# Intro ## What is Request? Request is an all-in-one finance web application for companies, contractors, and DAOs to easily manage crypto and fiat invoices, bills, salaries, and expenses in a fast, non-custodial, and compliant way. As a company, you can use Request to: * Safely pay and get paid in crypto and fiat. * Avoid costly double payments. * Keep a paper record of each transaction for audits. * Save time and gas fees with batch payments. * Use a single, powerful platform to manage all your finances, whether it's crypto or fiat. As a freelancer, you can use Request to: * Send beautiful invoices to your clients. * Get paid in crypto and fiat. * Keep track of your invoices. ## Who uses Request? From contractors and small companies to corporates — Request is used by a range of leaders in the web3 industry. With four fixed plans, including a Free plan and a custom offer, we cater to each. You can find our plans [here](https://www.request.finance/pricing). ## Is Request for you? [Start a free trial](https://www.request.finance/pricing) to find out. No commitment or credit card is required. ## Important Links * [Legals](/legal/legal-notice) * [FAQ](https://help.request.finance/en/) * [Get support](mailto:support@request.finance) # Legal notice ### Who is behind Request Finance? Request Finance is a French “société par actions simplifiée” (simplified joint stock company) with a capital of 1000 euros, whose headquarters is located at 888 Route de la Caille, 74350 Allonzier-la-Caille, France; registered in the Thonon-les-Bains RCS under No. 880 400 106, and represented by its President, Mr. LASSUYT Christophe. Its intra-community VAT number is FR37880400106. Request Finance is the editor of this website and application. **Director of the publication:** Mr. LASSUYT Christophe, President. **Hosting:** The website is hosted by Webflow, Inc; you can contact them at . Your data are stored in Europe, as you will see in our [Privacy policy](https://support.request.finance/legal/privacy)! You can contact us at # Terms & Conditions ## Terms & Conditions PLEASE READ THE FOLLOWING TERMS & CONDITIONS CAREFULLY. BY ACCESSING AND/OR USING OUR WEBSITES AND SERVICES, YOU HEREBY AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ALL TERMS INCORPORATED HEREIN BY REFERENCE. IT IS YOUR RESPONSIBILITY TO READ THE TERMS AND CONDITIONS BEFORE PROCEEDING TO USE THIS SITE. IF YOU DO NOT EXPRESSLY AGREE TO ALL OF THE TERMS AND CONDITIONS, THEN PLEASE DO NOT ACCESS OR USE OUR WEBSITES OR OUR SERVICES. ## Who are we? Request Finance (hereinafter "Request" or “Request Finance”) is a French “société par actions simplifiée” (simplified joint stock company) with a capital of 1000 euros, whose headquarters is located at 888 Route de la Caille, 74350 Allonzier-la-Caille, France; registered in the Thonon-les-Bains RCS under No. 880 400 106, and represented by its President, Mr. LASSUYT Christophe. ## What should you know at a glance? * Acceptance. By using our Services, you agree that you have read, understood, and accept all of the Terms & Conditions, [the Cookie Policy](https://support.request.finance/legal/cookies), and [the Privacy Policy](https://support.request.finance/legal/privacy). * “You” or “your” means you as a professional and the company (and its employees), organization, and/or entity electronically accessing our Services. * Our DNA. Request Finance is a professional web application for Companies, DAOs, and professionals to easily manage crypto invoices, salaries, and expenses in a fast and non-custodial way. You will find a non-exhaustive list of our Services [here](https://www.requestfinance.com/). * Privacy. We respect your privacy, as explained in the [Cookie Policy](https://support.request.finance/legal/cookies) and [Privacy Policy](https://support.request.finance/legal/privacy). * DPA. The DPA attached to these T\&Cs governs the processing of personal data carried out on Your behalf, as a data controller, by Request Finance, as a data processor. * Partners. Certain services offered through our platform are provided by third-party partners ("Partners"). By accessing or using any such services provided by our Partners, you acknowledge and agree that: (a) the applicable Partner’s terms and conditions (“Partner Terms”) will govern your use of that service; and (b) you have read, understood and accept the applicable Partner Terms. Please refer to the "Partners Policy" section below for details on which Partner Terms apply to each service. * Termination. You may request to terminate your account anytime at . * IP. All legal rights, including all intellectual property rights, are Request’s property. * Disclaimer. Request does not monitor, authorize, or check the correctness or completeness of transactions before you authorize them. * Warranty. OUR SERVICES ARE PROVIDED "AS IS" AND “AS AVAILABLE”. * Liability. TO THE MAXIMUM EXTENT PERMITTED BY THE APPLICABLE LAWS, REQUEST WILL NOT BE LIABLE FOR ANY DAMAGE OR LOSS ARISING FROM YOUR USE OF OUR SERVICES. * Law & jurisdiction. Use of our Services is governed by the laws of France and subject to the exclusive jurisdiction of the commercial court of Paris. ## What about these Terms & Conditions? These Terms & Conditions (hereinafter "T\&Cs" or “Terms & Conditions”) govern the use of our “Services”. Services include (a) the access and use of Request websites (including its subdomains and subsidiaries services) and applications, (b) tools, reporting, and related technologies, (c) all software, features, files, source code, scripts, content, instruction sets, Application Program Interfaces (API) as well as any related documentation, (d) any future or other related service or contractual relationship with Request. By using our Services, you agree that you have read, understood, and accepted all of the T\&Cs, the [Cookie Policy](https://support.request.finance/legal/cookies), the [Privacy Policy](https://support.request.finance/legal/privacy), and any other specific T\&Cs depending of your use of our Services. You must not use the Services if you don’t agree with those terms. You are responsible for ensuring that all persons who access or use the Services through your device, company account, or internet connection are aware of those documents and that they comply with them. Request reserves the right to amend or otherwise modify these T\&Cs at any time. In such cases, Request will appropriately inform you of these changes. Such changes will only affect our relationship in the future. The continued use of the Services signifies your acceptance of the revised T\&Cs. You can obtain previous versions at first demand. If you do not accept the new T\&Cs, you must stop using our Services and terminate your account immediately. ## How to access our Services? ### Account registration and termination To use all features of our Services, you may have to create a user account by providing all required data and information and keeping it updated. Failure to do so can cause the unavailability of some Services. If you forget your password, you must click on "Forgot your password?" and enter your e-mail address. You will then receive an email with instructions to set a new password. Insofar as the creation of an account allows access to all of our Services; Request reserves the right to extend the validity of your account to all of our Services, websites, or applications when you create an account on any of our Services, websites, or applications. If you are a minor or a protected person, you declare and acknowledge that you have obtained the authorization of the holder(s) of your parental authority, your employer, or of your guardian, who agree to be guarantors of the respect of all the provisions of the present T\&Cs, and who is responsible for your use of our Services. You can terminate your account and stop using our Services anytime (unless we or our partners suspect you are doing so to evade investigation) by directly contacting Request at . All amounts due and/or paid for any monthly or annual subscription are acquired upon subscription and cannot be refunded. Concerning the: * annual subscription, the contract will be renewed for the same duration and excluding any discount and commercial gesture granted the first year, in the absence of denunciation by you at least two (2) months prior to the anniversary date; * monthly subscription, the contract may be terminated at any time without prior notice. ### Confidentiality and use of the account You are responsible for keeping your login credentials confidential and safe. For this reason, you must also choose a password that meets the highest standards of strength. We recommend making it long and using a mix of characters. In no event shall Request be liable for the loss or theft of your login Information or its fraudulent use. You are solely responsible for using your account by others and for actions or statements made through it, whether fraudulent or not. You hold Request harmless from any such claim caused by your fault or negligence. You are required to immediately and unambiguously inform Request at if you think your personal information, including but not limited to account, access credentials, or personal data, has been violated, unduly disclosed, or stolen. ### Minimum configuration of your computer Use of our Services requires that you have compatible computer equipment, an Internet connection, and a compatible web browser. All costs related to access to the Services and its use, whether hardware, software, or internet access costs, are exclusively at your expense. You are solely responsible for the proper functioning of your computer equipment and its access to the Internet. Our Services may become inaccessible or may not function properly with your web browser, mobile device, and/or operating system without entitling you to any claim or compensation. ### Availability of our Services Our Services are accessible 24 hours a day, 7 days a week, subject to (i) the occurrence of a case of force majeure, (ii) an event beyond the control of Request, or (iii) an interruption, suspension, or limitation in the context of maintenance and/or updating operations necessary for the proper functioning of our Services. Request is only bound by an obligation of means concerning the accessibility, operation, and/or availability of the Services. Request reserves the right to interrupt, suspend or limit access without prior notice to all or part of its Services, mainly due to legal, technical, or commercial constraints. It will not give rise to any obligation or compensation. ### Account suspension and deletion Request reserves the right, at its sole discretion, to suspend or delete any user account and/or domain name and wallet linked to it that it deems inappropriate, suspect, offensive, or in violation of these T\&Cs at any time and without prior notice. Such suspension or deletion shall not entitle you to any claims for compensation, damages, or reimbursement. The suspension or deletion of the account is without prejudice to any other damages that Request may seek in such a case. In addition to the above, Request is required by law to delete an account in case of inactivity for 24 (twenty-four) consecutive months. This period is calculated from your last connection to your account. You will be informed by email of the upcoming deactivation of your account during the month preceding the deactivation. ## What are our Services, fees, and commitments? Unless otherwise specified or recognizable, all content available on our Services is owned or provided by Request or its licensors. Request undertakes its utmost effort to ensure that the content provided on Request infringes no applicable legal provisions or third-party rights. However, it may not always be possible to achieve such a result. In such cases, without prejudice to any legal prerogatives of any third party to enforce their rights, you are kindly asked to preferably report related complaints at . ### Our Services You can find more about our Services [here](https://www.request.finance/). Our Services are provided "as is", “as available” and without any other guarantees than those mentioned in those T\&Cs. No advice or information, whether oral or written, obtained during your use of the Services is likely to create any warranty. ### Our fees The fees for our Services are indicated and updated [on this page](https://www.request.finance/pricing) and/or before any transaction and/or in the quotation made for your particular needs. If any, the fees, which are indicated before the transactions, are deducted directly from your wallet whenever you use our Services. Request reserves the right to modify its prices at any time while guaranteeing the application of the fees in force on the day you use the Services. Request reserves the right to offer promotional offers on its Services from time to time. Any promotional offer will be subject to these T\&Cs, which will prevail in case of disagreement or inconsistency between the terms of the promotional offer and those of the T\&Cs. ### Rights regarding our content - All rights reserved Without prejudice to any more specific provision of these T\&Cs, any intellectual property rights, such as copyrights, trademark rights, know-how, illustrations, logo, patent rights, and design rights related to Request, are the exclusive property of Request or its licensors and are subject to the protection granted by applicable laws or international treaties concerning intellectual property. You may not, therefore, use such content in any way that is not necessary or implicit in the proper use of the Services. In particular, but without limitation, you may not copy, download, share, modify, translate, transform, publish, transmit, reverse engineer, decompile, decipher, sell, sublicense, edit, transfer/assign to third parties, or create derivative works from the content available on our Services, nor allow any third party to do so through your account or your device, even without your knowledge. It is also strictly forbidden to represent, sell, reproduce, and/or exploit, in particular for commercial purposes, our websites and applications or one or more of its elements, in whole or in part, in any form and by any means whatsoever, including by "web scraping" techniques, without the prior written consent of Request. Any total or partial reproduction or representation of our Services and/or one or more of its elements, without the prior written permission of Request, constitutes an infringement of the intellectual property rights of Request and/or of the third party licensor and can result in civil and/or criminal proceedings. The information published on our Services is provided strictly and exclusively for information purposes. Request does its best to keep the website up to date and to disseminate reliable and lawful information. However, despite all the care and attention given to the selection of sources and the drafting of content and information, Request cannot guarantee the integrity, accuracy, completeness, timeliness, or other quality of the information published on our Services, except for information relating to prices and essential characteristics of our Services. Where explicitly stated on our Services, you may download, copy or share some content for personal and non-commercial use, provided that the copyright attributions are correctly implemented. Any applicable statutory limitation or exception to copyright shall stay unaffected. ### Your content Request may allow you to upload, share or provide your content on our Services. By providing content, you confirm that you are legally allowed to do so and that you are not infringing any statutory provisions and/or third-party rights. You acknowledge and accept that by providing your own content on our Services, you grant Request a non-exclusive, fully paid-up, and royalty-free license to process such content solely for the operation and maintenance of our Services, as contractually required. To the extent permitted by applicable law, you waive any moral rights concerning the content you provide in such a case. You are solely liable for any content you upload, post, share, or provide. You acknowledge and accept that Request does not filter or moderate such content. However, Request reserves the right to remove, delete, block, or rectify such content at its discretion and to, without prior notice, deny your access to our Services (i) if any complaint based on such content is received; (ii) if a notice of infringement of intellectual property rights is received; (iii) upon order of a public authority; or (iv) where Request is made aware that the content may represent a risk for other users, third parties and/or the availability of our Services. The removal, deletion, blocking, or rectification of content shall not entitle anybody to compensation, damages, or reimbursement claims. The DPA attached to these T\&Cs governs the processing of personal data carried out on Your behalf, as a data controller, by Request Finance, as a data processor. ### External resources Through our Services, you may have access to external resources or services provided by third parties (Metamask, Gnosis safe, etc.). You acknowledge and accept that Request has no control over such resources and services and is, therefore, not responsible for their content and availability. Conditions applicable to any resources provided by third parties, including those applicable to any possible grant of rights in content, result from each such third parties’ terms and conditions or, in the absence of those, applicable statutory law. Request has not conducted any security audit, bug bounty, or formal verification (whether internal or external) of the apps integrated or connected to our Services. Request has no control over, does not recommend, endorse, or otherwise take a position on the integrity, functioning of content, and your use of these apps, whose sole responsibility lies with the person from whom such services or content originated. When you access or use those apps, you accept that there are risks in doing so and that you alone assume any such risks when choosing to interact with those apps. Request shall be not liable for any errors or omissions or any damages or loss you might suffer through interacting with those external applications and resources, save for the cases, where such liability limitation is not enforceabe under applicable laws. ### API usage terms Any use of our API service, including the API through a third-party product/service that accesses our Services, is bound by these T\&Cs. You expressly understand and agree that Request bears no responsibility and shall not be held liable for any damages or losses resulting from the incorrect use of our API or your use of any third-party products/services that access data through our API. You always remain responsible for the integration and use of our API. ### Business Mastercards At your request, Request Finance may offer to issue corporate payment cards (the “Business Mastercards”) under a card program provided by a third-party partner. The Business Mastercards are operated under the control, rules, and terms of the card program provider and card issuer. They are subject to their own T\&Cs (“Cardholder Terms”) as provided in the section “Partners Policy”, which you agree to to benefit from this service. In the event of any inconsistency between this clause and the Cardholder Terms, the Cardholder Terms will prevail in respect of Card operations, provided that such inconsistency does not relieve you of liability under these T\&Cs. The card program provider reserves the right, in its sole discretion, to accept or reject any application for a Business Mastercard, or to suspend or terminate access at any time, including in case of failed or withdrawing KYB, or suspicion of fraud or non-compliance.\ \ All payments, charges, refunds, authorizations, reversals, or other transactions carried out using the Business Mastercard shall be deemed to have been made by you, and shall be your sole responsibility. You must ensure that sufficient funds or credit capacity are available at all times to cover all card transactions.\ \ You agree to settle all liabilities arising from card usage (including card transactions, foreign exchange fees, interest, penalties, chargebacks, late fees, administrative or processing fees) promptly as required by the Cardholder Terms and these T\&Cs. Should any transaction be declined, reversed, disputed, or otherwise challenged, you remain fully liable to Request Finance and/or the card program provider for any amounts not settled, including any associated costs, fees, or interest. You shall not dispute, withhold, offset or refuse any payment based on any claim, counterclaim, set-off, or defense against Request Finance, the card program provider, or the card network/issuer, except as expressly permitted under applicable law and only after exhausting any dispute escalation process under the Cardholder Terms. You bear all risk of loss, misuse, fraudulent or unauthorized use, or any error in transaction by use of a Business Mastercard. You must treat the Card and your card credentials (e.g. PIN, CVV, digital wallet credentials) securely. You must promptly notify the card program provider in the event of suspected or actual unauthorized use, loss, theft, or compromise of the Card or its credentials. Notification must be made as soon as practicable, and in any event within any timeframe required by the Cardholder Terms. You shall fully cooperate (and cause your authorized users to cooperate) in any investigation of misuse, fraud, or disputes, and provide all documentation or evidence reasonably requested. The Business Mastercard service may be subject to fees, charges, foreign exchange margins/spreads, limits per transaction or per period, and other conditions as specified in your fee schedule, the Cardholder Terms, or as otherwise communicated by Request Finance. The card program provider may impose, modify, suspend, or remove transaction limits, spending categories, merchant controls, or allocation controls (e.g. per card, per user) at any time, for risk, compliance, or operational reasons. The card program provider may decline or block a transaction (or disable a Card) if doing so is necessary for risk management, compliance, sanctions screening, fraud prevention, or if it suspects breach of these T\&Cs or the Cardholder Terms. You are liable for chargebacks, refunds, returns, disputes, or reversals arising from card transactions, regardless of whether you contest them or not. You agree to indemnify Request Finance and the card program provider against any such amounts, including associated costs and fees, if the chargeback is ruled in favor of a counterparty. You represent and warrant that you will use the Business Mastercard solely for legitimate business purposes and in compliance with all applicable laws, rules, regulations, payment network rules, AML / CTF / sanctions regimes, and tax obligations. You shall not use the Card for prohibited merchants, categories or activities as may be restricted under the Cardholder Terms or network/issuer rules. You acknowledge that the card program provider may monitor transactions for risk, compliance or fraud purposes, and may refuse or reverse transactions based on such monitoring. Request Finance and/or the card program provider may change, suspend or terminate the Card program or any feature thereof, or change card fees, spend categories, limits or terms, at any time by giving notice to you, subject to any notice periods or regulatory constraints. Continued use of the Card after notice shall constitute your acceptance of such changes. ### Maintenance and support #### Corrective and update maintenance The purpose of corrective maintenance is to correct all Anomalies (being understood as a bug or a malfunction) that may be found in our Services. It is to be specified that this does not concern the Anomalies that could be due to the crypto wallets, exchange accounts, custody solutions, API, or any third-party product/service or component connected to our Services. You shall notify Request of any Anomaly you find via the in-app chat or by email at ; attempting to give a maximum of useful information so that Request may characterize the incident. Request shall then proceed to the diagnosis of the Anomaly, including verifying whether its origin is related to our Services or not. Request shall inform you of the results of this diagnosis promptly. Request ensures the evolutionary maintenance of the Services. The nature and the frequency of these updates shall be left at Request’s discretion. You expressly agree that the updates shall be performed automatically and without prior notice. There is no right to maintain previous versions of our Services or to any corrective maintenance. #### Technical support Besides Anomalies and any questions related to our Services, Request provides technical support consisting of assistance and advice. Such support can be provided through the in-app chat or at . ### Liability and indemnification #### No Warranty YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL REQUEST, ITS SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, AGENTS, CO-BRANDERS, PARTNERS, SUPPLIERS, AND EMPLOYEES BE LIABLE FOR: * ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, LOSS OF TOKENS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE, THE SERVICES; * ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, SCAM, FRAUD, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICES OR ACCOUNT OR THE INFORMATION CONTAINED THEREIN; * ANY ERRORS, MISTAKES, OR INACCURACIES OF CONTENT OR FOR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE THROUGH OUR SERVICES; * PROPERTY DAMAGE OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR USE OF, OR INABILITY TO USE, THE SERVICES; * ANY UNAUTHORIZED ACCESS TO OUR SECURE SERVERS AND/OR ANY AND ALL INFORMATION STORED THEREIN; * ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SERVICES; * ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH OUR SERVICES; * THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY USER OR THIRD PARTY USING OUR SERVICES. IN NO EVENT WILL REQUEST AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, AGENTS, CO-BRANDERS, PARTNERS, SUPPLIERS, AND EMPLOYEES- AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT UNDER ANY LEGAL OR EQUITABLE THEORY, INCLUDING BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, AND OTHERWISE EXCEED 1 TIMES THE TOTAL AMOUNTS PAID TO REQUEST UNDER THIS AGREEMENT IN THE 3 MONTHS PERIOD PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR $1000, WHICHEVER IS MORE. THIS LIMITATION OF LIABILITY SECTION SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES. THEREFORE, THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY IN THESE CASES. NOTHING IN THESE T\&Cs SHALL LIMIT OR EXCLUDE OUR LIABILITY FOR DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE, FOR FRAUDULENT MISREPRESENTATION OR FOR ANY OTHER LIABILITY THAT, BY LAW, MAY NOT BE LIMITED OR EXCLUDED. REQUEST, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, OFFICERS, DIRECTORS, AGENTS, CO-BRANDERS, PARTNERS, SUPPLIERS, AND EMPLOYEES DO NOT WARRANT: * THAT THE SERVICES WILL MEET YOUR REQUIREMENTS; * THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED OR SECURE; * THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED, OR THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES ARE DOWNLOADED AT YOUR OWN RISK, AND YOU SHALL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR OR THIRD-PARTY COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD OR USE OF THE SERVICES. IN ADDITION, FOLLOWING ARTICLE 1218 OF THE FRENCH CIVIL CODE, THE RESPONSIBILITY OF REQUEST SHALL NOT BE ENGAGED, IN A GENERAL WAY, IN ALL THE CASES WHERE THE NON-PERFORMANCE OR THE BAD EXECUTION OF ITS SERVICES AND/OR OBLIGATIONS WOULD RESULT FROM A CASE OF FORCE MAJEURE OR FORTUITOUS EVENT INDEPENDENT OF ITS WILL. THIS T\&Cs DOES NOT CREATE OR IMPOSE ANY FIDUCIARY DUTIES ON REQUEST. TO THE FULLEST EXTENT PERMITTED BY LAW, YOU ACKNOWLEDGE AND AGREE THAT REQUEST OWES NO FIDUCIARY DUTIES OR LIABILITIES TO YOU OR ANY OTHER PARTY. #### Risk of cryptocurrencies By utilizing our Services, you represent that you understand the inherent risks associated with cryptographic systems; and warrants that you have an understanding of the usage and intricacies of native cryptographic tokens, like Ether (ETH) and USDC, DAI, etc., smart contract-based tokens such as those that follow the Ethereum Token Standard, protocols and blockchain-based software systems. By using our Services, you acknowledge and agree (i) that Request or related entities are not responsible for the operation of the underlying cryptographic systems, software, and networks; (ii) that there exists no guarantee of the functionality, security, or availability of such cryptographic systems, software and networks; and (iii) that the underlying protocols are subject to sudden changes in operating rules (known as "Forks"), and that such Forks may materially affect the Services. Any use or interaction with cryptographic systems requires a comprehensive understanding of applied cryptography and computer science to appreciate inherent risks. You acknowledge that Request might discretionarily decide not to support (or cease supporting) forked networks or any network without prior notice. You also acknowledge and agree that Request assumes no responsibility whatsoever regarding any underlying software protocols, whether forked or not. Our Services rely partly on third-party and open-source software, including the Ethereum Blockchain, and the continued development and support. There is no guarantee that those third parties will maintain their support of their software or that open-source software will continue to be maintained. This may have a material adverse effect on our Services. You also acknowledge and understand that cryptography is a progressing field. Advances in code cracking or technical advances, such as the development of quantum computers, may present risks to cryptographic systems, software, and networks. It could result in the theft or loss of any user’s cryptographic tokens or property. You also understand that blockchain technologies and associated currencies or tokens are highly volatile due to many factors, including but not limited to adoption, speculation, technology, and security risks. You accept that the cost of transacting on such technologies is variable and may increase at any time, causing an impact on any activities taking place on any blockchain. You are responsible for identifying and satisfying all such additional fees and charges. You acknowledge these risks and represent that Request or any related entity or person cannot be held liable for such fluctuations or increased costs. Request makes no guarantee as to the security of any blockchain or protocol. Request is not liable for hacks, double spending, stolen digital assets, or blockchain attacks. The cryptographic systems, software, and networks, écosystem including our Services, could be impacted by one or more local regulatory inquiries or regulatory actions, which could impede or limit the ability of Request to continue to maintain its activities, or which could impede or limit your ability to access or use our Services. Before interacting with any protocol, you must always conduct your own due diligence and ensure you comply with all applicable legal and regulatory requirements, including with respect to virtual assets, taxes, securities, and other regulations in your jurisdiction. #### Security & compliance Request enables you to operate transactions directly on a supporting blockchain and to organize and track them. All transactions are conducted directly by you, and you are responsible for all information provided through our Services to effect such transactions. You are solely responsible for evaluating any code or protocol provided by Request. This warning and others later provided by Request in no way evidence or represent an ongoing duty to alert you of all potential risks of utilizing our Services. The transaction details you submit via our Services may not be completed or substantially delayed due to activity or lack thereof on the blockchain used to process the transaction. Once transaction details have been submitted through your wallet, Request cannot assist you in cancelling or modifying your transaction details. Request is not an international payroll or accounting provider and does not provide compliance solutions for payroll and accounting processing. You are solely responsible for compliance with all local laws and regulations. Request makes no warranties that using its Services to facilitate transactions, involving digital assets, enables you to meet any such obligations. ### What do we not offer? By accessing or using our Services, you understand that Request Finance is an unregulated platform based on DeFi. We do not provide a payment service according to Directive 2015/2366/EC on payment services in the internal European market. When you accept these Terms of Service, you consent to us using third parties to provide you with a payment service. ## What about you? By using our Services, you: * agree you will pay our fees, in time and accordingly to these T\&Cs, otherwise we may revoke your rights to the Services without prior notice; * agree to use it in good faith and not to make any use of the Services that would be contrary to or violate any laws, regulations, or any third-party rights; * won’t use our Services in any way that could infringe on Request's rights or that could cause damage to Request and its partners; * won’t use our Services in such a way as to undermine the integrity of Request's technical infrastructure, particularly its computer servers; * won’t use our Services to scam, bribe, or participate in any fraud aimed at a third party or another user of our Services; * are solely responsible for the information you upload or provide Request and undertake to furnish and update factual, correct, current, and complete information with regards to yourself as may be requested. If anyone knowingly provides any information of a false, untrue, inaccurate or incomplete nature, Request will have sufficient grounds and rights to suspend and/or terminate your account; * must be a legally incorporated and existing company or a natural person of legal age in its jurisdiction. You also agree to provide on-demand, legitimate and lawful documentation proving such status if requested or required by Request; * must have the full right, power, and authority to enter into and comply with these T\&Cs on behalf of yourself and/or of any company or legal entity; * must not be, and will not be, located in any jurisdiction that is subject to an embargo by the United Kingdom, the European Union, or the United States; * must not be on any list of prohibited or restricted parties by those foregoing. For example, on the HMT Sanctions List, the U.S. Treasury Department’s Office of Foreign Asset Control’s sanctions lists, the U.S. commerce department's consolidated screening list, the EU consolidated list of persons, groups, or entities subject to EU Financial Sanctions. Nor do you act on behalf of a person sanctioned thereunder; * must understand the functionality, usage, storage, transmission mechanisms, and intricacies associated with tokens, blockchain technology, and related software systems; * acknowledge and agree that it is your responsibility to ensure that the correct address is entered when you transfer a digital asset from your wallet to any external address (and only the supported digital assets are selected for such transfers). The transfer of any digital asset to an incorrect address or the transfer of any kind of digital asset that is not supported will result in the irreversible loss of such digital assets. Request shall bear no liability for any such loss; * remain responsible for not making double payments; * must understand that transactions on the blockchain are irreversible and may not be erased and that your wallet address and transactions are displayed permanently and publicly, and that you relinquish any right of rectification or erasure of personal data; * will comply with any applicable tax and compliance obligations arising from your use of our Services (such as payment of taxes, display of legal notices, etc.); * will not misuse or gain unauthorized access to our Services by knowingly introducing viruses, cross-site scripting, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware, or other harmful programs or similar computer code designed to affect our Services adversely. If you do so or otherwise attack our Services, Request reserves the right to report any such activity to the relevant law enforcement authorities, and we will cooperate with those authorities as required; * won’t use our Services to transmit tokens that are proceeds of criminal or fraudulent activities or to launder any funds; * agree to defend, indemnify and hold Request and its subsidiaries, affiliates, officers, directors, agents, co-branders, partners, suppliers, and employees harmless from and against any and all claims or demands, damages, obligations, losses, liabilities, costs or debt, and expenses, including, but not limited to, legal fees and expenses, arising from your violation of these T\&Cs, your violation of any third-party rights, your violation of any statutory law, rule, or regulation or any willful misconduct. ## Good to know ### No Waiver Request’s failure to assert any right or provision under these T\&Cs shall not constitute a waiver of these last. No waiver shall be considered a further or continuing waiver of such term. ### Partners Policy Request works with partners to provide you with some services and products. By using these specific services, you accept their T\&Cs. Below, and for your convenience only, is a list of links referring to our partners' T\&Cs for such services and products: * For Crypto-to-Fiat/Fiat-to-Crypto: * Reap – [General Terms](https://dashboard.reap.global/connect/latest/2025.06.18%5FReap%5FGeneral%5FTerms.pdf) and [Managed Account Terms](https://dashboard.reap.global/connect/latest/2025.06.17%5FReap%5FConnect%5FManaged%5FAccount%5FTerms.pdf) * Bridge – [Legal Overview](https://www.bridge.xyz/legal/overview) * Mesta – ​​[Terms](https://mesta.xyz/terms) * For Insurance with OpenCover – [Here](https://app.gitbook.com/o/-LBPEk9k7ap5J4UBioon/s/-MJ21-Ms-rAz8W-gZk95/~/changes/130/legal/transaction-cover-terms-and-conditions-transaction-cover) * For Global USD Account and Rewards with Bridge – [Legal Overview](https://www.bridge.xyz/legal/overview) * For Private Payments with Bridge – [Legal Overview](https://www.bridge.xyz/legal/overview) ### Foreign access Our websites and Services are controlled, operated, and administered by Request from France. If you access them from a location outside of France, you are responsible for compliance with your local laws. You agree that you will not use Request’s content accessed through our websites and Services in any country or in any manner prohibited by any applicable laws, restrictions or regulations. ### Privacy policy To learn more about our use of personal data, you can refer to our [Privacy Policy](https://support.request.finance/legal/privacy). ### Assignment of contract & Independence of the parties Request reserves the right to transfer, assign, dispose of by novation, or subcontract any or all rights or obligations under these T\&Cs. You may not assign or transfer your rights or obligations under these T\&Cs in any way without the written permission of Request. Nothing in these T\&Cs creates any employment, agency, or partnership relationship between the involved parties. ### Contacts & Notice Communications relating to the use of our Services must be sent to . You must also give notice to Request at . Such notice shall be deemed given within 24 hours of confirmed transmission. ### Severability, Language & Entire Agreement These T\&Cs, with the Cookie policy and Privacy policy, are the entire contract between you and Request regarding our Services and apply to the maximum extent permitted by relevant law. If a court holds that Request cannot enforce a part of these T\&Cs as written, you and Request will replace those terms with similar terms to the extent enforceable under the relevant law. The rest of these T\&Cs will remain in effect. These T\&Cs supersede any prior contract or oral or written statements regarding your use of our Services. These T\&Cs are concluded in English, and all communications shall be in English, including any notices or information being transmitted. Suppose these T\&Cs or any part of them are translated (for any proceedings, for your convenience or otherwise) into any other language. In that case, the English text of these T\&Cs shall prevail (except where expressly prohibited by law). ### Governing law, Jurisdiction & Amicable dispute resolution THESE T\&CS ARE GOVERNED BY FRENCH LAW. THE EXCLUSIVE COMPETENCE TO DECIDE ON ANY CONTROVERSY RESULTING FROM OR CONNECTED TO THESE T\&CS LIES WITH THE COMMERCIAL COURT OF PARIS. WHILE YOUR RIGHT TO TAKE LEGAL ACTION SHALL ALWAYS REMAIN UNAFFECTED, IN THE EVENT OF ANY CONTROVERSY REGARDING THE USE OF OUR SERVICES, YOU MUST ALWAYS CONTACT REQUEST AT . REQUEST WILL PROCESS THE COMPLAINT WITHOUT UNDUE DELAY AND WITHIN 30 DAYS OF RECEIVING IT. \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ ## Annex 1 - Data Processing Agreement This Data Processing Agreement ("DPA") is a part of the T\&Cs. You will be referred to as the “Company” or the “Data Controller” and Request as the “Data Processor” or “Processor”. WHEREAS 1. The Company acts as a Data Controller. 2. The Company wishes to benefit from the Services, which imply the processing of personal data by to the Data Processor. 3. The Parties seek to implement a DPA that complies with the requirements of the current legal framework in relation to data processing and with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 (General Data Protection Regulation). 4. The Parties wish to lay down their rights and obligations. IT IS AGREED AS FOLLOWS: #### 1. Definitions and Interpretation Unless otherwise defined herein, capitalized terms and expressions used in this DPA shall have the following meaning: * "DPA" means this Data Processing Agreement; * "Company Personal Data" means any personal data processed by the Processor or a Subprocessor on behalf of the Company; * "Data Protection Laws" means EU Data Protection Laws and, to the extent applicable, the data protection or privacy laws of any other country; * "EEA" means the European Economic Area; * "EU Data Protection Laws" means EU Directive 95/46/EC, as transposed into domestic legislation of each Member State and as amended, replaced or superseded from time to time, including by the GDPR and laws implementing or supplementing the GDPR; * "GDPR" means EU General Data Protection Regulation 2016/679; * "Data Transfer" means: * a transfer of Company Personal Data from the Company to the Processor; or * an onward transfer of Company Personal Data from the Processor to a Subprocessor, or between two establishments of the Processor, in each case, where such transfer would be prohibited by Data Protection Laws (or by the terms of data transfer agreements put in place to address the data transfer restrictions of Data Protection Laws); * "Subprocessor" means any person appointed by or on behalf of the Processor to process Company Personal Data. The terms, "Commission", "Controller", "Data Subject", "Member State", "Personal Data", "Personal Data Breach", "Processing" and "Supervisory Authority" shall have the same meaning as in the GDPR, and their cognate terms shall be construed accordingly. #### 2. Responsibilities The Processor shall comply with GDPR in the processing of Company Personal Data. The Company will be responsible for complying with all requirements that apply to it under applicable Data Protection Laws. In particular but without prejudice to the generality of the foregoing, the Company acknowledges and agrees that it will be solely responsible for: (i) the accuracy, quality, and legality of data and the means by which it acquired it; (ii) complying with all necessary transparency and lawfulness requirements under applicable Data Protection Laws for the collection and use of the Company Personal Data, including obtaining any necessary consents and authorizations; (iii) ensuring it has the right to transfer or provide access to, the Company Personal Data to the Processor and SubProcessors. The Company will inform the Processor without undue delay if it is not able to comply with its responsibilities under this section or applicable Data Protection Laws. The Company shall ensure that the processing of Personal Data in accordance with its instructions will not cause Company to be in breach of the Data Protection Laws. The Company shall not provide or make available to Processor any Personal Data in violation of the Agreement or otherwise inappropriate for the nature of the Services, and shall indemnify the Processor from all claims and losses in connection therewith. #### 3. Processor Personnel The Processor shall take reasonable steps to ensure the reliability of any employee, agent, or Subprocessor who may have access to the Company Personal Data, ensuring in each case that access is strictly limited to those individuals who need to know/access the relevant Company Personal Data, and to comply with applicable laws, ensuring that all such individuals are subject to confidentiality undertakings or professional or statutory obligations of confidentiality. #### 4. Security & Instructions Taking into account the state of the art, the costs of implementation, and the nature, scope, context, and purposes of processing as well as the risk of varying likelihood and severity for the rights and freedoms of natural persons, the Processor shall, in relation to the Company Personal Data, implement appropriate technical and organizational measures to ensure a level of security appropriate to that risk, including, as appropriate, the measures referred to in Article 32(1) of the GDPR. The Company agrees that this DPA, together with the Company’s use of the Services, constitutes the complete instructions in relation to the processing of Company Personal Data. The Company is responsible for independently determining whether the data security provided meets its obligations under applicable Data Protection Laws. The Company is also responsible for its secure use of the Services, including protecting the security of Company Personal Data in transit to and from the Services (including securely backup or encrypting any such Company Personal Data). #### 5. Subprocessing The Company agrees the Processor may engage Subprocessors to process Company Personal Data on its behalf. First, the Processor may engage Subprocessors to assist with hosting and infrastructure. Second, the Processor may engage with Subprocessors to support product features and integrations. Third, the Processor may engage with affiliates as Subprocessors for service and support. Some Subprocessors will apply to the Company as default, and some Subprocessors will apply only after opt-in. We will inform you of any planned changes concerning the addition or replacement of other Subprocessors. Where the Processor engages Subprocessors, the Processor will impose data protection terms on the Subprocessors that provide at least the same level of protection for Company Personal Data as those in this DPA (including, where appropriate, standard contractual clauses), to the extent applicable to the nature of the services provided by such Subprocessors. The Processor will remain responsible for each Subprocessor’s compliance with the obligations of this DPA and for any acts or omissions of such Subprocessor that cause a breach of our obligations under this DPA. #### 6. Data Subject Rights Taking into account the nature of the processing, the Processor shall assist the Company, insofar as this is possible, for the fulfilment of the Company’s obligations, as reasonably understood by the Company, to respond to requests to exercise Data Subject rights under the Data Protection Laws. The Company will be responsible for responding to such request, including, where necessary, by using the functionality of the Services. The Company is solely responsible for ensuring that Data Subject Requests for erasure, restriction or cessation of processing, or withdrawal of consent to processing of any Personal Data are communicated to the Data Processor, and, if applicable, for ensuring that a record of consent to processing is maintained with respect to each Data Subject. The Processor shall: * promptly notify the Company if it receives a request from a Data Subject under any Data Protection Law in respect of Company Personal Data, and * ensure it does respond to that request as required by Applicable Laws to which the Processor is subject. #### 7. Personal Data Breach The Processor shall notify the Company without undue delay upon the Processor becoming aware of a Personal Data Breach affecting Company Personal Data, providing the Company with sufficient information to allow the Company to meet any obligations to report or inform Data Subjects of the Personal Data Breach under the Data Protection Laws. Processor shall co-operate with the Company and take reasonable commercial steps as are directed by the Company to assist in the investigation, mitigation and remediation of each such Personal Data Breach. #### 8. Data Protection Impact Assessment and Prior Consultation The Processor shall provide reasonable assistance to the Company with any data protection impact assessments, and prior consultations with Supervising Authorities or other competent data privacy authorities, which the Company reasonably considers to be required by article 35 or 36 of the GDPR or equivalent provisions of any other Data Protection Law, in each case solely in relation to the processing of Company Personal Data. #### 9. Deletion or return of Company Personal Data The Processor shall promptly and, in any event, within two months from the date of cessation of any services involving the Processing of Company Personal Data (the "Cessation Date"). #### 10. Data Transfer The Processor may transfer or authorize data transfer to countries outside the EU and/or the European Economic Area (EEA). If personal data processed under this DPA is transferred from a country within the European Economic Area to a country outside the European Economic Area, the Parties shall ensure that the personal data are adequately protected. To achieve this, the Parties shall, unless agreed otherwise, rely on EU-approved standard contractual clauses or other proper applicable legal grounds for transfers of the personal data outside the EEA in accordance with the GDPR. #### 11. Audit Subject to this section, the Processor shall make available to the Company on request all information necessary to demonstrate compliance with this Agreement. #### 12. Processor’s Role as a Controller The Data Processor will process its accounts data and usage data as a controller (i) to manage the relationship with the Company; (ii) to carry out its core business operations, such as accounting, audits, tax preparation and filing and compliance purposes; (iii) to monitor, investigate, prevent and detect fraud, security incidents and other misuse of the Services, and to prevent harm to Company; (iv) for identity verification purposes; (v) to comply with legal or regulatory obligations applicable to the processing and retention of Personal Data to which it is subject; and (vi) as otherwise permitted under Data Protection Laws and in accordance with this DPA and the Agreement. Processor may also process usage data as a controller to provide, optimize, and maintain the Services, to the extent permitted by Data Protection Laws. #### 13. Details of Processing The Processor will process the Company’s Personal Data as necessary to provide the Services under the Agreement, for the purposes specified in the Agreement and this DPA, and in accordance with Company’s instructions as set forth in this DPA. The nature of processing includes, without limitation: * Receiving data, including collection, accessing, retrieval, recording, and data entry; * Protecting data, including restricting, encrypting, and security testing; * Holding data, including storage, organization, and structuring; * Erasing data, including destruction and deletion; * Analyzing data, including product usage assessment; * Sharing data, including disclosure to subprocessors as permitted in this DPA. Processor will process Company’s Personal Data as long as required (i) to provide the Services to it under the Agreement; (ii) for its legitimate business needs; or (iii) by applicable law or regulation. Processor processes Personal Data contained in account data, usage data, and any Personal Data provided by the Company or collected by the Data Processor in order to provide the Services or as otherwise set forth in the Agreement or this DPA. Categories of Personal Data include name, email, job title, username, device identifiers, IP address, background check verification records (at discretion of Processor), etc. ## **Previous Terms & Conditions** You can find our previous Terms & Conditions here: * [Valid from 4th November 2025 till 17th April 2026](https://cdn.prod.website-files.com/606beb3b434b8b21edd72827/69ce823a94c149b4164d3054_General%20T%26Cs%20-%20valid%20from%204th%20November%202025%20till%2017th%20April%202026.pdf) * [Valid from 3rd of February 2025 till 3rd of November 2025](https://cdn.prod.website-files.com/606beb3b434b8b21edd72827/68f20b566aed2c51ba9372f5_Terms%20%26%20Conditions%20-%20valid%20from%203rd%20of%20February%202025%20till%203rd%20of%20November%202025.pdf) * [Valid from 1st of June 2024 till 3rd of February 2025](https://cdn.prod.website-files.com/606beb3b434b8b21edd72827/67877e6d1ff1df189e3e7b86_Terms%20%26%20Conditions%20-%20Valid%20from%20the%201st%20of%20June%202024%20till%20the%203rd%20of%20February%202025.pdf) * [Valid from 21st of June 2023 till 31st of May 2024](https://uploads-ssl.webflow.com/606beb3b434b8b21edd72827/664b1699298eb085fc4f19de_Terms%20%26%20Conditions%20-%20valid%20from%20the%2021st%20of%20June%202023%20till%20the%2031st%20of%20May%202024.pdf) * [Valid till 21st of June 2023](https://uploads-ssl.webflow.com/606beb3b434b8b21edd72827/6486e4e7d4b5647da1f309da_Terms%20%26%20Conditions%2002_2023%20.pdf) # Privacy Learn more about our privacy policy. ### Who are we? Request Finance (hereinafter "Request", “we”, or “Request Finance”) is the one who collects and processes Your Data. ### What is this document? This Privacy Policy aims to inform You of how Request collects and uses Your personal or not Data and how You can exercise Your rights. This policy is part of the legal documentation -with our [Terms & Conditions](https://support.request.finance/legal/terms-and-conditions) and the [Cookie policy](https://support.request.finance/legal/cookies)- You accept by using our Services. You must not use our Services if You don’t agree with those terms. You are responsible for ensuring that all persons who access or use the Services through Your Device, company account, or internet connection are aware of those documents and that they comply with them. Request reserves the right to modify this policy at any time and without prior notice, in particular in order to meet all its operational, legal, and regulatory constraints. Please check this page regularly to stay up-to-date on the latest version. This policy does not govern the processing of personal data carried out on Your behalf, as a data controller, by Request Finance, as a data processor. To learn more about it, please refer to the DPA attached to our Terms & Conditions. ### What definitions should You know? “Data controller” means the person collecting and processing the Data. The Data controller is Request Finance. “Data processor” means a natural or legal person, public authority, agency, or other body which processes personal Data on behalf of the Data controller. “Data” means all information, facts, and statistics collected together. “Personal Data” means any information that directly, indirectly, or in connection with other information allows for the identification or identifiability of a natural person. “You” or “Your” means You as a natural person or professional and the company, organization, and/or entity electronically accessing our Services. “Privacy Policy” means this document, applying to each visitor of our Website or user of our Services. “Website” means all the Request Websites (including their subdomains), apps and Services. “Device” means Your computer, mobile, or any Device You use to access our Website. “DPO” means Data protection officer. ### Which Data do we collect? Please note that some Data are also collected by third parties accessible on our Services. For exemple, if You use our partners’ services, Data (like Your name, date of birth, address, company, etc.) can be collected by our partners (or by Request on their behalf) to meet their anti-money laundering and customer-identification obligations. Request is not responsible for the way in which our partners use Your Data. If You have any questions on this subject, please consult their privacy policy. | Your action | Data collected | Data usage | Legal basis | Retention | | -------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------- | | Account creation | Names, email address, address, company information, intra-community VAT number, country | Manage contract, proper functioning of our Services, analytics, preventing fraud, managing support, sending notifications | Execution of our contract |

2 years after the last use of Your account if You have not closed it before


| | Request to receive marketing emails (including our newsletter) | Email address, logs |

Sending emails on our latest developments, promotions, business relation,

customer survey, marketing,

| Your consent | 3 years from the request | | Request sent to customer support | Depending on the means used: Names, email, telephone number, social media profile, content of our exchanges, identification document (if necessary) | Processing the request, quality control, verifying information is correct and preventing fraud, training of our teams | Execution of our contract | 5 years from the request | | Browsing our Websites | Cookies, IP address, geographical position, operating system, browser, Devices used, date of visit, URLs of clickstream, errors, duration of visit, pages interaction |

Bug-fixing, analytics, combating fraud, personalising Your experience.
To learn more, please refer to our Cookie Policy.

| Dependent on the purpose of the trackers: Legitimate interest for technical ones & Consent for functional, performance and advertising cookies | To learn more about how Request uses and retains cookies, please refer to our [Cookie Policy](https://support.request.finance/legal/cookies). | | Participation in customer surveys | Names, address, company name, country, email address, geographic position, number of employees, phone number, profession, state, usage Data, product opinion, comments | Carrying out marketing studies, improving our products and Services | Legitimate interest | 3 years from the participation | | Request to be re-contacted on the subject of our B2B products | Names, company information, role, email address | Making contact, sending emails on our latest developments, promotions and customer surveys, marketing | Your consent | 3 years from the request | | Use of our Services | Names, email address, IP address, clicks, actions, properties (e.g. type, version, language and region recorded for Your operating system), operation information, public keys and bank details | proper functioning of our Services, Bug-fixing, analytics to improve our Services, identify additional services and features You might need, processing requests for assistance, finding and preventing security issues, fraudulent activity and violations, optimising marketing (e.g. information on the most-used functionalities) and sending important information (e.g. security notifications) | Execution of our contract | 2 years after the last use of Your account if You have not closed it before | | Signing up to our affiliate program | Names, email address, public key | Managing the program, sending emails on the program’s latest developments, remuneration | Execution of our contract |

2 years after the last use of Your account if You have not closed it;


| ### How do we use Your Data? To sum up the previous table, Request uses Your Data for the following purposes: * To conclude and manage our contracts, * To provide our services, * To manage client files, * To manage prospect files, * To create statistics, * To carry out satisfaction surveys, * To manage complaints, customer support and disputes, * To personalize, maintain and improve our Services and features, * To improve the security of our Services, * To make research & development and train our teams, * To comply with our regulatory obligations and in particular the fight against fraud, money laundering and the financing of terrorism, * To manage requests to exercise rights under regulations applicable to the processing of personal Data.
Request does not sell or share Your personal information with third parties for direct marketing purposes. ### What about cookies? Request uses cookies and other identifying technologies on its Services.To learn more about how Request uses cookies, please refer to our [Cookie Policy](https://support.request.finance/legal/cookies).
Cookies are small text files stored in Your browser or Device by Websites, apps, online media, and advertisements. Request uses cookies and similar techniques for the following purposes: * Authenticate Users, * Remember User preferences and settings, * Establish the popularity of the content, * Deliver and measure the effectiveness of advertising campaigns, * Analyze site traffic and trends, and generally understand the online behaviors and interests of people who interact with our Services. ### How do we share Your Data? #### For operational purposes To operate its Services, Request may share Your Data with its service providers and business partners, who are expressly bound not to disclose or use them to any other end. This may concern, for example: * payment institutions or electronic money institutions; * cloud storage providers; * marketing partners and marketing platform providers; * data analytics providers; * consultants, lawyers, accountants, and other professional services providers. #### For legal purposes or in the event of a dispute Request may release Your Data if a law, regulation, operating agreement, legal process, or government request requires it. This involves the communication of Your Data to the authorities or governmental institutions to protect the rights of Request, or the rights, safety, or property of third parties, or in the event of a claim or dispute relating to Your use of our Services. #### For corporate purposes If Request sells, merges, or transfers any part of its business, it may be required to share Your Data. If so, You will be asked if You'd like to stop receiving promotional information following any change of control. #### ‍With Your Consent Other than as stated above, Request will provide You with prior notice and the opportunity to choose when Your Data may be shared with other third parties. ### Where and for how long are Your Data stored? Your Data are stored in Belgium and Netherlands, but we might have to transfer them to countries outside the European Economic Area to provide You with our services. We only share Your Data with companies and partners established in a country recognized as offering an adequate level of protection, or with which we have signed standard contractual clauses, or that commit to applying a code of conduct or a certification mechanism validated by the competent authorities. #### Your Data are kept for the following periods: Please, refer to the previous table. #### The following Data are stored for different periods: * Financial Data (e.g., payments, refunds, etc.) are kept for the duration required by applicable tax and accounting laws; * For legal reasons, the content created when You use our Services (such as invoicing, payments, etc.) remains visible by the payer or beneficiary; * For technical reasons, everything that is stored on the blockchain remains unalterable. * If Your account has been suspended or blocked, Your Data may be retained to avoid any circumvention on Your part of the rules in force on our platforms and to prevent fraud and improve security. For example, if Request archives a user's account because he behaves dangerously, Request may keep specific Data about this account in order to prevent this user from opening another one later. * In terms of litigation management: * * The Data processed to manage a pre-litigation will be deleted as soon as the dispute is settled amicably or, failing that, as soon as the corresponding legal action expires * The Data processed to manage a dispute will be deleted when appeals are no longer possible against the decision rendered to have it executed, * At the end of these periods, the Data is securely deleted or archived in accordance with applicable law. * Decisions rendered may be retained by Request as a definitive archive due to historical interest. * In terms of managing requests to exercise the rights granted to Personal Data: * * The Data processed are kept for the duration of the examination of Your request, then archived in accordance with the limitation periods in force (5 years); * Data relating to identity documents will be kept for one (1) year in compliance with the applicable legal deadlines; * In the event of opposition, the Data will be kept for a minimum period of three (3) years to guarantee the effectiveness of Your right of opposition. For more information on Your Data retention periods, You can contact the DPO of Request at . ### What are Your rights? Depending on Your location and subject to applicable law, You may have the following rights described here with regard to the Data we control about You: * The right to request confirmation of whether Request processes Personal Data relating to You, and if so, to request a copy of that Personal Data; * The right to request that Request rectifies or updates Your Personal Data that is inaccurate, incomplete or outdated; * The right to request that Request erases Your Personal Data in certain circumstances provided by law; * The right to request that Request restricts the use of Your Personal Data in certain circumstances; * The right to request that Request exports Your Personal Data that we hold to another company, where technically feasible; * Where the processing of Your Personal Data is based on Your previously given consent, You have the right to withdraw Your consent at any time; and/or * Where Request processes Your Personal Data based on our legitimate interests, You may also have the right to object to the processing.
To exercise these rights, You can send an e-mail to the address . All requests must specify, in the subject line, the reason for the request (exercise of the right of access, opposition, etc.), the address to which the response must be sent, and the company concerned by the request.
To exercise Your rights, You must prove Your identity by any means. Where Request has reasonable doubts about Your identity, You may be asked to provide additional information necessary to confirm Your identity.
Request will send You its response within a maximum period of one (1) month from the date of receipt of Your request. However, this period may be extended by two (2) months due to the complexity and number of requests.
Finally, You can contact the competent supervisory authority for Data protection in Your region. For example, the CNIL for France: [www.cnil.fr](http://www.cnil.fr). ### What are the legal bases of processing? To summarize the previous table, Request processes Data under the following legal basis: * execution of a contract. For the most part, the Data that Request collects are those that are necessary for the execution of the contract and our Services concluded between You and Request; * legal obligations. Certain Data must necessarily be collected by Request in order to comply with our legal obligations; * Your consent. Request will be able to process certain Data after obtaining Your consent, for example, for prospecting operations. Mandatory Data are marked with an asterisk; * our legitimate interest. Finally, some Data collected are necessary for the legitimate purposes that Request pursues, in particular and without limitation, the management of the Services, the research, the development and the improvement of our Services (in particular via surveys), personalization of Your customer experience, fraud prevention, network security. ### What are our protection measures? Request implements all technical and organizational measures it deems necessary to safeguard Your Data at an appropriate level of security, including: * An awareness program and employee training, * Encryption during exchanges and storage, * Regular audits of Data hosting companies, * Data redundancy for more resilience in the event of a catastrophe, * Role-based authentication, * Two-factor authentication for our authorised contributors, * Continuous monitoring of the system, * Security assessments in line with industry standards, * Bug bounty program, * Security tests and intrusion tests by independent third parties, * Administrative access to our servers is limited to certain people duly identified with our hosting provider.
To assess the appropriate security level, Request takes into account, among other things, the nature of the Data and the risks its processing presents. Although we strive to ensure optimal Data protection, we would remind You that transmitting information on the Internet is not entirely secure.
To help us protect Your Data, Request encourages You to use a strong password and never share it with anyone or use the same password with other sites or accounts. If You have reason to believe that Your interaction with our Services is no longer secure (e.g., You feel that the security of Your account has been compromised), please contact Request at immediately. # Cookies Last update date: 13/02/2023 ### What is this document? The purpose of this Cookie Policy is to inform you of the types of cookies we use, their purpose, and how to configure them so that we can protect your privacy. This policy is part of the legal documentation -with our [Terms & Conditions](https://support.request.finance/legal/terms-and-conditions) and the [privacy policy](https://support.request.finance/legal/privacy)- you accept by using our Services. You must not use our Services if you don’t agree with those terms. You are responsible for ensuring that all persons who access or use the Services through your device, company account, or internet connection are aware of those documents and that they comply with them. Request reserves the right to modify this policy at any time and without prior notice, in particular in order to meet all its operational, legal, and regulatory constraints. Please check this page regularly to stay up-to-date on the latest version. ### What definitions should I know? “Data controller” means the person collecting and processing the data. The Data controller is Request Finance. “Data processor” means a natural or legal person, public authority, agency, or other body which processes personal data on behalf of the Data controller. “Personal Data” means any information that directly, indirectly, or in connection with other information allows for the identification or identifiability of a natural person. “You” or “your” means you as a professional and the company, organization, and/or entity electronically accessing our Services. “Cookie Policy” means this document. “Website” means all the Request websites (including their subdomains) and Services. “Device” means your computer, mobile, or any device you use to access our Website. ### What is a cookie? A cookie is a small text file stored on your Device's hard drive when you visit a website, read an email, or install or use a software. Cookies set by the website operator are called "first party cookies", and those set by third parties are called "third-party cookies". Your web browser will keep it for a certain period of time and send it back to the web server each time you connect. They are used to keep track of your navigation. They are a useful mechanism for many different tasks, such as allowing you to navigate between pages efficiently, remembering your preferences, and improving the user experience. Some cookies are mandatory, but others are facultative and require prior consent. ### How does Request use cookies? When visiting our Website, cookies may be installed on your Device. No cookies subject to prior approval will be deposited or read on your Device if you have not accepted them. To manage the collection of consents or any refusal/withdrawal of consent to the deposit and/or reading of cookies, Request uses a cookie consent manager solution. This solution is hosted on their servers and is regularly updated. You are informed that cookies published by third parties (as listed below) may be used on the Website to offer users advertisements tailored to their interests. Your consent or refusal to the installation of cookies, which can be modified at any time, is valid for six (6) months. At the end of this period, the banner will be displayed again so you can make your choice (consent or refusal). ### What if I change my mind about cookies? You may always modify your choices on cookies via the cookie consent manager at the bottom of each page of our Website. Through browser preferences, it is also possible to delete cookies installed in the past, including the cookies that may have saved the initial consent for the installation of cookies by this Website. However, Request informs you that by setting your browser to refuse cookies, some features, pages, and areas of the Website will not be accessible, for which Request can not be responsible. Given the objective complexity surrounding the identification of technologies based on cookies, you are encouraged to contact Request if you want any further information on our use of cookies. ### What types of cookies is Request using? #### Cookies exempted from consent. **Cookies necessary for navigation and the proper functioning of the Website** Cookies required for navigation make a website usable by enabling basic functions such as page navigation and access to secure website areas. Our Website cannot function properly without these cookies. We use the following cookies:
| Provider | Cookies | Purpose | Data controller | Retention | | ------------- | --------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------- | --------------- | -------------------------- | | Intercom | intercom-session-\*, intercom-device-id-\* |

Used to identify your browser to remember conversations via Intercom


| Intercom |

9 months


| | \*.request.\* | cookie\_consent, request-cookie-accepted, request-cookie-functional, request-cookie-analytics | Used to check if the user has approved non-mandatory cookies for use on the site | Request | 6 months | | Sentry | AMP\_\*, gsID, sentry-sc, \_ga, anonId, session, \_\_stripe\_mid, | Used to identify bugs and issues from your browser | Request | 6 months | | Auth0 | \_\_cf\_bm, auth0, did\_compat, did, auth0\_compat | Used to track authentication across the site | Request | Session / 1 month | **Cookies for audience measurement exempted from consent.** Managing a website or a mobile application generally requires traffic or performance statistics, often essential to service provision. To be limited to what is strictly necessary for the condition of the service and to be exempt from consent, these cookies will (i) have a purpose strictly limited to the sole measurement of the audience of the site or application (performance measurement, detection of navigation problems, optimization of technical performance or its ergonomics, estimation of the power of the necessary servers, analysis of the content consulted) for the exclusive use of Request, or (ii) serve to produce anonymous statistical data only. We use the following cookies: | Provider | Cookies | Purpose | Data controller | Retention | | -------- | --------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------- | --------------- | --------- | | Segment | Ajs\_anonymous\_id, ajs\_user\_id | Used by Segment to help track visitor usage, events, target marketing, and can also measure application performance and stability. | Request | 1 year | #### Cookies subject to consent The legal basis for all the following cookies is your prior consent. When you first visit the Website, a banner informs you of the presence of these cookies and invites you to indicate your choice. The choice you make will apply to all our websites. They are deposited only if you accept them. **Performance and Functional Cookies** The audience measurement cookies allow Request to understand how visitors access our website and obtain statistics on their browsing to optimize the ergonomics, content, etc. If you do not allow these cookies, we will not know when you have visited our Website and will not be able to monitor its performance. Our Website also uses functional cookies to enhance functionality and personalization. If you do not allow these cookies, some or all of these Services may not function properly. We don’t use such cookies. **Advertising and Marketing Cookies** Advertising cookies allow Request to propose the most relevant and appropriate advertisements to your interests based on your browsing history. We don’t use such cookies. **Cookies generated by social networks** The cookies deposited via the social network buttons are intended to allow users of the Website to facilitate the sharing of content and improve usability. These social network buttons use cookies deposited directly by the aforementioned third-party service providers to track the browsing of Internet users, whether or not you are users of these platforms and whether or not you are connected to the social network during your browsing. The data collected by these cookies also make it possible to target advertising offers on these platforms (see "Advertising Cookies"). We don’t use such cookies. ### Any questions? If you have any questions about this Policy, you can contact us by sending an e-mail to .
# Transaction Cover Terms & Conditions (“Transaction Cover”) ## What should You know at a glance? 1. Transaction Cover is provided by OpenCover UK Ltd (“OpenCover”), a company registered in the United Kingdom (company no. 13364577) whose registered office is at 71-75 Shelton Street, London, United Kingdom, WC2H 9JQ. 2. Transaction Cover protects You against financial losses caused by malicious actors (e.g. scams, phishing, oracle manipulation, governance attacks) and technical risk (e.g. smart contract exploits and compiler vulnerabilities) when using official Request Finance products. The Service is only provided on Covered Blockchains for Covered Assets (see up-to-date list [here](https://opencover.com/transaction-cover/request/supported-chains-and-assets)) on supported Request Finance smart contracts (see up-to-date list [here](https://opencover.com/transaction-cover/request/covered-smart-contracts)). The full list of covered risks and exclusions is detailed in the Covered Risks and Exclusions section below. 3. Eligible Request Finance transactions protected by Transaction Cover (“Covered Transactions”) must be included in the target blockchain within 5 hours of transaction creation for transactions created using a Safe (multisignature) smart contract wallet and within 5 minutes for transactions created using an externally owned account (EOA) for the protection to be valid. 4. Claims on Covered Transactions where an unexpected monetary loss ("Loss") arises while the cover is active (i.e. before Cover Expiry) must be submitted within 72 hours of transaction creation. The initial aggregate cover limit in force at any one time shall be $500,000 per month with up to $100,000 covered per Covered Transaction. Claims can only be made by genuine Request Finance users for genuine transactions created as part of the natural use of an official Request Finance product. That is to say, claims made for transactions designed to exploit the Request Finance platform for whitehat or blackhat purposes, as part of seeking a bug bounty reward (for bounties see the [Request Bug Bounty Program](https://help.request.finance/en/articles/8623679-bug-bounty-program-at-request)) or other uses of Request Finance outside of its intended scope are not eligible for payout under Transaction Cover. 5. As part of a claim, You will be asked to submit Loss information to OpenCover and provide individual or entity identification (KYC/KYB), as part of our regulatory obligations. At present, Transaction Cover cannot be provided to parties based, for example, in Afghanistan, Belarus, Burundi, Congo, Cuba, Eritrea, Guinea Bissau, Iraq, Iran, Liberia, Mali, Myanmar, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, the following regions of Ukraine: Crimea, Donetsk and Luhansk Regions, Venezuela, Yemen or who are subject to sanctions by the United Kingdom Government, as published from time to time. If you are in such a country, and even if a transaction is supposed to be covered, OpenCover its underwriters, or Request will not be able to reimburse a potential loss. 6. Claim assessment and payout typically take 9–14 business days from the claim submission date as detailed in the Claims and Payouts section below. 7. Payouts are made in USDC and computed as the Loss at the time of transaction minus a 5% deductible for claims above $1,000. 8. Should You recover funds in connection with a claimed Loss, such as through voluntary protocol indemnification or an attacker returning funds, the relevant payout amount must be reimbursed as detailed in the Recovery section below. 9. You may request the set of Covered Blockchains, Covered Assets, Covered Smart Contracts, and Covered Smart Contract States to be expanded by contacting the Request support team. ## Definitions 1. “**Business Day**”: a day other than a Saturday, Sunday or public holiday in England, when banks in London are open for business. 2. “**Claim Submission Window**”: the time window to submit a claim for losses in connection with a Covered Transaction: 72 hours after the transaction creation. 3. “**Cover Exclusions**”: the exclusions listed in the Covered Risks and Exclusions section below. 4. “**Cover Expiry**”: the date and time at which protection for a Covered Transaction elapses. Losses incurred after Cover Expiry are not eligible for claims. 5. “**Covered Address**”: the blockchain address used by You to make the payment for a Covered Transaction. 6. “**Covered Assets**”: the assets included in this [list](https://opencover.com/transaction-cover/request/supported-chains-and-assets) updated from time to time. 7. “**Covered** B**lockchains**”: the blockchains included in this [list](https://opencover.com/transaction-cover/request/supported-chains-and-assets) updated from time to time. 8. “**Covered Risks**”: the risks listed in the Covered Risks and Exclusions section below. 9. “**Covered Smart Contracts**”: the Request Finance smart contracts included in this [list](https://opencover.com/transaction-cover/request/covered-smart-contracts) updated from time to time. 10. “**Covered Transaction**”: a blockchain transaction carried out on or via the Request product and services, meeting all the eligibility criteria set out in this contract. So a transaction made: * on Covered Blockchains for Covered Assets (see up-to-date list [here](https://opencover.com/transaction-cover/request/supported-chains-and-assets)), * on supported Request Finance smart contracts (see up-to-date list [here](https://opencover.com/transaction-cover/request/covered-smart-contracts)), * included in the target blockchain within 5 hours of transaction creation for transactions created using a Safe (multisignature) smart contract wallet and within 5 minutes for transactions created using an externally owned account (EOA), * from a party not sanctioned or blacklisted by the United Kingdom Government or any other international regulatory institution. * Not designed to exploit Request Finance or make a claim under this agreement. 11. “**Deductible**”: an amount retained from a successful payout by underwriters to cover claim overheads. 12. “**Loss**”: unexpected direct monetary loss arising out of or in connection with a Covered Transaction. 13. “**Maximum Cover Amount**”: the immediate monetary value at risk in a Covered Transaction up to transaction-level and aggregate coverage limits ($100,000 covered per Covered Transaction). 14. “**You**” are the eligible customer of Request products and services, and of this Transaction Cover Service. “Your” shall be interpreted accordingly. ## Covered Risks and Exclusions 1. A Covered Transaction protects the Covered Address associated with the Covered Transaction against a Loss directly caused by one or more of the Covered Risks defined below. 2. Except for the Cover Exclusions and subject to the Maximum Cover Amount, You are eligible for repayment to the blockchain address of Your choice, less any applicable Deductible, of any potential Loss incurred before Cover Expiry. 3. **Covered Risks**. The Covered Risks are: * \[P01] Protocol exploit: smart contract bug or implementation error in a legitimate protocol * \[P02] Oracle exploit: oracle manipulation or oracle failure in a legitimate protocol. * \[P03] Governance attack: malicious upgrade forced through in a legitimate protocol. * \[B01] Bridge exploit: Funds stolen or permanently locked during a legitimate bridge transaction. * \[M01] Malicious contract: Interaction with a fraudulent protocol or asset part of a scam/phishing campaign. * \[D01] Stablecoin depeg: loss of peg to target fiat currency by 1% or more (rounding to 3 decimal places.) * \[S01] Systemic failure: chain-level failure such as 51% attack or block reorganization. 4. **Cover Exclusions**. The Cover Exclusions are: * \[H01] Non-malicious contract: interaction with unintended but non-malicious contract due to human error. * \[H02] Wrong EOA: transfer to an unintended EOA as part of a legitimate transaction due to human error. * \[H03] Internal fraud: theft from authorised internal party. * \[M02] Malicious transfer to EOA: transfer to a fraudulent EOA part of a scam/phishing campaign. * \[D02] Wrapped asset depeg: loss of peg to target free-floating cryptocurrency. * \[C01] Compliance: loss due to non-compliant transaction. 5. In no event or circumstance, shall OpenCover, its underwriters, or Request be liable to You for more than the Maximum Cover Amount. ## Claims and Payouts 1. Claims can only be made for Covered Transactions created and settled using an official Request Finance product, application or application programming interface (API). To be claimable, a Loss must: * i) occur on one of the Covered Blockchains; and * ii) be caused by one of the Covered Risks; and * iii) be caused by one or more of the Covered Smart Contracts in a Covered Smart Contract State in case the Loss arises from a failure or vulnerability in a smart contract; and * iv) be caused by one or more of the Covered Assets in case the Loss arises from asset failure; and * v) be irreversible and permanent; and * vi) not knowingly be caused for the sole purpose of submitting a claim under this Agreement; and * vii) not be caused by a security breach or negligence in Request Finance's offchain infrastructure (i.e. not deployed on a blockchain) or internal operations (such as private key management). 2. If a Loss arises for a Covered Transaction, You must submit a claim at within 72 hours of the transaction creation date (the Claim Submission Window). 3. Claims are processed by OpenCover typically within 9–14 Business Days from submission. As part of the claim, You will be asked to submit detailed Loss information and provide individual or entity identification (KYC/KYB) in order to comply with obligations under the United Kingdom’s Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 and associated guidance. 4. Claims are analysed using the transaction trail and flow of funds of the affected Covered Address. For the purpose of calculating realised Losses, CoinGecko is used as the provider of market data for free-floating cryptocurrency prices and Bloomberg is used as the provider of market data for foreign exchange rates. 5. Claims are made in USD and must represent an actual loss auditable on the blockchain. You cannot claim: * indirect or consequential loss or damage; or * special damages; or * loss of future profits, business opportunity, anticipated savings or other potential upside following the inclusion of the Covered Transaction on the blockchain; or * loss of goodwill; or * loss of or damage to data, suffered by You or a third party claiming through You irrespective of how such loss or damage may arise and no matter which theory of liability gives rise to any cause of action by You. 6. Approved claims are paid out in USDC at a 1:1 exchange rate with USD to a payout address provided by You up to the Maximum Cover Amount minus a 5% deductible in case the claim amount is above $1,000. ## Recovery 1. After a claim is paid by OpenCover, You: * assign all rights and interest, with full title guarantee, in the Covered Transaction to OpenCover and they shall be entitled to pursue recovery of the Loss without further recourse to You. The exact recovery mechanism will be settled on a case-by-case basis and at the discretion of OpenCover; and * shall forward any recoveries received by You in relation to the Covered Transaction to OpenCover upon receipt. 2. If You are unable to assign such rights to OpenCover, then, instead of assigning such rights to OpenCover, You shall allow OpenCover to make a claim in Your name. In no circumstances, shall You waive any rights that could adversely affect any such assignment rights. Any amounts recovered by OpenCover in connection with the exercise of its assignment rights shall be applied first to reimburse OpenCover for any Claim paid by OpenCover pursuant to these Terms and for any costs or expenses incurred in connection with such recovery and then the remainder of such recovered amounts shall be paid to OpenCover. 3. You warrant that You shall: * preserve any indemnification or other rights against any other person or entity for the recovery of such losses and OpenCover’s rights with respect thereto; and * not do, allow done or knowingly omit to do any act which shall jeopardise OpenCover’s right to recover losses from any other person or entity.