Legal

Last updated: 10 June 2026

1. Introduction

These Terms and Conditions ("Terms") govern the use of services provided by Coild Ltd ("Company", "we", "our", or "us").

By accessing our website, requesting information, submitting an application, entering into a business relationship, or using any services provided by the Company, you agree to be bound by these Terms.

If you do not agree with these Terms, you must immediately discontinue use of our website and services.

2. Nature of Services

The Company provides introductions, consulting, payment infrastructure, banking introductions, payment gateway solutions, merchant acquiring solutions, foreign exchange solutions, open banking solutions, compliance support, and related financial technology services.

The Company does not guarantee approval, onboarding, account opening, payment processing capabilities, transaction volumes, banking relationships, or merchant account availability.

All approvals remain subject to the independent assessment of regulated financial institutions, acquiring banks, payment service providers, electronic money institutions, and other third parties.

3. Eligibility

You represent and warrant that:

• You are legally authorized to enter into a binding agreement.
• All information submitted is accurate and complete.
• You are not subject to sanctions.
• You are not acting on behalf of a prohibited person or entity.
• Your business activities comply with all applicable laws.

4. AML, KYC and Compliance

The Company reserves the right to conduct:

• Know Your Customer (KYC) verification.
• Know Your Business (KYB) verification.
• Source of Funds verification.
• Source of Wealth verification.
• Enhanced Due Diligence.
• Politically Exposed Person screening.
• Sanctions screening.
• Ongoing transaction monitoring.

The Company may request additional documentation at any time.

Failure to provide requested information may result in refusal, suspension, termination, or reporting to relevant authorities.

5. Prohibited Activities

The following activities are prohibited:

• Money laundering.
• Terrorist financing.
• Fraud.
• Sanctions evasion.
• Human trafficking.
• Child exploitation.
• Unauthorized gambling activities.
• Illegal financial services.
• Unlicensed securities activities.
• Market manipulation.
• Any activity violating applicable laws.

The Company may immediately terminate services if prohibited activities are suspected.

6. Third-Party Providers

The Company works with banks, payment service providers, electronic money institutions, card acquirers, cryptocurrency service providers, and other financial institutions.

The Company is not responsible for:

• Decisions made by third parties.
• Delays caused by third parties.
• Account closures.
• Reserve requirements.
• Chargeback actions.
• Compliance reviews.
• Risk assessments.

All such decisions remain solely within the discretion of the relevant provider.

7. No Financial or Legal Advice

Information provided through the website or services is for informational purposes only.

Nothing contained on the website constitutes:

• Legal advice.
• Financial advice.
• Tax advice.
• Investment advice.
• Regulatory advice.

Clients should seek independent professional advice before making business decisions.

8. Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for:

• Indirect damages.
• Consequential damages.
• Loss of profits.
• Loss of revenue.
• Loss of goodwill.
• Business interruption.
• Loss of anticipated savings.
• Regulatory actions.
• Banking partner decisions.
• Account freezes.
• Account closures.
• Payment delays.
• Chargebacks.
• Fraud losses.

The aggregate liability of the Company shall not exceed the total fees paid by the Client to the Company during the preceding twelve (12) months.

9. Indemnification

The Client agrees to indemnify, defend, and hold harmless the Company, its directors, officers, employees, contractors, agents, affiliates, and partners from any claims, liabilities, losses, damages, penalties, fines, costs, and legal expenses arising from:

• Client misconduct.
• Regulatory violations.
• Fraudulent activity.
• Breach of these Terms.
• Misrepresentations by the Client.
• Third-party claims related to the Client's business activities.

10. Regulatory Disclaimer

The Company may introduce clients to regulated entities.

Unless expressly stated otherwise, the Company is not itself a bank, payment institution, electronic money institution, investment firm, cryptocurrency exchange, or regulated financial institution.

Any regulated services are provided by appropriately licensed third-party institutions.

11. Suspension and Termination

The Company may suspend, restrict, or terminate services immediately if:

• Risk concerns arise.
• Compliance concerns arise.
• Regulatory obligations require action.
• Fraud is suspected.
• Information provided is inaccurate.

No compensation shall be payable for lawful suspensions or terminations.

12. Intellectual Property

All website content, trademarks, branding, software, and materials remain the exclusive property of the Company.

No rights are granted except as expressly provided.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales.

Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Contact Information

Coild Ltd

20 Wenlock Road
London
N1 7GU
England

Email: hello@coild.co

Website: coild.co

Last updated: 10 June 2026

This Privacy Policy describes how Coild Ltd (“we”, “us”, or “our”) collects, uses, and protects your personal information when you use our website and Services.

1. Information We Collect

We may collect personal information that you provide directly to us, such as your name, email address, phone number, and company details when you fill out contact forms or register for an account. We may also collect technical information automatically, including your IP address, browser type, and usage data.

2. How We Use Your Information

We use the information we collect to provide and improve our Services, communicate with you, process transactions, comply with legal obligations, and protect our rights and interests.

3. Data Sharing

We do not sell your personal information. We may share your information with trusted third-party service providers who assist us in operating our business, provided they agree to keep your information confidential and secure.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our infrastructure is certified to PCI-DSS Level 1 standards.

5. Your Rights

Depending on your jurisdiction, you may have the right to access, correct, delete, or restrict the processing of your personal information. You may also have the right to object to processing and to data portability. Contact us to exercise these rights.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements.

7. International Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your information during such transfers.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the updated policy on this page.

Last updated: 10 June 2026

This Cookie Policy explains how Coild Ltd uses cookies and similar technologies when you visit our website.

What Are Cookies?

Cookies are small text files that are placed on your device when you visit a website. They are widely used to make websites work more efficiently and to provide information to website owners.

Types of Cookies We Use

Managing Cookies

You can control and manage cookies in various ways. Most browsers allow you to refuse or accept cookies, delete existing cookies, or set preferences for certain websites. Please note that disabling cookies may affect the functionality of this website.

Third-Party Cookies

Some cookies may be placed by third-party services that appear on our pages. We do not control these cookies and recommend you review the privacy policies of the relevant third parties for more information.

Contact Us

If you have any questions about our use of cookies, please contact us at privacy@coild.co.