# Regulatory disclosures.

Statutory disclosures, terms of service, and operational policies for Tesseract Investment Oy, authorized as a crypto-asset service provider (CASP) under MiCA and supervised by the Financial Supervisory Authority of Finland (FIN-FSA).

Documents are provided as PDFs to preserve formatting required for regulatory review and counterparty diligence.

## Terms, disclosures, and policies.

The current version of each document is published below. We publish updated versions when amendments are made; previous versions are available on request.

### Terms

- [Website Terms and Conditions](https://tesseract.fi/legal/Website-terms-and-conditions.pdf)
  
  Terms governing the use of Tesseract websites and services.
  
  PDF · 150 KB View →
- [Terms and Conditions of Crypto Asset Services](https://tesseract.fi/legal/Terms-and-Conditions-of-Crypto-Asset-Services-v-1.2.pdf)
  
  Master client terms for the regulated crypto-asset services provided by Tesseract Investment Oy.
  
  PDF · 389 KB View →
- [Crypto Lending Terms and Conditions](https://tesseract.fi/legal/Crypto-Lending-Terms-and-Conditions-2026-07-08-B2B.pdf)
  
  Terms for Tesseract's institutional (B2B) crypto lending product, provided by Tesseract Earn Oy and its UK subsidiaries.
  
  PDF · 536 KB View →
- [Dedicated Client Vault Terms and Conditions](https://tesseract.fi/legal/DCV-Master-Terms-and-Conditions-2026-07-01.pdf)
  
  Master terms for the Dedicated Client Vault discretionary portfolio management service, provided by Tesseract Investment Oy.
  
  PDF · 425 KB View →
- [Fee Schedule](https://tesseract.fi/legal/Tesseract-Fee-Schedule.pdf)
  
  Standard fees applied to crypto-asset services and accounts.
  
  PDF · 243 KB View →

### Disclosures

- [Conflicts of Interest Disclosure](https://tesseract.fi/legal/Conflicts-of-Interest-Disclosure.pdf)
  
  How Tesseract identifies, manages, and discloses actual or potential conflicts of interest.
  
  PDF · 315 KB View →
- [Statutory Disclosure for Crypto-Asset Transfer Services](https://tesseract.fi/legal/Statutory-Disclosure-for-Crypto-Asset-Transfer-Services.pdf)
  
  Statutory disclosure required for crypto-asset transfer services under MiCA.
  
  PDF · 207 KB View →
- [Information regarding the service provider and services (Distance selling)](https://tesseract.fi/legal/Distance-selling.pdf)
  
  Pre-contractual information for distance-selling of services to consumers.
  
  PDF · 254 KB View →
- [Customer Complaints Disclosure](https://tesseract.fi/legal/Customer-Complaints-Disclosure.pdf)
  
  How to raise a complaint with Tesseract and how it will be handled.
  
  PDF · 39 KB View →
- [ESG Disclosure](https://tesseract.fi/legal/ESG-Disclosure.pdf)
  
  Environmental, social, and governance disclosure for crypto-asset services.
  
  PDF · 157 KB View →

### Policies

- [Summary of Custody Policy](https://tesseract.fi/legal/Custody-Policy_client-summary.pdf)
  
  Client-facing summary of how client assets are safeguarded.
  
  PDF · 157 KB View →
- [List of brokers and execution venues](https://tesseract.fi/legal/Approved-Counterparties-and-Exchanges.pdf)
  
  Approved counterparties and execution venues used by Tesseract.
  
  PDF · 58 KB View →
- [Execution Policy](https://tesseract.fi/legal/Execution-Policy.pdf)
  
  How Tesseract obtains the best possible result when executing client orders.
  
  PDF · 197 KB View →

### Privacy and cookies

- [Privacy Notice](https://tesseract.fi/privacy-notice/)
  
  How we collect, process, and protect personal data under GDPR and the UK Data Protection Act. VIEW →
- [Cookie information](https://tesseract.fi/cookie-information/)
  
  Cookie categories in use, what they do, and how to manage or disable them. VIEW →

## Issuer whitepapers.

Whitepapers for crypto-assets serviced under our MiCA authorization. Links open the issuer's published whitepaper in a new tab.

- [Bitcoin](https://bitcoin.org/en/bitcoin-paper)
- [Ether](https://ethereum.org/en/whitepaper/)
- [USDC](https://www.circle.com/legal/mica-usdc-whitepaper)
- [USDT](https://assets.ctfassets.net/vyse88cgwfbl/5UWgHMvz071t2Cq5yTw5vi/c9798ea8db99311bf90ebe0810938b01/TetherWhitePaper.pdf)
- [Litecoin](https://www.allcryptowhitepapers.com/Litecoin-Whitepaper/)
- [Ripple](https://ripple.com/files/ripple_consensus_whitepaper.pdf)
- [Solana](https://solana.com/solana-whitepaper.pdf)
- [Cardano](https://www.allcryptowhitepapers.com/ada-whitepaper/)
- [Polygon](https://polygon.technology/papers/pol-whitepaper)
- [Polkadot](https://assets.polkadot.network/Polkadot-lightpaper.pdf)
- [Avalanche](https://www.avalabs.org/whitepapers)
- [DAI](https://makerdao.com/en/whitepaper/)
- [ATOM](https://whitepaper.io/document/582/cosmos-whitepaper)
- [NEAR](https://pages.near.org/papers/the-official-near-white-paper/)

## Compliance enquiries.

For regulatory questions or document requests not covered above, email our compliance team. We typically respond within one business day.

[compliance@tesseract.fi](mailto:compliance@tesseract.fi)