Terms of service
This is template text. Replace it with your own and have it reviewed by a lawyer.
Last updated [Date]
About these terms
These terms are the agreement between you and Remiga LLC, 300 Delaware Avenue, Suite 1400, Wilmington, DE 19801, USA. They apply when you use the Remiga app, a Remiga card, Remiga Business and this website. Remiga LLC is registered with FinCEN as a Money Services Business, registration no. [00000000000]. Money transmission services are provided where licensed, see [Licenses].
Your account
You must be at least 18 years old and live in a state or country where we offer Remiga. You give us correct information and keep it up to date.
Your wallet
Your wallet is self-custody. The keys are created and stored on your device, and only you can authorize payments from it. You are responsible for keeping your recovery words safe. We cannot restore a wallet if you lose both your device and your recovery words.
Cards and card balance
The app is free. Remiga Gold, Platinum and Black cards have a fixed monthly price in bitcoin, charged from your card balance. Bitcoin on your card balance is held by us on your behalf and kept separate from our own funds. You can move it back to your wallet or cancel your card at any time.
Payments
A confirmed bitcoin payment cannot be reversed by us. Check the amount and the recipient before you confirm. We charge no fees on payments. Network fees go to the Bitcoin network and are shown in BTC before you send.
Prices
All prices are listed on our pricing page. We tell you about changes at least [number] days before they apply.
Remiga Business
Merchants agree to additional terms for Remiga Business, which cover dollar payouts, conversion and statements. [Link to business terms.]
What we are not responsible for
We are not responsible for the value of bitcoin, for losses caused by sharing your recovery words or device access, or for the goods and services you buy from merchants. Nothing here limits our liability beyond what the law allows.
Complaints
If you are not happy with us, write to support@remiga.app or use the complaint form in the app. Complaints are free of charge. We confirm receipt within [number] business days and give you a full answer within [number] days. You may also contact the financial regulator in your state, see [Licenses].
Disputes
[Describe how disputes are resolved. Have a lawyer write this section.]
Closing your account
You can close your account at any time in the app. Your wallet stays yours and keeps working with your recovery words in any compatible wallet app. We can close your account with [number] days notice, or at once in cases of fraud.
Governing law
These terms are governed by the laws of the State of Delaware, without regard to its conflict of law rules. [Venue and jurisdiction.]