Terms of use

Last updated: 10 January 2026

These Terms of Use (the "Terms") govern the relationship between you (the "End User", "you") and Cryptix Limited, trading as NowRamp ("NowRamp", "we", "us", "our"), by setting out the terms and conditions under which NowRamp provides its Services to End Users through its website(s), widgets, and/or application programming interfaces ("APIs").

For certain services or features, these Terms may include or be supplemented by additional terms and conditions, including terms of third-party service providers. Please review Clause 9 et seq. for further information.


1. Applicability and Eligibility

1.1 Acceptance of Terms

By accessing or using the website or Services, you accept these Terms either by virtue of such use or by explicitly agreeing to them prior to using the Services.

By using the Services and agreeing to these Terms and our Privacy Policy, you provide informed consent for the necessary sharing of your data with selected third-party service providers for the purpose of facilitating transactions. Additional or repeated consent will not be requested at each instance of data sharing, unless required by applicable law.

1.2 Eligibility

To be eligible to use the Services, you must:

  • be at least 18 years old;
  • have the legal capacity to enter into binding agreements; and
  • reside in, or access the Services from, a jurisdiction in which the Services are legally available.

2. Services

2.1 Scope of Services

NowRamp provides technical infrastructure services as described in these Terms.

2.2 Technical Infrastructure Only

NowRamp is solely a provider of technical infrastructure that allows supply and demand for conversion services to find each other. NowRamp:

  • does not sell, buy, or exchange cryptocurrencies;
  • does not convert fiat currency into cryptocurrencies or vice versa;
  • does not act as a payment service provider, exchange, broker, custodian, or financial intermediary;
  • does not act as a Third-Party Provider in any capacity.

NowRamp is not a party to any transactions between End Users and Third-Party Providers and does not take custody of End User funds or crypto assets at any stage.

2.3 No Transaction Support

NowRamp does not and cannot provide customer support in relation to transactions between End Users and Third-Party Providers, including but not limited to:

  • identification or verification procedures (KYC/AML);
  • transaction monitoring;
  • cancellations, refunds, chargebacks, or transaction limits.

Any contractual relationship relating to a transaction exists solely between the End User and the relevant Third-Party Provider and is governed by that provider's own terms and conditions.

2.4 Data Processing

To provide and optimise the Services, NowRamp processes a limited amount of user data in accordance with its Privacy Policy. All personal data entered and processed in connection with transactions is governed exclusively by the privacy policies of the relevant Third-Party Providers, which must be accepted by the End User when using their services.

2.5 No Facilitation of Transactions

NowRamp does not facilitate transactions. End Users independently initiate and complete all transactions directly through Third-Party Providers. NowRamp is not involved in the formation, execution, or settlement of any transaction.

3. Intellectual Property

3.1 Ownership

No transfer of intellectual property rights shall occur as a result of your use of the Services or acceptance of these Terms.

All intellectual property rights in and to the website, widgets, APIs, software, trademarks, designs, documentation, and related materials are owned by or licensed to NowRamp.

A limited, non-exclusive, non-transferable license is granted to End Users solely for the purpose of accessing and using the Services for their intended purpose.

4. Warranties

4.1 Third-Party Transactions

As NowRamp is not a party to transactions between End Users and Third-Party Providers, NowRamp makes no representations or warranties with respect to such transactions or the services of Third-Party Providers.

4.2 "As Is" Services

The Services are provided on an "as is" basis. Without limiting the foregoing, NowRamp makes no representations or warranties regarding:

  • the uptime, availability, reliability, or error-free operation of the Services;
  • the accuracy, completeness, or timeliness of information displayed via the website, widgets, or APIs, including pricing, fees, conversion rates, or availability;
  • the legality, security, reliability, or suitability of services offered by Third-Party Providers; or
  • the correctness or reliability of third-party implementations of NowRamp's APIs or widgets.

5. User Warranties

5.1 Prohibited Conduct

You shall not:

  • copy, modify, reverse engineer, decompile, or create derivative works from the Services;
  • collect or harvest personal data without lawful basis or consent;
  • interfere with the operation or security of the Services;
  • provide false, misleading, or inaccurate information;
  • enter into these Terms on behalf of a third party without authority; or
  • violate any applicable laws or regulations.

6. Limitation of Liability

6.1 No Transaction Liability

NowRamp shall not be liable for any damages arising from transactions between End Users and Third-Party Providers.

6.2 Platform and Information Risks

NowRamp shall not be liable for damages resulting from:

  • inaccurate information displayed via the Services;
  • bugs, errors, outages, cyberattacks, or security breaches;
  • incorrect data input by the End User;
  • blockchain or network failures.

Except where attributable to gross negligence or wilful misconduct, liability is excluded to the maximum extent permitted by law.

6.3 Exclusion of Indirect Damages

NowRamp shall not be liable for indirect, special, incidental, exemplary, punitive, or consequential damages, including loss of profits, loss of opportunity, depreciation of digital assets, or regulatory exposure.

6.4 Inherent Crypto Risks

NowRamp shall not be liable for losses arising from market volatility, regulatory changes, technical defects, or risks inherent in crypto assets.

6.5 Liability Cap

NowRamp's aggregate liability towards an End User shall in all cases be limited to EUR 100, or, if lower, the total referral revenue actually received by NowRamp in relation to that End User.

6.6 Availability

The Services may be unavailable due to maintenance, updates, outages, force majeure, or other causes. End Users accept this risk.

7. Term and Termination

7.1 Termination by NowRamp

NowRamp may suspend or terminate access to the Services at any time, with or without notice, at its sole discretion.

7.2 Termination by User

You may stop using the Services at any time.

7.3 Survival

All provisions relating to limitation of liability, disclaimers, and governing law shall survive termination.

7.4 Service Discontinuation

NowRamp may discontinue the Services, in whole or in part, permanently or temporarily, without liability.

8. General

8.1 Severability

If any provision is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.

8.2 Interpretation

Invalid provisions shall be deemed adjusted to reflect the original intent as closely as legally permissible.

8.3 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Cyprus.

8.4 Jurisdiction

The courts of Cyprus shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms.

9. Third-Party and Product-Specific Terms

Certain features or services accessed through NowRamp may be subject to additional terms imposed by Third-Party Providers. Such terms apply in addition to these Terms. End Users are responsible for reviewing and accepting those terms prior to using third-party services.

10. About NowRamp

Cryptix Limited, trading as NowRamp, is a company incorporated under the laws of the Republic of Cyprus.

Registered address: 11 Zinonos Sozou Street, 3rd Floor, Office 303, 175 Nicosia, Cyprus

Company registration number: HE 483489

What NowRamp Does

NowRamp offers a platform-as-a-service orchestration solution enabling third-party platforms, applications, and end users to access multiple fiat-to-crypto and crypto-to-fiat providers through a single technical integration.

What NowRamp Does Not Do

NowRamp:

  • does not offer or sell crypto assets;
  • does not provide exchange, custody, lending, or payment services;
  • does not set exchange rates or fees;
  • does not act as merchant of record;
  • does not take custody or control of user funds or crypto assets;
  • does not require a financial or crypto-asset regulatory licence due to its limited technical role.

1. Applicability and Eligibility

1.1 Acceptance of Terms

By accessing or using the website or Services, you accept these Terms either by virtue of such use or by explicitly agreeing to them prior to using the Services.

By using the Services and agreeing to these Terms and our Privacy Policy, you provide informed consent for the necessary sharing of your data with selected third-party service providers for the purpose of facilitating transactions. Additional or repeated consent will not be requested at each instance of data sharing, unless required by applicable law.

1.2 Eligibility

To be eligible to use the Services, you must:

  • be at least 18 years old;
  • have the legal capacity to enter into binding agreements; and
  • reside in, or access the Services from, a jurisdiction in which the Services are legally available.

2. Services

2.1 Scope of Services

NowRamp provides technical infrastructure services as described in these Terms.

2.2 Technical Infrastructure Only

NowRamp is solely a provider of technical infrastructure that allows supply and demand for conversion services to find each other. NowRamp:

  • does not sell, buy, or exchange cryptocurrencies;
  • does not convert fiat currency into cryptocurrencies or vice versa;
  • does not act as a payment service provider, exchange, broker, custodian, or financial intermediary;
  • does not act as a Third-Party Provider in any capacity.

NowRamp is not a party to any transactions between End Users and Third-Party Providers and does not take custody of End User funds or crypto assets at any stage.

2.3 No Transaction Support

NowRamp does not and cannot provide customer support in relation to transactions between End Users and Third-Party Providers, including but not limited to:

  • identification or verification procedures (KYC/AML);
  • transaction monitoring;
  • cancellations, refunds, chargebacks, or transaction limits.

Any contractual relationship relating to a transaction exists solely between the End User and the relevant Third-Party Provider and is governed by that provider's own terms and conditions.

2.4 Data Processing

To provide and optimise the Services, NowRamp processes a limited amount of user data in accordance with its Privacy Policy. All personal data entered and processed in connection with transactions is governed exclusively by the privacy policies of the relevant Third-Party Providers, which must be accepted by the End User when using their services.

2.5 No Facilitation of Transactions

NowRamp does not facilitate transactions. End Users independently initiate and complete all transactions directly through Third-Party Providers. NowRamp is not involved in the formation, execution, or settlement of any transaction.

3. Intellectual Property

3.1 Ownership

No transfer of intellectual property rights shall occur as a result of your use of the Services or acceptance of these Terms.

All intellectual property rights in and to the website, widgets, APIs, software, trademarks, designs, documentation, and related materials are owned by or licensed to NowRamp.

A limited, non-exclusive, non-transferable license is granted to End Users solely for the purpose of accessing and using the Services for their intended purpose.

4. Warranties

4.1 Third-Party Transactions

As NowRamp is not a party to transactions between End Users and Third-Party Providers, NowRamp makes no representations or warranties with respect to such transactions or the services of Third-Party Providers.

4.2 "As Is" Services

The Services are provided on an "as is" basis. Without limiting the foregoing, NowRamp makes no representations or warranties regarding:

  • the uptime, availability, reliability, or error-free operation of the Services;
  • the accuracy, completeness, or timeliness of information displayed via the website, widgets, or APIs, including pricing, fees, conversion rates, or availability;
  • the legality, security, reliability, or suitability of services offered by Third-Party Providers; or
  • the correctness or reliability of third-party implementations of NowRamp's APIs or widgets.

5. User Warranties

5.1 Prohibited Conduct

You shall not:

  • copy, modify, reverse engineer, decompile, or create derivative works from the Services;
  • collect or harvest personal data without lawful basis or consent;
  • interfere with the operation or security of the Services;
  • provide false, misleading, or inaccurate information;
  • enter into these Terms on behalf of a third party without authority; or
  • violate any applicable laws or regulations.

6. Limitation of Liability

6.1 No Transaction Liability

NowRamp shall not be liable for any damages arising from transactions between End Users and Third-Party Providers.

6.2 Platform and Information Risks

NowRamp shall not be liable for damages resulting from:

  • inaccurate information displayed via the Services;
  • bugs, errors, outages, cyberattacks, or security breaches;
  • incorrect data input by the End User;
  • blockchain or network failures.

Except where attributable to gross negligence or wilful misconduct, liability is excluded to the maximum extent permitted by law.

6.3 Exclusion of Indirect Damages

NowRamp shall not be liable for indirect, special, incidental, exemplary, punitive, or consequential damages, including loss of profits, loss of opportunity, depreciation of digital assets, or regulatory exposure.

6.4 Inherent Crypto Risks

NowRamp shall not be liable for losses arising from market volatility, regulatory changes, technical defects, or risks inherent in crypto assets.

6.5 Liability Cap

NowRamp's aggregate liability towards an End User shall in all cases be limited to EUR 100, or, if lower, the total referral revenue actually received by NowRamp in relation to that End User.

6.6 Availability

The Services may be unavailable due to maintenance, updates, outages, force majeure, or other causes. End Users accept this risk.

7. Term and Termination

7.1 Termination by NowRamp

NowRamp may suspend or terminate access to the Services at any time, with or without notice, at its sole discretion.

7.2 Termination by User

You may stop using the Services at any time.

7.3 Survival

All provisions relating to limitation of liability, disclaimers, and governing law shall survive termination.

7.4 Service Discontinuation

NowRamp may discontinue the Services, in whole or in part, permanently or temporarily, without liability.

8. General

8.1 Severability

If any provision is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.

8.2 Interpretation

Invalid provisions shall be deemed adjusted to reflect the original intent as closely as legally permissible.

8.3 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Cyprus.

8.4 Jurisdiction

The courts of Cyprus shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms.

9. Third-Party and Product-Specific Terms

Certain features or services accessed through NowRamp may be subject to additional terms imposed by Third-Party Providers. Such terms apply in addition to these Terms. End Users are responsible for reviewing and accepting those terms prior to using third-party services.

10. About NowRamp

Cryptix Limited, trading as NowRamp, is a company incorporated under the laws of the Republic of Cyprus.

Registered address: 11 Zinonos Sozou Street, 3rd Floor, Office 303, 175 Nicosia, Cyprus

Company registration number: HE 483489

What NowRamp Does

NowRamp offers a platform-as-a-service orchestration solution enabling third-party platforms, applications, and end users to access multiple fiat-to-crypto and crypto-to-fiat providers through a single technical integration.

What NowRamp Does Not Do

NowRamp:

  • does not offer or sell crypto assets;
  • does not provide exchange, custody, lending, or payment services;
  • does not set exchange rates or fees;
  • does not act as merchant of record;
  • does not take custody or control of user funds or crypto assets;
  • does not require a financial or crypto-asset regulatory licence due to its limited technical role.