Terms of Service

1. Acceptance of these Terms

By accessing our website, contacting our desk (e.g., WhatsApp/Telegram/email/form), requesting an indicative quote, or completing a trade, you agree to these Terms and to our Privacy & Cookies Policy. If you do not agree, do not use our services.

2. What we do (Service Description)

• We operate an over-the-counter (OTC) crypto desk specialising in ZAR ⇄ USDT conversions.
• We provide indicative quotes, confirm trade details with you, and settle via supported rails (SA bank transfers and supported exchanges/wallets).
• We do not provide investment advice, portfolio management, or guaranteed returns.
• We do not offer custodial services; digital assets and funds are transferred only for the purpose of completing a specific trade and are not held on deposit.

3. Eligibility

You confirm that you:

• are 18+ and legally capable of entering binding contracts;
• are acting on your own behalf or have valid authority to act for a legal entity;
• are resident in, or transacting from, a permitted jurisdiction and are not a sanctioned person or otherwise restricted;
• will use the services only for lawful purposes.

We may decline or terminate service at our discretion, including for risk, compliance, or operational reasons.

4. Onboarding, KYC/AML & Screening

• We apply a risk-based KYC/AML process. You agree to provide accurate information and documents on request (e.g., ID/passport, proof of address, company docs, wallet ownership proof).
• We may conduct sanctions, watchlist, and adverse-media screening; we may request source-of-funds/source-of-wealth information for larger or higher-risk tickets.
• If information is not provided, is inaccurate, or raises concerns, we may refuse, delay, freeze, or cancel a trade and/or report as required by applicable law.
• Records (including communication logs, order details, and KYC evidence) may be retained for at least five (5) years or longer if required by law.

5. Quotes, Orders & Trade Formation

• Website prices or messages you see are indicative only. A binding order is formed only when we confirm your quote, amount, rails, and settlement details in writing (e.g., chat or email) within the validity window specified.
• If the validity window expires before we receive your confirmation or funds, the quote lapses and must be re-quoted.
• Minimums/maximums, rails, and cut-off times may apply and are communicated per trade.

6. Payments, Settlement & Proof of Payment

• ZAR → USDT (Buy): you pay ZAR to our nominated account; on receipt/confirmation, we send USDT to your nominated address/exchange.
• USDT → ZAR (Sell): you transfer USDT to our nominated address/exchange; on confirmation, we pay ZAR to your nominated bank account.
• Bank and network fees, exchange withdrawal fees, and on-chain fees may apply and are for your account unless stated otherwise.
• We may provide proof of payment (bank PoP/email confirmation or statement reference) and on-chain transaction references. Settlement timing depends on banking hours, exchange processing, blockchain conditions, and KYC status. We aim for 30–90 minutes during business hours but do not guarantee timing.

7. Cancellations & Refunds

• All sales are final once a quote is confirmed and funds or digital assets have been sent.
• Cancellations before settlement are at our discretion and may incur fees and/or re-pricing to current market levels.
• Chargebacks/recalls: if your bank or wallet provider attempts a recall/chargeback, you remain liable for any shortfall, fees, or losses we incur.

8. Fees, Rates & Taxes

• Our rates include a spread that reflects market conditions, liquidity, and ticket size. We may also charge explicit fees where applicable; these will be disclosed before you commit.
• You are responsible for all taxes (including income, gains, or VAT, if applicable) arising from your trades. We do not provide tax advice.

9. Prohibited Uses

You agree not to use our services for activities that are illegal, abusive, deceptive, or that violate sanctions/AML rules, including but not limited to fraud, market manipulation, terrorist financing, or evasion of applicable controls. We may block or report suspicious activity.

10. No Advice; Educational Content Only

Any content on our site, blog, or communications is general information. It is not financial, investment, tax, or legal advice, nor a recommendation to buy/sell any asset. You should obtain independent professional advice for your situation.

11. Risks You Accept

Trading in digital assets involves market volatility, liquidity risk, counterparty risk, technology failures, custody/wallet risks, and regulatory change. You accept these risks and confirm you have the knowledge and capacity to bear potential losses.

12. Accounts & Security (for future account features)

If we enable user accounts:

• You must keep credentials secure and notify us immediately of any unauthorised access.
• We may restrict, suspend, or close accounts that breach these Terms or pose risk.
• You remain responsible for activities under your account.

13. Communications & Records

You consent to us communicating with you via email, WhatsApp, Telegram, phone, and in-app notices. We may record or retain communications for compliance and quality purposes. Electronic records and messages are admissible as evidence of instructions and agreements.

14. Privacy & POPIA

We process personal information in accordance with POPIA principles of fairness, purpose limitation, and data minimisation. See our Privacy & Cookies Policy for details on categories of data, purposes, retention, and your rights. Some processing (e.g., screening, hosting, or analytics) may occur via service providers in other countries with appropriate safeguards.

15. Third-Party Services & Links

Our site and operations may integrate or link to third parties (banks, exchanges, payment processors, KYC providers, messaging platforms). We are not responsible for their content, availability, security, or policies. Your use of third-party services is governed by their terms.

16. Intellectual Property

All brand names, logos, site design, text, and content are the property of OneStop Crypto or its licensors. You may not copy, modify, or commercialise them without our written consent.

17. Service Availability & Changes

We may change, suspend, or discontinue any part of the website or services at any time (e.g., for maintenance, security, or legal reasons). We may update these Terms; the effective date will be shown, and continued use after changes constitutes acceptance.

18. Disclaimers

The services and site are provided "as is" and "as available" without warranties of any kind, express or implied, including fitness for a particular purpose, uninterrupted availability, or error-free operation. Indicative quotes are not offers until confirmed.

19. Limitation of Liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages; loss of profits; loss of data; or business interruption. Our total aggregate liability for any claim arising out of or relating to the services or these Terms will not exceed the total fees/spread paid to us for the relevant trade(s) in the three (3) months preceding the event.

20. Indemnity

You agree to indemnify and hold harmless OneStop Crypto, its directors, employees, and agents from any claims, losses, liabilities, damages, costs, or expenses (including reasonable attorneys' fees) arising from your breach of these Terms, unlawful use of the services, or violation of law or third-party rights.

21. Suspension, Freezing & Termination

We may suspend, delay, or freeze trades and/or terminate access where required for compliance, suspected fraud, sanctions risk, or security concerns. Where permitted, we will provide reasons; however, legal or confidentiality restrictions may limit what we can disclose.

22. Governing Law & Dispute Resolution

These Terms are governed by the laws of the Republic of South Africa.

Venue: The parties submit to the non-exclusive jurisdiction of the courts of Cape Town, Western Cape.

Optional arbitration clause: Any dispute may, by written agreement, be referred to confidential arbitration under the rules of the Arbitration Foundation of Southern Africa (AFSA) in Cape Town, in English, before a single arbitrator.

23. Notices

Official notices to us must be sent to 5 Clipperton Close, Capri, Cape Town, 7975, with a copy to support@onestopcrypto.co.za. (email copy not constituting formal service where not allowed by law). Notices to you may be sent to the last email/phone you provided or via in-app/website notice.

24. Entire Agreement; Severability; No Waiver

These Terms, together with any order confirmation and our Privacy & Cookies Policy, constitute the entire agreement regarding your use of the services. If any provision is unenforceable, the remainder remains in effect. A failure to enforce a provision is not a waiver.

25. Contact

Questions about these Terms: support@onestopcrypto.co.za