Terms of Service

Last updated: 2 November 2026

These Terms of Service ("Terms") are a contract between you and Denaro Technologies Inc., a Delaware corporation with its office at 2810 N Church St STE 88593, Wilmington, DE 19802, United States ("Denaro", "we", "us", "our").

They apply when you visit www.usedenaro.com (the "Site") and when you buy a Denaro founding membership on the Site. By using the Site or completing a purchase, you agree to these Terms. Our Privacy Policy, Refund Policy and Cookie Policy are part of these Terms. Section 4 of these Terms is the Membership Agreement you accept at checkout.

The Denaro app at app.usedenaro.com may have additional terms. We show them to you when you create your account there.

1. Important things to know first

Denaro is a private company. "Citizenship", "citizen", "passport", "Foreign Affairs", "Global Banking", "Public Health", "Digital Registry" and "Social Security" are names of Denaro products. A Denaro membership gives you no nationality, citizenship, right of residence, visa or right to work in any country, and it is not issued or endorsed by any government.
The founding card is a membership card. It is not an identity document or a travel document, and you cannot use it to enter or leave any country.
Governments decide on visas and permits. We help you prepare, and we cannot guarantee the outcome of any application.
Licensed partners provide regulated services. Banking, payments, health cover, pensions, credit and legal services are provided by third parties that hold the licenses those activities require, under their own terms. Denaro does not hold a banking, payment, lending, insurance, pension or legal license.
We do not give legal, immigration, tax or financial advice. Information on the Site is general. For advice on your own situation, speak to a qualified professional.
Your founding membership is a pre-order. Some or all of the services you buy may not be available yet on the day you pay. Section 4 explains how they become available and what happens if one does not launch.

2. Who can use the Site and buy a membership

To buy a membership you must:

be at least 18 years old and able to enter into a binding contract;
buy for yourself, because a membership is personal;
give accurate and complete information, including your full name exactly as it appears on your passport;
not be the target of sanctions administered by the United States, the European Union, the United Kingdom or the United Nations, and not be located in a country or region subject to comprehensive sanctions by any of them.

We may refuse an order, for example when we cannot verify it, when we suspect fraud, or when the law does not allow us to serve you. If we refuse an order after you have paid, we refund you in full.

3. Using the Site

You may use the Site for your own personal purposes. You agree not to:

break any law or anyone else's rights while using the Site;
interfere with the Site, its security or its servers, or try to access parts of it that are not meant for you;
copy or collect content from the Site in bulk, by automated means, without our written permission;
copy, modify or reverse engineer the Site's software, except where the law allows it;
impersonate anyone or give false information to us or to our partners.

Information on the Site. Pages about visas, documents and moving abroad are general information. Immigration rules change often and depend on your situation, so check them with the competent authority or a qualified professional before you act.

Job listings. Job listings come from employers and public sources. We check them on the date shown, and roles can close or change without notice. You apply on the employer's website, under the employer's terms. Denaro is not the employer and does not take part in the hiring decision.

4. The founding membership

4.1 What you buy

On the checkout you choose one or more services (each a "Service"). Your membership includes:

the Services you selected, billed yearly at the founding price shown at checkout;
a Denaro account to use them;
a founding card with your name (section 4.6).

The Site describes what each Service is planned to include. When a Service becomes available, the activation email described below sets out exactly what it includes.

4.2 How Services become available

We launch Services over time. When a Service becomes available to you, we email you at the address you used at checkout. That email tells you what the Service includes, which partner provides it (if any), where to find the partner's terms, and how to start. We call that date the "activation date" of the Service.

Until its activation date, a Service is "pending". You can cancel a pending Service at any time and get back everything you paid for it, as described in the Refund Policy.

Dates on the Site, such as "Shipping passport March 2027", are our best estimates. We will tell you by email if an estimate changes significantly.

If we decide not to launch a Service, or we cannot offer it in the country where you live, we tell you and refund in full what you paid for it.

4.3 Services provided by partners

Some features of the Services require you to open an account or sign a contract directly with a partner, such as a bank or electronic money institution, an insurer, a pension provider, a lender or a law firm.

The partner decides whether to accept you, based on its own checks (for example identity verification, anti-money laundering checks, credit or eligibility checks).
The partner's terms govern the partner's service, and the partner is responsible for providing it.
Your membership fee does not include the partner's own fees, unless we say so in the activation email.
Any financing of your move, including flight, deposit and fees, is subject to the lender's approval and to a separate credit agreement with the lender. Nothing on the Site is an offer of credit.
Lawyers available through Denaro are independent professionals. Any lawyer and client relationship is between you and the lawyer.
Landlords, employers and other third parties decide for themselves whether to accept your Digital Registry record.

4.4 Your Denaro account

To use your Services you need a Denaro account created with the same email address you used at checkout. You are responsible for keeping your login details secure and for activity in your account. Tell us at once at support@usedenaro.com if you think someone else has accessed it.

4.5 Founding price

The yearly price of each Service is fixed on the day you buy it and stays the same at every renewal, as long as that Service renews without interruption. If you cancel a Service, or it ends because a renewal payment failed, and you buy it again later, the price on that later date applies.

4.6 Founding card

Your founding card carries your name as it appears on your passport. Before we ship it, we ask you for a shipping address. Shipping is included in your membership. If your country charges import duties or taxes on the card, we tell you before we ship it.

The card has no function of its own. If your membership ends, you can keep the card. If you cancel every Service before the card ships, we do not ship it.

4.7 Your membership is personal

You cannot sell, transfer or share your membership, your Services or your card.

5. Prices, payment and taxes

Prices are in US dollars and you are charged in US dollars. If your card is in another currency, your bank may convert the amount and charge its own fees.
Prices include any sales tax or VAT we must charge.
Government, consular and other third-party fees (for example visa fees, apostilles, translations, partner fees) are not included and are paid separately.
Stripe processes payments on its own secure checkout page. We never see or store your full card number.
Promotion codes are subject to the conditions shown with them and cannot be exchanged for cash.
You receive a receipt by email after each payment. The number on the receipt is your order number.
If a renewal payment fails, we tell you and try again. If we cannot collect it within 30 days, the unpaid Services end.

6. Renewal and cancellation

Your membership renews automatically every year on the anniversary of your purchase, at your founding price, using the payment method you used at checkout, until you cancel.
We email you a reminder at least 30 days before each renewal, with the amount and how to cancel.
You can cancel at any time by writing to support@usedenaro.com from the email address you used at checkout, or from your Denaro account once this option is available there. You can cancel one Service and keep the others.
Cancelling stops future renewals. Your activated Services stay available until the end of the year you have paid for. Pending Services are refunded in full.

Refunds are covered in section 7 and in the Refund Policy.

7. Right of withdrawal and refunds

If you are a consumer in the European Union, the European Economic Area or the United Kingdom, you have a legal right to withdraw from your purchase within 14 days of the purchase date, without giving a reason. At checkout you asked us to start your access immediately and acknowledged that you lose the right of withdrawal for a Service once you have used it. The Refund Policy explains how to withdraw and includes a model withdrawal form.

Our Refund Policy also gives every member, wherever they live, a full refund for pending Services at any time, and a 30-day refund for activated Services. It applies in addition to your legal rights.

8. Emails from us

When you buy a membership, we send you emails that are part of the service: receipts, activation emails, renewal reminders, and notices about changes to your membership or to these Terms. We send our newsletter only if you subscribe to it, and you can unsubscribe at any time with the link in every newsletter.

9. Intellectual property

The Site, its design, text, images, software and the Denaro name and logos belong to Denaro or to our licensors. We give you a personal, non-transferable, revocable permission to view and use the Site in line with these Terms. You may not use our names or logos without our written permission.

If you send us ideas or feedback, we may use them freely, without any obligation to you.

10. Third-party websites

The Site links to websites we do not control, such as employers, insurers, partners and Stripe. Their own terms and privacy policies apply there, and we are not responsible for their content or services.

11. Changes to the Services and to these Terms

Changes to Services. We may improve or update the Services. If a change significantly reduces what an activated Service offers you, we tell you at least 30 days in advance, unless the law or a partner requires a faster change. You can then cancel that Service and receive a refund for the unused part of the year you paid for. If we stop offering a Service, we refund the unused part of the year, or everything you paid for it if it was still pending.

Changes to these Terms. We may update these Terms, for example to reflect new Services, partners or legal requirements. We publish the new version on the Site with a new date. If a change is significant, we email members at least 30 days before it takes effect. If you do not agree, you can cancel before that date and receive a refund for the unused part of the year of your activated Services, plus a full refund for pending Services.

12. Suspension and termination

We may suspend or end your membership if you seriously breach these Terms, give false information, commit or attempt fraud, or if the law requires us to. We tell you why, unless the law prevents us.

If we end your membership for a reason that is not your fault, we refund pending Services in full and the unused part of the year for activated Services.
If we end it because you seriously breached these Terms, we refund pending Services in full. For activated Services we do not refund the rest of the current year, unless the law requires it.

Sections 9, 13, 14, 15 and 16 continue to apply after your membership ends.

13. Disclaimers

We work to keep the Site accurate, available and secure. To the extent the law allows, the Site and its general information are provided "as is" and "as available", without warranties beyond those set out in these Terms. If you are a consumer, you keep the rights the law of your country gives you about services and digital content that do not match their description or are not provided with reasonable care and skill.

14. Our liability

Nothing in these Terms limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for gross negligence or willful misconduct, or for any other liability that the law does not allow us to limit or exclude. Your statutory rights as a consumer are not affected.
If we fail to comply with these Terms, we are responsible for loss you suffer that is a foreseeable result of our breach or of our negligence. We are not responsible for loss that was not foreseeable when you bought your membership.
We are not responsible for decisions of governments, consulates or other authorities, or for services provided by partners, which are responsible for them under their own terms.
To the extent the law allows, our total liability to you under these Terms is limited to the amount you paid us in the 12 months before the event that gave rise to the claim.

15. Governing law and disputes

If you have a problem, please write to us first at support@usedenaro.com. We will try to resolve it within 30 days.

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of law rules. If you are a consumer, you also keep the protection of the mandatory rules of the law of the country where you live.

If you are a consumer living in the European Union, the European Economic Area or the United Kingdom, you can bring proceedings in the courts of the place where you live, and we can bring proceedings against you only in those courts. The same applies to consumers in other countries whose law gives them that right. In all other cases, the state and federal courts located in Delaware have exclusive jurisdiction.

16. General

Entire agreement. These Terms and the policies they refer to are the whole agreement between you and Denaro about the Site and your membership. Partner terms are separate agreements between you and each partner.
Transfer. We may transfer our rights and obligations under these Terms to a company that takes over our business or the relevant Service. We will tell you, and if you are unhappy with the transfer you can cancel and receive a refund for the unused part of the year of your activated Services and a full refund for pending Services. You may not transfer your rights or obligations.
Events outside our control. We are not responsible for delays or failures caused by events outside our reasonable control. If such an event affects your Services, we tell you and do what we reasonably can to limit the effects.
Severability. If a court finds part of these Terms invalid, the rest stays in force.
No waiver. If we do not enforce a right immediately, we can still enforce it later.
Language. These Terms are written in English. If we provide a translation and there is a conflict, the English version applies, unless the law of your country requires otherwise.
Notices. We send notices to the email address you used at checkout. You can send notices to support@usedenaro.com or to our postal address below.

17. Contact

Denaro Technologies Inc.
2810 N Church St STE 88593
Wilmington, DE 19802
United States

Support and billing: support@usedenaro.com
Privacy: privacy@usedenaro.com