2. Regulatory Status

VirtuaBroker Ltd is not authorised or regulated by the UK Financial Conduct Authority (FCA) and does not provide regulated financial services.

Where required, certain elements of the Services (including fiat processing, KYC, AML, custody, or liquidity) may be provided by regulated third-party service providers integrated into the platform.

Financial services compensation schemes and ombudsman protections do not apply to the Services.

3. Services

VirtuaBroker provides technology and infrastructure enabling access to the following services:

• On-Ramp – enabling the purchase of Digital Assets using fiat currency

• Off-Ramp – enabling the conversion of Digital Assets into fiat currency

• Exchange – enabling crypto-to-crypto and fiat-to-crypto transactions

• Custody – storage of Digital Assets under a hybrid custody model

• API Services – programmatic access for business integrations

VirtuaBroker may rely on third-party exchanges, liquidity providers, custodians, and payment institutions to facilitate transactions.

4. Custody Model

VirtuaBroker operates a hybrid custody model.

Depending on the Service used:

• Digital Assets may be held in wallets controlled by VirtuaBroker,

• held by third-party custodians, or

• held in wallets fully controlled by you (non-custodial).

VirtuaBroker may not have access to or control over Digital Assets held in non-custodial wallets.

5. Eligibility

You may only use the Services if you:

• are at least 18 years old;

• successfully complete any required identity verification;

• comply with all applicable laws and regulations;

• are not located in, resident of, or subject to sanctions in any restricted jurisdiction;

• are not a sanctioned individual under UK, EU, or US sanctions regimes.

We may refuse access or suspend Services at our discretion.

6. Identity Verification & Compliance

VirtuaBroker maintains internal AML and KYC policies.
You may be required to provide identification documents and additional information at any time.

We may use third-party providers to verify your identity and monitor transactions.

You agree that:

• all information you provide is accurate and up to date;

• failure to provide requested information may result in suspension or termination.

7. How the Services Work

7.1 On-Ramp

You select the Digital Asset and amount, review pricing and fees, complete identity checks if required, and submit payment using the available methods. Once funds are received, Digital Assets are delivered to the designated wallet.

7.2 Off-Ramp

You send Digital Assets to the specified wallet address. Once received and verified, fiat funds are transferred to your nominated payment method.

7.3 Exchange

Trades are executed within the platform using the selected trading pairs. Assets may remain on the platform or be withdrawn, depending on the Service.

7.4 Withdrawals

Withdrawals are processed to payment methods held in your name. Processing times may vary.

8. Fees

Fees are disclosed before you confirm a transaction and may include:

• VirtuaBroker service fees;

• blockchain network fees (“gas fees”);

• third-party processing fees.

Network fees are not controlled by VirtuaBroker and may vary.

9. Your Responsibilities

You are solely responsible for ensuring:

• wallet addresses are correct and compatible;

• payment details are accurate and in your name;

• reference numbers and amounts are correct.

Blockchain transactions are irreversible. VirtuaBroker is not responsible for losses caused by incorrect information provided by you.

10. Risks

You acknowledge that:

• Digital Assets are volatile and may lose value;

• blockchain transactions are irreversible;

• public blockchain data is permanent and immutable;

• you may lose access to assets due to user error, third-party failure, or market events.

You accept these risks in full.

11. Prohibited Use

You must not:

• use the Services for unlawful or fraudulent purposes;

• violate sanctions or AML laws;

• introduce malware or harmful code;

• reverse engineer or resell the Services;

• use automated systems to overload infrastructure;

• trade regulated securities or derivatives.

12. Suspension & Termination

We may suspend or terminate your access immediately if:

• you breach these Terms;

• you fail eligibility requirements;

• required by law or authorities;

• risk or compliance concerns arise.

Upon termination, outstanding transactions may be completed where legally permitted.

13. Intellectual Property

All intellectual property rights in the Services belong to VirtuaBroker or its licensors.
You are granted a limited, non-exclusive, non-transferable licence to use the Services.

14. Data Protection

We process personal data in accordance with applicable data protection laws.
For details, see our Privacy Policy.

15. Disclaimers

The Services are provided “as is” and “as available” without warranties of any kind.

We do not guarantee uninterrupted access, price accuracy, or transaction completion times.

16. Limitation of Liability

To the maximum extent permitted by law:

• VirtuaBroker is not liable for indirect or consequential losses;

• our total liability is limited to the fees paid by you in the 12 months preceding the claim.

Nothing excludes liability for fraud or personal injury caused by negligence.

17. Indemnity

You agree to indemnify and hold harmless VirtuaBroker and its affiliates from any claims, losses, or expenses arising from your breach of these Terms or misuse of the Services.

18. Confidentiality

Each party agrees to keep confidential information secure and use it only for the purposes of the Services.

19. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales.
The courts of England have exclusive jurisdiction.

20. Contact & Complaints

For questions or complaints, contact:
📧 support@virtuabroker.com