Client Agreement
Royal Transfer LLC
Effective date: 26 January 2026
This Client Agreement (the “Agreement”) governs the terms and conditions of access to and use of the payment and related financial services (the “Services”) provided to clients by Royal Transfer LLC (“Royal Transfer”, “Company”, “we”, “us”, “our”).
Royal Transfer LLC provides frontend, onboarding, customer interface, operational support and technical infrastructure, while regulated payment processing, settlement, safeguarding of funds and compliance services are provided by licensed financial institutions and payment service providers acting as Royal Transfer’s banking and processing partners.
By opening, registering, accessing or using a Royal Transfer account (the “Account”) or any part of the Services, you (“Client”, “you”, “your”) confirm that you have read, understood and agree to be bound by this Agreement and all documents incorporated herein by reference.
If you do not agree to this Agreement, you must not access or use the Services.
This Agreement incorporates by reference and must be read together with the following policies and documents (collectively, the “Policies”):
• Privacy Policy
• Acceptable Use Policy
• AML & KYC Policy
• Fee Schedule
• Any additional terms applicable to specific services
Your continued use of the Services constitutes your acceptance of any amendments to this Agreement or the Policies.
1. COMPANY INFORMATION AND REGULATORY STATUS
Royal Transfer LLC
Registration Number: C1542839
Tax Identification Number (EIN): 61-2264865
FinCEN MSB Registration Number: 31000308751861
Registered Office:
1001 S Main St, Suite 49
Kalispell, MT 59901-1498 United States of America
Email: [email protected] Website: https://royaltx.io
Royal Transfer LLC operates as a financial technology platform facilitating access to payment and money service solutions through regulated financial institutions and payment service providers. Certain regulated services, including payment processing, settlement, safeguarding of client funds, and compliance operations, are performed by licensed third-party partners.
Nothing in this Agreement shall be construed as establishing Royal Transfer as a bank, deposit- taking institution, or issuer of electronic money.
2. ELIGIBILITY AND RIGHT TO USE THE SERVICES To be eligible to use the Services, you must:
a) be at least 18 years of age or the legal age of majority in your jurisdiction;
b) have full legal capacity to enter into binding contracts;
c) use the Services strictly for lawful purposes and in accordance with this Agreement.
If you open an Account as an individual, you represent and warrant that you are acting solely on your own behalf and not as agent, trustee, nominee, or representative of any third party.
If you open an Account on behalf of a legal entity, you represent and warrant that you have full authority to bind such entity to this Agreement.
You may not use the Services to conduct transactions on behalf of any third party unless expressly authorized in writing by Royal Transfer.
3. ACCOUNT OPENING AND REGISTRATION
To access the Services, you must create an Account and provide complete, accurate, current and truthful information, including identification, contact, business, and compliance-related data.
You agree to:
a) provide true, accurate and complete information;
b) keep all Account information up to date;
c) promptly notify us of any changes to your personal, corporate, or contact details.
We reserve the right to refuse, suspend, restrict or terminate any Account at our sole discretion, including where regulatory, compliance, security or risk considerations so require.
All actions conducted through your Account shall be deemed authorized by you unless proven otherwise in accordance with this Agreement.
4. ACCOUNT SECURITY AND CONFIDENTIALITY
You are solely responsible for maintaining the confidentiality and security of your login credentials, authentication factors, passwords, security devices, and any access mechanisms.
You agree to:
a) safeguard your credentials and not disclose them to any third party;
b) prevent unauthorized access to your Account;
c) immediately notify us of any suspected breach, compromise, loss, or unauthorized access.
We will never ask you to disclose your password or authentication credentials.
You acknowledge that any instructions or transactions initiated through your Account using valid authentication credentials shall be deemed authorized by you.
Royal Transfer shall not be liable for any losses arising from unauthorized access resulting from your failure to comply with security obligations.
We reserve the right to suspend or restrict your Account where we detect potential security risks, unauthorized use, fraud, or suspicious activity.
5. DUPLICATE ACCOUNTS
You may maintain only one Account unless expressly authorized by Royal Transfer.
We reserve the right to merge, suspend, or terminate duplicate Accounts without prior notice.
6. VERIFICATION, KYC AND DUE DILIGENCE
You authorize Royal Transfer and its partners to conduct identity verification, business verification, AML screening, sanctions screening, and ongoing monitoring as required by applicable laws and regulations.
Verification may include, without limitation:
a) identity documents;
b) biometric verification;
c) address verification;
d) source of funds and source of wealth verification;
e) business documentation;
f) database and credit checks.
Failure to complete or maintain verification may result in restriction, suspension or termination of your Account.
7. FUNDING YOUR ACCOUNT
You may fund your Account using supported methods, which may include:
a) bank transfers;
b) electronic funds transfers;
c) card payments;
d) other methods supported from time to time.
All funding services are provided by third-party financial institutions. Royal Transfer does not guarantee availability of any specific funding method.
Funds shall be credited to your Account only upon actual receipt by our partner financial institutions.
We reserve the right to impose funding limits, delays, reviews, reversals, or additional verification measures.
8. RECEIVING FUNDS
Certain currencies may allow you to receive funds using bank details assigned by our banking partners.
These accounts are held by Royal Transfer or its partners and not in your name. Upon receipt, funds will be credited to your Account.
You acknowledge that:
a) incoming payments may be reversed;
b) Royal Transfer may deduct reversed amounts from your Account;
c) you remain fully liable for any reversed or disputed transactions.
9. ACCOUNT BALANCES AND SAFEGUARDING
Royal Transfer is not a bank. Funds held in your Account do not constitute bank deposits and are not protected by deposit insurance schemes.
Client funds are safeguarded in segregated accounts held with licensed financial institutions in accordance with applicable regulations.
Royal Transfer does not use client funds for its own operational purposes.
10. TRANSACTION HISTORY
You may view your complete transaction history via your Account dashboard.
You agree to regularly review your transaction records and promptly notify us of any discrepancies.
11. MULTI-CURRENCY ACCOUNTS
You may hold balances in multiple currencies, subject to availability.
You acknowledge all foreign exchange risks and agree not to use the Services for speculative trading or arbitrage purposes.
12. WITHDRAWALS AND PAYMENTS
You may withdraw funds to your bank account or send funds to third-party accounts using available payout methods.
We reserve the right to impose:
a) transaction limits;
b) processing delays;
c) compliance reviews;
d) transaction refusals.
Processing times depend on third-party banking networks and are beyond our control.
PART 2 — CURRENCY CONVERSION, RATES, FEES, ACCOUNT MANAGEMENT, REVERSALS, AND NEGATIVE BALANCES
13. CURRENCY CONVERSION SERVICES
Royal Transfer provides access to foreign exchange services through licensed financial institutions and payment service providers.
Currency conversion may be used for:
a) converting incoming funds;
b) sending funds to third parties in different currencies;
c) withdrawing funds in a different currency;
d) holding balances in multiple currencies.
All conversion services are subject to availability, regulatory restrictions, compliance checks, and internal risk controls.
You must submit a currency conversion order specifying:
a) the source currency and amount;
b) the target currency;
c) the recipient (if applicable).
We may refuse, suspend, delay, or cancel any conversion order at our sole discretion, including where we detect compliance risks, technical errors, suspicious activity, insufficient funds, incorrect beneficiary data, or regulatory constraints.
14. EXCHANGE RATES AND RATE CALCULATION
Exchange rates are determined by our liquidity providers and market reference sources. Rates may be:
a) guaranteed for a limited time window (“Guaranteed Rate”); or
b) floating, based on real-time market conditions (“Market Rate”).
The applicable rate and total cost will be displayed to you prior to confirmation of each transaction. You acknowledge that:
a) rates fluctuate continuously;
b) displayed rates may change prior to execution;
c) market volatility may affect final settlement amounts.
15. GUARANTEED RATES
Where offered, guaranteed rates are subject to the following conditions:
a) the guaranteed period will be specified at order creation;
b) we must receive cleared funds within the guaranteed period;
c) failure to fund within the guaranteed period may result in conversion at the prevailing market rate or cancellation;
d) if market rates move by more than 5% during the guaranteed period, we reserve the right to suspend or cancel the transaction.
Guaranteed rates are not available for all currencies, corridors, or clients.
Royal Transfer reserves the right to suspend or withdraw guaranteed rate offerings at any time.
16. AUTOMATIC CONVERSION ORDERS
You may set up automatic currency conversion orders triggered by predefined exchange rates.
Execution of automatic orders is not guaranteed and depends on market availability, liquidity, regulatory conditions, and technical factors.
Royal Transfer shall not be liable for failure to execute any automatic conversion order.
17. RESTRICTIONS ON CURRENCY TRADING Royal Transfer is not a currency trading platform.
You may not use the Services for speculative trading, arbitrage, market manipulation, or high- frequency trading.
If such activity is detected, we reserve the right to:
a) restrict conversion volumes;
b) cancel transactions;
c) suspend or terminate your Account;
d) freeze funds pending investigation.
18. FEES AND CHARGES
You agree to pay all applicable fees associated with the Services, including but not limited to:
a) account maintenance fees;
b) transaction processing fees;
c) currency conversion fees;
d) withdrawal fees;
e) compliance review fees (where applicable).
Fee schedules are published on our website and may be amended from time to time.
All fees are disclosed prior to transaction confirmation.
You authorize Royal Transfer to deduct applicable fees from your Account balance.
19. TAX OBLIGATIONS
You are solely responsible for determining, reporting, withholding, and remitting any taxes arising from your use of the Services.
Royal Transfer does not provide tax advice and assumes no responsibility for your tax compliance.
20. ACCOUNT CLOSURE BY CLIENT
You may request closure of your Account at any time by contacting customer support. You must withdraw all available balances prior to closure.
If compliance reviews, investigations, or legal obligations exist, we may delay Account closure and retention of funds until resolution.
Account closure does not release you from any outstanding obligations, liabilities, or fees.
21. ACCOUNT SUSPENSION AND TERMINATION BY ROYAL TRANSFER
We may suspend, restrict, or terminate your Account and access to Services at any time, with or without notice, where:
a) required by law or regulatory authorities;
b) suspicious, fraudulent, or illegal activity is detected;
c) breach of this Agreement or Policies occurs;
d) security risks arise;
e) inaccurate, misleading or incomplete information is provided;
f) risk thresholds are exceeded.
Upon termination, unrestricted funds will be returned to you subject to compliance checks and legal requirements.
22. PAYMENT REVERSALS, CHARGEBACKS AND REFUNDS
You are fully responsible for all chargebacks, reversals, refunds, penalties, and disputes resulting from your transactions.
Royal Transfer may immediately debit your Account for any reversed or refunded amounts.
You agree to indemnify Royal Transfer against all losses, fines, penalties, claims, and expenses arising from such events.
23. NEGATIVE ACCOUNT BALANCES
If your Account balance becomes negative for any reason, you agree to immediately repay the outstanding amount.
We may recover negative balances by:
a) debiting incoming funds;
b) converting available balances in other currencies;
c) initiating debt collection procedures;
d) legal enforcement.
You agree to reimburse all reasonable recovery costs.
24. TRANSACTION ERRORS
You must notify us immediately upon detecting any transaction error.
We will investigate reported errors and correct confirmed mistakes within reasonable timeframes. Failure to report errors promptly may result in loss of recovery rights.
25. UNAUTHORIZED TRANSACTIONS
You must immediately notify us if you suspect unauthorized access or transactions. Failure to promptly notify may result in loss of reimbursement rights.
You remain responsible for transactions authorized using valid authentication credentials.
PART 3 — LIABILITY, LEGAL PROVISIONS, INTELLECTUAL PROPERTY, GOVERNING LAW
26. INTELLECTUAL PROPERTY
All intellectual property rights related to the Services, Website, software, APIs, documentation, content, trademarks, service marks, logos, designs, interfaces, and technical infrastructure are owned exclusively by Royal Transfer LLC or its licensors.
Nothing in this Agreement grants you any ownership rights or license except the limited, revocable, non-exclusive, non-transferable right to use the Services strictly in accordance with this Agreement.
You may not:
a) copy, reproduce, distribute, modify, reverse engineer, decompile, disassemble, or create derivative works;
b) remove copyright, trademark, or proprietary notices;
c) use Royal Transfer intellectual property without prior written consent.
All goodwill arising from the use of our trademarks shall inure solely to Royal Transfer.
27. THIRD-PARTY SERVICES
Royal Transfer may integrate or rely on third-party service providers, banks, payment institutions, processors, verification services, compliance vendors, and technology platforms.
We do not control and are not responsible for third-party services, including their availability, performance, security, or compliance.
Use of third-party services is at your own risk and subject to their own terms.
Royal Transfer shall not be liable for acts, omissions, failures, errors, or interruptions caused by third parties.
28. FORCE MAJEURE
Royal Transfer shall not be liable for any delay or failure in performance caused by events beyond its reasonable control, including but not limited to:
a) acts of God;
b) natural disasters;
c) war, terrorism, riots, civil unrest;
d) governmental actions;
e) sanctions;
f) pandemics;
g) failures of telecommunications, power, internet, or banking systems;
h) cyber incidents beyond reasonable mitigation.
Such events shall not constitute breach of this Agreement.
29. DISCLAIMER OF WARRANTIES
The Services are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind.
To the maximum extent permitted by law, Royal Transfer disclaims all warranties, whether express, implied, statutory or otherwise, including:
a) merchantability;
b) fitness for a particular purpose;
c) non-infringement;
d) uninterrupted availability;
e) accuracy of data;
f) error-free performance.
We do not guarantee:
a) continuous availability;
b) transaction processing times;
c) settlement times;
d) absence of errors or defects.
30. LIMITATION OF LIABILITY
To the maximum extent permitted by law, Royal Transfer LLC, its members, managers, officers, employees, agents, affiliates, contractors, and licensors shall not be liable for:
a) indirect damages;
b) incidental damages;
c) special damages;
d) consequential damages;
e) punitive damages;
f) loss of profits;
g) loss of business;
h) loss of goodwill;
i) loss of data.
Our total aggregate liability for any claim arising from this Agreement shall not exceed the total amount of fees paid by you to Royal Transfer during the three (3) months immediately preceding the event giving rise to the claim.
If no fees were paid, Royal Transfer shall bear no liability.
31. INDEMNIFICATION
You agree to fully indemnify, defend, and hold harmless Royal Transfer LLC, its affiliates, officers, directors, employees, agents, contractors, and licensors from and against any and all claims, damages, liabilities, losses, fines, penalties, costs, and expenses (including legal fees) arising out of:
a) your breach of this Agreement;
b) violation of applicable laws or regulations;
c) fraudulent or unlawful activity;
d) disputes with your customers or third parties;
e) misuse of the Services;
f) content or data you provide.
This obligation survives termination.
32. CONFIDENTIALITY
You agree to keep confidential all non-public information related to Royal Transfer, including business operations, compliance procedures, pricing, systems, risk controls, and internal processes.
33. ASSIGNMENT
You may not assign, transfer, or delegate your rights or obligations without our prior written consent.
Royal Transfer may assign this Agreement without restriction.
34. ENTIRE AGREEMENT
This Agreement, together with all referenced policies, constitutes the entire agreement between the parties and supersedes all prior agreements, communications, or representations.
35. AMENDMENTS
Royal Transfer reserves the right to modify this Agreement at any time. Changes shall become effective upon publication on the Website.
Continued use of Services constitutes acceptance of such modifications.
36. SEVERABILITY
If any provision of this Agreement is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.
37. WAIVER
Failure to enforce any right or provision shall not constitute waiver.
38. GOVERNING LAW
This Agreement shall be governed by and construed in accordance with the laws of the State of Montana, United States of America, without regard to conflict-of-law principles.
39. JURISDICTION
All disputes shall be subject to the exclusive jurisdiction of the state and federal courts located in the State of Montana, United States.
40. LANGUAGE
This Agreement is executed in English. English shall prevail in the event of any translation discrepancy.
END OF CLIENT AGREEMENT
Document date: 26 January 2026