Terms and conditions

These terms govern the use of Start Global (the app and this website), operated by EbizBoost LLC, a New Mexico, United States company ("we"). By creating your account you accept them. If you do not agree, do not use the service. TODO lawyer confirm the operator's legal name, address and registration number. The Spanish version prevails in case of discrepancy unless the law of your country says otherwise.

1. What Start Global is

Start Global is a technology platform that lets you open and operate, from one app, dollar and euro accounts in your name, a stablecoin wallet (USDC and USDT), currency conversions and transfers to bank accounts and wallets. When available in your country, you will also be able to access local-currency services and a card.

Start Global is not a bank or a financial institution, and does not hold your funds.

2. Who provides each service

• Dollar and euro accounts, the stablecoin wallet, conversions and transfers are provided by Bridge (Bridge Technologies, Inc. and its affiliates, a Stripe company), under its own terms, which you accept during sign-up.
• Dollar accounts are issued by Lead Bank, Member FDIC. TODO lawyer confirm wording on FDIC (pass-through) coverage and that stablecoins are not covered.
• Local-currency services (for example, Argentine pesos) will be provided by regulated partners in each country, under their own terms, which we will show you before activation.

If these terms conflict with a regulated partner's terms about the service that partner provides, the partner's terms prevail.

3. Who can use Start Global

People over 18 with legal capacity, and duly incorporated companies (for example, a US LLC) represented by an authorised person, who complete identity verification and live in a country where the service is available. We may refuse, limit or close accounts for regulatory, risk or security reasons, without explaining why where the law does not allow it.

4. Identity verification

To open and keep your account we will ask for personal details, documents and, in some cases, information about the source of your funds. Our regulated partners review them. You must give us true information and keep it up to date.

5. Your account and your security

• You are responsible for your password, your second authentication factor and your devices. Do not share them with anyone.
• We will never ask for your password or a code by email, WhatsApp, social media or phone.
• New devices must be approved before operating, and new destinations have a security waiting period before the first transfer.
• You can freeze your account from the app at any time.
• If you suspect someone accessed your account, freeze it and tell us right away from the app.

6. Operations

Before you confirm each operation we show you the amount, the fee and, where applicable, the rate. Once executed, transfers are irreversible. Check the destination, network and amount before confirming: sending to a wrong address or network may mean losing the funds. Settlement times depend on banking networks and blockchains we do not control.

We may delay, hold or reject an operation when the law requires it or we detect it as risky. We will let you know in the app where the law allows.

7. Fees

Current fees are shown in the app and on each operation before you confirm it. If we change them, we will give you reasonable advance notice. TODO define notice period.

8. Permitted use

You may not use Start Global for illegal activities, to act on behalf of third parties without disclosing it, to evade controls by our partners or the authorities, or in any way that harms other users or the service. We may suspend or close the account if we detect misuse and report to the authorities when the law requires it.

9. Communications

We send you account notices by email and in the app. Those notices never include sign-in links or ask for your details. You can turn off marketing messages at any time.

10. Availability and liability

We work to keep the service always available, but there may be interruptions due to maintenance, third parties or other causes. To the extent allowed by applicable law, we are not liable for delays or failures of banking networks, blockchains or external providers, nor for indirect damages. TODO lawyer define liability limits.

11. Closing your account

You can close your account at any time from the app, ideally after withdrawing your balance. We may also close it with prior notice, unless the law requires us to do so immediately. If there is a balance left, we will tell you how to recover it.

12. Changes to these terms

If we change these terms we will notify you in the app and by email before they take effect. If you keep using the service after that date, you accept the changes.

13. Governing law

These terms are governed by the laws of the State of New Mexico, United States, without prejudice to the rights granted to you by the law of your country of residence. TODO lawyer confirm jurisdiction and dispute resolution.

14. Contact

From the app under More → Support, or by email at hola@startglobalapp.com. TODO confirm official mailbox.