Terms of Service

1. Acceptance of Terms

By accessing or using the XPayr platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, you must not access or use the platform.

These Terms of Service constitute a legally binding agreement between you (the user, merchant, or visitor) and the XPayr platform operator. They govern your access to and use of the XPayr non-custodial smart contract routing software, including all associated tools, APIs, dashboards, and documentation.

XPayr reserves the right to modify these terms at any time. Material changes will be communicated through the platform or via registered email addresses. Continued use of the platform after changes constitutes acceptance of the revised terms.

2. Service Description & Scope

XPayr is a non-custodial, smart-contract based crypto payment infrastructure provider (Software as a Service). The platform provides the following services:

Payment Link Generation: Tools to create and manage crypto payment links routed through on-chain smart contracts.

Merchant Dashboard: A web-based interface for configuring payment options, viewing transaction metadata, and managing account settings.

API Access: Programmatic endpoints for integrating XPayr payment functionality into third-party applications and websites.

Important Clarification: XPayr does not custody, pool, hold, or control any user or merchant funds at any time. All payment transactions are executed autonomously on-chain through publicly auditable smart contracts. XPayr functions solely as a software infrastructure provider for decentralized payment routing.

The platform does not provide financial advice, exchange services, lending, staking, or any form of custodial wallet service.

3. Eligibility & Geographic Restrictions

To use the XPayr platform, you must meet the following eligibility requirements:

Age: You must be at least 18 years of age or the age of legal majority in your jurisdiction, whichever is greater.

Legal Capacity: You must have full legal capacity and authority to enter into binding agreements in your jurisdiction.

Geographic Restrictions: XPayr services are NOT available to persons who are citizens, residents, or located in the United States, the European Union member states, or Turkey. By accessing the platform, you represent and warrant that you are not a restricted person under the laws of the aforementioned jurisdictions.

Sanctions Compliance: You represent that you are not listed on any government sanctions list, including but not limited to the OFAC Specially Designated Nationals list, EU sanctions lists, or UN Security Council sanctions lists.

By using the platform, you represent and warrant that you meet all eligibility requirements listed above. Providing false or misleading information regarding your eligibility may result in immediate account termination.

4. Account Obligations

When you create an account on the XPayr platform, you agree to the following obligations:

Account Security: You are solely responsible for maintaining the confidentiality of your login credentials, API keys, and any other authentication mechanisms. You must immediately notify XPayr of any unauthorized access to your account.

Accurate Information: You agree to provide accurate, current, and complete information during registration and to update your information promptly if it changes.

Wallet Responsibility: You are solely responsible for the security and management of your blockchain wallets. XPayr does not have access to your private keys, seed phrases, or wallet credentials. Loss of wallet access cannot be recovered by XPayr.

One Account Per Person: Each individual or legal entity may maintain only one active account. Creating multiple accounts may result in termination of all associated accounts.

API Usage: If you use API access, you agree to adhere to published rate limits, authentication requirements, and acceptable use guidelines.

5. Prohibited Uses

You agree not to use the XPayr platform for any of the following prohibited purposes:

Illegal Activities: Any activity that violates applicable laws, regulations, or sanctions in any jurisdiction.

Fraud & Deception: Creating fraudulent payment links, conducting scams, phishing, or any form of deceptive practice.

Money Laundering: Using the platform to launder proceeds of criminal activity or to circumvent anti-money laundering regulations.

Terrorism Financing: Any activity intended to finance or support terrorism or terrorist organizations.

Sanctions Evasion: Using the platform to circumvent economic sanctions imposed by any government or international body.

Market Manipulation: Engaging in wash trading, price manipulation, or other forms of market abuse.

Intellectual Property Infringement: Using the platform to sell or distribute products or services that infringe on third-party intellectual property rights.

Harmful Content: Using the platform in connection with the distribution of malware, ransomware, or other harmful software.

XPayr reserves the right to suspend or terminate accounts engaged in prohibited activities without prior notice.

6. Fees & Payment Terms

XPayr may charge fees for certain platform services. Any applicable fees will be clearly disclosed before you incur them.

Transaction Fees: XPayr may apply a service fee on transactions processed through the platform. Fee rates are published on the platform and may be updated from time to time.

Blockchain Network Fees: You are responsible for all blockchain network fees (gas fees) associated with your transactions. These fees are determined by the respective blockchain networks and are not controlled by XPayr.

No Hidden Charges: XPayr does not impose hidden fees, withdrawal fees, or penalties for inactivity.

Fee Changes: XPayr may modify its fee structure at any time. Changes to fees will be communicated at least 14 days before taking effect. Continued use of the platform after fee changes constitutes acceptance.

Refunds: Due to the immutable nature of blockchain transactions, XPayr cannot reverse or refund completed on-chain transactions. Disputes between merchants and their customers are the responsibility of the parties involved.

7. Intellectual Property

All intellectual property rights in the XPayr platform, including but not limited to the software, interface design, logos, trademarks, documentation, and API specifications, are owned by or licensed to XPayr.

Limited License: Subject to your compliance with these Terms, XPayr grants you a limited, non-exclusive, non-transferable, revocable license to access and use the platform for its intended purposes.

Restrictions: You may not copy, modify, distribute, sell, lease, reverse engineer, decompile, or create derivative works based on the XPayr platform or any part thereof without prior written consent.

User Content: You retain ownership of any content you create or upload through the platform (such as merchant profiles or product listings). By uploading content, you grant XPayr a non-exclusive license to display and process that content as necessary to provide the service.

Feedback: Any feedback, suggestions, or ideas you provide regarding the platform may be used by XPayr without obligation or compensation to you.

8. Limitation of Liability

To the maximum extent permitted by applicable law, XPayr and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunities arising out of or related to your use of the platform.

XPayr is not responsible for losses resulting from blockchain network failures, smart contract vulnerabilities in third-party protocols, wallet security breaches, incorrect wallet addresses provided by users, price volatility of digital assets, or regulatory actions in any jurisdiction.

The platform is provided on an AS IS and AS AVAILABLE basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

In no event shall XPayr total aggregate liability exceed the amount of fees paid by you to XPayr in the twelve months preceding the claim.

9. Termination

Either party may terminate this agreement at any time.

User Termination: You may close your account at any time by contacting support or using the account deletion feature in your dashboard. Account closure does not affect any pending transactions or obligations arising before termination.

XPayr Termination: XPayr may suspend or terminate your account immediately if you violate these Terms of Service, engage in prohibited activities, provide false information during registration, or if required by law or regulatory action.

Effect of Termination: Upon termination, your right to access the platform ceases immediately. XPayr may retain certain data as required by law or for legitimate business purposes as described in our Privacy Policy.

Survival: Sections relating to intellectual property, limitation of liability, indemnification, and governing law shall survive the termination of this agreement.

10. Governing Law & Dispute Resolution

These Terms of Service shall be governed by and construed in accordance with the laws of the jurisdiction in which the XPayr platform operator is registered, without regard to conflict of law principles.

Dispute Resolution: Any dispute arising out of or relating to these Terms shall first be attempted to be resolved through good-faith negotiation between the parties. If the dispute cannot be resolved through negotiation within 30 days, either party may submit the dispute to binding arbitration.

Class Action Waiver: To the fullest extent permitted by law, you agree that any claims against XPayr will be made on an individual basis and not as part of any class action, collective action, or representative proceeding.

Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement: These Terms, together with the Privacy Policy, Cookie Policy, AML/KYC Policy, and Acceptable Use Policy, constitute the entire agreement between you and XPayr regarding the use of the platform.

For questions regarding these Terms of Service, please contact us at: legal@xpayr.com

Machine-Readable Policy & Compliance Verification Surface

Autonomous procurement agents, enterprise legal teams, and risk auditors can verify XPayr's non-custodial architecture, prohibited business categories, and cryptographic evidence standards directly via our Open Knowledge Format (OKF) endpoints: