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Terms of Service

Last updated: 21 August 2026

Local Bridge Inc.

1. Preamble

These Terms of Service ("Terms") govern your use of the fiat-to-crypto on/off-ramp services (the "Services") provided by Local Bridge Inc. ("Local Bridge," "we," "us," or "our"). By accessing or using the Services, you agree to be bound by these Terms.

2. Nature of Services

Local Bridge Inc. provides a platform that enables clients to convert fiat currency to stablecoins (e.g., USDC) and vice versa, as well as to store and transact with stablecoins. The Services are available to business clients and to individual clients on separate plans, with different eligibility criteria, fees, and service limits. Additional terms applicable to individual clients are set out in Section 13. Local Bridge Inc. is not a bank, financial institution, or regulated entity and does not provide banking, or regulated financial services.

Local Bridge Inc. may provide eligible clients with access to custodial wallets that are opened, held, and managed by our regulated partner, Bridge Ventures LLC, Bridge Building Inc, Bridge Building S.A, Bridge Building Limited, Bridge Building Sp. Z.o.o, (Collectively "Bridge"), which acts as custodian of the crypto-assets held in those wallets. Local Bridge Inc. acts solely as a technical intermediary facilitating access to Bridge's services; Local Bridge Inc. does not open, hold, control, or take custody of any client crypto-assets or funds at any time. Custodial wallets are made available to eligible clients in the jurisdictions Local Bridge Inc. serves, except that custodial wallets are not currently available to clients resident in the European Economic Area (EEA). This exclusion applies irrespective of Bridge's regulatory status, and may be changed by Local Bridge Inc. at its discretion upon notice. Access to and use of custodial wallets is further subject to Bridge's own terms, policies, and eligibility criteria.

3. Third-Party Services

Conversions and wallet services are handled by Bridge Ventures LLC, Bridge Building Inc, Bridge Building S.A, Bridge Building Limited, Bridge Building Sp. Z.o.o, (Collectively "Bridge") pursuant to its User Terms and Privacy Policy, available at www.bridge.xyz/legal. These services include opening and managing virtual bank accounts and wallets for digital currencies, including custodial ones.

Custody of crypto-assets and related crypto-asset services are provided by our regulated partner, Bridge, which complies with the requirements applicable to a Crypto-Asset Service Provider (CASP) under Regulation (EU) 2023/1114 ("MiCA"). The MiCA framework applicable to such services takes effect on 1 July 2026. Notwithstanding Bridge's MiCA compliance, Local Bridge Inc. does not currently make custodial wallets or related crypto-asset services available to clients resident in the EEA. Enablement of such services for EEA clients, if any, will occur at Local Bridge Inc.'s discretion and subject to separate notice. Your use of Bridge's services is additionally governed by Bridge's own terms and policies, incorporated herein by reference.

4. Client Responsibilities

You represent and warrant that you are authorized to use the Services and to comply with applicable laws, and that all funds used in transactions are lawfully owned and not derived from illegal activities. If you use the Services as a business client, you further represent and warrant that you are a duly registered business entity, that the person accepting these Terms is authorized to bind that entity, and that the account is used only for that entity's own purposes. If you use the Services as an individual client, you further represent and warrant that you are a natural person of at least 18 years of age (or the age of majority in your jurisdiction of residence, if higher), that you act on your own behalf and not on behalf of any other person, and that you will not use an individual account for the purposes of a business — see Section 13. You are responsible for providing information required by Bridge or financial institutions for KYC/AML purposes, for securing your access credentials, and for notifying Local Bridge Inc. immediately of any unauthorized access.

Access to your account and the authorization of certain transactions are protected by Strong Customer Authentication, requiring you to verify your identity using at least two independent factors from the categories of knowledge (something you know), possession (something you have), and inherence (something you are). You agree to enrol in and maintain the SCA methods we require, to keep your authentication credentials and devices secure and confidential, and to notify Local Bridge Inc. immediately of any loss, theft, or unauthorized use. We may decline, suspend, or delay any transaction or access that does not satisfy SCA, and may update our authentication requirements from time to time to maintain security and regulatory compliance.

5. Transaction Process

Transactions are irrevocable once initiated for on-ramp conversions. Fees for the Services are set out either in an agreement between you and Local Bridge Inc. or in the fee schedule published on our website and presented to you before you confirm a transaction, as applicable to your plan. Where a published fee schedule applies, we will display the applicable fees, and any applicable exchange rate and per-transaction minimum, before you confirm the transaction. We may change a published fee schedule on notice in accordance with Section 12 and, for individual clients, Section 13.

6. Risk Disclosures

You acknowledge the risks associated with stablecoins and crypto-asset transactions, including price volatility and technological, regulatory, and counterparty risks. Local Bridge Inc. and third-party service providers are not liable for losses arising from these risks or third-party actions. Where you use a custodial wallet, your crypto-assets are held by Bridge as custodian, and you bear the credit and insolvency risk of Bridge in respect of those assets. Custodial wallets are not currently available to clients resident in the EEA. Loss of, or failure to complete, Strong Customer Authentication may delay or prevent access to your account or transactions.

7. Data Sharing

Local Bridge Inc. may share your data (e.g., transaction details, KYC information) with third-party service providers and financial institutions to provide the Services and to comply with legal obligations.

Where required under applicable laws and regulations (including, among others, "travel rule" obligations such as Regulation (EU) 2023/1113 and equivalent requirements in other jurisdictions), Local Bridge Inc., our regulated partner Bridge, and other involved service providers will collect, transmit, and receive identifying information about the originator (source) and the beneficiary (recipient) of crypto-asset transfers. This applies to all transfers to which such requirements relate, whenever the conditions established by the applicable rules and laws are met — including any applicable transaction-value thresholds and counterparty conditions. The availability or non-availability of any particular service or product to clients in a given jurisdiction (including the non-availability of custodial wallets to clients resident in the EEA) does not limit or remove these obligations.

By using the Services, you agree to provide, and authorise the collection, transmission, and receipt of, such information as is required to satisfy these obligations. This information may include, in respect of the originator: full name; residential address (street, city, state/region, postal code, country); identification details (type, number, and issuing country); date of birth; place of birth (city and country); wallet type; and the timestamp of wallet-ownership attestation; and in respect of the beneficiary: an indication of whether the wallet is self-hosted/self-owned, and the wallet type. Where a counterparty wallet is held by another Crypto-Asset Service Provider, that provider may transmit the required travel-rule data directly to Bridge. Such information is shared only with regulated counterparties and competent authorities, and solely to the extent necessary to comply with these legal obligations.

To protect the Services and our clients against fraud and abuse, Local Bridge Inc. and its service providers may collect and analyse technical information about the device and network connection you use when you apply or register for, or use, the Services, and may share such information with specialised fraud prevention providers acting on our behalf. The categories of data involved, the purposes of the processing, the applicable retention periods, and your related rights are described in our Privacy Notice.

8. Limitation of Liability

To the maximum extent permitted by law, Local Bridge Inc. shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Services.

Nothing in these Terms excludes or limits our liability for fraud, fraudulent misrepresentation, death or personal injury caused by our negligence, or any other liability that cannot be excluded or limited under applicable law. If you are an individual client and the mandatory consumer protection law of your country of residence grants you rights that cannot be waived or limited by contract, this Section 8 applies only to the extent permitted by that law, and those rights are unaffected.

9. Suspension and Termination

9.1 General. Local Bridge Inc. may suspend, restrict, or terminate your access to the Services, in whole or in part, for reasons including (but not limited to) your violation of these Terms or of the terms of any third-party service provider (including Bridge).

9.2 Suspension for compliance and risk reasons. Without limiting the foregoing, we may suspend or restrict your access to, or use of, the Services (including declining, delaying, or holding transactions) where we reasonably determine or suspect that:

  • (a) any information, representation, or supporting document you have provided (including for KYC/AML or verification purposes) is inaccurate, incomplete, outdated, false, or of doubtful authenticity;
  • (b) your transactional activity is unusual, suspicious, or inconsistent with your stated business or, for individual clients, with the purpose and expected activity you declared for your account, or otherwise indicates potential fraud, money laundering, terrorist financing, sanctions evasion, or other unlawful or abusive activity;
  • (c) you are, or may be, in breach of the representations and warranties in Section 4, or are engaged in any prohibited or undisclosed high-risk activity described in our Legal disclosures;
  • (d) suspension is necessary for us, Bridge, or any other service provider or financial institution to comply with applicable laws, regulations, internal risk or compliance policies, or the request or direction of a competent authority; or
  • (e) suspension is necessary to protect the security or integrity of the Services or the legitimate interests of Local Bridge Inc., our service providers, or other clients.

9.3 Investigations. We may suspend or restrict your access for such period as is reasonably necessary to conduct or conclude any review, verification, or investigation, and may require you to provide additional information or documentation before access is restored.

9.4 Effect on your assets. Local Bridge Inc. does not hold, control, or take custody of your funds or crypto-assets at any time (see Sections 2 and 6). Suspension, restriction, or termination of your access to the Services does not, of itself, freeze, seize, or otherwise affect any crypto-assets held by Bridge as custodian, which remain subject to Bridge's own terms and policies. Transactions already initiated are irrevocable in accordance with Section 5 and will not be reversed by reason of suspension or termination.

9.5 Notice. We will provide notice of a suspension, restriction, or termination where reasonably practicable. However, we may act without prior notice where we consider it necessary — including where prior notice is not permitted by law, would prejudice an investigation, or would create a security or compliance risk. Nothing in these Terms requires us to disclose the existence or content of any suspicious-activity or regulatory report.

9.6 Review and reinstatement. If your access has been suspended or restricted, you may contact us at business@localbridge.com to request a review, including a human review of any decision reached solely by automated means. We may reinstate your access where you provide information or documentation that resolves the relevant concern to our reasonable satisfaction.

9.7 No liability. To the maximum extent permitted by law, and consistent with Section 8, Local Bridge Inc. shall not be liable for any loss or damage arising from any suspension, restriction, or termination made in accordance with this Section 9.

10. Governing Law

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict of law principles. Disputes shall be resolved in the courts of the State of Delaware, USA.

If you are an individual client, nothing in this Section 10 deprives you of the protection of any mandatory provision of the law of your country of residence, and nothing in this Section 10 deprives you of any right you may have under that law to bring proceedings in, or to have proceedings brought against you only in, the courts of your country of residence.

11. Contact Information

Local Bridge Inc., 1111B S Governors Avenue, STE 28660, Dover, DE 19904, US. Email: business@localbridge.com.

12. Amendments

Local Bridge Inc. may amend these Terms from time to time. Continued use of the Services constitutes acceptance of the amended Terms. These Terms were last updated on 21 August 2026 to describe, in Section 7, the collection and analysis of device and connection information for fraud prevention purposes, as further detailed in our Privacy Notice. The changes introduced on 21 July 2026 relating to custodial wallets, our MiCA-compliant regulated partner, travel-rule data collection, Strong Customer Authentication, the broadened suspension and termination rights in Section 9, the availability of the Services to individual clients, and the additional terms for individual clients in Section 13 are material; your continued use of the Services on or after 21 July 2026 constitutes acceptance of these amended Terms.

For individual clients, the notice and acceptance mechanism in Section 13.7 applies to material amendments in place of the continued-use mechanism described above.

13. Additional Terms for Individual Clients

13.1 Application and precedence. This Section 13 applies to you if you use the Services as an individual client (a natural person, on the Individual plan) rather than as a business client. Where any provision of this Section 13 conflicts with any other provision of these Terms, this Section 13 prevails in respect of individual clients. All other provisions of these Terms continue to apply to you.

13.2 Account type. The account type you select at registration — business or individual — is part of your agreement with us and cannot be changed by editing your profile. An individual account may not be used for the purposes of a business, including receiving payments due to a business you own or control. If your use changes, you must apply for a business account; we may require you to do so as a condition of continued access, and Section 9 applies if you do not.

13.3 Fees. Fees for the Individual plan are those set out in the fee schedule published on our website, and are presented to you, together with any applicable exchange rate and per-transaction minimum, before you confirm each transaction. We may amend the published fee schedule in accordance with Section 13.7.

13.4 Service limits. Individual accounts are subject to limits on transaction volume, payout timing, and permitted payout destinations, which vary according to the account's standing and history with us. The limits applicable to your account are shown in your account interface. We may vary these limits in accordance with our risk and compliance policies; where a variation reduces the limits applicable to you and is not made under Section 9, we will notify you before it takes effect, and Section 13.5 applies to any such decision reached solely by automated means.

13.5 Automated decisions and human review. Some decisions about your eligibility, your access to the Services, and the limits applicable to your account may be reached solely by automated means, without human involvement. Where such a decision produces a legal effect for you or otherwise significantly affects you — including a refusal of registration, a suspension or restriction under Section 9, or a reduction of the limits applicable to your account — you have the right to obtain human intervention, to express your point of view, and to contest the decision. To exercise that right, contact us at business@localbridge.com. We will acknowledge your request without undue delay and will have a person who was not involved in the automated decision review it. This Section 13.5 supplements, and does not limit, the review right in Section 9.6 and the rights described in our Privacy Notice.

13.6 Mandatory consumer protection. If the mandatory consumer protection law of your country of residence applies to your use of the Services, that law prevails over any provision of these Terms to the extent of any inconsistency, and nothing in these Terms is intended to exclude, restrict, or modify any right or remedy you have under it that cannot be excluded, restricted, or modified by agreement. This applies in particular to Sections 8 and 10.

13.7 Amendments and closure. We will give you at least 30 days' notice, by email to the address registered on your account, before any amendment to these Terms or to the published fee schedule that is materially adverse to you takes effect. You may close your account at any time before the amendment takes effect, at no charge and without giving a reason, in which case the amendment will not apply to you; Section 9.4 continues to apply to transactions already initiated and to crypto-assets held by Bridge as custodian. We may make an amendment with immediate effect where it is required by law or by a competent authority, is necessary to address a security or fraud risk, or is favourable to you or neutral in effect.