Terms of Service

Introduction & Agreement to Terms

These Terms of Service ("Terms") govern the use of the products and services provided by Independent Well USA Corp., doing business as Bitcoin Well ("Independent Well USA Corp.," "the Company," "we," "us," or "our").

By accessing or using any service provided by Independent Well USA Corp., including any website, web or mobile application, interface, API, or platform operated by us (collectively, the "Platform"), you agree to be bound by these Terms. If you do not agree, you must not use our services.

Independent Well USA Corp. does not:

Continued use of our services constitutes acceptance of these Terms and any updated versions.

1.1 BitGo Service Relationship

Independent Well USA Corp. may use BitGo Prime LLC and BitGo Trust Company, Inc. to support certain regulatory, settlement, and digital asset service functions.

Services that rely on BitGo may involve the routing of orders, the execution of trades, and the settlement of digital asset transactions through BitGo's licensed infrastructure. BitGo may handle the execution of orders and provide trade confirmation and settlement summaries. Information relating to onboarding, compliance screening, identity verification, or transaction processing may be shared with BitGo or its affiliates to support anti-money laundering, know-your-customer, and sanctions screening requirements.

BitGo is responsible for the processing and handling of any personal information it receives while providing these services. BitGo's privacy practices are described in the BitGo Privacy Policy, available at https://www.bitgo.com/privacy

To access any settlement, trading, or money movement services through BitGo you must review and agree to the applicable BitGo customer agreements (collectively, the "BitGo Customer Agreements"), which may include:

Independent Well USA Corp. will not enable access to BitGo services for you until you have accepted the applicable BitGo Customer Agreements. Those are between you and the BitGo Entities, and Independent Well is not a party to them.

Independent Well USA Corp. remains responsible for its customer relationships, including customer support, compliance oversight, and all customer facing obligations associated with the use of the services.

These Terms incorporate by reference:

These documents form part of your agreement with the Company and apply to your use of our Platform.

1.3 No Financial, Investment, Legal, or Tax Advice

The Company does not provide financial, investment, legal, accounting, or tax advice. No information provided through the Platform, our website, customer support interactions, marketing materials, or educational resources should be interpreted as a recommendation or solicitation to engage in any specific transaction, strategy, or course of action.

You are solely responsible for evaluating your own financial situation and risk tolerance and should consult with qualified professionals as needed.

2. Regulatory Disclosure

Independent Well USA Corp. is a United States company organized under the laws of the State of Wyoming and is registered with the Financial Crimes Enforcement Network ("FinCEN") as a Money Services Business under registration number 31000308454032. As an MSB, the Company is subject to the Bank Secrecy Act, the Anti-Money Laundering Act of 2020, and related regulations governing customer identification, transaction monitoring, reporting, and recordkeeping.

Independent Well USA Corp. collects, verifies, and maintains certain information to comply with applicable U.S. federal and state laws. By using our services, you acknowledge and agree that:

Use of our Platform is limited to individuals legally permitted to transact in digital assets under applicable U.S. law. You represent that you are not using our services on behalf of any sanctioned or prohibited person or entity.

3. Eligibility and User Representations

To use the Platform provided by Independent Well USA Corp., you must meet all eligibility requirements outlined in this section. By accessing or using our Platform, you represent and warrant that each statement below is true and will remain true for the duration of your use.

3.1 Age and Legal Capacity

You must be at least eighteen (18) years of age and capable of entering into legally binding contracts under the laws of your jurisdiction. If you do not meet these requirements, you are not permitted to use our Platform.

3.2 Residence

You must reside in a United States state or territory where Independent Well USA Corp. is authorized to operate through licensing or service provider licensing arrangements. The Company may restrict access to certain states or regions based on licensing, regulatory requirements, or risk considerations. You agree that you will not attempt to use our services from any location where use is prohibited.

You agree that you will not attempt to use our Platform from any location where use is prohibited, including through VPNs, proxies, or location-spoofing tools.

3.3 Identity Verification

You agree to provide accurate and complete information when creating an account or conducting activities through the Platform, and you consent to identity verification procedures carried out by Independent Well USA Corp. and/or the BitGo Entities (including their vendors). This may include the collection and validation of identifying information, documents, or other data required to satisfy the Company's obligations under the Bank Secrecy Act, the Anti-Money Laundering Act of 2020, and related regulations.

You represent that all information you supply is truthful, current, and complete. You authorize Independent Well to obtain, verify, and record information about you and your business as required by law.

3.4 Compliance With Laws

You agree that you will use the services only for lawful purposes and in compliance with all applicable federal, state, and local laws. This includes compliance with the Bank Secrecy Act, anti-money laundering regulations, tax reporting requirements, and any state laws applicable to digital asset transactions.

You represent that you are not the subject of any sanctions administered by the United States Department of the Treasury, Office of Foreign Assets Control (OFAC). You also represent that you are not using the Platform on behalf of any prohibited individual or entity.

3.5 Eligible Use of Services

You agree that you will use the Platform for your own personal or business purposes. You must not create an account or transact on behalf of another individual or entity unless expressly permitted under a separate written agreement with Independent Well USA Corp.

You agree that you will not use the Platform to facilitate fraud, scams, market manipulation, illegal gambling, prohibited online activities, money laundering, sanctions evasion, or any unlawful purpose.

3.6 Self-Custody Requirement

Independent Well USA Corp. is a self-custody first platform. Except where you separately enter into a custodial relationship with BitGo under the BitGo Customer Agreements, all digital assets accessed through the Platform are delivered to wallets you control.

You represent and warrant that:

You are solely responsible for:

The Company does not maintain custody of digital assets at any time. Neither the Company nor its service providers can recover lost private keys, access compromised wallets, or reverse bitcoin transfers.

4. Account Setup, Verification, and Consent to Electronic Communications

4.1 Account Creation

To access certain features of the Platform, you may be required to create an account with Independent Well USA Corp.

You agree to:

The Company may refuse to create an account, may limit functionality, or may terminate an account if required to comply with law, regulation, manage risk, or enforce these Terms or Company policy.

4.2 Identity Verification and Compliance Requirements

Independent Well USA Corp. is required to verify the identity of individuals and businesses using the Platform.

You agree to provide any information or documentation requested by The Company, its service providers, or their vendors, to satisfy the Company's obligations under the Bank Secrecy Act, the Anti-Money Laundering Act of 2020, FinCEN regulations, and applicable state laws.

Verification may include, but is not limited to:

You authorize the Company to conduct identity verification, sanctions screening, and other compliance related checks directly or through authorized service providers.

Failure to provide required information may result in delayed, restricted, or refused transactions.

4.3 Consent to Electronic Communications

By using the services, you consent to receive all communications electronically. This includes notifications, receipts, disclosures, account updates, agreements, and any legally required notices.

Electronic communications may be delivered by email, through your account dashboard, or through other electronic methods supported by the Company. You agree that electronic delivery constitutes valid and binding communication and satisfies any legal requirement for written notice.

It is your responsibility to:

If you withdraw consent to electronic communication, you may be unable to continue using the services.

4.3.1 SMS and Verification Codes

You consent to receive SMS messages for identity verification, security alerts, and transaction confirmations. Message and data rates may apply. You may opt out of non-essential messaging, but opting out of verification messages may prevent access to the services.

Delivery of SMS messages is not guaranteed and may depend on your mobile carrier.

4.4 Account Security Responsibilities

You are solely responsible for safeguarding your account credentials and for maintaining the security of any device used to access the services. You agree to notify the Company immediately if you suspect unauthorized access to your account.

The Company is not responsible for losses resulting from compromised credentials, malware, unauthorized access to your devices, or misuse of your account by third parties.

5. Services Accessible Through the Platform

Independent Well USA Corp. provides an online Platform that allows eligible users to access digital asset services offered by the Company and its service providers.

Services that may be accessible through the Platform include, depending on your eligibility and BitGo's offerings:

5.1 Access to Bitcoin Purchase Services

The Company may allow you to purchase bitcoin through supported payment methods. Purchases are delivered directly to a self custody wallet that you specify. The Company is not responsible for the security or functionality of your wallet or any third-party wallet software.

The Company may request additional information or impose transaction limits based on risk, compliance requirements, or payment method restrictions.

5.2 Access to Bitcoin Sale and Conversion Services

The Company may allow you to sell bitcoin in exchange for United States dollars. Settlement may be made by bank transfer, payment service provider, or other supported methods. The Company may require confirmation of wallet ownership or additional verification before processing a sale.

Transactions may be delayed or refused if they appear inconsistent with law, regulatory expectations, or Company policy.

5.3 Recurring Purchase Services

The Company may offer recurring purchase features that allow you to schedule automatic bitcoin purchases at intervals you select. You are responsible for ensuring the accuracy of payment information and for maintaining sufficient funds to complete scheduled purchases.

Recurring purchases remain in effect until you cancel them through your account or customer support. The Company may pause or cancel recurring purchases to satisfy compliance obligations or for risk related reasons.

5.4 Self Custody and Wallet Education Services

The Company may provide resources, tools, or educational materials intended to help you understand bitcoin, self custody, and related security practices. These materials are informational and are not financial, investment, tax, or legal advice.

You are solely responsible for selecting, configuring, and maintaining your own digital wallet and for safeguarding private keys and recovery phrases.

5.5 Business Accounts and Services

Independent Well USA Corp. may support business access to the Platform. Businesses must provide formation documents, authorized signatory information, beneficial ownership details, and any additional documentation required under the Bank Secrecy Act and FinCEN's Customer Due Diligence requirements.

The Company or its service providers may refuse or terminate a business account if required to comply with regulatory obligations or if the activity presents unacceptable risk.

5.6 Lightning Network and Other Features

If supported, the Platform may provide access to Lightning Network payments or other bitcoin-related features offered by the Company's service providers or third parties. Lightning transactions are final and irreversible. Transaction times, fees, and reliability may vary based on network conditions.

The Company does not guarantee the performance or availability of Lightning services.

5.7 Service Availability

Access to the Platform or the services offered by the Company's service providers may be limited or unavailable due to maintenance, disruptions, regulatory requirements, or other operational reasons. The Company does not guarantee continuous or uninterrupted access to any service.

The Company may modify, suspend, or discontinue access to any service at any time. Material changes will be communicated through the Company's website, email, or other electronic methods.

6. Fees, Pricing, and Payment Terms

Independent Well USA Corp. may charge platform or service fees for providing access to services and for operating the Platform. All fees, prices, exchange rates, and payment terms applicable to your use of the services are described in this section or in service-specific disclosures made available to you prior to completing a transaction.

6.1 Pricing and Exchange Rates

Instant Buy: If you select the instant buy option, your exchange rate is locked in when you complete your purchase request. Bitcoin is delivered once your payment has settled, which typically occurs within one to five business days, depending on your payment method and financial institution. The price you receive is fixed at the time you confirm your purchase.

Fund Account and Buy: If you choose to fund your account first, your exchange rate is locked in when you select the buy option after your funds have been received and are available. The price is determined at the time you complete the buy request.

Selling Bitcoin: If you choose to sell bitcoin through the services, you will be shown an estimated price when you begin the sell request. This estimated price is not guaranteed. Your exchange rate is locked in only after the Company receives and verifies your bitcoin transfer to the address provided. The final price you receive is the rate in effect at the time your bitcoin is received and confirmed.

6.2 Service Fees

Independent Well USA Corp. charges fees for certain services, which may include transaction fees, network fees, or service-specific charges. These fees will be disclosed to you on the Platform at the time of your request.

You agree to pay all applicable fees at the time they are assessed. Fees are non-refundable unless required by law.

6.3 Payment Methods

Fiat payments (such as ACH transfers or wire transfers) are processed by the Company's service providers and its authorized financial institutions and payment providers. Independent Well does not originate, receive, hold, transmit, or process customer funds at any time.

When you connect your bank account or initiate a payment through the Platform, you authorize the Company's service providers and its payment providers to:

All ACH rules, bank policies, and payment provider requirements apply between you, and the Company's service providers, and the applicable financial institution. Independent Well is not responsible for the timing, execution, acceptance, rejection, or reversal of any payment.

The Company may support various payment methods, including bank transfers, automated clearing house transactions, and third-party payment processors. Accepted payment methods may vary based on your location, transaction size, or account verification status.

You authorize the Company or its service providers to initiate transfers or charges necessary to complete your transactions and to correct any errors or adjustments.

6.3.1 ACH Authorization

If you choose to pay for transactions using automated clearing house transfers, you authorize Independent Well USA Corp. and its payment partners to initiate ACH debits and credits to and from your designated bank account. This authorization includes debits for bitcoin purchases, credits for bitcoin sales, and adjustments for returned or corrected transactions.

You confirm that you are an authorized signer on the bank account used for ACH transfers and that the information provided is accurate and complete. You agree to maintain sufficient funds to complete ACH transactions and understand that the Company may re-initiate debits or credits when permitted by NACHA rules.

If an ACH transfer is returned, reversed, or rejected, you remain responsible for the full amount of the transaction and any associated fees.

6.4 Authorization and Holds

You authorize the Company to place temporary holds on funds or transactions when necessary to verify information, prevent fraud, satisfy compliance obligations, or manage risk. The Company may delay or cancel transactions if required to comply with law or policy.

You agree not to attempt to reverse or charge back a payment without first contacting the Company. Unauthorized reversals may result in account restrictions or collection actions.

6.5 Reversals and Chargebacks

If a payment you authorize is returned, rejected, reversed, or charged back for any reason, you remain responsible for the full amount of the transaction and any associated fees.

Bitcoin transactions are final once delivered to your wallet. If a payment is reversed or charged back after bitcoin has been delivered, you remain responsible for repaying the full amount owed to the Company.

A reversal or chargeback after delivery of bitcoin will result in permanent closure of your access to the services. Accounts with unpaid balances may be referred to collection or legal action as permitted by law.

6.6 No Refunds on Completed Bitcoin Transactions

All bitcoin transactions are final once broadcast to the blockchain or delivered to your wallet. Bitcoin transfers cannot be reversed, refunded, or recovered by the Company.

It is your responsibility to verify the accuracy of all transaction details, including wallet addresses, before completing a transaction.

6.7 Taxes

You are solely responsible for determining and fulfilling any tax obligations related to your use of the services. Independent Well USA Corp. does not provide tax advice and does not report tax obligations on your behalf except as required by law.

7. Risk Disclosures and No Financial Advice

Bitcoin involves significant risk. By using the services, you acknowledge that you understand and accept all risks associated with acquiring, holding, transferring, or selling bitcoin.

7.1 Market Risk

Bitcoin prices can change rapidly and unpredictably. The value of bitcoin may increase or decrease at any time and may become volatile due to market conditions, regulatory developments, technological changes, or other external factors. You may lose some or all of the value of any bitcoin you purchase. The Company is not responsible for losses resulting from market fluctuations.

7.2 Transaction and Technological Risk

Bitcoin transactions are irreversible. Once a transaction is broadcast to the blockchain or delivered to your wallet, it cannot be canceled or recovered. You are responsible for verifying the accuracy of wallet addresses and transaction details before confirming any purchase or sale.

Bitcoin and related technologies may experience delays, congestion, forks, network instability, security vulnerabilities, or operational disruptions. The Company cannot control the bitcoin network and is not responsible for network failures or delays.

7.3 Self Custody and Security Risk

Independent Well USA Corp. does not provide custody services and does not hold or manage bitcoin on your behalf. All bitcoin purchased through the services is delivered directly to a wallet that you control. You are solely responsible for safeguarding your wallet, private keys, recovery phrases, devices, and any tools used to access or manage your bitcoin.

Loss or compromise of your private keys will result in permanent loss of access to your bitcoin. The Company cannot retrieve lost keys or provide access to a compromised wallet.

7.4 Regulatory Risk

Bitcoin is subject to evolving regulatory frameworks at the federal and state levels. Regulations may change at any time and may affect the availability, legality, or terms of using our services. The Company may modify, suspend, or discontinue services to comply with applicable law.

7.5 No Financial or Investment Advice

Independent Well USA Corp. does not provide financial, investment, legal, accounting, tax, or other professional advice. Any information provided through the services, including educational materials or customer support communications, is for informational purposes only.

You are responsible for evaluating your financial situation, risk tolerance, and investment objectives. You should consult a qualified professional before making financial or tax-related decisions.

7.6 No Fiduciary Relationship

Your relationship with Independent Well USA Corp. is solely that of a service provider and customer. The Company does not act as your agent, advisor, fiduciary, or custodian. You alone are responsible for decisions related to bitcoin purchases, sales, custody, and use.

8. Prohibited Uses

You may use Independent Well USA Corp.'s services only for lawful purposes and in accordance with these Terms. The following activities are strictly prohibited. Attempting, facilitating, or assisting others to engage in these activities is also prohibited.

8.1 Illegal Transactions

You may not use the services to engage in or facilitate any activity that violates federal, state, or local law. This includes activity related to:

8.2 Money Laundering and Financial Crime

You may not use the services to structure transactions, evade reporting requirements, or conceal the nature, source, location, ownership, or control of funds or digital assets.

Prohibited activities include:

8.3 Sanctions Violations

You may not use the services if you are located in, ordinarily resident in, or acting on behalf of a person or entity located in a restricted jurisdiction. You may not use the services if you are subject to sanctions administered by the Office of Foreign Assets Control (OFAC).

8.4 Fraudulent Activity

You may not use the services to:

8.5 Harmful or Abusive Conduct

You may not:

8.6 Third-Party Use

You may not use the services on behalf of another person or entity unless you have a separate written agreement with Independent Well USA Corp. permitting such use. You may not sell, transfer, or assign your access to the services.

8.7 High-Risk or Unsupported Activity

Certain activities may be restricted or prohibited based on risk or regulatory considerations, including:

Independent Well USA Corp. may refuse, restrict, or terminate access to the services if prohibited activity is suspected or identified.

9. Account Suspension, Termination, and Compliance Holds

Independent Well USA Corp. may suspend, restrict, or terminate your access to the services when required to comply with legal obligations or when necessary to protect the Company, its users, or the integrity of the financial system. The Company may also delay or block transactions during compliance reviews or risk assessments.

9.1 Compliance and Risk-Based Holds

The Company may place a temporary hold on transactions, account activity, or access to certain features while it investigates or reviews information relevant to compliance or risk management. Holds may be applied for reasons that include:

You may be asked to provide additional information or documentation during a compliance hold. Failure to provide requested information may result in delayed, restricted, or denied transactions.

9.2 Suspension of Access

The Company may suspend access to your account or the services if:

Suspension may be lifted once the underlying issue is resolved, subject to the Company's assessment.

9.3 Termination of Access

The Company may terminate your access to the services, with or without notice, if:

If your account is terminated, all pending transactions may be canceled or refused. You remain responsible for any outstanding fees, debts, or obligations.

9.4 Legal Orders and Government Requests

Independent Well USA Corp. will comply with lawful orders from courts, regulators, and government agencies. The Company may restrict access, freeze transactions, or provide information when required by law.

9.5 No Liability for Suspension or Termination

The Company is not liable for losses resulting from account suspension, termination, or compliance holds, including delays, inability to access funds, or market movements. These actions may be necessary to satisfy regulatory requirements or to protect the integrity of the services.

10. Intellectual Property and Use of the Services

All content, materials, and technology made available through the services are owned by Independent Well USA Corp. or licensed to the Company. You receive a limited right to use the services for lawful personal or business purposes, subject to these Terms.

10.1 Ownership of Content

Unless otherwise stated, the Company owns all rights, title, and interest in:

No transfer of ownership is granted by your use of the services.

10.2 Limited License

The Company grants you a limited, non-exclusive, revocable, and non-transferable license to access and use the services for lawful purposes in accordance with these Terms.

This license does not permit:

Any unauthorized use terminates your license automatically.

10.3 Restrictions on Use

You agree not to:

10.4 Trademarks

"Bitcoin Well," the Bitcoin Well logo, and any other Company names or marks are trademarks of Independent Well USA Corp. or its affiliates. You may not use these trademarks without prior written permission.

10.5 Third-Party Content and Tools

The services may provide access to tools, features, or content offered by third parties. The Company does not control or endorse third-party materials and is not responsible for their accuracy, security, or performance.

Use of third-party resources is at your own risk and may be subject to separate terms and privacy practices.

11. Privacy and Data Handling

Your use of the services is subject to the Independent Well USA Corp. Privacy Policy. The Privacy Policy explains how personal information is collected, used, stored, and protected. It also describes the rights available to individuals and the safeguards the Company applies to personal information in its possession.

Independent Well USA Corp. collects and uses personal information to deliver services, verify identity, process transactions, meet legal and regulatory obligations, and maintain the security of its systems. The Company retains and uses customer information in accordance with the Bank Secrecy Act, the Anti-Money Laundering Act of 2020, and applicable state laws.

You acknowledge and agree that the Company may share information with third parties when necessary to operate the services or to comply with legal requirements. This may include sharing information with:

The Company does not sell personal information and does not share data for marketing purposes. Any information shared with service providers is limited to what is required for them to perform their functions on behalf of the Company and is subject to appropriate confidentiality and security protections.

12. Indemnification

You agree to indemnify, defend, and hold harmless Independent Well USA Corp., its officers, directors, employees, contractors, and service providers from and against any claim, loss, liability, damage, cost, or expense that arises from:

You agree to cooperate fully in the defense of any claim. The Company reserves the right to assume exclusive defense and control of any matter subject to indemnification. You may not settle any claim without the Company's prior written consent.

This indemnification obligation survives termination of your account and your use of the services.

13. Limitation of Liability

Independent Well USA Corp. provides the services on an "as is" and "as available" basis. To the fullest extent permitted by law, the Company disclaims all warranties, whether express or implied, including any warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted operation.

13.1 No Liability for Certain Losses

Independent Well USA Corp. is not liable for any loss or damage arising from:

You understand that bitcoin transactions are irreversible and that the Company cannot reverse, cancel, or recover bitcoin once delivered to your wallet.

13.2 Exclusion of Consequential Damages

To the fullest extent permitted by law, the Company is not liable for any indirect, incidental, special, punitive, or consequential damages. This includes loss of profits, loss of data, loss of opportunity, or business interruption, even if the Company has been advised of the possibility of such damages.

13.3 Limitation on Total Liability

To the fullest extent permitted by law, the total liability of Independent Well USA Corp. for any claim arising out of or relating to these Terms or your use of the services is limited to the total amount of fees paid by you to the Company during the twelve months preceding the event giving rise to the claim.

13.4 Allocation of Risk

These limitations reflect an agreed allocation of risk. The services would not be provided without these limitations. The limitations and disclaimers contained in this section apply regardless of the form of action, whether in contract, tort, strict liability, or otherwise.

13.5 Exceptions Where Not Permitted

Some jurisdictions do not allow certain limitations of liability. If any limitation in this section is found unenforceable, the remaining limitations will remain in effect to the fullest extent permitted by law.

14. Dispute Resolution and Mandatory Arbitration

Please read this section carefully. It requires you to resolve disputes with Independent Well USA Corp. through binding arbitration and limits the manner in which you may seek relief. You agree to this arbitration requirement as a condition of using the services.

14.1 Agreement to Arbitrate

Any dispute, claim, or controversy arising out of or relating to these Terms, the services, or any transaction conducted through the services will be resolved exclusively through binding arbitration. Arbitration will be administered by the American Arbitration Association under its Consumer Arbitration Rules. The Federal Arbitration Act governs the interpretation and enforcement of this agreement to arbitrate.

14.2 Arbitration Process

Arbitration will be conducted by a single arbitrator. The arbitrator will have the authority to resolve all disputes, including disputes relating to the interpretation, applicability, or enforceability of this arbitration agreement.

Arbitration may be conducted by video conference, telephone, or based on written submissions if agreed by the parties. The arbitration will take place in the State of Wyoming unless both parties agree to another location.

14.3 No Class Actions

You agree that any arbitration or legal proceeding will be conducted only on an individual basis. You may not participate in a class action, collective action, private attorney general action, or any other proceeding brought by a group or representative capacity.

The arbitrator has no authority to consolidate claims or to preside over any form of representative or class proceeding.

14.4 Exceptions to Arbitration

This arbitration agreement does not prevent either party from seeking temporary or preliminary relief in a court of competent jurisdiction to protect rights or preserve the status of a matter pending arbitration. Either party may also bring an action in court to enforce an arbitration award.

Other than these limited exceptions, all disputes must be resolved through arbitration.

14.5 Waiver of Jury Trial

You understand and agree that by accepting these Terms, you are waiving your right to a trial by jury.

14.6 Opt Out Right

If you do not wish to be bound by this arbitration agreement, you must notify Independent Well USA Corp. in writing within thirty days of accepting these Terms. Your notice must include your name, address, and a clear statement that you opt out of arbitration. Opt out requests must be mailed to:

Independent Well USA Corp. Attn: Arbitration Opt Out 30 N Gould St Ste 100 Sheridan, WY 82801

If you opt out, you will still be bound by all other Terms.

14.7 Survival

This arbitration agreement survives termination of your account and termination of these Terms.

15. Changes to the Services and Terms

Independent Well USA Corp. may modify, update, or discontinue any part of the services at any time. This may include changes to features, functionality, supported payment methods, transaction limits, or service availability. The Company may also update these Terms when required to reflect changes in law, regulation, technology, or business operations.

15.1 Updates to the Terms

When the Company makes material changes to these Terms, the updated version will be posted on the Company's website with the effective date noted at the top. The Company may also provide notice by email or through other electronic methods.

You are responsible for reviewing the Terms regularly. Your continued use of the services after the effective date of an updated version constitutes acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the services.

15.2 Changes to Services

The Company may modify, suspend, or discontinue any service at its discretion. This includes changes required to comply with legal obligations, manage risk, or update technology. The Company is not liable for any loss or inconvenience arising from changes or interruptions to the services.

15.3 No Waiver of Rights

Failure by the Company to enforce any provision of the Terms does not constitute a waiver of that provision. The Company may enforce its rights at any time.

16. Governing Law

These Terms and any dispute arising out of or relating to your use of the services are governed by the laws of the State of Wyoming, without regard to conflict of law principles. The Federal Arbitration Act governs the interpretation and enforcement of the arbitration agreement contained in these Terms.

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

17. Entire Agreement

These Terms, together with the Privacy Policy and any service specific disclosures made available by Independent Well USA Corp., form the entire agreement between you and the Company regarding your use of the services. These documents replace any prior agreements, understandings, or representations related to the services.

No employee, contractor, or representative of the Company is authorized to modify these Terms or make any additional promises unless the modification is provided in a written document signed by an authorized officer of the Company.

18. Miscellaneous

18.1 Assignment

You may not assign or transfer any rights or obligations under these Terms without the prior written consent of Independent Well USA Corp. The Company may assign or transfer its rights or obligations in connection with a merger, acquisition, corporate restructuring, or sale of assets, or to an affiliate or service provider, provided that such assignment does not reduce your rights under these Terms.

18.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be interpreted in a manner that best reflects the original intent while remaining enforceable.

18.3 Force Majeure

Independent Well USA Corp. is not responsible for any delay or failure to perform resulting from events outside its reasonable control. These events may include natural disasters, power outages, labor disputes, equipment failures, cyberattacks, acts of government, network disruptions, or other circumstances beyond the Company's control.

18.4 No Third-Party Beneficiaries

These Terms are for the exclusive benefit of you and Independent Well USA Corp. No third party has any rights under these Terms.

18.5 Notices

Notices from the Company may be delivered electronically, including by email, through your account, or through postings on the Company's website. You are responsible for maintaining accurate contact information and for regularly reviewing communications related to your account.

Notices to the Company must be sent in writing to:

Independent Well USA Corp. Attn: Legal Department 30 N Gould St Ste 100 Sheridan, WY 82801

18.6 Headings

Headings are included for convenience only and do not affect the interpretation of these Terms.

19. Contact Information

If you have questions about these Terms or the services provided by Independent Well USA Corp., you may contact the Company using the information below.

General inquiries: hello@bitcoinwell.com Privacy inquiries: privacy@bitcoinwell.com Legal notices: hello@bitcoinwell.com

Mailing address: Independent Well USA Corp. Attn: Legal Department 30 N Gould St Ste 100 Sheridan, WY 82801

The Company may update its contact information from time to time. Updated details will be posted on the Company's website.