Last Updated: July 17, 2025
Welcome to ANDX USA LLC (“we,” “us,” or “our”), a U.S.-based cryptocurrency exchange platform headquartered in Florida. This User Agreement (“Agreement”) governs your use of our website, mobile application, and related services (collectively, the “Platform”). By accessing or using the Platform, you (“User” or “you”) agree to be bound by this Agreement. If you do not agree with these terms, you must not use the Platform.
This Agreement complies with applicable U.S. federal and state regulations, including those of the Financial Crimes Enforcement Network (FinCEN) and the Florida Office of Financial Regulation.
1. Eligibility
To use the Platform, you must:
- Be at least 18 years old and have the legal capacity to enter into binding contracts.
- Reside in a jurisdiction where the Platform’s services are legally available.
- Complete our Know Your Customer (KYC) verification process, facilitated by SumSub, to comply with anti-money laundering (AML) and counter-terrorism financing (CTF) regulations.
- Not be a resident of a restricted jurisdiction or a sanctioned individual/entity under U.S. law. You confirm you are not listed on the U.S. Office of Foreign Assets Control (OFAC) Specially Designated Nationals (SDN) list or otherwise prohibited under U.S. sanctions.
2. Services Provided
ANDX USA LLC facilitates fiat-to-cryptocurrency transactions through our partner, ZeroHash, a registered Money Services Business (MSB) with FinCEN and holder of Money Transmitter Licenses (MTL) in all U.S. states and territories, including compliance with the Florida Office of Financial Regulation for money transmission and virtual currency activities.
2.1 Fiat-to-Stablecoin Conversion
- Users may transfer fiat currency (USD) from their bank accounts to the Platform.
- ZeroHash converts fiat currency into stablecoins, such as USDT (Tether), which are digital assets pegged to the U.S. dollar at a 1:1 ratio, using its Request for Quote (RFQ) system.
- Stablecoins are credited to your Platform wallet, and you may convert stablecoins back to USD at a 1:1 ratio, subject to processing times, and regulatory requirements.
2.2 Wallet Services
- The Platform provides a digital wallet to store stablecoins. You are responsible for safeguarding your wallet credentials, including private keys.
- User funds are held in segregated accounts in accordance with regulatory requirements to ensure protection.
3. User Responsibilities
By using the Platform, you agree to:
- Provide accurate and complete information during registration and KYC verification.
- Comply with all applicable laws, including AML, CTF, and U.S. sanctions regulations.
- Cryptocurrency transactions may be subject to federal, state, and local taxes, including capital gains taxes, as determined by the Internal Revenue Service (IRS) and Florida tax authorities. You are solely responsible for reporting and paying any applicable taxes arising from your transactions on the platform. We may issue tax forms, such as IRS Form 1099, for reportable transactions as required by law.
- Giving your consent to receive all communications, including transaction confirmations, account updates, and legal notices, electronically via email or the platform’s interface. By creating an account, you consent to receive electronic records and communications, and agree to the use of electronic signatures as legally binding under the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN Act).
- Maintain the security of your account by using strong passwords and enabling multi-factor authentication.
- Notify us immediately of any unauthorized access or suspected security breach at support@andxus.io
4. Risks of Digital Assets
Using the Platform involves significant risks associated with digital assets, including but not limited to:
- Market Volatility: Stablecoins, such as USDT, aim to maintain a 1:1 peg with USD, but external market conditions or issuer issues may affect their stability.
- Regulatory Changes: Changes in U.S. or international laws may impact the availability or value of digital assets.
- Security Risks: Digital assets are vulnerable to hacking, phishing, or loss of private keys. While we implement robust security measures, no system is entirely secure.
- Operational Risks: System downtimes or third-party service interruptions (e.g., ZeroHash or stablecoin issuers) may affect access to your funds.
- Counterparty Risk: The stability of stablecoins depends on their issuers’ reserves and operational integrity.
For a detailed list of risks, refer to our Risk Disclosure statement available on the Platform.
5. Third-Party Service Providers
We partner with the following third-party providers to deliver our services:
- ZeroHash: Facilitates fiat-to-cryptocurrency transactions and collects user information via its Software Development Kit (SDK) for regulatory compliance. ZeroHash is a licensed MSB with FinCEN and holds MTL licenses in all U.S. states and territories.
- SumSub: Conducts KYC verification to ensure compliance with AML and CTF regulations.
These providers adhere to strict data protection and regulatory standards. For details, refer to our Privacy Policy available on the Platform.
6. Fees
You may be charged fees for certain services, such as fiat-to-cryptocurrency conversions or withdrawals. All applicable fees will be disclosed at the time of the transaction.
7. Intellectual Property Rights
All content, trademarks, logos, and software on the Platform are the property of ANDX USA LLC or its licensors and are protected by U.S. and international intellectual property laws. You may not copy, modify, distribute, or reproduce any content without our prior written consent.
8. Prohibited Activities
You agree not to:
- Use the Platform for illegal activities, including money laundering or terrorist financing.
- Attempt to gain unauthorized access to the Platform or its systems.
- Engage in fraudulent activities, such as providing false information during KYC verification.
- Use the Platform in a manner that violates U.S. sanctions or other applicable laws.
We reserve the right to suspend or terminate your account for violating these terms.
9. Limitation of Liability
To the fullest extent permitted by law, ANDX USA LLC, its affiliates, and third-party providers (e.g., ZeroHash, SumSub) shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Platform, including but not limited to loss of funds, data, or profits. Also Cryptocurrency assets, including stablecoins held in your Platform wallet, are not insured by the Federal Deposit Insurance Corporation (FDIC), the Securities Investor Protection Corporation (SIPC), or any other public or private insurer. You understand and accept the risks associated with holding uninsured digital assets.
10. Termination
We may terminate or suspend your access to the Platform at our discretion, with or without notice, for reasons including but not limited to:
- Violation of this Agreement.
- Suspected fraudulent or illegal activity.
- Regulatory or legal requirements.
Upon termination, your right to use the Platform will cease, and any funds in your wallet will be handled in accordance with applicable laws.
11. Dispute Resolution
Any disputes arising from this Agreement shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA). Arbitration shall take place in Miami, Florida, unless otherwise agreed. The prevailing party shall be entitled to reasonable attorney’s fees and costs. You may opt out of this arbitration provision by notifying us in writing at compliance@andxus.io within 30 days of your acceptance of this Agreement. If you do not opt out, this clause will be binding
12. Complaint Procedures
If you have a complaint, please contact our support team at support@andxus.io. We will respond within 10 business days and work to resolve the issue promptly. If the issue remains unresolved, you may escalate it to the Florida Office of Financial Regulation or other relevant authority.
13. Governing Law
This Agreement is governed by the laws of the State of Florida and applicable U.S. federal laws, without regard to conflict of law principles.
14. Changes to This Agreement
We may update this Agreement from time to time to reflect changes in our services or legal requirements. We will notify you of material changes via email or through the Platform. Continued use of the Platform after such changes constitutes your acceptance of the updated Agreement.
15. Contact Information
For questions about this Agreement or our services, please contact:
ANDX USA LLC
Email: support@andxus.io
Address: 7901 4th St N, Ste 300, St. Petersburg, FL 33702 For regulatory inquiries, contact our compliance team at compliance@andxus.io