Terms of Service

Introduction and Acceptance

Welcome to CryptoLicenses.net. This website is operated by a Swiss entity registered at Grafenauweg 4, 6300 Zug ZG, Switzerland ("CryptoLicenses.net", "we", "us", "our").

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you", "your", "user", "client") and CryptoLicenses.net. These Terms govern:

Your access to and use of the CryptoLicenses.net website and all content published thereon;
Any regulatory consulting and licensing advisory services provided by us to you, whether in connection with an initial enquiry, a formal engagement, or otherwise.

By accessing this website, submitting a contact form, or engaging our services, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use this website or our services.

These Terms apply alongside our Privacy Policy, which explains how we handle your personal data. In the event of any conflict between these Terms and a signed engagement letter, the terms of the signed engagement letter shall prevail.

Description of Services

CryptoLicenses.net provides regulatory consulting and project management support to businesses seeking to obtain, maintain, or expand financial services licenses and regulatory registrations across 80+ jurisdictions worldwide. Our services include, but are not limited to:

Regulatory consulting: Analysis of licensing options, jurisdictional comparison, and strategic advice on regulatory pathways for crypto asset service providers, virtual asset service providers (VASPs), forex brokers, electronic money institutions (EMIs), and related financial services entities.
License application support: Project management and coordination of the license application process, including document preparation, liaison with local agents and advisors, and application tracking.
Corporate structuring support: Guidance on entity formation, corporate structure, and the organisational requirements of regulators.
Informational content: Publication of guides, articles, and reference materials on licensing requirements across jurisdictions.

Important: CryptoLicenses.net provides regulatory consulting and project management services. We are not a law firm and do not provide legal advice. Our work product constitutes information, project coordination, and consulting — not legal representation. Where legal advice is required (including jurisdiction-specific legal opinions), we will refer you to qualified legal practitioners or coordinate with local counsel on your behalf.

We operate on a fixed-fee model. All fees are disclosed upfront in your engagement letter before any paid work commences. There are no hidden fees or ongoing retainers unless expressly agreed in writing.

Disclaimer — Information Only

The information published on this website — including guides, jurisdiction pages, regulatory summaries, and blog posts — is provided for general informational and educational purposes only. It does not constitute legal advice, regulatory advice, tax advice, or any other form of professional advice.

Regulatory requirements, licensing thresholds, and applicable laws change frequently and vary by jurisdiction. While we make reasonable efforts to keep our content accurate and up to date, we make no representation or warranty that the information on this website is complete, current, or accurate at the time of your access.

You should always seek independent advice from a qualified lawyer or regulatory specialist in the relevant jurisdiction before making any licensing or regulatory decisions. Reliance on general information published on this website without professional verification is at your own risk.

Nothing on this website creates an advisor-client, attorney-client, or any other professional relationship unless and until a signed engagement letter has been executed between you and CryptoLicenses.net.

Eligibility

By using this website or engaging our services, you represent and warrant that:

You are at least 18 years of age;
If you are acting on behalf of a company or other legal entity, you have the full legal authority to enter into agreements and to bind that entity to these Terms;
Your use of this website and any engagement of our services complies with all applicable laws and regulations in your jurisdiction;
You are not subject to any legal prohibition that would prevent you from entering into agreements with a Swiss entity or receiving our services.

We reserve the right to decline to provide services to any individual or entity at our sole discretion, including where we determine that doing so would conflict with applicable law, our internal compliance policies, or our professional obligations.

Consulting Engagements

Paid consulting services are governed by a separate engagement letter that sets out the specific scope of work, deliverables, timelines, and fees. No paid engagement commences until a written engagement letter has been signed by both parties.

Quotes and proposals: Any quote, proposal, or indication of fees communicated by us (whether by email, telephone, or otherwise) is not a binding offer and does not constitute a contract. A binding agreement only arises upon execution of a signed engagement letter.

The engagement letter will specify:

The scope of services to be provided;
The fixed fee or fee structure, disclosed in full and without hidden charges;
The project timeline and key milestones;
Any dependencies on third parties (local lawyers, agents, regulatory fees) that are outside our control;
Any additional terms specific to the engagement.

We cannot guarantee the outcome of any license application. Licensing decisions are made exclusively by the relevant regulatory authority, and our role is to assist in preparing and submitting the strongest possible application. Approval is not guaranteed regardless of the quality of the application.

Payment Terms

Unless otherwise specified in your engagement letter, the following payment terms apply to all consulting engagements:

Invoice due date: All invoices are due and payable within 14 calendar days of the invoice date.
Late payment interest: Invoices not paid by the due date will accrue interest at the rate of 5% per annum from the due date until the date of actual payment, in accordance with Article 104 of the Swiss Code of Obligations (OR).
Currency: Invoices are issued in the currency specified in the engagement letter. Where payment is made in a different currency, the exchange rate applicable on the date of payment shall apply, and any shortfall due to exchange rate movements remains due.
Third-party costs: Government filing fees, local agent fees, registered office fees, and other third-party disbursements are not included in our consulting fees unless expressly stated. These will be invoiced separately or may require direct payment by the client to the third party.

Refund policy: Fees are structured on a project-stage basis. Where a project is cancelled by the client, fees for completed stages are non-refundable. Fees paid in advance for future stages that have not commenced may be refunded in full, less any costs or commitments already incurred on your behalf. The specific refund terms for each project stage will be set out in the engagement letter.

Confidentiality

We treat all client information as strictly confidential. We will not disclose your business information, identity, or the details of your engagement to any third party without your prior written consent, except:

To our employees, contractors, or professional advisors who need to know such information to deliver the services and who are bound by equivalent confidentiality obligations;
Where required by applicable law, regulation, court order, or the direction of a competent regulatory authority;
Where disclosure is necessary to comply with anti-money laundering obligations or other legal requirements to which we are subject as a Swiss-based service provider;
Where you have authorised us to communicate with regulators, agents, or third parties on your behalf in connection with a license application.

You acknowledge that, in the course of a license application, certain information about your company, directors, and shareholders will necessarily be shared with the relevant regulatory authority. Such disclosure is a requirement of the licensing process and is not a breach of confidentiality by us.

We may request that clients sign a mutual non-disclosure agreement (NDA) prior to detailed discussions. All information shared with us before a signed NDA or engagement letter is in place should be considered non-confidential from a contractual standpoint, though we will treat it with professional discretion.

Intellectual Property

All content published on the CryptoLicenses.net website — including text, guides, jurisdiction summaries, graphics, logos, and the overall design and structure of the site — is the intellectual property of CryptoLicenses.net or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws.

You may not copy, reproduce, republish, upload, post, transmit, distribute, or otherwise exploit any content from this website for commercial purposes without our prior written permission. Limited, non-commercial use (such as sharing a link or quoting a brief passage with attribution) is permitted.

Work product created specifically for a client engagement (such as a drafted application, business plan, or AML/KYC policy prepared for your company) becomes the client's property upon full payment of the applicable fees for that deliverable. We retain the right to use underlying methodologies, templates, and general know-how in our ongoing work with other clients.

All documents, data, and materials provided to us by you in connection with an engagement remain your property. We will return or delete such materials upon request following the conclusion of an engagement.

Limitation of Liability

To the maximum extent permitted by applicable Swiss law, our total aggregate liability to you — whether arising in contract, tort (including negligence), breach of statutory duty, or otherwise — in connection with any engagement or your use of this website shall not exceed the total fees actually paid by you to us in the 12-month period immediately preceding the event giving rise to the claim.

In no event shall we be liable for any:

Loss of profits, revenue, or anticipated savings;
Loss of business, contracts, or goodwill;
Indirect, incidental, special, or consequential loss or damage;
Loss arising from reliance on information published on this website without professional verification;
Loss arising from the decision of a regulatory authority to reject or delay a license application, regardless of the quality of the application materials.

Nothing in these Terms excludes or limits our liability for fraud, fraudulent misrepresentation, death or personal injury caused by our negligence, or any other liability that cannot be excluded under applicable Swiss law.

We are a consulting firm, not a law firm. We do not provide legal advice and cannot be held liable for regulatory outcomes. Licensing decisions are made solely by the relevant regulatory authority.

Indemnification

You agree to indemnify, defend, and hold harmless CryptoLicenses.net and its directors, employees, agents, and contractors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

Any misrepresentation made by you to us or to any regulatory authority in connection with a license application;
Your misuse of this website or any content hereon;
Your breach of these Terms or any engagement letter;
Your violation of any applicable law, regulation, or third-party right;
Any claim by a third party arising from information or materials you have provided to us for use in the delivery of our services.

This indemnification obligation survives the termination of any engagement and the expiry or termination of these Terms.

Governing Law and Disputes

These Terms and any engagement letter, and any non-contractual obligations arising out of or in connection therewith, are governed by and construed in accordance with the laws of Switzerland, specifically the laws of the Canton of Zug, without regard to conflict of law principles.

Any dispute, controversy, or claim arising out of or in relation to these Terms, including the validity, invalidity, breach, or termination thereof, shall be resolved as follows:

Negotiation: The parties shall first attempt in good faith to resolve any dispute by negotiation within 30 days of one party notifying the other in writing of the dispute.
Litigation: If the dispute cannot be resolved by negotiation, it shall be submitted to the exclusive jurisdiction of the competent courts of the Canton of Zug, Switzerland.
Arbitration (where agreed): Where expressly agreed in a signed engagement letter, disputes may alternatively be resolved by binding arbitration under the Swiss Rules of International Arbitration of the Swiss Arbitration Centre, with the seat of arbitration in Zug, Switzerland. The arbitration shall be conducted in English.

If you are a consumer located in the EU or EEA, you may also have rights under applicable mandatory consumer protection laws in your country of residence that cannot be overridden by these Terms.

Changes to These Terms

We reserve the right to update or modify these Terms of Service at any time. When we make material changes, we will update the "Last updated" date shown at the top of this page. For existing clients with a signed engagement letter in place, changes to these Terms shall not affect the terms of that engagement unless the engagement letter is amended in writing.

Your continued use of this website following the posting of updated Terms constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you should discontinue your use of the website and, if applicable, notify us of your intention to terminate any existing engagement in accordance with the terms of your engagement letter.

We encourage you to review these Terms periodically. Previous versions are available on request. These Terms were last updated in March 2026.

Contact

For any questions, concerns, or notices relating to these Terms of Service, please contact us:

Email: info@cryptolicenses.net
Address: CryptoLicenses.net, Grafenauweg 4, 6300 Zug ZG, Switzerland

Legal notices must be sent in writing by email with confirmation of receipt, or by registered post to the address above. We aim to acknowledge all formal notices within 5 business days.

If you wish to enquire about our services or obtain a quote, please visit our contact page or email us at info@cryptolicenses.net. We typically respond to enquiries within one to two business days.