Terms of Use

Sternexus is a financial technology platform operated by Sterling Quantum SL. Sternexus is not a bank, electronic money institution, payment institution or investment adviser, and does not hold client funds. Regulated financial services are provided by authorised partner institutions where applicable.

1. Who may use Sternexus

Sternexus is a business-to-business platform. You may use it only if you are at least 18 years old and are authorised to act on behalf of a company or other organisation. By using the platform you represent that you have authority to bind that organisation to these terms.

2. Accounts and access

You are responsible for the accuracy of the information you provide, for maintaining the confidentiality of access credentials, and for all activity under your account. You must notify us promptly of any unauthorised use. We may require identity and authority verification before granting or continuing access.

3. Acceptable use and prohibited activity

You must use the platform lawfully and in accordance with our Acceptable Use Policy. Prohibited activity includes, without limitation: providing false or misleading information; using the platform for money laundering, terrorist financing, sanctions evasion or fraud; attempting to circumvent compliance controls; infringing others’ rights; or interfering with the security or integrity of the platform.

4. Compliance responsibilities and KYB/KYC

Using the platform may require you to complete business verification (KYB) and identity verification (KYC), to provide source-of-funds and ownership information, and to respond to compliance requests. You are responsible for the accuracy and completeness of the information you submit and for complying with all laws applicable to you, including sanctions and AML obligations. We and our partner institutions may decline, suspend or terminate access where compliance requirements are not met.

5. Third-party financial providers and partner rails

Accounts, IBANs, safeguarding of funds and payment execution (including SEPA and SEPA Instant where offered) are provided by authorised partner institutionsunder their own terms, licences and onboarding decisions. Your use of those regulated services is subject to the relevant partner’s agreement. We do not guarantee that any account or service will be approved, opened or maintained, and approval decisions rest with the relevant partner institution.

6. No financial, legal or tax advice

Sternexus provides software, orchestration, evidence and decision-support tooling. Nothing on the platform or website constitutes financial, legal, tax, accounting, investment or regulatory advice. You should obtain your own professional advice.

7. Intellectual property

The platform, website, software, diagrams and content are owned by or licensed to Sterling Quantum SLand protected by intellectual property law. We grant you a limited, non-exclusive, non-transferable, revocable right to access and use the platform for your internal business purposes, subject to these terms. “Sternexus” and “Sternexus Verified” are trademarks of Sterling Quantum SL.

8. Sternexus Verified™ and Transaction Evidence

Sternexus Verified™ reflects checks performed at a point in time and is shared only on a permissioned basis. It does not constitute a guarantee, legal or regulatory determination, endorsement or assessment of creditworthiness. Transaction Evidence is a record-keeping and decision-support feature; while designed to be complete, ordered and tamper-evident, it does not replace your own records or your legal and regulatory obligations.

9. Availability

We aim to provide a reliable service but do not guarantee uninterrupted or error-free availability. We may perform maintenance, and features may change. Regulated services depend on partner institutions and networks outside our control.

10. Suspension and termination

We may suspend or terminate access where we reasonably believe there is a breach of these terms, a legal or compliance requirement, a security risk, or a risk of harm. You may stop using the platform at any time. Provisions that by their nature should survive termination (including intellectual property, liability and governing law) will survive.

11. Limitation of liability

To the fullest extent permitted by law, Sterling Quantum SL is not liable for indirect, incidental, special or consequential loss, or loss of profit, revenue, data or goodwill. Nothing in these terms limits liability that cannot be limited by law.

To the maximum extent permitted by applicable law, Sterling Quantum SL’s liability is limited as described in these Terms and any applicable service agreement. Specific commercial agreements may contain separate liability provisions.

12. Your responsibility

You are responsible for, and agree to hold Sterling Quantum SL harmless from, losses arising out of your misuse of the platform, your breach of these terms, sanctions or AML breaches by you, fraud, or inaccurate or unlawful information you submit, and from decisions made independently by third-party partner institutions.

13. Disputes and governing law

These terms are governed by Spanish law, without prejudice to any mandatory consumer or data-protection rights that apply in your country of residence. The courts of Spain will have jurisdiction, unless mandatory applicable law provides otherwise. We encourage you to contact us first at legal@sternexus.com to resolve any dispute.

14. Changes to these terms

We may update these terms from time to time. Material changes will be notified by updating the version and date shown above and, where appropriate, by additional notice. Continued use after changes take effect constitutes acceptance.

Versioning & changes

This document is version 1.0, last updated 24 June 2026. We may update it from time to time. When we do, we will revise the version number and date shown above, and for material changes we will provide additional notice where appropriate. Your continued use after changes take effect constitutes acceptance.