2. Who are we?

LetKnow refers to LetKnow OÜ, a private limited company registered in Estonia under reg. 14494307 whose registered office is at Viru väljak 2, Tallinn 10111, Estonia. LetKnow OÜ operates through its Bulgarian branch - LetKnow OÜ Branch Bulgaria, an entity established in the Republic of Bulgaria the under UIC 207356428 whose registered office is at 10 St., FL. 1, Plovdiv 4000, Bulgaria. LetKnow OÜ Branch Bulgaria is registered with the Bulgarian National Revenue Agency (NRA) to provide crypto-asset services in the European Union under the transitional framework for Crypto-Asset Service Providers (CASPs) under reg. nr. BB-168.

LetKnow offers a crypto-asset payment processing platform (the “LetKnow Pay Platform”) designed to enable business users (merchants) who meet our eligibility requirements to accept virtual asset payments from their customers. The LetKnow Pay Platform provides a general framework for accessing such services, including payment gateway setup, transaction settlement infrastructure, and optional exchange functionalities. However, the actual provision of services, specific terms, and fees are always governed by separate merchant or product-specific agreements and are not covered by these. Any fiat settlement services are provided through third-party regulated financial institutions partnering with LetKnow. LetKnow does not custody or process any fiat payments.

In limited cases, services offered by LetKnow may also be provided to individuals, subject to applicable onboarding, AML/KYC, and eligibility criteria determined by LetKnow.

3. Our Website

The content on the LetKnow website is provided for informational purposes only. It does not constitute an offer, solicitation, or recommendation to use the LetKnow services or engage in any transaction. Service availability and conditions are subject to prior approval, eligibility assessment, and contractual agreement with LetKnow.

While we strive to keep our websites accurate and up to date, LetKnow does not guarantee the completeness, accuracy, or timeliness of the information provided. Reliance on website information is at your own risk. Please contact LetKnow directly for definitive service information.

You may not access or use the website unless you fully accept and comply with these Terms and all related policies.

We aim to make the website available continuously; however, LetKnow does not guarantee uninterrupted access. Downtime may occur due to maintenance, technical failures, or regulatory obligations.

The website content is subject to change without prior notice.

4. Eligibility Requirements

Access to our services is limited to users who:

• are legally capable of entering into binding agreements;
• are not subject to any EU, UN, or OFAC sanctions;
• reside or are incorporated in jurisdictions where LetKnow is lawfully permitted to operate;
• comply with all applicable anti-money laundering (AML) and counter-terrorism financing (CTF) rules, including identity verification obligations under Directive (EU) 2018/843 (AMLD5) and local Bulgarian legislation; and
• successfully complete all required client verification and onboarding checks.

All users, including both individuals and legal entities, are required to comply with all EU and national anti-money laundering and counter-terrorist financing legislation, including but not limited to Directive (EU) 2025/XX ("AMLD6"), Regulation (EU) 2024/XX ("AMLR"), and the requirements of the EU Anti-Money Laundering Authority (AMLA).

• Clients must submit to initial and ongoing identity verification, beneficial ownership disclosure, and documentation as required by law. This includes providing government-issued identification, proof of address, source of funds, and Ultimate Beneficial Owner (UBO) details for entities.
• We reserve the right to conduct ongoing monitoring, require updated documents, and perform enhanced due diligence (EDD) where necessary, including on politically exposed persons (PEPs).
• All transactions are subject to automated and manual monitoring for the detection and reporting of suspicious activities, as well as to ensure compliance with cash transaction limits; We are required to report suspicious activities, large or unusual transactions, and breaches of transactional limits to the relevant authorities. Service may be suspended or terminated if non-compliance is detected.
• Access to services is not permitted for individuals or entities located in countries subject to EU, UN, or OFAC sanctions or other restrictions.
• We reserve the right to suspend, restrict, or terminate accounts at our sole discretion where there is reasonable suspicion of illegal activity, non-compliance, or upon request of competent authorities.
• To the fullest extent permitted by law, the provider disclaims any liability for losses arising from the suspension or termination of services required by AML/CFT obligations or for the confiscation of assets in compliance with regulatory orders.
• All users agree that these additional AML/CFT terms may be reviewed and amended in accordance with regulatory developments and that continued use of our services constitutes acceptance of all modifications.
• Users agree to cooperate with official investigations and requests for information as required by national or EU authorities.
• Users must report any incidents of breach within 5 working day of occurrence to the competent law enforcement authority.
• To the fullest extent permitted by law, the provider disclaims any liability for losses arising from incorrect handling of credentials, including passwords sent or received in any form, whether by paper, electronic, secure channels, or any other method. Users acknowledge and agree that failure to follow these security obligations, including weak password management or delayed reporting of suspected breaches, may result in loss or unauthorized access for which the provider will not be held liable.

5. User Obligations

The user bears sole responsibility for ensuring the full security of their account by regularly changing passwords, enabling third-party authentication, and using any additional security measures such as specific limits or codewords as instructed or offered beyond the default authentication methods. A charge for implementing such additional security measures may apply and will be negotiable upon request.

6. Privacy

LetKnow undertakes to protect any information of its customers at any time by appropriate and state-of-the-art measures. Details about the handling of personal data, data protection and data security are defined in the LetKnow Privacy Policy.

7. Third-Party Links

Links to external websites are provided for convenience only. LetKnow does not control or endorse such third-party content, and disclaims all liability for their accuracy, legality, or data protection practices. Users must review external websites’ own legal and privacy terms. You acknowledge your sole responsibility for, and assume all risk arising from, your use of any third-party websites or resources.

8. Intellectual Property

All website content (text, logos, images, software) and the LetKnow Pay Platform is owned or licensed by LetKnow and protected under intellectual property law. You may not copy, reuse, or modify it for commercial purposes without prior written consent.

By posting or uploading content to our website, you grant LetKnow a non-exclusive, royalty-free, worldwide, perpetual license to use, reproduce, and distribute such content, including for compliance or promotional purposes, unless otherwise limited by applicable law or privacy regulations.

9. Modification of Terms

We may modify or revise these Terms at any time. Changes become effective upon publication on the website. Material changes may be notified by email or other means. Continued use of the website or our services constitutes acceptance of the amended Terms.

10. Limitation of Liability

We are liable to you in all cases of contractual and non-contractual liability in the event of intent and gross negligence in accordance with the statutory provisions for damages and reimbursement of losses.

To the extent permitted by applicable law, LetKnow or any of its affiliates or vendors (or any officers, directors, employees or agents of the company or its affiliates or vendors) will not be liable and you agree not to hold them responsible, for any indirect, incidental, consequential, special, or exemplary damages (however or whenever arising), including, without limitation, damages for lost revenue, lost profits, anticipated profits, lost business or injury to business reputation, cost of procurement of substitute services, under any theory of liability or cause of action whether in tort (including negligence), contract or otherwise, regardless of whether it has been advised of the possibility of such damages.

To the extent permitted by applicable law, LetKnow is not liable for a delay or failure to perform our obligations (including any delay in payment) by reason of any cause beyond our reasonable control including but not limited to any action or inaction by you or any third party, any event which is beyond our reasonable control including without limit any market disruption, acts or restraints of government(s) or public authorities, war, revolution, strikes or other industrial action, fire, flood, natural disaster, explosion, terrorist action, the suspension or limitation of trading by any execution venue, or any breakdown, failure, defective performance or malfunction of any telecommunications settlement or other equipment or system, bank delay, postal delay, failure or delay of any fax or electronic transmission, any accident, emergency, act of god or any abnormal or unforeseeable circumstances as well as a lack of funds and/or failure of network services.

LetKnow is not a party to any underlying obligations as may exist between a payer and a payee to a crypto-asset payment transaction executed using the LetKnow Pay Platform and accepts no responsibility for the performance of any such underlying obligations or the products and/or services that payment transactions relate to.

11. Entire Agreement

These Terms, together with the LetKnow Privacy Policy, our AML Policy, and any additional notices published on this website, constitute the entire agreement between you and LetKnow regarding website use.

12. Governing Law and Jurisdiction

These Terms are governed by the laws of the Republic of Bulgaria. Any disputes shall be subject to the exclusive jurisdiction of the competent Bulgarian courts, unless otherwise required by mandatory EU consumer protection or data privacy laws. LetKnow reserves the right to pursue remedies in other jurisdictions if necessary.

13. Contact

For legal, compliance, or support queries, please contact us at: [email protected].

If you would like to log a complaint with us, please email us at: [email protected].