Terms of Use

1. About us

This website is operated by the Lydiam Group of companies, a collective reference to a number of affiliated legal entities operating in different jurisdictions, including Lydiam Group Ltd (England and Wales), Lydiam Group L.L.C-FZ (Meydan Free Zone, United Arab Emirates), Lydiam Group Sp. z o.o. (Poland), Lydiam Pay Corp. (Canada), and Flumen Pay LLC (United States). Each entity operates independently and in accordance with the laws and regulatory requirements applicable to it.

2. Acceptance of these terms

By accessing or using this website you agree to these Terms of Use. If you do not agree, you should not use the website. We may update these terms from time to time, and your continued use of the website constitutes acceptance of the current version.

3. No offer, advice or solicitation

The content of this website is provided for general information only. It does not constitute an offer, recommendation, solicitation or invitation to enter into any transaction, nor does it constitute investment, legal, tax, accounting or other professional advice. Nothing on this website should be relied upon as a substitute for advice appropriate to your particular circumstances.

Foreign exchange, derivatives, virtual assets and related products carry risk, including the risk of loss. The availability of any product or service depends on your jurisdiction, your eligibility and the entity you contract with.

3A. Reverse solicitation and own initiative

Where a client in the European Union, EEA, United Kingdom or another restricted market engages a Lydiam entity, the client confirms that the relationship with Lydiam began at the client's own initiative; that the client was not solicited, marketed to or advised by Lydiam (or any person acting for Lydiam) prior to first contact; and that the client acknowledges the relevant Lydiam entity is regulated as a money services business and is not authorised in the client's home jurisdiction, and wishes to proceed on that basis.

This clause is supporting documentation only; it does not by itself create the reverse solicitation exemption, which rests on the genuine factual position assessed per client and per service.

4. Eligibility and access

This website and our services are directed at businesses, institutions and qualifying individuals, and are not directed at any person in any jurisdiction where their publication or availability would be contrary to local law or regulation. It is your responsibility to ensure that your use of the website and any service is lawful in your jurisdiction.

5. Intellectual property

All content on this website, including text, graphics, logos, trade marks and design, is owned by or licensed to Lydiam Group and is protected by intellectual property laws. You may view and print content for your own internal, non-commercial use. You may not otherwise copy, reproduce, distribute, modify or create derivative works without our prior written consent.

6. Acceptable use

You agree not to:

• Use the website in any way that is unlawful, fraudulent or harmful, or in breach of these terms.
• Attempt to gain unauthorised access to the website, its servers or any connected systems.
• Introduce malicious code or interfere with the proper operation or security of the website.
• Use the website to transmit unsolicited communications or to collect data about other users.

7. Third-party links and content

This website may contain links to third-party websites and resources. Those links are provided for convenience only. We do not control and are not responsible for the content, products, services or privacy practices of third parties, and the inclusion of a link does not imply endorsement.

8. Disclaimers

While we take reasonable care to ensure the information on this website is accurate and up to date, we make no representations or warranties, express or implied, as to its accuracy, completeness or fitness for any particular purpose. The website is provided on an 'as is' and 'as available' basis. We do not warrant that the website will be uninterrupted, secure or error-free.

9. Limitation of liability

To the fullest extent permitted by law, Lydiam Group and its entities shall not be liable for any loss or damage, whether direct, indirect or consequential, arising out of or in connection with your use of, or inability to use, this website or any reliance on its content. Nothing in these terms excludes or limits any liability that cannot be excluded or limited under applicable law.

10. Privacy and cookies

Your use of this website is also governed by our Privacy Policy and Cookie Policy, which explain how we handle personal data and use cookies.

11. Governing law

These Terms of Use, and any non-contractual obligations arising out of or in connection with them, are governed by the laws applicable to the Lydiam entity that operates the website and provides the relevant service. The governing law and jurisdiction for any product or service you contract for are set out in the separate written agreement with the relevant entity. Where US clients contract with Flumen Pay LLC, the governing law and jurisdiction applicable to that relationship are set out in the relevant Flumen Pay LLC agreement.

12. Contact us

If you have any questions about these Terms of Use, please contact us at info@lydiamgroup.com.