These Terms of Service ("Terms") govern your access to and use of the websites, applications and services provided by Coinzara ("Coinzara", "we", "us" and "our"). By creating an account or using our services, you agree to these Terms. If you do not agree, do not use the services.

1. Eligibility

You must be at least 18 years old and legally able to enter into a contract to use our services. You may not use the services if you are located in, or are a resident of, any jurisdiction where use of the services would be unlawful, or where Coinzara does not offer its services.

2. Your account

You must provide accurate information when registering and keep it up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Enable the available security features (such as two-factor authentication) and notify us immediately of any unauthorised use. We may require identity verification where necessary to comply with applicable law.

3. Our services

We provide a platform that may include custodial wallets, a peer-to-peer (P2P) marketplace with escrow protection, instant conversion between supported assets, and related tools. We may add, change, suspend or discontinue features at any time. We are not a bank, and digital assets are not legal tender or insured deposits.

4. Peer-to-peer trades and escrow

In P2P trades you transact directly with another user. Where escrow is used, the seller's crypto is held by the platform until payment is confirmed, and released or returned according to the trade outcome. You are responsible for the accuracy of the payment details you provide and for completing payments through the agreed method. Disputes may be reviewed by our team based on the available evidence.

5. Acceptable use

You agree not to use the services to: break any law or regulation; launder money or finance terrorism; commit fraud, including chargeback fraud; trade on behalf of a sanctioned person or restricted jurisdiction; circumvent our security; or harm, harass or deceive other users. We may refuse, suspend or reverse activity that we reasonably believe violates these Terms or applicable law.

6. Fees

Applicable fees (for example network/withdrawal fees) are shown before you confirm a transaction. Blockchain network fees are outside our control and are non-refundable once a transaction is broadcast.

7. Risks

Trading and holding digital assets involves significant risk, including the risk of losing the entire value of your assets. You acknowledge that you have read and understood our Risk Warning. Nothing on the platform constitutes investment, financial, legal or tax advice.

8. Suspension and termination

We may suspend or close your account, or restrict access to the services, if we reasonably believe you have breached these Terms, to comply with law, or to protect the platform and its users. You may close your account at any time once your balances are settled.

9. Limitation of liability

To the maximum extent permitted by law, Coinzara is not liable for any indirect, incidental, special or consequential losses, or for loss of profits, data, or assets arising from your use of (or inability to use) the services. Nothing in these Terms excludes liability that cannot be excluded under applicable law.

10. Indemnification

You agree to indemnify and hold harmless Coinzara and its officers, employees and partners against claims and costs arising from your breach of these Terms or your misuse of the services.

11. Changes to these Terms

We may update these Terms from time to time. When we do, we will update the date above and, where appropriate, notify you. Your continued use of the services after changes take effect constitutes acceptance of the updated Terms.

12. Governing law

These Terms are governed by the laws applicable at Coinzara's place of establishment, without regard to conflict-of-law rules. Mandatory consumer protections of your country of residence remain unaffected.

13. Contact

Questions about these Terms? Contact us at legal@coinzara.com.