English translation based on the supplied Chinese draft.
These Terms govern your access to and use of Bridyra websites, applications, H5 pages, accounts, institutional interfaces, order systems, digital settlement and related Services. Creating an account, accepting, signing documents, accessing or using Services means you agree. Specific agreements prevail over these Terms for the same subject.
The Services are operated by BRIDYRA PTY LTD.
Bridyra means the Platform and available technology; Partner Institution means an institution supplying orders or related services; Debt Order means a genuine credit-card debt or related credit-asset order submitted under Platform standards; Capital Provider means an eligible source of short-term or other funding; Long-Term Capital means capital matched to long-term receivables; Digital Settlement means transfer, settlement or recording using USDT, USDC or another supported compliant tool.
Bridyra is a financial-technology platform for institutional order intake, review, standardisation, risk tiering, liquidity matching, digital settlement and long-term receivables management. It is not principally a direct customer-acquisition service for individual debt users and is not defined as a single peer-to-peer model. Legal roles and features vary by jurisdiction, licence, structure and contract.
Products, orders, funding, receivables management and USDT/USDC settlement are not guaranteed in every country. We may restrict, suspend or stop Services based on location, law, licences, risk policy, technology or commercial arrangements. You must ensure your use is lawful.
You must meet the legal age and capacity requirements, not be prohibited by law or sanctions, provide accurate current information, complete required KYC/KYB, AML, sanctions, source-of-funds and risk reviews, and use Services only lawfully. Additional conditions may apply.
Keep credentials, 2FA, API keys, wallets and other security factors safe. Do not sell, rent, lend, transfer or misuse an account. Notify Bridyra immediately of suspected compromise. We may require additional verification, confirmations, waiting periods or human review.
Partner Institutions are responsible for customer acquisition, authorisation, records, communications and agreed servicing. They must have lawful rights and authorisations. Bridyra review does not remove their legal or contractual responsibilities.
We may review authenticity, identity, repayment ability, risk, completeness and other factors, and reject, suspend or request information for orders that fail our standards. Initial review is not a promise of funding, debt treatment or repayment performance.
Eligible orders may be matched to Platform, institutional or other compliant funding based on amount, risk, term, cost, availability, quality and liquidity. We do not guarantee funding or a successful match.
Short-term funds may support debt treatment under agreed conditions and settle after completion. A new long-term receivable may be created under a formal agreement and managed by Bridyra, partners and suitable long-term capital.
After matching and conditions are met, funds may treat the original debt or other agreed arrangement. New repayment structures may state principal, term, fees and obligations. Ongoing servicing may include tracking, support, monitoring, accounting and exception handling.
USDT and USDC may support cross-region, continuous and traceable settlement. Digital assets perform a settlement role and do not change the legal character of the underlying debt or receivable. Supported assets, networks and wallets may be changed or paused.
Blockchain transactions are generally irreversible. Check the asset, network, address, Memo/Tag and amount before sending. Losses caused by wrong details, unsupported assets, lost keys or third-party wallets may be unrecoverable. Network, custody and smart-contract events may affect timing.
Service, Platform, settlement, network, withdrawal, asset-management and institutional fees may apply under the relevant agreement. Rates, bases, deductions and timing are shown in the Service, order confirmation or applicable rules and may change prospectively with reasonable notice.
Business models, costs, ranges, historical results, simulations and examples are illustrative unless expressly agreed. They are not fixed or guaranteed returns, interest, investment promises, lending rates, profit guarantees or future-performance guarantees.
You confirm that information and funds are lawful and accurate, you may use your wallets and accounts, you will keep information current and cooperate with reviews, you understand the risks, and you will not use the Platform for unlawful, fraudulent, money-laundering, terrorist-financing or sanctions-evasion purposes.
Do not use false or unauthorised identities or funds; manipulate orders; bypass KYC, AML, limits, controls or regional restrictions; attack, scrape, reverse-engineer or disrupt systems; exploit vulnerabilities; infringe rights; or engage in conduct reasonably harmful to users, institutions, market integrity, reputation or security.
Participation involves credit, liquidity and term, digital-asset and stablecoin, regulatory, operational, technology, third-party, market and economic risks. Recovery may be below expectations and matching, transfer, refinancing, exit or settlement may be delayed or unavailable.
For security, fraud, AML, sanctions, source-of-funds, legal, takeover, abnormal-activity or Terms risks, we may request information, delay or reject transactions, limit features, suspend orders, hold activity for review, report to authorities, or suspend or terminate an account where lawful.
Partner institutions, banks, stablecoin issuers, networks, wallets, KYC/AML, cloud, payment and security providers may affect availability, rules and compliance. Their own terms and policies may apply.
Bridyra names, marks, logos, websites, applications, interfaces, software, code, algorithms, databases, text, graphics, video and documents belong to Bridyra or their owners. Use is limited, revocable and non-exclusive unless expressly stated.
We may modify, add, restrict, suspend or stop Services for security, technology, legal, regulatory, risk, market or business reasons and may perform maintenance, migration or emergency fixes.
Website, whitepaper, research, data, charts, product descriptions and risk information are informational and do not constitute professional advice, lending or receivables-purchase commitments, or guarantees. Obtain independent advice.
To the maximum extent permitted by law, Services are provided as available. We do not guarantee error-free, uninterrupted or absolutely secure operation, successful matching, debt treatment, recovery or network availability. Non-excludable statutory rights remain.
To the maximum extent permitted by law, Bridyra is not liable for indirect, incidental, special, punitive or consequential loss caused by market, credit, third-party, blockchain, stablecoin, user, force-majeure or regulatory events beyond reasonable control.
Where lawful, you are responsible for reasonable losses, costs, claims or liabilities caused by your breach, unlawful conduct, fraud, misuse or infringement of third-party rights, subject to non-transferable consumer protections.
A party is not responsible for delay or failure directly caused by events beyond reasonable control, including disasters, war, government action, sanctions, major cyberattack, outages, blockchain or financial-infrastructure failures, provided reasonable mitigation is taken.
You may request closure through the available process, subject to unsettled transactions and continuing obligations. Bridyra may restrict, suspend or terminate for breach, risk, law, security, fraud, sanctions, inactivity or business cessation. Accrued obligations survive.
You agree that account notices, website/App/H5 announcements, email, SMS and other provided contact methods may be used for service, transaction, security, compliance and legal notices. Electronic notices and signatures may have written effect where lawful.
Processing of personal information is governed by the Bridyra Privacy Policy, which forms an important part of these Terms.
Unless mandatory law provides otherwise, these Terms are principally governed by the laws of Victoria and the Commonwealth of Australia. Parties should first seek good-faith resolution through Bridyra support; unresolved disputes may proceed under applicable law, service agreements and the final legal mechanism.
These Terms, the Privacy Policy, order terms, risk disclosures and specific agreements form the agreement for the relevant subject. Specific agreements generally prevail. Invalid provisions are severed, delay is not waiver, and transfers require consent except for lawful business succession. Updates may be notified and language versions will state the controlling language.
For questions about these Terms, contact custom@bridyra.com.