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Annex 3: Loans Agreement

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Valid from: 2020-07-03

Loans Agreement

Thank you for choosing SpectroCoin. The following SpectroCoin Loans Agreement (referred to herein as the "Agreement") applies and you agree to it if you use loans services, offered on the Site (the "Loans"). You should read this Agreement carefully if you use Loans service.

Loans services are operated by SpectroCoin partner company (the "Partner"). Please read our Partner's Terms and Conditions pertaining to the Loan services as they are part of the Agreement. Please also familiarize with the Partner's Privacy Policy as it describes how your personal data will be processed.


  1. Interpretation and Definitions

    1. In this Agreement all definitions will have the meaning assigned to them under the General Terms and Conditions (the "Terms") which can be found on the Site. Additional definitions may be provided throughout this Agreement. Separate definitions can be settled in the Partner's terms and conditions.
    2. This Agreement should be interpreted in accordance with the rules of interpretation set out in the Terms.
    3. The matters not regulated by this Agreement, including but not limited to eligibility, creating account with SpectroCoin, fees, liability and indemnification, are regulated by the Terms. All other matters and every detail of the Loan service use are regulated by the Partner's terms and conditions.
  2. Scope of Agreement and Acceptance

    1. This Agreement is applicable if and when you use Loan services.
    2. By taking the first action required to use Loan services, you acknowledge that you have read, understood, and completely and unconditionally agree to be bound by and accept this Agreement, its terms and conditions, and all the policies and guidelines that are incorporated herein by reference. If you do not agree with the Agreement and/or individual provisions of the Agreement, you cannot use the Loan services.
    3. You can start using Loan services by following the instructions provided in the Loans area of the Site.
  3. Partner and Loan services

    1. At all times the Loans services are provided by the Partner.
    2. SpectroCoin allows you to access Loan services via the Site. To access Loan services your Site login information shall be used.
    3. Loan services allow you to get Loan against Virtual Currency collateral.
    4. We can change the Partner at our sole discretion. You will be informed about that.
  4. Liability and Indemnification

    1. SpectroCoin will not be liable for any direct or indirect loss or damage you may incur as a result of your total or partial use or inability to use Loan services.
    2. In the event that you do not use Loan services in accordance with this Agreement or we find that you are using Loan services fraudulently, we reserve the right to charge you for any reasonable costs that we incur in taking action to stop you using such services and to recover any amount owed as a result of your activities.
    3. You will be liable for all losses, costs and expenses incurred by us or the Partner in respect of an unauthorized transaction where you have acted fraudulently or have with intent or gross negligence failed to comply with this Agreement and will reimburse all such losses, costs and expenses on demand and on an indemnity basis.
  5. Termination

    1. This Agreement will apply as long as you use Loan services.
    2. If you close your account with the Partner regarding use of the Loan services, this Agreement will be terminated automatically without any separate notice to you.
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