> For the complete documentation index, see [llms.txt](https://docs.onesafe.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.onesafe.io/legal/onesafe-individual-account-addendum.md). # OneSafe Individual Account Addendum ## OneSafe Individual Account Addendum **Effective Date:** July 20th, 2026 **Last Updated:** July 9th, 2026 This Individual Account Addendum (the "Addendum") supplements the OneSafe Terms of Service (the "Terms") and applies to natural persons invited by OneSafe to open an Individual Account. Together with the Terms, it forms a legally binding agreement between you and Thresholdz Inc. ("OneSafe"). Except as modified by this Addendum, the Terms apply to your Individual Account. **If this Addendum conflicts with the Terms, this Addendum controls for Individual Accounts.** OneSafe is a financial technology company, not a bank. Banking, payment, and custody services are provided by OneSafe's licensed banking and custody partners — the regulated financial institutions through which accounts, payments, and custody of funds are made available — and your funds are held by those partners, not by OneSafe, subject to their terms. As a condition of opening an Individual Account, you may also be required to accept the account agreement of the applicable banking or custody partner. ### 1. Eligibility — Invitation Only Individual Accounts are available **by invitation only**. There is no self-serve individual onboarding, and an application without a valid invitation will not be processed. You may open an Individual Account only if: * You have received a valid invitation from OneSafe. An invitation is personal to you, is not transferable, does not entitle you to an account, and may be withdrawn by OneSafe at any time before or during onboarding; * You are a natural person at least 18 years old, acting solely on your own behalf; * You will use the Individual Account only for personal, first-party purposes (see Section 2); * You reside in a jurisdiction, including any sub-national region, supported by OneSafe and the applicable banking or custody partner; * You are not located in, a resident of, or a national of any jurisdiction subject to comprehensive sanctions, and you are not listed on, or acting on behalf of any person listed on, sanctions lists maintained by OFAC or other applicable authorities; and * You complete OneSafe's identity verification, which includes government-ID verification and screening, and provide accurate, current, and complete information. OneSafe may decline any application, and may suspend or withdraw the individual account program in whole or in part, at its discretion. ### 2. Personal, First-Party Use Only Your Individual Account may be used **only for your own personal funds and your own obligations**. You represent, warrant, and covenant that you will not use your Individual Account to: * Receive, hold, or transmit funds or assets for or on behalf of any other person or business; * Receive funds from third parties for onward transfer to others (including any so-called "money mule" activity); * Transact on behalf of an employer or any business — a business must open its own account under the Terms; * Provide any money-movement, exchange, payment, or similar service to others; or * Conduct commercial activity in a personal capacity in order to avoid business onboarding requirements. Any indication of third-party use is grounds for immediate suspension, restriction, or termination of your Individual Account. ### 3. Authorized Users; Security Your Individual Account has a single account holder with full authority over it: you. Where the feature is made available, you may invite natural persons to access your Individual Account as authorized users ("Authorized Users") at one of two access levels: * **View-only.** The Authorized User may view account information but cannot initiate, request, approve, or execute any transaction. No screening is required for view-only access. * **Payment requester.** The Authorized User may prepare and request payments on your behalf. **Every payment requested by an Authorized User requires your review and approval before it is executed.** Authorized Users cannot approve or execute payments, invite or remove users, or change account settings or limits — those authorities remain exclusively yours. Where offered, you may also set limits on the payments an Authorized User may request. The following apply to Authorized Users: * **Screening for payment requesters.** Before an Authorized User may request payments, they must be at least 18 years old, and identifying information about them — legal name, date of birth, address, and, where applicable, a government identification number — must be provided (by you at invitation, or by the invited person), which OneSafe screens against applicable sanctions and watchlists before access is enabled. No documentary verification is required at this stage; OneSafe may require government-ID verification on a risk basis (for example, on a screening hit, inconsistent information, or where required by a banking or custody partner). OneSafe may decline, suspend, or remove any Authorized User at its discretion, including for screening or eligibility reasons. * **Your account, your funds.** The first-party rule in Section 2 applies without modification: your Individual Account may hold and move only your own funds and serve only your own obligations, and neither you nor any Authorized User may use it for the funds or obligations of any other person — including the Authorized User's own funds. * **Your responsibility.** You are responsible for all activity conducted by your Authorized Users, and a payment you approve is a transaction you have authorized. If you revoke an Authorized User's access, you must remove their access in the Services or notify us; activity occurring before revocation and notice is treated as authorized by you. * **Managing access.** You must promptly remove any Authorized User who should no longer have access. Credentials are personal to each individual: you and each Authorized User must use unique credentials with multi-factor authentication enabled, and credential sharing is prohibited. You agree to keep all credentials and devices secure and to notify OneSafe immediately at \[support contact] if you suspect unauthorized access to your Individual Account. ### 4. Error Resolution and Unauthorized Transactions This Section applies to your Individual Account notwithstanding anything in the Terms, and nothing in the Terms or this Addendum waives, limits, or requires you to waive rights that cannot be waived under applicable law. Where the U.S. Electronic Fund Transfer Act and Regulation E (or other applicable consumer-protection law) apply to a transaction on your Individual Account, the following (or such greater protections as that law provides) apply: **Contact us promptly.** If you believe a transaction on your Individual Account is unauthorized or in error, or that your credentials or access device have been lost, stolen, or compromised, contact us immediately at \[support email] or \[phone]. Telephoning is the best way of keeping your possible losses down. **Your liability for unauthorized transfers.** If you notify us within two (2) business days after learning of the loss or theft of your credentials or access device, your liability for unauthorized electronic fund transfers will not exceed US$50. If you do not notify us within two (2) business days and we can show we could have stopped the transfers had you told us, your liability may be up to US$500. If a periodic statement shows transfers you did not make and you do not report them within sixty (60) days after the statement was transmitted to you, you may not recover amounts taken after that period if we can show your timely notice would have prevented them. **Error resolution.** Notify us within sixty (60) days after the first statement on which a suspected error appeared, including your name, account identifier, a description of the suspected error, and the dollar amount. We will investigate and determine whether an error occurred within ten (10) business days of your notice and will correct any error promptly. If we need more time, we may take up to forty-five (45) days to investigate, in which case we will provisionally credit your account within ten (10) business days for the amount in question while the investigation is completed. We will report the results to you within three (3) business days after completing the investigation and, if we determine no error occurred, will send you a written explanation. **Scope note.** Certain transactions — including transfers of digital assets to external wallets and blockchain transactions generally — may not be electronic fund transfers covered by Regulation E. Section 5 of the Terms (irreversibility of blockchain transactions) continues to apply to such transactions. \[Counsel to confirm the coverage line for the supported products and partner rails.] ### 5. Cards Payment cards are available to Individual Accounts only where expressly offered by OneSafe and the applicable issuing partner. If a card is offered to you, separate consumer card terms — including error-resolution and liability provisions applicable to consumer cards — will be provided at issuance and will govern the card. Sections 2.3.2 and 2.3.3 of the Terms apply to Individual Accounts only to the extent consistent with those consumer card terms and applicable law. ### 6. Fees The fees applicable to Individual Accounts are stated in the fee schedule presented to you at onboarding or in the Services. Notwithstanding Section 4.5 of the Terms, OneSafe does not charge account inactivity, account closure, or similar administrative fees on Individual Accounts. For Individual Accounts, and notwithstanding Sections 4.4 and 12 of the Terms, OneSafe will provide you **at least twenty-one (21) days' advance written notice** of any change that imposes a new fee, increases an existing fee, or increases your liability, where such notice is required by applicable law. ### 7. Communications You consent to receive communications, disclosures, and statements electronically as described in the OneSafe Electronic Communications Consent. You may withdraw that consent as described there; withdrawal may affect the availability of the Services. Where applicable law grants you the right to receive a disclosure on paper, that right is not waived by this Addendum. ### 8. Risk Acknowledgments The acknowledgments in Section 5 of the Terms apply to your Individual Account. In particular, and in plain terms: * **Blockchain transactions are generally final.** Once submitted to a network, they usually cannot be reversed or recalled. * **You are responsible for the destination.** Sending an unsupported asset, using an unsupported network, or sending to a wrong address may result in permanent loss of funds. * **Digital assets are not bank deposits.** Digital assets, including stablecoins, are not legal tender, are not guaranteed by OneSafe, and are **not covered by FDIC deposit insurance or SIPC protection**. Any protection that may apply to fiat balances, if any, is provided solely by a licensed banking partner on that partner's terms. * **Values can fall.** The value of digital assets, including stablecoins, can decline, including to zero, and a stablecoin may lose its peg or become illiquid. ### 9. Suspension, Termination, and Return of Balances OneSafe may suspend, restrict, freeze, or terminate your Individual Account as described in Sections 3.3 and 10 of the Terms, including where required by a banking or custody partner or applicable law, or upon withdrawal of your invitation or of the individual account program. On termination, OneSafe will, working with its partners, return any remaining supported balances to which you are entitled to a verified account or wallet you control, subject to completion of applicable compliance checks, applicable law, and deduction of amounts you owe. Dormant or unclaimed balances may be handled in accordance with applicable unclaimed-property law. ### 10. Dispute Resolution for Individual Accounts Section 11 of the Terms applies to Individual Accounts as modified by this Section: * **Consumer arbitration standards.** Any arbitration between you and OneSafe will be administered by JAMS under its rules and, where applicable, its **Consumer Arbitration Minimum Standards**. Your filing fee will not exceed the amount specified by those standards (currently US$250), and OneSafe will pay all remaining JAMS fees and arbitrator compensation. The arbitration will be conducted in the county where you reside or remotely, at your election. * **Small-claims option.** Either party may bring an individual claim in small-claims court instead of arbitration, if it qualifies. * **Opt-out right.** You may opt out of arbitration by sending written notice to within thirty (30) days of first accepting this Addendum, stating your name, account identifier, and intent to opt out. Opting out will not affect any other provision of the Terms or this Addendum. * **Class action waiver.** The class action waiver in Section 11.3 of the Terms continues to apply. \[Counsel to confirm enforceability posture for consumer accounts in relevant jurisdictions.] ### 11. Changes to This Addendum OneSafe may update this Addendum. For changes that materially reduce your rights or increase your fees or liability, OneSafe will provide advance notice consistent with Section 6. Your continued use of the Individual Account after the effective date of a change, following any required notice, constitutes acceptance. ### 12. Definitions **"Authorized User"** — a natural person invited by the Individual Account holder to access the Individual Account under Section 3, with view-only or payment-requester access; payment-requester access requires the screening described in Section 3, and Authorized Users cannot approve or execute payments. **"Individual Account"** — a OneSafe Account opened by a natural person under this Addendum for personal, first-party use. **"Invitation"** — a personal, non-transferable invitation issued by OneSafe permitting a natural person to apply for an Individual Account. Capitalized terms not defined in this Addendum have the meanings given in the Terms. *** By opening or using an Individual Account, you acknowledge and accept the Terms as supplemented by this Addendum.