Terms and Conditions

Company: Summa GmbH
Registered Address: c/o Sielva Management SA, Gubelstrasse 11, 6300 Zug, Switzerland
Commercial Register No.: CH-170.4.021.771-6
Platform/Domain: onegog.io (the “Site” / the “Platform”)
Document Owner: Statutory body of Summa GmbH
Effective Date: 30 September 2025

These Terms govern access to and use of the Site and all services offered by Summa GmbH (the “Company”, “we”, “us”). By creating an account and/or using the Services, you (“User”, “you”) accept these Terms, the Privacy Policy, the AML/CFT & KYC Policy, the Cookies Policy, the Fee Schedule, and any promotional terms posted on the Site from time to time.

If you do not agree, do not register or use the Services. If you have doubts about your rights and obligations, seek independent legal advice.

1) Disclaimers
1.1 Nature of Virtual Assets.
Virtual assets/cryptocurrencies are digital representations of value, not issued by any central bank or public authority, and may be used as a medium of exchange, store of value, or investment. They operate on decentralized consensus networks and may be highly volatile.

1.2 Regulatory Status in Switzerland.
The Company provides virtual-asset services (e.g., exchange between fiat and virtual assets, and wallet/key safeguarding where applicable). We are not a bank, not a securities firm, and not an electronic money issuer. Client assets are not covered by deposit insurance. Our activities are subject to Swiss AML/CFT obligations and applicable supervision/oversight mechanisms as required by Swiss law.

1.3 No Investment Advice.
Information on the Site is for general information only and does not constitute investment, legal, tax, or accounting advice. You are solely responsible for your decisions and for seeking professional advice where needed.

1.4 Service Availability & Risks.
Services may be delayed, suspended, or unavailable due to maintenance, network congestion, blockchain conditions (including forks), market volatility, or events beyond our control. Transactions on public blockchains are generally irreversible.

2) Definitions
Capitalized terms have the meanings below (singular includes plural):

Account / Profile: A secure area on the Site assigned to a User upon registration and verification.
AML/CFT Policy: Our Anti‑Money Laundering/Counter‑Terrorist Financing & KYC Policy applicable to the Services.
AML Laws: Swiss Anti‑Money Laundering Act (AMLA), Anti‑Money Laundering Ordinance (AMLO), and related FINMA circulars/guidance, as amended.
Authentication / Authorization: Processes used to verify identity and/or confirm orders (e.g., passwords, PIN, one‑time codes, device confirmations).
Business Day: Any day banks in Zug, Switzerland are open for business, excluding weekends and official holidays.
Customer Due Diligence (CDD): Initial and ongoing measures to identify, verify, and monitor Users pursuant to AML Laws and our AML/CFT Policy.
Device: Registered device(s) used to access the Account.
Exchange: Conversion of fiat money (“Money”) into virtual assets or vice versa, or one virtual asset into another.
Exchange Rate: Rate applied to execute an Exchange, as shown on the Site at order time.
Fees: The applicable fee schedule (limits, fees, processing times) published on the Site.
Fork: A divergence of a blockchain into distinct chains due to consensus changes or protocol updates (hard or soft).
Money: Fiat currency supported by the Site from time to time.
Order: A request placed by a User via the Account to execute a Transaction/Exchange or other Service.
Sanctions: Binding restrictive measures under Swiss, UN, or EU law (and other applicable regimes where relevant).
Services: The online services provided by the Company via the Site (Section 7).
Transaction: Any transaction executed via the Site under these Terms.
User: Any natural or legal person who registers an Account and uses the Services.

3) Agreement & Acceptance
3.1 Formation of Agreement
By completing registration, you enter into a legally binding agreement with the Company incorporating these Terms and the Incorporated Documents (Privacy Policy; AML/CFT & KYC Policy; Cookies Policy; Fee Schedule; promotional terms).

3.2 Amendments
We may amend these Terms for legal, regulatory, security, operational, or commercial reasons. We will post the updated Terms with an effective date on the Site and, where required by law, notify you via the Account or email. Continued use after the effective date constitutes acceptance. If you object, you must stop using the Services and close your Account before the effective date (see Section 17).

3.3 Language
The language of the agreement is English unless another supported language is expressly stated. In case of inconsistency, the English version controls.

4) Subject Matter
We provide access to the Site through which Users may place Orders for Services described in Section 7 and as further detailed in product documentation, help pages, and the Account interface. You agree to pay Fees and comply with these Terms and all Incorporated Documents.

5) Registration, Verification & Account Security
5.1 Single Account.
You may hold only one Account unless we expressly authorize otherwise. Accounts are non‑transferable.

5.2 Registration Methods.
You may register by email and/or mobile number and must set strong authentication credentials (password, 2FA, PIN). You must keep credentials confidential and not share them with third parties.

5.3 Verification (CDD/KYC).
You must provide accurate, current, and complete information and documents for identification and verification, and keep them updated. We may use third‑party providers to assist with CDD/KYC and fraud prevention. Failure to cooperate may result in refusal, suspension, or termination (Sections 8 and 17).

5.4 Security Duties.
You are responsible for securing your devices and Account. Notify Support immediately if you suspect unauthorized access or credential compromise. Actions performed via your authenticated session are deemed yours.

5.5 Inactive Accounts.
If you do not log in for 12 consecutive months, we may categorize the Account as inactive and, after three warnings (30/10/1 days), close it, subject to applicable law and any unclaimed funds/virtual assets handling.

6) AML/CFT, Sanctions & Compliance
6.1 Cooperation
You must comply with our AML/CFT & KYC Policy and cooperate fully with identification, verification, and ongoing monitoring.

6.2 Sanctions Screening
We conduct sanctions screening and risk assessments. We will not onboard or will restrict/terminate Services where prohibited by AML Laws or sanctions or where risk is unacceptable.

6.3 Information Requests
We may request information about source of funds/wealth, transaction purpose, counterparties, beneficial owners, and controlling persons. You must provide truthful, complete responses promptly.

6.4 Reporting
We may delay, block, or reject Orders/Transactions and/or report suspicious activity to competent authorities consistent with applicable law. We may be legally prohibited from informing you of such reports.

7) Services
7.1 Individual Services
Individual Services may include: receiving/sending supported virtual assets; topping up fiat balance via supported payment methods; exchanging fiat↔virtual assets or virtual↔virtual; withdrawing to supported bank/virtual‑asset destinations; affiliate programs; and Support messaging.

7.2 Merchant Services
Merchant Services (if enabled) may include: invoicing; API‑based acquiring/acceptance; automated billing; and automated settlements to bank or virtual‑asset addresses.

7.3 Changes
We may add, modify, or discontinue Services or supported assets/fiat methods at any time, with or without notice, to comply with law or manage risk.

8) Orders, Execution & Restrictions
8.1 Placing Orders
Orders must be placed via your Account using the forms provided and confirmed via Authorization procedures (e.g., OTP, PIN, device confirmation). We do not accept Orders from third parties.

8.2 Automatic/Conditional Orders
Where offered, you may set time‑based or condition‑based Orders (e.g., price triggers). Execution is not guaranteed and depends on availability, liquidity, and system conditions.

8.3 Refusal/Suspension
We may refuse, suspend, or cancel an Order at our discretion for security, legal/compliance, risk, technical, or operational reasons, including suspected unauthorized or suspicious activity.

8.4 Set‑off
We may set off Fees or amounts owed from fiat balances held for settlement or, where lawful, from virtual assets held in connection with Services.

9) Fiat Money (“Money”)
9.1 Funding
You may fund fiat via supported methods (e.g., card, bank transfer) as shown on the Site. You are responsible for bank/payment provider charges. Availability of fiat funding may vary by jurisdiction and risk profile.

9.2 Withdrawals
You may request withdrawal of unspent fiat or sale proceeds to a verified same‑name bank account. For security, we may place a hold (up to 30 calendar days) after sensitive Account changes (e.g., password, 2FA, bank details).

9.3 Third‑Party Payment Services
The Company is not a payment services institution. Fiat transfers are executed by authorized third parties (e.g., banks, licensed PSPs). We are not liable for their services.

9.4 Title & Use
Fiat sent for the purpose of an Exchange may be commingled and used to settle Transactions and Fees in accordance with these Terms and applicable law.

10) Virtual Assets & Wallets
10.1 Support & Access
Your Account shows balances and history for supported assets. You may transfer, receive, and exchange supported assets, subject to limits and Fees.

10.2 Forks/Airdrops
Unless we expressly state otherwise, we do not support distribution of assets arising from forks, airdrops, or similar events and owe no compensation for unsupported assets.

10.3 Interest
No interest accrues on virtual assets unless explicitly stated.

10.4 Refusals
We may refuse receipt or processing of a virtual‑asset transfer in justified cases (e.g., suspicious circumstances, unsupported format, dust/spam attacks).

11) Exchange & Pricing
11.1 Role
Unless otherwise stated, we operate the Platform that facilitates Exchanges between Users and/or with liquidity providers; we may also fill Orders as principal. We are not a financial adviser.

11.2 Order Types
Market buy/sell and other types (if offered). Orders may be fully or partially filled and may be matched automatically based on price/time priority.

11.3 Exchange Rate
The Exchange Rate is determined by reference prices, on‑platform supply/demand, and market conditions. The applicable rate is displayed at order time in your Account. Slippage may occur in volatile conditions.

11.4 Settlement & Confirmations
Upon execution, the Platform settles fiat and virtual assets accordingly and posts a confirmation to your Account with key details. Order history is available in your Account.

11.5 No Guarantee
We do not guarantee execution, best price, or that Orders will be filled within a specific time.

12) Intellectual Property
12.1 Ownership
The Site, Services, software, content, trademarks, logos, and other IP are owned by or licensed to the Company and protected by law. We grant you a limited, revocable, non‑exclusive, non‑transferable license to use the Services for their intended purpose under these Terms.

12.2 Restrictions
You must not copy, modify, distribute, reverse engineer, or create derivative works of the Site or content, nor remove proprietary notices. Unauthorized use may result in termination and legal action.

13) Delivery / Transfers of Virtual Assets
13.1 Transfers
You may request transfers of virtual assets to third‑party addresses/wallets or to other Users, subject to authorization steps and applicable limits.

13.2 Registration for Recipients
Transfers to mobile/phone/email‑based recipients, where offered, require the recipient to complete registration (if not already a User) to access the assets. Unclaimed transfers may be returned or handled per our operational rules and applicable law.

13.3 Records
Transaction records (submitted, executed, cancelled) are available in your Account.

14) User Representations, Warranties & Obligations
You represent and warrant that:
(a) you have full legal capacity and authority;
(b) all information you provide is true, accurate, and complete;
(c) you will keep information up to date;
(d) you understand the nature and risks of virtual assets;
(e) you will comply with these Terms and applicable law.

14.2 Prohibited Conduct
You must not:
(a) use the Services for unlawful purposes (including ML/TF, fraud, sanctions evasion);
(b) circumvent security, identification, or monitoring;
(c) transact outside the Platform to avoid Fees or controls for Orders originated on the Platform;
(d) interfere with the Site;
(e) misuse others’ personal data; or
(f) engage in market abuse or manipulative practices.

14.3 Taxes
You are responsible for determining and paying all taxes arising from your use of the Services. We are not your tax agent.

14.4 Restricted Jurisdictions
Access to the Services is not permitted for persons or entities from jurisdictions listed in Appendix A (Restricted Jurisdictions) and/or where prohibited by law or sanctions. We may update the list from time to time.

15) Liability, Indemnity & Force Majeure
15.1 No Consequential Damages
To the maximum extent permitted by law, we are not liable for indirect, incidental, special, punitive, or consequential damages; loss of profits, revenue, business, data, goodwill; or for price fluctuations of virtual assets.

15.2 Platform/Third‑Party Failures
We are not liable for failures of blockchains, networks, custodians, payment providers, telecommunications, or third‑party services.

15.3 Cap
Where liability cannot be excluded, our aggregate liability to you for all claims in any 12‑month period shall not exceed the total Fees you paid to us in that period.

15.4 Indemnity
You agree to indemnify and hold harmless the Company, its directors, officers, employees, and service providers against all claims, losses, and expenses (including reasonable legal fees) arising out of your breach of these Terms or law, or your misuse of the Services.

15.5 Force Majeure
Neither party is liable for delay or failure caused by events beyond reasonable control (including natural disasters, war, strikes, epidemics, acts of authorities, power/network failures, severe market dislocations, major protocol incidents, or large‑scale cyberattacks).

16) Suspension, Restriction & Termination
16.1 Suspension/Restriction
We may suspend or restrict features or your Account to manage risk, comply with law, protect Users, or address suspected breaches.

16.2 Termination by Company
We may terminate for cause immediately (e.g., material breach, fraud, sanctions risk) or for convenience by written notice with reasonable lead time where legally required.

16.3 Termination by User
You may close your Account at any time subject to settlement of outstanding obligations. Upon closure, we will process withdrawals of available fiat/virtual assets to verified same‑name destinations, subject to law and risk checks.

16.4 Survival
Suspension/termination does not affect accrued rights or obligations and surviving sections (including, without limitation, IP, liability, indemnity, data, and dispute provisions).

17) Assignment
17.1 By Company
We may assign or transfer our rights/obligations under these Terms, in whole or in part, to an affiliate or successor, or in connection with a restructuring or transfer of business, subject to applicable law.

17.2 By User
You may not assign your rights or obligations without our prior written consent.

18) Confidentiality
Each party shall keep confidential non‑public information obtained in connection with the Services, except as permitted by these Terms or required by law/regulators/courts, or to professional advisers under confidentiality duties.

19) Data Protection & Privacy
19.1 Framework
We process personal data in accordance with the Swiss Federal Act on Data Protection (FADP) and, where applicable, the EU GDPR.

19.2 Controller
Summa GmbH is the controller for processing described in our Privacy Policy, which explains categories of data, purposes, legal bases, recipients, international transfers, retention, and your rights (access, rectification, deletion, restriction, portability, objection, consent withdrawal).

19.3 AML Overrides
AML/CFT obligations may require retention and processing irrespective of consent. We may share data with competent authorities and service providers as permitted by law.

19.4 Marketing
You may opt out of direct marketing at any time as described in the Privacy Policy.

20) Complaints & Support
20.1 How to complain
Contact Support via the Account or at guidance@onegog.io (or other channel shown on the Site), describing the issue and providing relevant details.

20.2 Response
We will acknowledge and assess complaints without undue delay and aim to respond within 7 days. Some cases may require more time due to complexity or legal constraints; we will keep you informed where feasible.

21) Changes to the Terms & Incorporated Documents
21.1 Publication & Notice
We may modify these Terms and Incorporated Documents. We will publish the updated version and effective date on the Site and notify you through the Account or email where required.

21.2 Acceptance
If a change is unacceptable, cease using the Services and close your Account before the change takes effect. Continued use after the effective date constitutes acceptance.

22) Notices
Notices to you may be delivered via the Account, email, or within the Site. Notices to us must be sent via Support channels indicated on the Site unless a different method is specified by law.

23) Governing Law & Jurisdiction
23.1 Governing Law
These Terms and any non‑contractual obligations arising out of or in connection with them are governed by Swiss law.

23.2 Venue
The exclusive place of jurisdiction is Zug, Switzerland, subject to any mandatory venues prescribed by law.

24) Miscellaneous
24.1 Entire Agreement
These Terms, together with all Incorporated Documents (including but not limited to the Privacy & Cookies Policy, AML/CFT & KYC Policy, and any applicable Fee Schedules or promotional terms), constitute the entire and exclusive agreement between you and the Company with respect to the subject matter herein. They supersede and replace any and all prior or contemporaneous agreements, representations, statements, or understandings, whether written, oral, or implied, relating to the Services or your use of the Site. Any earlier discussions, emails, or informal assurances shall have no legal effect once you agree to these Terms.

24.2 Severability
If any provision, clause, or part of these Terms is determined to be invalid, illegal, or unenforceable by a competent court or authority, the remainder of the Terms shall remain in full force and effect. The invalid or unenforceable portion will be modified, interpreted, or replaced to the minimum extent necessary so that it becomes valid, lawful, and enforceable while most closely reflecting the original intent of the parties.

24.3 No Waiver
Any failure or delay by the Company in exercising any right, power, or legal remedy under these Terms shall not constitute a waiver of such right or any other rights. A waiver will only be effective if it is provided in writing and signed by an authorized representative of the Company. Even if we do not act immediately to enforce our rights, we still retain the ability to do so at any time.

24.4 Headings
Headings, section titles, and numbering in these Terms are for convenience and organizational purposes only. They shall not affect the legal interpretation, construction, or enforceability of the provisions contained in these Terms.

24.5 Language
These Terms may be translated into other languages for your convenience; however, the English version shall prevail in case of any inconsistency, conflict, or ambiguity between translations. If you are reading a translated version and any doubt arises regarding interpretation, the English text will control and should be referred to as the legally binding version.