1.0YourAdnhttps://www.youradn.com/en/rich600338<blockquote class="wp-embedded-content" data-secret="L4TWz9eJGk"><a href="https://www.youradn.com/en/terms-and-conditions/">Terms and Conditions</a></blockquote><iframe sandbox="allow-scripts" security="restricted" src="https://www.youradn.com/en/terms-and-conditions/embed/#?secret=L4TWz9eJGk" width="600" height="338" title="“Terms and Conditions” — YourAdn" data-secret="L4TWz9eJGk" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" class="wp-embedded-content"></iframe><script> /*! This file is auto-generated */ !function(d,l){"use strict";l.querySelector&&d.addEventListener&&"undefined"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!/[^a-zA-Z0-9]/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret="'+t.secret+'"]'),o=l.querySelectorAll('blockquote[data-secret="'+t.secret+'"]'),c=new RegExp("^https?:$","i"),i=0;i<o.length;i++)o[i].style.display="none";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute("style"),"height"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):"link"===t.message&&(r=new URL(s.getAttribute("src")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener("message",d.wp.receiveEmbedMessage,!1),l.addEventListener("DOMContentLoaded",function(){for(var e,t,s=l.querySelectorAll("iframe.wp-embedded-content"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute("data-secret"))||(t=Math.random().toString(36).substring(2,12),e.src+="#?secret="+t,e.setAttribute("data-secret",t)),e.contentWindow.postMessage({message:"ready",secret:t},"*")},!1)))}(window,document); </script> PLATFORM USER MANUAL AND CONTRACTUAL TERMS AND CONDITIONS FORUSERS AND WALLET OWNERS Index Legal regime under which TESORA SPA operates This agreement (the ‘Contract’) is for customers who decide to access the TESORA platform and use the centralised wallet for managing digital assets. Tesora SpA is incorporated in Italy and duly registered with the OAM (Organismo Agenti e Mediatori Creditizi, or Credit Agents and Brokers Organisation) in the ‘digital currency operators’ section. It operates under the YOUR ADN brand and through the digital platforms www.youradn.com and the related apps registered as YOUR ADN on Apple iOS and Google Play Android. In carrying out its activities, Tesora SpA complies with the following regulations: REGULATION (EU) 2023/1114 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 31 May 2023 on markets in crypto-assets and amending Regulations (EU) No 1093/2010 and (EU) No 1095/2010 and Directives 2013/36/EU and (EU) 2019/1937 – hereinafter referred to as MiCAr In particular, MiCAR regulates the issuance, trading and provision of services on three types of crypto-assets: i) asset-referenced tokens (ARTs), defined as crypto-assets that aim to maintain a stable value by referring to another value or right or a combination of the two, including one or more official currencies; ii) e-money tokens (EMTs), defined as crypto-assets that aim to maintain a stable value by referring to the value of a single official currency; and iii) so-called “other than” crypto-assets, a category that includes crypto-assets other than ARTs and EMTs; this category also includes “utility tokens”, i.e. crypto-assets intended solely to provide access to a good or service provided by its issuer. MiCAr does not apply to crypto-assets that can be classified as financial instruments or other products already regulated in the Union. Furthermore, MiCAr does not apply to NFTs (non-fungible tokens). From 30 June 2024, Titles III and IV of MiCAr, which regulate the public offering and admission to trading of ARTs and EMTs, shall apply. Tesora has initiated the preliminary stages of submitting its application to Consob, as required by the MiCAr Regulation approved by the European Parliament, which applies to all companies wishing to continue operating as CASPs in order to provide the services for which they will obtain authorisation. The deadline for this process is set at 31 December 2025 for the submission of the application by Tesora SpA. In order to maintain transparency towards customers who have a wallet with Tesora SpA, we will promptly inform them of the stages of the authorisation process for the services it is requesting from the Authority. This is a contract between you (the customer) and each of the companies listed below: References in this Agreement to ‘YOURADN’, ‘we’, ‘our’, or ‘us’ refer to TESORA SpA, which uses the ‘YOURADN’ trademark as a commercial brand for the services provided and described in these regulations, and references to “you” or ‘your’ refer to the person with whom YOURADN enters into this Agreement and who accepts the terms and conditions contained in these regulations by using the wallet. By registering through the account opening application process via the www.youradn.com platform or any of our associated websites, application programming interfaces (APIs) or mobile applications (collectively, the ‘Site’) for the use of wallets that enable access to and use of digital assets, you agree that you have read, understood and accepted all the terms and conditions contained in this Agreement, as well as our Privacy Policy and Cookie Policy. We refer to Electronic Money Services, Digital Currency Services and Additional Services (all collectively referred to below as the ‘YOURADN Services’) which can be accessed via the platform operated by YOURADN (the ‘YOURADN Platform’), including the online platform accessible via the Website or at any location that may be prescribed by YOURADN from time to time. Each of the YOURADN Services is provided by Tesora SpA, as indicated in clause 2 below. You should be aware that the risk of loss when trading or holding digital currencies can be high. As with any asset, the value of digital currencies can go up or down, and there may be a substantial risk that you could lose money by buying, selling, holding, or investing in digital currencies. You should carefully consider whether trading or holding digital currencies is suitable for you in light of your financial circumstances. CONTRACTING PARTIES This is a contract between you (the customer) and each of the companies listed below:1- Tesora SpA (“Tesora”), a joint-stock company incorporated in Italy and registered with the OAM (Organismo Agenti e Mediatori) Authority, with licence no. PSV2, as a VASP, qualifying that it is in the process of applying to Consob and Banca Italia in accordance with the provisions of the MiCAr regulation for certain services that require express authorisation from 1 January 2026; 1. ELIGIBILITY To be eligible to use any of the YOURADN Services, you must be at least 18 years old and reside in a country where the relevant YOURADN Services are accessible. Please note that not all YOURADN Services are available in all countries. The list of YOURADN Services accessible by country is available at www.youradn.com. 2. SERVICES 2.1 Electronic money services The following services (the ‘Electronic Money Services’) may be provided through: A hosted digital wallet (“Electronic Money Wallet”) that allows the user to store the chosen electronic money, denominated in fiat currency (“Electronic Money”); and Certain payment services that allow the user to send and receive electronic money (as indicated below) Electronic money (fiat currency) may be held in a wallet dedicated solely to electronic money in the chosen currency, and may only be transferred from a bank account held in the name of the beneficial owner of the wallet. 2.2 Digital currency services The following services (the ‘Digital Currency Services’) may be provided by YOURADN: One or more hosted digital currency wallets (the “Digital Currency Wallets”) that enable the user to store, track, transfer and manage balances of certain supported digital currencies such as Bitcoin or Ethereum (collectively, “Digital Currency” or “Digital Currencies”); and A digital