Terms of Use

Harv-X helps Users meet to exchange fiat currencies (e.g. EUR, USD, MAD) through ads and orders. The Platform is not a bank, e-money institution, traditional FX house or financial adviser.

Harv-X is not a party to the fiat sale contract between Users. It provides technology that may hold or lock USDT collateral to encourage performance, under published escrow rules.

Displayed rates may include market references and P2P offers. They are not binding unless an order is completed under the then-current rules.

You must have legal capacity and meet the minimum age in your jurisdiction. Identity verification (KYC) and AML/CFT checks may be required before trading.

You are responsible for credentials, devices and verification codes. Activity on your account is presumed to be yours unless you promptly report unauthorised access.

We may refuse, suspend or limit accounts for security, compliance or suspected abuse.

We may request documents and information to verify identity, residence, source of funds and risk profile, consistent with regulated financial-platform practice.

You must provide accurate, up-to-date information. Failure may block trading, affect collateral handling under procedure, or lead to disclosures required by law.

Where enabled, the maker and taker may be required to lock USDT. Maker collateral is based on the ad maximum; taker collateral on the order amount, using the Platform’s public reference quotes.

Collateral is not a bank deposit or investment product. Release, hold or application in a dispute follows escrow rules, evidence and Harv-X’s dispute process where applicable.

Harv-X does not guarantee the counterparty will complete the off-platform fiat transfer. Escrow mitigates risk; it does not eliminate it.

Use lawful payment methods you own or are authorised to use, and comply with applicable laws in your and the counterparty’s country.

Prohibited: fraud, money laundering, illicit finance, impersonation, ad manipulation, bypassing controls, using the Platform other than for legitimate peer fiat exchange, or harming Harv-X or other Users.

You alone are responsible for taxes, bank fees, provider limits and the accuracy of payment details shown on an order.

Harv-X charges a fixed fee of 0.40 USDT to each party (maker and taker) per completed trade after bilateral confirmation, i.e. 0.80 USDT total per operation. The fee is deducted from each party’s locked USDT collateral; it is not locked as a separate amount. We do not apply hidden spreads or variable percentages on the fiat amount. Third-party costs (banks, Wise, PayPal, etc.) are yours. A separate fee may apply for on-chain USDT withdrawals.

If an order is disputed, Harv-X may request evidence and apply its dispute procedure. Collateral decisions follow available evidence and published rules.

Harv-X is not obliged to act as a court. Parties may be directed to external legal remedies where appropriate.

P2P trading involves counterparty, payment error, banking delay, USDT collateral volatility, technical failure, regulatory change and fraud risks. You accept these risks by using the service.

We do not provide investment, tax or legal advice. FX decisions are solely yours.

To the fullest extent permitted by law, Harv-X and the Operating Entity are not liable for indirect damages, lost profits, data loss, reputation or opportunity loss, or losses from other Users or payment providers.

Except for wilful misconduct or gross negligence where liability cannot be limited, Harv-X’s aggregate liability to you for claims related to the service is capped at the greater of: (a) fees you paid Harv-X in the 3 months before the event; or (b) EUR 100 (or equivalent).

Nothing excludes liability that cannot legally be excluded (including non-waivable consumer rights where applicable).

You will indemnify Harv-X, the Operating Entity and their officers, employees and agents against claims, losses and costs (including reasonable legal fees) arising from your misuse of the service, breach of these Terms or violation of third-party rights.

Harv-X marks, software, design, text and content belong to the Operating Entity or licensors. You receive a limited, revocable, non-exclusive licence to use the Platform under these Terms.

We may suspend or close access for breach, AML risk, authority orders or market integrity. You may request account closure subject to open orders, locked collateral and outstanding obligations.

Unless mandatory law provides otherwise, these Terms are governed by the law of the Operating Entity’s seat. Courts of that seat have jurisdiction, without prejudice to non-waivable consumer rights.

Full corporate details (legal name, tax ID, registered address) will be published on the Platform once incorporation is complete. Until then, Harv-X operates as a platform brand/project in deployment.

We may update these Terms. The current version is posted here with an update date. Continued use after effectiveness means acceptance, unless law requires express consent.

Official website: https://harv-x.com. Legal or support questions about these Terms: legal@harv-x.com (provisional contact channel).