Terms & Conditions
Terms & Conditions | Align Labs Ltd.
Align API - Terms and Conditions
Effective date: 30 October 2025
Important - read carefully
Align Labs Ltd owns Intikemp Spzoo and Align Payments Ltd. Regulated services are provided by regulated entities and licensed delivery partners as described below.
Align Labs Ltd is a UK-incorporated company (Company No. 14583880, registered at 90a High Street, Berkhamsted, Hertfordshire, HP4 2BL). Regulated services are provided by Align Payments Ltd (Canada MSB), Intikemp Spzoo (Poland VASP), and a network of financial institutions that are licensed in appropriate jurisdictions (delivery partners). Developers and users of Align services are subject to Know Your Customer (KYC) and Know Your Business (KYB) verification, which may require Enhanced Due Diligence (EDD). All transactions are monitored through Anti-Money Laundering (AML) procedures and may be reported to relevant authorities. Use of our services constitutes acceptance of these compliance measures.
By clicking "I accept" or by accessing or using the Service, you agree that you have read and understood, and as a condition to your use of the Service you agree to be bound by these Terms and Conditions and by Align Labs Ltd's Privacy Policy (together, these "Terms"). If you are not eligible or do not agree to the Terms, you do not have our permission to use the Service. Your use of the Service, and our provision of the Service to you, constitutes an agreement by you and by Align Labs Ltd to be bound by these Terms.
No customer accounts or custody - you must use your own wallet. We do not open or maintain customer accounts or hosted wallets for any user - business or individual. We do not safeguard or hold assets for you. All wallets used in processing are non-custodial wallets used solely for trade execution and settlement routing. They are not customer wallets or accounts and are not available for storage, safekeeping, or withdrawals. These Terms include and incorporate by reference the following additional documents, each as updated from time to time: the Acceptable Use Policy, Security Requirements, and the Data Processing Addendum.
1. Definitions
"Align" - collectively refers to Align Labs Ltd and its subsidiaries and affiliates, including Align Payments Ltd (Canada MSB) and Intikemp Spzoo (Poland VASP). Regulated services are provided by these entities and licensed financial partners in applicable jurisdictions.
"Align Payments Ltd" - an Align group company that provides regulated services as a Canada MSB.
"Intikemp Spzoo" - an Align group company that provides regulated services as a Poland VASP.
"API" - Align's application programming interfaces, SDKs, webhooks, documentation, and developer tools.
"Asset" - a supported digital asset or fiat currency.
"Customer" or "you" - the person or entity accepting these Terms to use the Service. If you use the Service on behalf of an organization, "you" refers to that organization.
"End User" - your customer or counterparty.
"Inventory Wallets" - operational wallets used for execution and settlement routing - not customer custodial wallets and not accounts.
"KYC" and "KYB" - Know Your Customer and Know Your Business checks performed on you and, where required, your End Users.
"EDD" - Enhanced Due Diligence performed where risk-based requirements apply.
"Order" - your instruction to buy, sell, convert, transfer, or otherwise move value using the Service.
"Order Form" - any written, click-through, or dashboard order confirmation setting out commercial terms such as fees or support tier.
"Payout Rails" - supported networks and payment channels for settlement.
"Service" - the Align API, routing, and related services provided under these Terms.
"Settlement Accounts" - Align-controlled bank or payment accounts used only to collect, convert, and forward value for settlement - not customer accounts or safeguarded accounts.
"Dashboard" - the Align web interface through which you may view logs, statements, and configuration.
2. Group and regulatory status
Align Labs Ltd owns Intikemp Spzoo and Align Payments Ltd.
Services are provided by regulated entities and licensed partners, depending on the nature of the activity and jurisdiction:
Align Payments Ltd - Canada MSB.
Intikemp Spzoo - Poland VASP.
A network of licensed financial institutions and payment providers as Delivery Partners in relevant jurisdictions.
Align will allocate service components to the appropriate regulated provider and Delivery Partners based on geography, rail, and product. Nothing in these Terms requires Align to offer services in jurisdictions where it is unlawful to do so.
3. Agreement to Terms and eligibility
These Terms form a binding contract when you click accept, generate API keys, or otherwise use the Service.
If you use the Service on behalf of an organization, you represent that you have authority to bind that organization.
Individuals and businesses may use the Service, subject to onboarding and applicable law. Nothing in these Terms affects your statutory rights if you are a consumer.
4. Service description
Align provides an API-first, non-custodial execution-only routing service that enables you to submit Orders for supported Assets across supported networks and Payout Rails.
We do not provide customer accounts, hosted wallets, safekeeping, or withdrawal functionality. You must provide and control your own wallet or payout destination.
Align does not market directly to your End Users and will not conduct user acquisition for the Service. Developers and partners may market their own products that integrate the Service, provided such marketing complies with applicable laws and does not state or imply that Align is soliciting or marketing to End Users.
Network availability, payload formats, supported Assets, limits, and partners may change at any time in accordance with Section 28.
5. Onboarding, KYC, KYB, and EDD
Use of the Service is subject to successful onboarding, including KYC and KYB checks on you and, if required, your End Users, directors, and beneficial owners. EDD may be required based on risk.
You must promptly provide accurate and complete information and keep it current. You authorize us and regulated group entities to obtain information from third parties to verify identity, risk profile, and compliance status.
We may approve, condition, restrict, or reject onboarding at our discretion and may suspend or terminate access if information is inaccurate, incomplete, or if required by law or our compliance policies.
6. Non-custodial model and Inventory Wallets
Payments and transfers involved in processing may pass through operational wallets used for routing and settlement. These are not customer accounts, are not available for storage or safekeeping, and are not accessible by you. Do not send funds to any address expecting account-like features.
You must not represent to End Users that Align provides custody or that Inventory Wallets are customer accounts.
Execution and routing are performed on a commercially reasonable best-efforts basis only. No particular price, venue, path, speed, or fill is guaranteed unless expressly agreed in an Order Form.
7. Role and execution
We provide an execution-only routing service. We are not your advisor and do not provide investment, legal, tax, or accounting advice.
We do not guarantee price, spread, or liquidity. Quotes are indicative until executed. Market conditions may change rapidly.
8. API access and license
Subject to these Terms, Align grants you a limited, revocable, non-exclusive, non-transferable license to use the API solely to integrate your applications with the Service.
You must keep API credentials and signing keys secure and confidential and are responsible for all activity under your credentials, including by your developers, vendors, and affiliates.
You must comply with rate limits, use webhooks responsibly, and implement exponential backoff and idempotency keys for all Order-creating requests.
You must not reverse engineer, scrape, resell, or provide the API to third parties except as necessary for your service integration.
9. Security and integration requirements
You must maintain industry-standard security controls including secure key management, HSM or equivalent for production secrets, TLS 1.2 or higher in transit, encryption at rest for sensitive data, least-privilege access, and audited change control.
You must implement transaction signing or allowlist controls for payout addresses where applicable and support webhook signature verification.
You must notify Align within 24 hours of any security incident affecting the Service or data processed via the API and cooperate with our investigation and remediation.
Best-efforts obligations are limited to Align controlled systems and do not extend to blockchains, banks, or Delivery Partners.
10. Orders, pricing, settlement, and finality
You place Orders through the API using idempotency keys. An Order is accepted only when we return a clear executed status or settlement instruction.
Fees may apply, including network fees, partner fees, and our fees. Fees can be deducted from proceeds. We will disclose fees before you place an Order.
All executed trades and payments are final once settled on the relevant network or Payout Rail. This does not affect your statutory rights and does not limit refunds where required by law or for mis-execution caused by us or our Delivery Partners.
You are fully responsible for entering correct settlement details, including wallet addresses, bank account details, network, memo tags, and any other required fields. If you or your developer provide incorrect details and we settle the trade, the settlement is final and you bear the risk and cost of any recovery.
We may delay, hold, or cancel an Order if required by law, sanctions screening, fraud monitoring, risk controls, or partner requirements.
Align has no obligation to recover funds sent to incorrect or inaccessible addresses and does not guarantee any recovery assistance.
11. Fees and taxes
You agree to the fees communicated to you in your Order Form, Dashboard, or API response. We may update fees on notice in accordance with Section 28.
You are responsible for all applicable taxes, duties, and reporting arising from your use of the Service and from your End Users' transactions.
12. Prohibited and restricted activities
You must not use the Service for activities prohibited by applicable law, sanctions, or our Acceptable Use Policy, including money laundering, terrorist financing, fraud, market manipulation, unlicensed financial services, unlawful gambling, illegal substances, privacy-invasive tracking, spyware, harvesting credentials, or dealing with sanctioned persons or jurisdictions.
13. Compliance, AML, CFT, sanctions, and Travel Rule
Align, Align Payments Ltd, and Intikemp Spzoo operate compliance programs designed to meet applicable AML, CFT, and sanctions obligations. We screen transactions and counterparties and may request additional information or enhanced due diligence.
You must implement and maintain your own AML program appropriate for your business or personal use and jurisdiction and ensure your End Users are not sanctioned or otherwise prohibited.
Where laws require transmission of originator and beneficiary information for transfers, we will exchange required information with obliged entities via supported channels. You must supply accurate information necessary to satisfy these obligations.
We may report suspicious activity and transactions to relevant authorities as required by law.
14. Representations and warranties
You represent, warrant, and covenant that:
You and your End Users will comply with all applicable laws, including financial services, consumer protection, advertising and marketing laws, and data protection laws.
You have authority to enter into these Terms and to perform your obligations, and if you use the Service as an individual you are legally capable of doing so.
You will provide accurate, complete, and current information to Align, including correct settlement details for wallets, bank accounts, and Payout Rails, and you accept that trades are final once settled subject to your statutory rights and Section 10.
If you or your developers market your products or services that integrate the Service, you will ensure such marketing complies with applicable laws and will not state or imply that Align solicits or markets to End Users.
You will not make statements to End Users that conflict with these Terms, including about custody, refunds, or finality.
Align provides the Service on an "as is" and "as available" basis and disclaims all warranties to the maximum extent permitted by law, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. If you are a consumer, we do not exclude or limit warranties where it would be unlawful to do so.
15. Data protection and privacy
Each party will comply with applicable data protection laws, including GDPR where applicable.
Role allocation: for personal data you submit for us to provide the Service, you are the controller and we act as your processor under the Data Processing Addendum. For fraud prevention, security monitoring, abuse prevention, sanctions screening, and legal compliance, we act as an independent controller. The Data Processing Addendum forms part of these Terms and prevails over conflicting privacy language.
We will notify you without undue delay and in any event within 72 hours after becoming aware of a personal data breach affecting Customer Personal Data and will provide legally required information.
You must provide required notices and obtain necessary consents from End Users.
16. Availability, changes, and beta features
We may modify, suspend, or discontinue any part of the Service at any time, including for maintenance, security, legal compliance, or partner changes. We will use reasonable efforts to provide notice where practicable.
Target monthly uptime - 99.9 percent excluding planned maintenance notified at least 24 hours in advance where practicable. Support response targets are in Section 17.
Beta or experimental features may be offered with reduced or different support and may be withdrawn at any time.
17. Support and incident response
We provide developer support through documented channels and during business hours specified in your Order Form or Dashboard.
Target response times - Priority 1 within 1 hour, Priority 2 within 4 hours, during support hours.
You must escalate critical incidents promptly and provide relevant logs, request IDs, and reproducible steps.
18. Intellectual property, feedback, and IP indemnity
Align and its licensors own all right, title, and interest in the Service and the API. No rights are granted except as expressly stated.
If you provide feedback, you grant Align a perpetual, irrevocable, royalty-free license to use it without restriction.
We will defend and indemnify you against third-party claims that the unmodified Service, as provided by us, infringes a UK or EU patent, copyright, or registered trademark, subject to your prompt notice and our control of the defense and settlement. This indemnity does not apply to claims arising from your code, combinations not supplied by us, or use in violation of these Terms. Our obligation is to procure the right to continue using the Service, modify the Service to be non-infringing, or terminate your affected use with a pro rata refund of any prepaid fees for unused services, where applicable.
19. Confidentiality
Each party will keep the other's non-public information confidential and use it only to perform under these Terms, protecting it with at least the same care used to protect its own confidential information and no less than reasonable care.
Confidentiality obligations do not apply to information that is public through no breach, known without restriction before receipt, independently developed without use of the other party's confidential information, or rightfully obtained from a third party without duty of confidentiality.
Either party may disclose confidential information to the extent required by law or a competent authority, after giving reasonable notice and cooperation to seek confidential treatment.
This section survives termination for 5 years, and trade secrets for so long as they remain trade secrets.
20. Limitation of liability
To the maximum extent permitted by law, Align will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, goodwill, or data.
Cap - Align's total aggregate liability arising out of or related to the Service will not exceed the greater of:
the fees you paid to Align in the 12 months before the event giving rise to the claim, or
$100,000.
We are not liable for settlements sent to wallet addresses, bank accounts, or other destinations that you or your developers provided incorrectly. If incorrect or incomplete details are supplied and a trade is settled, that settlement is final and you bear the risk and cost of any recovery efforts.
Nothing in these Terms excludes liability that cannot be excluded by law, including for fraud. If you are a consumer, we do not exclude or limit liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence or for our failure to use reasonable care and skill. Nothing in these Terms affects your statutory rights.
Nothing in these Terms limits liability for breach of data protection laws to the extent such limitation would be unlawful.
21. Indemnification by you
You will defend, indemnify, and hold harmless Align, its affiliates, and their officers, directors, employees, and agents from and against claims, damages, losses, and expenses arising from or related to your or your End Users' use of the Service, your content or data, your breach of these Terms, or your violation of law.
22. Audit and information rights
You will maintain accurate records relating to your use of the Service and compliance with these Terms and applicable law for at least 5 years or as required by law.
On reasonable notice, you will provide information reasonably requested by Align or regulators to evidence compliance, subject to confidentiality obligations.
Align will provide reasonable assurance on its controls, including a current third-party security report such as SOC 2 Type II or equivalent when available, or a written summary of controls on request.
23. Third-party services, networks, and Delivery Partner oversight
Execution and settlement rely on third-party networks, blockchains, banks, and Delivery Partners. While we do not control those third parties, we will exercise reasonable skill and care in the selection, onboarding, and periodic monitoring of our Delivery Partners and will flow down appropriate legal, security, confidentiality, and sanctions obligations to them.
Minimum assurances - we will use reasonable efforts to ensure that Delivery Partners:
for fiat services, hold and maintain required authorisations under applicable law in relevant jurisdictions, and
for digital asset services, maintain industry-standard security and compliance controls appropriate to their role.
Evidence - on request, we will provide a written description of applicable Delivery Partner safeguards and, where available, a current third-party assurance report or equivalent summary.
Substitution and changes - we may replace a Delivery Partner. If a replacement materially degrades the Service or materially increases risk, you may terminate the affected part of the Service on notice before the change takes effect.
Incidents and mis-execution - we will coordinate response and remediation for incidents or mis-execution caused by our Delivery Partners in connection with the Service, subject to Section 20. This does not make us responsible for blockchain protocol failures or events outside our reasonable control.
Blockchain risk acknowledgement remains unchanged - you acknowledge risks inherent in blockchain networks, including congestion, increased fees, smart contract vulnerabilities, and protocol changes.
24. Records, reporting, and reconciliations
You are responsible for reconciling your transactions and maintaining records necessary for audits, accounting, and tax reporting.
Align may make statements and logs available via the Dashboard or API. You are responsible for exporting and retaining them.
25. Notices and complaints
Legal notices to Align must be sent to: [email protected] with a copy to Align Labs Ltd, 90a High Street, Berkhamsted, Hertfordshire, HP4 2BL, United Kingdom. We may provide notices to you via the Dashboard, email, or your registered address.
A notice by email is deemed received when sent if no bounce is received. A notice by post is deemed received 2 business days after posting within the UK and 5 business days after posting internationally.
Complaints: you may submit complaints to [email protected]. We will acknowledge within 2 business days and aim to resolve within 15 business days. This does not limit any escalation rights you may have under applicable law.
26. Governing law and jurisdiction
These Terms and any dispute or claim arising out of or in connection with them are governed by the laws of England and Wales.
The courts of England and Wales have exclusive jurisdiction, except that if you are a consumer and live in another country, you may also bring proceedings in your local courts and applicable mandatory consumer laws may apply.
27. Miscellaneous
Entire agreement - these Terms, the incorporated policies, and any Order Form constitute the entire agreement and supersede prior discussions.
Order of precedence - if there is a conflict, an executed Order Form controls, then these Terms, then the documentation.
Assignment - you may not assign these Terms without our prior written consent. We may assign to an affiliate or in connection with a merger, acquisition, or sale of assets.
Force majeure - neither party is liable for delay or failure due to events beyond its reasonable control, including network outages, labor disputes, or acts of government.
Facts over form - regulatory status is determined by facts and conduct, not labels or disclaimers. If your conduct constitutes solicitation or requires authorization in a jurisdiction, you must obtain and maintain such authorization. Align operates on a non-solicitation basis in jurisdictions where solicitation requires authorization it does not hold, and may request confirmation that your use is on your exclusive initiative. Align will not market to your End Users.
Severability - if any provision is unenforceable, the remainder remains in effect.
No waiver - failure to enforce a provision is not a waiver.
28. Changes to Terms and the Service
We may update these Terms from time to time. Changes become effective on the date specified in the notice or, if not specified, 30 days after posting. Your continued use of the Service after the effective date constitutes acceptance of the changes. For consumers, if you do not agree to a material change, you may stop using the Service before the effective date and request a pro rata refund of any prepaid fees for unused services, where applicable.
We will give at least 30 days' prior notice for material adverse changes or fee increases where practicable. We will give at least 30 days' prior notice for breaking API changes where practicable.
29. Contact
Contracting entity: Align Labs Ltd
Company number: 14583880
Registered office address: 90a High Street, Berkhamsted, Hertfordshire, HP4 2BL, United Kingdom
Support: [email protected]
30. Stablecoin risk disclosures
The following provisions apply to the use of stablecoins such as USDC, EURC, and USDT. By using the Service for such transfers, you acknowledge and accept associated risks, including regulatory, counterparty, stability, technical, and legal risks. Stablecoin values are not guaranteed and may fluctuate, including to zero. You agree Align has no liability for losses arising solely from market movements or network conditions. This does not affect your statutory rights and does not limit refunds where required by law or for mis-execution caused by us or our Delivery Partners. See the Stablecoin Risk Appendix if provided to you.
Schedules
Schedule 1 - Acceptable Use Policy
You and your End Users must not use the Service to:
Violate any law, regulation, or order of a court or government authority.
Conduct marketing, promotions, or financial promotions in violation of applicable local or global laws, including unfair or deceptive acts or practices, unlawful spam, or unsolicited communications, or represent that Align solicits or markets directly to End Users. Any developer or partner marketing must clearly be presented as its own and must not imply Align is marketing or soliciting.
Deal with sanctioned persons or jurisdictions or attempt to evade sanctions.
Facilitate or further money laundering, terrorist financing, fraud, or other financial crimes.
Provide or receive consideration for illegal goods or services.
Interfere with the security, integrity, or availability of the Service, including probing or scanning networks without authorization.
Transmit malware, spam, or content that violates intellectual property or privacy rights.
Resell, white-label, or sublicense the API except as expressly permitted in writing.
Engage in categories listed as restricted in the Acceptable Use Policy page referenced in the Dashboard. We will provide at least 30 days' prior notice for material changes to restricted categories where practicable, unless required sooner by law or to address security or legal risks.
Schedule 2 - Security Requirements
At a minimum, you must implement:
Key and secret management using HSM, KMS, or equivalent with role-based access.
Multi-factor authentication for all administrative access.
Network segmentation, principle of least privilege, and regular access reviews.
Encryption in transit and at rest for sensitive data.
Secure SDLC practices, code reviews, and dependency management.
Logging of API requests with secure retention and tamper protection.
Business continuity and disaster recovery plans, tested at least annually.
Incident response plan with 24-hour notification to Align of security incidents affecting the Service or data.
For personal data, additional measures consistent with the Data Processing Addendum.
Schedule 3 - Data Processing Addendum summary
Subject matter - processing personal data as necessary to provide the Service.
Duration - for the term of your use of the Service and any legally required retention period.
Nature and purpose - provision of API-based routing and execution services.
Categories of data subjects - your personnel and End Users.
Categories of personal data - identification and KYC data, contact details, transaction metadata, and technical logs.
Subprocessors - listed in the Dashboard and may be updated with notice. You may subscribe to updates.
International transfers - safeguarded via appropriate mechanisms such as the UK IDTA or EU SCCs as applicable.
The full DPA prevails over this summary and over conflicting privacy language in the Terms.
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