TERMS OF SERVICE

Last updated: 18.January.2026

1. Company Information & Scope

These Terms of Service (“Terms”) govern the use of the website and services provided by:

FFFactory
c/o MNSPAY LIMITED
301–3450 Uptown Blvd
Victoria, BC, Canada
V8Z 0B9

Email: support@3fbanking.com
Compliance: compliance@3fbanking.com

(“Company”, “we”, “us”, “our”)

By accessing or using our website or services, you agree to be bound by these Terms.

2. Services Description

FFFactory provides digital financial and technology services, including but not limited to:

  • European and international IBAN accounts

  • Payment and money services

  • Virtual and physical Visa cards

  • Fiat currency services

  • Cryptocurrency services (wallets, exchange, fiat-to-crypto and crypto-to-fiat conversion)

Services may vary depending on jurisdiction, regulatory requirements, and partner availability.

3. Eligibility

You must:

  • Be at least 18 years old

  • Have legal capacity to enter into binding agreements

  • Comply with all applicable laws and regulations

We reserve the right to refuse service at our discretion.

4. Account Registration

To access certain services, you must create an account.

You agree to:

  • Provide accurate and complete information

  • Keep your login credentials secure

  • Use the account only for lawful purposes

FFFactory may suspend or terminate accounts if violations or regulatory concerns arise.

5. Regulatory & Licensing Disclosure

FFFactory operates under license MNSPAY and cooperates with regulated financial, payment, and crypto service providers.

Certain services may be delivered by third-party partners and subject to additional terms.

6. No Financial or Investment Advice

All information provided by FFFactory is for general informational purposes only.

We do not provide:

  • Investment advice

  • Financial advice

  • Trading recommendations

  • Tax or legal advice

Users make decisions at their own risk.

7. Cryptocurrency Services & Risks

You acknowledge that:

  • Cryptocurrencies are highly volatile

  • Market prices can change rapidly

  • Blockchain transactions are irreversible

  • Network delays or failures may occur

You may lose part or all of your funds. FFFactory is not responsible for market losses.

8. Fees & Charges

Certain services may incur fees.

All applicable fees will be:

  • Clearly disclosed

  • Displayed prior to transaction confirmation

We reserve the right to modify fee structures at any time.

9. Availability of Services

We strive to provide continuous availability but do not guarantee uninterrupted access.

Services may be temporarily unavailable due to:

  • Maintenance

  • Technical issues

  • Security reasons

  • Force majeure events

10. User Obligations

You agree not to use our services for:

  • Illegal activities

  • Money laundering or terrorist financing

  • Fraud, abuse, or misrepresentation

  • Circumventing security systems

We comply with all KYC and AML regulations.

11. Third-Party Services

FFFactory may integrate third-party providers such as:

  • Payment processors

  • Card issuers

  • Wallet and custody providers

We are not responsible for third-party services beyond applicable law.

12. Limitation of Liability

To the maximum extent permitted by law, FFFactory shall not be liable for:

  • Indirect or consequential damages

  • Loss of profits or data

  • Market losses

  • Third-party failures

Our liability is limited to cases of gross negligence or willful misconduct.

13. Suspension & Termination

We may suspend or terminate accounts if:

  • These Terms are violated

  • Regulatory requirements demand it

  • Fraud or suspicious activity is detected

Users may close their account at any time, subject to outstanding obligations.

14. Privacy & Data Protection

Personal data is processed in accordance with our Privacy Policy and applicable data protection laws, including GDPR and PIPEDA.

15. Amendments

We reserve the right to amend these Terms at any time.

Updated versions will be published on our website and become effective upon publication.

16. Governing Law & Jurisdiction

These Terms shall be governed by the laws of Canada, excluding conflict-of-law principles.

Jurisdiction lies with the courts at the Company’s registered location, where legally permissible.

17. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in effect.

18. Contact Information

FFFactory
Level 43+44
ChampionTower, 3 Garden Road, Central
Hong Kong
Email: info@3fbanking.com

Get Started