Terms of Service

1. Acceptance of Terms

Welcome to INFRA Holdings. These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and INFRA Holdings and its subsidiaries ("INFRA," "we," "us," or "our") governing your access to and use of our financial technology platforms and services.

By creating an account, accessing, or using any INFRA service—including INFRA Core, INFRACOINN, INFRA Compliance, and the INFRA Campus (NFIE Panama)—you agree to be bound by these Terms.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age or the age of legal majority in your jurisdiction
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using financial services under applicable laws
• Not be located in or a resident of any sanctioned jurisdiction
• Provide accurate and complete information during registration
• Complete all required identity verification procedures (KYC)

3. Account Registration and Security

3.1 Account Creation

To access certain features, you must create an account by providing accurate, current, and complete information. You agree to update your information promptly to maintain its accuracy.

3.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Immediately notifying us of any unauthorized access
• Enabling multi-factor authentication when available

3.3 Identity Verification

As a regulated financial services provider, we are required to verify your identity. You agree to provide all requested documentation and information for Know Your Customer (KYC) and Anti-Money Laundering (AML) compliance.

4. Our Services

INFRA provides a suite of institutional infrastructure services:

• INFRA Core: Digital banking infrastructure (forward-looking; not a licensed bank)
• INFRACOINN: Real-world asset (RWA) tokenization infrastructure
• INFRA Compliance: Risk, KYC/AML and sanctions-screening layer
• INFRA Campus (NFIE Panama): Institutional campus development (conceptual)

Each service may have additional terms and conditions specific to its use.

5. Fees and Payments

You agree to pay all applicable fees associated with your use of our services:

• Transaction fees as disclosed at the time of each transaction
• Subscription or platform fees as specified in your service agreement
• Currency conversion fees for cross-border transactions
• Any applicable taxes or regulatory charges

We reserve the right to modify our fee structure with 30 days' advance notice. Current fee schedules are available on each platform's dashboard.

6. Prohibited Activities

You agree NOT to use our services for:

• Any illegal activity or in violation of applicable laws
• Money laundering, terrorist financing, or sanctions evasion
• Fraud, identity theft, or unauthorized access
• Market manipulation or insider trading
• Circumventing security measures or access controls
• Distributing malware, viruses, or harmful code
• Interfering with the operation of our platforms
• Reverse engineering or attempting to extract source code
• Using automated systems or bots without authorization
• Violating the intellectual property rights of others

7. Intellectual Property

All content, features, and functionality of our services—including but not limited to software, text, graphics, logos, icons, images, and the INFRA brand—are owned by INFRA Holdings or its licensors and are protected by intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use our services for their intended purposes. This license does not include any right to copy, modify, distribute, or create derivative works.

8. Disclaimers

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INFRA HOLDINGS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from unauthorized access to your account
• Losses resulting from market volatility or trading decisions
• Service interruptions or system failures beyond our control

Our total liability shall not exceed the greater of: (a) the fees paid by you in the 12 months preceding the claim, or (b) $1,000 USD.

10. Indemnification

You agree to indemnify, defend, and hold harmless INFRA Holdings, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of or related to: (a) your use of our services; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) your negligence or willful misconduct.

11. Dispute Resolution

11.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Panama, without regard to conflict of law principles.

11.2 Arbitration

Any dispute arising from these Terms or your use of our services shall be resolved through binding arbitration administered by the International Chamber of Commerce (ICC) in Panama City, Panama. The arbitration shall be conducted in English.

12. Termination

We may suspend or terminate your access to our services at any time for any reason, including but not limited to:

• Violation of these Terms or applicable laws
• Failure to complete required verification
• Suspected fraudulent or illegal activity
• Request by law enforcement or regulatory authorities
• Extended periods of inactivity

Upon termination, you remain liable for all obligations incurred prior to termination. You may withdraw remaining funds subject to applicable verification and compliance requirements.

13. Changes to These Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or platform notification at least 30 days before taking effect. Your continued use of our services after such changes constitutes acceptance of the updated Terms.

14. Contact Information

For questions about these Terms, please contact us: