Terms of use

1. Who we are

These terms govern your use of the Zarkoin website at zarkoin.com, our apps and our APIs (together, the Services). "Zarkoin", "we" and "us" refer to the company operating the Services. [Insert legal entity name, registration number and registered address.]

2. Eligibility

You must be at least 18 years old and legally able to enter into contracts. You may not use the Services if you live in, or are a citizen of, a jurisdiction where using them is prohibited, or if you appear on a sanctions list. [Insert restricted jurisdictions.]

3. Your account

• You are responsible for keeping your password, two-factor codes and API keys secret.
• You must give us accurate information and keep it up to date.
• One person may hold one account. Accounts may not be sold, rented or shared.
• We may ask you to verify your identity at any time and may limit features until you do.

4. Custody of assets

Assets you deposit are held by Zarkoin on your behalf and recorded in your account balance. We keep customer assets separate from our own operating funds and publish proof of reserves regularly. You can withdraw your available balance at any time, subject to network availability, security checks and the limits shown in your account.

5. Trading

• Orders you submit are binding once confirmed. We show the expected fee and worst-case price before you confirm.
• We may reject or cancel orders that would breach market rules, result from obvious errors or system faults, or are part of manipulative behaviour.
• Futures and other leveraged products can lose more than your initial margin may suggest; positions may be liquidated automatically. Read the Risk disclosure.

6. P2P

P2P trades are between users. Zarkoin provides escrow and dispute resolution but is not a party to the fiat payment. You must pay only from accounts in your own name. We may suspend P2P access for users who abuse the appeal process or receive third-party payments.

7. Fees

Fees are listed on the Fees page and shown before every transaction. We will give at least 30 days’ notice before increasing any fee.

8. Prohibited use

You may not use the Services for money laundering, terrorist financing, fraud, market manipulation (including wash trading and spoofing), sanctions evasion, or to infringe anyone’s rights. See our AML and KYC policy.

9. Suspension and closure

We may restrict or close an account if required by law, to protect users, or if these terms are breached. Whenever we restrict an account we will tell you the reason unless the law forbids it, and what you can do to resolve it. If we close your account, you may withdraw your balance unless legally prevented.

10. Liability

To the extent permitted by law, we are not liable for losses caused by market movements, your own errors (such as sending to a wrong address or network), events outside our reasonable control, or third-party networks. Nothing in these terms limits liability that cannot be limited by law.

11. Changes

We may update these terms. Material changes will be announced at least 30 days in advance by email and in the app.

12. Governing law and disputes

[Insert governing law, courts or arbitration body, and complaint procedure.]

13. Contact

Questions about these terms: [email protected].