Terms of Service

1. Agreement to Terms

By accessing or using Buffer Finance's services, including our website at buffer.cash, dashboard at app.buffer.cash, APIs, and related services (collectively, the “Services”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you may not use our Services.

These Terms constitute a legally binding agreement between you and Buffer Finance Inc. (“Buffer Finance,” “we,” “us,” or “our”). We may update these Terms from time to time. Your continued use of the Services after any changes constitutes acceptance of the new Terms.

2. Eligibility

To use the Services, you must be at least 18 years old and have the legal capacity to enter into binding contracts. If you are using the Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

You must complete our identity verification process (KYC) before accessing certain features, including currency accounts, FX services, and payment processing.

3. Account Registration

You must provide accurate, current, and complete information during registration and keep your account information updated. You are responsible for maintaining the confidentiality of your account credentials, including API keys and access tokens.

You are responsible for all activities that occur under your account. You must notify us immediately of any unauthorized access or use of your account.

4. Services Description

Buffer Finance provides global treasury and banking infrastructure for businesses. Our Services include:

• Multi-currency account creation and management
• Cross-border payments and transfers
• Foreign exchange (FX) conversion and hedging
• Treasury yield on idle balances
• Stablecoin on/off ramp services
• Borrowing against collateral
• Invoicing in multiple currencies
• AI-powered treasury assistant
• API access for programmatic integration
• Dashboard for account management

Banking and custody services are provided by our licensed banking partners in accordance with applicable regulations. We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time.

5. Acceptable Use

You agree to use the Services only for lawful purposes and in accordance with these Terms. You must not:

• Use the Services for any illegal activities, including fraud or money laundering
• Process payments for prohibited goods or services
• Attempt to circumvent security measures or access controls
• Share account credentials or API keys with unauthorized parties
• Interfere with or disrupt the Services or related infrastructure
• Reverse engineer, decompile, or attempt to extract source code
• Use the Services in any way that could harm Buffer Finance, our partners, or other users

6. Foreign Exchange and Treasury Services

When using Buffer Finance's FX and treasury services:

• FX rates are variable and subject to market conditions. Quoted rates may change before execution.
• Forward contracts and hedging instruments involve risk, including the possibility that actual market rates may be more favorable than locked-in rates.
• Yield on idle balances is variable, not guaranteed, and may fluctuate based on market conditions.
• Funds used to generate yield are not FDIC insured, not bank guaranteed, and may lose value.
• Stablecoin transactions may be irreversible. Digital assets are not bank deposits and are not covered by government-backed insurance.
• You are responsible for understanding the risks associated with FX, treasury, and digital asset services before using them.

7. Fees and Billing

Fees for the Services are described on our pricing page and in your service agreement. You agree to pay all applicable fees, including:

• Platform fees based on your plan tier
• Transaction fees for payments and transfers
• FX conversion spreads
• Account maintenance fees where applicable

Fees are non-refundable except as required by law. We may change our fees with 30 days notice. Failure to pay fees may result in suspension or termination of your account.

8. Intellectual Property

The Services and all related content, features, and functionality are owned by Buffer Finance and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our prior written consent.

We grant you a limited, non-exclusive, non-transferable license to use the Services in accordance with these Terms. This license terminates when your account is closed or these Terms are terminated.

9. Disclaimers

The Services are provided “as is” and “as available” without warranties of any kind, express or implied. We do not warrant that the Services will be uninterrupted, error-free, or secure.

Buffer Finance is a financial technology company, not a bank or FDIC-insured depository institution. We are not responsible for the actions of banking partners, third-party services, or counterparties. You use the Services at your own risk.

10. Limitation of Liability

To the maximum extent permitted by law, Buffer Finance shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising from your use of the Services.

Our total liability for any claims arising from these Terms or the Services shall not exceed the fees you paid to us in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless Buffer Finance and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Services or your violation of these Terms.

12. Termination

You may terminate your account at any time by contacting us. We may suspend or terminate your access to the Services at any time for any reason, including violation of these Terms.

Upon termination, your right to use the Services ceases immediately. We may retain certain data as required by law or for legitimate business purposes.

13. Identity Verification Services

Buffer Finance contracts with third-party service providers to provide identity verification and know-your-customer (KYC) services. You acknowledge and agree that:

• KYC providers are not parties to these Terms and have no direct liability to you
• KYC providers retain all intellectual property rights in their services, databases, and proprietary technology
• You will not reverse engineer, decompile, or attempt to derive source code from any KYC provider systems
• You will use KYC Services only for identity verification purposes permitted under applicable law

14. Force Majeure

Neither party will be liable for any failure or delay in performing its obligations under these Terms (except for payment obligations) where such failure or delay results from circumstances beyond the party's reasonable control.

Such circumstances include, but are not limited to: acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, epidemics, strikes, power outages, internet or telecommunications failures, or actions by banking partners or regulatory authorities.

15. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles. Any disputes arising from these Terms shall be resolved exclusively in the state or federal courts located in Delaware.

16. Contact Us

If you have questions about these Terms, please contact us at: