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  1. Nature of KeyCoin

    KeyCoin (KC) is an internal purchase unit exclusive to KeyStore within the KeyCard BBM ecosystem. KeyCoin is not legal tender, is not fiat money, is not a bank deposit, does not generate interest, is not insured by any financial entity and is not accepted by third parties outside the ecosystem. Balances are not insured by the FDIC or any public agency, and are not issued or backed by the United States Government.

  2. Top-up methods

    The only enabled top-up methods are Visa, Mastercard, Apple Pay and cryptocurrencies, subject to availability, verification, risk controls and provider terms. Top-ups through other methods are not accepted.

  3. KC reference value and consumption

    Reference value for purchases: 1 KC = 1 USD. KC are used to obtain products and services on KeyStore within the KeyCard BBM ecosystem. When a purchase is completed, the KC used are deducted from the balance and permanently consumed (burned); they are not reused or circulated as a medium of exchange between users or third parties.

    KeyCoin is used only for purchases on KeyStore. It is not used as a currency for exchange, is not traded in external markets, does not earn returns or interest and does not appreciate in value. KC transfers between users and withdrawals of KC outside the ecosystem are not enabled.

  4. Purchases and refunds

    Users must check the product, amount, region, compatibility and order details before confirming a purchase. Each digital product’s terms and the Refund Policy determine when a review is available.

    A refund for a double charge, technical error or undelivered product is handled under the Refund Policy and mandatory applicable rights. It does not change the nature of KC as an internal purchase unit.

  5. Blocked services

    Top-ups or deposits originating from services on our internal blocklist are not accepted. Top-ups or deposits identified as originating from these services will be permanently blocked under this policy.

    Garantex/Grinex, Capitalist, Cryptomus, CommEX, Bitpapa, NetEx24, Lazarus Group, Shinbad.io, DuckDice, Genesis Market, 1xBit, Darknetone, OMG!OMG!, Rapira, Trocador, Anonexch, Stake, DoubleWay, Primedice, Wasabi Wallet, Bitzlato, FreeBitcoin, Gandhiji.io, Hydra, NVSPC, Roobet, Tornado, WEX Exchange, Yolo Group, Black Sprut, BTC‑e, Chiper Mixer, DuelBits, MEGA DARKNET MARKET.

    The list includes, among others, the services shown here. We recommend reviewing it periodically; INNOVAPPSOFT LLC will review and update it as appropriate. This is an internal list of prohibited services, not a statement that every service appears on an official sanctions list. Handling funds and reviewing incorrect matches remain subject to applicable law.

  6. Freezing and holds

    INNOVAPPSOFT LLC may hold, freeze, limit, or block all or part of a KeyCoin balance when there is suspicion of fraud, AML/CTF risk, policy violation, dispute, chargeback, legal requirement, or external provider review.

    These measures may be applied without prior notice and remain in place for as long as necessary to complete internal reviews, external validations, or legal processes.

  7. Loss of access

    If an account is closed for violation, fraud, false information, control evasion, or prohibited activity, the user may lose full or partial access to KeyCoin balance.

    Balance availability will depend on internal policies, applicable law, review results, and obligations to third parties or authorities.

  8. Modifications

    INNOVAPPSOFT LLC reserves the right to modify the operation, availability, limits, uses, top-up methods, restrictions, or conditions of KeyCoin at any time.

    Changes take effect once published or from the moment indicated by the platform.