Legal Information

1. Acceptance of Terms

By accessing or using QFS Web Secure ("QFS") services, you agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and QFS Web Secure Ltd., governing your use of our platform, products, and services.

2. Service Description

QFS provides a decentralized financial platform leveraging quantum-resistant blockchain technology for secure asset management, transactions, and financial services. Our services include but are not limited to digital wallet services, asset management tools, and transaction processing.

3. User Obligations

As a user of QFS services, you agree to:

• Provide accurate and complete registration information
• Maintain the confidentiality of your account credentials
• Comply with all applicable laws and regulations
• Not engage in any illegal or fraudulent activities
• Not attempt to compromise the security or integrity of our systems

4. Intellectual Property

All content, trademarks, service marks, trade names, logos, and icons are proprietary to QFS Web Secure Ltd. Nothing in these Terms grants you any license or right to use any trademark displayed on our services without our written permission.

5. Limitation of Liability

To the maximum extent permitted by law, QFS Web Secure Ltd. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your access to or use of or inability to access or use the services
• Any conduct or content of any third party on the services
• Any unauthorized access, use, or alteration of your transmissions or content

6. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Malta, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Malta.

1. Information We Collect

QFS Web Secure collects information to provide better services to all our users. The types of information we collect include:

• Personal Identification Information: Name, email address, phone number, government-issued ID for KYC purposes
• Financial Information: Bank account details, transaction history, wallet addresses
• Technical Data: IP address, device information, browser type, operating system
• Usage Data: Service usage patterns, preferences, settings

2. How We Use Information

We use the information we collect for the following purposes:

• To provide, maintain, and improve our services
• To verify identity and prevent fraud
• To comply with legal and regulatory requirements
• To communicate with users about services, updates, and security alerts
• To develop new products and features

3. Data Security

We implement industry-standard security measures to protect your information, including:

• End-to-end encryption for all data transmissions
• Quantum-resistant cryptographic protocols
• Multi-factor authentication systems
• Regular security audits and penetration testing

Despite these measures, no security system is impenetrable and we cannot guarantee the absolute security of your information.

4. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. Typically, we retain customer data for a minimum of 5 years after account closure to comply with financial regulations.

5. Your Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, including:

• The right to access and receive a copy of your personal data
• The right to request correction of inaccurate data
• The right to request deletion of your data under certain conditions
• The right to object to or restrict processing of your data
• The right to data portability

1. What Are Cookies

Cookies are small text files stored on your device when you visit our website. They help the website remember information about your visit, which can make it easier to visit the site again and make the site more useful to you.

2. How We Use Cookies

We use cookies for the following purposes:

3. Managing Cookies

You can control and/or delete cookies as you wish. You can delete all cookies that are already on your computer and you can set most browsers to prevent them from being placed. However, if you do this, you may have to manually adjust some preferences every time you visit a site and some services and functionalities may not work.

1. Anti-Money Laundering (AML)

QFS Web Secure complies with all applicable AML laws and regulations in the jurisdictions where we operate. Our AML program includes:

• Customer identification and verification (KYC)
• Transaction monitoring and reporting
• Suspicious activity reporting
• Ongoing employee training
• Independent compliance audits

2. Know Your Customer (KYC)

We implement rigorous KYC procedures to verify the identity of our customers and assess potential risks of illegal intentions for the business relationship. Our KYC process includes:

• Collection of government-issued identification
• Proof of address verification
• Biometric verification where required
• Ongoing monitoring of customer activity

3. Financial Regulations

QFS operates in compliance with the following financial regulations:

• EU's Fifth Anti-Money Laundering Directive (5AMLD)
• Financial Action Task Force (FATF) recommendations
• General Data Protection Regulation (GDPR)
• Payment Services Directive 2 (PSD2) where applicable

4. Tax Compliance

QFS complies with all applicable tax laws and regulations, including:

• Automatic Exchange of Information (AEOI)
• Common Reporting Standard (CRS)
• Foreign Account Tax Compliance Act (FATCA)

Users are solely responsible for determining what, if any, taxes apply to their transactions and for reporting and remitting the correct tax to the appropriate tax authority.

1. No Financial Advice

The information provided on the QFS Web Secure platform is for informational purposes only and should not be construed as financial, investment, tax, or legal advice. You should consult with licensed professionals before making any financial decisions.

2. Risk Disclosure

Digital assets and blockchain technology involve significant risks, including but not limited to:

• Market volatility and potential loss of principal
• Technological risks including software flaws and cyber attacks
• Regulatory uncertainty and changes in laws
• Potential illiquidity of investments

You should only invest what you can afford to lose and carefully consider your risk tolerance before engaging with digital assets.

3. No Warranty

QFS Web Secure provides services on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

4. Third-Party Services

Our services may contain links to third-party websites or services that are not owned or controlled by QFS Web Secure. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

5. Jurisdictional Restrictions

QFS Web Secure services may not be available in all jurisdictions. It is your responsibility to determine whether accessing or using our services is legal in your jurisdiction. We reserve the right to restrict access to our services in certain jurisdictions at our discretion.