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Client Service Agreement

Last updated: February 2026

IMPORTANT: PLEASE READ CAREFULLY

This Client Service Agreement ("Agreement") constitutes a legally binding contract between you ("Client") and EZFIN CONSULTING SRL ("Company"). By engaging our services, submitting payment, or acknowledging receipt of an invoice, you expressly agree to all terms and conditions contained herein. If you do not agree to these terms, do not engage our services.

1. Parties to This Agreement

This Agreement is entered into between:

Service Provider:
EZFIN CONSULTING SRL
Registration Number: 48217714
Registered Office: Bucharest, Sector 1, B-dul Gheorghe Magheru, No. 31, Office 2
Email: info@ezfin.consulting

AND

Client:
The individual or entity engaging the Company's services, as identified in the invoice or service request.

2. Nature of Services

2.1 Consultation Services: The Company provides professional business and management consultation services (registered under NACE 7022) including, but not limited to: documentation support, due diligence research, digital research, open-source intelligence (OSINT) gathering, KYC/AML documentation support, educational orientation on the cryptocurrency landscape, and marketing support (collectively, "Services").

2.2 Intangible Nature: The Client expressly acknowledges and agrees that the Services provided by the Company are intangible consultation services. These Services consist of professional expertise, analysis, research, advice, and information delivery. Unlike physical goods, consultation services cannot be "returned" once the expertise has been shared or the consultation has been conducted.

2.3 Informational Purpose Only: All Services are provided for informational and educational purposes only. The Company is a business and management consulting firm (NACE 7022) and does not provide legal advice, financial advice, investment advice, tax advice, trading recommendations, or any regulated financial service. In particular, our crypto landscape orientation service is strictly educational and does not require licensing under Romanian, EU, or any other law. The Client is solely responsible for decisions made based on information provided.

2.4 No Guaranteed Outcomes: The Company makes no guarantees regarding specific outcomes, results, or the success of any action taken by the Client based on the Services provided. Past performance or case studies do not guarantee future results.

3. Service Delivery and Completion

THIS SECTION IS CRITICAL AND CONSTITUTES A FUNDAMENTAL TERM OF THIS AGREEMENT.

3.1 Definition of Delivery: The Client expressly acknowledges and irrevocably agrees that the Services shall be deemed FULLY DELIVERED AND COMPLETE upon the occurrence of ANY ONE of the following events, whichever occurs first:

  • (a) Invoice Issuance: Upon the Company issuing an invoice to the Client for the Services, regardless of whether payment has been received;
  • (b) Payment Submission: Upon the Client initiating or submitting payment for the Services, regardless of payment processing status;
  • (c) Payment Receipt: Upon the Company receiving payment for the Services;
  • (d) Service Commencement: Upon the Company commencing any work, research, or consultation related to the Client's matter;
  • (e) Deliverable Transmission: Upon the Company transmitting any report, documentation, or communication containing consultation results to the Client.

3.2 Rationale for Delivery Terms: The Client acknowledges that consultation services are instantaneously delivered once professional expertise is applied to the Client's matter. The moment the Company reviews the Client's situation, conducts research, or provides any form of advice or analysis, the intellectual service has been rendered and cannot be "undelivered" or returned.

3.3 Client Acknowledgment: By engaging the Company's Services, the Client expressly acknowledges understanding and acceptance that:

  • Consultation services are fully rendered upon invoice issuance;
  • The intangible nature of consultation makes delivery immediate and complete;
  • No portion of the service can be considered "undelivered" after invoice issuance;
  • This delivery mechanism is fair, reasonable, and reflects industry standards for professional services.

4. Payment Terms, Refunds, and Chargebacks

THIS SECTION CONTAINS IMPORTANT PROVISIONS REGARDING PAYMENT DISPUTES. READ CAREFULLY.

4.1 Payment Obligations

The Client agrees to pay all fees as specified in the invoice or as agreed upon in writing. Payment is due upon receipt of invoice unless otherwise specified. All prices are in the currency stated on the invoice.

4.2 No Refund Policy

ALL PAYMENTS ARE FINAL AND NON-REFUNDABLE. Given the intangible nature of consultation services and the immediate delivery upon invoice issuance (as defined in Section 3), the Client expressly agrees that:

  • No refunds will be issued under any circumstances once an invoice has been issued;
  • No refunds will be issued for dissatisfaction with consultation outcomes;
  • No refunds will be issued if the Client chooses not to use the information provided;
  • No refunds will be issued for change of mind or business circumstances;
  • The non-refundable nature of Services is a material term of this Agreement.

4.3 Waiver of Chargeback and Recall Rights

THE CLIENT EXPRESSLY AND IRREVOCABLY WAIVES ANY AND ALL RIGHTS TO:

  • Initiate a chargeback, payment dispute, or reversal with any bank, credit card company, payment processor, or financial institution;
  • Initiate a bank recall, payment recall, or similar request to reverse or recover funds;
  • File a dispute claiming non-delivery of services, as delivery is complete upon invoice issuance;
  • File a dispute claiming services not as described, as the Client acknowledges understanding the intangible nature of consultation;
  • Seek recovery of payments through any payment protection scheme, buyer protection program, or similar mechanism.

4.4 Consequences of Unauthorized Payment Disputes

If the Client initiates any chargeback, payment dispute, bank recall, or similar action in violation of this Agreement, the Client agrees that:

  • (a) Such action constitutes a material breach of this Agreement;
  • (b) The Client shall be liable for the original service amount plus all associated costs;
  • (c) The Client shall pay a dispute administration fee of €500 (or equivalent) to cover administrative costs;
  • (d) The Client shall reimburse all bank fees, chargeback fees, and processing fees incurred by the Company;
  • (e) The Client shall pay all legal fees and collection costs incurred by the Company;
  • (f) The Company may pursue all available legal remedies;
  • (g) The Company may report the Client to credit agencies and fraud prevention services;
  • (h) Interest shall accrue on all outstanding amounts at the maximum rate permitted by Romanian law.

4.5 Bank Authorization

The Client acknowledges that this Agreement serves as documented evidence of a valid commercial transaction and authorizes the Company to present this Agreement to any bank, payment processor, or financial institution to contest and refuse any chargeback, recall, or payment dispute. The Client agrees that this Agreement demonstrates: (a) the Client's informed consent to the transaction; (b) the Client's understanding of the services; (c) the delivery of services as defined herein; and (d) the Client's waiver of dispute rights.

5. Client Representations and Warranties

By engaging the Company's Services, the Client represents and warrants that:

  • The Client has full legal capacity and authority to enter into this Agreement;
  • The Client has read, understood, and agrees to all terms of this Agreement;
  • The Client understands the intangible nature of consultation services;
  • The Client understands and accepts the service delivery terms in Section 3;
  • The Client understands and accepts the no-refund policy in Section 4;
  • The Client has not been induced by any representations not contained in this Agreement;
  • The Client is engaging the Services for lawful purposes only;
  • All information provided to the Company is accurate and complete;
  • The Client has the financial means to pay for the Services;
  • The payment method used belongs to the Client or the Client is authorized to use it;
  • The Client will not dispute any legitimate charge related to the Services.

6. Intellectual Property and Confidentiality

6.1 Company Materials: All methodologies, processes, templates, and proprietary information used by the Company remain the exclusive property of the Company.

6.2 Deliverables: Upon full payment, the Client receives a limited, non-exclusive license to use deliverables for the Client's internal purposes only.

6.3 Confidentiality: Both parties agree to maintain confidentiality of sensitive information shared during the engagement. The Company's confidentiality obligations are further detailed in our Privacy Policy.

7. Limitation of Liability

7.1 Maximum Liability: TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY'S TOTAL LIABILITY FOR ANY AND ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICES SHALL NOT EXCEED THE FEES ACTUALLY PAID BY THE CLIENT FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM.

7.2 Exclusion of Damages: THE COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO: LOSS OF PROFITS, LOSS OF BUSINESS, LOSS OF DATA, LOSS OF OPPORTUNITY, REPUTATIONAL DAMAGE, OR ANY OTHER LOSSES, REGARDLESS OF WHETHER THE COMPANY WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

7.3 Third-Party Actions and Platforms: The Company is not liable for any actions, omissions, or failures of third parties, including but not limited to: cryptocurrency platforms, exchanges, brokers, investment schemes, counterparties, regulatory bodies, financial institutions, or business partners with whom the Client interacts. This expressly includes losses arising from third-party fraud, scams, insolvency, collapse, or misconduct — even where the third party was identified, researched, or discussed during the Services.

7.4 Post-Consultation Actions: The Services conclude upon delivery of the consultation. Any action the Client takes thereafter — including trading, investing, transferring funds, or engaging any third party — is undertaken solely at the Client's own discretion and risk. The Company is not a party to, has no affiliation with, and does not endorse, sponsor, or guarantee any third-party platform, company, or transaction the Client may engage with following the consultation.

7.5 No Refunds Based on Third-Party Outcomes: The Client expressly agrees that fees paid compensate the consultation itself, which is fully delivered per Section 3 regardless of subsequent events. No refund, chargeback, recall, or dispute may be based on: (a) losses caused by third parties; (b) the outcome of the Client's own decisions after the consultation; or (c) the Client's dissatisfaction with results achieved through third-party platforms or counterparties.

7.6 Statutory Carve-Out: Nothing in this Agreement excludes or limits the Company's liability for its own gross negligence, wilful misconduct, or fraud, or any other liability that cannot be excluded or limited under applicable law.

8. Dispute Resolution

8.1 Negotiation: In the event of any dispute arising from this Agreement, the parties agree to first attempt resolution through good-faith negotiation for a period of thirty (30) days.

8.2 Mediation: If negotiation fails, the parties agree to submit the dispute to mediation administered by a mutually agreed mediator in Bucharest, Romania, before pursuing any other remedies.

8.3 Arbitration: If mediation fails, any dispute shall be finally resolved by binding arbitration in Bucharest, Romania, conducted in accordance with the rules of the Court of International Commercial Arbitration attached to the Chamber of Commerce and Industry of Romania. The arbitration shall be conducted in English or Romanian, as agreed by the parties.

8.4 Injunctive Relief: Notwithstanding the above, the Company reserves the right to seek injunctive relief in any court of competent jurisdiction to protect its intellectual property or confidential information.

9. Governing Law and Jurisdiction

9.1 Governing Law: This Agreement shall be governed by and construed in accordance with the laws of Romania, without regard to its conflict of law provisions.

9.2 Jurisdiction: Subject to the arbitration provisions above, the parties submit to the exclusive jurisdiction of the courts of Bucharest, Romania, for any matters not subject to arbitration.

10. General Provisions

10.1 Entire Agreement: This Agreement, together with any invoice or service specification, constitutes the entire agreement between the parties and supersedes all prior negotiations, representations, or agreements relating to the subject matter.

10.2 Amendments: This Agreement may only be amended in writing signed by both parties, except that the Company may update these terms on its website with notice to existing clients.

10.3 Severability: If any provision of this Agreement is found to be unenforceable, the remaining provisions shall continue in full force and effect. The unenforceable provision shall be modified to the minimum extent necessary to make it enforceable while preserving its intent.

10.4 Waiver: No failure or delay by the Company in exercising any right shall constitute a waiver of that right. Any waiver must be in writing to be effective.

10.5 Assignment: The Client may not assign this Agreement without the Company's written consent. The Company may assign this Agreement to any successor or affiliate.

10.6 Force Majeure: Neither party shall be liable for delays or failures in performance resulting from circumstances beyond their reasonable control, including but not limited to: natural disasters, war, terrorism, government actions, or system failures.

11. Acceptance of Agreement

By taking any of the following actions, the Client acknowledges having read, understood, and agreed to be bound by all terms and conditions of this Agreement:

  • Submitting a service inquiry or request;
  • Receiving and acknowledging an invoice;
  • Making any payment to the Company;
  • Receiving any consultation, advice, or deliverable from the Company;
  • Checking any acceptance box on the Company's website;
  • Continuing to engage with the Company after being presented with this Agreement.

The Client confirms that this Agreement has been entered into freely and voluntarily, with full understanding of its terms, and without any duress or undue influence.

12. Contact Information

For questions about this Agreement or our Services:

EZFIN CONSULTING SRL
Bucharest, Sector 1, B-dul Gheorghe Magheru, No. 31, Office 2
Registration Number: 48217714
Email: info@ezfin.consulting

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