By accessing or using the Blockchain0x platform, APIs, dashboard, SDKs, websites, or any related service (collectively, the "Service"), you agree to be bound by these Terms & Conditions ("Terms"). These Terms form a legally binding agreement between you ("Customer," "you," or "your") and Tosh Labs Private Limited, the operator of Blockchain0x ("Company," "we," "our," or "us").

If you do not agree with any part of these Terms, you must not access or use the Service.

The Service is offered to developers and organizations building, operating, or integrating with AI agents and payment infrastructure. To use the Service you represent that:

• You are at least 18 years of age and have the legal capacity to enter into a binding contract.
• You are not located in, organized under the laws of, or a resident of any country or region that is subject to comprehensive sanctions by the United Nations, the United States, the European Union, the United Kingdom, or India.
• You are not listed on any sanctions, denied-persons, or politically-exposed-persons list maintained by the jurisdictions above.
• If you are using the Service on behalf of an entity, you have the authority to bind that entity to these Terms.

The Service is not designed for, marketed to, or intended for use by children under 18. We do not knowingly collect information from individuals under 18.

Blockchain0x provides software and operational infrastructure that lets developers create payment-capable AI agents. Core capabilities include per-agent wallet creation, server-side spend policy enforcement, agent identity and verification primitives, an HTTP API for payment requests and receipts, webhooks for payment lifecycle events, and a hosted dashboard.

The Service interoperates with third-party payment rails (including but not limited to USDC on Base, Circle Programmable Wallets, Coinbase Smart Wallet, and the x402 protocol). Your use of those third-party rails is also governed by the terms of their respective providers. We are not responsible for the availability, accuracy, security, or behaviour of third-party services.

Blockchain0x is not a bank, broker-dealer, custodian, money transmitter, or investment adviser. We do not provide banking services, hold customer funds at the platform layer, manage or control any wallet, or provide investment advice.

• Non-custodial: Wallets are held by you or by the underlying custody provider you connect (for example, Circle Programmable Wallets or Coinbase Smart Wallet). We do not have signing authority over any wallet balance and cannot move funds on your behalf.
• No investment advice: Nothing on the Service, in our documentation, in marketing materials, or in any communication from us constitutes investment, financial, tax, legal, or regulatory advice. You are solely responsible for evaluating whether any payment, transaction, or counterparty is appropriate for your circumstances.
• No fiduciary duty: Nothing in these Terms creates a fiduciary, agency, partnership, joint-venture, or trust relationship between Blockchain0x and you.

You acknowledge that crypto-asset transactions involve material risks that you accept by using the Service. These include, without limitation:

• Blockchain finality: Transactions on a blockchain are generally irreversible once confirmed. Mistaken transfers, wrong addresses, or compromised keys may not be recoverable.
• Stablecoin issuer risk: USDC and other stablecoins depend on their issuer's ability and willingness to redeem at par. Issuer insolvency, regulatory action, or reserve impairment can cause loss of value.
• Smart-contract risk: Third-party smart contracts you interact with may contain bugs or vulnerabilities that we cannot detect or remediate.
• Network risk: Underlying blockchain networks may suffer downtime, congestion, fee spikes, reorgs, or other disruptions outside our control.
• Regulatory risk: Laws and regulations governing crypto-assets and stablecoins are evolving. Future changes may make some or all of the Service unavailable in your jurisdiction without prior notice.

To use the Service, you must register for an account and you may receive API keys, signing secrets, and other credentials. You agree to:

• Provide accurate, current, and complete registration information and keep it updated.
• Treat API keys, signing secrets, and webhook secrets as confidential and store them only in appropriate secret-management infrastructure.
• Not share, publish, or commit credentials to source-control systems.
• Rotate credentials promptly upon suspected compromise and notify us at [email protected] if you suspect unauthorized access.
• Take full responsibility for all activity performed through your account, including activity by AI agents you operate.

We are not liable for loss or damage arising from your failure to safeguard credentials.

You and any AI agent operated through your account ("your Agent") must not use the Service to do any of the following:

• Engage in fraud, theft, deception, market manipulation, pump-and-dump schemes, or any activity that violates applicable law.
• Facilitate money laundering, terrorist financing, sanctions evasion, or transactions with sanctioned persons or jurisdictions.
• Process payments for unlawful goods or services (including but not limited to controlled substances regulated where the buyer or seller is located, weapons, child sexual abuse material, non-consensual content, or human trafficking).
• Generate or distribute content that promotes violence, harassment, child exploitation, or hate against protected classes.
• Conduct automated abuse, denial-of-service attacks, spam, or unauthorized scraping at scale.
• Attempt to circumvent the spend policy, identity, audit, or other controls we provide, or to mask the true counterparty of a payment.
• Reverse-engineer, decompile, or otherwise extract source code or secrets from the Service, except where local law permits and only to the minimum extent required.
• Re-sell the Service, sublicense API access, or operate a competing service using the Service.

We may suspend or terminate access to the Service for any account that we reasonably believe has violated this section. We may report unlawful activity to relevant authorities.

You are responsible for compliance with all laws applicable to your use of the Service in every jurisdiction in which you operate. Without limiting the above, you agree to:

• Conduct any required know-your-customer ("KYC") and customer due diligence on your end users.
• Screen counterparties against applicable sanctions lists before authorizing payments to them.
• Maintain appropriate records, including for tax, regulatory, and audit purposes.
• Disclose to end users any material terms of your service that depend on the Service, including transaction fees, payment finality, and any third-party providers involved.

We may, but are not obligated to, conduct independent screening or due diligence on accounts; nothing we do supersedes your own legal obligations.

The Service is offered in tiers (Free, Pro, Business) priced per agent, plus transaction fees calculated as a percentage of payment volume processed through your agents. Current pricing is published at /pricing and is incorporated into these Terms by reference.

• Subscription billing: Paid tiers are billed monthly in advance via Stripe or other payment processors we may designate. Subscriptions renew automatically unless cancelled before the next billing cycle.
• Transaction fees: Transaction-volume fees are netted from the relevant payment flow or billed periodically, at our discretion.
• Pricing changes: We may change pricing on at least 30 days' written notice (which may be delivered by email or via the dashboard). Continued use after the effective date constitutes acceptance.
• Taxes: Fees are exclusive of taxes. You are responsible for any sales, use, value-added, withholding, or similar taxes that apply to your purchase of the Service.
• No refunds except as stated: Refunds, where available, are described in the Refund Policy and are limited to what that policy provides.

All software, documentation, designs, marks, and other materials made available through the Service ("Blockchain0x Materials") are owned by us or our licensors and protected by intellectual-property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Blockchain0x Materials for the purpose of using the Service.

Content you upload, configure, or generate through the Service ("Customer Content") remains yours. You grant us a worldwide, non-exclusive, royalty-free license to host, process, transmit, and display Customer Content solely as necessary to provide the Service. Aggregated or de-identified analytics derived from Customer Content may be used to improve the Service.

We may add, remove, or modify features of the Service from time to time. We will use reasonable efforts to provide advance notice of material changes to documented APIs and webhook contracts, and we will publish breaking-change windows in the developer documentation.

We do not guarantee uninterrupted or error-free operation. Service-level commitments, if any, are provided in a separately negotiated agreement and do not apply to self-serve usage of the Free, Pro, or Business tiers.

We may suspend or terminate your access to the Service, with or without notice, if we believe in good faith that you have violated these Terms, that your account presents a security, legal, or operational risk to us or other customers, or that continued provision of the Service would expose us to legal or regulatory liability.

You may stop using the Service at any time. Cancellation of a paid subscription prevents future renewal but does not entitle you to a refund of fees already paid except as stated in the Refund Policy.

You agree to defend, indemnify, and hold harmless Tosh Labs Private Limited, its directors, officers, employees, contractors, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your or your Agent's use of the Service in violation of these Terms or applicable law.
• Your breach of any representation, warranty, or covenant in these Terms.
• Any payment your Agent initiated, including disputes with counterparties.
• Any claim that your Customer Content infringes a third party's rights.

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory.

To the maximum extent permitted by applicable law, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranty arising from a course of dealing or usage of trade. We make no warranty that the Service will be uninterrupted, secure, or error-free, or that it will meet your specific requirements.

In no event shall Tosh Labs Private Limited, its directors, officers, employees, or affiliates be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including without limitation loss of profits, revenue, data, goodwill, or business opportunity, arising out of or relating to the Service or these Terms, even if advised of the possibility of such damages.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED UNITED STATES DOLLARS (USD $100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, in which case the above limitations apply only to the maximum extent permitted by applicable law.

These Terms and any dispute or claim arising out of or in connection with them are governed by and construed in accordance with the laws of India, without regard to conflict-of-law principles. The courts located in Gurugram, Haryana, India will have exclusive jurisdiction over any dispute, subject to any mandatory consumer-protection laws of your country of residence that grant you the right to bring claims in your local courts.

Severability: If any provision is held invalid, the remaining provisions remain in effect.

Waiver: Our failure to enforce any right is not a waiver of that right.

Assignment: You may not assign these Terms without our prior written consent. We may assign without restriction.

Entire agreement: These Terms, together with the Privacy Policy, the Refund Policy, the Acceptable Use Policy, and any other policies referenced from this page, constitute the entire agreement between you and us regarding the Service.

Headings: Section headings are for convenience only and do not affect interpretation.

For legal inquiries, notices, or service of process:

Email: [email protected]

Postal: Tosh Labs Private Limited, Gurugram, Haryana, India. (Refer to the Indian Ministry of Corporate Affairs registry for the up-to-date registered address.)

For security disclosures: [email protected].