Terms of Service
Terms of Service
Last updated: 2 June 2025
- ACCEPTANCE OF TERMSBy accessing or using the Loula Inc. website, mobile application, or any related service (collectively, the “Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, do not use the Service.
- SERVICE DESCRIPTIONLoula provides users with USD and stable-coin accounts, currency-conversion services, and cross-border payment tools. The Service is available to customers in the United States, Latin America, and any other jurisdiction where Loula is regulated or permitted to operate. Loula may add, modify, restrict, or discontinue any feature of the Service at any time without liability to you.
- ELIGIBILITYYou must be at least 18 years old and able to form a binding contract. By using the Service you represent and warrant that you meet these requirements.
- ACCOUNT REGISTRATIONYou must create an account and supply accurate, current, and complete information. You are responsible for safeguarding your credentials and for all activity under your account. Notify us immediately of any unauthorized use.
- IDENTITY VERIFICATION & COMPLIANCELoula may require identity verification (KYC/KYB), proof of address, or other information to comply with anti-money-laundering, sanctions, tax, and other applicable laws. You certify that all funds used in connection with the Service are derived from lawful sources. Loula may refuse, suspend, or close accounts, freeze funds, or report suspicious activity to authorities.
- PERMITTED AND PROHIBITED USESYou may use the Service only for lawful purposes. The following are prohibited:
- Violating any law, regulation, or sanctions program (e.g., OFAC)
- Financing illegal activity, fraud, or high-risk schemes
- Compromising the security, integrity, or availability of the Service
- Sending unsolicited ads, malware, or content that infringes third-party rights
Loula may suspend or terminate accounts that breach this clause. - FEES, SPREADS, AND TAXESCertain actions may incur fees, conversion spreads, or network costs that are disclosed before you confirm a transaction. Current fees and FX spreads may change at any time without prior notice. Fees are non-refundable except where required by law. You are responsible for all taxes arising from your use of the Service.
- DIGITAL-ASSET DISCLAIMERStable-coin or cryptocurrency balances are **not** insured by the FDIC or any governmental agency. Values may fluctuate, and blockchain transactions are irreversible once broadcast; Loula cannot guarantee recovery of mis-sent funds. You assume all related risks.
- INTELLECTUAL PROPERTYAll content, software, trademarks, and logos in the Service belong to Loula or its licensors. You may not copy, modify, or distribute them without written permission.
- USER CONTENTBy submitting any content (e.g., comments or files) you grant Loula a worldwide, non-exclusive, transferable, royalty-free licence to use, display, and reproduce that content in connection with the Service. You represent that you own or control all necessary rights and that your content does not infringe third-party rights.
- RIGHT OF SET-OFF & RECOVERYLoula may debit or reverse amounts credited in error, hold funds during investigations, impose withdrawal limits, or attempt to recover funds sent to incorrect addresses where feasible. You authorize Loula to debit any balance in your Loula accounts to satisfy amounts owed to Loula.
- INTERRUPTIONS AND CHANGESLoula may suspend, modify, or discontinue the Service (or any part of it) at any time. Where practicable, we will give reasonable notice.
- TERMINATIONWe may suspend or terminate your access immediately if you breach these Terms or if necessary to protect the Service or other users. After termination you must stop using the Service; Sections 7, 8, 9, 11, 14–21 survive termination.
- DISCLAIMER OF WARRANTIESThe Service is provided “as is” and “as available.” Loula makes no warranties that the Service will be uninterrupted, error-free, or secure, and Loula does not provide legal, tax, or investment advice.
- LIMITATION OF LIABILITYTo the maximum extent permitted by law, Loula shall not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or goodwill, arising from your use—or inability to use—the Service.
- GOVERNING LAW & JURISDICTIONThese Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws principles. All disputes shall be litigated exclusively in the state or federal courts located in Delaware.
- CHANGES TO TERMSLoula may revise these Terms at any time. Material changes will be announced by email or an in-app banner at least 10 days before they take effect. Continued use after the effective date constitutes acceptance.
- PRIVACYYour use of the Service is also governed by our Privacy Policy, available at getloula.com/privacy.
- CORPORATE AUTHORISED REPRESENTATIVES & BOARD RESOLUTIONS
19.1 Appointment of Representatives. If you are an entity, you agree to maintain on file a valid board or shareholder resolution (the “Corporate Resolution”) that: (a) appoints the individuals listed in Schedule A (each, an “Authorised Representative”) to (i) open, maintain, and operate digital‑asset or payment accounts with Loula and with any third‑party payment‑service provider or digital‑asset‑service provider that Loula designates from time to time (collectively, “Loula Partners”); and (ii) execute all agreements, instructions, and payment orders related thereto on your behalf; and (b) authorises each Loula Partner to rely on such Corporate Resolution as conclusive evidence of authority until you deliver written revocation in accordance with Section 19.3.
19.2 Reliance by Loula and Loula Partners. You acknowledge and agree that Loula and all Loula Partners may rely fully and without further inquiry on the authority of any Authorised Representative to give instructions, approve transactions, or bind the Company in any manner in connection with the Service.
19.3 Changes & Revocation. The appointments in the Corporate Resolution remain in force until Loula and the relevant Loula Partner receive written notice of revocation or replacement, accompanied by a new Corporate Resolution and all documents reasonably requested to complete updated due‑diligence checks.
19.4 Warranty. You represent and warrant that the Corporate Resolution (and all replacements) is valid, has been duly adopted in accordance with your governing law and constitutional documents, and imposes no limitations that have not been disclosed to Loula.
19.5 Indemnity. You shall indemnify and hold harmless Loula and Loula Partners from any loss, claim, or expense arising from Loula or any Loula Partner acting on instructions reasonably believed to be given by an Authorised Representative prior to receipt of revocation notice. - GENERAL PROVISIONS
- Entire agreement – These Terms constitute the entire agreement between you and Loula and supersede any prior agreements or understandings.
- Severability – If any clause is unenforceable, the remaining clauses remain in effect.
- Force majeure – Loula is not liable for delays or failures caused by events beyond its reasonable control.
- CONTACTEmail: hello@loula.netLoula Inc.
Last updated: 2 June 2025
- ACCEPTANCE OF TERMSBy accessing or using the Loula Inc. website, mobile application, or any related service (collectively, the “Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, do not use the Service.
- SERVICE DESCRIPTIONLoula provides users with USD and stable-coin accounts, currency-conversion services, and cross-border payment tools. The Service is available to customers in the United States, Latin America, and any other jurisdiction where Loula is regulated or permitted to operate. Loula may add, modify, restrict, or discontinue any feature of the Service at any time without liability to you.
- ELIGIBILITYYou must be at least 18 years old and able to form a binding contract. By using the Service you represent and warrant that you meet these requirements.
- ACCOUNT REGISTRATIONYou must create an account and supply accurate, current, and complete information. You are responsible for safeguarding your credentials and for all activity under your account. Notify us immediately of any unauthorized use.
- IDENTITY VERIFICATION & COMPLIANCELoula may require identity verification (KYC/KYB), proof of address, or other information to comply with anti-money-laundering, sanctions, tax, and other applicable laws. You certify that all funds used in connection with the Service are derived from lawful sources. Loula may refuse, suspend, or close accounts, freeze funds, or report suspicious activity to authorities.
- PERMITTED AND PROHIBITED USESYou may use the Service only for lawful purposes. The following are prohibited:
- Violating any law, regulation, or sanctions program (e.g., OFAC)
- Financing illegal activity, fraud, or high-risk schemes
- Compromising the security, integrity, or availability of the Service
- Sending unsolicited ads, malware, or content that infringes third-party rights
Loula may suspend or terminate accounts that breach this clause. - FEES, SPREADS, AND TAXESCertain actions may incur fees, conversion spreads, or network costs that are disclosed before you confirm a transaction. Current fees and FX spreads may change at any time without prior notice. Fees are non-refundable except where required by law. You are responsible for all taxes arising from your use of the Service.
- DIGITAL-ASSET DISCLAIMERStable-coin or cryptocurrency balances are **not** insured by the FDIC or any governmental agency. Values may fluctuate, and blockchain transactions are irreversible once broadcast; Loula cannot guarantee recovery of mis-sent funds. You assume all related risks.
- INTELLECTUAL PROPERTYAll content, software, trademarks, and logos in the Service belong to Loula or its licensors. You may not copy, modify, or distribute them without written permission.
- USER CONTENTBy submitting any content (e.g., comments or files) you grant Loula a worldwide, non-exclusive, transferable, royalty-free licence to use, display, and reproduce that content in connection with the Service. You represent that you own or control all necessary rights and that your content does not infringe third-party rights.
- RIGHT OF SET-OFF & RECOVERYLoula may debit or reverse amounts credited in error, hold funds during investigations, impose withdrawal limits, or attempt to recover funds sent to incorrect addresses where feasible. You authorize Loula to debit any balance in your Loula accounts to satisfy amounts owed to Loula.
- INTERRUPTIONS AND CHANGESLoula may suspend, modify, or discontinue the Service (or any part of it) at any time. Where practicable, we will give reasonable notice.
- TERMINATIONWe may suspend or terminate your access immediately if you breach these Terms or if necessary to protect the Service or other users. After termination you must stop using the Service; Sections 7, 8, 9, 11, 14–21 survive termination.
- DISCLAIMER OF WARRANTIESThe Service is provided “as is” and “as available.” Loula makes no warranties that the Service will be uninterrupted, error-free, or secure, and Loula does not provide legal, tax, or investment advice.
- LIMITATION OF LIABILITYTo the maximum extent permitted by law, Loula shall not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or goodwill, arising from your use—or inability to use—the Service.
- GOVERNING LAW & JURISDICTIONThese Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws principles. All disputes shall be litigated exclusively in the state or federal courts located in Delaware.
- CHANGES TO TERMSLoula may revise these Terms at any time. Material changes will be announced by email or an in-app banner at least 10 days before they take effect. Continued use after the effective date constitutes acceptance.
- PRIVACYYour use of the Service is also governed by our Privacy Policy, available at getloula.com/privacy.
- CORPORATE AUTHORISED REPRESENTATIVES & BOARD RESOLUTIONS
19.1 Appointment of Representatives. If you are an entity, you agree to maintain on file a valid board or shareholder resolution (the “Corporate Resolution”) that: (a) appoints the individuals listed in Schedule A (each, an “Authorised Representative”) to (i) open, maintain, and operate digital‑asset or payment accounts with Loula and with any third‑party payment‑service provider or digital‑asset‑service provider that Loula designates from time to time (collectively, “Loula Partners”); and (ii) execute all agreements, instructions, and payment orders related thereto on your behalf; and (b) authorises each Loula Partner to rely on such Corporate Resolution as conclusive evidence of authority until you deliver written revocation in accordance with Section 19.3.
19.2 Reliance by Loula and Loula Partners. You acknowledge and agree that Loula and all Loula Partners may rely fully and without further inquiry on the authority of any Authorised Representative to give instructions, approve transactions, or bind the Company in any manner in connection with the Service.
19.3 Changes & Revocation. The appointments in the Corporate Resolution remain in force until Loula and the relevant Loula Partner receive written notice of revocation or replacement, accompanied by a new Corporate Resolution and all documents reasonably requested to complete updated due‑diligence checks.
19.4 Warranty. You represent and warrant that the Corporate Resolution (and all replacements) is valid, has been duly adopted in accordance with your governing law and constitutional documents, and imposes no limitations that have not been disclosed to Loula.
19.5 Indemnity. You shall indemnify and hold harmless Loula and Loula Partners from any loss, claim, or expense arising from Loula or any Loula Partner acting on instructions reasonably believed to be given by an Authorised Representative prior to receipt of revocation notice. - GENERAL PROVISIONS
- Entire agreement – These Terms constitute the entire agreement between you and Loula and supersede any prior agreements or understandings.
- Severability – If any clause is unenforceable, the remaining clauses remain in effect.
- Force majeure – Loula is not liable for delays or failures caused by events beyond its reasonable control.
- CONTACTEmail: hello@loula.netLoula Inc.
Last updated: 2 June 2025
- ACCEPTANCE OF TERMSBy accessing or using the Loula Inc. website, mobile application, or any related service (collectively, the “Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, do not use the Service.
- SERVICE DESCRIPTIONLoula provides users with USD and stable-coin accounts, currency-conversion services, and cross-border payment tools. The Service is available to customers in the United States, Latin America, and any other jurisdiction where Loula is regulated or permitted to operate. Loula may add, modify, restrict, or discontinue any feature of the Service at any time without liability to you.
- ELIGIBILITYYou must be at least 18 years old and able to form a binding contract. By using the Service you represent and warrant that you meet these requirements.
- ACCOUNT REGISTRATIONYou must create an account and supply accurate, current, and complete information. You are responsible for safeguarding your credentials and for all activity under your account. Notify us immediately of any unauthorized use.
- IDENTITY VERIFICATION & COMPLIANCELoula may require identity verification (KYC/KYB), proof of address, or other information to comply with anti-money-laundering, sanctions, tax, and other applicable laws. You certify that all funds used in connection with the Service are derived from lawful sources. Loula may refuse, suspend, or close accounts, freeze funds, or report suspicious activity to authorities.
- PERMITTED AND PROHIBITED USESYou may use the Service only for lawful purposes. The following are prohibited:
- Violating any law, regulation, or sanctions program (e.g., OFAC)
- Financing illegal activity, fraud, or high-risk schemes
- Compromising the security, integrity, or availability of the Service
- Sending unsolicited ads, malware, or content that infringes third-party rights
Loula may suspend or terminate accounts that breach this clause. - FEES, SPREADS, AND TAXESCertain actions may incur fees, conversion spreads, or network costs that are disclosed before you confirm a transaction. Current fees and FX spreads may change at any time without prior notice. Fees are non-refundable except where required by law. You are responsible for all taxes arising from your use of the Service.
- DIGITAL-ASSET DISCLAIMERStable-coin or cryptocurrency balances are **not** insured by the FDIC or any governmental agency. Values may fluctuate, and blockchain transactions are irreversible once broadcast; Loula cannot guarantee recovery of mis-sent funds. You assume all related risks.
- INTELLECTUAL PROPERTYAll content, software, trademarks, and logos in the Service belong to Loula or its licensors. You may not copy, modify, or distribute them without written permission.
- USER CONTENTBy submitting any content (e.g., comments or files) you grant Loula a worldwide, non-exclusive, transferable, royalty-free licence to use, display, and reproduce that content in connection with the Service. You represent that you own or control all necessary rights and that your content does not infringe third-party rights.
- RIGHT OF SET-OFF & RECOVERYLoula may debit or reverse amounts credited in error, hold funds during investigations, impose withdrawal limits, or attempt to recover funds sent to incorrect addresses where feasible. You authorize Loula to debit any balance in your Loula accounts to satisfy amounts owed to Loula.
- INTERRUPTIONS AND CHANGESLoula may suspend, modify, or discontinue the Service (or any part of it) at any time. Where practicable, we will give reasonable notice.
- TERMINATIONWe may suspend or terminate your access immediately if you breach these Terms or if necessary to protect the Service or other users. After termination you must stop using the Service; Sections 7, 8, 9, 11, 14–21 survive termination.
- DISCLAIMER OF WARRANTIESThe Service is provided “as is” and “as available.” Loula makes no warranties that the Service will be uninterrupted, error-free, or secure, and Loula does not provide legal, tax, or investment advice.
- LIMITATION OF LIABILITYTo the maximum extent permitted by law, Loula shall not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or goodwill, arising from your use—or inability to use—the Service.
- GOVERNING LAW & JURISDICTIONThese Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws principles. All disputes shall be litigated exclusively in the state or federal courts located in Delaware.
- CHANGES TO TERMSLoula may revise these Terms at any time. Material changes will be announced by email or an in-app banner at least 10 days before they take effect. Continued use after the effective date constitutes acceptance.
- PRIVACYYour use of the Service is also governed by our Privacy Policy, available at getloula.com/privacy.
- CORPORATE AUTHORISED REPRESENTATIVES & BOARD RESOLUTIONS
19.1 Appointment of Representatives. If you are an entity, you agree to maintain on file a valid board or shareholder resolution (the “Corporate Resolution”) that: (a) appoints the individuals listed in Schedule A (each, an “Authorised Representative”) to (i) open, maintain, and operate digital‑asset or payment accounts with Loula and with any third‑party payment‑service provider or digital‑asset‑service provider that Loula designates from time to time (collectively, “Loula Partners”); and (ii) execute all agreements, instructions, and payment orders related thereto on your behalf; and (b) authorises each Loula Partner to rely on such Corporate Resolution as conclusive evidence of authority until you deliver written revocation in accordance with Section 19.3.
19.2 Reliance by Loula and Loula Partners. You acknowledge and agree that Loula and all Loula Partners may rely fully and without further inquiry on the authority of any Authorised Representative to give instructions, approve transactions, or bind the Company in any manner in connection with the Service.
19.3 Changes & Revocation. The appointments in the Corporate Resolution remain in force until Loula and the relevant Loula Partner receive written notice of revocation or replacement, accompanied by a new Corporate Resolution and all documents reasonably requested to complete updated due‑diligence checks.
19.4 Warranty. You represent and warrant that the Corporate Resolution (and all replacements) is valid, has been duly adopted in accordance with your governing law and constitutional documents, and imposes no limitations that have not been disclosed to Loula.
19.5 Indemnity. You shall indemnify and hold harmless Loula and Loula Partners from any loss, claim, or expense arising from Loula or any Loula Partner acting on instructions reasonably believed to be given by an Authorised Representative prior to receipt of revocation notice. - GENERAL PROVISIONS
- Entire agreement – These Terms constitute the entire agreement between you and Loula and supersede any prior agreements or understandings.
- Severability – If any clause is unenforceable, the remaining clauses remain in effect.
- Force majeure – Loula is not liable for delays or failures caused by events beyond its reasonable control.
- CONTACTEmail: hello@loula.netLoula Inc.
Last updated: 2 June 2025
- ACCEPTANCE OF TERMSBy accessing or using the Loula Inc. website, mobile application, or any related service (collectively, the “Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, do not use the Service.
- SERVICE DESCRIPTIONLoula provides users with USD and stable-coin accounts, currency-conversion services, and cross-border payment tools. The Service is available to customers in the United States, Latin America, and any other jurisdiction where Loula is regulated or permitted to operate. Loula may add, modify, restrict, or discontinue any feature of the Service at any time without liability to you.
- ELIGIBILITYYou must be at least 18 years old and able to form a binding contract. By using the Service you represent and warrant that you meet these requirements.
- ACCOUNT REGISTRATIONYou must create an account and supply accurate, current, and complete information. You are responsible for safeguarding your credentials and for all activity under your account. Notify us immediately of any unauthorized use.
- IDENTITY VERIFICATION & COMPLIANCELoula may require identity verification (KYC/KYB), proof of address, or other information to comply with anti-money-laundering, sanctions, tax, and other applicable laws. You certify that all funds used in connection with the Service are derived from lawful sources. Loula may refuse, suspend, or close accounts, freeze funds, or report suspicious activity to authorities.
- PERMITTED AND PROHIBITED USESYou may use the Service only for lawful purposes. The following are prohibited:
- Violating any law, regulation, or sanctions program (e.g., OFAC)
- Financing illegal activity, fraud, or high-risk schemes
- Compromising the security, integrity, or availability of the Service
- Sending unsolicited ads, malware, or content that infringes third-party rights
Loula may suspend or terminate accounts that breach this clause. - FEES, SPREADS, AND TAXESCertain actions may incur fees, conversion spreads, or network costs that are disclosed before you confirm a transaction. Current fees and FX spreads may change at any time without prior notice. Fees are non-refundable except where required by law. You are responsible for all taxes arising from your use of the Service.
- DIGITAL-ASSET DISCLAIMERStable-coin or cryptocurrency balances are **not** insured by the FDIC or any governmental agency. Values may fluctuate, and blockchain transactions are irreversible once broadcast; Loula cannot guarantee recovery of mis-sent funds. You assume all related risks.
- INTELLECTUAL PROPERTYAll content, software, trademarks, and logos in the Service belong to Loula or its licensors. You may not copy, modify, or distribute them without written permission.
- USER CONTENTBy submitting any content (e.g., comments or files) you grant Loula a worldwide, non-exclusive, transferable, royalty-free licence to use, display, and reproduce that content in connection with the Service. You represent that you own or control all necessary rights and that your content does not infringe third-party rights.
- RIGHT OF SET-OFF & RECOVERYLoula may debit or reverse amounts credited in error, hold funds during investigations, impose withdrawal limits, or attempt to recover funds sent to incorrect addresses where feasible. You authorize Loula to debit any balance in your Loula accounts to satisfy amounts owed to Loula.
- INTERRUPTIONS AND CHANGESLoula may suspend, modify, or discontinue the Service (or any part of it) at any time. Where practicable, we will give reasonable notice.
- TERMINATIONWe may suspend or terminate your access immediately if you breach these Terms or if necessary to protect the Service or other users. After termination you must stop using the Service; Sections 7, 8, 9, 11, 14–21 survive termination.
- DISCLAIMER OF WARRANTIESThe Service is provided “as is” and “as available.” Loula makes no warranties that the Service will be uninterrupted, error-free, or secure, and Loula does not provide legal, tax, or investment advice.
- LIMITATION OF LIABILITYTo the maximum extent permitted by law, Loula shall not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or goodwill, arising from your use—or inability to use—the Service.
- GOVERNING LAW & JURISDICTIONThese Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws principles. All disputes shall be litigated exclusively in the state or federal courts located in Delaware.
- CHANGES TO TERMSLoula may revise these Terms at any time. Material changes will be announced by email or an in-app banner at least 10 days before they take effect. Continued use after the effective date constitutes acceptance.
- PRIVACYYour use of the Service is also governed by our Privacy Policy, available at getloula.com/privacy.
- CORPORATE AUTHORISED REPRESENTATIVES & BOARD RESOLUTIONS
19.1 Appointment of Representatives. If you are an entity, you agree to maintain on file a valid board or shareholder resolution (the “Corporate Resolution”) that: (a) appoints the individuals listed in Schedule A (each, an “Authorised Representative”) to (i) open, maintain, and operate digital‑asset or payment accounts with Loula and with any third‑party payment‑service provider or digital‑asset‑service provider that Loula designates from time to time (collectively, “Loula Partners”); and (ii) execute all agreements, instructions, and payment orders related thereto on your behalf; and (b) authorises each Loula Partner to rely on such Corporate Resolution as conclusive evidence of authority until you deliver written revocation in accordance with Section 19.3.
19.2 Reliance by Loula and Loula Partners. You acknowledge and agree that Loula and all Loula Partners may rely fully and without further inquiry on the authority of any Authorised Representative to give instructions, approve transactions, or bind the Company in any manner in connection with the Service.
19.3 Changes & Revocation. The appointments in the Corporate Resolution remain in force until Loula and the relevant Loula Partner receive written notice of revocation or replacement, accompanied by a new Corporate Resolution and all documents reasonably requested to complete updated due‑diligence checks.
19.4 Warranty. You represent and warrant that the Corporate Resolution (and all replacements) is valid, has been duly adopted in accordance with your governing law and constitutional documents, and imposes no limitations that have not been disclosed to Loula.
19.5 Indemnity. You shall indemnify and hold harmless Loula and Loula Partners from any loss, claim, or expense arising from Loula or any Loula Partner acting on instructions reasonably believed to be given by an Authorised Representative prior to receipt of revocation notice. - GENERAL PROVISIONS
- Entire agreement – These Terms constitute the entire agreement between you and Loula and supersede any prior agreements or understandings.
- Severability – If any clause is unenforceable, the remaining clauses remain in effect.
- Force majeure – Loula is not liable for delays or failures caused by events beyond its reasonable control.
- CONTACTEmail: hello@loula.netLoula Inc.