Terms of Service

Global Terms of Service

Last Updated: September 2, 2022

RAMP GLOBAL TERMS OF SERVICE

TL;DR

Here’s a quick summary of the key points in our Terms of Service:

About us. We’re Ramp Network and we provide services that allow you to seamlessly exchange fiat currency for digital assets (via our On-Ramp service). You’ll need your own digital asset wallet to use Ramp - we don’t provide this for you. For more information on Ramp Network, please see our website: https://ramp.network/.

How we’re regulated. We’re registered in the US with FINCEN as a money services business and in the UK with the FCA as a cryptoasset service provider business.

Eligibility. To use Ramp, you’ll need to meet our eligibility criteria. That means being old enough, satisfying all our KYC (Know-Your-Customer) and AML (Anti-Money Laundering) requirements and not being sanctioned or located in a sanctioned country. Check out the full list of criteria below.

Fees. You can access our Transaction Fees here.

Using Ramp. To use Ramp, you must comply with certain requirements. This includes making sure you provide Ramp with the correct digital asset wallet address and that the digital asset wallet is solely under your control.

Support. You can check out our FAQs page here. For anything else, we’re here to help - just drop us a line at support@ramp.network.

No advice. None of the information we provide on our website or as part of the Services is or should be treated as financial advice. We’re not affiliated with any digital asset offered for sale and trading in assets is at your own risk. You should make sure you’ve done your own due diligence and speak to a financial advisor before making investment decisions.

Things you need to know. Blockchain transactions are irreversible and non-refundable and prices of digital assets go up and down. Your Blockchain address and certain data will be displayed permanently and publicly. You agree to relinquish any right of rectification or to the erasure of personal data, which is not possible on the Blockchain.

Welcome to Ramp!

RAMP GLOBAL TERMS OF SERVICE

About these Terms. These Terms of Service (“Terms”) set out the terms by which we agree to provide you with access to On-Ramp Service and Off-Ramp Service (“Service” or “Services”). By accessing and using the Services, you’re entering into a legally binding contract, with the waiving of certain legal rights, with us on the basis of these Terms. Ramp Swaps Ltd and Ramp Swaps LLC (collectively “we”, “our”, “us”, or “Ramp”) provide the following Global Terms of Service that, as they may be modified from time to time by Ramp in its sole discretion, apply to our users (“you” or “user”) and governs each users access to, and use of, the Services and related products including but not limited to software, programs, documentation, tools, hardware, internet-based services, components, and any updates (including software maintenance, service information, help content, bug fixes or maintenance releases) provided to you by Ramp, directly or indirectly, through all online services we provide.

Updates. We may change these Terms sometimes to make updates to our Services, for legal or regulatory changes or at Ramp’s discretion for reasons including the prevention of abuse or harm. For updates, we’ll let you know in advance. For everything else, the changes will take effect as soon as they’re posted on our website. If you continue to use the Services after these updates, we’re allowed to assume you agree to the updated Terms. The updated version will supersede all prior versions. We reserve the right to discontinue or make changes to any of the Services.

Amendments. We may, without prior notice and liability, and for any reason: stop providing the On-Ramp and Off-Ramp Services or any of their features to you or to Users in general; change technical solutions used in the the On-Ramp and Off-Ramp Services; create usage limits for the the On-Ramp and Off-Ramp Services; or permanently or temporarily terminate or suspend your access to the On-Ramp and Off-Ramp Services.

Definitions. Capitalised terms shall have the meanings assigned to them in these Terms, unless the context requires otherwise.

“Affiliate” means an entity that owns or controls, is owned or controlled by, or is or under common control or ownership with a party, where control is defined as the direct or indirect power to direct or cause the direction of the management and policies of such party, whether through ownership of voting securities, by contract, or otherwise.

“AML” stands for Anti-Money Laundering, which means a set of procedures, laws, and regulations that are intended to stop the practice of obfuscating income generated through illegal activities.

“Blockchain” means a system in which records of transactions made in Digital Assets are maintained across several computers that are linked in a peer-to-peer network.

“Digital Asset” means a digital representation of value in which encryption techniques are used to regulate the generation of digital units and verify the transfer of assets, operating independently from a central bank.

“Fiat” when used in reference to money or currency, means the coin and paper money of a country that is designated as legal tender, circulates, and is customarily used and accepted as a medium of exchange in the country of issuance.

“KYC” stands for Know Your Customer, which means the process of a business verifying the identity of its customers or clients and assessing potential risks of illegal intentions for the business relationship.

“Wallet Address” means an on-Blockchain virtual address in which Digital Assets can be held and transferred.

IMPORTANT INFORMATION

PLEASE CAREFULLY REVIEW THESE TERMS PRIOR TO ACCESSING AND USING THE RAMP APPLICATION. THE TERMS INCLUDE IMPORTANT INFORMATION ABOUT YOUR RELATIONSHIP TO RAMP. YOUR USE OF THE RAMP APPLICATION IS EXPRESSLY CONDITIONED ON YOUR CONSENT TO, AND COMPLIANCE WITH, THE TERMS. BY ACCESSING OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO ANY OF THE PROVISIONS OF THESE TERMS YOU SHOULD IMMEDIATELY STOP USING THE SERVICE. FAILURE TO COMPLY WITH THIS DIRECTIVE MAY RESULT IN A VIOLATION OF THE APPLICABLE LAWS OR REGULATIONS OF YOUR JURISDICTION. WHEN IN DOUBT, PLEASE CONTACT US AT: SUPPORT@RAMP.NETWORK.

IMPORTANT NOTICE REGARDING DIGITAL ASSETS

AS WITH ANY ASSET, THE VALUE OF DIGITAL ASSETS CAN GO UP OR DOWN AND THERE CAN BE SUBSTANTIAL RISK THAT YOU LOSE MONEY BUYING, SELLING, TRADING, HOLDING OR INVESTING IN DIGITAL ASSETS SUCH AS CRYPTO CURRENCIES. YOU SHOULD CAREFULLY CONSIDER WHETHER BUYING, SELLING, HOLDING, TRADING OR BUYING DIGITAL ASSETS IS SUITABLE FOR YOU. The value of Digital Assets may be derived from the continued willingness of market participants to exchange Digital Assets for Fiat currencies or other Digital Assets. If such willingness is abolished for any reason, this may result in the potential for a permanent and total loss of value of a particular Digital Asset. The volatility and unpredictability of the price of Digital Assets may result in significant loss over a short period of time.

THE TREATMENT OF DIGITAL ASSETS VARIES BY JURISDICTION. BE ADVISED THAT IN SOME JURISDICTIONS, DUE TO REGULATORY CONCERNS, RAMP MAY NOT PROVIDE PART OR ALL OF THE SERVICES. The Services are not available where prohibited by law or by Ramp policy, as updated from time to time; currently, such places include, but are not necessarily limited to, the countries of Iran, North Korea, Sudan, South Sudan, Syria, Cuba, Russia, or any other country against which the United States, the United Kingdom or the European Union imposes financial sanctions or embargoes. Pursuant to the economic sanctions programs administered in the countries where we conduct business our policies are designed to comply with these sanctions programs and we may: (i) suspend the Service; (ii) terminate the Service; (iii) restrict your Service; (iv) return Digital Assets to the destination of their origin or to an a location specified by authorities; or (v) block the transfer of Digital Assets that are the property of a sanctioned person.

ABOUT US

Who we are. Hello, we’re Ramp Network ( referred to as “Ramp”,”we”, “us”, “our”) and our Services allow you to seamlessly exchange digital assets for Fiat currency.

US customers. If you’re based in the United States, you’re entering into these Terms with Ramp Swaps LLC, a US limited liability company, with its registered office address 8 The Green, STE B, Dover, Country of Kent, DE 19901 (Ramp US).

Non-US customers. If you’re based anywhere else, its Ramp Swaps Ltd, a company incorporated in England and Wales under company number 11850124 with its registered office at 5th Floor, Gilray House, 146-150 City Road, London, England, EC1V 2NL (Ramp Global).

How we’re registered. Ramp US is registered with FINCEN as a money services business. Ramp Global is registered with the UK FCA as a cryptoasset business. Neither Ramp US or Ramp Global trade in regulated securities or assets. For non-US customers, you should be aware that the Financial Ombudsman Service and the Financial Services Compensation Scheme don’t apply to our Services.

ABOUT THE SERVICES

Services. We offer two services which allow you to:

On-Ramp. Buy Digital Assets using Fiat currency.
Off-Ramp. Sell your Digital Assets for Fiat currency. This Service is currently only available in the United States.

Accessing the Services. You can access the Services either directly via the Ramp website or via a third party website or application which has the Services installed. We’re not responsible for any third party websites or applications you access the Services through including any damage or loss.

Cool off. Where a cool off period applies, you consent to us beginning the supply of the digital content before the end of that 14 day period and you waive any right to cancel that you may have under applicable law.

ELIGIBILITY AND PROOF OF IDENTITY

Eligibility criteria. You can only sign-up for and use the Services if you:

are at least 18 years old,
satisfy all of our due diligence, “know your customer” and anti-money laundering requirements,
are not prevented by law or regulation from using the Services in your jurisdiction, and
are not a resident or citizen of any jurisdiction under US, UK or EU sanctions and are not personally sanctioned by the US, UK or EU which include, but are not limited to the countries of Iran, North Korea, Sudan, Syria, Cuba and Russia (the” Eligibility Criteria”).

Ramp is subject to AML, KYC, and U.S. sanction requirements under the Bank Secrecy Act (“BSA”), Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act (“USA PATRIOT Act”), and the Office of Foreign Assets Control (“OFAC”).

Under applicable AML and OFAC rules, Ramp is obligated to maintain certain information about you, including User records and transaction history, for five years , or a longer period as may be required under applicable laws. Under certain circumstances, Ramp may be required to report to the competent authorities of any unusual transactions, or of any suspicion it may have that you might be involved in any financial crime or illicit activity.

Ramp is required to comply with applicable AML and KYC requirements at all times. This includes having you provide documentation and information, including but not limited to copies of your government-issued identification document (e.g. Passport, driver’s licence).

Ramp may also gather and use information about you from third parties, to help us confirm your identity, perform our AML/KYC checks and/or determine your access to the Services. You represent and warrant at all times that any and all information provided by you to us is true, accurate, and not misleading in any respect. If any such information changes, it is your obligation to provide the new information to us as soon as practicable following such change.

Ramp, as an FCA registered cryptoasset business, is subject to the requirements of the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (“MLRs”). Under the applicable rules, Ramp is obligated to obtain adequate information at all times to prevent financial crime including money laundering and terrorist financing. Under certain circumstances, Ramp may be required to obtain additional information to allow us to meet our AML obligations and comply with the reporting obligations of the MLRs. The Financial Ombudsman Service or the Financial Services Compensation Scheme do not apply to the crypto asset activities carried out in the UK.

HOW IT WORKS

Using Ramp. To use the Services, you simply need to fill out a form which provides all the information we need to complete your transaction (or trade).

How it works. Here’s how it works:

Your responsibilities. You are solely responsible for ensuring that:

On-Ramp	Off- Ramp
✅ Price paid. The price paid is exactly equal to the purchase price for the digital assets provided by us.	✅ Digital assets amount. The amount of digital assets is exactly equal to the purchase price provided by us.
✅ Payment reference. The payment reference used for your fiat money transfer is identical to the reference provided by us.	✅ Wallet Address. The assets are sent to the wallet address provided by us for the trade.
✅ Wallet address. The wallet address you provide to us to transfer digital assets to is correct.	✅ Bank account. The bank account details you provide to us to transfer fiat to are correct.

If you don’t, we’re not responsible or liable to you for any loss you suffer as a result, including but not limited to your loss of fiat money, Digital Assets, or investment opportunities.

Ramp will display to you the Blockchain Wallet Address to which the Digital Assets will be transferred based on information obtained either from you or the host application you used to launch the widget. You are obliged to verify whether the displayed Blockchain Wallet Address that has been disclosed in the application is the correct one. You are obligated to provide a Digital Asset address that is owned by you and is under your full control and authorisation, to which Digital Assets will be transferred. You represent that the Blockchain Wallet Address is solely under your control. You are obligated to verify whether a transfer of Digital Assets may be successfully effectuated to the Blockchain Wallet Address that you have provided to Ramp. Certain digital wallet providers may impose limits to that respect, which may result in the Digital Assets being released by Ramp but not accepted to the digital wallet. In the event that this occurs, Ramp will not be liable and the service will be considered rendered.

Inaccurate Data. Ramp is not responsible for any inaccuracy in the data provided by you. You are obliged to check all the information before submitting it to Ramp. Blockchain transactions are irreversible and Ramp will not be able to reverse any transactions already executed in case you made a mistake in the provided data or instruction.

Blockchain Data. Blockchain transactions are irreversible, and any information stored in the Blockchain will remain publicly viewable and immutable for an indefinite period of time. Your Blockchain address and certain data will be displayed permanently and publicly. You agree to relinquish any right of rectification or to the erasure of personal data, which is not possible on the Blockchain.

Use of third parties. We use third party exchanges and payment systems to settle your trades. We’re not responsible or liable for any delay or errors made by them. We’re also not responsible for the consequences of any limits set by your or any third party wallet providers.

Trades. Trades are usually settled using Blockchain and online payment systems (for the transfer of Fiat). Ramp does not provide a settlement platform on its own and is not liable for any errors or delays in the functioning of settlement systems.

Limits on trades. We may impose certain limits on the minimum or maximum number of trades you can enter into in a given time. We can set and change these limits at our discretion.

Cancelling trades. We reserve the right to cancel your trade, without advance notice to you, if we don’t receive the correct purchase price from you in time. In the event that a trade is cancelled because we don’t receive the correct purchase price from you in time, you may be required at Ramp’s discretion to bear the costs of resending Fiat money to you. For purposes of clarity, the price paid needs to be exactly equal to the purchase price indicated by Ramp.

YOUR OBLIGATIONS

Representations and warranties. You represent and warrant to us when you enter these Terms and on an ongoing basis:

you meet the Eligibility Criteria,
any information you provide to us is true and accurate,
you comply with all applicable laws and regulations when using the Service.
you have full lawful ownership of the payment accounts and wallets you’re transferring to and from,

and

you will not engage in any activity, directly or indirectly, that would cause us to be in violation of any laws, rules, and regulations applicable to you and us, including but not limited to (i) any applicable laws designed to fight the funding of terrorism and money laundering (including but not limited to the anti-money laundering and anti-terrorism laws, rules), and (ii) economic sanctions programs of the United States, United Nations, Canada, European Union, or the United Kingdom, or of any other countries where you have informed by us in writing that you conduct business.

You further understand that you are solely liable for any legal claim, any financial penalties and/or other liability of Ours arising thereof, and will compensate and following notice by us will reimburse us within 14 days all costs, including, but not limited to: legal consulting expenses, court costs, fines, financial penalties and expenditure on disputes. You will promptly notify us in writing at legal@ramp.network if you learn that you have engaged in any activity in material violation of the foregoing laws, rules, or regulations.

Use restrictions. When using the Services, you must behave lawfully and not breach these Terms in any way. In particular, you agree that you won’t:

use the Services for anything unlawful, criminal, harmful or fraudulent,
access, store, distribute or transmit viruses, malicious code or other harmful technologies,
expropriate data or do anything that infringes the intellectual property rights of a third party,
reverse engineer, copy, modify, data scape, automate or re-sell any part of the Services,
use someone else’s email address to access the Services or allow anyone else to access the Services using your email address,
use any automated system to send more request messages to our servers than a human can reasonably produce in the same period or put an unreasonably large load on our infrastructure, and
use the Services to exchange Digital Assets that are regulated securities, derivatives or financial instruments.

Unauthorised access. You must tell us immediately if there has been any unauthorised access to your Ramp account or data by emailing support@ramp.network. We won’t be liable for any loss you suffer of any kind and this includes a loss as a result of you giving access to your account to anyone else or for any other incidents which derive from access to your account for any reason.

PAYMENT AND FEES

What we charge. We charge you the price to buy or sell your Digital Assets plus the following fees (Fees):

Fee	Description	Charged in
Ramp Fee	Charged by us to execute your trade.	Fiat
Third party Fees	Payment Services Provider Fee. Charged by the fiat payment gateway.	Fiat
	Fee On Top. Charged by the third party app or service you’re accessing Ramp through.	[Depends]
	Network Fee. Charged by the Blockchain executing your trade.	Digital Assets

You can find out how much our fees are here.

Taxes. You are responsible for complying with applicable law. You agree that Ramp is not responsible for determining whether or which laws may apply to your transactions, including tax law. You are solely responsible for reporting and paying any taxes arising from your use of the Services.

Disclosure. We will make all reasonable efforts to let you know the conversion rate and how much you’ll be charged in Fees for each before you enter into a trade.

TERM, TERMINATION & SUSPENSION

Term. These Terms start when you access and use the Services and continue to apply until terminated by either you or us.

When we can terminate or suspend your access. We can immediately suspend your access to and use of the Services or terminate these Terms without advance notice or liability to you if:

you no longer meet the Eligibility Criteria,
you breach these Terms,
you don’t pay our Fees, or
we’re instructed or required to do so by a governmental body, law or regulation.

Please be aware that at any time, Ramp, subject to its sole discretion, is entitled to terminate your access to the Services, including Ramp’s right to: refuse processing, cancel and reverse any transaction, regardless of if corresponding funds have been debited from your payment method; suspend, restrict or terminate a Ramp user.

Consequences of our suspension or termination. If you’ve initiated a trade before we terminate or suspend your access, we’ll return the relevant Fiat currency or Digital Assets to you unless law or regulation doesn’t allow us to. Anything in these Terms which is intended to survive termination - including your indemnity, taxes, warranty disclaimers, IP, and governing law - will remain in force.

CONFIDENTIALITY

Mutual obligations. Each party agrees to keep all confidential and sensitive information shared by the other party secure and confidential for the duration of these Terms, and only use the other’s confidential information in order to fulfil the purpose of these Terms.

Sharing confidential information. A party may share the other’s confidential information with its officers, Affiliates, employees, contractors, members, representatives, professional advisors, agents and subcontractors ( the “Permitted Receivers”) on a need-to-know basis provided they are committed in writing to confidentiality obligations similar to what is set out in these Terms. Each party is liable for any act or omission of its Permitted Receivers that would constitute a breach of this Agreement if it were a party to it.

Obligations on termination. Each party must take reasonable steps to destroy or erase any confidential information it holds from the other party within 30 days of the owner’s request, except that copies of confidential information may be retained if they are securely stored in archival or computer back-up systems and if necessary to meet legal or regulatory obligations.

INTELLECTUAL PROPERTY

All intellectual property rights in Ramp and the Services are owned by us and remain owned by us. You’re not allowed to reproduce or store any part of Ramp, our Services or marks in any way without our prior written permission which we may deny for any given reason.

DATA PROTECTION

We comply with all applicable data protection laws at all times and only use your personal data to provide you with the Services. Check out our Privacy Policy for full details on what we collect, why we need it and how we look after it.

DISCLAIMERS

Warranty disclaimer.

RAMP SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTY UNDER THESE TERMS AND TO THE EXTENT ALLOWED BY APPLICABLE LAW ALL EXPRESS OR IMPLIED CONDITIONS, REPRESENTATIONS, AND WARRANTIES INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SATISFACTORY QUALITY, OR ARISING FROM A COURSE OF DEALING, USAGE, OR TRADE PRACTICE, OR WARRANTY OF NON-INFRINGEMENT ARE DISCLAIMED.
IN NO EVENT SHALL RAMP, ITS AFFILIATES AND SERVICE PROVIDERS, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES, CONTRACTORS, OR REPRESENTATIVES, BE LIABLE FOR ANY LOST PROFITS, DIMINUTION IN VALUE OR BUSINESS OPPORTUNITY, ANY LOSS, DAMAGE, CORRUPTION OR BREACH OF DATA OR ANY OTHER INTANGIBLE PROPERTY OR ANY SPECIAL, INCIDENTAL, INDIRECT, INTANGIBLE, OR CONSEQUENTIAL DAMAGES, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH AUTHORIZED OR UNAUTHORIZED USE OF THE RAMP SERVICES OR THESE TERMS, EVEN IF AN AUTHORIZED REPRESENTATIVE OF RAMP HAS BEEN ADVISED OF OR KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES.
RAMP MAKES NO REPRESENTATIONS ABOUT THE ACCURACY, ORDER, TIMELINESS OR COMPLETENESS OF HISTORICAL OR CURRENT ELIGIBLE DIGITAL ASSETS PRICE DATA AVAILABLE THROUGH THE RAMPS SERVICES. RAMP WILL MAKE REASONABLE EFFORTS TO ENSURE THAT REQUESTS FOR TRANSACTIONS ARE PROCESSED IN A TIMELY MANNER BUT RAMP MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE AMOUNT OF TIME NEEDED TO COMPLETE PROCESSING (WHICH IS DEPENDENT UPON MANY FACTORS, INCLUDING THOSE OUTSIDE OF OUR CONTROL), AND RAMP SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES WHICH YOU MAY INCUR AS A RESULT OF ANY DELAY IN THE PROVISION OF THE SERVICES.

LIABILITY

Liability we can’t exclude. We don’t exclude liability for fraud, death or personal injury caused by negligence, or anything which cannot be excluded by law.

Exclusions. We’re not liable for:

loss which isn’t reasonably foreseeable, including any indirect or consequential losses,
loss of data, funds, Digital Assets or any losses you suffer as a result of price fluctuations, inaccuracies in price information given in relation to Digital Assets or non-availability of Digital Assets, and
Force Majeur: loss resulting from anything outside of our reasonable control, which includes anything any third party does or fails to do, including third party exchanges, token issuers and/or wallet providers, delay or failure due to any act of God, act of civil or military authorities, act of terrorists, civil disturbance, war, strike or other labor dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, other catastrophe or any other occurrence which is beyond our reasonable control and shall not affect the validity and enforceability of any remaining provisions.

In no event shall you have any recourse, whether by setoff or otherwise, with respect to our obligations, to or against any assets of any person or entity other than Ramp, including, without limitation, any member, shareholder, Affiliate, investor, employee, officer, director, agent or advisor of Ramp.

Limitation on liability. Our liability for any claim brought under these Terms is limited to the Fees paid by you in the 12 months directly before the claim.

Written notification of errors. Pursuant to the information published in Ramp's FAQ's, all claims of EFT Errors should be addressed in writing to support@ramp.network and include the following relevant information: user identification such as name and associated email account, the time and date when the error occurred, specific information regarding the alleged error.

INDEMNITY

You agree to indemnify and hold harmless Ramp and its Affiliates, and their respective employees, managers, officers, directors, partners and shareholders from any losses, damages, suits and expenses, of whatever kind, including reasonable legal fees and the costs of any trades (e.g. any Network Fees) that we incur in connection with or arising out of your access to or use of the Services, or our activities in connection with such Services, and for your breach of these Terms or violation of any law, regulation, order or other legal mandate, or the rights of a third party, or any act or omission by you or any person acting on your behalf while using the Services, regardless of whether the specific use was expressly authorized by you.

OTHER IMPORTANT INFORMATION

Nobody else has any rights under these Terms. These Terms are a contract between you and us. No other person shall have any rights to enforce any of its terms.

Even if we delay in enforcing this contract, we can still enforce it later. If we don’t immediately insist that you do something you are required to do under these Terms, or if we delay in taking steps against you in respect of your breach, we can still do so later on.

Severability. If any provision in these Terms found to be unenforceable, that provision shall be severed with the remainder of these Terms remaining in full force and effect.

Entire Agreement. These Terms constitute a complete and exclusive agreement between you and Ramp. In the event of inconsistency or discrepancy between the Terms and any other document accompanying it, the Terms shall prevail.

Governing law and jurisdiction. Unless expressed otherwise or inadmissible by law, these Terms and all documents and contractual rights and obligations arising in relation to the Services, are governed by the Governing Law and the courts of the Jurisdiction have exclusive jurisdiction to hear disputes in connection with them.

Entity	Governing Law	Jurisdiction
Ramp Global	England and Wales	England and Wales
Ramp US	New York	New York State

Complaints. If you have any questions or a complaint about Ramp or the Services, drop us a line at support@ramp.network.

FOR US CUSTOMERS ONLY

Important information. Prior to obtaining access to the Services, please read these additional U.S. Terms of Service carefully and ensure that you understand each provision. These Terms are in addition to the Global Terms of Service and constitute one binding document. By accepting these U.S. Terms of Service, you confirm that you have read, understand, and accept all of the Terms and provisions contained in these U.S. Terms of Service, including Section 1 (b), “Arbitration; Waiver of Class Action”. These additional U.S. Terms of Service apply to all 50 states and territories of the United States of America.

If you are a U.S. user and you are unable to comply with this U.S. Terms of Service, please do not use our Ramp Application. Failure to comply with this directive may result in a violation of the applicable laws or regulations. When in doubt, you can always contact us at: support@ramp.network.

DISPUTES, BINDING INDIVIDUAL ARBITRATION, AND CLASS ACTIONS AND CLASS ARBITRATIONS WAIVERS.

A. Disputes. The Terms of this Section shall apply to all Disputes between you and Ramp. For the purposes of this Section, “Dispute” shall mean any dispute, claim, or action between you and Ramp arising under or relating to the Services and the Ramp platform, these Terms, or any other transaction involving you and Ramp, whether in contract, warranty, misrepresentation, fraud, tort, intentional tort, statute, regulation, ordinance, or any other legal or equitable basis, and shall be interpreted to be given the broadest meaning allowable under law.

B. Binding Arbitration. You and Ramp further agree: (i) to arbitrate all Disputes between the parties pursuant to the provisions in these Terms; (ii) these Terms memorialize a transaction in interstate commerce; (iii) the Federal Arbitration Act (9 U.S.C. § 1, et seq.) governs the interpretation and enforcement of this Section; and (iv) this Section shall survive termination of these Terms. ARBITRATION MEANS THAT YOU WAIVE YOUR RIGHT TO A JUDGE OR JURY IN A COURT PROCEEDING AND YOUR GROUNDS FOR APPEALS ARE LIMITED. The arbitrator may award you the same damages and relief as a court sitting in proper jurisdiction could, and may award declaratory or injunctive relief. In addition, in some instances, the costs of arbitration could exceed the costs of litigation and the right to discovery may be more limited in arbitration than in court. The decision of the arbitrator shall be final and enforceable by any court with jurisdiction over the parties.

C. Small Claims Court. Notwithstanding the foregoing, you may bring an individual action in the small claims court of your state or municipality if the action is within that court’s jurisdiction and is pending only in that court.

D. Dispute Notice. In the event of a Dispute, you or Ramp must first send to the other party a notice of the Dispute that shall include a written statement that sets forth the name, address and contact information of the party giving it, the facts giving rise to the Dispute, and the relief requested (the “Dispute Notice”).

Content of Dispute Notice. The Dispute Notice should include: your name, and email address; and the details of your complaint; and, where appropriate or required by us:address, and/or ‘telephone number; and/or; the transaction reference number; and/or; the name and title of the employee, agent or officer; and/or; any documents or other evidence you wish to rely on as proof. Making an inquiry is generally not subject to these requirements, but our ability to answer inquiries may be dependent on your providing us with additional relevant information and/or data. You can only make complaints on behalf of yourself and not on behalf of other customers, unless the circumstances require it.

The Dispute Notice to Ramp must be addressed to: Ramp LLC at legal@ramp.network or to the most recent email or mailing address we have on file or otherwise in our records for you (the “Ramp Notice Addresses”). Any Dispute Notice response to you shall be delivered by one of the communication channels you have provided Ramp, which may include email or other electronic transmission, and you agree that such a delivery of a Dispute Notice to you shall be sufficient. Should you require obtaining a Dispute Notice by any other communication channel, you must inform Ramp of such a requirement in writing. Following submission and receipt of the Dispute Notice, you and Ramp each agree to act in good faith to seek to resolve the Dispute before commencing arbitration. If Ramp and you do not reach an agreement to resolve the Dispute within thirty (30) days after the Dispute Notice is received, you or Ramp may commence an arbitration proceeding pursuant to this Section.

E. WAIVER OF CLASS ACTIONS AND CLASS ARBITRATIONS.

YOU AND RAMP AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER PARTY ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING, INCLUDING WITHOUT LIMITATION FEDERAL OR STATE CLASS ACTIONS, OR CLASS ARBITRATIONS. ACCORDINGLY, UNDER THE ARBITRATION PROCEDURES OUTLINED IN THIS SECTION, AN ARBITRATOR SHALL NOT COMBINE OR CONSOLIDATE MORE THAN ONE PARTY’S CLAIMS WITHOUT THE WRITTEN CONSENT OF ALL AFFECTED PARTIES TO AN ARBITRATION PROCEEDING. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, YOU AND RAMP AGREE THAT NO DISPUTE SHALL PROCEED BY WAY OF CLASS ARBITRATION WITHOUT THE WRITTEN CONSENT OF ALL AFFECTED PARTIES.

F. Arbitration Procedure. If a party elects to commence arbitration, the arbitration shall be governed by the rules of the American Arbitration Association (“AAA”) that are in effect at the time the arbitration is initiated (the “AAA Rules”), available at https://www.adr.org/Rules or by calling 1-800-778-7879, and under the rules set forth in these Terms, except that AAA may not administer any multiple claimant or class arbitration, as the parties agree that the arbitration shall be limited to the resolution only of individual claims. If there is a conflict between the AAA Rules and the rules set forth in these Terms, the rules set forth in these Terms shall govern. You may, in arbitration, seek any and all remedies otherwise available to you pursuant to federal, state, or local laws. All Disputes shall be resolved by a single neutral arbitrator, and both parties shall have a reasonable opportunity to participate in the selection of the arbitrator as provided in the AAA Rules. The arbitrator is bound by these Terms. The arbitrator, and not any federal, state or local court or agency, shall have exclusive authority to resolve all disputes arising out of or relating to the interpretation, applicability, enforceability or formation of these Terms, including, but not limited to, any claim that all or any part of these Terms is void or voidable. The arbitrator shall be empowered to grant whatever relief would be available in a court under law or in equity. The arbitrator’s award shall be binding on the parties and may be entered as a judgement in any court of competent jurisdiction. You may choose to engage in arbitration hearings by telephone or by video conference. Hearings in any arbitration commenced by you that are not conducted by telephone or video conference shall take place in New York, New York, unless there is a location in the continental United States more convenient to you, in which case the arbitration shall take place either in New York, New York, or such other location in the continental United States, at your option.

G. Initiation of Arbitration Proceeding. If either you or Ramp decide to arbitrate a Dispute, we agree to the following procedure:

Write a Demand for Arbitration. The demand must include a description of the Dispute and the amount of damages sought to be recovered. You can find a copy of a Demand for Arbitration at https://www.adr.org/Forms?practice=all (“Demand for Arbitration”).
Send one copy of the Demand for Arbitration, plus the appropriate filing fee, to
American Arbitration Association
Case Filing Services
1101 Laurel Oak Road, Suite 100
Voorhees, NJ 08043
OR
File online using AAA WebFile at https://www.adr.org
OR
File at any of the AAA’s offices.
Send one copy of the Demand for Arbitration to the other party at the same address as the Dispute Notice, or as otherwise agreed to by the parties.

Hearing Format. In all hearing formats, the arbitrator shall issue a written decision that explains the essential findings and conclusions on which an award, if any, is based. During the arbitration, the amount of any settlement offer made by Ramp or you shall not be disclosed to the arbitrator.

Exclusive Venue for Proceedings in Connection with Arbitration. Ramp and you agree that any proceeding to compel arbitration, confirm an award, or to seek interim or other relief in aid of arbitration, may be filed only in the competent state or federal courts located in New York County, New York.

2. NOTICE TO CALIFORNIA RESIDENTS

This notice is pursuant to the California Consumer Privacy Act. Under this Act, you have a right to ask Ramp about our data collection practices and your privacy-related rights under California law. We will comply with all requests required under law.

Deletion Rights. Subject to certain exceptions, you have the right to request that we delete any of your personal information that we collected from you and retained.

Non-Discrimination. We recognize and respect that you have the right to not receive discriminatory treatment by the business for exercising any of your CCPA rights.

Exercising Access, Data Portability, and Deletion Rights. To exercise the access, data portability, and deletion rights described above as a California resident, please submit a verifiable consumer request to us by contacting us as at legal@ramp.network.

Use of an Authorized Agent to Submit a Request. Only you or a person you formally authorize to act on your behalf, may make a verifiable consumer request related to your personal information as a California consumer. If you use an authorized agent to submit such a request, we will require written proof that the authorized agent has been authorized to act on your behalf or a copy of the power-of-attorney document granting that right.

Privacy Policy

Last Updated: February 16, 2022

We at Ramp Swaps Ltd, Ramp Swaps LLC, and its subsidiaries (“Ramp,” “we,” “us,” or “our”) are committed to protecting your privacy. This Privacy Policy (“Policy”) informs you how we collect, use, secure, and share your personal data collected by us when you visit our websites located at ramp.network, rampnetwork.recruitee.com, or any other websites, pages, features, or content we own or operate (collectively, the “Site(s)”), when you use the Ramp SDK or third party applications relying on such SDK, when you use the Ramp API or third party applications relying on such API, and related services (referred to collectively hereinafter as “Services”).

By accessing and using our Services, you are agreeing to the terms of this Policy. Where we require your consent to process your personal data, we will ask for your consent to the collection, use, and disclosure of your personal data in advance, and such consent is voluntary and can be withdrawn at any time. However, if you withdraw such a consent, Ramp may not be able to provide you Services.

If you do not agree with or you are not comfortable with any part of this Policy, please immediately discontinue access or use of our Services.

We may change this Privacy Policy from time to time. If we make a change to this Policy that we believe materially affects how we process your personal data or reduce your rights, we will provide you with notice. We may also provide “just-in-time” disclosure or additional information about our data collection, use and sharing practices of specific Services. These notices may supplement or clarify Ramp’s privacy practices or may provide you with additional choices about how we process your personal data.

Personal Data We Collect

Ramp collects certain personal data about you and your use of the Service. This information falls into three primary categories: (1) information you provide to us, (2) information we collect from you automatically, and (3) information we collect from third parties. Personal data is any information that identifies or makes an individual identifiable.

Information you provide to us. Collection of this personal data is either required by law, or necessary to provide the requested service. We may collect the following types of personal data from you:

Personal Identification Information: Full name, date of birth, place of birth, and/or email address.
Financial Information, i.e. crypto currency addresses information, wallet address, transaction history, trading date
Customer Service: Records and copies of your correspondence (including email addresses), if you contact us via email or via online chat feature.
Employer/employee Information: Start date, company name, and/or title, education and training Information (schools/universities attended, course of study, academic grades, degrees obtained, and/or professional certification and licenses).

Information we automatically collect from you. To the extent permitted under the applicable law, we may collect certain types of information automatically, such as whenever you interact with the Sites or use the Services. This information helps us address customer support issues, improve the performance of our Sites and Services, provide you with a streamlined and personalized experience, and protect your account from fraud by detecting unauthorized access. We may collect following types of information automatically from you:

Information About Your Use of the Service: when you browse our Sites, we automatically collect information such as your web request, Internet Protocol (“IP”) address, browser type, domain names, referring and exit pages and URLs, pages viewed and the order of these page views, and/or the date and time you accesses our servers.

Information we collect from third parties. From time to time, we may obtain information about you from third party sources as required or permitted by law such as your service providers and through publicly available sources. For example, payment providers you use to transfer money to us will provide us with your basic personal information, such as your name and address, as well other data necessary to carry out transactions. We may also collect data from AISP if you choose to use this identification and/or payment method (on the basis of your explicit consent given to AISP to obtain account information).

Cookies and Similar Tracking Technologies

We and third parties on our behalf may employ various tracking technologies, such as cookies and other similar technologies (collectively, “Tracking Technologies”) to collect additional Personal data automatically as you interact with our Services, that help us to personalize your experience with our Service, and help us better manage content on our Service by informing us what content is effective.

Cookies are small text files that a website can use to recognize a repeat visitor to the Sites. We may use cookies and similar technologies for various purposes, including to:

Analyze our web traffic using an analytics package
Identify whether you already visited our Sites
Test content on our Sites
Store information about your preferences
To recognize when you return to our Sites

Our Sites may use a ‘load balancer’ to store an identifier on your browser to help keep you connected to the same web server throughout your visit, for a smoother browsing experience. Similarly, session cookies enable our individual web servers to keep track of your progress throughout your visit. When you submit data through a form such as a contact page or comment box, cookies may be set to remember your user details for future correspondence.

We may use the following third-party cookies:

Google Analytics - website traffic tracking and user targeting. It helps us to analyze how you use our Sites.
Intercom Live Chat - built-in online chat for customer support. It helps us communicate with you.
Cloudflare - to keep the connection stable and to identify spammers.

If you do not want Ramp to deploy cookies in your browser, you can opt-out by setting your browser to refuse some or all cookies, or notify you when a website tries to set a cookie in your browser software. If you choose to disable cookies in your browser, you can still use the Website, although your ability to use some of the features may be affected. If you want to learn the correct way to modify your browser settings, please use the Help menu in your browser or review the instructions provided by the following browsers: Internet Explorer, Google Chrome, Mozilla Firefox, Safari Desktop, Safari Mobile; and Android browser.

If you want to exercise your rights regarding personal data collected via cookies and similar tracking technologies, please the Your Rights and Choices section below.

The information generated by the cookies will be transferred to Google, and Intercom and Cloudflare in the above-mentioned scope. Therefore, we would like to inform you that detailed information on the use of cookies by these entities can be found at:

Analytics

Our Sites and our third-party technology providers use third-party analytics services (such as Google Analytics) to evaluate your use of the Sites, compile reports on activity, collect demographic data, analyze performance metrics, and collect and evaluate other information relating to the Sites and Internet usage. These third parties use cookies and other technologies to help analyze and provide us the data. For more information on how to opt-out Google Analytics tracking, click here.

Why We Use Your Personal Data

Our primary purpose in collecting personal data is to provide you with a secure, smooth, efficient, and customized experience. In general, we use personal data to create, develop, operate, deliver, and improve our Services. We may use your personal data to:

Provide Ramp’s Services. We process your personal data to provide the Services to you. For example, when you fund your Ramp account, we require certain information such us your identification, payment information. We will not be able to provide you with Service without such information. Third parties such as identity verification services may also access and/or collect your personal data when providing identify verification and/or fraud prevention services.
Maintain Legal and Regulatory Compliance. Ramp’s core Services are subject to laws and regulations requiring us to collect, use, and store your personal data in certain ways. For example, Ramp must identify and verify customers using our Services in order to comply with anti-money laundering laws of various jurisdictions. If you do not provide personal data required by law, we will have to close your account.
Enforce Terms in Our Agreements. Ramp handles sensitive information, such as your identification and financial information, so it is very important for us and our users that we actively monitor, investigate, prevent, and mitigate any potentially prohibited or illegal activities, enforce our agreements with third parties, and/or prevent and detect violations of our posted Terms of Service.
Detect and Prevent Fraud and Security Risks. We may process your personal data to help monitor, prevent and detect fraud and abusive use of our Service, enhance security, and combat other security risks what might result in funds loss.
Response to Requests. We may process your personal data when you contact us, such as with questions, concerns and feedback. We may share this information with our service providers or partners to the extent necessary to provide you a response.
Provide Services Communications. We may send administrative, account and/or transaction related communications to you to keep you updated about our Services, inform you of relevant security issues, or provide other information related to your transactions.
Provide Marketing Communications. We may process your personal data or service usage information to send you marketing communications that we believe may be of interest to you, such as marketing newsletters and commercial information about our Services. We only process your personal data for this purpose with your consent and you may opt out from receive marketing communication when registering an account with us.
Research and Development of Our Services. We process your personal data to build statistical models, to better understand the way you use and interact with our Services to improve our existing Services and to build new Services.
Personalize Your Experience. As permitted under the applicable law, we may also use cookies to process your information to personalize your experience and to enable you to more easily interact with our Services across platforms and devices. Please see Cookies and Other Similar Tracking Technologies section for more information.
Facilitate Corporate Acquisitions, Mergers and Transactions. We may process any information regarding your account and use of our Services as is necessary in the context of corporate acquisitions, mergers, or other corporate transactions.
With Your Consent. For any other purpose disclosed to you prior to you providing us your personal information or which is reasonably necessary to provide the services or other related services requested, with your permission or upon your direction.

Legal Bases for Processing Your Personal Data

For individuals who are located in the European Economic Area, Switzerland or the United Kingdom (collectively, “Europe Residents”) at the time of data collection, our legal bases for processing your information under the applicable data protection laws will depend on the personal data at issue, the specific context in the which the personal data is collected and the purposes for which it is used. We generally only process your data where we are legally required to; where processing is necessary to perform any contracts we entered with you or to take steps at your request prior to entering into a contract with you; where processing is in our legitimate interests to operate our business and not overridden by your data protection interests or fundamental rights and freedoms,; or where we have obtained your consent to do so,. Below is a chart showing how Ramp uses your personal data, as described above in Section 3, with the corresponding legal bases for processing.

Section & Purpose of Processing	Legal Bases for Processing
(2) Maintain Legal and Regulatory Compliance. (4) Detect and Prevent Fraud and Security Risks.	Based on our legal obligations.
(1) Provide Ramp’s Services. (3) Enforce Terms in Our Agreements. (6) Provide Services Communications.	Based on our contract with you or to take steps at your request prior to entering a contract.
(8) Research and Development of Our Services. (9) Personalize Your Experience. (10) Facilitate Corporate Acquisitions, Mergers, and Transactions.	Based on our legitimate interest to operate our business and not overridden by your data protection interests or fundamental rights and freedom.
(5) Respond to Requests. (7) Provide Marketing Communications. (11) With Your Consent.	Based on your consent.

How We Share Your Personal Data

We share your personal data as needed to fulfill the purposes described in this Policy and as permitted by applicable law. We may share your personal fata in the following circumstances:

Within Our Corporate Organization. We may share information between and among Ramp subsidiaries and affiliated companies for purposes of KYC/CDD checks, fraud detections, decision making, customer support, and other business purposes.
When We Work with Service Providers. We may share your information with service providers that provide us with support services, such as secure website hosting, cloud storage, information technology maintenance, transaction monitoring, network infrastructure, payment processing, security, fraud detections, KYC/CDD checks, customer support and analytics.
With Payment Processors. Upon your authorization, we may share your personal data with financial institutions that we partner with to process payments.
With Our Professional Business Advisors. We may share your personal data with our professional advisors who provide banking, legal, compliance, and other consulting services in order to complete required legal audits of our operations, or otherwise comply with our legal obligations.
Corporate Transactions. We may disclose personal data to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal data held by us is among the assets transferred. By engaging with us or using our Services, you understand and agree to our assignment or transfer of rights to your personal data.
As Required by Law. We may disclose your information if we believe that the disclosure is required by law, if we believe that the disclosure is necessary to enforce our agreements or policies, in response to valid requests by public authorities (e.g., a court or a government agency), or if we believe that the disclosure will help us protect the rights, property, or safety of Ramp or our customers.
With Your Consent. We may disclose your personal data for any purpose with your consent. For example, to other data controllers whose terms of service you consented to.

Third-Party Sites and Services

Our Services may contain links to third-party websites. Please note that third parties you interact with may have their own privacy policies, and Ramp is not responsible for their operations or their use of data they collect. We encourage you to check the applicable third-party privacy policy and terms of use when visiting or using any third-party services.

Your Rights and Choices

Depending on the applicable law where you reside, you may exercise the following rights. We may limit these privacy rights requests: (1) when denial of access is required or authorized by law; (2) when granting access would have a negative impact on another's privacy; (3) to protect our rights and properties; (4) where the request is frivolous or burdensome. If you would like to exercise your rights under applicable law, please contact us at dpo@ramp.network. We may seek to verify your identity when we receive your privacy rights request to ensure the security of your personal data.

Right to access. You may have the right to obtain a copy of your personal data that we hold about you, as well as other supplementary information, such as the purposes of processing, the categories of personal data that Ramp processes, and the entities to whom Ramp discloses your personal data.
Right to rectification. You have the right to request us correct any of your personal data in our files.
Right to erasure. Under certain circumstances, you may have the right to the erasure your personal data that we hold about you. For example, when the personal data is no longer necessary in relation to the purposes for which they were collected or otherwise processed, or when you withdraw your consent for processing, you may request to delete such information. To note, this right is not absolute, and we may refuse your right to erasure if there is compelling legitimate grounds for keeping your personal data.
Right to restriction. You have the right to request that we restrict our processing of your personal data in certain circumstance. For instance, this right is available if you contest the accuracy of the personal data or you objected to processing and Ramp is in the process of verification of the lawful grounds for processing.
Right to object to processing. You have the right to object to our processing of your personal data at any time and as permitted by applicable law if we process your personal data on the legal bases of: consent, contract, or legitimate interests (See Section 6 above). However, we may continue to process your personal data if it is necessary for the defense of legal claims, or for any other exceptions permitted by applicable law.
Right to withdraw consent. You have the right to withdraw your consent to the processing of your personal data collected on the basis of your consent at any time. Your withdrawal will not affect the lawfulness of our processing based on consent before your withdrawal.
Right to portability. Under circumstances, you may have the right to receive personal data we hold about you in a structured, commonly used, and machine-readable format so that you can provide that personal data to another controller.
Automated individual decision-making, including profiling. You have the right not to be subject to a decision based solely on automated processing of your personal data, including profiling, which produces legal or similarly significant effects on you, save for the exceptions applicable under relevant data protection laws. We do not engage in this type of automated processing.

If you believe we have infringed or violated your privacy rights, please contact us at dpo@ramp.network. We will investigate and attempt to resolve complaints and disputes regarding use and disclosure of personal Data in accordance with this Policy.

If you are a resident of the EU, UK or Switzerland and feel that your personal data has not been handled correctly, or you are unhappy with our response to any requests you have made to us regarding the use of your personal data, you have the right to lodge a complaint with your local data protection authority about our collection and use of your personal data.

International Transfer of Personal Data

Our Service is operated in the European Economic Area (EEA), the United Kingdom, the United States, and potentially elsewhere. For EEA Residents, the personal data we collect from you will not be transferred to or stored outside of the EEA unless you consent to authorizing a U.S. payment processing services providers or Ramp’s U.S. affiliates and partners to fulfill the transactions. If you choose to authorize such transactions, you hereby irrevocably and unconditionally consent to the transfer, processing, and use of your information in the United States.

If we transfer your personal data outside of the EEA and UK to a data processor, we will ensure that the transfer is lawful and that data processors in third countries are obliged to comply with the European Union (EU) General Data Protection Act 2016 and the UK Data Protection Act 2018.

We will protect your personal data in accordance with this Policy wherever it is processed and will take appropriate contractual or other steps to protect the relevant personal data in accordance with applicable laws. We contractually obligate recipients of your personal data to agree to at least the same level of privacy safeguards as required under applicable data protection laws.

Retention of Your Personal Data

We will only retain your personal information for as long as it is necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting obligations or to resolve disputes. For example, for the purposes of our compliance with Anti-Money Laundering obligations, we will store your personal data for five years beginning on the date on which our business relationship has come to an end.

We will cease to retain your personal data, or remove the means by which the data can be associated with you, as soon as it is reasonable to assume that such retention no longer serves the purpose for which the personal data was collected, and is no longer necessary for legal or business purposes.

How We Protect Your Personal Data

We maintain (and contractually requires third parties that shares your personal data to maintain) appropriate physical, technical and administrative safeguards to protect the security and confidentiality of your personal data both during transmission and at rest. For example, we use industry standard encryption methods, such as TLS/SSL protocol, for all data transmissions and we store all data in encrypted databases to ensure the security of your data.

Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. We cannot guarantee that the information you supply will not be intercepted while being transmitted over the Internet. In particular, e-mail sent to us may not be secure, and you should therefore take special care in deciding what information you send to us via e-mail (and please do not send us sensitive information, such as payment card information or government issued IDs). You are responsible for protecting your password(s) and maintaining the security of your browsers and devices.

If you have reason to believe that your personal data is no longer secure, please contact us immediately at: dpo@ramp.network.

Notice to California Residents

This section only applies to California residents. The purpose of this section is to inform California residents (“consumers” or “you”), at or before the time of collection of “personal information” (as that term is defined in the California Consumer Privacy Act (“CCPA”)), about our data collection practices and your privacy-related rights under California law). Your “right to know” about personal information collected, used, and disclosed by Ramp includes what categories of personal information we collect from you and the purpose for its collection; how we use those categories of personal information; and how we share the personal information you entrust to us.

Categories of Personal Data Collected

The chart below describes the categories of personal information that Ramp has collected in the preceding 12 months, the sources and purpose of such collection, and the parties to whom the information was shared for business purpose.

Personal Information	Sources of Personal Information	Purpose of Information Collection	Disclosure of Personal Information
(A) Identifiers	Information you provide to us; Information we automatically collect from you, as outlined in Section 1 above.	See Section 3, subsection 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, and 11.	To our service providers; to financial institutions, to protect lawful interests, to professional advisors, within our organization, with your consent, as outlined in Section 5 above.
(B) Personal information under California Civil Code section 1798.80	Information you provide to us; Information we automatically collect from you, as outlined in Section 1 above.	See Section 3, subsection 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, and 11.	To our service providers; to protect lawful interests; and for any other purpose with your consent, as outlined in Section 5 above.
(C) Protected Classifications, including gender and age.	Information you provide to us; Information we automatically collect from you, as outlined in Section 1 above.	See Section 3, subsection 2.	To our services providers, as outlined in Section 5 above.
(D) Commercial information, such as records of service purchased	Information you provide to us; Information we automatically collect from you, as outlined in Section 1 above.	See Section 3, subsection 1, 2, 4, 5, 6, 7, 8, 9, and 10.	To our service providers; within our organization, to financial institutions, to professional advisor, and to protect lawful interests, as outlined in Section 5 above.
(F) Internet activity information, such as browsing history.	Information we automatically collect from you, as outlined in Section 1 above.	See Section 3, subsection 1, 4, 5, 6, 7, 8, 9, and 10.	To our service providers, within our organization, to protect lawful interests, and for any other purpose with your consent, as outlined in Section 5 above.
(G) Geolocation data	Information we automatically collect from you, as outlined in Section 1 above.	See Section 3, subsection	To our service providers, to protect lawful interests, and for any other purpose with your consent, as outlined in Section 5 above.
(I) Professional or employment related information	Information you provide to us; Information we collect from third parties, as outlined in Section 1 above.	See Section 3, subsection 2 and 7.	To our service providers, within our organization, to protect lawful interests, and for any other purpose with your consent, as outlined in Section 5 above.
(J) Inferences about preferences, characteristics, etc.	Information you provide to us; Information we automatically collect from you, as outlined in Section 1 above.	See Section 3, subsection 7, 8, and 9.	To our service providers, , within our organization, to professional advisor, and to protect lawful interests, as outlined in Section 5 above.

Rights Under the CCPA

Access to Specific Information and Data Portability Rights – Subject to certain exceptions, if you are a California resident you have the right to request a copy of the personal information that we collected about you during the 12 months before your request. Once we receive your request and verify your identity, we will disclose to you:

The categories of personal information we have collected about you;
The categories of sources for the personal information we have collected about you;
Our business or commercial purpose for the information collection;
The categories of third parties with whom we share that personal information; and
The specific pieces of personal information we collected about you.

Sale of Personal Information – You have the right to request that we disclose to you: the categories of your personal information that we sold, and the categories of third parties to whom your personal information was sold. Ramp does not sell your personal information in its ordinary course of business and will never sell your personal information to third parties without your explicit consent.

Deletion Request Rights – Subject to certain exceptions, you have the right to request that we delete any of your personal information that we collected from you and retained.

Non-Discrimination – We recognize and respect that you have the right to not receive discriminatory treatment by the business for exercising any of your CCPA rights.

Exercising Access, Data Portability, and Deletion Rights – To exercise the access, data portability, and deletion rights described above as a California resident, please submit a verifiable consumer request to us by contacting us as described in the “Contact Us” section below.

Use of an Authorized Agent to Submit a Request – Only you or a person you formally authorize to act on your behalf, may make a verifiable consumer request related to your personal information as a California consumer. If you use an authorized agent to submit such a request, we will require written proof that the authorized agent has been authorized to act on your behalf or a copy of the power-of-attorney document granting that right.

Children’s Personal Data

We do not knowingly request to collect personal data from any person under the age of 18. Hereinafter “Child”. If a user submitting personal data is suspected of being under the age of 18, we will require the user to close his or her account, terminate the user’s access to our Service, and take steps to delete the personal data collected as soon as possible. If you know of any Child using our Services, please notify us via the method identified in the Contact Us section below so we can take action to prevent access to our Services.

If you have any questions or concerns regarding this Privacy Policy, or if you have complaint, please contact the operating entities listed below for the area where you are a resident of:

If you reside in the European Economic Area or the United Kingdom, the controller of your personal information is Ramp Swaps Ltd - a British private limited company, with its registered office in London 5th Floor, Gilray House, 146-150 City Road, London, England, EC1V 2NL. You may contact us via e-mail at: dpo@ramp.network, or by other means of communication, as referred to in the Customer Support and Complaints Handling Policy.
If you reside in the European Economic Area, you may reach our member representative, Data Officer, by emailing them at dpo@ramp.network.
If you reside in the United States, the controller of your personal data is Ramp Swaps LLC, with registered office in 8 The Green, STE B, Dover, County of Kent, DE 19901. You may contact us dpo@ramp.network.

Customer Support & Complaints Handling Policy

Our Approach
1. Ramp intends to stay as client-oriented service provider as possible. In order to achieve these goals, we have decided to enact this policy.
2. The aim of this policy is to ensure that:
  1. the quality of services offered by Ramp remains as high as possible;
  2. you receive the best customer service you can get;
  3. our application is constantly improving and responds to your needs in a dynamic business environment;
  4. our employees, agents and officers treat you responsibly and with care;
  5. the rules of our service are always clear and fair; and
  6. handling of any and all complaints is quick and efficient.
Scope of this Policy
1. This policy applies to our users using Ramp Application, as well as anyone else who would like to either make an inquiry or file a complaint. If the situation requires it, however, we may prioritize complaints filed by customers over inquiries made by other persons.
2. This policy applies to all our customers, both individuals and legal persons - not only consumers.
3. For the purposes of this policy, any reference to Ramp Application also includes our employees, agents or officers.
4. Complaints may relate to any of our activities and may include (but shall not be limited to):
  1. the quality of the customer service you have received from Ramp Application;
  2. the behaviour and/or professional competence of our employees, agents or officers; or
  3. any and all delays, defects, and/or other problems associated with the provision of services by Ramp Application.
5. Inquiries may relate to:
  1. general questions about our services;
  2. formal requests for the disclosure or erasure of information; or
  3. ther inquiries, offers, questions, suggestions, and/or requests.
Basic Customer Support
1. Our application uses the Intercom Chat plugin in order to facilitate the processing of customer queries and support. By using this tool, which has been integrated into our application, you also agree to its terms and conditions. The same applies to the other forms of contact embedded within it, i.e. messaging and email. You can find more information about Intercom here.
2. If you feel that the customer support provided by Intercom Chat or through any other static document or form that we might offer (such as an FAQ or a similar form) is insufficient, you can either make an inquiry or file a complaint in accordance with the procedure set out below.
3. Please note that our customer support is handled by our affiliate company, Ramp Network sp. z o.o., with its registered office at Wioślarska 8, 00-411 Warsaw, Poland, support@ramp.network.
Modes of Contact
1. You can make an inquiry or file a complaint either:
  1. through our customer support system embedded in our application; or
  2. by sending an email to: support@ramp.network
2. The modes of contact mentioned in point 4.1 letters b) and c) above can be accessed through our application, which provides the relevant references for your convenience.
3. The modes of contact mentioned in point 4.1 letters a), b), and c) above do not exclude other mode of contact (e.g. phone, social media, etc.), but in principle, these are not covered by this policy and, unless stated otherwise, do not represent customer support.
4. Except for automated forms of customer support, our employees, agents and officers are available to you during Ramp Network's business hours (i.e. 10:00 AM CET to 7:00 PM CET, Monday to Friday, Business Days only). Please also note that sometimes our customer support system may be temporarily available, e.g. due to technical reasons or Intercom Chat functionality.
Filing a Complaint
1. When filing a complaint, you will be required to provide the following information, in as much detail as reasonably possible:
  1. your name, and email address; and
  2. the details of your complaint;
  3. address, and/or
  4. telephone number; and/or
  5. the transaction reference number; and/or
  6. the name and title of the employee, agent or officer; and/or
  7. any documents or other evidence you wish to rely on as proof; and/or
  8. your request.
2. Making an inquiry is generally not subject to these requirements, but our ability to answer inquiries may be dependent on your providing us with additional relevant information and/or data.
3. You can only make complaints on behalf of yourself and not on behalf of other customers, unless the circumstances require it.
Handling of Complaints
1. Upon receipt of your complaint, we will log the complaint in our complaints log. We aim to acknowledge receipt of your query as fast as possible, but never longer than 2 days and, if possible, provide details of the employee, agent or officer handling your complaint.
2. If your complaint relates to a specific employee, agent or officer, that person will be informed of your complaint and be given a fair and reasonable opportunity to respond. Any communication between you and the employee, agent or officer in question should take place only via the liaison of a designated officer. We respectfully ask that you do not contact the employee, agent or officer in question directly concerning the complaint while we are working to resolve it.
3. If we require any further information or evidence from you, the employee, agent or officer responsible for handling your complaint will contact you as quickly as is reasonably possible to request it. In order to avoid delay in the complaints handling process, we ask for your reasonable effort to supply any such information or evidence in a timely fashion. If, for any reason, you are unable to provide such information or evidence, we will with all reasonable efforts to attempt to proceed without it. Please be aware, however, that we will not ask for further information or evidence unless we consider it important to the successful resolution of your complaint.
4. We aim to resolve complaints as fast as possible, preferably within thirty (30) business days. Please note that in some cases, the handling of complaints may take longer.
5. If it takes us more than thirty business days to respond to you, we will make a reasonable effort to:
  1. inform you of the delay;
  2. explain the reason for the delay; and
  3. let you know the anticipated handling time for the complaint.
Confidentiality and Data Protection
1. We take all complaints, inquiries and information relating thereto in the strictest confidence. Such information will only be shared with the employees, agents and/or officers of Ramp Network whose knowledge of it is necessary in order to handle your complaint.
2. We may ask you for permission to use details of your complaint or inquiry (with any and all personal information removed, unless you have granted us permission to use it) for the purposes of internal training and quality control. If you have granted us such permissions, you may revoke it at any time.
3. Detailed rules on how we process your personal data can be found in the Privacy Policy section of this document.

Terms of Service

Global Terms of Service

Privacy Policy

Personal Data We Collect

Cookies and Similar Tracking Technologies

Why We Use Your Personal Data

Legal Bases for Processing Your Personal Data

How We Share Your Personal Data

Third-Party Sites and Services

Your Rights and Choices

International Transfer of Personal Data

Retention of Your Personal Data

How We Protect Your Personal Data

Notice to California Residents

Children’s Personal Data

Contact Us

Customer Support & Complaints Handling Policy