Terms & Conditions

These Terms & Conditions (the "Terms") govern your access to and use of the Yerba Global platform, websites, applications, and application programming interfaces (the "Platform" and, together with the services made available through it, the "Services"), operated by Yerba LLC. By creating an account, accessing, or using the Services, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, do not use the Services.

1. Definitions

In these Terms, the following capitalized words have the meanings given below; other capitalized terms are defined where they first appear.

• "Company," "we," "us," "our" means Yerba LLC, a limited liability company organized in the State of Montana, United States.
• "User," "you," "your" means the natural person or legal entity that accesses or uses the Services.
• "Electronic Money Token" or "Stablecoin" means a digital representation of value that references a fiat currency and is intended to maintain a stable value, including such tokens that are authorized as e-money tokens under applicable law.
• "Order" means an instruction you submit through the Platform to transmit, convert, on-ramp, off-ramp, or pay out value.
• "Licensed Partner" means a regulated exchange, virtual asset service provider, electronic money institution, payment institution, bank, or card-network member that executes a regulated leg of an Order under its own authorization.
• "Applicable Law" means all federal, state, local, and foreign laws, rules, regulations, regulatory guidance, sanctions regimes, and payment-network rules that apply to you or to your use of the Services.
• "Personal Data" means information relating to an identified or identifiable natural person, as further described in our Privacy Policy.

2. Who we are, and the nature of the Services

Yerba LLC is a financial-technology company, not a bank. The Company is registered with the U.S. Financial Crimes Enforcement Network (FinCEN) as a Money Services Business under registration number 31000318247837.

The Platform provides non-custodial software that enables you to initiate and transmit Orders using Electronic Money Tokens. You select the route and transmit the Order. The Company connects your instruction to the appropriate Licensed Partners; it does not decide where your value goes and does not move value of its own initiative.

Custody, currency conversion, and settlement are performed by Licensed Partners, each acting under its own authorization in its own jurisdiction. The Company does not take custody, ownership, or control of your funds or Electronic Money Tokens at any time. Your value remains in your own self-custody wallet, in an account held in your own name, or with a Licensed Partner with which you have a direct relationship.

3. Eligibility

To use the Services you must: (i) be at least 18 years of age or the age of majority in your jurisdiction; (ii) have the legal capacity to enter into a binding contract; (iii) not be located in, ordinarily resident in, or organized under the laws of any country or territory subject to comprehensive economic sanctions, and not appear on any applicable sanctions or denied-party list; and (iv) be permitted to use the Services under the laws applicable to you. You are solely responsible for determining whether your use of the Services is lawful in your jurisdiction.

4. Account registration and verification

To access the Services you must complete onboarding, which includes identity verification (Know Your Customer / Know Your Business, "KYC/KYB"), sanctions screening, and, where applicable, blockchain analytics screening of wallet addresses. Verification may be performed by the Company, by a Licensed Partner, or by a third-party verification provider. You agree to provide information that is accurate, current, and complete, and to keep it up to date. We may refuse, restrict, suspend, or terminate access where required by Applicable Law, by our compliance program, or by a Licensed Partner.

You are responsible for safeguarding your account credentials and any authentication method you use, and for all activity that occurs under your account. Notify us immediately at Support@yerba.global if you suspect unauthorized access.

5. Your Orders and authorization

When you submit an Order through the Platform, you authorize the Company to transmit that instruction, and the relevant information accompanying it, to the applicable Licensed Partner(s) for execution in accordance with your instruction. The submission and validation of an Order through the Services constitutes your authorization and has the same effect as your signature.

Once submitted, an Order may be transmitted and executed immediately and may not be reversible. Where cancellation is technically possible and permitted by the executing Licensed Partner and Applicable Law, you may request cancellation before the Order is settled; we do not guarantee that any cancellation request can be honored.

You are responsible for the accuracy of all Order details, including destination addresses, beneficiary information, amounts, and currency selections. The Company is not responsible for losses arising from inaccurate instructions you provide.

6. Conversion rates, quotes, and risk

Any rate, amount, or quote shown in the Platform before you confirm an Order is an indicative simulation provided by aggregated Licensed Partners. It is for information only and may differ from the final rate at which a conversion or transfer is executed, including as a result of market movement, timing, network conditions, or partner pricing.

You bear the conversion and execution risk. The Company does not take a proprietary position, does not guarantee any exchange rate, and does not assume the risk of rate movement (slippage). Conversion is executed by a Licensed Partner at the rate prevailing at the time of execution, and you accept the result of your own Order.

7. Fees

Fees applicable to an Order, including any fees charged by Licensed Partners, are presented to you before you confirm the Order, or are otherwise published or notified to you. By confirming an Order, you authorize the deduction or collection of the applicable fees. Network or third-party charges associated with your use of the Services are your responsibility.

8. Digital-asset and regulatory risk

Digital assets and Electronic Money Tokens are not legal tender, are not deposits, and are not protected by FDIC, SIPC, or any comparable deposit-insurance or investor-protection scheme. Their value and availability may be volatile and may be affected by market, technological, and regulatory developments. The legal and regulatory treatment of digital assets continues to evolve and may materially and adversely affect the use, transfer, or value of the assets involved in your Orders. You are solely responsible for any tax, reporting, or disclosure obligations arising from your use of the Services.

9. Compliance, sanctions, and acceptable use

Your use of the Services is subject to ongoing compliance monitoring. You agree that you will not use the Services:

• for money laundering, terrorist financing, fraud, sanctions evasion, or any other unlawful purpose;
• on behalf of, or for the benefit of, any sanctioned person or any person on a denied-party list;
• from, or for value destined to, any country or territory subject to comprehensive sanctions, or through anonymizing infrastructure (such as VPNs, TOR exit nodes, or proxies) used to disguise a prohibited location;
• in violation of any Applicable Law or any rule of a Licensed Partner or payment network;
• to infringe the rights of any third party or to transmit malicious code.

We may screen, hold, refuse, reverse where possible, report, or terminate any Order or account, and we may disclose information to Government Agencies, where we reasonably determine this is necessary to comply with Applicable Law or our compliance program. We may be unable, for legal reasons, to inform you of the reason for certain actions.

10. Licensed Partners and third-party services

Regulated legs of your Orders — custody, conversion, settlement, fiat pay-in and pay-out, and card services — are provided by Licensed Partners under their own terms and authorizations. Your use of a Licensed Partner's service may be subject to that partner's own terms and privacy notice. The Company is not a party to, and is not responsible for, the acts or omissions of a Licensed Partner except as expressly stated in these Terms. The Company does not guarantee the availability, performance, or continuity of any Licensed Partner or payment rail.

11. Intellectual property

The Platform, the Services, and all related software, content, and brand features are owned by the Company or its licensors and are protected by intellectual-property laws. We grant you a limited, revocable, non-exclusive, non-transferable right to access and use the Services for their intended purpose, subject to these Terms. You may not copy, modify, reverse-engineer, resell, or create derivative works from the Services except as permitted by Applicable Law. All rights not expressly granted are reserved.

12. Data protection

Our collection, use, and disclosure of Personal Data is described in our Privacy Policy, which forms part of these Terms. We process Personal Data in accordance with the GDPR (for individuals in the EEA), the CCPA/CPRA, the Gramm-Leach-Bliley Act, and other applicable data-protection laws, and we require Licensed Partners and service providers that process Personal Data to maintain appropriate safeguards. Where Personal Data is transferred outside the EEA, such transfers are made under appropriate safeguards, including Standard Contractual Clauses where applicable.

13. Disclaimers

EXCEPT AS EXPRESSLY SET OUT IN THESE TERMS, THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE COMPANY DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY ORDER WILL BE EXECUTED, ACCEPTED, OR COMPLETED.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY WILL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR LOST PROFITS, LOST OPPORTUNITY, OR LOSSES ARISING FROM MARKET MOVEMENT OR EXCHANGE-RATE VARIATION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE COMPANY WILL NOT BE LIABLE FOR EVENTS BEYOND ITS REASONABLE CONTROL, INCLUDING THE ACTS OR OMISSIONS OF LICENSED PARTNERS, PAYMENT NETWORKS, OR BLOCKCHAIN NETWORKS, OR FOR ANY FORCE MAJEURE EVENT.

NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR FRAUD, GROSS NEGLIGENCE, OR WILLFUL MISCONDUCT.

15. Indemnification

You agree to indemnify and hold harmless the Company, its affiliates, and their respective officers, directors, and employees from any claims, losses, liabilities, and reasonable expenses (including legal fees) arising from: (i) your breach of these Terms; (ii) your violation of any Applicable Law or the rights of a third party; (iii) inaccurate Order information you provide; or (iv) your misuse of the Services.

16. Suspension and termination

You may stop using the Services at any time. We may suspend or terminate your access, with or without notice, where required by Applicable Law, by a Licensed Partner, by a Government Agency, or where we reasonably believe you have breached these Terms or present a compliance, fraud, or security risk. Provisions that by their nature should survive termination — including those on intellectual property, data protection, disclaimers, limitation of liability, indemnification, and governing law — will survive.

17. Changes to the Services and to these Terms

We may modify the Services or these Terms from time to time. The most current version of these Terms will always be posted on the Platform, and we will notify you of material changes as required by Applicable Law. Your continued use of the Services after a change takes effect constitutes acceptance of the revised Terms.

18. Complaints

If you have a complaint about the Services, contact Support@yerba.global. We will acknowledge and review your complaint and work in good faith to resolve it within a reasonable period, in accordance with Applicable Law.

19. Governing law and disputes

These Terms, and any dispute arising out of or in connection with them, are governed by the laws of the State of Montana and the applicable federal laws of the United States, without regard to conflict-of-law principles. Subject to Applicable Law, you and the Company agree to attempt in good faith to resolve any dispute informally before commencing formal proceedings. The courts located in the State of Montana will have jurisdiction over any dispute that is not otherwise resolved, except where Applicable Law grants you the right to bring proceedings in another forum.

20. General

These Terms, together with the Privacy Policy and any terms presented to you at the point of an Order, constitute the entire agreement between you and the Company regarding the Services. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a reorganization, merger, or sale of assets. The Company and you are independent parties; nothing in these Terms creates a partnership, agency, or employment relationship.

21. Contact

Yerba LLC
1001 South Main Street, Kalispell, MT 59901, United States
Support: Support@yerba.global · General: hola@yerba.global