End Customer Referral and Transaction Acceptance Terms

By checking the applicable box and selecting “Accept and Continue,” Customer agrees to these Terms, Grain’s then-current Customer Terms of Service, applicable product, payment-services, transaction, and fee terms, the applicable Privacy Notice, any applicable Data Processing Addendum, and any provider or network terms presented or linked through Grain’s environment (collectively, the “Applicable Terms”).

The Applicable Terms form a legally binding agreement between Grain and Customer. Electronic acceptance has the same effect as a handwritten signature.

If an individual accepts on behalf of a company or other legal entity, that individual represents and warrants that they are authorized to bind that entity. If the individual lacks that authority, the individual must not accept these Terms on the entity’s behalf.

Customer may have reached Grain through a referral link, payment link, button, or other mechanism displayed on a Referring Partner’s website or user interface.

The referral mechanism does not make the Referring Partner Grain’s agent and does not authorize the Referring Partner to approve Customer, quote Grain pricing, accept terms for Grain, submit instructions on Customer’s behalf, or control Customer’s relationship with Grain.

The Referring Partner’s terms do not replace, modify, or supplement the Applicable Terms unless Grain expressly agrees otherwise in writing. Grain may communicate directly with Customer regarding onboarding, compliance, transactions, account activity, service changes, support, and disputes or complaints relating to the Services.

Grain will independently review Customer’s application and may approve, reject, delay, limit, suspend, or terminate Customer’s access to any Service or transaction in Grain’s discretion, subject to Applicable Law and the Applicable Terms.

No Service, account, transaction, corridor, currency, payment method, exchange rate, settlement time, or transaction volume is guaranteed. Clicking a referral or payment link does not by itself open an account, authorize a transaction, or require Grain to provide Services.

No Service is available until Customer has completed the required electronic acceptance, onboarding, KYC/KYB, beneficial-owner review, sanctions screening, fraud and transaction-monitoring review, account activation, funding, and any other requirements specified by Grain or its providers. Grain may conduct these reviews on an ongoing basis.

Customer may provide information and KYC/KYB materials directly to Grain through Grain’s secure onboarding link or interface. To the extent Customer has authorized the Referring Partner to share information and Applicable Law permits, Customer also authorizes the Referring Partner to provide Customer information and KYC/KYB materials to Grain through a Grain-approved secure API, data-sharing connection, or onboarding interface.

Grain may work with the Referring Partner to obtain or confirm information and may require Customer to provide or confirm information directly.

Customer authorizes Grain to collect, use, retain, and disclose Customer information as described in the Applicable Terms and as reasonably necessary for onboarding, beneficial-owner review, sanctions screening, fraud prevention, transaction monitoring, source-of-funds review, compliance, account administration, service provision, error resolution, provider requirements, and legal or regulatory requirements.

Customer represents that information provided by or on behalf of Customer is accurate, current, complete, and lawfully provided. Grain may reject or delay onboarding or a transaction if required information is missing, inaccurate, outdated, or cannot be verified.

Before Customer confirms a transaction, Grain will display or otherwise make available the material transaction details then applicable, which may include the transaction amount, funding asset or method, payout currency, exchange or conversion rate, Grain fees, network or third-party fees, taxes or other charges, estimated settlement amount, and any applicable expiration time (the “Transaction Details”).

Customer must review the Transaction Details before selecting “Confirm Transaction,” “Submit Payment,” “Authorize,” or an equivalent confirmation action. By selecting that action, Customer authorizes Grain to process the transaction on the basis of the Transaction Details displayed at that time and agrees to pay the displayed fees and charges.

A quote, rate, fee, or settlement amount may change or expire before Customer confirms the transaction. Customer’s confirmation does not require Grain to accept or complete the transaction. A transaction is accepted only when Grain confirms acceptance or begins processing it, as applicable under the Applicable Terms.

Except where required by Applicable Law or expressly stated in the Applicable Terms, fees are non-refundable and may be adjusted for network costs, provider charges, returns, reversals, chargebacks, failed transactions, corrections, taxes, or other transaction adjustments.

Customer is responsible for the accuracy and completeness of Customer’s identity, beneficial-owner, account, wallet, payment, beneficiary, transaction, payment-purpose, source-of-funds, tax, and other information and instructions.

Customer will not use the Services for unlawful, fraudulent, deceptive, sanctioned, restricted, or prohibited activity and will comply with the Applicable Terms and Applicable Law.

Customer will maintain the security of its credentials and promptly notify Grain of suspected unauthorized access, fraud, inaccurate information, or a security incident. Customer is responsible for the acts and omissions of its users and persons acting on its behalf, as provided in the Applicable Terms.

Grain may use banks, payment processors, foreign-exchange providers, liquidity providers, blockchain networks, compliance vendors, and other third-party providers in providing Services.

Transactions may be rejected, delayed, limited, returned, reversed, frozen, or cancelled as required by Applicable Law, sanctions controls, provider requirements, risk controls, network conditions, liquidity, operational constraints, or other circumstances described in the Applicable Terms.

The Applicable Terms govern Grain’s role, any custody or no-custody arrangement, transaction finality, provider dependencies, service availability, liability limits, suspension rights, and termination rights.

Grain may suspend or terminate Customer’s access, decline, stop, or reverse a transaction where permitted, or restrict a corridor, currency, payment method, account, beneficiary, or Service where Grain reasonably determines that action is necessary for legal, regulatory, banking, provider, sanctions, fraud, security, operational, or other material risk reasons.

Grain may disable access through any Grain-controlled referral or payment link. Grain is not responsible for the Referring Partner’s website, user interface, products, services, invoices, or communications.

If a Service is discontinued or restricted, Grain may provide a wind-down period for pending activity only where legally and operationally permitted and subject to provider approval, transaction status, required compliance checks, and the Applicable Terms. Grain may shorten or eliminate any wind-down period where continued processing could create legal, regulatory, sanctions, banking, fraud, security, or operational risk.

Customer consents to electronic records, notices, communications, and signatures. Grain may retain these Terms, the Applicable Terms, acceptance language, versions displayed, Customer’s identity and account information, the date and time of acceptance, IP address, device information, Transaction Details, and other records as evidence of Customer’s acceptance and transactions.

Customer agrees that Grain may provide notices and communications electronically through Grain’s platform, email, dashboard, or another contact method associated with Customer’s account, subject to the Applicable Terms.

Grain will manage inquiries, disputes, and complaints relating to the Services or a transaction in accordance with the Applicable Terms and, where applicable, in coordination with Grain’s banking and other service providers.

Customer remains responsible for disputes or complaints concerning the Referring Partner’s products, services, invoices, commercial arrangements, or conduct. Grain may request information from Customer or the Referring Partner as reasonably necessary to investigate or address a transaction-related inquiry, dispute, or complaint.

If there is a conflict among the Applicable Terms, the following order applies solely to the subject matter of that conflict:

1. a transaction-specific confirmation or Transaction Details accepted by Customer;
2. applicable product, payment-services, transaction, or provider terms, solely with respect to the applicable Service or provider requirement;
3. Grain’s Customer Terms of Service;
4. these Terms; and
5. the Privacy Notice and applicable Data Processing Addendum, solely with respect to their respective subject matter.

The Referring Partner is not a party to these Terms and has no right to enforce them. No person other than Grain and Customer has rights under these Terms, except to the extent expressly stated in an applicable provider term.