API for AI Agents Payments is now available. Learn more
Last Update 20.02.2026
Holyheld is operated by Holyheld Digital Limited, registered in Bulgaria under 204937129 with its office at address at Sofia, 33 Simeonovsko Shose Blvd., fl. 1, Bulgaria, provides crypto-asset services as a virtual asset service provider in Bulgaria based on the transitional regime under §. 3, para. 1 of the Final and Transitory Provisions of the Bulgarian Markets in Crypto-Assets Act (ZPZKA) and currently does not hold a license pursuant to Regulation (EU) 2023/1114 (“Holyheld”, “we”, “us”, or “our”) (collectively referred to as the “Parties”). Your Holyheld debit card is e-money services provided by Unlimit, company number HE 328641, registered at 125 Griva Digeni, Limassol 3101, Cyprus. Unlimit is licensed and regulated by the Central Bank of Cyprus as an Electronic Money Institution with license number 115.1.3.7.
WHEREAS, these Terms and Conditions (also referred to as “Agreement”) govern the access and use by users who are residents of, or located in the EU, of the Holyheld websites, mobile applications, products, software, and other services, including the Holyheld crypto-asset exchange platform (our “Platform”) operated by Holyheld Digital Limited, and other services we provide to you.
Before using Holyheld, we kindly ask you to read carefully and understand the following. These Terms and Conditions will govern the use of the Services provided by Holyheld. By using the Services you agree to be bound by the Terms and Conditions. If you do not agree to any of the Terms and Conditions, or any subsequent modification to Terms and Conditions, you will not be permitted to use the Services and your Account with us will be closed. These Terms and Conditions will come into effect when you confirm electronically that you agree to it. We recommend that you retain a copy of these Terms and Conditions and your transaction records.
By signing up to create an Account with Holyheld and use our Services, you agree that you have read and understood, and that you accept, all of the Terms and Conditions contained here, as well as our Privacy Policy, our partner terms and conditions as outlined in the Terms and Conditions and any other documents which are referenced to in these Terms and Conditions.
“Crypto-asset” refers to any digital representation of a value or a right which may be transferred and stored electronically, using distributed ledger technology or similar technology.
“Holyheld Account” means the account you open with us through the Platform which is to be operated and used by you in accordance with these Terms and Conditions for the purpose of utilising our Services.
“Smart Contract” means a computer program or protocol deployed on a distributed ledger or blockchain that automatically executes, controls, or documents legally relevant actions and transactions in accordance with predefined rules, without requiring manual intervention, once specified conditions are met.
“$holytag” means a unique, user-selected identifier assigned within the Company’s platform that enables the identification of a user and the initiation or receipt of payments or transfers, without the need to disclose personal or financial account details.
“Card” refers to a payment instrument as defined in the Directive Directive (EU) 2015/2366 (debit card) issued by the licensed payment instrument issuer partnered by us, which enables to sell the Crypto-assets using Company‘s services and to use the resulting Funds balance through the debit card infrastructure for the payments in Funds.
“Funds (or Fiat currency)” electronic money as defined in point (2) of Article 2 of Directive 2009/110/EC, i.e., traditional currency, such as EUR, US dollars or other.
“KYC” means “know your customer”, which refers to the process of verifying the identity of our clients.
“AML” means “anti-money laundering”, which refers to the laws and regulations aimed at preventing money laundering and terrorist financing.
“Services” means Crypto-assets related services that we provide via our Platform and which enable you to exchange your Crypto-asset for Funds or vice versa or to exchange Crypto-asset for other Crypto-asset, which all are performed out of our proprietary assets.
2.1. Your Holyheld Account enables you to manage, make payments, exchange, transfer or withdraw your balances of Crypto-assets or Fiat currencies by giving instructions through the Holyheld Platform in accordance with these Terms and Conditions.
2.2. You are also able to open up an electronic money account and order the card issued by our partner Unlimit. Your electronic money account is subject to separate terms and conditions by Unlimit. Access to electronic money services is only provided where Holyheld and Unlimit decide to provide and where you hold a Holyheld Account. Holyheld does not render any e-money or payment services in its own name or on Unlimit’s behalf.
3.1. Holyheld allows you to receive assets whether in Crypto-assets or in Fiat currencies; exchange crypto-assets for Fiat currency as supported by Holyheld; make deposits, withdrawals, transfers or payments to third parties using Holyheld Account or external electronic money account or card services utilized by applicable e-money service provider.
When using the Services, you are buying Crypto-assets from, selling Crypto-assets to, or swapping Crypto-assets with Holyheld directly. Holyheld does not act as an intermediary or marketplace between buyers and sellers of Crypto-asset.
3.2. Holyheld does not provide any custodial services, nor creates Crypto-asset wallets in order to hold any Crypto-assets on your behalf. To execute a transaction you agree to connect your pre-existing Crypto-asset wallet holding your Crypto-assets to the Holyheld Platform. You agree to interact with Holyheld Smart Contract, which will recognize the Crypto-assets and will perform a KYC and AML verification via third-party providers, before initiating the Services on your behalf.
3.3. You will be able to create your own wallet address via Holyheld directly in the blockchain if so desired and in order to interact with decentralised applications and receive Crypto-assets. This wallet is not your Holyheld Account. Please note that you are the sole owner and responsible for any assets any activities carried out using the wallet, as well as for securing and backing up the credentials that may grant you access to it as described below.
3.4. We will give you access to an external personal handle that can be used to identify you as a Holyheld user in our Platform. As a user you can receive Crypto-asset transfers from other users, and after you confirm the incoming requested transaction and we execute our mandatory AML verifications, receive said transfer directly.
3.5. Using the Fiat currency account and Card service provided by Unlimit, you can also exchange your Crypto-assets and initiate a bank transfer to send Funds from your personal IBAN directly to other bank accounts. You are also given the opportunity to connect your wallet to third-party smart contracts to interact with your Crypto-assets, by simply using the Holyheld Platform.
4.1. By using our Platform, you confirm that you are at least 18 years old and legally able to enter into legally binding agreements, including these Terms and Conditions.
4.2. In order to use the Platform you must register for a Holyheld Account with us. You must provide truthful, accurate and complete information during registration or at any time after. You are responsible for maintaining the confidentiality of your Account credentials, and you agree to notify us immediately of any unauthorized use of your Account.
4.3. You must comply with AML obligations in order to open a Holyheld Account.. This will require you, as part of the registration process, to provide personal details and supporting documents (including your full name, residential address and postcode, mobile number, email address, date of birth, and certain forms of identification), and other evidence and documentation we may ask you to provide, so that we may verify your identity. We will process this information in accordance with our Privacy Policy.
4.4. We reserve the right to require you to provide us with additional information in order to verify your identity and/or require you to undergo a background check prior to being authorised to use Holyheld’s Services, or at any point thereafter, in accordance with applicable laws and regulations.
4.5. You acknowledge and agree that we may make any inquiries that we consider necessary, either directly or through third parties, concerning your identity including, without limitation, requiring you to take steps to confirm ownership of your email address, verifying information against third party databases or through other sources.
4.6. These inquiries and verification may involve the sharing of certain aspects of your information with third parties for the limited purpose of completing these inquiries and verification.
Failure to provide any information that Holyheld reasonably requests from you may be grounds for suspending the provision of Services to you (including access to your Account) and/or terminating this Agreement. The nature and extent of the information you are required to provide may differ, for example, based on the Services provided to you under this Agreement and/or the means of payment you use. Once the registration process is completed, you will be able to utilize our Services. We ensure that the provision of our Services to any extent is based on fair and equal basis, without any discriminatory grounds as outlined in our description of Non-Discriminatory Commercial Policy.
4.7. By opening an Account you represent and warrant to us that your opening of an Account does not violate any laws or regulations applicable to you. By using our Services, you agree and represent that you will use the Services only for yourself, and not on behalf of any third party.
4.8. You are fully responsible for all activity that occurs under your Account. We may, in our sole discretion, refuse to open an Account for you, limit the number of Accounts that you may hold, or suspend or terminate any Account, and we are not required to provide you with the reasons for taking any such action.
5.1. By registering in our Platform, you will be given the possibility to choose and register a $holytag Name of your choice to identify your Account. Your $holytag Name will be unique and exclusive to you and your Account with us. You can choose any $holytag Name which has not been previously registered in our Platform, as long as the same does not contain any words considered to be immoral, scandalous, shocking, indecent, discriminatory, disgraceful, offensive, disreputable, violent or offensive to the conscience or moral feelings, or of any political or religious contents, in any language.
5.2. We reserve the right to refuse the registration of any $holytag Name, and allocate a $holytag Name of our choice. You will have the right to at any time change the $holytag Name for any of your choice.
6.1. In order to use your Holyheld Account you will need to verify the ownership of your Crypto-asset wallet address via EDSCA signature.
6.2. You will also be required to set up two-factor authentication (“2FA”).
6.3. You are the only person permitted to access your Holyheld Account using your Login Credentials and other required forms of authentication.
6.4. You agree and understand that you are solely responsible (and you will not hold us responsible) for managing, monitoring, and maintaining the security of your login credentials and any other required forms of authentication, including your API keys. You further agree and understand that we are not responsible (and you will not hold us responsible) for any unauthorised access to or use of your Holyheld Account.
6.5. If you suspect that your Holyheld Account or any of your security details have been compromised or if you become aware of any fraud or attempted fraud or any other security incident (including a cyber-security attack) affecting you and/or Holyheld, you must notify Holyheld Support as soon as possible using the Holyheld mobile application or website.
7.1. You may optionally create a wallet address in the blockchain via the Holyheld app in order to interact with Holyheld or any other decentralized apps or protocols.
7.2. This wallet address shall not be confused with your Holyheld Account.You may use other wallet addresses to create or access your Holyheld Account.
7.3. You shall be the sole owner and responsible for any assets or activity regarding the wallet.
7.4. You are the sole responsible for taking the necessary measures to secure, protect and backup the access credentials and your wallet properly, including securely storing any passwords or secret recovery phrases. You acknowledge that certain methods of storing your secret recovery phrase, such as saving it as a digital file on your personal device or in cloud storage, may increase the risk of your wallet or phrase being compromised. You agree not to share any passwords or secret recovery phrases associated with your wallet with us or any third party. Holyheld will not be held liable if you choose to share such information, whether intentionally or unintentionally. Holyheld assumes no responsibility for any theft of a secret recovery phrase resulting from unauthorized access to your personal device or cloud storage.
7.5. In no event shall Holyheld, any of its affiliates, officers, shareholders and employees have any responsibility or liability arising out or related to the use of the wallet for any lost of access, profits, revenues, goodwill, direct or incidental, including but not limited to business interruption, malfunction, unauthorized access to the wallet.
8.1. We will process Crypto-asset orders in accordance with the instructions we receive from you. You should verify all transaction information prior to submitting instructions to us. We do not guarantee the identity of any user, receiver, requester, or other third-party and we will have no liability or responsibility for ensuring that the information you provide is accurate and complete.You cannot cancel, reverse, or change any transaction marked as complete or pending.
At no point during the purchase, sale or swap will Holyheld be in possession or in control of your Funds or Crypto-assets.
8.2. When you or a third party sends the Crypto-asset to a Holyheld Account from an external Crypto-asset wallet not hosted on the Platform, the person initiating the transaction is solely responsible for executing the transaction properly.
8.3. All orders of Crypto-assets on our Platform are final and irreversible. We are not responsible for any losses incurred due to incorrect or unauthorized order.
8.4. We may refuse to process or cancel any pending Crypto-asset order as required by law, regulation, or any court or other authority to which Holyheld is subject in any jurisdiction, if there is suspicion of money laundering, terrorist financing, fraud, or any other financial crime.
8.5. The use of our Services may be subject to limits on the volume on any Fiat currency or Crypto-asset that you may engage in a given period. Order limits may vary depending on your payment method, verification steps you have completed, and other factors. We reserve the right to change applicable limits, as we deem necessary.
8.6. USDC is the only Crypto-asset supported by Holyheld for the Crypto-asset exchange service. Other Crypto-assets might be used in the Holyheld Platform through third party smart contract integrations. Holyheld reserves the right to at any time terminate support for a specific Crypto-asset.
8.7. During the utilization of the Services Holyheld is not the recipient of any ownership or custodial rights of any Crypto-assets. You remain the sole owner of your Crypto-assets at all times in your own Crypto-asset wallet.
8.8. You acknowledge that the value of the Crypto-asset may vary. You agree to accept the rate when you authorise theCrypto-asset order. You will be able to purchase, sell, and swap Crypto-assets from and to us, through our website and the Platform subject to any applicable fees and limits displayed during the purchase and sale flow. The price, exchange rate and amount of the Crypto-asset that you wish to purchase, sell, or swap will be confirmed to the best of our ability at the time that you place an Order. You acknowledge that you are aware that the price shown upon placement of the Crypto-asset order until it is final is valid within the respective validity window as outlined in our description of the Crypto-Asset Pricing Methodology.
8.9. You can purchase supported Crypto-assets using Fiat currencies via Holyheld. You specifically authorise Holyheld to exchange Crypto-assets once the purchase order is placed and the funds are received by holyheld through our third-party service provider. You must confirm the exchange rate and quote provided by Holyheld in the Holyheld application and sign the transaction confirmation with your wallet.
8.10. Holyheld will process the exchange of Crypto-asset transactions according to your instructions. You are the sole responsible for executing the transaction correctly, which may include paying fees to complete the transaction.
8.11. By clicking “Buy crypto” or “Sell crypto” in the Holyheld app or Platform, you authorize Holyheld to initiate the Crypto-asset order at the quoted buy or sell price, including associated fees.
8.12. Transactions marked as complete or pending cannot be canceled, reversed, or changed.
8.13. The use of our Crypto-asset exchange services may be subject to limits on the volume of Fiat currency or Crypto-assets you can transact within a given period.
8.14. Your order limits may vary based on your payment method, completed verification steps, and other factors. We reserve the right to change applicable limits as necessary.
8.15. Holyheld may refuse to process or cancel any pending Crypto-asset order as required by law, regulation, or any authority in any jurisdiction if there is suspicion of money laundering, terrorist financing, fraud, or other financial crimes.
8.16. Acceptance of an order does not guarantee that you will receive the corresponding amount of Crypto-asset or Fiat currency. The Crypto-asset order is conditional upon actual receipt by us of the Funds from you or the Crypto-asset from your wallet, as well as payment of any applicable fees.
8.17. Subject to clause 8.16 and the order being honored by your bank, card provider or other relevant party, Crypto-asset purchases will be credited to the Crypto-asset wallet provided by you at the time of the order as soon as possible once the Crypto-asset purchase has been confirmed by the Crypto-asset network. Holyheld will send you purchased Crypto-assets on the relevant blockchain. Once submitted to a Crypto-asset network, a Crypto-asset purchase will be unconfirmed for a period of time pending sufficient confirmation of the order by the Crypto-asset network and your wallet provider. Crypto-asset orders that are in a pending state will not be credited to your Account until confirmed.
8.18. Subject to clauses 8.16, 8.19, Crypto-asset sales shall be processed upon receipt of the Crypto-asset from you after you have confirmed the order. Once submitted to a Crypto-asset network, a Crypto-asset sale will be unconfirmed for a period of time pending sufficient confirmation of the order by the Crypto-asset network. Once the Crypto-asset sale is confirmed, Fiat currency will be credited to your account or other relevant party.
Transmission delays
8.19. Holyheld will use good faith efforts to fulfill orders at the time that you place such orders. However, from time to time, it may be necessary for us to delay fulfillment of an order until such time as we are able to process the order. In such cases, we will notify you prior to the completion of your order both:
8.20. Holyheld does not have any control over transaction times for a Crypto-asset network and there may be instances where transaction times may take longer than usual. As such, you accept the risk that an order facilitated by us may be delayed and you confirm that you will not hold Holyheld responsible for any losses, damages or injury arising out of or related to such delay that are outside of Holyheld control.
9.1. You agree not to use our Platform for any illegal, fraudulent, or unauthorized activities. You also agree not to engage in any activities that could damage, disable, overburden, or impair our Platform or interfere with other users' use of our service.
9.2. The Holyheld Platform is not provided to, and may not be used in any jurisdiction where the provision or use thereof would violate applicable laws and regulations.
9.3. If you reside in any jurisdiction where the use of the Platform would violate any of the laws or regulations of the jurisdiction in which you reside, you agree to refrain from using the Platform in any manner that would violate any of the laws and regulations of your jurisdiction.
10.1. By acknowledging these Terms and Conditions, you understand that Crypto-asset related operations involve a high level of financial and security risk. Crypto-assets may experience frequent price volatility. Legislative and regulatory changes or actions may adversely affect the use, transfer, exchange, and value of Crypto-assets;
10.2. You understand that:
10.3. You agree and understand that you are solely responsible for determining the nature, potential value, suitability, and appropriateness of these risks for yourself, and that Holyheld does not give advice or recommendations regarding Crypto-assets, including the suitability and appropriateness of, and investment strategies for, Crypto-assets. You agree and understand that you access and use the Holyheld Platform at your own risk; however, this brief statement does not disclose all of the risks associated with Crypto-assets and using the Holyheld Platform.
10.4. You should therefore carefully consider whether such use is suitable for you in light of your circumstances and financial resources. You should be aware that you may sustain a total loss of relevant funds, and that under certain market conditions, you may find it difficult or impossible to liquidate a position.
11.1. We do not provide tax advice and you agree that you will determine any tax implications associated with your use of, and any orders you may initiate using the Platform. You should consult an accountant, lawyer, or tax authorities in your jurisdiction to determine any tax implications.
11.2. Your order history is available through your Holyheld Account. It is your sole responsibility to determine whether, and to what extent, any taxes apply to any orders you conduct through the Services, and to withhold, collect, report and remit the correct amount of tax to the appropriate tax authorities.
12.1. We grant you a limited, nonexclusive, non-transferable and non-sub licensable license to access and use the Platform solely for informational, order placement, or other approved purposes and reserve all other rights in the Platform, including without limitation, our websites, APIs, and other content. You agree you have no other rights beyond this limited license.
12.2. Subject to the foregoing, you agree you will not copy, transmit, distribute, sell, resell, license, de-compile, reverse engineer, disassemble, modify, publish, participate in the transfer or sale of, create derivative works from, perform, display, incorporate into another website, or in any other way exploit any content or other part of the Platform for any purpose. You also agree that you will not frame or display any part of the Platform without our prior written permission and that you will not use our trademarks without our permission. You further agree that you will not use any part of the content on our site for commercial purposes without obtaining a license to do so from us or our licensors.
13.1. We may charge fees for certain services on our Platform. By using our Platform, you agree to pay the Holyheld Fees. Fees can be adjusted at any time. We will send a notification of the applicable fees whether on the Holyheld Account orders.
13.2. We may charge network fees to process a Crypto-asset order. We will calculate the network fee at our discretion, although we will always notify you of the network fee at or before the time you authorise the order.
13.3. Non-payment of fees may cause your order to remain in a pending state outside of our control and we are not responsible for delays or loss incurred as a result of an error in the initiation of the order and have no obligation to assist in the remediation of such order.
Our privacy policy outlines how we collect, use, and protect your personal information. By using our platform, you agree to our Privacy Policy.
15.1. We provide our Platform on an “as is” and “as available” basis. We make no representations or warranties of any kind, express or implied, regarding the reliability, accuracy, or completeness of our Platform.
15.2. We make no representations about the accuracy, order, timeliness, or completeness of historical Crypto-asset price data available on the Platform.
15.3. We will make reasonable efforts to ensure that Crypto-asset orders, requests for debits and credits involving your Holyheld Account, bank accounts, debit cards are processed in a timely manner but we make no representations or warranties regarding the amount of time needed to complete processing which is dependent upon many factors outside of our control.
15.4. Specifically, to the fullest extent permissible under applicable law, we do not give any implied warranties of title, merchantability, fitness for a particular purpose and/or non-infringement. We do not make any promises that access to the Platform, any of the Services, or any of the materials contained therein, will be continuous, uninterrupted, timely, or error-free.
15.5. Any materials, information, view, opinion, projection, or estimate presented via the Platform is made available for informational purposes only and is subject to change without notice. You must make your own assessment of the relevance, timeliness, accuracy, adequacy, commercial value, completeness, and reliability of the materials, information, view opinion, projection, or estimate provided on the Platform.
16.1. We shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use or inability to use our Platform.
16.2. We are not liable for any damage or interruptions caused by any computer viruses or other malicious code that may affect your computer or other equipment, or any phishing, spoofing or other attack. We advise the regular use of a reputable and readily available virus screening and prevention software. You should also be aware that SMS and email services are vulnerable to spoofing and phishing attacks and should use care in reviewing messages purporting to originate from us.
16.3. You agree to indemnify us, our affiliates and service providers, and each of our, or their, respective officers, directors, agents, employees, and representatives, in respect of any costs (including attorneys' fees and any fines, fees or penalties imposed by any regulatory authority) that have been reasonably incurred in connection with any claims, demands or damages arising out of or related to your breach and/or our enforcement of these Terms and Conditions.
16.4. Where we do not own or control the underlying software protocols that govern the operation of Crypto-assets supported on our Platform, we assume no responsibility for the operation of the underlying protocols and we are not able to guarantee the functionality or security of network operations.
16.5. Where we are considering a specific claim relating to a specific order Holyheld’s liability to you in case of breach of these Terms and Conditions will be further limited to the order amount in dispute.
16.6. In addition to the liability cap above, in no event shall Holyheld, our affiliates or service providers, or any of our or their respective officers, directors, agents, employees or representatives, be liable for any of the following types of loss or damage arising under or in connection with this Agreement or otherwise:
16.7. We are not liable for any breach of the Agreement, including delays, failure in performance, or interruption of Service, where they arise directly or indirectly from abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all effects to the contrary, nor are we liable where the breach is due to the application of mandatory legal rules.
You agree that Holyheld reserves the right to suspend, terminate and deactivate your Holyheld Account or access to our Platform, including any related services (i.e., Card services provided by our partner) at any time, without notice, justification or liability, including in case of: applicable regulatory or judicial decision; pending litigation as so determined by the court or any governmental entity; in case of any illegal, fraudulent, or suspicious activity; and/or in case of any suspected misuse of the Holyheld Platform or the user credentials.
18.1. Any questions, concerns, complaints or further correspondence regarding the present Terms and Conditions shall be addressed to our email legal@holyheld.com.
18.2. For Privacy and Data Protection matters please refer to the email privacy@holyheld.com.
18.3. For KYC/AML compliance questions please contact legal@holyheld.com.
19.1. We reserve the right to modify these terms and conditions at any time and without notice. By continuing to use our platform, you agree to be bound by any changes to these terms and conditions.
19.2. We may amend these Terms and Conditions, any agreement incorporated by reference, or our fees at any time by posting the amended version on the Platform, emailing it to you, or communicating it to you through the Platform. Each amended version will be effective as of the time it is posted, and your continued use of our services after the posting of an amended version constitutes your acceptance of the amended version.
19.3. We will inform you of any upcoming amendments by e-mail and through the Platform at least 60 (sixty) days in advance. If you do not agree to be bound by the updated Terms and Conditions, your sole and exclusive remedy will be to close your Account within 60 (sixty) days of the notice date and your access or use of the Services will be permitted only to the extent necessary to immediately close your Account. You acknowledge that you may close your Account without making any trades or transactions using the Service, and that any such actions are not necessary to close your Account. Your non-termination or continued use of the Service after such 60 (sixty) days period will constitute your acceptance of the updated Terms and Conditions as of the notice date.
20.1. These Terms and Conditions are personal to you and you cannot transfer or assign your rights, licenses, interests and/or obligations to anyone else. We may transfer or assign our rights licenses, interests and / or our obligations at any time, including as part of a merger, acquisition, or other corporate reorganisation involving Holyheld, provided that this transfer or assignment does not materially impact the quality of the services you receive. Subject to the foregoing, these Terms and Conditions will bind and insure to the benefit of the parties, their successors, and permitted assigns. You reserve the right to terminate the Terms and Conditions with immediate effect in the event we transfer and/or assign the Agreement.
20.2. In case Holyheld is acquired by or merged with a third-party entity, we reserve the right, in any of these circumstances, to transfer or assign the information we have collected from you and our relationship with you (including these Terms and Conditions) as part of such merger, acquisition, sale, or other change of control.
20.3. If you are unsatisfied with the Services of ours or in case you have any concerns in relation to the Services, please contact us via web or mobile applications support section or via email support@holyheld.com. For further details on how to file a complaint, please refer to our summary of a Complaints Handling Policy.
20.4. In case we cannot handle your claim or you are not satisfied with our feedback provided, You may handle the complaint to the National Revenue Agency (NRA) and / or file the complaint with other institutions. All disputes arising from these Terms and Conditions will be aimed to be settled by the negotiations between you and us. If the disputes resulting from these Terms and Conditions could not be settled by the negotiations within one month, the dispute will be solved in the courts of the Republic of Bulgaria. Consumer residents in Bulgaria can also seek further information and advice on their rights by visiting the State Consumer Rights Protection Authority.
21.1. These Terms and Conditions, including documents and links referenced constitute the entire understanding and agreement between you and Holyheld and it supersedes any and all prior discussions, agreements, and understandings of any kind (including without limitation any prior versions of these Terms and Conditions), and every nature between and among you and Holyheld.
21.2. If any provision of these Terms and Conditions is determined to be invalid or unenforceable under any applicable law, this will not affect the validity of any other provision. If any provision is found unenforceable, the unenforceable provision will be severed, and the remaining provisions will be enforced. Our failure to insist upon your strict compliance with any term or provision of these Terms and Conditions shall not be construed as a waiver for you to not comply with such term or provision.
21.3. All provisions of these Terms and Conditions that by their nature extend beyond the expiration or termination of these Terms and Conditions, including, without limitation, the sections relating to suspension or termination, disputes with Holyheld, your liability, the indemnity, and general provisions will continue to be binding and operate after the termination or expiration of these Terms and Conditions.
These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of Bulgaria.