Terms of Service · Atlas Labs

1. In brief

These terms are the contract between you and Atlas Labs. The full text below is binding; this section orients you to what follows.

What we are. Atlas Labs is a software provider — a bookkeeping and reporting tool for crypto and traditional financial assets. We are not a bank, broker, custodian, exchange, or licensed financial adviser.
What we are not.We do not hold your cryptocurrency. We do not execute trades. We do not provide investment, tax, or legal advice. We do not guarantee that outputs (cost basis, tax forms, gain/loss reports) match what your jurisdiction's authority will accept; you are responsible for filing.
What you owe. Honest information about yourself, lawful use of the service, and any fees on your billing plan.
What we owe. The service as described, the security measures we publish, and the consumer-rights protections in your jurisdiction.
If something goes wrong. Section 22 sets out how to raise it; section 23 confirms that nothing in these terms removes your statutory consumer rights.

2. Definitions

The following terms have the meanings given when used in capitalised form throughout this document.

"Atlas Labs", "we", "us", "our" means Atlas Labs Pte. Ltd., a company incorporated in Singapore, operating the website hq-fs.com and its applications.
"Service" means the websites, applications, APIs, and supporting infrastructure provided by Atlas Labs at the domains listed in section 5.
"Account" means an Atlas Labs user account created through the registration flow.
"Connected Service" means a third-party blockchain network, centralised exchange, bank, or other financial provider that you authorise Atlas Labs to read data from on your behalf.
"Crypto-Asset" means any fungible or non-fungible digital token recorded on a public blockchain, including those that may also be classified as financial instruments, securities, electronic money tokens, or asset-referenced tokens under any applicable law.
"Consumer"means a natural person acting outside their trade, business, craft, or profession, where the law of the consumer's habitual residence recognises the term.
"You", "your", "User" means the person or entity entering into these terms with us.

3. Acceptance and eligibility

By creating an Account, accessing the Service, or clicking a button or checkbox indicating acceptance, you agree to these terms. If you do not agree, do not use the Service.

You may use the Service only if all of the following are true:

You are at least 18 years old (or the age of contractual majority in your jurisdiction, whichever is greater).
You have the legal capacity to enter into a binding contract.
You are not a person ordinarily resident in, located in, or organised under the laws of a country or territory subject to comprehensive sanctions administered by the United Nations Security Council, the United States Office of Foreign Assets Control, the European Union, the United Kingdom Office of Financial Sanctions Implementation, or the Monetary Authority of Singapore (see section 4).
You are not listed on any sanctions or restricted-party list maintained by any of the authorities named in section 4.
You will use the Service only for purposes that are lawful in your jurisdiction and the jurisdiction in which you use the Service.
If you are creating an Account on behalf of an organisation, you are authorised by that organisation to enter into these terms on its behalf.

We may, at any time and without prior notice, refuse, suspend, or terminate access where we have reasonable grounds to believe any of these eligibility conditions is not (or no longer is) satisfied.

4. Sanctions and prohibited jurisdictions

The Service is not made available to persons or entities identified on the sanctions and restricted-party lists maintained by the United Nations Security Council, the United States Department of the Treasury Office of Foreign Assets Control (OFAC), the European Union (EU consolidated list), the United Kingdom Office of Financial Sanctions Implementation (OFSI), the Monetary Authority of Singapore (Targeted Financial Sanctions), and the Hong Kong United Nations Sanctions Ordinance regime. The Service is also not made available to persons ordinarily resident in or located in any jurisdiction comprehensively sanctioned by those authorities, which presently includes Cuba, Iran, North Korea, Syria, the Crimea region of Ukraine, the so-called Donetsk People's Republic, the so-called Luhansk People's Republic, and any further jurisdictions added to the comprehensive-sanctions list by any of those authorities from time to time.

You represent and warrant on each access of the Service that none of the eligibility conditions in section 3 has changed since your last access. If your status under any of those regimes changes, you must immediately stop using the Service and notify us.

We reserve the right to screen Accounts against the applicable lists and to suspend or terminate Accounts that produce a match, without that constituting an admission that you are in fact subject to any sanction.

5. The service — what Atlas Labs provides

Atlas Labs operates a software-as-a-service platform comprising five applications:

Atlas Ledger — a double-entry bookkeeping application that ingests transaction history from Connected Services, classifies events, computes lot-level cost basis, and produces tax-pack outputs.
Atlas Docs — a documentation platform with an agent API surface.
Atlas Auth — the authentication service that issues your session cookies.
Atlas Admin — the staff-only administration panel.
Marketing site — the public website at hq-fs.com.

Functionality is described on the marketing site and in the public documentation. We may add, remove, or change features over time; material changes are notified per section 20. Outputs (reports, exports, computed values) are provided "as is"; the disclaimer in section 16 applies.

6. What Atlas Labs is not

The discipline below is binding on us regardless of how a feature is described elsewhere.

Atlas Labs is not a custodian. We do not hold private keys, control wallets, or take possession of Crypto-Assets. The wallet model is read-only — the Service ingests public blockchain data and reads-only API credentials you supply for centralised exchanges.
Atlas Labs is not an exchange or trading venue. We do not match orders, execute trades, quote prices for the purpose of execution, or facilitate the transfer of Crypto-Assets between counterparties.
Atlas Labs is not a payment institution or e-money issuer. We do not transmit fiat or Crypto-Assets on behalf of users.
Atlas Labs is not a virtual-asset service provider (VASP) under the Singapore Payment Services Act 2019, the EU Markets in Crypto-Assets Regulation (MiCA, Regulation (EU) 2023/1114), the UK Money Laundering Regulations 2017 (as amended), or equivalent regimes. We are software for personal record- keeping. Where regulators reach a different conclusion regarding any feature, we will adapt the feature, the terms, or the availability accordingly.
Atlas Labs is not a regulated financial adviser. See section 15.

7. Your account and credentials

You are responsible for the accuracy of the information you register with and for maintaining the confidentiality of your password, two-factor authenticator, recovery codes, and any platform PIN you set. You must not share Account credentials with any other person or permit any other person to access your Account except as permitted by an Atlas Labs feature (e.g. workspace membership, advisor invitation).

You must notify us immediately at security@hq-fs.com of any unauthorised access to or use of your Account. You are responsible for activity carried out under your Account until you have notified us, except where the unauthorised access resulted from a defect in the Service.

We may require you to verify your email address, set a platform PIN before specific high-sensitivity actions (such as revealing a stored taxpayer identifier), and re-authenticate periodically.

8. Connected wallets, exchanges, and banks

When you authorise Atlas Labs to read data from a Connected Service, you confirm that you have the right to do so under the terms of that service, and you instruct us to perform read operations using the credentials you supply.

Atlas Labs does not control Connected Services. We do not guarantee their availability, the completeness of the data they expose, or the absence of changes in their APIs. We do not undertake to detect or warn you about every change in the third party's terms or risk profile. If a Connected Service revokes the credentials you supplied, the relevant ingest stops and the Service may show stale data until you reconnect.

You are responsible for paying any fees imposed by Connected Services. Atlas Labs receives no part of those fees.

For self-custodial wallets, the Service relies on a one-time signature you produce with your wallet to prove ownership. We do not handle, request, store, or have access to your private keys. We cannot recover funds, reverse transactions, or sign on your behalf.

9. Fees, billing, and renewal

Atlas Labs uses a modular pricing model: a free base tier, and add-on modules and one-off purchases described on the pricing page. Fees, the events that trigger them, the currency in which they are charged, and any taxes or jurisdiction-specific charges are stated on the pricing page or in your billing record at the time of purchase.

Where a paid feature is offered as a recurring subscription, we describe the renewal schedule and the cancellation mechanism on the purchase surface and confirm them in the receipt. Where applicable law (including the California Auto-Renewal Law, the EU Consumer Rights Directive, and the Singapore Consumer Protection (Fair Trading) Act) requires specific disclosures or affirmative consents, those are made on the purchase surface and through your initial payment authorisation.

We process payments through third-party payment service providers identified on the purchase surface (currently Stripe). Their terms apply between you and them; we do not receive or store full payment-card numbers.

You are responsible for taxes other than those expressly charged by us — including any sales, value-added, services, or withholding taxes that apply to your purchase under the law of your habitual residence or the place of supply.

10. Cancellation and refunds

You may cancel a paid subscription at any time through your Account. Cancellation takes effect at the end of the then- current billing period; we do not pro-rate mid-period cancellations except where required by applicable consumer law.

Right of withdrawal — EU and UK consumers. If you are a Consumer ordinarily resident in the European Economic Area or the United Kingdom, you have a 14-day right of withdrawal under Directive 2011/83/EU (or the UK Consumer Contracts Regulations 2013, as the case may be). We provide our digital services during the withdrawal period only with your express consent and your acknowledgement that you lose the right of withdrawal once performance begins. Where you have so consented and performance has begun, the right of withdrawal does not apply. Where you have not, you may withdraw within 14 days of the conclusion of the contract by emailing billing@hq-fs.com with the words "withdrawal", the order reference, and the date of order.

Australian Consumer Law. The consumer guarantees in Schedule 2 of the Competition and Consumer Act 2010 (Cth) cannot be excluded; nothing in these terms limits any non-excludable remedy under the Australian Consumer Law.

Other jurisdictions. Where local law confers a non-waivable right of refund, return, or termination on a Consumer that is more favourable than this section, that local right prevails over the language of this section.

Refunds outside the cases above are at our discretion and are typically issued only for service defects we acknowledge.

11. Acceptable use

You agree not to do, or attempt to do, any of the following when using the Service:

Use the Service for any unlawful purpose or in a manner that violates any applicable law (including sanctions, tax, securities, anti-money-laundering, anti-corruption, consumer-protection, and data-protection laws).
Submit data that does not belong to you or that you do not have the right to submit.
Reverse engineer, decompile, disassemble, or attempt to derive source code or underlying ideas from the Service, except to the extent expressly permitted by applicable law.
Probe, scan, or test the vulnerability of the Service or related systems otherwise than under the coordinated- disclosure programme described at /security-policy.
Interfere with the Service's availability, including through denial-of-service, automated load testing, or excessive request rates beyond posted rate limits.
Use the Service to launder proceeds of crime, evade sanctions, finance terrorism, or facilitate any other financial crime.
Misrepresent your identity, jurisdiction, age, or authority.
Bypass authentication, authorisation, or rate-limit controls.
Use the Service to scrape or aggregate data for resale without our written agreement.
Submit content that is illegal in your jurisdiction or ours, including content that infringes intellectual- property rights, defames any person, contains malicious code, or constitutes child sexual abuse material.

12. Your content and licence

The data you import or enter into the Service — transactions, lots, notes, document content, portfolio metadata — remains yours. You retain all intellectual- property rights in it.

You grant Atlas Labs a worldwide, non-exclusive, royalty-free licence to host, store, copy, transmit, display, modify (for format and presentation), and create derivative works of your content for the limited purposes of (a) providing the Service to you, (b) backing up the Service for disaster recovery, (c) producing aggregated, fully de-identified analytics that cannot be linked to you or any individual, and (d) complying with legal obligations.

The licence ends when you delete the content from the Service or terminate your Account, except (i) for backup copies retained for disaster-recovery rotation up to 30 days, (ii) for de-identified aggregates that have already been computed, and (iii) where retention is required by law.

We will not use your content to train artificial- intelligence models — yours or anyone else's — without your explicit, separate, freely-revocable consent.

13. Atlas Labs intellectual property

The Service, including its software, design, brand identifiers, and content authored by Atlas Labs, is protected by copyright, trade-mark, and other intellectual- property laws. Subject to your compliance with these terms, we grant you a personal, non-exclusive, non-sublicensable, non-transferable, revocable licence to access and use the Service for the purposes for which it is offered.

The licence does not transfer any intellectual-property right; it does not entitle you to use Atlas Labs trade marks except as required to identify the Service in ordinary speech, and it terminates automatically when these terms terminate.

14. Crypto-asset risk disclosure

Crypto-Assets carry risk. The risks below are not exhaustive; they are stated to ensure you have the information a reasonable person in your position would want before using the Service.

Volatility. Crypto-Asset prices are highly volatile. Values shown by the Service reflect third-party price feeds and may not match the price you can achieve in any actual transaction.
Irreversibility. Blockchain transactions are typically irreversible. Atlas Labs cannot reverse a transaction, recover lost private keys, or compel a counterparty to return funds.
Regulatory uncertainty. The legal status of Crypto-Assets and of services associated with them varies by jurisdiction and is subject to change. A feature, asset, or counterparty available through the Service today may become restricted or prohibited tomorrow.
Counterparty risk. Connected centralised exchanges, banks, and other custodians may fail, freeze withdrawals, become insolvent, or become subject to enforcement action. Atlas Labs cannot ensure the solvency, integrity, or continued operation of any Connected Service.
Smart-contract risk. DeFi protocols may contain bugs, be exploited, or behave unexpectedly. The Service represents on-chain events as they appear; it does not guarantee the protocol behaved as documented.
Scam tokens and phishing airdrops. Public blockchains permit anyone to send a token or NFT to any address. The Service flags many of these but cannot detect every scam. You remain responsible for evaluating the legitimacy of inbound transfers.
Tax exposure. The tax treatment of Crypto-Asset events varies by jurisdiction and over time. You are responsible for understanding and complying with the law that applies to you.

15. No investment, tax, or legal advice

The Service produces calculations, reports, and outputs based on the data you and the Connected Services supply. These outputs are not investment advice, tax advice, accounting advice, legal advice, or a recommendation, opinion, or solicitation regarding any Crypto-Asset, security, product, or transaction.

Outputs from the Service are designed to be useful to a competent professional (your accountant, tax adviser, or lawyer) who is qualified to review them in the context of your circumstances. They are not a substitute for that review. Atlas Labs is not authorised to provide regulated financial advice in any jurisdiction.

Where a tax-pack export is generated, it is labelled "draft — not for filing" until the relevant jurisdictional rules have been reviewed by a qualified tax practitioner under the engagement described at our blog. The watermark is the gating signal: the export is usable for planning only.

16. Disclaimer of warranties

Except as expressly stated in these terms or required by applicable law, the Service is provided "as is" and "as available", without warranty of any kind, express or implied. Atlas Labs specifically disclaims, to the maximum extent permitted by law, all implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and fitness for any tax-filing or regulatory-reporting purpose.

We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components, that defects will be corrected, or that any output will match what your jurisdiction's authorities require.

Nothing in this section limits any non-excludable warranty or guarantee under applicable consumer law (see section 23).

17. Limitation of liability

To the maximum extent permitted by law, Atlas Labs and its officers, directors, employees, and agents are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, loss of revenue, loss of data, loss of goodwill, business interruption, or substitute-service costs, arising out of or in connection with these terms or the use of (or inability to use) the Service, whether the claim is brought in contract, tort (including negligence), strict liability, or any other theory, even if Atlas Labs has been advised of the possibility of those damages.

To the maximum extent permitted by law, our aggregate liability for all claims arising out of or in connection with these terms and the Service is limited to the greater of (a) the amounts you paid Atlas Labs for the Service in the 12 months preceding the event giving rise to the claim, and (b) one hundred Singapore dollars (SGD 100).

Carve-outs. Nothing in this section excludes or limits liability for: (i) death or personal injury caused by negligence; (ii) fraud or fraudulent misrepresentation; (iii) any liability that cannot be excluded or limited under applicable law (including the Australian Consumer Law, the UK Consumer Rights Act 2015, and analogous protections); or (iv) wilful misconduct.

18. Indemnification

You agree to defend, indemnify, and hold harmless Atlas Labs and its officers, directors, employees, and agents from and against any claim, demand, loss, liability, cost, or expense (including reasonable legal fees) arising out of or in connection with: (a) your breach of these terms, (b) your violation of any law or right of any third party in connection with your use of the Service, (c) your content, and (d) any tax, sanctions, or AML enforcement against you arising from facts that pre-existed your use of the Service.

We will give you prompt written notice of any claim, allow you to control the defence (with counsel reasonably acceptable to us), and provide reasonable cooperation. We reserve the right to assume the exclusive defence of any matter at our expense; in that case, you must cooperate with us in asserting any available defences.

This section does not apply to Consumers to the extent that local consumer-protection law precludes a consumer indemnity.

19. Suspension and termination

We may suspend or terminate your access to the Service, with or without notice, where we have reasonable grounds to believe that:

You have breached these terms;
Your continued use poses a security, legal, or operational risk to Atlas Labs, other users, or third parties;
A regulator, court, or law-enforcement authority has directed us to do so;
The eligibility conditions in section 3 are no longer satisfied; or
The relevant Connected Service has revoked the credentials you supplied and we cannot maintain a meaningful service without them.

You may terminate your Account at any time by deleting it through your Account settings, or by emailing privacy@hq-fs.com.

On termination, the licence granted in section 13 ends, you must stop using the Service, and we will delete your personal data subject to the retention exceptions in our Privacy Notice. Sections 12 (so far as it concerns content already used under licence), 13, 16, 17, 18, 21, 22, and 25 survive termination.

20. Changes to these terms

We may amend these terms over time. The Last updateddate and version number at the top of the page mark the latest version. For changes that materially decrease your rights or materially increase your obligations, we will give you at least 30 days' advance notice by email or in-product banner before the change takes effect, and where required by law we will obtain your affirmative consent.

If you do not agree to a change, you may terminate your Account before the change takes effect; continuing to use the Service after the effective date constitutes your acceptance.

21. Governing law and jurisdiction

These terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of Singapore, without regard to its conflict-of-laws rules.

The choice of Singapore law does not deprive a Consumer of the protection of mandatory provisions of the law of the country in which the Consumer is habitually resident, where that law confers more favourable protection on the Consumer.

22. Dispute resolution

Step 1 — direct. Before escalating, please email legal@hq-fs.com with a description of the dispute, the resolution you seek, and any supporting documents. We will respond within 14 days. Most disputes are resolved at this step.

Step 2 — mediation (optional). If the direct step does not resolve the dispute within 30 days, either party may propose mediation administered by the Singapore International Mediation Centre under its prevailing rules. Mediation is non-binding and does not prevent either party from initiating arbitration.

Step 3 — arbitration. Any dispute, controversy, or claim arising out of or in connection with these terms (including their existence, validity, or termination) shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (SIAC) in accordance with the Arbitration Rules of SIAC for the time being in force. The seat of arbitration is Singapore. The tribunal consists of one arbitrator. The language of the arbitration is English. The award is final and binding on the parties.

Class-action waiver — to the maximum extent permitted by law. Disputes are resolved individually; there is no right to bring or participate in a class, collective, or representative action. Where local law (including in California, the EU, and the UK) permits a non-waivable collective remedy, that local right prevails over this paragraph.

Online dispute resolution — EU consumers. EU Consumers may use the European Commission's online dispute resolution platform at ec.europa.eu/consumers/odr. We are not obliged to participate in ODR proceedings but may agree to do so on a case-by-case basis.

23. Consumer-rights overrides

Nothing in these terms removes, restricts, or modifies any non-waivable right or remedy available to you under consumer-protection law in your jurisdiction of habitual residence. Where any provision of these terms is inconsistent with such a right, that right prevails to the extent of the inconsistency, and the rest of these terms continues in force.

The protections specifically preserved include: the consumer guarantees under the Australian Consumer Law; the statutory rights of UK Consumers under the Consumer Rights Act 2015 and the Consumer Contracts Regulations 2013; the EU Consumer Rights Directive 2011/83/EU and the Unfair Contract Terms Directive 93/13/EEC as transposed in your member state; the California Auto-Renewal Law and CCPA / CPRA; the Singapore Consumer Protection (Fair Trading) Act; and any analogous mandatory provisions in any other jurisdiction in which the Service is made available.

24. Force majeure

Atlas Labs is not liable for any failure or delay in performance to the extent caused by an event beyond our reasonable control, including (without limitation): acts of God, natural disasters, pandemics, war, terrorism, civil disturbance, government action (including sanctions and new regulation), labour disputes, internet outages, utility failures, blockchain network outages or hard-forks, and major cybersecurity incidents affecting third parties on which we depend. We will use reasonable efforts to mitigate the effect of any such event and to resume performance as soon as practicable.

25. Miscellaneous

Entire agreement. These terms, together with the documents they reference (the Privacy Notice, the Security Policy, and any product- or feature-specific terms you accept), are the entire agreement between you and Atlas Labs and supersede all prior or contemporaneous agreements regarding the Service.

Assignment. You may not assign or transfer these terms or your rights under them without our prior written consent. We may assign these terms to an affiliate or to a successor in connection with a merger, acquisition, or sale of substantially all of our assets, on notice to you.

Severability. If any provision of these terms is held unenforceable, the rest remain in force.

No waiver. Our failure to enforce a provision is not a waiver of our right to do so later.

Notices. We give notice through the Service or by email to your registered address. You give notice by email to legal@hq-fs.com unless these terms state otherwise.

No third-party beneficiaries. Other than Atlas Labs affiliates, no person who is not a party to these terms has rights to enforce any of them.

Headings. Section headings are for convenience and do not affect interpretation.

Language. The English text is the binding version. Translations are provided for convenience.

26. Contact

For questions about these terms, contact legal@hq-fs.com. For privacy questions, contact privacy@hq-fs.com. For security reports, contact security@hq-fs.com following the protocol at /security-policy.