Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the services provided by Bitcoin Asset Reserve Ltd ("Reserve", "we", "us", "our"), a company registered in England and Wales (Company No. 16686955) with its registered office at 3rd Floor, 1 Ashley Road, Altrincham, Cheshire, United Kingdom, WA14 2DT.

By accessing our website, applying for a loan, or using our services, you agree to be bound by these Terms. If you do not agree, you must not use our services.

2. Services

Reserve provides Bitcoin-backed lending services. You deposit Bitcoin as collateral and receive a loan in USD or GBP. Loan terms, including interest rates, LTV ratios, and repayment conditions, are set out in individual loan agreements. These Terms apply in addition to any specific loan agreement you enter into.

3. Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts. Our services may not be available in all jurisdictions. You are responsible for ensuring that your use of our services complies with the laws of your country of residence.

4. Collateral

Collateral is held in segregated custody with institutional custodians. You retain ownership of your Bitcoin subject to our security interest until the loan is repaid. We do not rehypothecate, lend, or use your collateral for any purpose other than securing your loan.

5. Risk

Bitcoin-backed loans carry risks including price volatility, margin calls, and liquidation. You should understand these risks before borrowing. We recommend reading our How It Works and FAQ pages. We do not provide financial, tax, or legal advice.

6. Regulation

Reserve is pursuing authorisation with the UK Financial Conduct Authority (FCA). While authorisation is pending, we operate within applicable legal frameworks.

7. Changes

We may update these Terms from time to time. Material changes will be notified via our website or email. Continued use of our services after changes constitutes acceptance.

8. Contact

For questions about these Terms, contact us at reservebtc.co/contact.