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Terms of Service

1. Acceptance of Terms​

By accessing and using ChainPay's services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use our Services.

2. Description of Services​

ChainPay is a comprehensive payment platform that enables businesses and individuals to: Accept and process cryptocurrency payments Process traditional payment methods (bank cards, Google Pay, Apple Pay) Convert between fiat currencies and cryptocurrencies Access payment analytics and reporting tools Integrate payment solutions via APIs and SDKs

3. Eligibility​

To use our Services, you must: Be at least 18 years old or the age of majority in your jurisdiction Have the legal capacity to enter into binding agreements Not be prohibited from using financial services under applicable laws Provide accurate and complete information during registration

4. Account Registration and Security​

4.1 Account Creation You must create an account to access certain Services You are responsible for maintaining the confidentiality of your account credentials You must provide accurate, current, and complete information 4.2 Account Security You are solely responsible for all activities under your account Notify us immediately of any unauthorized use or security breach We reserve the right to suspend or terminate accounts that violate these Terms

5. Acceptable Use Policy​

You agree not to use our Services to: Engage in illegal activities or facilitate money laundering Process payments for prohibited goods or services Violate any applicable laws, regulations, or third-party rights Interfere with or disrupt our Services or servers Attempt to gain unauthorized access to our systems

6.Payment Processing​

6.1 Transaction Processing We facilitate payments between you and third parties Transaction fees apply as outlined in our fee schedule Processing times may vary based on payment method and network conditions 6.2 Refunds and Disputes Refund policies are determined by merchants We may assist in resolving payment disputes according to our dispute resolution process Cryptocurrency transactions may be irreversible

7. Fees and Charges​

Current fees are available on our website and may change with notice Fees may include transaction processing, conversion, and service fees You are responsible for any network fees associated with cryptocurrency transactions

8. Compliance and Regulatory Requirements​

8.1 KYC/AML Compliance We may require identity verification and documentation We comply with applicable anti-money laundering and know-your-customer regulations We may report suspicious activities to relevant authorities 8.2 Tax Obligations You are responsible for determining and fulfilling your tax obligations We may provide transaction records to assist with tax reporting Consult with tax professionals regarding cryptocurrency tax implications

9. Intellectual Property​

ChainPay and its licensors own all rights to the Services and related technology You may not copy, modify, or distribute our intellectual property Limited license granted for authorized use of our Services

10.Privacy and Data Protection​

Our collection and use of personal information is governed by our Privacy Policy By using our Services, you consent to our data practices as described in the Privacy Policy

11. Disclaimers and Limitations​

11.1 Service Availability Services are provided "as is" without warranties of any kind We do not guarantee uninterrupted or error-free service Cryptocurrency markets are volatile and unpredictable 11.2 Limitation of Liability Our liability is limited to the maximum extent permitted by law We are not liable for indirect, incidental, or consequential damages Our total liability shall not exceed the fees paid by you in the preceding 12 months

12. Indemnification​

You agree to indemnify and hold harmless ChainPay from any claims, damages, or expenses arising from: Your use of our Services Your violation of these Terms Your violation of applicable laws or third-party rights

13.Termination​

13.1 Termination by You You may terminate your account at any time by contacting support Termination does not relieve you of obligations incurred prior to termination 13.2 Termination by ChainPay We may suspend or terminate your access for violation of these Terms We may terminate Services with reasonable notice for business reasons

14. Force Majeure​

We are not liable for delays or failures in performance due to circumstances beyond our reasonable control, including but not limited to natural disasters, government actions, network failures, or blockchain network issues.

15. Governing Law and Dispute Resolution​

These Terms are governed by [Jurisdiction] law Disputes shall be resolved through binding arbitration Class action waivers apply where legally permissible

16. Modifications to Terms​

We may modify these Terms at any time with reasonable notice Continued use of Services constitutes acceptance of modified Terms Material changes will be communicated through email or platform notifications

17. Miscellaneous​

17.1 Entire Agreement These Terms, together with our Privacy Policy, constitute the entire agreement between you and ChainPay. 17.2 Severability If any provision is found unenforceable, the remaining provisions remain in full force. 17.3 Assignment You may not assign your rights under these Terms without our consent. We may assign our rights at any time.

18. ContactInformation​

For questions about these Terms, please contact us at: Email: [email protected] Address: [Company Address] Phone: [Contact Number] By using ChainPay's Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.