TERMS OF USE

01

ACCEPTANCE

Welcome to OpnSkin. These Terms of Use ("Terms") constitute a legally binding agreement between you and OpnSkin, governing your access to and use of our website, browser extension, skin marketplace, peer-to-peer trading platform, OPN points wallet, Skin Draft Leagues, and all related features and services (collectively, "OpnSkin" or the "Services").

By creating an account, accessing, or using any part of our Services, you confirm that you have read, understood, and agree to be bound by these Terms in their entirety, as well as our Privacy Policy and Cookie Policy. If you do not agree with any provision of these Terms, you must not use OpnSkin.

If you are a consumer within the meaning of applicable law (in particular in the European Union or the United Kingdom), you retain your mandatory right to bring proceedings before the courts of your country of residence. We do not require consumers to use arbitration. Please read Section 16 (Governing Law & Disputes) carefully.

02

WHAT OPNSKIN OFFERS

OpnSkin is a peer-to-peer marketplace that connects buyers and sellers of in-game virtual items. We act as an intermediary, providing the infrastructure, escrow protection, and payment processing that make trades safe and convenient. Through our platform, users can:

• Buy and sell in-game skins and items for supported games, including Counter-Strike 2, Dota 2, Team Fortress 2, and Rust, at prices set by sellers.
• Use the Instant Sell feature to sell items directly to OpnSkin for an immediate, guaranteed payout without waiting for a buyer (this feature is coming soon and will be subject to separate terms when available).
• Pay for purchases securely through Trustap's hosted checkout page, which supports credit and debit cards (Visa, Mastercard, Maestro), iDEAL, Bancontact, P24 (Przelewy24), Wero, and other methods depending on the user's country. No wallet pre-funding is required — payment is made at the time of purchase.
• Receive seller payouts directly to their linked bank account through Trustap, after the escrow period and successful trade verification.
• List items for sale without needing to deposit them first. Your items remain in your Steam inventory until a buyer purchases them and a trade is initiated.
• Complete trades with full escrow protection, ensuring that the buyer's funds are secured until the seller delivers the item and the mandatory security period has passed.
• Progress through our seller rank system (Guest → Trader I → Trader II → Trader III → Investor → Shark → Whale) by increasing their completed sales volume, unlocking higher OPN point rewards and platform recognition with each rank. Marketplace fees are price-based and do not depend on rank.
• Participate in our weekly Skin Draft Leagues, a free promotional skill-based competition: draft five skins (knife, gloves, rifle, sniper, pistol) from a curated pool and score points based on real market price variation × wear multiplier. Entry is free unless a specific league states otherwise. Some leagues may require OPN points for entry; OPN cannot be purchased for money and is earned only through platform loyalty (e.g. completed sales, league winnings). Prizes may be OPN points or, where expressly stated, in-game items. Draft Leagues are not gambling, betting, or lottery services.

03

YOUR USE OF OPNSKIN

You must be at least 18 years old to create an account and use our Services. We reserve the right to request proof of age at any time and to suspend or terminate accounts where age requirements are not met. Sellers receiving marketplace payouts must complete identity verification directly with Trustap, our payment provider, in accordance with Trustap's own requirements.

You are solely responsible for your use of OpnSkin and for ensuring that your activities on the platform comply with these Terms, all applicable local, national, and international laws, and any regulations that apply to you. You may not use the Services for any illegal, fraudulent, or unauthorized purpose.

You acknowledge that in-game items traded on OpnSkin are virtual items owned and controlled by the respective game publishers (e.g. Valve Corporation for Steam games). OpnSkin does not create, own, or control these items. Our role is limited to facilitating trades between users.

04

ACCOUNT

You may create an account on OpnSkin by linking your Steam account, signing up with your email address, or connecting a Google account. Each user may maintain only one account. Your account is personal and non-transferable; you may not sell, trade, give away, or otherwise transfer your account to any other person.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account, whether or not you authorized it. You must notify us immediately at [email protected] if you suspect any unauthorized access to or use of your account.

We may allow you to remain logged in across sessions using persistent session cookies. If other people have access to your device, they may be able to access your OpnSkin account. It is your responsibility to secure your device and log out when appropriate. OpnSkin is not liable for any loss or damage arising from your failure to protect your account or device.

05

ACCEPTABLE USE

When using OpnSkin, you agree to conduct yourself in a lawful, respectful, and fair manner. The following activities are strictly prohibited and may result in immediate account suspension or permanent termination:

• Violating any applicable law, regulation, or third-party rights, including intellectual property rights, privacy rights, and contractual obligations.
• Engaging in fraud, impersonation, identity theft, phishing, or any other deceptive or dishonest conduct on the platform.
• Using another user's account, sharing your account credentials with others, or operating multiple accounts.
• Harassing, threatening, intimidating, bullying, or otherwise causing harm to other users, whether through messages, listings, reviews, or any other means.
• Using bots, scrapers, crawlers, or any other automated tools to access, collect data from, or interact with OpnSkin without our express written permission.
• Attempting to circumvent, disable, or interfere with any security features, authentication mechanisms, rate limits, or access controls of the platform.
• Uploading, transmitting, or distributing malware, viruses, trojans, worms, or any other malicious or harmful code through the platform.
• Artificially manipulating prices, creating fake listings, engaging in wash trading, or otherwise attempting to deceive other users about the value or availability of items.
• Encouraging, facilitating, or conducting off-platform trades to avoid OpnSkin fees, escrow protection, or other safeguards that exist to protect all users.
• Failing to complete trades as required (e.g. not sending items within the specified timeframe as a seller, or not accepting valid trade offers as a buyer).
• Using the platform for money laundering, terrorist financing, or any other financial crime.

We reserve the right to investigate any suspected violation of these rules and to take appropriate action, including but not limited to suspending or permanently terminating your account, forfeiting your balance, and reporting illegal activity to the relevant authorities.

06

ENFORCEMENT

If we determine, in our sole discretion, that you have violated these Terms, or that your continued use of OpnSkin may cause harm to the platform, other users, or third parties, we may take one or more of the following actions without prior notice:

• Issue a warning to your account.
• Remove, hide, or modify content or listings that violate our policies.
• Temporarily suspend your account and restrict access to certain features.
• Permanently terminate your account and ban you from creating new accounts.
• Apply financial penalties, including deductions from your wallet balance, as specified in our fee and penalty rules.
• Report your activity to law enforcement or regulatory authorities where we believe illegal conduct has occurred.

These enforcement measures do not entitle you to any refund, compensation, or damages. If your account is permanently closed due to a violation of these Terms, any remaining balance in your wallet may be forfeited in accordance with our policies, except where prohibited by applicable law.

07

TRANSACTIONS, FEES & TIERS

OpnSkin facilitates peer-to-peer transactions between buyers and sellers on the marketplace. When a buyer purchases an item, their funds are held in escrow until the trade is successfully completed and the mandatory security period has passed. OpnSkin may also offer an Instant Sell service, allowing sellers to sell items directly to OpnSkin for an immediate payout at a guaranteed price; when available, this service will be governed by these Terms and any additional rules displayed on the platform.

When a sale is completed on the marketplace, we deduct a selling fee from the seller's proceeds. OpnSkin uses a price-based fee model: the rate depends on the sale price of the item, not on the seller's rank or listed inventory value. Buyers also pay Trustap processing fees at checkout, and Trustap deducts a payout fee when releasing funds to the seller. All fees are detailed below and shown transparently before any transaction is confirmed.

7.1 Fees

OpnSkin uses a price-based fee model. All fees are displayed transparently before any transaction is confirmed.

Founder Pass: Holders of the Founder Pass benefit from half the OpnSkin selling fee at all times (e.g. 1.45% instead of 2.9% for items under €3,000). The minimum fee for Founder Pass holders is 0.5%. This is a permanent advantage reserved for early adopters.

Seller Rank: Your seller rank (Guest through Whale) is determined by your lifetime completed sales volume and is used for OPN point reward rates and platform recognition. Rank does not affect marketplace fees, which are determined solely by item price as described above.

Fee rates may be updated from time to time. The most current rates are always displayed on the platform before any transaction is confirmed.

7.2 Payments & Payouts

All marketplace payments are processed through Trustap's secure hosted checkout page. Buyers are charged at the time of purchase; no wallet pre-funding is required. Seller payouts are initiated by Trustap automatically after the escrow period and trade verification. Payout is made to the seller's linked bank account. All applicable fees are shown to both parties before a transaction is confirmed. You are responsible for ensuring your payout account details registered with Trustap are accurate and up to date.

Trustap account linking and holding period. Funds resulting from a sale are held by Trustap, our regulated payment service provider. To actually receive these funds in your bank account, you must create and finalise a Trustap account, including providing your bank details and completing identity verification (KYC). Trustap holds unclaimed funds for a limited period; if a seller does not link and finalise a Trustap account within that period, Trustap may, in accordance with its own terms, return the funds to the buyer, even if the item has already been delivered. OpnSkin will send you reminders by email at a reasonable cadence while funds remain unclaimed. OpnSkin shall not be liable for any such return of funds where the seller has failed to finalise their Trustap account in time after being notified. It is the seller's sole responsibility to monitor their email, respond to these reminders, and complete the Trustap setup before the holding period elapses.

7.3 Penalties

If you fail to fulfil your obligations in a trade (for example, not sending the item within the required timeframe as a seller, or not accepting a valid trade offer as a buyer), we may apply a financial penalty to your account balance. The penalty amount is determined by the value of the transaction and is set out in our in-platform rules and notifications. Repeated failures may result in additional penalties, account restrictions, or permanent suspension.

7.4 OPN Points

OPN is OpnSkin's in-platform loyalty points (reference value: 1 EUR = 100 OPN for display purposes only). OPN is earned from completed marketplace sales, promotional activities, and draft league winnings. OPN cannot be purchased for money or cryptocurrency, is non-transferable between users, has no cash value, cannot be withdrawn, and does not earn interest.

OPN may be used only within the platform, including optional entry to certain draft leagues where stated. OpnSkin may adjust OPN earning rates or permitted uses at any time with notice on the platform.

7.5 Identity Verification (Trustap)

OpnSkin does not operate its own KYC programme or monthly deposit/withdrawal limit tiers. Anti-money laundering and identity verification for marketplace payments and seller payouts are handled exclusively by Trustap, our regulated payment service provider. Sellers must create and complete a Trustap account (including KYC and bank details) to receive funds. Buyers and sellers are subject to Trustap's terms, limits, and verification requirements. OpnSkin may suspend accounts where we reasonably suspect fraud or illegal activity, without prejudice to your mandatory consumer rights.

7.6 Right of Withdrawal (EU/EEA Consumers)

If you are a consumer in the European Union or the European Economic Area, you generally have a 14-day right of withdrawal for distance contracts. For marketplace purchases on OpnSkin, performance begins immediately when you pay through Trustap and the peer-to-peer trade process is initiated.

By confirming a purchase, you expressly request immediate execution of the service and acknowledge that, once the transaction process has started in accordance with our policies, your statutory right of withdrawal may no longer apply under Article 16(m) of Directive 2011/83/EU. Refunds for failed trades, disputes, or non-delivery are handled under Section 9 and Trustap's dispute policies, not as a withdrawal right.

08

PRIVACY

Your use of OpnSkin is also governed by our Privacy Policy, which describes in detail how we collect, use, store, share, and protect your personal data. By using the Services, you acknowledge that you have read and understood our Privacy Policy. We encourage you to review it carefully.

09

REFUNDS & DISPUTES

Refunds and transaction disputes (for example, cases involving failed trades, missing items, items that do not match their description, or payment issues) are handled in accordance with our escrow procedures and support policies. If you encounter a problem with a transaction, please contact our support team at [email protected] as soon as possible with details of the issue.

We will investigate each case individually and make a determination based on the available evidence and our policies. Please note that we do not guarantee refunds in all circumstances; the outcome depends on the specific facts of each situation, the actions of both parties, and the applicable policies in effect at the time of the transaction.

10

USER CONTENT & LICENCE

You may submit content to OpnSkin, including but not limited to item listings, listing descriptions, profile information, messages, and support communications. You retain ownership of any intellectual property rights you hold in your content, where applicable under law.

By submitting content to OpnSkin, you grant us a non-exclusive, worldwide, royalty-free, sublicensable, and transferable licence to use, reproduce, modify, adapt, publish, display, and distribute that content as needed to operate, maintain, promote, and improve our Services. This licence continues for as long as your content remains on the platform and for a reasonable period after its removal.

You are solely responsible for ensuring that your content does not infringe any third-party rights (including intellectual property, privacy, and publicity rights) or violate these Terms. You may not copy, reproduce, reverse-engineer, decompile, disassemble, or create derivative works from any part of OpnSkin, or use bots, scrapers, or other automated tools to harvest data or content from the platform without our prior written consent.

11

AVAILABILITY & DISCLAIMERS

We strive to keep OpnSkin available and functioning at all times, but we do not guarantee uninterrupted, error-free, or secure access to our Services. The platform may be temporarily unavailable due to maintenance, updates, server issues, or circumstances beyond our control. The Services are provided on an "as is" and "as available" basis. To the fullest extent permitted by applicable law, we expressly disclaim all warranties, whether express, implied, statutory, or otherwise, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

12

LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, OpnSkin and its affiliates, directors, officers, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunity, arising out of or in connection with your use of (or inability to use) the Services, even if we have been advised of the possibility of such damages.

In any event, our total aggregate liability for all claims arising out of or related to these Terms or the Services shall not exceed the greater of: (a) the total amount of fees you have paid to OpnSkin in the six (6) months immediately preceding the event giving rise to the claim, or (b) one hundred euros (€100). This limitation applies regardless of the legal theory on which the claim is based, except where such limitation is prohibited by mandatory consumer protection law (including for consumers in France and the EU, and in cases of death or personal injury caused by our fault, fraud, or gross negligence).

13

INDEMNITY

You agree to indemnify, defend, and hold harmless OpnSkin and its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees and legal costs) arising out of or in connection with: (a) your use of or access to the Services; (b) your breach of these Terms or any applicable law; (c) your violation of any third-party rights, including intellectual property, privacy, or other proprietary rights; or (d) any content you submit to the platform.

14

TERMINATION

You may stop using OpnSkin and close your account at any time by contacting our support team. We may also suspend or terminate your access to the Services at any time, with or without cause and with or without prior notice, if we believe it is necessary to protect the platform, other users, or our legal rights.

Upon termination, your right to access and use the Services ceases immediately. Any provisions of these Terms that by their nature should survive termination (including, but not limited to, sections on liability, indemnity, dispute resolution, and intellectual property) shall remain in full force and effect. If your account is terminated for breach of these Terms, any remaining balance may be handled in accordance with our policies, which may include forfeiture of your balance. If your account is closed voluntarily or for reasons other than breach, you may be given a reasonable period to withdraw any remaining funds, subject to applicable fees and verification requirements.

15

THIRD-PARTY LINKS

OpnSkin may contain links to third-party websites, services, or resources, including but not limited to Steam and our payment processor (Trustap). These links are provided for your convenience only. We have no control over, and assume no responsibility for, the content, privacy policies, terms of use, or practices of any third-party sites or services. Your interactions with any third-party website or service are solely between you and that third party, and you access them at your own risk. We encourage you to review the terms and privacy policies of any third-party site you visit.

16

GOVERNING LAW & DISPUTES

These Terms shall be governed by and construed in accordance with the laws of France, without prejudice to mandatory consumer protection rules of your country of residence if you are a consumer in the European Union or the United Kingdom.

If you are a consumer, you may bring proceedings before the courts of your place of residence, or before the competent courts in Paris, France. We do not require consumers to waive access to courts or to accept binding arbitration.

For business users, disputes shall be submitted to the exclusive jurisdiction of the competent courts in Paris, France, unless mandatory law provides otherwise. You may also use the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

17

DIGITAL SERVICES ACT (DSA)

In compliance with the European Union's Digital Services Act (Regulation 2022/2065), our designated single point of contact for matters related to the Services, including content moderation, illegal content notifications, and regulatory communications, is: [email protected]. Communications may be conducted in English or French.

Where we have appointed a legal representative for DSA purposes, their contact details will be published on the platform and/or made available upon request. We are committed to transparency and cooperation with relevant authorities in accordance with the DSA.

18

CHANGES

We reserve the right to modify, amend, or replace these Terms at any time. When we make changes, we will post the updated Terms on this page and update the "Last updated" date at the top. If we make material changes that significantly affect your rights or obligations, we may also notify you by email or through a prominent notice on the platform. Your continued use of OpnSkin after any changes to these Terms have been posted constitutes your acceptance of the revised Terms. If you do not agree with the changes, you should stop using the Services and close your account.

19

TRUSTAP PAYMENT SERVICES

All paid transactions conducted on OpnSkin are processed using services provided by Trustap.com ("Trustap") and are covered by Trustap Buyer Protection where applicable. Trustap is an independent third-party service provider. When you use Trustap Services through OpnSkin, you acknowledge and agree to the following.

1. Relationship with Trustap. You enter into a direct contractual relationship with Trustap for the provision of Trustap Services. Your use of Trustap Services is governed by Trustap's Terms of Service, Privacy Policy, and all other applicable Trustap policies (including Trustap's Disputes, Refunds and Returns Policy, as set out in Section 10 of Trustap's Terms of Service). You agree to comply with those policies and are responsible for reviewing them periodically, as your continued use of Trustap Services constitutes acceptance of any updates. OpnSkin does not control Trustap's services or policies and is not responsible for Trustap's performance of those services.

2. Data sharing with Trustap. To facilitate transaction processing, OpnSkin shares relevant transaction and user data with Trustap. By using Trustap Services, you consent to such sharing. Please review both OpnSkin's Privacy Policy and Trustap's Privacy Policy to understand how your data is collected, used, and protected. This consent may be required under applicable data protection law, including the General Data Protection Regulation (GDPR).

3. Transaction processing. Trustap facilitates the collection, holding, and release of funds related to transactions conducted on OpnSkin in accordance with its policies and procedures. OpnSkin does not itself hold or process funds associated with transactions processed through Trustap Services.

4. Complaint Period. Buyers must report any issue with a transaction within eight (8) days following delivery confirmation (the "Complaint Period"), as defined under Trustap's Terms of Service. If a dispute is not submitted within the Complaint Period, the transaction will be deemed successfully completed and funds will be released to the seller in accordance with Trustap's policies.

5. Submitting a dispute. To submit a dispute, buyers must follow the dispute submission process available on OpnSkin within the Complaint Period: go to My Trades, open the relevant transaction, and use the "Report this trade" option to describe the issue. OpnSkin will guide you through the required steps. For marketplace and account questions (not payment escrow), contact [email protected].

6. Disputes investigations and outcome decisions. Disputes relating to transactions processed using Trustap Services will be handled in accordance with Trustap's Disputes, Refunds and Returns Policy (Section 10 of Trustap's Terms of Service). OpnSkin administers dispute investigations and outcome determinations in accordance with that policy. OpnSkin may request information or documentation from buyers and sellers in order to investigate and resolve disputes. Outcome decisions made by OpnSkin under this process are binding within the framework set by Trustap's policy, subject to any rights available to you under applicable law. Resolution outcomes may consist of a full refund to the buyer (less transaction fees), a full release of funds to the seller (less transaction fees), or a specific split resolution.

7. Additional platform rules. OpnSkin may establish additional rules, conditions, limitations, or exclusions relating to transactions processed through Trustap Services (the "Additional Platform Rules"). The current Additional Platform Rules applicable to Trustap Services are:

• Fee schedule as set out in Section 7.1 of these Terms (buyer Trustap processing fees, seller selling fees, Trustap payout fees, Founder Pass rates).
• Eight (8) day escrow and buyer-protection window after delivery confirmation, with automated release if no dispute is raised within the Complaint Period.
• Steam trade verification, scam-detection checks, and routing of suspicious trades to manual admin review.
• Seller identity verification and bank payouts handled exclusively through Trustap (KYC as required by Trustap).
• Account restrictions, soft-bans, and enforcement measures as described in Sections 5 and 6 of these Terms.

Where Additional Platform Rules are updated or added, such changes take effect from the date they are published in this Section 19 or elsewhere in these Terms and apply to all relevant transactions thereafter.

8. Trustap support. For questions about Trustap payment processing, escrow, or your Trustap account, you may contact Trustap via their Help Centre or by email at [email protected].

20

CONTACT

If you have any questions about these Terms of Use, need assistance with your account, or wish to report a violation, please contact us using any of the methods below. Our team is available to help and we aim to respond to all inquiries promptly.