Terms & Conditions

1. Eligibility

You must be at least 18 years old, legally competent, and not located within any restricted jurisdiction.

You represent that you are not sanctioned, blocked, or otherwise prohibited from using Bitcoin services.

You acknowledge that Orange Standard is a Bitcoin‑only platform and may deny service at any time due to compliance, risk, or operational considerations.

2. Description of Services

Orange Standard provides Bitcoin custody, Bitcoin purchasing/selling through integrated partners, secure multi‑signature vaulting, Bitcoin‑backed lending, inheritance planning, beneficiary designations, educational tools, dashboards, and portfolio visibility.

Services may evolve or change at any time. Orange Standard focuses solely on Bitcoin and does not support tokens, stablecoins, altcoins, or DeFi assets.

3. Third‑Party Service Providers

You acknowledge that Orange Standard may rely on third‑party licensed custodians, liquidity providers, money transmitters, identity‑verification vendors, lending partners, and infrastructure providers for core functions.

You consent to the delegation of custody, execution, lending, compliance, banking, reporting, and security operations.

Orange Standard is not responsible for acts, omissions, outages, delays, insolvency, security failures, or performance issues of third‑party providers.

4. Account Registration & Identity Verification

You must provide accurate information and maintain updated records. You authorize identity checks, sanctions screenings, fraud monitoring, and enhanced verification when necessary.

Orange Standard may request additional documents at any time and may suspend or refuse service until verification is completed.

5. User Responsibilities

You are responsible for safeguarding your login credentials and devices. Any activity under your account is your responsibility.

You agree not to bypass security systems, reverse‑engineer the platform, automate interactions without permission, or use the Services for unlawful activity.

You agree to immediately notify Orange Standard of any suspected unauthorized access.

6. No Investment, Legal, or Tax Advice

Orange Standard does not provide investment recommendations, legal advice, tax guidance, or financial planning.

All Bitcoin decisions—including buying, selling, holding, or borrowing—are solely your responsibility.

Consult qualified professionals for investment or tax matters.

7. Custody & Wallet Services

Orange Standard uses secure multi‑signature custody frameworks through integrated third‑party custodians and internal controls.

Your Bitcoin may be held in segregated or co‑mingled vault structures, cold storage, or operational wallets depending on service needs.

Withdrawals may be paused during security events, network congestion, compliance reviews, or scheduled maintenance.

All blockchain transactions are irreversible. Sending Bitcoin to an incorrect address may result in permanent loss.

8. Lending & Collateralized Loans

Bitcoin pledged as collateral may be held in restricted multi‑signature vaults.

If loan‑to‑value thresholds are breached, collateral may be liquidated automatically without prior notice.

Loan terms, interest rates, and liquidation rules are determined by Orange Standard or licensed lending partners.

You assume all risks related to volatility, margin calls, and forced liquidation.

9. Transaction & Network Risks

Bitcoin network conditions can cause delays, increased fees, or failed transactions.

Orange Standard cannot control blockchain confirmations, miner behavior, or network congestion.

You acknowledge the risks of volatility, fee spikes, accidental transfers, and irreversible transactions.

10. Suspension, Termination & Account Freezes

Orange Standard may suspend or terminate access immediately for compliance concerns, suspicious activity, fraud, unauthorized use, or regulatory requirements.

During investigations, account activity—including deposits, withdrawals, and transfers—may be temporarily restricted.

You may close your account at any time after completing compliance and withdrawal procedures.

11. Taxes

You are solely responsible for reviewing, understanding, calculating, reporting, and paying all taxes associated with your Bitcoin transactions, including but not limited to capital gains, income taxes, loan interest taxes, and applicable state obligations.

Orange Standard does not withhold taxes, provide tax documents, or offer tax advice. We may provide transaction history exports, but these may not constitute complete tax records.

You acknowledge that tax regulations for digital assets may change and that you must stay compliant with your local laws.

12. Intellectual Property

All content, branding, interface elements, written materials, security infrastructure, and technology provided by Orange Standard remain our exclusive property.

You are granted a limited, revocable, non‑transferable license to use the platform for lawful purposes only.

You may not copy, distribute, duplicate, modify, reverse‑engineer, or create derivative works based on any part of the Services.

13. Regulatory & SARs Disclosure

Orange Standard complies with the Bank Secrecy Act (BSA), AML/CTF rules, and applicable state/federal regulations.

You acknowledge that:

• Orange Standard may monitor your use of the Services for suspicious activity.

• Orange Standard may request additional information at any time.

• Orange Standard may file Suspicious Activity Reports (SARs) when required by law.

You understand that federal law prohibits us from informing you whether a SAR has been filed.

We may share your information with regulators, law enforcement, and compliance partners as required by law.

14. Consumer Warning & Bitcoin Risk Notice

Bitcoin is a volatile, emerging digital asset. You acknowledge that:

• The value of Bitcoin may fluctuate significantly.

• Bitcoin is not government‑backed, FDIC insured, or guaranteed.

• Bitcoin transactions are irreversible.

• Loss of private keys or mis‑sent transactions may result in permanent loss.

• Regulatory changes may affect Bitcoin availability or use.

You confirm that you understand these risks and that you are financially able to bear potential losses.

15. Platform Risk Statement

You acknowledge that the Services depend on complex interactions between software, custodians, banking partners, and the Bitcoin network.

Risks include but are not limited to:

• Custodian outages or delays

• Third‑party operational failures

• Cyberattacks, phishing, or security compromises

• Bitcoin network congestion or miner behavior

• Stale pricing data or liquidity shortages

• Market volatility and slippage

You agree that Orange Standard is not liable for losses arising from these risk factors.

16. Insurance Disclaimer

Orange Standard does not provide insurance for Bitcoin holdings unless explicitly stated in writing.

Bitcoin held with Orange Standard is not protected by FDIC, SIPC, FSCS, or any government insurance program.

Third‑party custodians may carry commercial crime insurance, but such insurance may not cover all losses and does not guarantee reimbursement.

17. Cold Storage vs Hot Wallet Disclosure

Your Bitcoin may be held in:

• Deep cold storage multi‑signature vaults

• Warm storage multi‑signature operational wallets

• Limited hot‑wallet infrastructure for withdrawals

Allocation may vary depending on liquidity needs, lending collateralization, and operational requirements.

You acknowledge that hot wallets carry increased risk and accept these risks.

18. Proof‑of‑Reserves & Verification Disclosure

Orange Standard may conduct cryptographic proof‑of‑reserves attestations or third‑party audits, but is not obligated to do so.

Proof‑of‑reserves does not guarantee solvency or future liquidity.

You acknowledge that no audit or attestation eliminates all custodial risk.

19. Business Continuity & Disaster Recovery

Orange Standard maintains internal procedures for business continuity including backup signing devices, redundancy planning, disaster recovery protocols, and custodian failover processes.

However, no system is fail‑proof. Severe events may result in delays or temporary inability to process withdrawals or transactions.

You acknowledge that such delays do not constitute a breach of these Terms.

20. Beneficiary & Estate Planning

Orange Standard allows certain users to designate beneficiaries or initiate inheritance workflows.

Beneficiary access may require legal documentation including death certificates, probate orders, trust documents, or other verification.

Orange Standard is not responsible for estate disputes, conflicting claims, frozen accounts due to legal orders, or court‑mandated holds.

21. E‑Sign Consent

By using the Services, you consent to receive agreements, notices, disclosures, and communications electronically.

Electronic signatures, confirmations, and approvals have the same legal effect as physical signatures.

You are responsible for maintaining the hardware and software necessary to receive electronic communications.

22. Data Retention & Records Policy

Orange Standard may retain account records, identity documentation, transaction data, logs, security events, and communication history for as long as required by law or internal policy.

Retention periods may extend beyond account closure for regulatory, audit, or compliance purposes.

You acknowledge that deletion requests may be denied if retention is required by law.

23. Extended Lending Risk Statement

Bitcoin-backed loans involve heightened risks including:

• Forced liquidations without notice

• Liquidation at unfavorable prices

• Increased volatility during margin stress

• Counterparty or custodian operational delays

Your use of lending services confirms acceptance of these risks.

Loan availability, collateral requirements, and rates are subject to change.

24. Withdrawal Timing, Limits & Delays

Withdrawals may be subject to:

• Security screening

• Compliance review

• Liquidity availability

• Custodian processing windows

Orange Standard may impose daily, weekly, or monthly withdrawal limits.

Unexpected delays do not constitute a breach of these Terms.

25. Custodian Insolvency & Partner Failure Disclosure

Third‑party custodians or liquidity providers used by Orange Standard could experience insolvency, regulatory action, operational failure, or security compromise.

You acknowledge that:

• Bitcoin could be temporarily inaccessible

• Withdrawal processing could be delayed

• Recovery of assets may depend on legal proceedings

Orange Standard is not liable for losses arising from custodian or partner failures.

26. Forks, Airdrops & Unsupported Assets

Orange Standard supports Bitcoin (BTC) only.

In the event of a hard fork, soft fork, chain split, or protocol change, Orange Standard may:

• Support one chain only

• Pause withdrawals

• Decline to distribute forked coins or airdrops

You agree that Orange Standard has full discretion in handling forks and unsupported assets.

27. Node Selection & Network Behavior

Orange Standard or its partners may choose which Bitcoin nodes to operate or connect to.

Node selection may affect:

• Confirmation times

• Mempool visibility

• Fee estimation

You acknowledge these operational variances and accept associated risks.

28. Account Closure Procedures

You may request account closure at any time after resolving pending transactions and compliance checks.

Orange Standard may deny closure if:

• There is an active investigation

• There is an outstanding loan balance

• Legal or regulatory holds are in place

Account deletion does not guarantee data deletion if retention is required by law.

29. Legal Process, Subpoenas & Enforcement Orders

Orange Standard complies with subpoenas, court orders, and lawful governmental requests.

We may:

• Freeze accounts

• Restrict withdrawals

• Provide user information to authorities

You will not receive notice if prohibited by law.

All associated costs may be charged to your account.

30. Class Action Waiver

You agree that all disputes with Orange Standard must be resolved on an individual basis.

You waive any right to participate in a class action, class arbitration, or representative proceeding.

This waiver applies to past, present, and future disputes unless prohibited by law.

31. Arbitration (Expanded)

Disputes shall be resolved by binding arbitration in Wilmington, Delaware under the AAA rules.

Arbitration is the exclusive remedy except for small claims court.

The arbitrator has authority only to resolve disputes between you and Orange Standard individually.

Discovery, damages, and procedures may be limited compared to court litigation.

32. Governing Law (Expanded)

These Terms are governed by the laws of the State of Delaware.

Conflicts of law principles do not apply.

If arbitration is deemed unenforceable, disputes must be heard in Delaware state or federal courts.

33. Notices

Orange Standard may provide notices electronically via email, dashboard notifications, SMS, or website postings.

You are responsible for keeping your contact information current.

Electronic notices are deemed delivered when sent.

34. Assignment

You may not assign your rights or obligations under these Terms.

Orange Standard may assign, transfer, or delegate responsibilities to affiliates or successors without notice.

These Terms remain binding upon any successors or permitted assigns.

35. Additional Terms & Policy Integration

Additional policies—such as the Privacy Policy, Risk Disclosures, Custody Agreements, Loan Agreements, or Product-Specific Terms—form part of these Terms.

In case of conflict, Orange Standard determines precedence unless prohibited by law.

36. Fees, Pricing & Billing

Orange Standard may charge fees for custody, execution, lending, withdrawals, or additional services.

Fees may change at any time. Updated fee schedules will be posted on the website or app.

You agree to all fees incurred through the use of the Services. Failure to pay may result in suspension or termination.

37. Prohibited Activities

You agree not to engage in:

• Money laundering, terrorist financing, fraud, or criminal activity

• Sanctions evasion or structuring behavior

• Interference with platform security or integrity

• Using the platform for gambling, mixers/tumblers, darknet markets, or unlawful schemes

• Attempting to bypass geographic restrictions or compliance controls

38. Security Responsibilities

You must maintain adequate security practices including secure passwords, updated devices, and safe storage of authentication codes.

Orange Standard is not responsible for losses resulting from compromised devices, phishing, SIM swaps, malware, or social engineering.

39. API Terms (If Applicable)

If you use Orange Standard APIs, you must:

• Protect API keys

• Not abuse rate limits

• Not use the API for competitive analysis

Orange Standard may revoke API access at any time for security or misuse.

40. Rate & Pricing Data Disclaimers

Price quotes, charts, and market data are provided for convenience only and may be delayed, stale, or inaccurate.

Orange Standard does not guarantee pricing accuracy or availability.

All execution is subject to market conditions, liquidity, and third‑party provider performance.

41. Communications Monitoring

Orange Standard may monitor communications for compliance, training, and security purposes.

You consent to such monitoring to the extent permitted by law.

42. Identity Misuse & Account Recovery Limits

Account recovery may require identity documentation, manual review, or additional security checks.

Orange Standard cannot guarantee recovery of accounts compromised due to loss of credentials, device theft, or social engineering.

43. Platform Availability & Maintenance

The Services may be unavailable during maintenance, upgrades, outages, or provider disruptions.

Scheduled or emergency downtime does not constitute a breach of these Terms.

44. Export Controls & International Restrictions

You agree not to use the Services in violation of U.S. export controls or sanctions laws.

You may not access the platform from embargoed or prohibited jurisdictions.

45. Indemnification (Expanded)

You agree to indemnify Orange Standard against claims arising from:

• Your use of the Services

• Your breach of these Terms

• Your violation of laws or third‑party rights

• Regulatory or law enforcement actions caused by your activity

46. Disclaimer of Warranties (Expanded)

The Services are provided “AS IS,” without warranties including:

• Accuracy

• Availability

• Fitness for purpose

• Non‑infringement

• Continuous operation

Bitcoin custody, blockchain interaction, and financial outcomes cannot be guaranteed.

47. Limitation of Liability (Expanded)

To the maximum extent permitted by law:

• Orange Standard is not liable for indirect, incidental, consequential, punitive, or special damages.

• Total liability shall not exceed total fees paid in the preceding 12 months.

Some jurisdictions may disallow certain limitations; in such cases, limitations apply to the fullest extent permitted.

48. Survival of Terms

Sections relating to liability, indemnification, arbitration, privacy, IP rights, and compliance survive termination.

Termination does not relieve obligations incurred prior to termination.

49. Relationship of Parties

You agree that no joint venture, partnership, fiduciary duty, or employment relationship exists between you and Orange Standard.

50. Entire Agreement (Expanded)

These Terms, together with incorporated policies, represent the entire agreement between you and Orange Standard.

No oral statements or external representations modify these Terms.

51. Interpretation Guidelines

Headings are for convenience only and do not affect interpretation.

If ambiguity arises, interpretations shall favor enforceability.

52. Language Controls

These Terms are written in English.

Translations, if provided, are for convenience only. The English version controls.

53. Feedback, Suggestions & IP Assignment

Any feedback you provide becomes the property of Orange Standard.

You assign all intellectual property rights to such feedback.

54. Unauthorized Access Handling

Unauthorized access may result in:

• Account suspension

• Reporting to law enforcement

• Permanent restrictions

You are responsible for securing your account.

55. Digital Inheritance Limitations

Inheritance workflows may require legal documents and verification.

Orange Standard is not responsible for estate disputes or conflicting claims.

Laws and inheritance processes may vary by jurisdiction.

56. Compliance with Bitcoin Network Rules

You acknowledge that Bitcoin is governed by decentralized network rules.

Orange Standard does not control miners, nodes, network fees, or protocol changes.

Network disruptions may impact functionality.

57. Conflicts Between Policies

If policy conflicts occur, Orange Standard will determine precedence.

Inconsistencies do not invalidate the remaining provisions.

58. Severability (Expanded)

If any provision is found invalid, the remaining provisions remain enforceable.

Invalid provisions will be replaced with enforceable terms aligned with original intent.

59. Waiver

Failure to enforce any provision does not constitute a waiver of rights.

Waivers must be explicit and in writing.

60. Contact Information (Expanded)

Orange Standard LLC

8 The Green

Dover, DE 19901

Email: support@orangestandard.com

Hours: Monday–Friday, normal business hours, excluding holidays.