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Please read these terms carefully before using our services.
X-Border is operated by Money X-Border Co., Ltd (“We”, “Our”, “Us” or the “Company”).
By accessing our website, “You” or “Customer” means any individual who registers for, accesses, or uses the Company’s services for personal transactions. You are agreeing to be bound by these terms of service, and agree that you are responsible for compliance with any applicable local laws. These terms constitute a legally binding agreement between you and us.
By clicking “Agree” or continuing to use the Company’s services, the Customer confirms that they have read, understood, and accepted these Terms and Conditions, as updated from time to time, and that they have the legal capacity and authority to enter into the Agreement. The Customer further acknowledges and agrees to the Company’s Privacy Policy and Cookies Policy, including consent to the collection, use, and storage of personal data in accordance with those policies, with the option to manage or withdraw consent to non‑essential cookies at any time. If the Customer rejects these Terms and Conditions, the Company reserves the right to refuse service, restrict access, or limit certain features.
We reserve the full right, at our sole and absolute discretion, to amend, supplement, replace, or remove all or any part of this Agreement at any time. All changes will be notified to you by posting an updated version of the Agreement on the Platform. The 'Last Updated' date at the top of the document will be adjusted accordingly. This posting is considered the official, public, and valid form of notice to all Customers. The changes will become legally binding on you immediately from the moment the new version is posted, unless otherwise specified in the notice. You are responsible for regularly accessing and reviewing this Agreement to be aware of any changes. We have no obligation to send individual notices to each Customer. Your continued access or use of the Platform after the changes take effect will be deemed as your full, unconditional, and irrevocable agreement and acceptance of the modified version of the Agreement.
We only accept to provide Services to Customers who meet the conditions of our customer acceptance policy.
We have no obligation to monitor all activities or content on the Platform. However, we reserve the full right, at our sole discretion, to monitor, review, and record any activity on the Platform without prior notice.
We have the sole and absolute right to interpret and determine whether a Customer’s conduct constitutes a violation of this Agreement.
In the event of a violation, or if we reasonably suspect one, the Company reserves the right, immediately and without prior notice, to refuse or suspend Services to the Customer, disclose information regarding the violation to law enforcement agencies, regulatory bodies, or other relevant third parties as deemed necessary, and pursue all available legal remedies, including claims for damages arising from the violation.
Unilateral Right of Modification: We reserve the full and sole right to modify this Agreement at any time by posting a new version. Your continued use of the Platform thereafter shall constitute your irrevocable acceptance.
Right of Suspension and Change: We reserve the right, at any time and at its sole discretion, to suspend, restrict, change, or permanently terminate the operation of all or part of the Platform and the Ancillary Services. These actions may be taken for any reason or no reason, including but not limited to: (i) Maintenance, upgrades, or system repairs; (ii) Security issues; (iii) Requests from competent state authorities or changes in the law; and (iv) our strategic business decisions. Unless otherwise required by law, we will take these actions without prior notice and will not be liable to you or any third party for any inconvenience, loss, or damage arising from the exercise of this right.
a) Termination by you: You may terminate this Agreement at any time by completely ceasing to access and use the Platform.
b) Termination by Us: We have the sole and absolute right to suspend or permanently terminate your access to the Platform, immediately, without prior notice, and without cause. Circumstances that may lead to termination include, but are not limited to, your violation of any term of this Agreement, or conduct that we deem harmful to the Platform or the user community.
Survival of Clauses: The clauses on Intellectual Property Rights, Disclaimer of Liability, Limitation of Liability, and Governing Law shall continue in effect even after the termination of this Agreement.
The Customer acknowledges and accepts that transactions involving digital assets carry significant risks. These risks include, but are not limited to:
The Company does not provide financial, investment, or legal advice. All decisions made by the Customer are at their sole discretion and responsibility. The Company shall not be liable for any losses or damages arising from the Customer’s reliance on market movements, third‑party services, or personal financial judgment, except in cases of fraud or gross negligence by the Company. Customers are strongly advised to carefully assess their financial situation and risk tolerance before engaging in any digital asset transactions. By creating an account using X-Border services, you acknowledge and represent that you have read, understood, and accepted the risks set out in the Risk Disclosure, and that you understand the risks involved with buying, selling, holding or investing in Digital Assets.
Due to the specificity of the Service, the Customer agrees to assist in providing additional transaction information upon receiving a request for assistance in providing transaction information even after the Customer has completed using our Service
The Customer agrees that we will not be liable for any delay or failure to perform as required by the Agreement to the extent the delay or failure is caused by a Force Majeure Event.
Acknowledgement of our Exclusive Ownership: You acknowledge that the Platform and all related Intellectual Property are the exclusive and sole property of us and our licensors, protected to the fullest extent by the laws of Vietnam and international conventions.
Limited, Conditional, and Revocable License: We grant you a limited, non-exclusive, non-transferable license, which may be revoked at any time at our sole discretion. This license is for personal, non-commercial use only. Any violation will result in the immediate and automatic termination of this license.
Strictly Prohibited Infringing Acts: You are not permitted to: Copy, distribute, modify, create derivative works from, commercially use, reverse engineer, data scrape, use trademarks, or "frame" any part of the Intellectual Property without our prior written consent.
Feedback and Contributions: Any feedback, ideas, or suggestions you provide to us shall be deemed non-confidential, and you irrevocably assign all ownership rights of such feedback to us without any right to compensation or attribution.
Remedies for Breach: Any breach of Article 2 will cause irreparable harm. We are entitled to seek immediate injunctive relief from a court to prevent any such breach.
Governing Law: This Agreement, and all legal issues arising from or related to it, shall be governed and construed solely in accordance with the laws of the Socialist Republic of Vietnam.
a) Any disputes, disagreements, or claims arising from or related to this Agreement ("Dispute") must first be attempted to be resolved by the parties through good-faith negotiation within thirty (30) days.
b) In the event that negotiation is unsuccessful after the above period, the Dispute shall be finally settled at the Vietnam International Arbitration Centre ("VIAC") at the Vietnam Chamber of Commerce and Industry, in accordance with the Arbitration Rules of VIAC ("VIAC Rules") in force at that time, and these rules are deemed to be incorporated as an integral part of this clause. The Arbitral Tribunal shall consist of three (03) sole arbitrators. The place of arbitration shall be Ho Chi Minh City, Vietnam. The language of arbitration shall be Vietnamese. The arbitral award shall be final and binding on the parties.
To the fullest extent permitted by law, the parties agree that any arbitration shall be conducted solely on an individual basis and not as part of a class, consolidated, or representative action. The User expressly waives any right to participate, whether as a plaintiff or as a member of a group, in any class action lawsuit.
Legal Costs: In the event of any arbitration or legal action to enforce or interpret this Agreement, the prevailing party shall be entitled to be reimbursed by the losing party for all reasonable legal costs, including but not limited to arbitration fees, attorneys' fees, and other litigation costs.
Platform Principle: we provide all Ancillary Services on an "as is" and "as available" basis. This means we make no commitments or warranties regarding their quality, performance, or suitability. To the fullest extent permitted by law, we expressly disclaims all warranties, whether express, implied, or statutory, including but not limited to: (i) Warranties of accuracy, completeness, reliability, timeliness, or non-infringement of information and data; (ii) Warranties of merchantability or fitness for a particular purpose; (iii) Warranties of continuous, uninterrupted, secure, or virus-free operation; and (iv) Warranties of non-infringement of third-party intellectual property rights. We have no obligation to correct errors, provide updates, or offer technical support for any Ancillary Services.
We will not be liable for indirect, incidental, consequential, special, or punitive damages, including lost profits, lost revenue, or business interruption.
For Customer support please contact (contact@x-border.com). For general inquiries please contact (contact@x-border.com). Authorized law enforcement agencies may use (contact@x-border.com) to submit official requests for information or cooperation.
Definitions: Unless the context otherwise requires, the capitalized terms in this Agreement shall have the meanings as defined below.
'Agreement': is the entire text of this 'Platform Usage Agreement', the version in effect at any given time, including the Privacy Policy and any other policies referenced by us herein.
'Platform': is the system of channels and interfaces operated by us to provide information and marketing, including the website xborder.io, future mobile applications, and official marketing communication channels.
'Applicant': is an individual or organization that has initiated the registration process on the Platform to use the Core Services, has provided information to us, but has not yet received final approval from us. The provisions on security and privacy will apply to the Applicant from the moment they begin providing information.
'Prohibited Content': is any information, data, text, image, video, audio, or other material that a User posts, displays, or disseminates on the Platform, and which, at our sole and absolute discretion, is deemed to violate the law, ethical standards, or the provisions of this Agreement. This list includes, but is not limited to:
(i) Content that is defamatory, libelous, slanderous, or causes harm to the honor and reputation of other individuals or organizations.
(ii) Content that is pornographic, obscene, indecent, or contrary to the traditional customs and morals of Vietnam.
(iii) Content that is hateful, incites violence, or is discriminatory based on race, religion, gender, nationality, sexual orientation, or any other characteristic protected by law.
(iv) Content that is false, fraudulent, or misleading to others.
(v) Content that infringes upon the intellectual property rights, trade secrets, or other proprietary rights of any party.
(vi) Spam, unsolicited advertising, or illegal multi-level marketing schemes.
(vii) And any other content that we, in its sole discretion, deems inappropriate or potentially harmful to the Platform, its brand, or its community of users.
'Ancillary Services': are all functions, tools, and content provided for free on the Platform.
'Intellectual Property': is all intellectual property rights, whether registered or unregistered, that constitute or are displayed on the Platform.
'Core Services': are the for-fee financial technology services provided by us to registered and approved Customers.
Force Majeure: Any event or circumstance beyond the reasonable control of a party, including but not limited to natural disasters, acts of government, war, terrorism, labor disputes, technical failures, or other unforeseen events, which prevent or delay the performance of obligations under this Agreement.
Crypto Assets: Digital representations of value or rights that are secured by cryptography and distributed ledger technology, including but not limited to cryptocurrencies, tokens, and other blockchain‑based assets.
Fiat: Government‑issued currency that is legally recognized as tender, such as the Vietnamese Dong (VND), U.S. Dollar (USD), or Euro (EUR).