Avisos legales y divulgaciones

This page provides important legal notices and disclosures about Arx Finance LLC (“Arx Finance LLC”, “we”, “our”, or “us”) and your use of our website and services.

These notices should be read together with our:

Terms & Conditions (https://arxfinance.io/terms),

Privacy Policy (https://arxfinance.io/privacy),

Jurisdictions page (https://arxfinance.io/jurisdictions), and

Prohibited Businesses page (https://arxfinance.io/prohibited).

By accessing or using our website or services, you acknowledge that you have read and understood these documents.

1. General Information – Not a Bank, Not Investment Advice

Arx Finance LLC is a Florida limited liability company that operates a principal-only over-the-counter (OTC) on/off-ramp for U.S. dollars and certain permitted digital assets/stablecoins. We serve business and professional users, including SMEs, entrepreneurs, digital nomads, and similar clients with legitimate business purposes.

We are not a bank, credit union, trust company, broker-dealer, or investment adviser.

We do not offer deposit accounts, savings accounts, interest-bearing or yield products, staking, lending, or investment funds.

Funds and digital assets transacted through Arx Finance LLC are not insured by the FDIC, SIPC, or any other deposit insurance or investor protection scheme.

Nothing on our website, in our communications, or in our materials should be construed as legal, tax, accounting, or investment advice. You are solely responsible for obtaining advice from your own professional advisers.

2. Regulatory and Jurisdictional Notice

Arx Finance LLC is organized in the State of Florida and focuses on:

clients based in Florida, and

non-U.S. persons who maintain U.S. bank accounts and use Arx Finance LLC to move funds between fiat and digital assets for legitimate business purposes.

Our services are provided in accordance with U.S. federal and Florida law, including anti–money laundering (AML), counter–terrorist financing (CTF), sanctions, and other obligations that apply to money services businesses and similar financial intermediaries.

We do not market or provide services in every jurisdiction. In particular:

Our services are not intended for retail consumers in the United Kingdom or other jurisdictions where we are not appropriately registered or authorized.

We do not provide services to residents of Prohibited Jurisdictions, as listed and updated on our Jurisdictions page.

Access to our website from a particular country does not imply that Arx Finance LLC is authorized or willing to offer services there.

3. Privacy Notice (GLBA and Similar Laws)

As a company engaged in financial activities, Arx Finance LLC is subject to U.S. privacy and data security requirements, which include obligations under the Gramm-Leach-Bliley Act (GLBA) and similar laws and regulations.

We collect personal information about you in the normal course of business in order to:

verify your identity and eligibility,

provide and operate our services, and

comply with our legal and regulatory obligations.

We may share personal information with third parties where necessary to:

process and settle transactions,

perform KYC/AML and sanctions screening,

operate our infrastructure (e.g. cloud hosting, e-signature tools, KYC providers), and

comply with legal and regulatory requests.

We maintain physical, electronic, and procedural safeguards designed to protect your personal information and comply with applicable regulations. Our detailed practices are described in our Privacy Policy at:

https://arxfinance.io/privacy

We may provide additional or periodic privacy notices as required by law and will inform you if our practices materially change.

4. Electronic Communications and Transfers Notice

Our clients interact with Arx Finance LLC primarily through electronic channels, including:

the Arx Finance LLC website,

official WhatsApp or similar messaging accounts listed on our site, and

email and electronic document/signature tools.

By using our services, you agree that:

you consent to receive electronic communications, disclosures, and agreements from Arx Finance LLC;

we may use e-signature tools to obtain your legally binding consent and signatures; and

we will treat instructions and confirmations provided via our official electronic channels as valid and binding when sent by an authorized person.

Electronic Fund Transfer Act (EFTA) / Reg E:

Our services are designed for business and professional use, not for personal, family, or household consumer accounts. We do not provide consumer deposit or payment accounts. As a result, some consumer protections under the U.S. Electronic Fund Transfer Act (Regulation E) may not apply to your relationship with Arx Finance LLC. You should carefully review your own bank’s terms regarding electronic transfers.

If you believe there has been an error or unauthorized instruction relating to a transfer involving Arx Finance LLC, you should contact us and your bank as soon as possible.

5. AML / KYC and Sanctions Compliance Notice

Arx Finance LLC is required by U.S. law and by its banking and compliance partners to implement a robust Anti–Money Laundering (AML), Counter–Terrorist Financing (CTF), and sanctions compliance program.

This means, among other things, that:

we must verify your identity and, where applicable, the identity of beneficial owners, directors, and authorized signatories;

we may request information about your source of funds, source of wealth, and the purpose and expected pattern of your transactions;

we will monitor transactions and wallet activity for unusual or suspicious patterns and may use blockchain analytics and other tools;

we are required to screen you and your transactions against sanctions, PEP, and adverse media lists; and

we may be required to report certain activity to regulators or law enforcement, and in many cases we are prohibited from informing you that such a report has been made.

By onboarding with Arx Finance LLC and using our services, you:

agree to provide complete, accurate, and up-to-date information and documentation upon request;

acknowledge and consent to our AML/KYC, sanctions, and monitoring procedures; and

understand that we may decline onboarding, refuse specific transactions, freeze activity, or terminate a relationship if required by law, our policies, or our banking and vendor partners.

For more detail, please see our Jurisdictions and Prohibited Businesses pages.

6. User Agreement and Contractual Notice

Your use of Arx Finance LLC's services is governed by:

our Terms & Conditions (https://arxfinance.io/terms), and

any Master Service Agreement or other written agreement you sign with Arx Finance LLC (collectively, the “Agreements”).

The Agreements are legally binding contracts that govern:

eligibility and onboarding;

transaction requests, quotes, and execution;

fees, spreads, and other economic terms;

risk management, AML/KYC requirements, and reporting;

liability, indemnity, and dispute resolution.

In the event of any inconsistency between this Legal Notices page and the Agreements, the Agreements will control.

You should read all applicable Agreements carefully before using our services. By onboarding with Arx Finance LLC, you confirm that you have read, understood, and agreed to be bound by them.

7. Digital Asset Risk Disclosure

Digital assets and stablecoins are inherently risky and may not be suitable for everyone. Key risks include, but are not limited to:

Price volatility: The value of digital assets can fluctuate rapidly and unpredictably, including total loss of value.

Market and liquidity risk: There may be limited liquidity, sudden gaps, or disruptions in trading or pricing.

Technology and operational risk: Blockchain networks and related infrastructure can experience bugs, forks, congestion, outages, or other technical failures.

Regulatory and legal risk: Laws and regulations governing digital assets may change quickly, potentially affecting your ability to hold, transfer, or use certain assets.

Counterparty and settlement risk: Transactions depend on the proper functioning of banks, payment systems, blockchain networks, and other parties outside Arx Finance LLC's control.

Irreversibility: Most digital asset transactions are irreversible once broadcast to the network. Mistaken addresses, wrong chains, or unsupported assets can result in permanent loss.

You should only engage in transactions that are appropriate for your financial situation and risk tolerance and only with funds you can afford to lose.

Arx Finance LLC does not provide investment advice. Any information we provide is for educational and operational purposes only, focused on helping businesses use modern financial tools to move funds and manage cross-border payments more efficiently. We do not recommend that you buy, sell, or hold any particular asset, and we do not guarantee any return or outcome. You are solely responsible for your decisions and should consult your own financial, legal, and tax advisers.

8. Changes to These Legal Notices

We may update these Legal Notices & Disclosures from time to time to reflect:

changes in our services or business model,

updates to laws and regulations, or

evolving expectations of regulators, banks, and other partners.

When we do so, we will update the “Last updated” date at the top of this page. Your continued use of our website or services after any update constitutes your acknowledgment and acceptance of the revised notices.

9. Contact Information

If you have any questions about these legal notices, our regulatory status, or how they apply to you, please contact:

Arx Finance LLC – Compliance Department

Arx Finance LLC

14651 Biscayne Blvd, Unit 363

Miami, FL 33181, USA

Email: compliance@arxfinance.io

We will do our best to respond promptly and clearly, bearing in mind our legal and confidentiality obligations.