OPERATIONAL & REGULATORY NOTICE: topsend.live is operated by CERTECH BORROW s.r.o. (Czech Republic, IČO: 23706058). Certech Borrow s.r.o. is a technology provider and does not provide financial or custody services directly. All financial transactions are processed by regulated financial partners.

NON-CUSTODIAL SAAS UI DISCLAIMER: Certech Borrow s.r.o. operates strictly and exclusively as a non-custodial software technology provider and SaaS graphical user interface (UI) developer. Certech Borrow s.r.o. is not a bank, payment institution, electronic money institution, or virtual asset service provider, and NEVER takes custody, title, or control of user fiat or digital asset funds at any point.

All financial services, fiat onboarding, virtual IBAN issuances, currency exchanges, cross-border remittances, and digital asset transactions initiated via the topsend.live application interface are executed directly and exclusively by independent, duly licensed, and regulated financial service partners ("Regulated Financial Partners") in their respective authorized jurisdictions. Access to financial services via topsend.live is provided on a reverse solicitation basis upon the explicit initiative of the user.