1. Introduction

SterlingtoUSDT Ltd. (“SterlingtoUSDT,” “we,” “us,” or “our”) operates an online platform and supporting services that enable businesses in the fast-moving consumer goods (“FMCG”) industry and other high-risk sectors to send and receive cross-border payments, perform foreign-exchange conversions, and integrate payment acceptance solutions. These Terms of Service (the “Terms”) govern your access to and use of our website at https://www.sterlingtousdt.com, our mobile applications, our APIs, and any related services (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree to the Terms, you may not access or use our Services.

2. Eligibility and Account Registration

1. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter into a binding contract to use our Services. If you are registering on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms.

2. Know Your Customer (KYC) and identity verification

To comply with anti-money-laundering (AML) and KYC regulations, we require accurate and complete information when you create an account. You must promptly provide any information or documents we request and consent to our performing identity checks and background screening through third-party service providers. You must keep all information associated with your account current and complete.

3. Account security

You are responsible for maintaining the confidentiality of your login credentials and for any actions taken through your account. Immediately notify us if you become aware of any unauthorised use of your account.

3. Description of Services

SterlingtoUSDT provides a suite of payment and FX solutions designed for businesses operating across borders. Our Services may include:

• Cross-border payments – Electronic money transfers across more than 100 countries.
• Foreign exchange (FX) – Currency conversion services at competitive rates (subject to fluctuations).
• Payment acceptance – Gateways, card machines, crypto acceptance, and related infrastructure.
• Ancillary services – Tools for fraud detection, compliance support, reporting, and reconciliation.

We are not a bank or deposit-taking institution. We do not hold customer funds as deposits; rather, we facilitate movement of funds through banking partners and regulated financial institutions.

4. Permitted and Prohibited Use

1. Permitted use

You may use our Services solely for legitimate business purposes in compliance with these Terms and applicable laws.

2. Prohibited activities

You may not use the Services for any illegal, fraudulent, or unauthorised purpose, including money laundering, terrorism financing, sanctions evasion, unlicensed securities transactions, or any activity violating AML/KYC rules.

3. Compliance with laws

You must comply with all applicable laws, including consumer protection, sanctions, export control, and tax laws.

5. Fees and FX Rates

SterlingtoUSDT may charge fees for certain Services, including transaction fees, FX mark-ups, and account-maintenance fees. We disclose applicable fees before you confirm a transaction. FX rates may differ from market rates and are subject to change without notice.

6. Compliance and Regulatory Obligations

1. Legal and regulatory frameworks

Key laws include GDPR, PSD2, MiCA (Europe), Gramm-Leach-Bliley Act, Bank Secrecy Act, CFPB rules (US), and regional AML/KYC regulations in Asia.

2. Customer due diligence

We may verify identities, monitor transactions, and report certain activities to regulators.

3. Transaction monitoring and reporting

We reserve the right to delay or refuse suspicious or high-risk transactions.

4. Data protection

We handle personal data in accordance with our Privacy Policy and data-protection laws.

7. Intellectual Property

All IP rights in the Services (software, trademarks, content) are owned by SterlingtoUSDT or its licensors. You are granted a limited licence for internal business purposes only.

8. Third-Party Services and Links

Our Services may integrate with third-party providers such as banks, exchanges, and verification services. SterlingtoUSDT is not responsible for their actions or policies.

9. Disclaimers and Limitation of Liability

1. No warranty

The Services are provided “as is” without warranties of any kind.

2. Limit of liability

Our total liability will not exceed the total fees you have paid us in the six months before a claim.

3. No liability for third parties

We are not responsible for losses caused by banking partners, processors, or FX providers.

10. Indemnification

You agree to indemnify and hold harmless SterlingtoUSDT and its affiliates from claims, liabilities, and damages arising from your use of the Services.

11. Termination

We may suspend or terminate your access at any time with notice. Immediate termination may occur if illegal or suspicious activity is detected.

12. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales. The English courts have exclusive jurisdiction, unless mandatory consumer laws apply in your country.

13. Changes to the Terms

We may revise these Terms. The latest version will be posted on our website, and continued use means acceptance of the changes.

14. Contact Information

SterlingtoUSDT Ltd. Address: 20 Wenlock Road, London, UK, N1 7GU Email: support@sterlingtousdt.com