These Terms & Conditions (“Terms”) govern your access to and use of the USD Hawaiʻi website, products, services, and any related applications or features (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms.

If you do not agree to these Terms, do not use the Services.

1. About USD Hawaiʻi

USD Hawaiʻi is a digital payments platform designed to facilitate faster, lower-cost transactions for merchants and residents in Hawaiʻi. USD Hawaiʻi is intended for payments and commerce—not for investment, speculation, or trading.

USD Hawaiʻi may be operated in phases and made available on a limited or invite-only basis prior to general availability.

2. Eligibility

To use the Services, you must:

• Be at least 18 years old

• Have the legal capacity to enter into binding agreements

• Comply with all applicable laws and regulations

Certain features may require additional eligibility checks, including identity verification and compliance reviews.

3. Early Access & Phased Rollout

USD Hawaiʻi may offer early access programs or waitlists for merchants and residents.

You acknowledge and agree that:

• Early access features may be limited, modified, delayed, or discontinued

• Access is not guaranteed and may be revoked at any time

• Features available during early access may differ from the final product

Participation in early access does not create any entitlement to future access, pricing, or functionality.

4. Account Registration & Verification

Some Services require you to create an account.

You agree to:

• Provide accurate and complete information

• Keep your information up to date

• Maintain the confidentiality of your account credentials

USD Hawaiʻi may require identity verification (KYC), business verification, or other compliance checks as required by law or policy.

5. Payments, Fees, and Pricing

Any applicable fees, pricing, or commercial terms will be disclosed to you before you use a paid feature or accept payments through the platform.

USD Hawaiʻi:

• Does not guarantee fee-free transactions

• May change pricing or fees with notice

• Does not require long-term commitments unless expressly stated

All pricing is subject to applicable laws and regulatory requirements.

6. Use of the Services

You agree not to:

• Use the Services for unlawful, fraudulent, or deceptive purposes

• Circumvent security, compliance, or access controls

• Interfere with the operation or integrity of the Services

• Misrepresent your identity, business, or transaction activity

USD Hawaiʻi reserves the right to suspend or terminate access for violations of these Terms or applicable law.

7. No Investment or Financial Advice

USD Hawaiʻi does not provide investment, tax, or legal advice.

The Services are intended solely for facilitating payments and commerce. Nothing on the website or within the Services should be interpreted as:

• An investment offering

• A solicitation to buy or sell securities

• Financial advice of any kind

You are responsible for your own financial, tax, and legal decisions.

8. Availability & Modifications

USD Hawaiʻi may:

• Modify, suspend, or discontinue any part of the Services

• Add or remove features

• Impose usage limits

We do not guarantee uninterrupted or error-free operation.

9. Intellectual Property

All content, software, designs, trademarks, and materials associated with USD Hawaiʻi are owned by or licensed to USD Hawaiʻi.

You may not copy, modify, distribute, or reverse-engineer any part of the Services without prior written consent.

10. Privacy

Your use of the Services is subject to our Privacy Policy, which explains how we collect, use, and protect information.

11. Disclaimers

The Services are provided “as is” and “as available.”

To the maximum extent permitted by law, USD Hawaiʻi disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

12. Limitation of Liability

To the maximum extent permitted by law, USD Hawaiʻi shall not be liable for:

• Indirect, incidental, or consequential damages

• Loss of profits, revenue, data, or business opportunities

• Delays, interruptions, or service unavailability

Total liability, if any, shall not exceed the amount you paid to USD Hawaiʻi in the preceding 12 months.

13. Termination

You may stop using the Services at any time.

USD Hawaiʻi may suspend or terminate your access:

• For violations of these Terms

• To comply with legal or regulatory obligations

• To protect the integrity or security of the platform

14. Governing Law

These Terms are governed by the laws of the State of Hawaiʻi, without regard to conflict-of-law principles.

15. Changes to These Terms

We may update these Terms from time to time. Updated Terms will be posted on the website with a revised “Last updated” date.

Continued use of the Services constitutes acceptance of the updated Terms.

16. Contact

For questions about these Terms, please contact:

USD Hawaiʻi

Email: support@usdhawaii.com

Website: www.usdhawaii.com