Terms of Use

Finger Bridge is a technology and connectivity infrastructure designed to facilitate technical communication and integration among financial institutions, digital asset issuers, brokers, banks, custodians, exchanges, settlement providers, data providers, developers, and other business systems.

Unless expressly agreed in a separate written agreement, Sargia does not, through the public Services:

• provide investment, legal, tax, accounting, or financial advice;
• recommend any security, token, digital asset, fund, issuer, financial institution, or transaction;
• solicit or accept orders for financial products;
• open or administer bank, securities, custody, or trading accounts;
• receive, hold, transmit, or safeguard customer funds or assets;
• execute, clear, settle, or intermediate securities transactions;
• act as a broker, dealer, investment adviser, bank, custodian, exchange, asset manager, transfer agent, or issuer;
• guarantee the performance, legality, availability, liquidity, value, or authenticity of any third-party asset or service.

Any regulated product or financial service accessible through a connected institution is provided by that institution under its own licences, agreements, disclosures, and legal responsibilities.

These Terms apply to public and pre-contractual use of the Services, including:

• browsing the Finger Bridge website;
• using publicly available search or verification features;
• accessing technical documentation;
• submitting partnership, developer, or business enquiries;
• participating in demonstrations or evaluation environments;
• accessing a sandbox or test account where no separate agreement applies.

Commercial deployment, production API access, paid services, institutional integrations, service-level commitments, or processing of customer transactions may require a separate written agreement.

If a separate written agreement conflicts with these Terms, the separate agreement will control with respect to the subject matter it covers.

You may use the Services only if:

• you are legally capable of entering into a binding agreement;
• your use is permitted under the laws applicable to you;
• you are not subject to sanctions or restrictions that prohibit your use;
• where acting for an organisation, you are duly authorised to act on its behalf.

The Services are primarily intended for businesses, financial institutions, professional users, and developers. They are not intended as a retail investment or consumer trading service.

Certain Services may require an account, invitation, API credential, access token, or other authentication method.

You must:

• provide accurate and current information;
• keep credentials confidential and secure;
• use credentials only for the organisation and purpose for which they were issued;
• promptly notify us of suspected unauthorised access;
• ensure that authorised users comply with these Terms;
• apply reasonable security controls to your systems and integrations.

You must not:

• share individual credentials among unauthorised users;
• publish API keys, tokens, private keys, passwords, or secrets;
• circumvent access restrictions, rate limits, or security controls;
• impersonate another person or organisation;
• obtain or attempt to obtain access without permission.

You are responsible for activity conducted through your account or credentials, except to the extent caused by Sargia’s failure to apply reasonable security measures.

Subject to these Terms, Sargia grants you a limited, revocable, non-exclusive, non-transferable right to access and use the Services for legitimate business evaluation, technical integration, research, or informational purposes.

No ownership right is transferred to you.

Any production use, resale, redistribution, white-labelling, commercial exploitation, or integration for third-party customers may require our prior written approval and a separate agreement.

You must not use the Services to:

• violate any applicable law, regulation, court order, sanction, or licence condition;
• offer financial products or services in a jurisdiction where you are not authorised to do so;
• facilitate fraud, money laundering, terrorist financing, sanctions evasion, market manipulation, insider trading, or other unlawful conduct;
• misrepresent the legal status, backing, reserves, ownership, issuer, or regulatory treatment of an asset;
• falsely suggest that Sargia endorses, guarantees, operates, or regulates your product;
• interfere with the availability, integrity, or security of the Services;
• introduce malware, malicious code, automated attacks, or harmful content;
• scrape, crawl, harvest, or extract data at a scale or in a manner not expressly authorised;
• reverse engineer, decompile, disassemble, or attempt to derive non-public source code, except where such restriction is prohibited by law;
• test vulnerabilities or conduct penetration testing without prior written approval;
• bypass technical limitations, security measures, or usage controls;
• use the Services to build or train a competing dataset, verification service, or product without permission;
• use content or data in a misleading or deceptive manner;
• infringe intellectual property, privacy, confidentiality, or other rights.

We may restrict or suspend access where we reasonably believe that use presents legal, security, operational, reputational, or regulatory risk.

The Proof Explorer and related verification features may display information derived from:

• public blockchains;
• distributed ledgers;
• connected institutions;
• issuers;
• custodians;
• data providers;
• smart contracts;
• APIs;
• cryptographic records;
• third-party databases.

A result displayed as “verified,” “matched,” “recorded,” “confirmed,” or similar means only that specified data satisfied the technical verification criteria shown at the relevant time.

It does not, by itself, mean that:

• the asset is legally valid or lawfully offered;
• the issuer is licensed or financially sound;
• the underlying asset exists or is fully reserved;
• ownership or title has been legally established;
• the information is complete, current, or free from error;
• the product is suitable for any person;
• a regulator has approved the asset;
• Sargia guarantees redemption, settlement, value, liquidity, or performance.

Users must conduct their own legal, regulatory, financial, operational, cybersecurity, and counterparty due diligence.

Blockchain and distributed ledger systems may involve risks including:

• irreversible or delayed transactions;
• network congestion or outages;
• forks, reorganisations, validator failures, or consensus changes;
• smart-contract vulnerabilities;
• compromised keys or wallets;
• bridge, oracle, or protocol failures;
• inaccurate or malicious data submitted by third parties;
• changes in laws or regulatory treatment;
• permanent public availability of certain records;
• loss of access resulting from external infrastructure failures.

Sargia does not control public blockchains, independent validators, wallets, third-party smart contracts, or external protocols and is not responsible for their operation.

The Services may contain links, references, integrations, names, trademarks, data, or functionality relating to third parties.

Third-party services are governed by their own terms, privacy notices, operating rules, licences, and risk disclosures.

Sargia does not control and is not responsible for:

• third-party products or services;
• the accuracy of third-party information;
• decisions made by connected institutions;
• account approval or rejection;
• KYC or AML determinations;
• execution, custody, settlement, redemption, or payment;
• outages or security incidents affecting third parties;
• changes made by an issuer, network, or institution.

Your dealings with any third party are solely between you and that third party unless otherwise stated in a signed agreement.

The Services may refer to third-party companies, institutions, products, protocols, networks, or trademarks for identification, informational, compatibility, integration, or illustrative purposes.

Unless expressly stated:

• such references do not imply partnership, sponsorship, endorsement, certification, agency, or affiliation;
• Sargia does not claim ownership of third-party trademarks;
• all third-party names and marks remain the property of their respective owners;
• the inclusion of a name or Logo does not mean that the relevant organisation has reviewed or approved the Services.

Where a third-party mark is displayed under licence or with permission, its use remains subject to the relevant owner’s brand requirements.

Each institution using or evaluating Finger Bridge is solely responsible for determining:

• the jurisdictions in which it may operate;
• the customers and counterparties it may lawfully serve;
• the products and services it may lawfully offer;
• whether any licence, registration, disclosure, filing, approval, or legal opinion is required;
• its obligations concerning KYC, AML, sanctions, suitability, appropriateness, market conduct, consumer protection, custody, disclosure, taxation, and reporting;
• whether information obtained through the Services is sufficient for its own compliance obligations.

Technical availability through Finger Bridge does not mean that a product or service is legally available in any particular jurisdiction.

Sargia may request information reasonably necessary to assess legal, compliance, operational, or security risk, but any such review does not transfer the institution’s responsibilities to Sargia.

All content made available through the Services is provided for general informational and technical purposes only.

Nothing in the Services constitutes:

• investment advice;
• a personal recommendation;
• an offer or solicitation to buy or sell an asset;
• a representation that a product is suitable;
• legal, tax, accounting, or regulatory advice;
• a guarantee of future results.

You should obtain advice from appropriately qualified independent professionals before making financial, legal, tax, or regulatory decisions.

Technical documentation, diagrams, descriptions, examples, specifications, roadmaps, and other content may be changed at any time.

Examples, sample code, test data, and sandbox outputs may be incomplete or unsuitable for production use.

You are responsible for:

• independently reviewing documentation;
• testing your implementation;
• validating outputs;
• applying appropriate error handling;
• maintaining backups and contingency procedures;
• ensuring that your integration meets applicable legal and security requirements.

We may, at any time:

• modify, update, replace, suspend, or discontinue all or part of the Services;
• introduce or change technical limitations;
• adjust API versions, endpoints, schemas, or rate limits;
• perform scheduled or emergency maintenance;
• restrict access by geography, organisation, user, or use case.

We do not guarantee that public or evaluation Services will always be available, uninterrupted, secure, or error-free.

For production services, any applicable service levels will be set out in a separate written agreement.

The Services, including their software, source code, user interfaces, designs, graphics, databases, documentation, text, trademarks, and other materials, are owned by Sargia or its licensors and are protected by applicable intellectual-property laws.

Except as expressly permitted, you may not:

• copy, modify, distribute, sell, sublicense, or create derivative works;
• remove copyright, trademark, or proprietary notices;
• use the Finger Bridge or Sargia name or Logo without prior written permission;
• register confusingly similar names, domains, accounts, or marks;
• use our materials to imply endorsement or affiliation.

Feedback, suggestions, or ideas you voluntarily provide may be used by Sargia without restriction or compensation, provided that we do not publicly identify you as the source without permission.

When you submit enquiries, files, technical information, or other materials, you represent that:

• you are authorised to provide them;
• they do not violate law or third-party rights;
• they do not contain malicious code;
• their submission does not breach confidentiality obligations.

You grant Sargia a limited right to use submitted materials only as reasonably necessary to:

• respond to your request;
• evaluate a potential relationship;
• provide or improve the Services;
• comply with legal and security obligations.

Do not submit highly sensitive, regulated, confidential, or proprietary information through general website forms unless requested through an approved secure channel.

Public website use does not, by itself, create a confidential relationship between you and Sargia.

Information you submit through a general enquiry form may be handled with reasonable care, but should not be treated as confidential unless:

• it is clearly identified as confidential;
• its nature reasonably indicates confidentiality; and
• Sargia has agreed to receive it under appropriate confidentiality obligations.

Detailed commercial, technical, security, customer, or transaction information should be exchanged under a separate non-disclosure agreement or secure process.

Our handling of personal information is described in the Finger Bridge Privacy Policy.

By using the Services, you acknowledge that information may be processed as described in that policy.

The Japanese Personal Information Protection Commission publishes the applicable framework under Japan’s Act on the Protection of Personal Information.

We may suspend or terminate access immediately where reasonably necessary because of:

• violation of these Terms;
• suspected unlawful or fraudulent activity;
• cybersecurity or operational risk;
• sanctions or regulatory concerns;
• misuse of credentials or systems;
• risk to Sargia, users, institutions, or third parties;
• a legal or governmental requirement;
• discontinuation of the relevant Service.

You may stop using the public Services at any time.

Upon termination, rights granted under these Terms end immediately. Provisions that by their nature should survive will remain effective, including provisions concerning intellectual property, disclaimers, liability, indemnification, and governing law.

To the maximum extent permitted by law, the Services are provided on an “as is” and “as available” basis.

Sargia disclaims all express, implied, and statutory warranties, including warranties of:

• merchantability;
• fitness for a particular purpose;
• non-infringement;
• accuracy;
• completeness;
• availability;
• security;
• interoperability;
• uninterrupted operation;
• suitability for regulatory or production use.

Sargia does not warrant that:

• information will always be current or accurate;
• third-party data will be reliable;
• blockchain records reflect legal ownership;
• verification will identify every error or fraud;
• the Services will meet your requirements;
• defects will be corrected;
• any asset or institution will remain available.

Nothing in these Terms excludes a warranty or liability that cannot lawfully be excluded.

To the maximum extent permitted by applicable law, Sargia and its directors, officers, employees, contractors, affiliates, and licensors will not be liable for any:

• indirect, incidental, special, exemplary, punitive, or consequential loss;
• loss of profit, revenue, business, opportunity, goodwill, or anticipated savings;
• loss or corruption of data;
• trading, investment, custody, settlement, or market loss;
• loss arising from third-party services, blockchains, smart contracts, institutions, or data;
• loss resulting from unauthorised access caused by your failure to secure credentials.

For use of public, free, demonstration, or evaluation Services, Sargia’s total aggregate liability arising out of or relating to the Services will not exceed JPY 10,000.

Where you have entered into a paid written agreement with Sargia, the liability provisions in that agreement will apply instead.

These limitations do not apply to the extent liability cannot be excluded or limited under applicable law, including liability arising from fraud or wilful misconduct.

To the extent permitted by law, you agree to indemnify and hold harmless Sargia and its directors, officers, employees, and affiliates from claims, losses, liabilities, damages, penalties, and reasonable professional costs arising from:

• your unlawful use of the Services;
• your breach of these Terms;
• your violation of third-party rights;
• information or content submitted by you;
• products or financial services offered by you or your organisation;
• your failure to obtain required licences, approvals, consents, or disclosures;
• claims made by your customers, users, counterparties, or regulators that are not caused by Sargia’s breach of a signed agreement.

You must not access or use the Services in violation of applicable trade sanctions, embargoes, export controls, or restrictions.

You represent that you are not using the Services on behalf of a prohibited person or for a prohibited jurisdiction, activity, or end use.

We may screen users and organisations and may restrict access where reasonably necessary to comply with law or risk-management requirements.

We may update these Terms from time to time.

The revised Terms will be posted on this page with an updated “Last updated” date.

Where changes materially affect an account-based or continuing service, we may provide additional notice through the Service, by email, or through another reasonable method.

Continued use after the effective date of revised Terms constitutes acceptance to the extent permitted by law. Where affirmative consent is legally required, we will request it separately.

These Terms are governed by the laws of Japan, without regard to conflict-of-law principles.

Any dispute arising out of or relating to these Terms or the Services will be subject to the exclusive jurisdiction of the Osaka District Court as the court of first instance.

Nothing in this section prevents Sargia from seeking urgent injunctive or protective relief in another court of competent jurisdiction.

If any provision is held invalid or unenforceable, the remaining provisions will remain in effect.

Our failure to enforce a provision does not waive our right to enforce it later.

You may not assign or transfer your rights or obligations under these Terms without our prior written consent.

Sargia may assign these Terms in connection with a merger, restructuring, financing, sale of business, or transfer of the relevant Services.

These Terms, together with documents expressly incorporated by reference, constitute the entire agreement concerning public use of the Services.

No partnership, agency, fiduciary relationship, joint venture, employment relationship, or financial advisory relationship is created by these Terms.

Questions concerning these Terms may be sent to:

Sargia Inc. Operator of Finger Bridge Osaka, Japan

Email: bridge@sargia.jp

Website: fingerbridge.com