Terms of Service

1. About GSF and These Terms

Global Server Forensic Digital eWallet ("GSF", "we", "us") is operated by SkyNet Dynamics S.A. and Al Barakha Horizon Sdn Bhd, headquartered in Malaysia. These Terms of Service ("Terms") govern your access to and use of the GSF platform, including the website at gsf-digitalbank.com, mobile applications, API services, and all related financial services.

These Terms incorporate by reference our Privacy Policy and any additional product-specific terms disclosed at the time of service enrollment.

2. Eligibility

• You must be at least 18 years of age to use GSF services.
• You must not be a resident of a country subject to OFAC, UN, EU, or Malaysian sanctions.
• You must be legally capable of entering into a binding contract under applicable law.
• Corporate accounts require an authorised representative with appropriate signing authority.
• GSF reserves the right to decline or terminate service at its sole discretion.

3. Account Registration and KYC

To access GSF services you must complete the registration process and pass our Know Your Customer (KYC) verification. You agree to:

• Provide accurate, complete, and current information at all times
• Maintain and promptly update your account information when it changes
• Submit identity documents and biometric verification as requested
• Keep your login credentials and two-factor authentication devices secure
• Immediately notify GSF of any unauthorised access or security breach

You are responsible for all activity that occurs under your account, whether or not authorised by you.

4. Permitted Use

You may use GSF services only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Use GSF for money laundering, terrorist financing, fraud, or any other illegal activity
• Conduct transactions that violate applicable AML/CFT laws or economic sanctions
• Attempt to circumvent transaction limits, security controls, or compliance checks
• Reverse engineer, scrape, or otherwise exploit the GSF platform or API
• Impersonate another person or entity, or misrepresent your identity
• Introduce malware, viruses, or other harmful code into our systems
• Use our services in a manner that could damage, disable, or overburden our infrastructure

5. Financial Services and Transactions

5.1 Payments and Transfers

GSF processes payments and transfers subject to applicable limits, compliance checks, and processing times. Transactions are subject to review and may be delayed, held, or rejected if they trigger AML/CFT controls or are flagged for suspicious activity.

5.2 Transaction Finality

Completed transactions are generally final. If you believe a transaction is unauthorised or erroneous, you must notify us within 30 days. GSF will investigate disputes and, where appropriate, initiate a reversal or refund in accordance with applicable regulations.

5.3 Fees

Applicable fees are disclosed in your account dashboard and our published fee schedule. Fees may be updated with 30 days' notice. By proceeding with a transaction, you consent to the applicable fees being deducted from your account.

5.4 Currency Conversion

Currency conversions use live interbank rates with a spread disclosed at the time of conversion. Rates are indicative and subject to market fluctuation at the time of settlement.

6. GDT Digital Token

The GDT (Global Digital Token) is a TRC-20 utility token issued by SkyNet Dynamics S.A. on the TRON blockchain. Acquisition and use of GDT is subject to additional token terms available at gsf-digitalbank.com/token. GDT is a utility token and not a security or investment product. Past performance is not indicative of future results. Cryptocurrency markets are volatile; you may lose some or all of the value of digital assets.

7. Intellectual Property

All content on the GSF platform — including software, text, graphics, logos, trademarks, and data — is the property of GSF, SkyNet Dynamics S.A., or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without prior written consent.

You grant GSF a non-exclusive, royalty-free licence to use data and content you submit solely for the purpose of providing and improving our services.

8. Disclaimers and Limitation of Liability

GSF services are provided "as is" and "as available" without warranty of any kind. To the maximum extent permitted by law:

• GSF does not warrant that the platform will be uninterrupted, error-free, or secure at all times
• GSF is not liable for losses arising from market fluctuations, third-party failures, or force majeure events
• GSF's total liability for any claim shall not exceed the fees paid by you in the 3 months preceding the claim
• GSF is not liable for indirect, consequential, special, or punitive damages

Nothing in these Terms limits liability for fraud, gross negligence, or any other liability that cannot be excluded by law.

9. Suspension and Termination

GSF may suspend or terminate your account immediately and without notice if:

• You breach any provision of these Terms
• We are required to do so by law or a regulatory authority
• Your account poses a security, fraud, or compliance risk
• Your account has been inactive for more than 24 months

You may close your account at any time by contacting support, subject to the resolution of any pending transactions, holds, or obligations.

10. Regulatory Compliance

GSF operates in compliance with applicable financial services laws and regulations in the jurisdictions in which it operates. This includes compliance with:

• Anti-Money Laundering / Counter-Terrorism Financing (AML/CFT) requirements
• Financial Action Task Force (FATF) recommendations
• Bank Negara Malaysia guidelines
• SWIFT network compliance standards
• Applicable economic sanctions regimes (OFAC, UN, EU)

11. Governing Law and Disputes

These Terms are governed by the laws of Malaysia. Any dispute arising out of or in connection with these Terms that cannot be resolved through good-faith negotiation shall be referred to arbitration in Kuala Lumpur under the rules of the Asian International Arbitration Centre (AIAC). The language of arbitration shall be English. Judgment on any award may be entered in any court of competent jurisdiction.

12. Changes to These Terms

We may update these Terms from time to time. We will notify registered users of material changes via email or in-platform notification at least 30 days before changes take effect. Your continued use of GSF services after the effective date constitutes acceptance of the revised Terms.

13. Contact

For questions regarding these Terms:

• Email: legal@gsf-digitalbank.com
• Support: Contact GSF