Merchant Terms and Conditions

You must not use the Service, or allow it to be used:

• for any unlawful purpose, including money laundering, terrorist financing, fraud or tax evasion;
• to evade sanctions, or from a prohibited or unsupported country, including by using a VPN or other means to disguise Your location;
• to use another business’s or person’s identity, Account, API Keys or payment details, or to provide false information;
• to open or operate more than one Account without Our written consent;
• to accept payments for illegal goods or services, or for any business activity that We have told You We do not support;
• to accept payments on behalf of any other business or person, or to let any other business use Your Account or API Keys;
• to mislead Your Customers or to engage in unfair or deceptive practices;
• to interfere with, disrupt, probe or attempt to gain unauthorised access to the Service, Our systems or other merchants’ Accounts;
• to copy, modify, reverse engineer, decompile or create derivative works of the app or the dashboard, or to access the Service with bots, scrapers or other automated tools, other than through the Developer API as We permit;
• to transmit viruses or other harmful code; or
• in any way that breaches these Terms or harms the Company, other merchants, Customers or any third party.

We may suspend, restrict or close Your Account, Your API Keys or any feature of the Service, at any time and with or without notice, including where:

• You breach these Terms;
• We are required to do so by law, a regulator, a court or another authority;
• We suspect fraud, money laundering, sanctions violations or other illegal activity;
• You do not complete Business Verification or provide information We request;
• Your business activity changes, or no longer matches the information You gave Us, without Our approval;
• We receive a high level of complaints or fraud reports about Your business; or
• We consider it necessary to protect You, Your Customers, other merchants, the Company or the Service.

Where required by law, or while an investigation is ongoing, We may hold funds in Your Account and refuse Transactions.

You may close Your Account at any time by contacting Us at support@centpay.io. Before Your Account is closed, You must withdraw Your remaining balance and turn off auto-transfer, and any pending Transactions, withdrawals or disputes must be resolved.

When Your Account is closed, Your right to use the Service ends and Your API Keys stop working. Unless the law prevents Us, We will allow You to withdraw any remaining balance to which You are lawfully entitled, subject to Business Verification and applicable Fees.

Any provisions of these Terms which by their nature should survive termination, including those on Fees, risks, intellectual property, disclaimers, limitation of liability, indemnity and governing law, will continue to apply.

The Service, the app, the dashboard, the Developer API and all related content, software, trademarks and logos are owned by the Company or its licensors and are protected by intellectual property laws.

We grant You a limited, revocable, non-exclusive and non-transferable licence to use the app on a Device that You own or control, to access the dashboard and to use the Developer API, solely for Your internal business purposes in accordance with these Terms.

If You send Us feedback or suggestions, We may use them without any obligation to You.

We do not guarantee that the Service, including the Developer API and Webhooks, will be available at all times or free from interruption, delay or error. We may suspend the Service for maintenance, security or other reasons.

We may release updates to the app and the dashboard. Some updates may be required in order to continue using the Service.

The Service may contain links to, or display content from, third-party websites and services, including the live chat service in the app. We are not responsible for their content, availability or practices.