Terms and Conditions

Last updated: 04 March 2026

1.1 These terms and conditions (the Terms) set out the basis on which you may access and use the Orchid website, web application, mobile application and any related interfaces, dashboards, APIs and support tools made available by Orchid (together, the Platform).
1.2 These Terms explain, among other things:
(a) how you may access and use the Platform;
(b) the respective roles of Eiva Consulting Limited trading as Orchid, Kanzum Pay Limited and other service partners;
(c) how certain payment, foreign exchange, account, card and related financial services may be made available through or in connection with the Platform;
(d) how any cryptoasset or digital-asset services, if offered, may be made available through third-party providers; and
(e) important legal rights, restrictions, disclosures and risk warnings that apply to your use of the Platform.
1.3 These Terms are to be read together with the following documents, each as amended from time to time:
(a) the Orchid Privacy Policy;
(b) the Orchid Fee Schedule in Appendix B;
(c) the Orchid Crypto Risk Disclosure in Appendix C, where Crypto Services are made available;
(d) the Orchid Acceptable Use Policy in Appendix D; and
(e) any Partner Terms and product-specific disclosures presented to you in connection with a particular service, provider, region or product flow.
1.4 Together, these Terms and the documents referred to in Clause 1.3 form the agreement between you and Orchid in respect of your use of the Platform and any Orchid-provided services (the Agreement).
1.5 In the event of any conflict or inconsistency:
(a) between these Terms and the Partner Terms in relation to a service provided by Kanzum or another Service Partner, the Partner Terms and any mandatory product disclosures for that service shall prevail to the extent of the conflict;
(b) between these Terms and the Orchid Privacy Policy, the document that more specifically governs the relevant data-processing issue shall prevail to the extent of the inconsistency; and
(c) between the body of these Terms and an Appendix, the body of these Terms shall prevail unless the Appendix expressly states otherwise.
1.6 The Platform is operated by Eiva Consulting Limited, trading as Orchid, a company incorporated in Jersey, Channel Islands under registration number 164299, with registered address at Glendale, Green Road, St. Clement, JE2 6QA, Jersey (Orchid, we, us, our).
1.7 Certain regulated payment and related financial services made available through or in connection with the Platform are provided under the legal and regulatory framework of Kanzum Pay Limited, a company registered in British Columbia, Canada under company number BC1400258, with registered address at 305 Suite, South Tower, 5811 Cooney Road, Richmond, BC V6X 3M1, Canada (Kanzum), and/or duly authorised Banking Partners or other Service Partners. Those services may be subject to additional Partner Terms and regulatory disclosures.
1.8 References to you and your in these Terms are to:
(a) a natural person using the Platform for their own purposes (Individual User); or
(b) a legal entity or other organisation using the Platform (Business User).
1.9 Where a clause applies only to Individual Users, only to Consumers or only to Business Users, this is expressly stated.
1.10 By clicking I agree, Accept or a similar button, creating an account, accessing or using the Platform, or otherwise indicating acceptance, you acknowledge that you have read, understood and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Platform.

2.1 In these Terms, the following expressions have the meanings set out below:
"Banking Partners" means duly authorised banks, payment institutions, e-money institutions, card issuers, settlement providers or other regulated financial institutions that provide services in connection with Fiat Services.
"Business Day" means a day other than a Saturday, Sunday or public holiday on which banks are generally open for business in Jersey and, where relevant to the service flow, in the jurisdiction of the relevant Service Partner.
"Consumer" means an Individual User acting wholly or mainly for purposes outside that person's trade, business or profession.
"Credentials" means usernames, passwords, one-time codes, API keys, device credentials, security tokens, biometric factors or other authentication methods used to access the Platform.
"Crypto Partners" means one or more third-party providers of cryptoasset or digital-asset services whose services are made available to you via or in connection with the Platform.
"Crypto Services" means services involving the buying, selling, exchanging, transferring, staking, holding, custody or other dealing in cryptoassets or digital assets, where and to the extent made available through the Platform or associated service flows.
"Fiat Services" means payment, account, e-money, card, FX, settlement and other fiat-money services made available through or in connection with the Platform by Kanzum and/or Banking Partners.
"Partner Terms" means the terms and conditions, product terms, privacy notices, disclosures, acceptable-use policies and other contractual documentation issued by Kanzum, Banking Partners, Crypto Partners or other Service Partners whose services you access via or in connection with the Platform.
"Service Partners" means Kanzum, the Banking Partners, the Crypto Partners and any other third-party providers whose services you access through or in connection with the Platform.
"User" means an Individual User or Business User, as the context requires.
2.2 Headings are for convenience only and do not affect interpretation. Words in the singular include the plural and vice versa. References to including or includes mean including without limitation.

3.1 Orchid provides and operates the Platform as a technology, interface, onboarding, workflow and support layer. Unless expressly stated otherwise for a specific product, Orchid is your contractual counterparty for access to and use of the Platform itself.
3.2 Kanzum and/or the relevant Banking Partners provide regulated payment and related financial services in their own name, under their own legal and regulatory framework, and in accordance with the applicable Partner Terms.
3.3 Where Crypto Services are made available, those services are provided by the relevant Crypto Partner in accordance with the applicable Partner Terms and product-specific disclosures.
3.4 Orchid may, depending on the service flow:
(a) collect onboarding information and supporting documentation;
(b) transmit instructions, data and documents to Kanzum and other Service Partners;
(c) display account, balance, payment, card, foreign exchange, crypto and reporting information supplied by Service Partners;
(d) provide customer support in relation to the Platform and coordinate with Service Partners regarding service issues; and
(e) provide certain ancillary non-regulated services such as dashboards, reporting, reconciliations, integrations, business tools and workflow automation.
3.5 Unless expressly stated otherwise in a specific product flow or mandatory disclosure:
(a) Orchid is not a bank;
(b) Orchid does not accept deposits;
(c) Orchid does not provide investment advice, portfolio management or personal recommendations;
(d) Orchid does not operate a trading venue or exchange; and
(e) Orchid does not itself hold customer fiat funds or cryptoassets, except to the extent expressly disclosed for a particular service.
3.6 Where a service is provided by a Service Partner, that Service Partner is responsible for the relevant regulated, operational and legal aspects of that service, including account opening, transaction execution, safeguarding or custody arrangements, screening, reporting, service-specific complaints handling and any mandatory disclosures required under its own legal framework.
3.7 You must read and accept any applicable Partner Terms before using the relevant service. Orchid may condition access to a particular feature or provider on your acceptance of such Partner Terms.
3.8 Orchid is not responsible for any decision by Kanzum or another Service Partner to approve, reject, restrict, suspend, terminate or condition a service, account, transaction or corridor, except to the extent the issue results directly from Orchid's own breach of these Terms or its own wilful misconduct.

4.1 Unless expressly notified otherwise, these Terms govern your relationship with Orchid in relation to the Platform irrespective of your country of residence, nationality, place of incorporation or principal place of business.
4.2 Your use of the Platform and of the services made available through it may be subject to local laws and regulatory requirements in your country or in other relevant jurisdictions. Nothing in these Terms is intended to exclude or limit any mandatory rights or protections that apply under such laws.
4.3 You must promptly notify us if you change your country of residence, nationality, place of incorporation, principal place of business, beneficial ownership or other information relevant to eligibility, sanctions, tax, licensing, consumer-protection or compliance assessments.
4.4 Orchid and/or the relevant Service Partners may restrict or disable access to the Platform or to particular services in certain jurisdictions or for certain user categories where required or reasonably necessary for legal, regulatory, sanctions, risk or operational reasons.

5.1 To use the Platform:
(a) an Individual User must be at least 18 years old (or any higher age required by applicable law), have full legal capacity and not be prohibited from using the Platform or relevant services under applicable law;
(b) a Business User must be duly incorporated or otherwise validly established and must ensure that any person accepting these Terms or using the Platform on its behalf is duly authorised to do so.
5.2 You must provide true, accurate, complete and up-to-date information at onboarding and thereafter whenever requested by Orchid, Kanzum or any other Service Partner, including information required for know-your-customer, know-your-business, source-of-funds, source-of-wealth, sanctions, anti-money laundering, counter-terrorist financing, fraud-prevention, tax and risk assessments.
5.3 You must promptly notify us of any material change to your information, including changes in name, address, directors, controllers, beneficial owners, authorised users, business activities, licensing status, source of funds or anticipated transaction profile.
5.4 Orchid and the Service Partners may request additional information or documentation at any time and may suspend, reject or terminate access where necessary to comply with legal, regulatory, security or internal risk requirements.
5.5 We are not required to disclose detailed reasons for a refusal, restriction or termination where doing so would be unlawful, would prejudice fraud-prevention or security measures, or would conflict with obligations owed to a regulator, law-enforcement authority or Service Partner.

6.1 You may be required to create an account and use Credentials to access the Platform.
6.2 You are responsible for maintaining the confidentiality and security of your Credentials and for all activity carried out through your account or using your Credentials, except to the extent caused by our own failure to maintain reasonable security over systems under our control.
6.3 Business Users must ensure that only duly authorised personnel, contractors or representatives access the Platform on their behalf, and remain responsible for their acts and omissions as if they were the acts and omissions of the Business User itself.
6.4 You must notify Orchid promptly at support@orchid.ch if you know or reasonably suspect that your Credentials have been lost, stolen, misused or compromised, or that an unauthorised person has accessed or may access your account.
6.5 Orchid may, without liability, suspend or disable access to the Platform where we reasonably suspect unauthorised access, fraud, misuse, a security incident, a breach of these Terms or any requirement to do so arising from law, a regulator or a Service Partner.
6.6 You are responsible for ensuring that the devices, software, APIs and network connections you use to access the Platform are secure, supported and appropriately protected, including by using current software versions, security patches and access controls.

7.1 Subject to these Terms, Orchid may provide access to Platform functionality including:
(a) account and user administration;
(b) onboarding, document upload and compliance workflows;
(c) dashboards, reporting, notifications and alerts;
(d) interfaces enabling you to submit, view or manage instructions for services provided by Service Partners;
(e) reconciliations, integrations and other ancillary business tools; and
(f) customer support relating to the Platform and, where appropriate, coordination with Service Partners.
7.2 Transaction execution, onboarding outcomes, cut-off times, currency availability, settlement windows, card functionality, crypto execution, withdrawals, limits and other service functionality may depend on Service Partners and may be delayed, suspended, refused or reversed where required by law, sanctions, fraud controls, market conditions, liquidity, technical limitations or partner instructions.
7.3 Unless expressly agreed otherwise, any timings shown on the Platform are indicative only and are not guaranteed.
7.4 Orchid may modify, enhance, suspend, discontinue or replace any aspect of the Platform where reasonably necessary, including to maintain security, improve functionality, comply with law, implement partner requirements, address defects or discontinue a product line.
7.5 The Platform is provided on an as available basis. We do not guarantee uninterrupted availability or that every feature will be available in every jurisdiction, currency, corridor or product configuration.

8.1 Any Fiat Services made available through or in connection with the Platform are provided directly by Kanzum and/or the relevant Banking Partners under the applicable Partner Terms.
8.2 The relevant Service Partner is responsible, as applicable, for account issuance, e-money issuance and redemption, payment execution, settlement, safeguarding, FX execution, chargeback handling, card issuing, account statements, compliance controls, transaction monitoring and service-specific complaints handling.
8.3 Unless expressly stated otherwise in the applicable Partner Terms, funds held in connection with Fiat Services may be held as safeguarded funds or in operational accounts and may not benefit from any deposit guarantee or compensation scheme applicable to traditional bank deposits.
8.4 Where safeguarding applies, funds are held by or through the relevant regulated provider or its authorised banking partners in accordance with the legal and operational framework applicable to that service. Orchid does not itself hold such safeguarded funds unless expressly disclosed otherwise.
8.5 Orchid may display balances, account information, payment status, FX quotations and transaction history based on data received from Service Partners. In the event of a discrepancy, the records of the relevant Service Partner will prevail unless manifestly incorrect.
8.6 Exchange rates displayed on the Platform may be indicative until a transaction is confirmed or executed. The rate actually applied may differ because of market movement, spread, mark-up, partner pricing, timing differences or corridor-specific costs.
8.7 Payment recalls, reversals, chargeback responses and recovery attempts are not guaranteed and may depend on the rules of banks, schemes, intermediaries, counterparties and the applicable Partner Terms.
8.8 Certain currencies, jurisdictions, payment corridors, counterparties or transaction types may be restricted, enhanced reviewed or unavailable from time to time.

9.1 This Clause 9 and Appendix C apply only if Crypto Services are made available to you through or in connection with the Platform.
9.2 Any Crypto Services are provided directly by the relevant Crypto Partner in accordance with its Partner Terms and product-specific disclosures.
9.3 Orchid does not issue cryptoassets, operate a crypto exchange or trading venue, provide investment advice or recommendations, or act as custodian of cryptoassets unless expressly disclosed otherwise for a specific service.
9.4 Cryptoassets held for you in connection with Crypto Services may be held by the relevant Crypto Partner or its appointed custodian, including in omnibus or pooled wallets or on internal ledgers. You may not receive a unique on-chain address or control the private keys, except where the product specifically provides otherwise.
9.5 The records maintained by the relevant Crypto Partner or its custodian will constitute the definitive record of your crypto holdings, transaction history and associated rights, subject to applicable law.
9.6 Networks, protocols and software supporting cryptoassets may be subject to forks, airdrops, consensus changes, upgrades, outages or other events. Orchid has no control over such events. The relevant Crypto Partner may decide, subject to its own policies, technical feasibility and applicable law, whether and how to support, list, credit or distribute any resulting assets or rights.
9.7 The legal and regulatory status of cryptoassets varies by jurisdiction and may change rapidly. Cryptoassets may not benefit from the protections that apply to bank deposits, e-money or regulated investment products.
9.8 Before using any Crypto Services, you must read Appendix C and the applicable Partner Terms and satisfy yourself that you understand the relevant risks.

10.1 This Clause 10 applies where you are a Consumer.
10.2 Nothing in these Terms is intended to exclude or limit any rights that you have as a Consumer under mandatory law, including the mandatory laws of your country of habitual residence where those laws apply.
10.3 If any provision of these Terms would be invalid or unenforceable against you as a Consumer, that provision shall apply only to the extent permitted by applicable law and the remainder of these Terms shall continue in effect.
10.4 Before you use a regulated service, Orchid and/or the relevant Service Partner may provide pre-contractual information, disclosures, fee information and rights notices through the Platform, through Partner Terms or through separate product disclosures. You should read those documents carefully.
10.5 Complaints relating to the Platform should be addressed to Orchid in accordance with Clause 22. Complaints relating primarily to a regulated service should be addressed to the relevant Service Partner in accordance with the applicable Partner Terms.

11.1 Fees and charges applicable to your use of the Platform and to services accessed through the Platform are set out in Appendix B and, where relevant, in the applicable Partner Terms or on-screen transaction disclosures.
11.2 By using the Platform and the relevant services, you authorise Orchid and the relevant Service Partners to deduct from your balances or from transaction amounts all applicable fees, charges, spreads, mark-ups, taxes and out-of-pocket costs that are properly payable under these Terms, the applicable Partner Terms or the relevant transaction disclosure.
11.3 Orchid may amend Appendix B from time to time in accordance with Clause 20. Variable fees, spreads or partner charges may also change in real time depending on market conditions, scheme costs, partner pricing, corridor availability, card type, transaction profile or risk review.
11.4 Unless expressly stated otherwise, rates and prices displayed on the Platform are indicative until confirmed or executed.
11.5 You are solely responsible for determining and fulfilling your tax obligations arising from your use of the Platform and any services made available through it, including any direct or indirect taxes, reporting obligations, withholding obligations or tax filings.

12.1 You must not use the Platform or any service accessible through it:
(a) in any unlawful, fraudulent, deceptive or abusive manner;
(b) in breach of sanctions, anti-money laundering, counter-terrorist financing, anti-bribery, export-control or similar laws;
(c) in connection with any prohibited or restricted activity described in Appendix D, in the Partner Terms or in any compliance notice communicated to you;
(d) to interfere with, probe, disrupt, damage or gain unauthorised access to any system, account, device, data, API or security control; or
(e) in a manner that infringes intellectual property, confidentiality, privacy or other rights of Orchid, a Service Partner or any third party.
12.2 Orchid and the Service Partners may monitor activity on the Platform and may request additional information or documentation to assess compliance, fraud, security and risk issues.
12.3 A breach of this Clause 12 or Appendix D may result in refusal, suspension, termination, reporting to authorities or any other action permitted by these Terms or applicable law.

13.1 The Platform may provide access to or integrate with third-party services, tools, APIs, card processors, banks, payment methods, accounting systems, ERP systems or identity-verification tools. Your use of such services may be subject to separate terms and policies.
13.2 Orchid does not guarantee the availability, performance or outcome of any third-party funding method, payment rail, card scheme, banking connection or external service and is not liable for losses caused solely by the acts, omissions or insolvency of such third parties, except to the extent required by law or caused by Orchid's own breach of these Terms.
13.3 Third-party providers may share data with Orchid and the Service Partners where necessary to operate the Platform and the relevant service flows. Such data will be processed in accordance with the Orchid Privacy Policy and any applicable third-party privacy notices.

14.1 All intellectual property rights in and to the Platform, including software, source code, APIs, interfaces, text, graphics, logos, trade marks, designs, documents, reports and related materials, are owned by Orchid or its licensors.
14.2 Subject to your continued compliance with these Terms, Orchid grants you a non-exclusive, non-transferable, revocable, limited licence to access and use the Platform for your own personal use or internal business purposes, solely for the purposes contemplated by these Terms and the applicable Partner Terms.
14.3 You must not:
(a) copy, modify, adapt, translate, create derivative works from, decompile, reverse engineer or otherwise attempt to derive source code from the Platform, except to the extent a restriction is prohibited by applicable law;
(b) remove, obscure or alter any copyright, trade mark or proprietary notice;
(c) use Orchid's trade names, logos or marks without prior written consent; or
(d) use the Platform to build, train or improve a competing product or service except to the extent expressly authorised by us in writing.
14.4 All rights not expressly granted are reserved.

15.1 Orchid will process personal data in accordance with the Orchid Privacy Policy. By using the Platform, you acknowledge that Orchid will process personal data as described in that policy.
15.2 Kanzum and other Service Partners may process personal data under their own privacy notices, legal obligations and regulatory framework. You are responsible for reviewing any applicable Partner Terms and privacy notices.
15.3 You authorise Orchid to share information and documentation you provide, including personal data, corporate records, transaction information and KYC or KYB documentation, with Kanzum and other Service Partners where necessary for onboarding, eligibility assessment, provision of services, fraud prevention, sanctions screening, AML compliance, risk management, complaint handling, audit and legal or regulatory compliance.
15.4 Where you provide personal data relating to another individual, such as a director, beneficial owner, authorised user, employee or counterparty, you confirm that you have a lawful basis to provide that data and to authorise its processing as contemplated by these Terms and the Orchid Privacy Policy.

16.1 The Platform is provided on an as is and as available basis.
16.2 Subject always to Clause 17, Orchid does not warrant that the Platform will be uninterrupted, error-free, available in every jurisdiction or free from vulnerabilities.
16.3 Information, market data, FX rates, crypto prices, analytics, notifications and commentary made available on the Platform are for general information only unless expressly stated otherwise. They do not constitute legal, tax, investment, accounting or financial advice or a recommendation to enter into any transaction.
16.4 Orchid may rely on data and services supplied by Service Partners and other third parties. Orchid is not responsible for inaccuracies or interruptions originating solely from such third parties, except to the extent required by law or caused by Orchid's own breach of these Terms.
16.5 Nothing in these Terms excludes or limits any warranty, condition or liability that cannot lawfully be excluded or limited.

17.1 Nothing in these Terms excludes or limits liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot lawfully be excluded or limited.
17.2 The provisions of Clauses 17.3 to 17.5 apply only to Business Users.
17.3 To the fullest extent permitted by law, Orchid shall not be liable to a Business User for any indirect, incidental, special, punitive or consequential loss, or for any loss of profit, revenue, business, opportunity, goodwill, anticipated savings or data, in each case whether arising in contract, tort, breach of statutory duty or otherwise, even if foreseeable.
17.4 Orchid shall not be liable to a Business User for losses resulting from:
(a) the acts or omissions of Kanzum, a Banking Partner, a Crypto Partner or another third party providing a service to you;
(b) the refusal, delay, reversal, freeze, block or termination of a transaction, service or account by a Service Partner or competent authority;
(c) market movements, exchange-rate changes, slippage, volatility, forks or network events;
(d) your own breach of these Terms, the Partner Terms or applicable law; or
(e) downtime, outages or interruptions caused by external infrastructure, telecommunications, banking rails, internet providers, schemes or force majeure events, except to the extent directly caused by Orchid's own wilful misconduct.
17.5 Subject to Clause 17.1, Orchid's aggregate liability to a Business User arising out of or in connection with these Terms shall not exceed the greater of (i) USD 1,000 and (ii) the total amount of Platform fees actually paid by that Business User to Orchid during the 12 months immediately preceding the event giving rise to the claim.
17.6 Clauses 17.7 and 17.8 apply only to Consumers.
17.7 Orchid is liable to a Consumer only for losses that are a reasonably foreseeable result of Orchid's breach of these Terms or failure to use reasonable care and skill. Orchid is not liable for business losses suffered by a Consumer.
17.8 Orchid is not responsible for losses caused by events outside its reasonable control, including the acts or omissions of Service Partners and other third parties, network failures, market events or force majeure, except to the extent required by mandatory law.

18.1 This Clause 18 applies only to Business Users.
18.2 The Business User shall indemnify and hold harmless Orchid against losses, liabilities, damages, costs and expenses (including reasonable legal fees) suffered or incurred by Orchid arising out of or in connection with:
(a) the Business User's breach of these Terms;
(b) misuse of the Platform by the Business User or its personnel, contractors or authorised users;
(c) any inaccurate, misleading or unlawful information, instruction or content provided through the Platform by or on behalf of the Business User; or
(d) any claim by a third party, including a Service Partner, arising from the matters described in paragraphs (a) to (c),
except to the extent that the relevant loss was caused directly by Orchid's own negligence, wilful misconduct or breach of these Terms.

19.1 Orchid may, without liability, suspend or restrict your access to all or part of the Platform immediately if Orchid reasonably suspects fraud, unauthorised use, security issues, sanctions exposure, a breach of these Terms or a need to do so arising from law, a regulator or a Service Partner.
19.2 Either party may terminate these Terms for convenience by giving not less than 30 days' written notice to the other, unless a longer period is required by applicable law or by a separate written agreement.
19.3 Termination of these Terms does not of itself terminate any Partner Terms between you and a Service Partner, which will continue in accordance with their own provisions unless separately terminated.
19.4 Orchid may retain information after termination to the extent required by law, the Orchid Privacy Policy, the Partner Terms or legitimate business needs such as complaint handling, audit, fraud prevention or enforcement of rights.
19.5 Any provisions of these Terms which by their nature should survive termination shall survive, including Clauses 11, 14, 15, 16, 17, 18, 21, 22 and the Appendices.

20.1 Orchid may amend these Terms from time to time, including to reflect changes in the Platform, law, regulation, risk policy, Service Partners or operational arrangements.
20.2 We will make the latest version available on the Platform and, where required or appropriate, provide additional notice of material changes by email, in-app message or another reasonable method before they take effect.
20.3 If you do not agree to an updated version of these Terms, you must stop using the Platform before the updated Terms take effect. Continued use of the Platform after that date constitutes acceptance of the updated Terms.

21.1 These Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them, their subject matter or formation are governed by the laws of Jersey, Channel Islands.
21.2 Subject to Clause 21.3, the courts of Jersey, Channel Islands have exclusive jurisdiction to settle any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with these Terms, their subject matter or formation.
21.3 If you are a Consumer, nothing in these Terms limits any mandatory right you may have to bring proceedings in the courts of your country of habitual residence or to rely on mandatory consumer protections available under applicable law.

22.1 If you have questions or concerns regarding the Platform or these Terms, you may contact Orchid at support@orchid.ch or write to Eiva Consulting Limited, Glendale, Green Road, St. Clement, JE2 6QA, Jersey, Channel Islands.
22.2 If you have a complaint relating to the Platform, you should contact Orchid in the first instance. We will handle complaints in a fair and timely manner and will seek to acknowledge and investigate complaints within a reasonable period, taking into account the nature and complexity of the matter.
22.3 Complaints relating primarily to regulated payment or financial services should be directed to Kanzum or the relevant Service Partner in accordance with the applicable Partner Terms and product-specific complaints procedure. Where applicable law grants a right to escalate a complaint to a regulator or external dispute-resolution body, the relevant Partner Terms or mandatory disclosure will describe that route.
22.4 Orchid may coordinate with Kanzum or another Service Partner in order to investigate or resolve a complaint where the issue spans multiple providers or both Platform and service layers.

A1. Overview
Orchid is the Platform provider. Kanzum and other Service Partners provide certain regulated or specialist services that may be accessed through or in connection with the Platform. The precise provider for a given service, product flow or jurisdiction will be disclosed in the Platform, in the applicable Partner Terms or in product-specific documentation.
A2. Orchid
Legal name: Eiva Consulting Limited
Trading name: Orchid
Registered jurisdiction: Jersey, Channel Islands
Registration number: 164299
Registered address: Glendale, Green Road, St. Clement, JE2 6QA, Jersey
Role: operator of the Platform, provider of interface, workflow, support and ancillary non-regulated services, and contractual counterparty for these Terms unless expressly stated otherwise.
A3. Kanzum
Legal name: Kanzum Pay Limited
Registered jurisdiction: British Columbia, Canada
Company number: BC1400258
Registered address: 305 Suite, South Tower, 5811 Cooney Road, Richmond, BC V6X 3M1, Canada
Role: provider, directly or through applicable partner arrangements, of certain regulated payment and related financial services made available through or in connection with the Platform, subject to its own terms, disclosures and regulatory framework.
A4. Banking Partners and other Service Partners
Banking Partners, card issuers, verification providers, payment-service providers, settlement institutions, Crypto Partners and other Service Partners may be added, replaced, removed or made available only in certain product flows or jurisdictions. Where a service is provided by such a partner, the identity of the provider and the relevant Partner Terms will be made available before or at the point of use.
A5. Safeguarding, custody and complaints
Where customer funds are safeguarded or cryptoassets are custodied, the relevant arrangements are determined by the service provider responsible for the relevant product flow and by the applicable Partner Terms. Complaints concerning those services should be directed to the relevant provider in the first instance, without prejudice to any right Orchid may have to coordinate on the issue.

B1. General
This Appendix B sets out standard fees and charging principles applicable to use of the Platform and certain services made available through it. Fees charged by Service Partners, card schemes, banks, networks, third-party funding providers or other intermediaries may apply in addition and will be disclosed in the applicable Partner Terms or at the point of transaction where practicable.
Unless expressly stated otherwise, fees are denominated in the currency shown in the Platform or, if charged in another currency, in the equivalent amount converted at the rate applied by the relevant provider at the time of conversion.
Unless expressly stated otherwise, fees are exclusive of applicable indirect taxes. Orchid and/or the relevant Service Partners may deduct fees from your balances or transaction amounts when due.

The applicable reference rate and mark-up will be disclosed in the Platform or otherwise communicated at the time you submit a conversion instruction. The executed rate may differ from an indicative quotation if market conditions or partner pricing change between quotation and execution.

C1. Purpose and scope
This Appendix C sets out key risks relating to any Crypto Services made available through or in connection with the Platform. It is supplementary to, and does not replace, any risk warnings, product disclosures or contractual terms issued by the relevant Crypto Partner.
C2. Risk of total loss
The value of cryptoassets is highly volatile. Prices may fluctuate significantly over short periods and may fall to zero. You should assume that you may lose all of the money committed to a cryptoasset transaction.
C3. Lack of protection schemes
Cryptoassets are generally not covered by deposit-guarantee schemes or investor-compensation schemes that apply to bank deposits or certain regulated investment products. If a Crypto Partner, custodian, exchange or other service provider fails, becomes insolvent or suffers a cyber incident, you may not recover some or all of your cryptoassets or their value.
C4. Liquidity and market risk
Liquidity in crypto markets can deteriorate suddenly. You may not be able to buy, sell or convert a cryptoasset at the desired price or at all. Slippage, partial execution, delayed execution, delisting or forced conversion may occur.
C5. Technology, cyber and operational risks
Cryptoassets rely on software, protocols, validators, networks, wallets, private keys, custodians, exchanges and infrastructure providers. Failures, hacks, bugs, chain reorganisations, bridge failures, smart-contract vulnerabilities, internal-ledger errors and operational outages can result in delay, loss, theft or inaccessibility of assets.
C6. Legal, regulatory and tax risks
The legal and regulatory framework governing cryptoassets is evolving and may change without notice. Changes in law, regulation, policy or enforcement may restrict or prohibit the holding, transfer, trading or use of certain cryptoassets or services. Tax treatment may also be uncertain and may change over time.
C7. Stablecoins and pegs
Stablecoins seek to maintain value relative to a reference asset, but a peg may fail because of reserve issues, operational problems, market stress, legal action, banking failures or a loss of confidence. A de-peg event may result in substantial or total loss.
C8. No advice or suitability assessment
Neither Orchid nor, unless expressly stated otherwise, the relevant Crypto Partner provides investment, legal or tax advice through the Platform. No information provided through the Platform should be treated as a recommendation or a statement that a cryptoasset is suitable for you.
C9. Your responsibility
You should not use Crypto Services unless you fully understand the associated risks and have independently determined that the relevant transaction is appropriate for your financial situation, objectives and risk tolerance.

D1. General
This Appendix D applies to all use of the Platform and any services accessible through or in connection with it. It supplements the Terms and any Service Partner prohibited-business or acceptable-use rules.
D2. Prohibited conduct
You must not use the Platform in connection with illegal goods or services, human trafficking, exploitation, sanctions evasion, terrorism financing, money laundering, fraud, deceptive schemes, identity theft, unlicensed financial services, unlawful gambling, prohibited weapons, malware distribution, ransomware, intellectual-property infringement, market manipulation or any other activity that is unlawful, abusive or contrary to the risk policies of Orchid or the relevant Service Partners.
D3. Restricted activities
Certain activities may be restricted, require enhanced due diligence or be available only with prior approval. These may include high-risk jurisdictions, high-risk merchant categories, virtual-asset activity, gambling-related activity, adult-content activity, charitable fundraising, crowdfunding, high-value card activity, cash-intensive businesses, politically exposed relationships, layered ownership structures or any activity that creates elevated sanctions, AML, fraud, reputational or scheme risk.
D4. Information requests and monitoring
Orchid and the Service Partners may request information, documentation or explanations concerning your business model, counterparties, source of funds, transaction purpose, licensing status, website content, policies or operational controls. Failure to respond adequately or promptly may result in refusal, suspension or termination.
D5. Enforcement
If Orchid or a Service Partner reasonably considers that your use of the Platform is prohibited, restricted, misleading, high risk or otherwise unacceptable, Orchid may suspend or terminate access, reject transactions, report matters to competent authorities or take any other action permitted by law, the Terms or the applicable Partner Terms.