Terms and Conditions

These Terms and Conditions ("Terms") govern your access to and use of the stbl admin website at https://stbladmin.com and the stbl admin application and services (together, the "Service"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Who we are

The Service is provided by:

• [Legal entity name] ("stbl admin", "we", "us", "our")
• Registered address: [address]
• Chamber of Commerce (KvK) number: [KvK number]
• VAT number: [VAT number]
• Email: [contact email, e.g. support@stbladmin.com]

2. Definitions

• Service: the stbl admin website, application, and related features that read on-chain activity, organize transactions, match payments to invoices, and generate reports.
• User, you: any person or entity that accesses or uses the Service.
• Account: your registered access to the Service.
• Wallet: a blockchain address or wallet you connect to the Service in read-only form.
• Plan: the Free, Pro, or Business subscription tier you select.

3. The Service

stbl admin is a non-custodial administrative and bookkeeping support tool for individuals and businesses that receive payments in crypto-assets. The Service reads publicly available on-chain data and third-party price data, organizes it, and helps you produce records and reports for your own administration and for your bookkeeper or accountant.

The Service:

• is non-custodial: we never take possession of, control, hold, send, or have access to your funds or private keys. You retain full control of your wallets and crypto at all times;
• reads wallet activity in read-only form only;
• is an informational and administrative tool, not a payment service, exchange, custodian, broker, or financial institution.

4. No financial, tax, legal, or accounting advice

The Service and its output are provided for informational and administrative purposes only. stbl admin is not a tax advisor, accountant, financial advisor, or legal advisor, and nothing in the Service constitutes financial, tax, legal, or accounting advice.

You are solely responsible for:

• the correctness and completeness of your own tax filings and administration;
• determining how your crypto income and transactions should be reported under applicable law;
• consulting a qualified professional (such as an accountant or tax advisor) for advice on your situation.

Reports, valuations, categorizations, and summaries generated by the Service are aids to your administration, not a substitute for professional advice or for your own review.

5. Accuracy of data and third-party sources

The Service relies on data from third-party sources, including public blockchains, blockchain data providers, and price providers. While we work to provide accurate and useful output, we do not guarantee that data is complete, accurate, current, or error-free. Blockchain data and historical price data may be incomplete, delayed, or revised.

You are responsible for reviewing and verifying any output before relying on it, including before submitting any tax filing or providing records to a third party.

Price valuation. To value crypto-assets in fiat (such as EUR), the Service uses historical price data from a third-party price provider (currently CoinGecko), based on the daily price for the date of each transaction. Crypto-asset prices vary continuously and differ between sources, exchanges, and moments within a day. As a result, the values shown by the Service may differ from values shown by block explorers, exchanges, your wallet, or other price providers for the same transaction, and we do not guarantee that any valuation matches any particular source or the exact price at the moment of your transaction. Valuations are estimates provided for administrative purposes. You remain responsible for reviewing and, where needed, adjusting any valuation before relying on it or submitting it to a third party.

6. Account registration

To use certain features you must create an Account. You agree to provide accurate information, keep your credentials confidential, and remain responsible for all activity under your Account. You must be at least 18 years old and legally able to enter into these Terms.

7. Plans, pricing, and payment

The Service is offered on several Plans, including a Free Plan and paid Plans (currently Pro and Business). Plan features and prices are described on our pricing page and may be updated from time to time.

• Paid Plans are billed in advance on a monthly or yearly basis, depending on the billing cycle you choose.
• Prices are stated in euro (EUR) and, where applicable, exclude or include VAT as indicated at checkout.
• You authorize us (and our payment processor) to charge the applicable fees for your selected Plan and billing cycle.
• Paid Plans renew automatically at the end of each billing cycle unless cancelled before renewal.
• You can cancel at any time; cancellation takes effect at the end of the current billing cycle. Except where required by law, fees already paid are non-refundable.
• We may change prices or Plan features. We will give reasonable notice of material changes, and changes will apply from your next billing cycle.

8. Right of withdrawal (consumers)

If you are a consumer in the EU, you may have a statutory right to withdraw from a purchase within 14 days. Because the Service is a digital service supplied immediately, by starting to use a paid Plan within this period you may expressly request immediate performance and acknowledge that you lose your right of withdrawal once the service has been fully performed, to the extent permitted by law.

9. Acceptable use

You agree not to:

• use the Service for any unlawful purpose, including money laundering, terrorist financing, fraud, or sanctions evasion;
• attempt to gain unauthorized access to the Service or other users' data;
• copy, resell, or reverse engineer the Service except where permitted by law;
• upload malicious code or interfere with the Service's operation;
• use the Service to process data you have no right to process.

We may suspend or terminate Accounts that violate these Terms.

10. Intellectual property

The Service, including its software, design, text, and branding (including the stbl admin name and logo), is owned by us or our licensors and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable right to use the Service in accordance with these Terms. Your own data remains yours.

11. Third-party services

The Service may interact with or link to third-party services, such as blockchains, exchanges, price providers, and payment processors. We are not responsible for third-party services, their availability, or their terms. Your use of third-party services is at your own risk and subject to their terms.

12. Availability and changes

We aim to keep the Service available but do not guarantee uninterrupted or error-free operation. We may modify, suspend, or discontinue all or part of the Service, including features of any Plan, at any time. Where reasonable, we will give notice of material changes.

13. Limitation of liability

To the maximum extent permitted by law:

• the Service is provided "as is" and "as available", without warranties of any kind;
• we are not liable for any indirect, incidental, or consequential damages, or for any loss of profit, data, or goodwill;
• we are not liable for tax assessments, penalties, fines, or losses arising from your reliance on the Service's output or from incomplete or inaccurate third-party data;
• our total aggregate liability arising out of or relating to the Service is limited to the amount you paid us for the Service in the 12 months preceding the event giving rise to the liability.

Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for intent or gross negligence.

14. Wallets, keys, security, and loss of funds

stbl admin is non-custodial and read-only. We never hold, control, receive, send, convert, or have any access to your funds, wallets, private keys, seed phrases, recovery phrases, or exchange accounts. You alone control your crypto and your access to it at all times.

Because of this, and to the maximum extent permitted by law, we are not liable for any loss, damage, or cost of any kind, including the total or partial loss of funds or crypto-assets, arising from or related to:

• Loss of access: the loss, theft, forgetting, or compromise of your passwords, login credentials, private keys, seed phrases, or recovery phrases, including any situation where you can no longer access your wallet, funds, or Account.
• User setup and configuration errors: incorrectly creating, configuring, importing, restoring, or labeling a wallet; selecting the wrong wallet, account, or network; or any mistake in how you set up or operate your wallet or exchange.
• Wrong blockchain or network: sending, receiving, or requesting funds on the wrong blockchain, network, or chain; using an incompatible or unsupported network; or any loss caused by network or chain selection.
• Incorrect addresses and transactions: sending funds to a wrong, mistyped, outdated, or fraudulent address; sending the wrong amount or the wrong asset; or any transaction you authorize, sign, send, or receive. Blockchain transactions are generally irreversible, and we cannot recover, reverse, cancel, or refund them.
• Hacks, theft, and unauthorized access: hacking, phishing, social engineering, malware, SIM-swapping, theft, or any unauthorized access to your wallets, exchange accounts, devices, email, or Account, whether or not your credentials were involved.
• Third-party platforms: the failure, error, bug, downtime, suspension, insolvency, freezing of funds, security breach, or any act or omission of any third-party wallet, exchange, blockchain, bridge, smart contract, price provider, or payment provider you use.
• Asset-specific risks: loss of value, de-pegging of a stablecoin, depreciation, volatility, illiquidity, delisting, or failure of any crypto-asset, token, or stablecoin you hold or receive.
• Failed, stuck, or delayed transactions: transactions that fail, get stuck, are delayed, or are dropped due to network congestion, insufficient gas or fees, or any other on-chain condition.

You are solely responsible for:

• securing your wallets, private keys, seed phrases, recovery phrases, passwords, devices, and Account;
• safely backing up your recovery phrase and never sharing it with anyone, including us; we will never ask you for it;
• selecting the correct wallet, network, blockchain, asset, address, and amount for every transaction;
• verifying all transaction details before you authorize or send anything;
• understanding the risks of holding, sending, receiving, and converting crypto-assets.

stbl admin only reads publicly available on-chain data and helps you organize and report it. We do not initiate, control, approve, or execute any transaction on your behalf, and we are not responsible for the outcome of any transaction or for the security of any wallet, key, credential, device, or third-party platform.

Nothing in this article limits or excludes liability that cannot be limited or excluded under applicable mandatory law, including liability for intent or gross negligence on our part, and the statutory rights of consumers.

15. Setup guidance, instructions, and third-party tools

To make getting started easier, the Service may provide guidance, step-by-step instructions, walkthroughs, checklists, and recommendations, for example on how to create or set up a wallet, choose a network, create a password, back up a recovery phrase, or use a third-party wallet or exchange (such as, by way of example only, Exodus or any other provider we may mention).

All such guidance is provided for general informational and educational purposes only. It is not advice, and it does not guarantee any particular result. Wallet providers, exchanges, and other third-party tools are operated by third parties, not by us. We do not endorse, control, or take responsibility for any third-party tool, and any third party we mention may change its product, steps, or terms at any time.

You follow any guidance, instructions, or recommendations entirely at your own risk and on your own responsibility. To the maximum extent permitted by law, we are not liable for any loss or damage, including loss of funds, arising from:

• following, misunderstanding, or incorrectly applying any setup guidance or instructions we provide;
• any error you make while creating, configuring, securing, or backing up a wallet, password, or recovery phrase;
• your choice or use of any third-party wallet, exchange, or tool, including ones we mention or link to;
• outdated or inaccurate instructions caused by changes a third party makes to its own product.

You remain solely responsible for your own decisions, your setup, the security of your wallet and recovery phrase, and for verifying every step before you rely on it. If you are unsure, seek help from a qualified professional. Nothing in this article limits or excludes liability that cannot be limited or excluded under applicable mandatory law, including liability for intent or gross negligence on our part, and the statutory rights of consumers.

16. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or costs arising from your use of the Service, your breach of these Terms, or your violation of any law or third-party right.

17. Data protection

We process personal data in accordance with our Privacy Policy, which forms part of these Terms. We process personal data in line with the General Data Protection Regulation (GDPR).

18. Term and termination

These Terms apply for as long as you use the Service. You may stop using the Service and close your Account at any time. We may suspend or terminate your access if you breach these Terms or if required by law. Provisions that by their nature should survive termination (such as liability, intellectual property, and governing law) will continue to apply.

19. Changes to these Terms

We may update these Terms from time to time. We will post the updated version with a new "last updated" date and, for material changes, provide reasonable notice. Continued use of the Service after changes take effect constitutes acceptance.

20. Governing law and jurisdiction

These Terms are governed by the laws of the Netherlands. Disputes will be submitted to the competent court in [court district, e.g. Amsterdam], unless mandatory consumer law provides otherwise.

21. Contact

Questions about these Terms? Contact us at [contact email].