Wall Money Store Terms & Conditions (Terms of Service)

1. Introduction

These Terms & Conditions (hereinafter the “Terms”) govern your access to and use of the Wall Money – Pre-Sale Platform (hereinafter the “Platform”), including in particular visiting or browsing the Platform, purchasing vouchers and redeeming vouchers for financial services (such as a bank account with Wall Money) once such services become available (hereinafter the “Services”). The Platform and the Services are intended solely for natural persons acting on their own behalf; we do not currently offer the Platform or the Services to legal entities or businesses.

By accessing or using the Platform or purchasing a voucher, you (hereinafter the “User”, “you” or “your”) acknowledge that you have read, understood and agree to be legally bound by these Terms and by our Privacy Policy.

If you do not agree to these Terms, you must not access or use the Platform or purchase vouchers.

2. Definitions

For the purposes of these Terms, the following definitions apply:

“Wall Money”, “we”, “us” or “our” means Wall it s. r. o., a company incorporated under the laws of the Slovak Republic, with its registered office at Obchodná 559/37, 811 06 Bratislava – Staré Mesto, Slovak Republic, registered in the Business Register of the Slovak Republic under identification number (IČO) 47 565 730, and, where the context so requires, any affiliated entities within the same group.
“Terms” means these Wall Money – Pre-Sale Platform Terms & Conditions.
“Platform” means the Wall Money – Pre-Sale Platform, being the pre-sale e-commerce website and any related interfaces (including web, mobile and APIs) operated by Wall Money through which Vouchers are offered and sold.
“Voucher” or “Vouchers” means pre-sale instruments sold via the Platform that may be redeemable, subject to these Terms, applicable law and successful completion of any additional requirements specified at the time of redemption, for certain financial services (such as a bank account or related services) that may be offered by Wall Money in the future. A Voucher is not itself a bank account, deposit, payment instrument, electronic money, security or any other regulated financial product.
“Services” means the services made available via the Platform in connection with the pre-sale of Vouchers, including the ability to purchase and manage Vouchers, maintain a user account (where applicable), receive related communications and access customer support, as well as any future voucher redemption process provided via the Platform. The actual financial or banking services for which a Voucher may be redeemed, if and when offered, will be subject to separate terms and conditions.
“External Payment Method” means any payment method accepted by Wall Money for Voucher purchases (such as credit or debit card or other payment methods supported by third-party payment service providers, currently including Stripe and Coinbase Commerce).
“User”, “you” or “your” means any natural or legal person accessing or using the Platform or purchasing or redeeming Vouchers.
“CorePass” means the third-party identity and authentication solution currently provided at https://corepass.net/, which Users may use to register or log in to the Platform.
“CoreID” means the unique identifier assigned to you by CorePass and associated with your CorePass account.
“654 Club” means the specific pre-sale option or programme described on the Platform, under which Users can purchase one or more Vouchers on discounted terms and subject to additional conditions set out in these Terms and on the Platform (including the CoreID matching requirement).
“Early Adopter NFT Discount” means any promotional discount or preferential pricing offered in connection with an “early adopter” non-fungible token (NFT) or similar digital benefit, as described on the Platform, where eligibility for the discount is linked to a specific CoreID.

3. Changes to These Terms

We may update or modify these Terms from time to time, for example to reflect changes in our processing activities or applicable laws. The updated Terms will be posted here. Your continued use of the Platform after the effective date of the updated Terms will be deemed to constitute your acceptance of it. If you do not agree with the updated Terms, you should stop using the Platform and our Services.

4. Eligibility and Account Registration

4.1. Eligibility

To access and use the Platform and to purchase Vouchers, you must:
– be at least 18 years old;
– have the legal capacity to enter into a binding contract.

You undertake to ensure that the above eligibility conditions are met at all times while you use the Platform and hold or redeem Vouchers and to inform us without undue delay if your situation changes in a way that would affect your eligibility. We may request information or evidence from you to verify compliance with these eligibility criteria and may refuse, suspend or terminate access to the Platform or to the Services if we reasonably believe that you do not meet them.

4.2. Account Registration

We may require you to create a user account in order to purchase or redeem Vouchers, or we may allow you to make a purchase as a guest without creating an account. Where account creation is available, you may be able to register or log in either (i) directly with us, by providing the requested information (such as your name, email address and a password), or you may (ii) use a third-party identity or authentication service, specifically CorePass (https://corepass.net/), in which case certain information (such as your email address and an identifier) will be shared with us by that third party for the purpose of creating or linking your account.

When registering and using your account, you agree to:
– provide accurate, current and complete information;
– update your information as necessary to keep it accurate, current and complete;
– maintain the confidentiality and security of your login credentials and not disclose them to any unauthorized person;
– be fully responsible for all activities that occur under your account or using your login credentials.

Unless and until you notify us that the security of your account has been compromised, we may treat any actions taken through your account or using your login credentials as having been authorised by you. You must notify us immediately at [email protected] if you suspect any unauthorized access, use or other security breach relating to your account.

We reserve the right, at our sole discretion and without liability to you, to refuse registration, to limit, suspend or terminate accounts, or to deny access to the Platform or to the Services, including for compliance, security or risk-management reasons.

5. Nature of Vouchers

5.1. Vouchers as Pre-Sale Instruments

A Voucher is a pre-sale instrument that gives you a discounted possibility to apply for, or register for, a Wall Money account or a substantially similar financial service when such service becomes available, subject to these Terms and to the additional terms, eligibility criteria and onboarding requirements that will apply at that time. The voucher can not be constituted as a right or entitlement to a service or product.

In practical terms, a Voucher functions as a pre-paid, discounted application: it allows you, when the service is launched, to submit an application for the relevant Wall Money financial service (for example, a bank account) on preferential or discounted terms, compared to users who did not participate in the pre-sale. The exact benefits and discount structure linked to the Voucher will be described in the applicable pre-sale offer or on the Platform at the time of purchase.

A Voucher is not:

a bank account or deposit;
electronic money or a payment instrument;
a security, investment product or guarantee of return;
a representation of ownership or equity in Wall Money.

5.2. No Guarantee of Account Approval or Service

The purchase or holding of a Voucher does not guarantee that:

you will be approved for, or ultimately receive, a Wall Money account or any other financial service;
you will meet all eligibility, know-your-customer (KYC) or other regulatory requirements at the time of your application or at any later point;
the intended financial service will be available in your jurisdiction or to you personally when you attempt to redeem the Voucher;
all regulatory approvals, licences or authorisations necessary for the provision of the intended financial service will be granted, maintained or renewed;
the features, fees, conditions or availability of the financial service at the time of your application will be identical to those communicated at the time of the pre-sale.

Redemption and use of a Voucher are subject to the successful completion of all checks and procedures that we consider necessary or appropriate (including legal, regulatory and internal risk checks) and to the availability of the relevant financial service at the time you use the Voucher to submit or support an application. We may refuse, delay or impose conditions on your application where we reasonably consider this necessary or appropriate under applicable law, regulatory guidance or our internal policies.

5.3. Refunds Where the Service Cannot Be Completed

If, despite you complying with these Terms and all applicable laws and not breaching any rules or obligations towards us, we are unable to complete the provision of the intended financial service connected to your Voucher for reasons outside your control (for example, where we are unable to offer the relevant service at all, or where regulatory or operational reasons prevent us from onboarding you despite you meeting our published eligibility criteria), we will provide you with a refund of the purchase price paid for the Voucher, where reasonably possible, using the same payment method that you used for the original purchase (or another reasonable method if that is not possible).

No refund will be due where the service cannot be completed because you:

fail to provide information or documentation we reasonably request;
do not meet the applicable eligibility, KYC or regulatory requirements;
breach these Terms or any applicable laws or regulations; or
otherwise cause or contribute to the failure of the application or onboarding process.

Except for refunds made in accordance with this clause 5.3 or where required by mandatory law, Vouchers are non-refundable and cannot be redeemed for cash.

6. Voucher Purchase

6.1 Orders and Payments

By placing an order for a Voucher via the Platform and submitting payment through an External Payment Method, you authorise us and any third-party payment processors we use to charge you the amount displayed at checkout, including any applicable taxes or fees, in the currency indicated on the Platform.

Orders are considered submitted when you complete the checkout process, but an order will only be regarded as accepted, and a contract for the purchase of a Voucher concluded, when we send you an order confirmation (for example via email or via the Platform). If we do not accept your order, any amounts already paid will be refunded to you in accordance with clause 6.2.

6.2 Acceptance, Rejection and Cancellation

We may, at our discretion, accept or reject any order. We may refuse or cancel an order at any time, including after confirmation, if:

payment is not successfully processed or is later reversed, refused or charged back;
we suspect fraud, misuse or unauthorised use;
you fail to meet eligibility or compliance requirements set out in these Terms;
providing Vouchers to you would violate applicable law, regulatory guidance or our internal policies;
the order was affected by an obvious error on the Platform (for example, an incorrect price or description that a reasonable person would have recognised as a mistake).

If we cancel an order after you have been charged, and provided that the cancellation is not due to your breach of these Terms, fraud, misuse or an unlawful act on your part, we will refund the amount paid for the cancelled order in the same currency and, where reasonably possible, using the same payment method that you used for the original transaction (or another reasonable method if that is not possible). We are not responsible for any fees or charges that may be imposed on you by your bank, card issuer or payment service provider in connection with any payment or refund.

6.3 Non-Transferability

Unless we explicitly permit transfer in writing or specify otherwise on the Platform:

Vouchers are personal to you and non-transferable;
you may not sell, assign, pledge, sublicense or otherwise transfer your Vouchers to any third party, whether for consideration or free of charge;
we may treat any person who accesses a Voucher through a user account with valid login credentials as the legitimate holder of that Voucher.

We are not obliged to recognise or support any transfer of a Voucher made in breach of this clause 6.3 and we shall not be liable for any loss, damage or dispute arising from any attempted unauthorised transfer of a Voucher.

7. Voucher Redemption

7.1. Redemption Conditions

Once the relevant financial services are launched and available, we will specify the voucher redemption process and the detailed conditions for redemption via the Platform or in separate documentation.

Redemption of a Voucher may include, in particular:

completing identity verification and anti-money laundering / know-your-customer (AML/KYC) checks;
providing proof of address, proof and source of funds and other documentation we reasonably require;
accepting additional terms and conditions applicable to the relevant financial service (for example, specific bank account terms and conditions, fee schedules and policies);
meeting any eligibility, risk and onboarding criteria that we apply to customers for the relevant financial service at the time of your application.

A Voucher entitles you to have your application for the relevant financial service considered in accordance with our then-current onboarding processes and criteria but does not guarantee that your application will be approved or that a financial service will actually be provided (see clause 5).

7.2. Refusal, Delay or Restriction of Redemption

We may refuse, delay, restrict or impose conditions on the redemption of a Voucher and/or on the opening of any related account or financial service if:

you fail to provide information or documentation that we reasonably request;
you do not meet our eligibility, KYC, regulatory or internal risk criteria;
we reasonably believe that redemption or onboarding would violate applicable law, regulatory guidance or our internal compliance policies;
any competent authority or regulator requests or requires us to do so;
the Voucher has expired, has been cancelled or is otherwise invalid under these Terms (including, where applicable, because of a CoreID mismatch or breach of the conditions of a promotion or discount as described in these Terms or on the Platform);
we reasonably suspect fraud, misuse, impersonation or any other abusive or unlawful behaviour in relation to the Voucher or the associated account.

In such cases, we are not obliged to provide the intended financial service or to offer any alternative, and no refund will be due in respect of the affected Voucher except as expressly provided in clause 5.3 or where required by mandatory law.

7.3. Redemption Windows and Expiry

If any Voucher has an expiry date, specific redemption window or other time limitation, this will be clearly indicated at the time of purchase or in the relevant offer terms on the Platform. It is your responsibility to redeem the Voucher within the specified timeframe and to follow the redemption process we make available.

Unless otherwise stated in the applicable offer or required by mandatory law, any Voucher that is not redeemed within the applicable redemption window, or that expires, will lapse automatically and become permanently invalid, without any right to refund, replacement or compensation. This is without prejudice to any refund that may be payable under clause 5.3 where we are unable to complete the provision of the intended financial service for reasons that are not attributable to you.

7.4. CoreID Matching Requirement for Early Adopter NFT Discount

Where you purchase a Voucher or Vouchers using an Early Adopter NFT discount or any other promotion that is explicitly linked to your CorePass identity, the following additional conditions apply:

the CoreID used to qualify for and apply the relevant discount at the time of purchase must be the same CoreID that is used to create or log in to the Wall Money account that seeks to redeem the corresponding Voucher or Vouchers;
if you buy multiple Vouchers under the same Early Adopter NFT discount, all of those Vouchers will be linked to the CoreID used to obtain that discount at the time of purchase (the “Assigned CoreID”);
we may require you to prove, to our reasonable satisfaction, that the CoreID presented at the time of Voucher redemption is the Assigned CoreID that was used when the discount was applied at purchase.

If, at the time of Voucher redemption, the CoreID used to create or access the relevant Wall Money account does not match the Assigned CoreID, we may treat the affected Voucher or Vouchers as permanently invalid and “burned”. In such a case, the Voucher or Vouchers will not be redeemable and, except where required by mandatory law, no refund or other compensation will be provided.

No refund will be due in respect of any Voucher that is rendered invalid as a result of a CoreID mismatch under this clause or as a result of your breach of these Terms or of the conditions of any applicable discount, promotion or pre-sale offer.

8. Fees, Payment Terms and Taxes

All fees and charges (including the Voucher price, any potential redemption or account-setup fees and any taxes that we are legally required to collect from you) will be presented on the Platform at the time of purchase or, where relevant, at the time of redemption. The price and fees applicable to you are those displayed at checkout immediately before you confirm your order.

Payment is due in full when you place your order, unless explicitly stated otherwise on the Platform or in the relevant offer. Your bank, card issuer or payment service provider may charge you additional fees (such as currency conversion or transaction fees), which are outside of our control.

We will collect and remit any taxes (for example, value added tax) that we are legally obliged to collect in connection with your purchase. You are solely responsible for determining, reporting and paying any other taxes, duties or charges that may apply to you in connection with your purchase, holding or redemption of Vouchers (for example, income or other personal taxes), and we do not provide tax advice.

9. Prohibited Activities and Acceptable Use

You agree not to use the Platform, Vouchers or Services to:

break any applicable law, regulation or court order;
engage in or facilitate fraud, money laundering, terrorist financing, sanctions evasion or any other illegal or abusive activity;
provide false, misleading or incomplete information;
impersonate any person or entity or misrepresent your affiliation with any person or entity;
interfere with or disrupt the operation or security of the Platform (including by attempting unauthorised access, introducing malware, circumventing or attempting to circumvent technical protections, rate limits or access controls);
use any automated means (such as bots, scrapers or crawlers) to access the Platform in a manner that is not expressly permitted by us;
infringe any intellectual property, confidentiality or privacy rights of Wall Money or any third party;
use the Platform, Vouchers or Services in any manner that is inconsistent with these Terms or with any usage rules or policies that we publish from time to time on the Platform.

We reserve the right to investigate any suspected breach of this clause and to take any action we consider appropriate, which may include suspending or terminating your account, cancelling or rendering Vouchers invalid, refusing or restricting redemption and/or reporting the matter to relevant authorities.

10. Third-Party Services

The Platform may integrate with or rely on third-party services, such as:

payment processors and payment service providers (currently including Stripe and Coinbase Commerce);
identity and authentication providers (such as CorePass);
hosting, infrastructure and IT-security services;
analytics, communication and other operational tools.

Your use of such third-party services may be subject to separate terms and privacy policies issued by the relevant third party. Wall Money does not control and is not responsible for third-party services, and shall not be liable for any loss or damage arising from your use of them or from any acts or omissions of the relevant third parties.

11. Intellectual Property

All content and materials made available on the Platform, including:
– text, graphics, logos, designs and interfaces;
– software, code and technical infrastructure;
– trademarks, trade names and logos of Wall Money,

are owned by or licensed to Wall Money and are protected by intellectual property and other applicable laws.

You may not, without our prior written consent (except to the extent such restriction is not permitted under mandatory law):
– copy, reproduce, modify, adapt, translate, distribute, publish, create derivative works from or otherwise exploit any part of the Platform or its content;
– use any Wall Money trademark, logo or branding in any manner likely to cause confusion, to suggest sponsorship or endorsement, or otherwise in a way that infringes our rights.

We grant you a limited, revocable, non-exclusive, non-transferable licence to access and use the Platform and the Services solely for purposes permitted by these Terms.

If you choose to provide us with feedback, suggestions or other input regarding the Platform, Vouchers or Services, you agree that we may use such feedback freely for any lawful purpose, without obligation to you, and that you waive any claim to compensation in respect of such use.

12. Suspension and Termination

We may, at any time and without liability to you, suspend, restrict or terminate:
– your access to the Platform;
– your user account;
– your ability to purchase or redeem Vouchers;

If we reasonably believe that:
– you have violated these Terms or any other applicable policy or rule that we publish on the Platform;
– you are engaged in unlawful, abusive or suspicious activity (including suspected fraud, money laundering, terrorist financing or sanctions evasion);
– a regulatory or legal requirement, order or request from a competent authority compels or recommends us to do so;
– continuing to provide the Platform, Vouchers or Services to you is not commercially or operationally viable or presents an unacceptable risk to us; or
– any other circumstance referred to in these Terms gives us a right to refuse, suspend or terminate access.

Where reasonably possible and lawful, we will provide notice of suspension or termination, but we are not obliged to do so in situations where advance notice would be inappropriate (for example in case of suspected fraud or abuse).

Upon termination:
– your right to access and use the Platform and the Services will immediately cease;
– we may cancel unredeemed Vouchers or restrict their use, subject to applicable law and to any refund or redemption rules set out in these Terms (including, in particular, clauses relating to voucher refunds, expiry, CoreID mismatch and invalidity);
– we may retain records and personal data to the extent necessary to comply with legal, regulatory, tax or accounting obligations or to establish, exercise or defend legal claims, in accordance with our Privacy Policy.

Except where expressly provided in these Terms or required by mandatory law, we shall not be liable to you for any loss, damage or inconvenience arising from any suspension, restriction or termination in accordance with this clause 12.

13. Risk Acknowledgement

You expressly acknowledge and agree that:

Vouchers are sold in the context of a pre-sale and that the Services for which they may be redeemable may still be in development;
regulatory approvals, licensing, market conditions, technical constraints or internal business decisions may affect whether, when and how any Services are launched and in which form;
there is a risk that some or all Services may be delayed, modified, restricted or not launched at all, or may not be available in certain jurisdictions or to certain categories of users;
the value or usefulness of a Voucher to you may be lower than you expected and may diminish over time, including if the relevant Services change, are delayed or are not made available to you;
there may be no secondary market or resale possibility for Vouchers, and you should not assume that you will be able to sell or transfer a Voucher, even informally.

Wall Money does not provide any assurance that:

you will be eligible to redeem your Voucher or to open a Wall Money account or other financial service;
you will obtain the specific financial service initially described at the time of the pre-sale, or that it will have particular features, fees, conditions or availability;
you will obtain any financial return, profit, yield or benefit from purchasing, holding or redeeming a Voucher.

You purchase and hold Vouchers based on your own assessment and at your own risk, including as regards any legal, regulatory, tax or other consequences that may apply to you. Nothing in these Terms constitutes investment, legal or tax advice.

14. Disclaimers

To the maximum extent permitted by law, the Platform, Vouchers and Services are provided on an “as is” and “as available” basis.

Wall Money makes no representations or warranties of any kind, express or implied, including but not limited to any implied warranties or conditions of:

merchantability;
fitness for a particular purpose;
non-infringement;
accuracy, reliability, quality or completeness of information;
availability, security, uninterrupted or error-free operation of the Platform or Services.

Without limiting the generality of the foregoing, we do not warrant that:

the Platform or Services will function without disruptions, delays, imperfections or technical issues;
any defects, errors or vulnerabilities will be corrected within any particular timeframe or at all;
any content, information or materials obtained through the Platform will be free from errors;

The Platform may depend on or interoperate with third-party networks, systems, software, services and infrastructure that are outside of our control (including internet connectivity, hosting providers, payment processors and identity providers).

We are not responsible for the availability, performance or compliance of such third-party elements and do not warrant that they will function without interruption or error.

Nothing in this clause 14 excludes or limits any warranties or rights that you may have which cannot be excluded or limited under mandatory applicable law (for example certain statutory consumer rights).

15. Limitation of Liability

To the fullest extent permitted by applicable law, Wall Money and its officers, directors, employees, affiliates, agents and service providers shall not be liable for any:

indirect, incidental, special, consequential or punitive damages; or
loss of profits, revenue, goodwill, data or business opportunities,

arising out of or in connection with:

your use of, or inability to use, the Platform or the Services;
your purchase, holding or redemption (or inability to redeem) any Voucher;
any delay, suspension, modification or discontinuation of the Platform, Vouchers or Services;
any security incident, system failure, data loss or third-party service interruption (including failures of payment service providers, hosting providers or identity providers),

whether based on contract, tort (including negligence), strict liability or any other legal theory, even if we have been advised of the possibility of such damages.

To the extent we are found liable to you in connection with these Terms, the Platform, any Voucher or any Services, our total aggregate liability for all claims of any kind arising out of or relating to the same event or series of related events shall be limited, to the maximum extent permitted by law, to the total amount you paid to purchase the Voucher or Vouchers directly giving rise to the claim.

Nothing in these Terms shall exclude or limit any liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by our negligence, for our wilful misconduct or gross negligence, or for your statutory rights as a consumer that cannot be contractually waived.

15.1. Force Majeure

Wall Money shall not be liable for any delay or failure to perform its obligations under these Terms to the extent that such delay or failure is caused by circumstances beyond its reasonable control (“Force Majeure Event”), including but not limited to acts of God, natural disasters, war, acts of terrorism, civil unrest, pandemics or epidemics, strikes or other labour disputes, power or internet outages, cyberattacks, the acts or omissions of third-party service providers (including payment service providers, hosting providers and identity providers), regulatory delays or interventions, changes in law, or orders of courts or public authorities.

In the event of a Force Majeure Event, our obligations affected by the event shall be suspended for the duration of the Force Majeure Event and for a reasonable period thereafter to allow us to resume performance. We will use commercially reasonable efforts to mitigate the effects of the Force Majeure Event and to resume performance as soon as reasonably practicable.

If a Force Majeure Event continues for a prolonged period such that we reasonably consider that we are unable to perform the affected obligations on a lasting basis, we may terminate the affected Services and/or these Terms (in whole or in part) on notice to you. In such a case, our liability shall be limited in accordance with clause 15 (Limitation of Liability) and any express refund provisions in these Terms (including clause 5.3) and your non-waivable rights under mandatory applicable law.

16. Indemnification

To the maximum extent permitted by law, you agree to indemnify, defend and hold harmless Wall Money, its officers, directors, employees, affiliates, agents and service providers from and against any claims, demands, actions, proceedings, losses, liabilities, damages, costs or expenses (including reasonable legal fees) arising out of or related to:

your breach or alleged breach of these Terms;
your use or misuse of the Platform, Vouchers or Services;
your violation of any applicable law or regulation;
your violation of any rights of a third party (including privacy, intellectual property or contractual rights).

17. Governing Law and Dispute Resolution

These Terms and any dispute, controversy or claim arising out of or in connection with them, or with the Platform, Vouchers or Services, including any question regarding their existence, validity or termination, shall be governed by and construed in accordance with the laws of the Slovak Republic, without regard to its conflict-of-law principles.

You and Wall Money agree that, subject to mandatory rules of consumer protection law:

the courts of the Slovak Republic, with local jurisdiction in Bratislava, shall have jurisdiction over any disputes arising out of or in connection with these Terms, the Platform, Vouchers or Services, unless we agree in writing on another forum or method of dispute resolution; and
before commencing formal legal proceedings, both parties will make reasonable efforts to resolve the dispute amicably, for example by contacting the other party in writing and allowing a reasonable time for response.

If you are a consumer resident in the European Union, nothing in these Terms affects any rights you may have under mandatory consumer protection law, including your right to bring proceedings in the courts of your country of residence where such rights cannot be validly waived by agreement.

18. Changes to These Terms and Conditions

These Terms and Conditions may evolve. We reserve the right to vary these Terms periodically. Updates of the Terms will be posted here. Engaging with our Services indicates your acceptance of these terms. If you disagree with any part of these Terms, please, refrain from using our Services.

19. Contact and Privacy Queries

If you have questions, concerns or requests regarding these Terms, please contact us at [email protected] or [email protected].