Effective Date: July 2026

Regulatory Status

Lois Finance is a financial technology platform that provides technology solutions connecting users with services offered by independent licensed third-party financial institutions.

Lois Finance is not authorised or regulated as a bank, electronic money institution (EMI), payment institution (PI), investment firm, cryptocurrency exchange, money transmitter, card issuer, or custodian of customer funds or digital assets, and does not itself provide regulated financial services unless expressly stated otherwise.

Any regulated financial service made available through the platform is provided solely by the relevant licensed third-party provider under its own regulatory authorisation, terms, privacy policy, and applicable regulatory obligations.

Sanctions Compliance

Lois Finance is committed to complying with all applicable sanctions, anti-money laundering (AML), counter-terrorist financing (CTF), and other applicable legal and regulatory requirements.

Where regulated financial services are made available through licensed third-party providers, such providers may conduct their own sanctions screening, customer due diligence (CDD), Know Your Customer (KYC) verification, and compliance checks in accordance with applicable laws and their own regulatory obligations.

The Lois Finance platform may not be used by, for the benefit of, or on behalf of any individual or entity that:

• is subject to applicable economic or trade sanctions;
• is located, organized, or ordinarily resident in a jurisdiction subject to comprehensive sanctions, where prohibited by applicable law;
• appears on any sanctions or restricted persons list maintained by the United Kingdom, the United Nations, the European Union, the United States, or any other competent authority whose sanctions are applicable.

Users represent and warrant that they are not prohibited from accessing or using the platform under applicable sanctions laws.

Lois Finance reserves the right to suspend, restrict, refuse, or terminate access to the platform, or decline any transaction or service request, where necessary to comply with applicable legal or regulatory obligations.

Export Controls

Users agree to comply with all applicable export control, trade control, and economic sanctions laws and regulations when accessing or using the Lois Finance platform.

The platform may not be accessed, exported, re-exported, transferred, or otherwise used in violation of any applicable export control or trade laws.

Lois Finance reserves the right to restrict or deny access to the platform where required to comply with applicable export control laws.

Governing Law

These Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them, their subject matter, or their formation shall be governed by and construed in accordance with the laws of England and Wales.

Jurisdiction

Subject to the arbitration provisions below, the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or the use of the Lois Finance platform.

Dispute Resolution

The parties agree to use reasonable efforts to resolve any dispute through good-faith negotiations before commencing formal legal proceedings.

If a dispute cannot be resolved through negotiation within thirty (30) days, either party may initiate formal dispute resolution in accordance with these Terms.

Arbitration

Where permitted by applicable law and agreed by the parties, disputes that cannot be resolved through negotiation may be referred to confidential arbitration in England under the Arbitration Act 1996.

The seat of arbitration shall be London, England, unless otherwise agreed in writing by the parties.

Nothing in this section prevents either party from seeking urgent interim, injunctive, or equitable relief from the courts of England and Wales where necessary to protect its legal rights or confidential information.

Contact

For any questions regarding these Terms, use our online chat or email: info@lois.finance

Note:

Lois Finance is a fintech platform that provides access to digital wallet services offered by licensed third-party providers. Lois Finance is not a bank and does not provide traditional banking services. The platform does not operate as a cryptocurrency exchange and does not offer custodial crypto wallet services. All payment cards and financial services are issued and operated by licensed third-party service providers.

Lois Finance is a financial technology (fintech) platform focused on enabling international online payments through digital wallets and virtual payment cards.

The platform allows users to make online purchases and digital payments using payment cards provided by regulated third-party partners.

Lois Finance is not a bank and does not hold customer funds directly. The platform does not provide cryptocurrency exchange, trading, or custodial crypto wallet services. All card issuance, payment processing, and fund management are handled by licensed partner institutions in accordance with applicable regulations.