BITCOIN KEY JUNCTION Comprehensive Service Terms and Conditions
Last updated: December 1st, 2025
THIS IS AN IMPORTANT DOCUMENT. PLEASE READ IT CAREFULLY.
These terms and conditions ("Terms") contain important information which applies to your dealings with us in relation to your Account with us and the Services (each as defined in this document).
You should read these Terms carefully. Further additional terms and conditions may apply in relation to specific Services offered by us. Any such terms and conditions are additional to the terms set out in these Terms. You should not construe these or any other statements in these Terms as legal, tax or financial advice. We are not acting as your financial adviser and you must not regard us as acting in that capacity. You should consult your own independent professional advisers before entering into any transaction and only enter into a transaction if you have fully understood its nature, the contractual relationship into which you are entering and all relevant terms and conditions.
General Terms and Conditions
These Terms and Conditions (the “Agreement”）, as amended, supplemented or modified from time to time) between you, whether personally or on behalf of an entity (the “User”, “you” or “your”) and BKJ Technology Limited, (“Company”, “BKJ” “we”, “us” or “our”). By accessing, using or clicking “I agree” to any of the services (the “Services”) made available by us or one of our affiliates and subsidiaries (together with us, the “Service Providers”) through our website, mobile application software, application programming interfaces and any associated websites (together the “Platform” or “Site”) or through the authorized staff of the Service Providers, you acknowledge that you have read, understood and hereby accept to all of the terms and conditions contained in these Legal Terms, and you also have read, understood, and hereby accept the privacy policies adopted by us from time to time which is available on our Platform (the “Privacy Policy”), which form part of these Legal Terms. We may act as your agent to facilitate your subscription of certain payment services (the “Services”) presented on our Platform, which are provided by third-party Service providers (the “Service Providers”). All Products on our Platform shall be subject to these Legal Terms as well as the agreements, terms and conditions set by the Service Providers (the “Service Provider Terms”), if applicable. You may be subject to additional terms and conditions applicable to such services and products.
1. Introduction
The Account and the related Services are provided to you by BKJ Technology Limited, a private company limited by shares incorporated in Hong Kong with company number 78403783, having its registered office at Room. 1801, Easey Comm. Bldg., 253-261 Hennessy Road, Wan Chai, Hong Kong.
2. The Scope
This Agreement governs your business relationship with BKJ. By signing up to use a user account through the Site, you confirm that you have read, understood, and accepted all of the terms and conditions in this Agreement. The Agreement applies to all user accounts you open to access the Services.
3. The Services
3.1 The services provided to users encompass a range of financial activities, including but not limited to:
BKJ Card ("Card Issuance Services")
Crypto Ramp ( "off-ramp")
3.2 The Group reserves the right to update, modify, suspend, disable, or restrict access to, or discontinue the Services, or any features, components, or content thereof at any time, for any reason, without notice or liability to the user. There is no guarantee that specific services, features, components, or content will always be available.
3.3 The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.
4. Access to the Services
To access any services, you must:
be legally capable of entering into contracts, and
reside in a country where the Services are available.
You may only open a user account and use the Services on your own behalf.
BKJ and any third party it appoints reserve the right to offer or deny access to the Services or open a user account at their discretion.
5. Registration Process
5.1 To access the Services, you must register for a user account through the Site and accept this Agreement. As part of registration, you must provide the required information to verify your identity in accordance with applicable anti-money laundering laws and BKJ’s requirements.
5.2 You confirm that all information provided is accurate, complete, and correct, and you agree to keep this information updated.
5.3 You authorise BKJ to make enquiries, whether directly or indirectly through third parties that BKJ considers necessary to verify your identity or protect your and/or BKJ's interests, and to take action BKJ reasonably deems necessary based on the results of such inquiries. When BKJ carries out these enquiries, you acknowledge and agree that your personal information may be disclosed to third parties.Failure to provide information that BKJ requests from you may be grounds for the suspension of the provision of Services (including access to your user account) and/or the termination of this Agreement.
5.4 BKJ has the sole discretion as to the opening, operation and closure of the Account (and where applicable, Custodian Account(s). Any Account (and where applicable, Custodian Account(s)) is established and maintained by us for the sole purpose of providing the Services. In no circumstances should any Account be interpreted as a banking service, or a stored value facility, of any kind
5.5 By signing up for the Account (and where applicable, Custodian Account(s)) for the use of the Services, you represent and warrant that
(a) you understand that the promotion and/or distribution of the Services in different jurisdictions may require different licenses required by the local regulations, and that you confirm you are accessing and registering for the same on your own initiative without active promotion and/or solicitation from the Group, any of its group companies and/or any of its affiliated, associated or connected persons;
(b) you are an approved user of the Services who has completed the registration process and received an approval email from us;
(c) you have attained the minimum age required under all relevant Applicable Laws for using the Services and the other services provided under these Terms;
(d) you have the full right, power, and authority to agree to these Terms;
(e) you are the authorised user of the Enabled Device
(f) You agree to cooperate with all requests made by us or any of our third-party service providers on our behalf in connection with your use of the Services, including identifying or authenticating your identity or validating your funding sources or transactions. This may include, without limiting the generality of the foregoing, requiring further information and/or documents that will allow us to reasonably identify you, including requiring you to take steps to confirm ownership of your phone number or payment instruments or verifying your information against third-party databases or through other sources.
(g) We are entitled, in our sole discretion, to refuse your application for or to suspend, terminate or limit your use of the Services, and/or to change the eligibility criteria for registration at any time.
6.The APP
The functions of the App, which may change from time to time without notice to you at BKJ’s sole discretion, allow you to perform one or more of the following actions (as applicable), including but not limited to:
Request the issuance of BKJ Cards;
Change the settings associated with your BKJ Cards, e.g. setting and changing your BKJ Card PIN number;
View the Transaction History by month
Request for the Services to be disabled, enabled or blocked
You acknowledge and agree that your use of your Account and the Services is at all times subject to your compliance with these Terms and all other applicable terms
Without prejudice to the foregoing and any other terms in these Terms, you shall be solely responsible and liable for any access to and use of the App and Services through your Enabled Device, notwithstanding that such access may have been effected without your knowledge, authority or consent. The Group shall not be liable to you for any loss or damage resulting from such use.
7. Services Fees
7.1 You agree and undertake to pay us or Service Providers (as applicable) the fees as set forth on our Platform for the Services you use. For both parties’ convenience, the above-mentioned fees shall be automatically deducted by the us or Product Providers (as applicable) from your account(s) held with us or Product Providers.
7.2 Without limiting any rights we may have under applicable law, we may, in our discretion, with or without prior notice to you, set off any of your liability to us against any of our liability to you, whether such liability is present, future, liquidated or unliquidated, denominated in fiat currency or crypto currency. If the liabilities to be set off are expressed in different currencies or different crypto assets, we may convert either liability at a market rate of exchange for the purpose of the set off and we shall not be held responsible for any shortfall caused by conversion rates or transaction fees. If any obligation is unliquidated or unascertained, we may set off as provided herein an amount estimated by it in good faith to be the amount of that obligation.
7.3 All fees paid shall be non-refundable.
8. Restriction of Services
BKJ may adjust, restrict, suspend or refuse the use of and provision of all or part of the Services or cancel the user account with immediate effect if BKJ concludes that this is necessary to comply with domestic or foreign legal, official, or regulatory provisions or orders (such as sanctions or embargoes), or based on its risk internal assessment.
9. Terms and Termination
These Legal Terms shall remain in full force and effect while you use the Services. Without limiting any other provision of these Legal Terms, we reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the services (including blocking certain IP addresses), to any person for any reason or for no reason, including without limitation for breach of any representation, warranty, or covenant contained in these Legal Terms or of any applicable law or regulation. We may terminate your use or participation in the services or delete any content or information that you posted at any time, without warning, in our sole discretion.
If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress
10. Governing Law
Except as otherwise specifically provided in this agreement, this agreement shall be governed by and construed in accordance with the laws of Hong Kong SAR, without giving effect to the rules, principles, or laws regarding conflicts of law thereof.
11. Dispute Resolution
Any dispute, controversy, difference or claim arising out of or relating to this agreement, including the existence, validity, interpretation, performance, breach or termination thereof or any dispute regarding non-contractual obligations arising out of or relating to it shall be referred to and solely, exclusively and finally resolved by arbitration administered by the Hong Kong International Arbitration Center ("HKIAC") under the HKIAC Administered Arbitration Rules in force when the notice of arbitration is submitted.
The law of this arbitration clause shall be Hong Kong law. The seat of arbitration shall be Hong Kong. The number of arbitrators shall be one. The arbitration proceedings shall be conducted in English.
Arbitration hereunder may proceed notwithstanding that any party fails to participate in accordance with the HKIAC Administered Arbitration Rules, provided that proper notice of such arbitration has been given to such party, and the final award of the arbitral tribunal shall be binding on such party notwithstanding its failure to participate. The arbitral award is final and binding upon both parties.
12. Amendments to the Agreement
There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.
13. Disclaimer
The services are provided on an "as-is" and "as-available" basis. You agree that your use of the services will be at your sole risk. To the fullest extent permitted by law, we disclaim all warranties, express or implied, in connection with the services and your use thereof, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We make no warranties or representations about the accuracy or completeness of the services' content or the content of any websites or mobile applications linked to the services, and we will assume no liability or responsibility for any:
1. Errors, mistakes, or inaccuracies of content and materials;
2. Personal injury or property damage of any nature whatsoever resulting from your access to and use of the services;
3. Unauthorized access to or use of our secure servers and/or any and all personal information and/or financial information stored therein;
4. Interruption or cessation of transmission to or from the services;
5. Bugs, viruses, Trojan horses, or similar harmful components that may be transmitted to or through the services by any third party;
6. Errors or omissions in any content and materials, or for any loss or damage of any kind incurred as a result of the use of any content posted, transmitted, or otherwise made available via the services.
We do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the services, any hyperlinked website, or any website or mobile application featured in any banner or other advertising. We will not be a party to, or in any way responsible for monitoring, any transaction between you and any third-party providers of products or services. As with the purchase of a product or service through any medium or in any environment, you should use your best judgment and exercise caution where appropriate.
14. Limitation of Liability
In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the services, even if we have been advised of the possibility of such damages.
Notwithstanding anything to the contrary contained herein, our liability to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to the lesser of the amount paid, if any, by you to us.
15. Indemnification
You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of:
(2) breach of these Legal Terms;
(3) any breach of your representations and warranties set forth in these Legal Terms;
(4) your violation of the rights of a third party, including but not limited to intellectual property rights;
(5) any overt harmful act toward any other user of the Services with whom you connected via the Services.
Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.
16. Compliance with Tax Regulations and other provisions
You are responsible for complying with the tax regulations and other legal and regulatory provisions applicable to you in connection with the business relationship with BKJ and shall provide BKJ with relevant documentation upon request (e.g., official certifications and translations into a local language).