Terms of Service

1. Parties

These terms are entered into between you and Olbra Finance LLC, a limited liability company incorporated in the State of Wyoming, USA (“Olbra”, “we”, “our”). Onboarding services are provided by Olbra.

The underlying E-Money Token (EMT) issuance services for EURY and PLNY are provided by Eurodollar ApS (Denmark) under its separate terms of service, available at https://eurodollar.dk/terms (or a successor URL notified to you). By completing onboarding through this platform, you agree to be bound by both these terms and Eurodollar’s EMT terms.

2. Eligibility

To use this platform you must:

be at least 18 years old;
not be a resident or national of any jurisdiction subject to comprehensive sanctions by the EU, the United States, or the United Nations (currently including but not limited to Belarus, Cuba, Iran, North Korea, Russia, Syria, the Crimea region, and the Donetsk and Luhansk regions); and
not appear on any sanctions list maintained by the EU (Council Regulation), the U.S. Office of Foreign Assets Control (OFAC), or HM Treasury (HMT).

3. Your obligations

You agree to:

provide truthful and complete information during onboarding;
complete the sworn declaration in good faith;
update us within 30 days of any material change to your data — including address, employment, source of funds, or PEP status; and
provide additional documentation reasonably requested by us for AML / CTF purposes.

4. Our obligations

We will:

process your onboarding application in good faith;
protect your personal data in accordance with our Privacy Policy; and
review your KYC application manually within five business days of complete submission. This target is not a guaranteed service-level agreement in version 1 of the platform.

5. AML / CTF

We may refuse onboarding, suspend or terminate your account, freeze assets, or report you to competent authorities, at our discretion and without prior notice where required to do so by AML / CTF law. We will provide a reason for any such action where it is lawful for us to do so.

6. Wires and minting

Tokens are minted by Eurodollar ApS upon receipt of cleared funds in its bank account. Wire-in funds are subject to your bank’s KYC, AML, processing times, and fees. We are not responsible for delayed, blocked, or reversed wires.

We do not guarantee any specific minting time. Typical processing is 1–2 business days after funds clear. Minting is performed only to the verified blockchain wallet you provided during onboarding.

7. No financial advice

Nothing on this platform constitutes financial, investment, tax, or legal advice. E-Money Tokens are not deposits and are not protected by deposit insurance. Token values and convertibility are governed by Eurodollar’s EMT terms and applicable EU regulation.

8. Liability

To the maximum extent permitted by applicable law, our aggregate liability to you under these terms is limited to EUR 1,000 or the fees you have paid to us in the preceding 12 months, whichever is greater. We are not liable for any indirect, incidental, consequential, or punitive damages.

Nothing in this clause limits liability that cannot be limited under applicable law — for example liability for gross negligence, wilful misconduct, or death or personal injury caused by our negligence.

9. Termination

You may terminate this agreement by deleting your account, subject to AML retention of certain data as set out in our Privacy Policy. We may terminate this agreement immediately for breach of these terms, suspected fraud, or where required to do so by law.

10. Governing law and dispute resolution

These terms are governed by the laws of the State of Wyoming, USA, excluding its conflict-of-laws rules. Any dispute arising out of or relating to these terms will be resolved by binding arbitration seated in Wyoming, USA, under the rules of the American Arbitration Association. You retain the right to seek interim injunctive relief in court.

Consumers resident in the EU retain mandatory rights under their domestic law where these terms would otherwise deprive them of those rights. The EMT issuance relationship is governed by Danish law as set out in Eurodollar’s terms.

11. Changes

We may update these terms with 30 days’ notice by email. Continued use of the platform after the effective date constitutes acceptance of the updated terms.

12. Contact

For any matter relating to these terms, contact [email protected].