Terms of service
Draft inherited from the Team-Crypto terms — to be adapted to Team-ETF and validated by counsel before publication.
General Terms and Conditions of Sale
Between:
The company F-Corp EU OÜ, registered with the Estonian Commercial Register under number 16234567, whose registered office is at Tornimäe tn 5, 10145 Tallinn, Estonia.
The company can be contacted by email at: contact@teametf.eu
Hereinafter referred to as the “Seller” or the “Company”
On the one hand,
And:
The natural or legal person purchasing products or services from the company,
Hereinafter referred to as the “Buyer” or the “Client”
On the other hand,
It has been stated and agreed as follows:
F-Corp EU OÜ offers online products and services intended for both professional and non-professional customers.
Team-ETF is an automated crypto-asset portfolio management service. The Team-ETF software implements a transparent trading method, which has been previously offered.
Article 1: Purpose
These General Terms and Conditions of Sale (hereinafter referred to as the “GTC”) are intended to define the respective rights and obligations of the parties in the context of online sales of Products and/or Services offered by F-Corp EU OÜ, or, where applicable, by the Seller.
Article 2: General Provisions
These General Terms and Conditions of Sale (hereinafter the “GTC”) govern all sales of Products and Services carried out by F-Corp EU OÜ, or, where applicable, by the Seller. They constitute an essential and inseparable contractual component of the Agreement entered into between the Buyer and the Seller.
The Seller reserves the right to modify these GTC at any time by publishing a new version. Any such modifications shall become immediately binding upon existing Buyers as of their publication online, and shall apply to new Buyers as of their registration date.
The present General Terms and Conditions of Sale are accessible to existing clients directly from their member area.
By accepting the GTC, the Buyer expressly requests the immediate commencement of the services provided.
Article 3: Description of Services
Team-ETF is an automated crypto-asset portfolio management service. The Team-ETF software implements a transparent trading methodology, which has been previously presented and explained to the Client. By accepting these General Terms and Conditions of Sale (GTC), the Client acknowledges having read and understood the terms of this methodology.
The trading method is based on four (4) mechanisms and one (1) prerequisite.
The prerequisite specifies that the strategy is capable of generating capital gains only if the overall crypto-asset market is bullish during the investment period. The Client expressly accepts this assumption as a mandatory precondition.
The four (4) mechanisms, presented and explained to the Client—who acknowledges having fully understood them—are as follows:
Investment in the 30 largest market capitalizations in the crypto-asset market (assessed at the beginning of each month based on the exponential moving average of the market capitalization of crypto-assets);
Monthly rebalancing of the portfolio according to changes in the top 30 market capitalizations ;
Portfolio allocation determined in proportion to the capitalization share of each crypto-asset (calculated as the square root of the one-week exponential moving average of its market capitalization) relative to the total capitalization of the 30 largest assets in the same market;
The discipline of maintaining monthly rebalancing throughout the chosen investment period, without altering the principal amount, except to add additional funds or withdraw profits for the purpose of securing them.
The Buyer acknowledges and agrees that the Team-ETF software implements only these four (4) defined mechanisms, the logic and operation of which the Buyer declares to have understood, except in the cases expressly provided for in Article 12.
The Seller or F-Corp EU OÜ reserves the right to modify the offer and its features, provided that the four fundamental operating mechanisms described above are maintained.
The Buyer acknowledges and agrees that F-Corp EU OÜ does not provide financial investment advisory services.
Article 4: Pricing
The service is billed with fixed fees and variable fees during profitable months:
Each plan is billed as an annual subscription plus a one-off registration fee, with a commission charged only in profitable months. Every plan includes monthly rebalancing, the Top 5 / Top 30 allocation and gain securing.
Starter — €390 per year, 5% fee on gains, one connected account, entry and exit priority 3, on-demand rebalancing at €30
Booster — €690 per year, 4% fee on gains, one connected account, entry and exit priority 2, on-demand rebalancing at €30
Elite — €1,390 per year, 3% fee on gains, up to five connected accounts, entry and exit priority 1, on-demand rebalancing free of charge
A one-off registration fee of €2,000 applies to every plan
€2000 registration fee
For each profitable month, performance fees are directly deducted from the Client’s exchange account.
Definition of a profitable month : A month is profitable if:
“End-of-period capital” – “Capital added during the period” + “Capital withdrawn” > “Start-of-period capital”.
(ii) Fees related to digital asset transactions
The Buyer acknowledges and agrees that the fees applied when purchasing crypto-assets or converting them into stablecoins, particularly in the event of exiting the market, are fees charged directly by the Exchange in accordance with its own pricing terms.
Team-ETF does not intervene in the determination, calculation, or collection of these fees and shall not be held liable for their amount, any changes to them, or their application by the Exchange.
The Buyer acknowledges that these fees are independent from any fees that may be charged by Team-ETF for its services and that they fall exclusively within the contractual relationship between the Buyer and the Exchange.
Article 5: Eligibility
The Team-ETF offer is strictly reserved for users aged 18 years or older. By accepting these GTC, the Buyer declares and guarantees meeting the minimum legal age requirement.
Article 6: User Account and Security
The security of the Team-ETF service is based on four principles established in close collaboration with the client:
Securing the Buyer’s Binance/Kraken account
The Buyer must create an account on the Binance/Kraken platform in order to access the Team-ETF service, and must enter their personal and account information and promptly update this information if it changes.
Access to their Binance/Kraken account must be personal and unique. The access code may not be shared or transmitted.
The Buyer must maintain the security of their account and notify the Seller in case of suspected fraud.
The Buyer is fully responsible for the security of their Binance/Kraken account. As such, they agree to use a two-factor authentication system to ensure that only they can access their account.
If the access code is shared, the Buyer is responsible for all activities carried out on the account.
Securing the API Keys allowing the Team-ETF software to communicate with the Client’s Binance/Kraken account
F-Corp EU OÜ undertakes to use API keys whose IP address will be whitelisted, ensuring that no software other than Team-ETF will be able to perform trades or transfers on the client’s account.
If other API keys (other than those required for the operation of Team-ETF) are installed on the Client’s Binance/Kraken account, the Buyer will be entirely responsible for any activity generated on their account through these other APIs.
F-Corp EU OÜ does not operate an online application in order to preserve the confidentiality of its server addresses.
To avoid any attacks, F-Corp EU OÜ has chosen to limit its service to trade management and sending a monthly summary of trades carried out by the software. Without an online application, security is maintained as there is no target for potential hackers to attack.
If, in the future, F-Corp EU OÜ were to implement an online application to improve customer service, this would be done via a whitelisted API key that would authorize only account consultation (making it impossible to carry out trades outside of rebalancing periods).
Article 7: Prohibited Conduct and Content
The Buyer undertakes to comply with all the terms of the contract and not to:
Add another person’s account information in their place.
Impersonate someone else and use another user’s account.
Commit any offense, as the Buyer shall be solely responsible for their conduct when using the services provided.
Infringe any intellectual property rights or other rights of third parties. Software, images, texts, or more generally any information subject to intellectual property rights are and shall remain the exclusive property of the Seller or the Company. No transfer of intellectual property rights is carried out through these Terms and Conditions of Sale. Any partial or total reproduction, modification, or use of these assets is strictly prohibited.
Sell, resell, or commercially exploit the services offered by the Seller.
Copy, reproduce, distribute, or publicly display all or part of our services without our authorization.
Modify our services, remove property right notices, or create derivative works based on our services.
Use our services for purposes other than those intended, and in particular not interfere with, disrupt, damage, disable, overload, or impair the functioning of our services.
Circumvent content filtering techniques for content they are not authorized to access.
Use data mining tools, robots, or similar data collection or extraction methods designed to retrieve or extract data from our services.
Develop or use applications that interact with our services without our consent. Please note that if consent is given, it must be in writing via email.
Use our services for illegal or unauthorized purposes, or participate in, encourage, or promote any activity that violates these Terms of Sale.
Carry out transactions (manually or via another service connected by API) on the Binance/Kraken account linked to the Team-ETF software, as this may cause malfunctions in the application of the method (except when using a Binance Futures account, which allows separate management of transactions).
Article 8: Conclusion of the Contract
The Buyer must follow a series of steps provided by the Seller in order to conclude the contract.
The different steps are as follows:
Review the essential features of the Team-ETF offer and the operation of the trading method applied by the software.
Verify the order details and, where applicable, correct any errors.
Enter the personal information required for billing (first name, last name, postal address, etc.).
Select the offer corresponding to the invested capital.
The Buyer receives a confirmation by email as soon as the subscription has been completed.
Article 9: Duration
The Contract takes effect upon validation of the payment by the Buyer. It is not subject to a fixed term commitment. The Buyer may terminate their subscription at any time by sending a written request via email to the following address: contact@teametf.eu
Article 10: Consumer Rights
As a consumer, you have the right to withdraw from any contract concluded with us within 14 days without giving any reason, in accordance with the applicable legal provisions. To exercise this right, please contact us at contact@teametf.eu.
In addition to this statutory right of withdrawal, Team-ETF grants you a right of withdrawal for the entire period necessary for the proper functioning of the software. Once the software has been installed and is operational (after a period exceeding 14 days), the withdrawal period shall be considered expired.
In the event of a dispute, Team-ETF undertakes to cooperate with mediation and dispute resolution bodies in accordance with applicable laws.
Article 11: Access Conditions
The Buyer gains access to Team-ETF after completing onboarding steps:
Email verification
Profile setup and password creation
KYC
Exchange selection (Binance or Kraken)
Security setup (2FA, Google Authenticator, Anti-Phishing Code, withdrawal whitelist)
API key creation with whitelisted IPs
Capital funding and recurring purchase setup
Once the onboarding process is complete, the Buyer is automatically redirected to the member space.
In case of payment failure, access is not immediately suspended. Billing support will attempt recovery; failing this, rebalancing will be stopped.
In the event of any malfunction affecting access to the service, the Buyer has the right to notify us by email at contact@teametf.eu.
Article 12: Payment
Payment for the annual subscription is made automatically on the scheduled renewal date.
In the event of a payment error or failure, the Buyer will be contacted in order to regularize the situation. However, if the issue remains unresolved despite multiple reminders, the amount due in respect of fixed fees may be automatically debited from the Buyer’s exchange account.
The maximum period for regularizing a payment incident is set at three (3) reminders. Failing such regularization within this timeframe, the amount due will be directly debited from the Buyer’s connected exchange account (such as Binance or Kraken). Details of the debit will be available in the rebalancing summary.
Penalties
By accepting these General Terms and Conditions of Sale, the Buyer hereby grants Team-ETF an express and irrevocable authorization to debit, in the event of a failed payment, the amount due under the Buyer’s annual or monthly subscription directly from their exchange account.
In the event of non-payment or payment failure related to an annual subscription, the Client will be notified, and several reminders will be issued by the Company inviting the Client to regularize the situation.
If, within two (2) months from the date of the first reminder, payment of the annual subscription has still not been made, the Company reserves the right to automatically debit the Client’s exchange account for the total amount of the annual subscription due, plus a flat penalty fee of twenty (20) USDC.
This penalty is intended to cover administrative and management costs incurred due to the late payment and will be debited simultaneously with the annual subscription amount.
Limitation of Liability
In the event of an error by F-Corp EU OÜ or the Seller in the provision of services, the sole and exclusive liability of F-Corp EU OÜ shall be strictly limited to the reimbursement of performance fees (“fees on gains”) that have been charged.
The Buyer expressly acknowledges and agrees that no other compensation, indemnification, or refund shall be due, and that F-Corp EU OÜ shall not be held liable for any indirect, incidental, or consequential loss or damage, including, without limitation, loss of profits, market loss, or opportunity costs
Article 13: Disclaimer
The Buyer agrees to use our services at their own risk, unless otherwise expressly provided in writing by us.
The services, along with all content they contain, are provided “as is” and “as available.”
By using our services, including any content they contain, the Buyer acknowledges that we do not represent or warrant that our services or servers are free of viruses or other harmful components. The Buyer uses the services at their own risk and is responsible for taking the necessary precautions to protect themselves against potential damages caused by such components.
The Buyer assumes full responsibility for the quality and performance of the services. The Services are intended solely to assist you in the organization and decision-making regarding your crypto-asset portfolio and have a broad scope.
The Buyer acknowledges that cryptocurrency markets are extremely volatile and that values may fluctuate significantly in a short period of time. F-Corp EU OÜ or the Seller shall not be held liable for any financial losses incurred by the Buyer in the event of a market downturn or depreciation of cryptocurrencies. The Buyer fully accepts the risks associated with investing in digital assets, including the possibility of total or partial loss of their investment. The Buyer is advised to consult an independent financial advisor before making any investment decision.
Disclaimer Clause on the Market Exit Strategy
F-Corp EU OÜ or the Seller provides a market exit strategy designed to minimize potential losses in the event of a significant downturn in the crypto-asset market. However, the Buyer acknowledges and agrees that this strategy does not guarantee complete protection against losses and that results may vary depending on market conditions.
F-Corp EU OÜ or the Seller cannot be held liable for any financial losses that the Buyer may incur when using this strategy. Crypto-asset markets are inherently volatile, and even the best-designed strategies may not perform as expected in unpredictable or extreme market situations.
By accepting these General Terms and Conditions of Sale, the Buyer understands that investment decisions based on the market exit strategy are made at their own risk. F-Corp EU OÜ or the Seller disclaims any liability for losses, including, but not limited to, losses resulting from poor execution of the strategy, unexpected market crashes, or any other market event.
Therefore, before making final decisions or implementing the Team-ETF strategy, the Buyer is advised to consider obtaining additional information and advice from their accountant or other financial advisors who are fully aware of their personal circumstances.
Exchange platforms provide their services “as is” and “as available.” Team-ETF cannot guarantee the absence of errors or malfunctions on these platforms, nor can it ensure uninterrupted operation. Team-ETF disclaims all liability for any losses or lost profits resulting from malfunctions of platforms compatible with the strategy.
Article 14: Data Transfer and Processing
The Buyer agrees that, in the context of using the services provided by F-Corp EU OÜ or the Seller, certain personal and financial data may be collected, stored, processed, and transferred in accordance with the Company’s Privacy Policy. Such data may include, without limitation, identification information, transaction details, and account data.
F-Corp EU OÜ or the Seller undertakes to process this data in strict compliance with applicable data protection laws and regulations, including the General Data Protection Regulation (GDPR) for users based in the European Union.
The Buyer expressly consents to the transfer of their data to servers located outside their country of residence, including to countries that may not provide the same level of data protection as that in force in their own country. F-Corp EU OÜ or the Seller will take all reasonable measures to ensure the security and confidentiality of transferred data.
The Buyer acknowledges that the transfer of data is necessary for the performance of the services, including, but not limited to, crypto portfolio management, transaction monitoring, and performance analysis. By using the services of F-Corp EU OÜ, the Buyer accepts these conditions and understands that F-Corp EU OÜ cannot be held liable for any loss or damage resulting from unauthorized access to the Buyer’s data, except in cases of gross negligence or willful misconduct on the part of F-Corp EU OÜ.
Article 15: Termination of Services and Refund Policy
The Buyer may terminate the service or product at any time by submitting a written request to the Seller via email at contact@teametf.eu.
However, the Buyer remains liable for the full payment of all amounts due, including subscription fees and performance-based fees (“fees on gains”).
A final portfolio rebalancing will be carried out on the Buyer’s account in order to settle the amounts due and to allow Team-ETF to collect any performance fees generated between the last rebalancing and the Buyer’s termination date.
In the event that the final rebalancing cannot be performed, the Buyer shall be referred to a collection service to regularize the outstanding amounts.
The Seller reserves the right to immediately suspend access to the service in the event of repeated payment failures, notwithstanding prior reminders.
The Seller also reserves the right to immediately terminate the service in the event of any irregularities detected in the account’s operation.
It is hereby reminded that the use of the Team-ETF service requires a dedicated account; any transaction executed outside those initiated by the software shall automatically trigger an operational alert.
Termination of the service shall automatically result in the suspension and cessation of all services subscribed to by the Buyer.
It is the Buyer’s responsibility to submit a termination request prior to the subscription renewal date.
A termination request submitted within fifteen (15) days from the date of payment of the annual subscription may result in a refund, subject to the application of penalty fees, the amount of which depends on the chosen refund method.
After this fifteen (15) day period, no refund shall be granted, and the subscription payment shall be deemed firm, final, and non-refundable.
When the refund is processed through the same payment partner used for the initial transaction, a flat fee of fifteen euros (€15) shall apply.
When the refund is processed directly via the Company’s bank account, a flat fee of fifty euros (€50) shall apply.
These fees correspond to the processing, transaction, and administrative costs borne by the Company and/or its payment service providers in connection with the refund.
The Client acknowledges and agrees that the registration fees paid upon subscription to the Team-ETF service are non-refundable and permanently retained by the Company as of payment validation.
These fees cover the administrative, technical, and logistical services necessary for the creation, verification, configuration, and activation of the Client’s account on the Team-ETF platform.
Accordingly, and except as otherwise required by mandatory legal provisions, registration fees shall not be subject to any refund, whether total or partial, regardless of the reason invoked, including termination, cancellation, or non-use of the service by the Client.
The Client expressly acknowledges that the payment of such fees constitutes consideration for a service provided immediately upon validation of the registration, and that, consequently, no refund request shall be accepted.
The registration fees are due at the time the order is confirmed and are non-refundable, including in the event of cancellation by the client.
Article 16: Clause Relating to the Prepayment System
Purpose of the Prepayment
The prepayment system implemented by Team-ETF is intended exclusively to cover the fees applicable to the gains generated by the Client within the scope of the services provided.
Limited Use
The prepaid amount may under no circumstances be:
transferred as capital into the Team-ETF strategy or any other investment strategy;
used for any purpose other than the payment of performance fees (fees on gains);
converted, withdrawn, or reassigned outside this specific framework.
Refund in Case of Termination
In the event of termination of the contract or cessation of the commercial relationship, any unused prepaid balance shall be refunded to the Client.
Such refund shall be made to the Client’s exchange account, provided that the Client communicates to Team-ETF the address of their wallet.
Client’s Obligations
The Client undertakes to provide all necessary information for the proper processing of the refund, including the wallet address to which the funds are to be sent.
In the absence of complete and accurate information, Team-ETF shall not be held liable for any delay or inability to return the funds.
Payment and Conversion Conditions
The Client acknowledges and agrees that all payments made under a prepaid offer shall be processed in euros (EUR) through the Company’s authorized payment partner.
The Company receives only the net amount actually credited to its account, after deduction of processing fees of two point six percent (2.6%) applied by said payment partner.
The net amount received by the Company is then converted into USDC, based on the EUR/USDC exchange rate in effect on the date of the transaction, as applied by the conversion platform used by the Company.
The amount thus converted into USDC constitutes the credit effectively available in the Client’s account under the prepaid offer.
The Client acknowledges that the Company shall not be held liable for any fluctuations in the exchange rate, nor for any fees or deductions applied by third-party providers involved in the payment or conversion process.
The removal of the transfer API is an on-demand service, and its conditions depend on the subscribed plan:
Elite Plan: The transfer API can be removed free of charge upon the Client’s request.
Booster Plan: The transfer API can be removed upon the Client’s request subject to an annual fee of €100.
Starter Plan: The transfer API removal is not available under this plan. It can only be performed if the Client first upgrades to the Booster plan.
Requests for API removal must be submitted to support at contact@teametf.eu or during the client onboarding process.
Article 17: Team-ETF Junior Offer
1. (i) Definition of the Team-ETF Junior Offer
The Team-ETF Junior Offer is a dedicated investment solution allowing a Team-ETF account holder to set aside savings for the benefit of a child, grandchild, nephew, or niece, while applying the Team-ETF investment strategy.
This offer is separate from and independent of any similar offers provided by third parties, including the “Junior” offer from Binance Pro.
(ii) Sub-account limit (Binance restriction)
The number of authorized sub-accounts is determined by Binance:
Standard (non-VIP) users may create up to five (5) sub-accounts;
VIP accounts may benefit from a higher limit depending on their VIP level.
Before subscribing to multiple plans, users must verify their eligibility based on their Binance status. Any subscription exceeding this limit cannot be activated.
2. Price of the Junior Offer The Team-ETF Junior Offer is offered at a fixed price of €90. This price solely covers access to the Team-ETF strategy applied to the sub-account and does not constitute a deposit or a guarantee of performance. Team-ETF reserves the right to modify the terms, pricing, or features of the offer, subject to prior notice.
3. Operating terms
The offer is implemented through the creation of a sub-account linked to the holder’s main account.
Funds:
remain the exclusive property of the main account holder;
are held within the sub-account;
are not subject to any transfer of ownership to the designated beneficiary.
4. No automatic transfer of funds
Team-ETF is not a custodian of funds and cannot, under any circumstances, transfer funds to another wallet or account, including in the event of the holder’s death.
No automatic transfer mechanism is provided under the Team-ETF Junior Offer.
5. Death of the account holder
In the event of the holder’s death:
Team-ETF does not take part in any inheritance procedures;
the holder is solely responsible for putting in place the necessary legal arrangements (affidavit or equivalent);
the designated legal successor is free to decide whether to continue the Team-ETF strategy applied to the sub-account.
6. Continuation of the strategy by the successor
If the successor chooses to continue the strategy:
they must subscribe to the applicable Team-ETF and Team-ETF Junior offers;
the subscription will be billed according to the current terms and pricing of the Starter, Booster, or Elite offers, plus an additional €90 for the Team-ETF Junior Offer;
no free continuation or automatic maintenance of the Junior Offer will apply.
7. Limitation of liability
Team-ETF shall not be held liable for:
decisions made by the holder or the successor;
the absence or inadequacy of estate planning arrangements;
any loss or consequence resulting from the interruption or continuation of the strategy after the holder’s death.
8. Identity verification and data protection
As part of the subscription process, the holder agrees to provide documentation identifying the beneficiary (such as an ID, family record book, or equivalent official document).
Personal data collected is used solely for compliance, identity verification, and management of the offer, in accordance with applicable data protection regulations, including GDPR.
Such data is retained only for as long as necessary and is not sold or used for commercial purposes without prior consent.
If required documents are not provided or are non-compliant, Team-ETF reserves the right to suspend or refuse activation of the offer.
9. Beneficiary age
The offer is strictly reserved for minors aged between one (1) month and seventeen (17) years inclusive at the time of subscription.
The holder guarantees the accuracy of the information provided. Any non-compliance may result in refusal or termination of the offer.
10. Withdrawal of funds
As the sub-account is linked to the main account, the holder remains the sole owner and retains full control over the funds.
The holder may withdraw all or part of the funds at any time, without obligation to transfer or compensate the beneficiary, who has no legal claim over the funds.
11. Termination
The offer may be terminated at any time, without refund of subscription fees.
12. Taxation
The holder is solely responsible for any tax obligations related to the funds and any potential gains.
Article 18: Privacy Policy
All information collected shall remain strictly confidential.
The Buyer has the right to request access to the personal data collected, as well as its rectification, deletion, or restriction of processing.
Any such request must be submitted via email to the following address: contact@teametf.eu.
Article 19: Miscellaneous
These General Terms and Conditions of Sale (GTC) constitute the entire agreement between the Buyer and the Seller.
The Buyer agrees that all communications and transactions between the parties may be conducted electronically.
The Company shall not be held liable for any failure or delay in the performance of any service, or for any loss or damage suffered by the Buyer, resulting from circumstances or events beyond its control, including, but not limited to, exceptional weather conditions, earthquakes, acts of God, fire, war, insurrection, riot, labor disputes, accidents, governmental actions, communication failures, power outages, or equipment or software malfunctions.
Furthermore, F-Corp EU OÜ shall not be regarded as a financial advisory institution and does not provide financial or investment advice under any circumstances.
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