Terms of Service
Status: DRAFT for legal review. Not yet binding. Audience: legal team / external counsel for review and finalisation Effective date:
[LEGAL TODO: insert effective date]Last updated: 2026-05-07
These Terms of Service (the "Terms") govern your access to and use of the Coingram platform, including the website at [LEGAL TODO: insert canonical domain], related applications, APIs, and other features (collectively, the "Service") operated by Coingram OE, a Greek general partnership (Ομόρρυθμη Εταιρεία) with registered seat at [LEGAL TODO: insert registered address], Greek VAT number (ΑΦΜ) [LEGAL TODO], and General Commercial Registry number (ΓΕΜΗ) [LEGAL TODO] (referred to as "Coingram", "we", "us", or "our").
By accessing or using the Service you agree to be bound by these Terms, our Privacy Policy, and, if you participate in marketplace transactions, our Marketplace Terms. If you do not agree, do not use the Service.
1. About Coingram and these Terms
1.1 What Coingram is
Coingram is an online platform and community for collectors and businesses interested in coins, providing:
- a directory and content service (encyclopaedia, catalogues, news, forum, profiles);
- a marketplace where users can list coins for sale and purchase coins listed by other users;
- subscription services granting enhanced access to platform features;
- ancillary services such as identification, valuation references, and notifications.
1.2 What Coingram is not
Coingram is not a seller of coins, an auctioneer, a financial advisor, an investment service, an importer/exporter of goods, a payment institution, or a custodian. Coingram does not buy, sell, own, store, ship, or control inventory of coins offered through the marketplace. Where the Service permits transactions between users, the contract for the sale of goods is concluded directly between the buyer and the seller. Coingram's role is limited to providing the platform and facilitating payment between the parties through its third-party payment service provider.
1.3 Scope of these Terms
These Terms apply to all visitors and registered users of the Service. Additional terms apply to certain features:
- Marketplace Terms — for any use of the buy/sell features
- Privacy Policy — for processing of personal data
[LEGAL TODO: list any further policies — Cookie Policy, Community Guidelines, Acceptable Use Policy, etc.]
These supplementary terms form part of these Terms by reference. If there is a conflict between these Terms and a feature-specific addendum, the addendum prevails for that feature.
2. Eligibility, Accounts, and Identity
2.1 Eligibility
To use the Service you must:
(a) be at least eighteen (18) years old, or the age of legal majority in your jurisdiction if higher; (b) have the legal capacity to enter into a binding contract; (c) not be barred from receiving the Service under the laws of Greece, the European Union, or any jurisdiction applicable to you; (d) not be located in or a resident of a country subject to comprehensive sanctions imposed by the European Union, the United Nations, or the United States Office of Foreign Assets Control.
If you are using the Service on behalf of a legal entity, you represent that you have authority to bind that entity to these Terms and that you accept these Terms on its behalf.
2.2 Account creation
You create your account through our authentication provider. You must provide accurate, current, and complete information and update it as needed. You are responsible for safeguarding your credentials and for all activity that occurs under your account. You must notify us promptly at [LEGAL TODO: insert security contact email] of any unauthorised access.
2.3 Identity verification
For users who wish to buy or sell on the marketplace, identity verification through our payment service provider (Stripe, Inc. and its affiliates) is required. By initiating verification you authorise us and Stripe to collect, verify, and process the identity information required by applicable law, including anti-money-laundering (AML) and know-your-customer (KYC) obligations. Verification through Stripe is governed by Stripe's own terms; access to certain Service features is conditional on a successful verification.
2.4 Account integrity
You may not:
(a) create more than one personal account, or maintain an account if a previous account was suspended or terminated, except with our prior written consent; (b) buy, sell, or transfer your account to another person; (c) impersonate another person or misrepresent your affiliation with any person or entity; (d) use the Service to circumvent any verification, suspension, or content-moderation decision applied to a different account.
3. User Content
3.1 Definition
"User Content" means any text, images, listings, comments, ratings, messages, profile information, or other content that you submit, upload, transmit, or display through the Service.
3.2 Your rights and licence to us
You retain ownership of your User Content. By submitting User Content you grant Coingram a worldwide, non-exclusive, royalty-free, sub-licensable, transferable licence to host, store, reproduce, modify, adapt, publish, display, communicate, and distribute that User Content, in any media now known or later developed, for the purposes of operating, providing, promoting, and improving the Service, complying with legal obligations, and enforcing these Terms. The licence ends when you delete the relevant User Content, except (i) to the extent that you shared it with other users who have copied or stored it independently, (ii) for backups retained for a reasonable period, and (iii) where retention is required by law.
3.3 Your representations
You represent and warrant that:
(a) you own or have all necessary rights, licences, consents, and permissions to grant the licence in clause 3.2; (b) your User Content does not infringe any third-party right (including intellectual property, privacy, publicity, or contractual rights); (c) your User Content complies with all applicable laws and these Terms.
3.4 Content moderation
We may, but are not obliged to, review, screen, edit, label, restrict, or remove User Content that we reasonably believe violates these Terms or applicable law, or that we determine is harmful to the Service, other users, or third parties. We will give notice and an opportunity to appeal where required by applicable law (including the EU Digital Services Act, Regulation 2022/2065). Our content moderation does not constitute editorial endorsement, and we do not pre-approve User Content before it appears.
4. Acceptable Use
You agree not to, and not to permit any third party to:
(a) use the Service for any unlawful, fraudulent, deceptive, defamatory, infringing, harmful, or harassing purpose; (b) post or transmit content that is hateful, threatening, sexually explicit, exploitative of minors, depicts violence, promotes terrorism, or otherwise violates applicable law; (c) circumvent or attempt to circumvent any technical measure, rate limit, security control, paywall, or access restriction; (d) reverse-engineer, decompile, scrape, copy, or otherwise extract data from the Service except as permitted by mandatory law or our published API terms; (e) introduce malware, exploits, or any code intended to disrupt the Service or the systems of other users; (f) use any robot, spider, or other automated means to access, monitor, or interact with the Service except for publicly published RSS feeds or APIs and within their documented limits; (g) use the Service to send unsolicited communications (spam) or to harvest user data; (h) misrepresent the origin, authenticity, condition, or grading of any item listed for sale; (i) sell, offer to sell, or facilitate the sale of items that are illegal under applicable law (including stolen goods, items subject to cultural heritage protection, counterfeit or replica items presented as genuine, or items the import/export of which violates applicable law); (j) use the Service to evade taxes, customs duties, or sanctions; (k) interfere with the operation of the Service, including by overloading or attacking infrastructure; (l) use the Service in any manner that violates these Terms, our Marketplace Terms, or any applicable law.
We reserve the right to remove, redirect, or refuse User Content at our discretion in accordance with applicable law and our content-moderation procedures.
5. Subscriptions, Fees, and Payment
5.1 Subscription plans
Certain features of the Service are available through paid subscription plans (the "Subscriptions"). Plans, prices, billing intervals, included features, and any limits are described on the pricing pages of the Service and are incorporated into these Terms by reference. Subscriptions automatically renew at the end of each billing period unless cancelled in accordance with clause 5.5.
5.2 Marketplace commission
When a buyer purchases a coin listed on the marketplace, Coingram applies a commission as a percentage of the sale, as set out in the Marketplace Terms. The applicable percentage varies according to the seller's active subscription plan.
5.3 Payment processor
All payments under the Service are processed by Stripe Payments Europe Ltd (Ireland) and its affiliates. By providing payment information you authorise Stripe and Coingram to charge that payment method for the amounts due, including taxes and any commissions. Your relationship with Stripe is also governed by Stripe's own terms, which you accept as a condition of using payment-related features. Coingram does not directly receive, store, or control your full payment-card details.
5.4 Taxes
All fees stated on the Service are exclusive of value-added tax (VAT) and any other applicable taxes, levies, or duties unless expressly stated otherwise. Coingram will charge VAT and other taxes where required by applicable law. You are solely responsible for any taxes applicable to your own transactions, business activity, income, or holdings, including without limitation taxes on coins you sell, taxes on profits realised, and customs duties on goods you import or export. See the Marketplace Terms for further detail on tax responsibilities in marketplace transactions.
5.5 Cancellation, refunds, and right of withdrawal
You may cancel a Subscription at any time through the Service or by contacting [LEGAL TODO: insert support email]. Cancellation takes effect at the end of the then-current billing period. Except as required by mandatory consumer-protection law, fees already paid for completed billing periods are non-refundable.
If you are a consumer resident in the European Union, you may have a statutory right of withdrawal of fourteen (14) days from the start of a Subscription, in accordance with EU Directive 2011/83/EU as transposed into Greek law (Joint Ministerial Decision Z1-891/2013). To exercise this right, contact us at [LEGAL TODO: insert email] within fourteen days. By starting to use a paid Subscription before the withdrawal period expires, you acknowledge that performance of the service has begun and you may forfeit the right of withdrawal in accordance with Article 16(a) of the same Directive — [LEGAL TODO: legal team to confirm exact wording, withdrawal-form template, and notice content per Greek transposition].
5.6 Late payment
If a payment fails or is reversed, we may suspend or terminate the affected Subscription and disable Service features until payment is received. We may charge interest on overdue amounts at the rate permitted by applicable law [LEGAL TODO: insert default Greek statutory rate or omit].
5.7 Pricing changes
We may change Subscription prices and fee percentages from time to time. We will give you reasonable advance notice (at least thirty (30) days for paying users) before any change takes effect, and the change will apply only to billing periods starting after the effective date. If you do not accept a price change you may cancel before it takes effect.
6. Intellectual Property
6.1 Coingram's IP
The Service, including its design, software, source code, databases, trademarks, logos, copy, structure, content (other than User Content), and all related intellectual property, is owned by Coingram or its licensors and is protected by Greek, EU, and international intellectual-property law. We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to access and use the Service in accordance with these Terms. No other licence is granted by implication, estoppel, or otherwise.
6.2 Feedback
If you provide suggestions, feedback, or improvement ideas for the Service, you grant Coingram a worldwide, perpetual, irrevocable, royalty-free licence to use them for any purpose without obligation to you.
6.3 Notice-and-takedown
If you believe content on the Service infringes your intellectual-property right, send a notice to [LEGAL TODO: insert IP/abuse contact] containing: (i) identification of the work allegedly infringed; (ii) identification of the allegedly infringing material on the Service; (iii) your contact information; (iv) a statement of good-faith belief that use is unauthorised; (v) a statement under penalty of perjury that the information is accurate and that you are authorised to act for the rights-holder; and (vi) your physical or electronic signature. We will respond in accordance with applicable law and the EU Digital Services Act.
7. Privacy
Our collection, use, and disclosure of your personal data is described in our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you acknowledge that personal data will be processed as described in the Privacy Policy.
8. Disclaimers
8.1 General
To the maximum extent permitted by applicable law, the Service is provided "as is" and "as available", without warranties of any kind, whether express, implied, statutory, or otherwise. Coingram disclaims all warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, reliability, security, freedom from bugs or interruption, and compatibility with any specific equipment or software. No statement made by Coingram, by an employee, or by content within the Service creates a warranty unless expressly described as a warranty in these Terms.
8.2 No advice
Content on the Service, including descriptions, valuations, encyclopaedia entries, news, articles, AI-generated identifications, and forum content, is for general informational purposes only. It does not constitute investment, financial, tax, legal, professional, or appraisal advice. You should consult appropriately qualified professionals before acting on information found on the Service.
8.3 Third-party content
The Service may contain or link to content provided by third parties (including but not limited to data from coin catalogues, news outlets, payment providers, and other users). Coingram is not responsible for third-party content and does not endorse it.
8.4 Marketplace transactions
Coingram is not a party to any sale of goods between users. Disclaimers specific to marketplace transactions are in the Marketplace Terms, Section 10.
9. Limitation of Liability
9.1 Excluded damages
To the maximum extent permitted by applicable law, Coingram, its affiliates, partners, officers, directors, employees, agents, and licensors will not be liable for any:
(a) indirect, incidental, special, consequential, exemplary, or punitive damages; (b) loss of profits, revenues, business, contracts, opportunities, anticipated savings, goodwill, reputation, or data; (c) loss arising from any inability to use, interruption, defect, error, or delay of the Service; (d) loss arising from third-party conduct (including User Content, marketplace transactions, payment-processor decisions, courier loss or damage, and customs actions); (e) loss arising from events outside our reasonable control (force majeure);
regardless of the form of action, whether in contract, tort (including negligence), strict liability, or otherwise, and regardless of whether we have been advised of the possibility of such damages.
9.2 Aggregate cap
To the maximum extent permitted by applicable law, our aggregate liability to you for all claims arising from or related to the Service in any twelve-month period will not exceed the greater of (i) the amounts actually paid by you to Coingram for the Service in the twelve months preceding the event giving rise to the claim, or (ii) one hundred euro (€100.00).
9.3 Mandatory law
Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable mandatory law, including liability for: (a) gross negligence or wilful misconduct; (b) death or personal injury caused by Coingram's negligence; (c) Coingram's fraud or fraudulent misrepresentation; or (d) any other liability that may not lawfully be limited. Where you are a consumer in Greece or another EU Member State, your statutory rights under mandatory consumer-protection law are not affected by these limitations.
9.4 Allocation
You acknowledge that the disclaimers and limitations of liability in these Terms reflect a fair allocation of risk between the parties and form an essential basis of the bargain.
10. Indemnification
To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Coingram and its affiliates, partners, officers, directors, employees, agents, and licensors from and against any and all claims, demands, losses, damages, fines, penalties, judgments, settlements, costs, and expenses (including reasonable legal fees) arising out of or related to:
(a) your access to or use of the Service; (b) your User Content; (c) your violation of these Terms or applicable law; (d) your transactions with other users (whether on or off the Service); (e) your alleged infringement of any third-party right; (f) any tax, customs, or duty obligation arising from your activity (including marketplace sales).
We may, at our option, assume exclusive control of any matter for which we are entitled to indemnification, in which case you will cooperate with us. You may not settle any matter without our prior written consent.
11. Suspension and Termination
11.1 By you
You may stop using the Service and close your account at any time by following the in-Service procedure or by contacting us. Cancellation of paid Subscriptions is governed by clause 5.5.
11.2 By us
We may suspend or terminate your access to all or part of the Service, without liability, immediately and without prior notice, where:
(a) we reasonably believe you have violated these Terms or applicable law; (b) we are required to do so by law, court order, or competent authority; (c) your account creates a security, fraud, money-laundering, or sanctions risk; (d) your payment is overdue or has been reversed; (e) we discontinue the Service or a feature on which your access depends; (f) continued service is not commercially viable.
Where we suspend or terminate your access, we will provide notice and a statement of reasons to the extent required by applicable law (including the EU Digital Services Act). Where the suspension can be cured, we will give you a reasonable opportunity to do so unless that would create a risk of harm to the Service, other users, or third parties.
11.3 Effect of termination
On termination of your account: (a) your licence to use the Service ends; (b) we may delete or anonymise your User Content, subject to legal retention obligations; (c) provisions that by their nature should survive termination — including clauses 3.2 (licence), 5 (fees, including outstanding amounts), 6 (IP), 8 (disclaimers), 9 (liability), 10 (indemnification), 11.3, 14 (governing law), and 15 (miscellaneous) — survive.
12. Communications and Notices
12.1 From us to you
We may send you notices, alerts, support messages, and informational communications by email to the address associated with your account, by in-Service notifications, or by posting to the Service. You agree that this constitutes lawful notice for the purposes of these Terms. Marketing communications are subject to your separate opt-in or opt-out preferences as described in our Privacy Policy.
12.2 From you to us
For legal notices, send to [LEGAL TODO: insert legal notice email and registered postal address]. For support, use the in-Service support feature or [LEGAL TODO: insert support email].
13. Changes to these Terms
We may update these Terms from time to time. If we make material changes, we will provide notice (in-Service or by email) at least fifteen (15) days before the change takes effect, except where a shorter period is required by law or by safety, security, or legal urgency. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not accept the updated Terms, your remedy is to stop using the Service and close your account before the change takes effect.
14. Governing Law and Dispute Resolution
14.1 Governing law
These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of the Hellenic Republic (Greece), without regard to conflict-of-laws principles. The application of the United Nations Convention on Contracts for the International Sale of Goods is excluded.
14.2 Jurisdiction
Subject to clauses 14.3 and 14.4, the competent courts of Athens, Greece have exclusive jurisdiction over any dispute arising out of or in connection with these Terms or the Service.
14.3 Consumers in the EU
Nothing in clause 14.2 deprives a consumer resident in the European Union of the protection afforded by the mandatory rules of the law of their country of residence under Article 6 of Regulation (EC) 593/2008 (Rome I) and Article 18 of Regulation (EU) 1215/2012 (Brussels Ia). Consumers may bring proceedings against Coingram in the courts of the Member State in which they are domiciled.
14.4 Online dispute resolution (ODR)
The European Commission provides an online dispute-resolution platform at https://ec.europa.eu/consumers/odr. Consumers may use this platform to attempt out-of-court resolution of disputes. Coingram is [LEGAL TODO: confirm: not committed | committed] to using a specific alternative dispute resolution body for consumer disputes.
14.5 Pre-litigation contact
Before initiating proceedings, you agree to first contact us at [LEGAL TODO: insert legal contact] and allow at least thirty (30) days for us to attempt to resolve the dispute amicably.
15. Miscellaneous
15.1 Entire agreement
These Terms (together with the Privacy Policy, the Marketplace Terms, and any additional terms expressly incorporated) constitute the entire agreement between you and Coingram regarding the Service and supersede any prior agreement.
15.2 Severability
If any provision of these Terms is held invalid or unenforceable by a competent authority, that provision will be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions will continue in full force and effect.
15.3 No waiver
Failure to exercise or enforce any right or provision of these Terms is not a waiver of that right or provision.
15.4 Assignment
You may not assign or transfer these Terms or any of your rights or obligations under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, restructuring, or sale of substantially all our assets, on notice to you.
15.5 Relationship of the parties
These Terms do not create a partnership, joint venture, agency, employment, or fiduciary relationship between you and Coingram.
15.6 Force majeure
Neither party is liable for any failure or delay in performance caused by an event beyond its reasonable control, including natural disasters, war, terrorism, civil unrest, government action, sanctions, network failure, or pandemic, provided that the affected party uses reasonable efforts to mitigate the effect.
15.7 Language
These Terms may be made available in multiple languages. In the event of any conflict, the [LEGAL TODO: insert governing language — typically Greek for a Greek entity, or English] version prevails.
15.8 Headings
Headings are for convenience only and do not affect interpretation.
16. Contact
| Purpose | Contact |
|---|---|
| Legal notices | [LEGAL TODO] |
| Support | [LEGAL TODO] |
| Privacy / data protection | [LEGAL TODO — see Privacy Policy] |
| Trust & safety / abuse | [LEGAL TODO] |
| IP / DMCA notices | [LEGAL TODO] |
| Press | [LEGAL TODO] |
Coingram OE — [LEGAL TODO: insert registered address, ΑΦΜ, ΓΕΜΗ, ΔΟΥ].
Notes for Legal Review
This draft is intended as a starting point. Items flagged [LEGAL TODO] require completion or validation by counsel. Specific points the legal team should verify and tailor:
- Greek transposition of EU Directive 2011/83/EU on consumer rights and the right of withdrawal — exact wording, withdrawal-form template, and information requirements (Joint Ministerial Decision Z1-891/2013 and amendments).
- Greek consumer-protection law (L. 2251/1994) requirements for B2C terms — including unfair-terms review (L. 2251/1994 art. 2 §6–§8) of clauses 8, 9, 10, 11, 14.
- EU Platform-to-Business Regulation 2019/1150 — additional disclosures required (ranking transparency, data access, internal complaint-handling system, mediator designation). May warrant a separate "P2B Disclosures" page.
- EU Digital Services Act (Regulation 2022/2065) — designation of single point of contact for authorities and recipients, statement of reasons template for content-moderation decisions, internal complaint-handling system, transparency reporting. We may need a dedicated DSA notice page.
- EU AI Act considerations for any AI-generated content (image identification, valuations, etc.) — disclosure requirements.
- Specific exclusions in clause 9 (limitation of liability) — Greek courts may strike down certain caps in B2C contexts; calibrate carefully.
- Force majeure list — confirm it captures payment-processor outages and Stripe service interruptions.
- ADR commitment in clause 14.4 — decide whether to pre-commit to a specific ADR body, which has compliance implications.
- Whether a separate Cookie Policy is needed (the Privacy Policy can integrate it, but Greek/EU practice often separates).
- Acceptable Use Policy — whether to extract clause 4 into its own document for easier amendment.