Terms and Conditions

1. General Information

These TERMS AND CONDITIONS, together with the Legal Notice, Privacy Policy, Cookie Policy, and any specific conditions published on this website, apply to any person with legal capacity who contracts the services of AhoraCrypto through the website or its electronic wallet platform (hereinafter, the Platform).

AHORACRYPTO, S.L. is the company responsible for the website https://ahoracrypto.com and for the Platform located at that domain, with its main activity being the provision of cryptocurrency trading services through centralized trading platform services via the custody of electronic wallets (hereinafter, Wallet). This enables users to exchange virtual currency for fiat currency (euros), convert between supported cryptocurrencies, and access other related support services.

These TERMS AND CONDITIONS must be accepted by the user in order to use any of the services offered by AhoraCrypto that require prior acceptance through the website https://ahoracrypto.com.

If the user does not accept these TERMS AND CONDITIONS during the registration process for the services, they will be unable to use the services of the AhoraCrypto Platform.

By expressly accepting these TERMS AND CONDITIONS, the user fully agrees to them and acknowledges having read and understood each clause, thereby undertaking to comply with the established requirements.

Access and use of AhoraCrypto services are only permitted to users located in European Union countries. Any attempt to register or use the services from jurisdictions outside the European Union may be denied or restricted.

2. Obtaining User Status

Persons of legal age and full contractual capacity who accept these TERMS AND CONDITIONS may obtain user status (hereinafter, "the user").

If the user accesses the Platform on behalf of a legal entity, the user also declares and accepts that they have sufficient authority to bind the legal entity to the service agreement. In such cases, all service requests made by the user will be attributed to the legal entity, and AhoraCrypto will assume they are made by it.

Obtaining user status implies express and unreserved acceptance of these TERMS AND CONDITIONS, the Legal Notice, and the Privacy Policy, all of which the user acknowledges having read and understood before acceptance. Registration as a user is an essential prerequisite to contracting services on the AhoraCrypto Platform.

The user will be able to access the services of the AhoraCrypto Platform using the username and password generated during the registration process upon accepting these TERMS AND CONDITIONS.

These access credentials are strictly personal and confidential. The user is responsible for maintaining their confidentiality. Consequently, the user expressly accepts that AhoraCrypto may presume that any use of the services with their login credentials is performed by the registered user, unless a prior notification of loss or theft has been made, in which case the user must immediately proceed to change them. AhoraCrypto may block access and use of the Platform services if deemed necessary for security reasons.

The password may be freely changed by the user through the procedures established by AhoraCrypto. The replaced password will be invalidated at the time the new one is generated.

AhoraCrypto will adopt technical and organizational measures to ensure appropriate service usage by users and to prevent unauthorized access or disclosure of financial information.

3. Minors

Minors under eighteen (18) years of age are not permitted to use the services provided through the AhoraCrypto website. Any membership request by a minor will be denied.

4. Entry into Force of the Contract

These TERMS AND CONDITIONS shall become effective and applicable from the moment the user confirms their agreement by clicking the "I have read and accept the TERMS AND CONDITIONS" button enabled on the Platform.

However, in accordance with Article 28 of Law 34/2002, of July 11, on Information Society Services and Electronic Commerce (LSSI), AhoraCrypto will confirm acceptance within a maximum of twenty-four hours from the entry into force, thereby confirming the contract's effectiveness.

5. Contractual Modification

AhoraCrypto reserves the right to modify these TERMS AND CONDITIONS without prior notice. When such changes are relevant, users will be notified, and it is the user’s responsibility to review the TERMS AND CONDITIONS available at https://ahoracrypto.com.

It will be understood that the user fully accepts the new TERMS AND CONDITIONS if, after one (1) month from their availability, the user has not requested to unsubscribe or cancel the service. During this period, the user may express disagreement with the changes by requesting to cancel their account with AhoraCrypto.

6. Duration of the Contract

This contract is valid for one year from acceptance and is automatically renewable for equal periods indefinitely, unless either party notifies the other of its intent not to renew. The user may request contract termination at any time, but cannot terminate the contract without fulfilling all payment obligations to AhoraCrypto.

7. Privacy Policy

The Privacy Policy of the AhoraCrypto website must be accepted along with these TERMS AND CONDITIONS. The information you provide is strictly necessary for the provision of services through the Platform. The required data will be processed in accordance with the applicable Data Protection legislation.

The Privacy Policy is accessible at the following link: https://ahoracrypto.com/info/privacy-policy

8. Termination and Resolution

This contract, entered into upon unreserved acceptance of these TERMS AND CONDITIONS, may be terminated for the following reasons:

Breach by either party of an essential obligation under the contract.
Automatic termination due to non-acceptance of amendments to the TERMS AND CONDITIONS, Privacy Policy, legal text, or service pricing.
Unilateral decision by the user: The user may terminate the contract at any time by notifying the company at info@ahoracrypto.com.

Upon termination for any reason, the user may not request reversal of transactions made during the contractual relationship or refunds for cryptocurrencies sold to AhoraCrypto or fiat currency.

9. Nullity of Any Provision

If any provision of these TERMS AND CONDITIONS is deemed null and void, such declaration shall not affect the validity of the remaining provisions, which will remain in force.

10. Provision of Services by AhoraCrypto

AhoraCrypto offers various cryptocurrency trading services through its Wallet, enabling users to exchange virtual currencies for fiat currency, convert and transfer between supported cryptocurrencies, and receive other support services.

The user agrees to use the Platform responsibly, holding AhoraCrypto harmless from any liability for improper, erroneous, or illegal use.

11. Information and Documentation Requirements

To provide services, AhoraCrypto requires users to submit documentation as mandated by Law 10/2010 on the prevention of money laundering and terrorist financing.

The level of information required will depend on the user type (individual or entity), the service used, and transaction thresholds. Required documents may include ID or NIE, residency cards, deeds, ownership structures, and business credentials.

AhoraCrypto partners with:

Veriff Technologies OÜ: Online identity verification provider compliant with European standards (SEPBLAC, BaFin).
Didit by Markets ProLive 360 SL: Spanish-based KYC service provider.

AhoraCrypto may request further information to assess the purpose and nature of the business relationship. Lack of information or signs of money laundering may result in contract termination.

If identity verification fails, purchases will be denied. Verification processes will be stricter for high-risk profiles.

12. Service and Transaction Fees

Services rendered through AhoraCrypto incur fees, viewable on the website and disclosed before each transaction. Fees are recorded in the transaction history for ten (10) years.

Exchange rates are calculated in real-time based on:

Market supply;
Market demand;
Third-party agreements.

Fees for storage and fiat withdrawals depend on AhoraCrypto’s arrangements with financial institutions.

AhoraCrypto reserves the right to modify the TERMS AND CONDITIONS and pricing. Any change in electronic money service fees must be communicated to users two (2) months in advance per Royal Decree-Law 19/2018.

All service fees include applicable taxes. Users are solely responsible for determining applicable taxes and reporting them to tax authorities.

13. AhoraCrypto Services

13.1. General Matters

13.1.1. Accuracy of Information

Users must provide accurate and complete information during account creation or when prompted on the Platform.

13.1.2. Conditions and Restrictions

AhoraCrypto may reject transactions or impose conditions and limits at its sole discretion.

13.1.3. Insufficient Funds

If the user has insufficient funds, AhoraCrypto may cancel or partially fulfill the order, deducting applicable fees.

13.1.4. Cancellations

Users may cancel a request only if it hasn’t been executed. Once executed, it cannot be altered. Partial orders may be canceled unless they relate to market operations.

AhoraCrypto may reject cancellations or reverse orders in exceptional circumstances.

13.1.5. Taxes

The user is responsible for determining which taxes, if any, apply to transactions conducted through the Platform. It is their responsibility to report and remit the correct tax amount to the appropriate tax authority.

The user expressly agrees and acknowledges that AhoraCrypto is not responsible for determining whether taxes apply to their transactions, nor for collecting, reporting, withholding, or remitting any taxes arising from any transaction they conduct.

13.2. Wallet or Electronic Wallet

To operate on the Platform, AhoraCrypto provides users with electronic wallets (wallets) from which they can buy or exchange cryptocurrencies, and subsequently convert them into legal tender (euros).

The user must unreservedly accept these TERMS AND CONDITIONS, the Legal Notice, Privacy Policy, and Cookie Policy by clicking the "I have read and accept the TERMS AND CONDITIONS" button, after reviewing them via the provided hyperlinks or by requesting them via email at info@ahoracrypto.com.

AhoraCrypto expressly states that it will archive the electronic contract documentation in accordance with Article 27.1 of Law 34/2002, of July 11, on Information Society Services and Electronic Commerce (LSSI).

AhoraCrypto reserves the right to request from the user any data deemed relevant to comply with Law 10/2010 on the prevention of money laundering and terrorist financing. If the user refuses to provide such data, AhoraCrypto may unilaterally terminate the service.

AhoraCrypto may also suspend user operations pending verification of their legality and legitimacy.

13.2.1. Supported Currencies

The Platform supports major market cryptocurrencies (BTC, ETH, XRP, XLM, ADA, SOL, DOGE, DOT, among others) and some major fiat currencies (euros). Currently, the only accepted fiat currency is the euro.

13.3. Services for Euro Transactions

AhoraCrypto enables users to buy and sell virtual currencies for fiat. To ensure secure euro transactions, AhoraCrypto offers two options:

Open and maintain an electronic money wallet to store euros for crypto purchases and receive proceeds from crypto sales.
Directly transfer euros equivalent to the intended operation. Crypto transactions will be authorized only after AhoraCrypto verifies receipt of funds.

Accepted payment methods:

Payment from digital wallet (euro or accepted cryptocurrency);
VISA or MASTERCARD card payments;
SEPA bank transfer;
Google Pay and Apple Pay.

If a credit/debit card or bank account is used, the account holder must match the registered user. Discrepancies may result in denial, temporary suspension, or account closure.

13.3.1. Electronic Money Wallet

One option for operating on the Platform is through the user’s external digital wallet. AhoraCrypto may verify ownership of the external account and check it against sanctioned wallet lists.

The user is solely responsible for using their external account and must comply with all related terms. AhoraCrypto is not liable for fees, management, or security related to external accounts. It does not guarantee transaction processing times.

The electronic money wallet is not a deposit or investment account. Funds are not protected by compensation schemes and do not accrue interest. AhoraCrypto does not compensate users for storing funds or conducting crypto transactions.

If the user does not download their wallet’s recovery phrase (seed phrase), it will remain encrypted in AhoraCrypto’s database, enabling a semi-custody model to prevent fund loss.

If the recovery phrase is lost after download and deletion, it cannot be recovered.

13.3.2. Rejected Transactions

User external accounts may reject euro deposits or be unavailable for transfers. AhoraCrypto is not responsible for resulting damages.

If identity is unverified or rejected after manual review, the user may be required to retry verification. Ineligible users will be blocked from operations. If payment was made but crypto was not received, a refund will be issued minus bank fees.

13.3.3. Transactions via Bank Transfers

Users may transfer euros directly to AhoraCrypto's bank account (temporarily unavailable).

AhoraCrypto does not hold these funds, which are only used to carry out specific user-ordered operations. The sender and recipient details must match the registered user’s data.

AhoraCrypto may temporarily hold or return payments to gather more information.

SEPA transfers follow Regulation EU No. 260/2012. Users must provide accurate and complete data as required by current credit or payment service provider regulations.

Crypto purchases via bank transfer may use SEPA or SWIFT systems.

The sender and the registered user must be the same. Sufficient euros must be transferred to complete the requested transaction.

Transfers from non-cooperative jurisdictions are prohibited in compliance with EU and Spanish anti-money laundering laws.

13.3.4. Card Transactions

To buy cryptocurrency with fiat, users may use VISA/MASTERCARD debit/credit cards. This option is also available to fund the user wallet.

AhoraCrypto prioritizes security and may suspend operations temporarily to gather additional user/payment method information, which may result in transaction reversal.

13.3.5. Payment Gateway

AhoraCrypto works with Zen.com and Stripe as payment gateway providers:

Zen.com: Licensed financial institution under the Central Bank of Lithuania, authorized in 31 countries.
Stripe Payments Europe, Ltd.: Registered in Ireland and supervised by the Central Bank of Ireland.

13.3.6. Cryptocurrency Storage

Users can store supported cryptocurrencies in their AhoraCrypto wallet by sending the correct cryptocurrency to the provided address. AhoraCrypto is not liable if the wrong crypto is sent.

Private keys are securely stored. For certain operations, retrieval of keys or related data may be required.

13.4. Exchange Services

The digital wallet service allows users to exchange funds between their wallets. Users must specify the amount to exchange and the destination wallet.

13.5. Buying and Selling Services

13.5.1. Buying Cryptocurrencies

AhoraCrypto allows users to buy cryptocurrencies by providing fiat currency. The exchange rate is determined at the moment AhoraCrypto receives the payment notification, which may occur seconds after the transaction.

If significant time passes from the start of the purchase to the acceptance of the initial price, AhoraCrypto may update the price to reflect real-time values. The user will be shown a guaranteed final amount and may accept or decline it.

Accepted payment methods:

Payment from user wallet;
Payment from an external cryptocurrency wallet;
Debit/credit card payment;
Bank transfer (SEPA or SWIFT)
Google Pay and Apple Pay.

When buying from AhoraCrypto, the user initially acquires USDC (USD Coin). No direct purchases of other cryptocurrencies or tokens are made. Once the USDC purchase is complete, AhoraCrypto will convert it to the final cryptocurrency or token the client wants.

Thus, AhoraCrypto’s payment processor only manages fiat-to-USDC transactions. In some cases, the client’s bank statement may reflect a USDC purchase.

13.5.2. Selling Cryptocurrencies

AhoraCrypto enables users to sell cryptocurrencies. A sale consists of exchanging cryptocurrencies for fiat currency supported by AhoraCrypto.

13.6. Withdrawal Services

Users may withdraw any amount of their wallet balance, provided it exceeds any amount required to cover open positions, minus applicable AhoraCrypto transaction fees.

13.6.1. Cryptocurrency Withdrawal

Users may withdraw supported cryptocurrencies from their AhoraCrypto account, as long as withdrawals are allowed for the given cryptocurrency.

The user must specify the destination address and ensure it is compatible with the intended cryptocurrency. AhoraCrypto may charge withdrawal-related costs.

AhoraCrypto is not liable for incorrect destination addresses or incompatible wallet types.

For security reasons, crypto withdrawals may be manually reviewed by AhoraCrypto before being sent to the blockchain.

13.6.2. Euro Transfer Withdrawal

The user must provide AhoraCrypto with the external bank account details under their name to which fiat funds from their wallet are to be sent, and review the transaction summary before confirming the transfer.

The user bears full responsibility for the transaction and any resulting liability, holding AhoraCrypto harmless.

13.7. Trading Risks

The user agrees, acknowledges, and declares that they will use the AhoraCrypto Platform and access its services at their own risk. The value of investments and returns may vary significantly and may result in the total loss of the invested amount.

Users should carefully consider whether trading is appropriate for them in light of their circumstances and financial resources. Without limitation and not exhaustively, users must be aware of the following risks:

All cryptocurrency positions carry risk. The user may suffer total wallet losses and, in some cases, incur losses exceeding wallet balances.
Market movements against a user's position may result in the need to promptly provide additional significant funds to maintain the position. Failure to do so may lead to liquidation at a loss, for which the user is responsible.
Investments in early-stage projects carry high risk due to business model uncertainty.
Under certain market conditions, liquidating a position may be difficult or impossible due to lack of market liquidity.
Leveraged trading can work both for and against the user, potentially resulting in large gains or significant losses. Caution is required.
The placement of stop orders does not guarantee loss limitation, as market conditions may prevent their execution.

15. Liability

The user acknowledges and accepts that trading cryptocurrencies involves a high risk. The value of investments and their returns can fluctuate significantly and may result in the total loss of the invested amount. The user understands the risk involved in selling cryptocurrencies and agrees that AhoraCrypto is not liable for any losses or gains resulting from selling their cryptocurrencies to AhoraCrypto.

The user affirms that they understand and possess the necessary knowledge to use systems and services within the blockchain ecosystem and are fully aware of the associated risks. AhoraCrypto does not recommend cryptocurrency investments to individuals who are not fully aware of the services being contracted or do not understand how they are provided.

Cryptocurrency transactions are irreversible. Therefore, the user must exercise the utmost caution when making payments or entering wallet addresses. The user shall not claim any amount from AhoraCrypto that was sent from their account.

AhoraCrypto is not responsible for the loss of cryptocurrencies or fiat money or for any situation that makes them inaccessible, if such loss is due to user action or omission.

AhoraCrypto provides no advisory service in any area. All decisions made by the user are personal and voluntary and not the result of AhoraCrypto's activity.

Any issues related to banking operations are the sole responsibility of the banking institutions. Likewise, any issue arising from the use of legal tender payment or receipt methods is solely the responsibility of the respective service provider.

AhoraCrypto is not liable for internet network failures, blockchain issues, or third-party software attacks that may result in the loss or disappearance of cryptocurrencies owned by the user.

AhoraCrypto is not responsible for errors made by third parties during the purchase process (e.g., exchanges, KYC providers, payment gateways, etc.). In such cases, any refund will only include the amount paid in fiat currency, not the value in cryptocurrencies.

However, if an error occurs during a crypto purchase/sale transaction, the user may contact AhoraCrypto’s technical support at: soporte@ahoracrypto.com

16. Exclusions of Liability

AhoraCrypto is not responsible for services that do not comply with the laws of other countries where its Platform may be used. The services offered through the AhoraCrypto Platform comply with Spanish law.

AhoraCrypto is not liable for misuse of the Platform or for acts contrary to the law by users.

AhoraCrypto is not liable for service unavailability due to force majeure or technical reasons, such as failures, malfunctions, accidents, or incidents that temporarily interrupt the service.

AhoraCrypto is not responsible for third-party services subcontracted from its website (e.g., MONEI and Veriff), including their unavailability or delays that may result in changes to the prices of crypto assets traded on the Platform.

AhoraCrypto assumes no liability for misuse of access credentials unless the user had previously reported their loss, theft, or misplacement. In such cases, the user must change them immediately through AhoraCrypto's established procedures. The user expressly accepts that any service usage under their credentials is considered as performed by the user.

Cryptocurrency anonymity features make them targets for cybercriminals. If access credentials or private keys are stolen, crypto assets may be transferred to wallets that are difficult or impossible to trace. AhoraCrypto prohibits the purchase of cryptocurrencies on its Platform for ransom payments demanded by ransomware. In such a situation, AhoraCrypto advises users to never pay the ransom and to contact the police immediately. The user is liable for any damage caused to third parties.

AhoraCrypto will not be liable for damages or losses caused by unforeseen or unavoidable events, including acts of God or force majeure.

AhoraCrypto is not liable for economic losses resulting from the decline in the value of cryptocurrencies purchased. Any price fluctuation in the acquired asset is beyond AhoraCrypto's control.

17. Links to Third-Party Websites

The AhoraCrypto website may contain links or hyperlinks to third-party websites governed by their own terms. AhoraCrypto is not responsible for transactions conducted through those third-party entities.

Likewise, their Legal Notice, Privacy Policy, or Terms and Conditions are unrelated to AhoraCrypto. Users must be aware that responsibility lies solely with those third parties.

18. Assignment and Contractual Subrogation

AhoraCrypto may assign the contracts formalized with users to other entities to fulfill the contractual purpose, subject to the user’s express consent, in accordance with these TERMS AND CONDITIONS.

19. Service Maintenance and Temporary Suspension

AhoraCrypto will make every effort to ensure that users can access its services as per these TERMS AND CONDITIONS. It may temporarily suspend services for maintenance or updates, notifying users accordingly. In emergency cases, prior notification may not be possible, and users accept the associated risks, including possible inability to access or execute transactions on their account.

User failure to meet the following obligations will result in temporary suspension of Platform services:

Non-acceptance of updated TERMS AND CONDITIONS or any legal documentation.
Detection of fraudulent operations by AhoraCrypto.
Lack of required information for user identification.

Suspension will have the following consequences:

AhoraCrypto will notify the user of the suspension, its reason, and steps needed to regularize their situation.
After THIRTY (30) days without resolution, the suspension becomes permanent. Any remaining wallet balance will be blocked and considered a "dormant account," and managed according to legal requirements or competent authority orders.

20. Data Protection

The services provided by AhoraCrypto require the processing of personal data. By contracting the services, the user explicitly agrees to the processing of their data as described in the Privacy Policy established by AhoraCrypto, available at the following link: https://ahoracrypto.com/info/privacy-policy

21. Anti-Money Laundering (AML) Compliance

As a provider of services involving the exchange of virtual currency for fiat and the custody of electronic wallets, AhoraCrypto is subject to anti-money laundering and terrorist financing regulations under Article 2.1(z) of Law 10/2010 on the Prevention of Money Laundering and Terrorist Financing.

AhoraCrypto informs its users that this regulation imposes several obligations, including identifying users through documentation, gathering information about the nature of their professional activity, and reporting any transactions or events that raise suspicion of money laundering, either at the request of the Executive Service of the Commission for the Prevention of Money Laundering (SEPBLAC) or on its own initiative.

AhoraCrypto may share transaction data with the Spanish Tax Agency, Bank of Spain, SEPBLAC, or other legitimate authorities when legally required. It will not share transaction data with any government agency unless there is a legal obligation to do so.

22. Invoicing

Regarding the cryptocurrency trading services provided by AhoraCrypto, and pursuant to Article 20.1.18(m) of Law 37/1992, such intermediation services are exempt from VAT. Therefore, issuing an invoice is not mandatory except in the cases listed under Article 2.2 of the VAT Regulation.

However, invoices will be issued for exempt operations under Article 20.1.2, 3, 4, 5, 15, 20, 22, 24, 25, and 28 of the VAT Law. Invoices and their copies will be issued in all cases where the recipient is a business or professional acting as such, regardless of their tax regime.

To request an invoice, the client must contact AhoraCrypto, and it will be provided within a maximum of 60 business days.

23. Intellectual and Industrial Property

The trademarks, names, designs, distinctive signs, images, brand name, and all related intellectual property rights are and will remain the sole and exclusive property of AhoraCrypto, protected by applicable laws and treaties. All rights not expressly granted herein are reserved.

The AhoraCrypto Platform, its source code, and content are protected under national and international laws on intellectual and industrial property. Exploitation, reproduction, distribution, modification, public communication, transfer, or transformation of any content is strictly prohibited without express written authorization from the rights holders.

Access to AhoraCrypto does not grant users any rights or ownership over intellectual or industrial property or the content. Users are strictly prohibited from altering the Platform’s content or structure. AhoraCrypto reserves the right to take legal action against any user who infringes its intellectual or industrial property rights.

24. Information on Cryptocurrencies

There is currently no regulatory framework in the European Union governing crypto-assets such as Bitcoin that provides the same guarantees and protections as those for financial products. A proposed regulation (MiCA) is under negotiation at the European level to establish a framework for issuing crypto-assets and providing services related to them.

From a legal standpoint, cryptocurrencies:

Are not considered legal tender;
Are not backed by any central bank or public authority;
Are not covered by consumer protection mechanisms like the Deposit Guarantee Fund or the Investor Compensation Scheme.

Cryptocurrency transactions are conducted directly between users without intermediaries. Unlike most legal currencies, they are not backed by governments or central issuers. Every transaction is digitally signed and permanently recorded on the network to prevent fraud or forgery.

Cryptocurrencies are complex instruments, possibly unsuitable for small savers, and their prices are highly speculative, possibly leading to total investment loss.

Additionally, leveraged derivatives linked to cryptocurrencies increase complexity and the risk of losses beyond the initial investment, requiring substantial knowledge and experience.

Despite strong encryption and security procedures, software or procedural failures may still occur. Cryptocurrency payments are irreversible, and legitimate payment errors are rare due to built-in checks. Most errors are caused by human input mistakes, and AhoraCrypto is not responsible for user-initiated transfers.

25. Governing Law and Jurisdiction

This contract shall be governed by and interpreted in accordance with current Spanish law. Both parties expressly waive any other jurisdiction and agree to submit any dispute or interpretation of this contract to the competent Spanish courts.

26. Promotional Email Communications

By accepting these Terms and Conditions, you agree to receive electronic communications from us via email, text messages, mobile push notifications, notices, and messages on this site or through other AhoraCrypto services, which you may save for your records.

27. Customer Support Service

Users may contact customer support directly via the following address: soporte@ahoracrypto.com