Terms and Conditions

By downloading or installing the mobile application, accessing the web platform, registering an Account, or otherwise accessing or using the Service, You agree to be bound by these Terms and by Our Privacy Policy, which forms part of these Terms. If You do not agree to these Terms, You must not access or use the Service.

These Terms form a legally binding agreement between You and the Company. Certain features of the Service may be subject to additional terms, such as the terms of a Card Issuer or a Third-Party Provider. Where additional terms apply to a feature, they supplement these Terms and, in the event of a conflict regarding that feature, the additional terms prevail to the extent of the conflict.

You confirm that You have the legal capacity to enter into these Terms and that You are using the Service on Your own behalf.

In these Terms, the following words have the following meanings:

Account

means the account You register to access the Service.

Card

means a virtual or physical payment card made available to You through the Service.

Card Issuer

means the licensed third-party financial institution that issues a Card, under licence from a card network such as Visa or Mastercard.

Company, We, Us or Our

means CENTPAY, Dubai, United Arab Emirates.

Device

means any device, such as a mobile phone, tablet or computer, that You use to access the Service.

Digital Assets

means cryptocurrencies, stablecoins and other digital tokens supported by the Service from time to time.

Fees

means the fees and charges for the Service, as displayed on the CentPay web platform and in the CentPay mobile application.

Identity Verification

means the Know Your Customer (KYC) and customer due diligence checks We carry out to verify Your identity and meet Our legal obligations.

Premium Membership

means a paid membership plan that gives access to additional features or benefits.

Service

means the CentPay web platform and the CentPay mobile application, including Our website at https://centpay.io and related subdomains, and all related features, products and services.

Third-Party Provider

means an independent company, not controlled by the Company, that provides a service You access through the web platform or mobile application, including cryptocurrency service providers and their payment partners, Card Issuers and payout partners.

Transaction

means any deposit, withdrawal, transfer, Card payment, top-up, purchase, sale, swap or other operation carried out through the Service.

Wallet

means the balance record within Your Account in which supported Digital Assets are held for You.

You or Your

means the individual who uses the Service.

To use the Service, You must be at least 18 years old, or the age of legal majority in Your country of residence if higher.

You must not be located in, or a resident or citizen of, any country or region where the use of the Service, or any part of it, is prohibited or restricted by law, or which We designate as unsupported from time to time. You must not be the subject of any sanctions administered by any legal or equivalent authority.

You may hold only one Account. You must not open an Account on behalf of, or for the benefit of, any other person.

We may refuse to open an Account, or restrict access to any feature, at Our sole discretion and without giving reasons, where permitted by law. Some features of the Service may not be available in Your country.

You must provide accurate, complete and current information when You register, and You must keep Your information up to date.

You are solely responsible for keeping Your password, email account credentials, two-factor authentication (2FA) codes, authenticator app and the Device on which they are stored secure and confidential, and for all activity that takes place through Your Account. You must not share Your login details or 2FA codes with anyone. We may require 2FA for sensitive actions, such as withdrawals.

To the fullest extent permitted by law, the Company shall not be liable for any loss, damage or unauthorised access to Your Account arising from Your failure to keep these details secure, including where Your password, email account credentials or 2FA codes are disclosed, or where the Device on which they are stored, Your authenticator app or Your email account is lost, stolen or accessed by another person.

You must notify Us immediately at support@centpay.io if You suspect that Your Account has been accessed without Your authorisation, or that Your login details or Card details have been lost, stolen or compromised. We will never ask You for Your password or 2FA codes.

Your Account is personal to You and may not be sold, transferred or shared.

We are required by law to verify the identity of Our customers. You must complete Identity Verification before You can use certain features of the Service, including Cards and withdrawals.

We may, at any time, ask You to provide additional information or documents, including information about the source of Your funds, and You agree to provide them promptly.

You authorise Us, and Our Identity Verification and screening providers, to make the enquiries We consider necessary to verify Your identity and to screen You against sanctions, politically exposed persons and fraud databases.

We may refuse, delay, suspend or restrict any Transaction or feature if Identity Verification is not completed, if the information You provide is incomplete, inaccurate or unsatisfactory, or if We are required to do so by law.

We monitor Transactions to prevent money laundering, terrorist financing, fraud and other financial crime. We may report suspicious activity to the relevant authorities and may be prohibited by law from telling You that We have done so.