This California Digital Financial Asset Disclosure Statement (this “Disclosure Statement”) is provided by Red Leaf Chicago, LLC d/b/a DigitalMint, an Illinois limited liability company with a business address at 301 W Grand Ave #383, Chicago, IL 60654 (“DigitalMint,” “we,” “us,” or “our”), to each California resident customer, counterparty, authorized representative, or other person to whom DigitalMint provides digital financial asset business activity within the meaning of the California Digital Financial Assets Law. DigitalMint provides a single, limited regulated service: facilitating the acquisition and delivery of virtual currency to enable victims of ransomware and cyber-extortion incidents to make settlement payments to threat actors. DigitalMint is a Financial Crimes Enforcement Network (FinCEN)-registered money services business and holds money transmitter licenses in various U.S. states.
This Disclosure Statement is intended to be provided separately from DigitalMint’s engagement agreement, Statement of Work, Terms of Service, pricing or fee terms, Privacy Policy, settlement documentation, transaction records, and other customer-facing materials. It is intended to describe, in a clear and conspicuous manner, certain disclosures required under California Financial Code Section 3501 and related provisions of the California Digital Financial Assets Law, as applied to DigitalMint’s limited ransomware-payment-assistance service.
This Disclosure Statement does not replace DigitalMint’s engagement agreement, Statement of Work, Terms of Service, or any applicable settlement documentation, pricing terms, onboarding documentation, or written instructions between you and DigitalMint. If any term of this Disclosure Statement is inconsistent with a mandatory requirement of applicable California law, California law will control solely to the extent required.
1. Covered Services
DigitalMint provides a limited, specialized digital financial asset service: facilitating the acquisition and delivery of virtual currency exclusively to enable victims of ransomware and cyber-extortion incidents to make settlement payments to threat actors. DigitalMint sources virtual currency, converts client fiat currency into the virtual currency required for a settlement, and transmits that virtual currency at the client’s direction in connection with a ransomware incident. Unless otherwise agreed in writing, each transaction is a bilateral transaction between you and DigitalMint acting as principal. DigitalMint does not operate a public order book, trading platform, exchange, brokerage account, or direct market access; does not offer general-purpose digital asset trading, investment, or speculation services; does not provide long-term custody, wallet, or safekeeping services; and does not act as your financial, investment, tax, legal, or trading adviser.
Depending on the scope of services set forth in your engagement agreement or Statement of Work, and subject to DigitalMint’s compliance review, DigitalMint may provide some or all of the following services solely in connection with a ransomware or cyber-extortion settlement:
(a) sourcing and acquisition of supported virtual currency required to satisfy a ransom demand;
(b) conversion of client fiat currency into the virtual currency specified for the settlement payment;
(c) facilitation, execution, and settlement of the virtual currency payment to the threat actor’s designated address at your direction;
(d) short-term, transaction-related handling of virtual currency solely as necessary to effect a specific settlement payment, and not long-term custody, safekeeping, or hosted-wallet services;
(e) receipt and transfer of client fiat currency in connection with a ransomware settlement payment;
(f) sanctions screening, blockchain analytics, and compliance due diligence on the threat actor, the demand, and the destination address before facilitating any payment;
(g) coordination with your incident response stakeholders, including legal counsel, insurance carriers, negotiators, and cyber forensic firms, in connection with the settlement; and
(h) documentation, transaction records, and reporting evidencing each step of the settlement transaction.
DigitalMint may determine, in its sole discretion and subject to applicable law, which virtual currencies, fiat currencies, settlement methods, and client and incident types it supports. DigitalMint may decline, suspend, restrict, delay, or refuse to facilitate any payment or service where it determines that doing so is required or advisable for legal, regulatory, sanctions, anti-money laundering, counter-terrorist financing, fraud prevention, or risk management reasons, including where a payment may be prohibited by, or expose any party to, liability under U.S. or other applicable sanctions laws.
2. Fees and Charges
DigitalMint may assess fees, charges, spreads, commissions, conversion charges, network or miner fees, wire or banking fees, third-party fees, or other charges in connection with sourcing, converting, and transmitting virtual currency for a ransomware settlement.
Fees may be set forth in one or more of the following places:
(a) the applicable fee schedule;
(b) the price quote provided to you before execution;
(c) the confirmation of execution;
(d) the trade confirmation;
(e) written communications between you and DigitalMint; or
(f) other applicable service documentation.
For each settlement transaction, fees may be assessed at the time you engage DigitalMint, at the time a payment is quoted, at execution, at settlement, or at another time disclosed to you. Fees may be determined by a combination of factors such as the size of the settlement payment, the virtual currency required, liquidity or any financing or pre-funding payments, volatility of the requested virtual currency, market conditions, settlement timing, network costs, third-party costs, and any negotiated or engagement-specific pricing terms.
DigitalMint may include its commission, spread, markup, or other compensation in the price at which it sources or delivers the virtual currency, or may disclose fees separately. The estimated applicable fees may be included in the engagement or pricing documentation, and the actual applicable fees will be disclosed in the settlement record, transaction record, or other applicable record provided to you.
DigitalMint will provide at least 14 days’ prior notice before making a change to its fee schedule, pricing terms, Terms of Service, or policies applicable to your engagement if the change has a material impact on digital financial asset business activity with you, unless a shorter period is required or permitted by applicable law or the change is necessary due to exigent legal, regulatory, security, operational, market, or risk-management circumstances.
3. Insurance, Government Guarantees, and Asset Protection
3.1 Digital Assets Are Not Government-Insured
Virtual currency acquired, converted, transferred, or transmitted through DigitalMint in connection with a ransomware settlement is not legal tender and is not insured or guaranteed by the Federal Deposit Insurance Corporation, the National Credit Union Share Insurance Fund, the Securities Investor Protection Corporation, the State of California, the United States, or any other governmental agency.
Virtual currency may lose some or all of its value. DigitalMint does not guarantee the value, liquidity, availability, marketability, or transferability of any virtual currency.
3.2 Client Cash
Where DigitalMint holds client fiat funds pending a settlement, DigitalMint may hold such funds in one or more accounts at insured depository institutions or banking partners. DigitalMint holds such funds only on a short-term basis as necessary to source, convert, and deliver the virtual currency for your settlement payment, and not as a deposit, investment, brokerage, or custody account. DigitalMint may maintain books and records designed to identify customer interests in such funds.
DigitalMint does not guarantee that pass-through FDIC insurance or any other deposit insurance will apply to client fiat funds held pending a settlement. Availability of any such coverage may depend on applicable law, account titling, account records, bank records, customer eligibility, deposit insurance limits, the conduct and records of third parties, and other factors outside DigitalMint’s control.
3.3 Private Insurance
DigitalMint does not offer private insurance for its transactions. DigitalMint does not offer insurance services to its clients or any other party. DigitalMint may, from time to time, make available , transaction-screening or similar services through third-party providers in connection with a settlement payment. Clients of DigitalMint may, at their own choosing, seek out their own private insurance.
Unless DigitalMint expressly confirms otherwise in writing for your engagement or transaction, no private insurance coverage on behalf of DigitalMint should be assumed to apply to your virtual currency, fiat funds, settlement payment, or transaction. No coverage should be assumed to insure against the risk that a threat actor fails to honor any commitment after payment. Any such coverage is subject to the applicable provider’s policy terms, limits, exclusions, conditions, deductibles, claims procedures, underwriting requirements, coverage triggers, and availability.
4. Irrevocability of Transfers and Exchanges
Virtual currency transfers and blockchain transactions are generally irreversible once initiated, broadcast, confirmed, or otherwise accepted by the applicable digital asset network. If a settlement payment is sent to a threat actor’s address, an incorrect address, an incompatible wallet, an unsupported network, a sanctioned address, a compromised address, or an unintended recipient, DigitalMint may be unable to reverse, cancel, recover, or retrieve the assets. Because ransomware settlement payments are made to anonymous or pseudonymous threat actors, the risk of irreversibility is especially significant and DigitalMint cannot, and does not, guarantee that a threat actor will honor any commitment made during communications such as providing a working decryption key, refraining from further demands, or refraining from publishing or misusing data after payment.
A transaction may also become irrevocable before the applicable asset or fiat currency is received by the intended recipient, depending on the applicable network, bank, liquidity provider, trading venue, custodian, settlement process, or other third-party system. Notwithstanding the foregoing, DigitalMint may have contractual or operational rights to void, correct, re-price, reverse, cancel, block, delay, or claw back a transaction or transfer in certain circumstances. These circumstances may include pricing errors, execution errors, routing errors, settlement errors, duplicate settlement, erroneous delivery, network replay, chain reorganizations, network congestion, compliance restrictions, sanctions concerns, fraud alerts, suspicious activity, regulatory instructions, legal process, or unauthorized or mistaken transfers. The existence of these rights does not guarantee that DigitalMint will be able to reverse or recover any transaction or transfer, particularly a payment delivered to a threat actor.
5. Unauthorized, Mistaken, or Accidental Transfers or Exchanges
5.1 DigitalMint’s Liability
DigitalMint’s liability for an unauthorized, mistaken, or accidental transfer or transaction is governed by the specific terms of any engagement agreement, any applicable Statement of Work, Terms of Service, applicable settlement documentation, this Disclosure Statement, and applicable law.
Subject to applicable law, DigitalMint is not responsible for losses arising from:
(a) your mistaken, inaccurate, incomplete, unauthorized, or fraudulent instructions;
(b) instructions submitted by an authorized person appearing to have authority over your account;
(c) your failure to maintain accurate account, wallet, banking, contact, or authorized representative information;
(d) your transfer of digital assets to an incorrect, unsupported, incompatible, compromised, non-whitelisted, or unintended wallet address;
(e) your loss, compromise, or misuse of private keys, credentials, passwords, devices, accounts, communication channels, wallets, or banking access before fiat funds or virtual currency are transferred into DigitalMint’s control;
(f) network congestion, chain reorganizations, protocol failures, forks, validator issues, smart contract errors, node failures, exchange outages, market disruption events, or third-party system failures;
(g) actions or omissions of exchanges, custodians, wallet technology providers, banking partners, liquidity providers, compliance vendors, communication platforms, or other third parties, except to the extent liability cannot be disclaimed under applicable law;
(h) your failure to notify DigitalMint promptly after discovering a suspected unauthorized, mistaken, or accidental transfer or transaction;
(i) market movement, slippage, liquidity conditions, volatility, timing differences, or changes in asset value; or
(j) legal, regulatory, sanctions, law enforcement, court-ordered, or compliance-related holds, freezes, delays, rejections, or restrictions.
The foregoing does not limit any express obligation that DigitalMint has accepted under a signed agreement with you, and does not limit any non-waivable right or remedy you may have under applicable law.
5.2 Your Responsibility to Provide Notice
You must notify DigitalMint immediately if you believe that any transfer, transaction, settlement payment, deposit, account activity, authorized representative activity, wallet address, bank account, or communication is unauthorized, mistaken, accidental, fraudulent, incorrect, or otherwise in error.
Notice should be provided through one or more of the following methods:
Email: cyber@digitalmint.io
Toll-Free Telephone: +1 (855) 274-2900
Your notice should include, to the extent available:
(a) your name and other identifying information;
(b) the relevant transaction ID, trade confirmation, wallet address, bank account, or blockchain hash;
(c) the date, time, asset, amount, and value of the transaction;
(d) a description of why you believe the transfer or exchange was unauthorized, mistaken, accidental, fraudulent, or otherwise in error;
(e) copies of any relevant communications, confirmations, screenshots, or records; and
(f) current contact information where DigitalMint may reach you.
Failure to provide prompt, complete, and accurate notice may reduce the likelihood that DigitalMint can investigate, stop, reverse, recover, correct, or mitigate the transaction or any related loss.
5.3 Basis for Any Recovery
Any recovery from DigitalMint in connection with an unauthorized, mistaken, or accidental transfer or transaction will be determined under the applicable engagement agreement, Statement of Work, Terms of Service, settlement documentation, this Disclosure Statement, and applicable law.
DigitalMint does not guarantee recovery of virtual currency or fiat funds sent to an incorrect address, wrong account, threat actor, unauthorized recipient, unsupported network, third-party wallet, or bank. Where DigitalMint determines that an error occurred, DigitalMint may, in its discretion and subject to applicable law, attempt to correct the error by canceling, re-pricing, reversing, voiding, clawing back, setting off, crediting, debiting, or otherwise adjusting the affected transaction or account.
Recovery may be unavailable, partial, delayed, or subject to third-party cooperation, network functionality, asset availability, regulatory restrictions, insurance terms, legal process, or other limitations.
5.4 Error Resolution Process
DigitalMint will review notices of unauthorized, mistaken, or accidental transfers or transactions using commercially reasonable procedures appropriate to the nature of the issue. DigitalMint may request additional information, documentation, verification, or instructions from you before taking action.
DigitalMint may decline to process or may delay any request that it reasonably believes is incomplete, inaccurate, fraudulent, suspicious, unauthorized, prohibited by law, inconsistent with compliance obligations, or likely to cause harm to DigitalMint, you, another customer, or a third party.
6. Updating Contact Information
You are responsible for keeping your contact information, authorized representative information, wallet addresses, bank account information, settlement instructions, and communication channels accurate and current.
You may update your contact information by contacting DigitalMint through:
Email: cyber@digitalmint.io
Mailing Address: Red Leaf Chicago, LLC d/b/a DigitalMint, 301 W Grand Ave #383, Chicago, IL 60654
DigitalMint may require additional verification before accepting changes to contact information, authorized representative information, bank account information, wallet addresses, or settlement instructions.
7. Timing of Transfers, Exchanges, Debits, Credits, and Settlement
The date or time when you initiate an instruction to make a transfer or exchange may differ from the date or time when:
(a) DigitalMint receives the instruction;
(b) DigitalMint provides a price quote;
(c) you accept the price quote;
(d) DigitalMint confirms execution;
(e) your account is debited;
(f) your account is credited;
(g) the applicable bank, custodian, wallet provider, trading venue, liquidity provider, or digital asset network processes the transaction;
(h) a blockchain transaction is broadcast, pending, confirmed, final, or irreversible;
(i) settlement occurs; or
(j) the transaction appears in your trade confirmation or other record.
Timing may be affected by business hours, banking hours, blockchain confirmation times, network congestion, liquidity availability, transaction screening, sanctions review, anti-money laundering review, fraud controls, whitelisting procedures, third-party delays, outages, market conditions, order size, asset type, settlement method, and other operational or compliance factors.
8. Stop-Payment Rights and Revocation of Authorization
Digital asset transfers and exchanges are generally not subject to traditional stop-payment rights once initiated, executed, broadcast, confirmed, or settled.
Unless DigitalMint expressly agrees otherwise in writing, you generally do not have a right to stop payment, revoke authorization, cancel, reverse, or modify a transaction after:
(a) you accept a price quote and DigitalMint confirms execution;
(b) DigitalMint debits your account or receives your settlement funds;
(c) DigitalMint initiates settlement or sourcing of the virtual currency;
(d) a blockchain transfer is broadcast or confirmed;
(e) fiat funds are released to a bank, payment provider, liquidity provider, or other third party; or
(f) the applicable transfer or exchange otherwise becomes irrevocable.
If you have authorized a future or scheduled transfer, you may revoke that authorization only by providing written notice to DigitalMint in the manner specified in the applicable agreement or authorization, and sufficiently in advance of the scheduled transfer for DigitalMint to act on the request. Unless otherwise required by applicable law, DigitalMint may require at least three business days’ advance notice to process a stop-payment or revocation request for a future transfer.
DigitalMint may reject any stop-payment, revocation, cancellation, or reversal request where the transaction has already been executed, settled, broadcast, confirmed, processed, or otherwise become irreversible, or where honoring the request would violate applicable law, create legal or compliance risk, or conflict with DigitalMint’s contractual or operational obligations.
9. Receipts, Trade Tickets, Confirmations, and Transaction Records
You have the right to receive a receipt in the form of a trade ticket, trade confirmation, transaction record, invoice, or other evidence of each transfer or exchange, as applicable.
For each executed transaction, DigitalMint will provide a settlement record, transaction confirmation, or other written or electronic record containing information appropriate to the transaction. Such record may include:
(a) the name and contact information of DigitalMint;
(b) DigitalMint’s toll-free telephone number;
(c) the type of transaction;
(d) the digital asset, fiat currency, or other asset involved;
(e) the value, date, precise time, and amount of the transaction;
(f) the transaction price quote or execution price, if applicable;
(g) the payment amount or settlement amount, if applicable;
(h) the fees charged for the transaction, including conversion charges, OFAC and wallet due diligence charges, indirect charges, network fees, transaction fees, commissions, spreads, markups, markdowns, or other applicable fees;
(i) applicable wallet addresses, bank accounts, settlement instructions, blockchain transaction IDs, or reference numbers, where appropriate;
(j) the settlement date or expected settlement date, where applicable; and
(k) any other information DigitalMint determines to include or is required to provide by applicable law.
DigitalMint may provide confirmations electronically, including through email, invoices, secure communications, or other transaction records. You should download and retain copies of all confirmations and transaction records.
10. Material Changes; Right to 14 Days’ Prior Notice
If DigitalMint changes its fee schedule, pricing terms, Terms of Service, or other policies that materially impacts an active or pending digital financial asset business activity engagement with you, DigitalMint will provide at least fourteen (14) days’ prior notice before the changes become effective.
DigitalMint may provide notice through email, its website, updated disclosures or fee schedules, amendment to the applicable Terms of Service or other engagement documents, or through any other written or electronic communication.
DigitalMint may implement changes on shorter notice where required or permitted by applicable law, where the change is beneficial to you, where the change is necessary to address an emergency, fraud risk, security risk, market disruption, legal or regulatory requirement, sanctions issue, third-party service interruption, or other exigent circumstance, or where you separately agree to the change.
11. Digital Assets Are Not Legal Tender
No digital financial asset is currently recognized as legal tender by the State of California or the United States.
Digital assets are not issued or guaranteed by the State of California or the United States. The value of digital assets may fluctuate significantly, and you may lose the entire value of digital assets that are purchased, converted, transferred, or otherwise involved in a transaction facilitated by DigitalMint.
12. Service Outages Affecting 10,000 or More Customers
During the twelve (12) months preceding the effective date of this Disclosure Statement, DigitalMint has not experienced any reportable instances that resulted in service being unavailable to 10,000 or more customers seeking to engage in digital financial asset business activity due to a service outage on the part of DigitalMint.
Given DigitalMint provides engagement-based transaction facilitation services rather than operating a customer-facing platform, widespread service outages affecting a large number of customers are not generally applicable to DigitalMint’s business model. Accordingly, DigitalMint has no such reportable instances of service outages during the prior twelve (12) months.
13. Transient Handling of Virtual Currency; No General Custody; Third-Party Providers
DigitalMint does not provide general custody, safekeeping, or hosted-wallet services. To the extent DigitalMint holds virtual currency, it does so only transiently and solely as necessary to source, convert, and deliver a settlement payment, using one or more wallets, vaults, or third-party wallet and custody technology providers.
DigitalMint uses third-party wallet, custody technology, blockchain analytics, liquidity, and banking providers to support the sourcing, conversion, transfer, and security of virtual currency used for settlements. DigitalMint may change, add, or remove such third-party service providers from time to time.
Where DigitalMint briefly holds virtual currency to effect a settlement, your interest may be reflected on DigitalMint’s books and records rather than through an identifiable claim to a specific on-chain asset unit. DigitalMint may maintain internal ledgers and reconciliation records designed to identify customer interests and distinguish customer assets from DigitalMint’s own assets. DigitalMint does not hold virtual currency for investment, speculation, or long-term safekeeping.
Virtual currency handled by DigitalMint in connection with a settlement remains subject to technological, operational, cybersecurity, legal, third-party, and market risks. Virtual currency sourced or transferred through a third-party technology platform, exchange, liquidity provider, or trading venue may be subject to the acts, omissions, insolvency, outages, restrictions, rules, records, or failures of those third parties.
14. Risks of Digital Financial Asset Activity
Facilitating a ransomware settlement payment involves significant legal, financial, and operational risks. You should carefully consider, with your own legal counsel, whether making a payment to a threat actor through DigitalMint is appropriate for you.
Material risks include, without limitation:
(a) market volatility and loss of value;
(b) lack of legal tender status;
(c) lack of government insurance for digital assets;
(d) liquidity risk;
(e) settlement risk;
(f) network congestion, forks, chain reorganizations, validator issues, protocol failures, smart contract bugs, or other distributed-ledger risks;
(g) irreversible transfers;
(h) incorrect, unsupported, incompatible, or compromised wallet addresses;
(i) loss, theft, or compromise of private keys, credentials, accounts, devices, or communication channels;
(j) cyberattacks, hacking, malware, phishing, social engineering, or unauthorized access;
(k) delays, outages, or failures involving DigitalMint, a bank, a custodian, a wallet technology provider, a liquidity provider, a trading venue, a blockchain analytics provider, a compliance vendor, or another third party;
(l) regulatory uncertainty and changes in law;
(m) sanctions, anti-money laundering, law enforcement, tax, and reporting restrictions;
(n) insolvency or credit risk of DigitalMint or a third party;
(o) errors in communication, trade requests, transaction handling, trade confirmations, settlement instructions, or transaction records;
(p) algorithmic execution, API, latency, data, pricing, or connectivity risks;
(q) conflicts of interest, including those arising from DigitalMint acting as principal in sourcing and delivering virtual currency;
(r) the possibility that audits, attestations, internal ledgers, or reconciliations may be delayed, inaccurate, incomplete, or subject to assumptions;
(s) the risk that making a payment to a threat actor is prohibited by, or creates liability under, U.S. or other sanctions laws (including OFAC requirements), anti-money laundering laws, or other applicable laws, including where the threat actor is a sanctioned person or located in a sanctioned jurisdiction;
(t) the risk that the threat actor fails to provide a decryption key, provides a non-functional key, fails to delete or return data, publishes or sells exfiltrated data, or issues further or escalating demands notwithstanding payment;
(u) the risk that paying a ransom may encourage, fund, or enable further criminal activity, and may not result in recovery of systems or data; and
(v) the risk that a payment, even after compliance screening, is later determined to have benefited a sanctioned or prohibited party.
DigitalMint does not provide investment, legal, tax, accounting, trading, financial, fiduciary, or other advisory services, and does not advise you on whether to make a ransom payment. You are solely responsible, in consultation with your own legal counsel, for determining whether to make a settlement payment to a threat actor and whether doing so is lawful and appropriate for you.
15. Compliance Holds, Blocking, Rejection, and Reporting
DigitalMint may delay, reject, cancel, reverse, freeze, block, restrict, or report any transaction, settlement payment, account, asset, wallet address, bank account, transfer, or customer relationship where DigitalMint determines, in good faith, that doing so is appropriate or required for sanctions (including OFAC), anti-money laundering, fraud prevention, counter-terrorist financing, market integrity, cybersecurity, regulatory, legal, risk management, law enforcement, tax, or other compliance reasons. DigitalMint conducts sanctions screening and blockchain analytics on the threat actor, the demand, and the destination address before facilitating any payment, and will not facilitate a payment it determines is or may be prohibited by applicable law.
DigitalMint may request additional information, documentation, source-of-funds information, source-of-wealth information, beneficial ownership information, incident details, wallet information, transaction details, tax documentation, or other records from you. Failure to provide requested information may result in delayed, restricted, rejected, frozen, blocked, or terminated services.
DigitalMint may disclose information to regulators, law enforcement authorities, banking partners, custodians, liquidity providers, exchanges, compliance vendors, affiliates, or other third parties where permitted or required by applicable law or by DigitalMint’s agreements.
16. Summary
For your convenience, the following is a summary of certain key points described in this Disclosure Statement. This summary does not replace the full Disclosure Statement above, and the more detailed sections control in the event of any inconsistency:
(a) this Disclosure Statement is provided separately from DigitalMint’s other terms, policies, and disclosures;
(b) this Disclosure Statement is provided electronically in a form that you may download, print, and keep;
(c) digital assets are not legal tender and are not government-insured;
(d) digital asset transfers and exchanges may be irreversible;
(e) DigitalMint’s fees and charges may vary based on the transaction, settlement, asset, liquidity, volatility, settlement method, and other factors;
(f) DigitalMint may use third-party providers, including custody technology providers, banks, trading venues, liquidity providers, exchanges, analytics providers, and compliance vendors;
(g) you have an obligation to provide prompt notice of any suspected unauthorized, mistaken, or accidental transfer or exchange;
(h) recovery may be unavailable, partial, delayed, or subject to contractual, legal, operational, network, third-party, or insurance limitations, and DigitalMint does not guarantee that a threat actor will provide a decryption key, return or delete data, or refrain from further demands after payment;
(i) you have the right to receive a trade confirmation, receipt, trade ticket, transaction record, or other evidence of each transfer or exchange;
(j) you have the right to receive at least 14 days’ prior notice of material changes to DigitalMint’s fee schedule, pricing terms, Terms of Service, or engagement policies, subject to applicable law and exigent circumstances; and
(k) DigitalMint provides only a limited ransomware-payment-assistance service and not general digital asset trading, investment, or custody services; and DigitalMint may decline to facilitate any payment for sanctions, legal, or compliance reasons.
