the notices, consents and other communication of the parties related to this

Agreement shall be delivered via e-mail or registered post/courrier if EuropeanCryptoBank requests

such type of delivery.

25.4. EuropeanCryptoBank has a right to revoke this Agreement if you do not comply with the Agreement,

act in a fraudulent or illegal way, engage in unauthorized transmission and use of

personal data.

25.5. This Agreement is personal to you and it can not be transferred, assigned or delegated

to anyone. Any attempt by you to assign, transfer or delegate this Agreement and the

rights and/or obligations stipulated in this Agreement shall be null and void. EuropeanCryptoBank may

freely assign this Agreement and/or delegate its duties without consent or notice.

25.6. This Agreement together with the Whitepaper and any terms and conditions published

from time to time on the Website constitutes the entire agreement among the Parties

with respect to the subject matter hereof. No provision of the Agreement shall be

considered waived unless such waiver is in writing and signed by the Party that benefits

from the enforcement of such provision. No waiver of any provision in the Agreement,

however, will be deemed a waiver of a subsequent breach of such provision or a waiver

of a similar provision. In addition, a waiver of any breach or a failure to enforce any term

or condition of the Agreement will not in any way affect, limit, or waive a Party’s rights

hereunder at any time to enforce strict compliance thereafter with every term and

condition hereof.

25.7. You agree to refrain from making, any negative, detracting or unfavorable statements

concerning EuropeanCryptoBank, ECB tokens, any subsidiaries or affiliates, their respective business or

business endeavors, products or product history, or their respective former or present

officers, directors, agents, distributors or consultants, which may have the effect of

diminishing the reputations of EuropeanCryptoBank, ECB TOKENS, any subsidiaries or affiliates, or respective

former or present officers, directors, agents, distributors or consultants of EuropeanCryptoBank or any

subsidiaries or affiliates of its business or business endeavors.

25.8. This Agreement is not intended to create, and it shall in no way be construed as creating

a joint venture, partnership, or any other similar relationship between you and EuropeanCryptoBank.

25.9. To the extent that Agreement, the Whitepaper, any terms and conditions published from

time to time on the Website conflict with translated copies, the English version prevails

All tokens holders who bought their tokens during the ICO can’t sell or trade them before the end of ICO.If they trade or sell them, their tokens won’t be swaped and no refund is accepted by ECB.




1803 Altitude Point 71 Alie Street E1 8NG London UNITED KINGDOM​

U.K. :    +44 (0) 747.67 90.442

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Italy :    +39 (0)​​

All Rights reserved Europeancryptobank© 2017-2018

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