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 person’s identity, Account or payment details, or to provide false information;
• to open or operate more than one Account;
• to buy or sell illegal goods or services;
• to interfere with, disrupt, probe or attempt to gain unauthorised access to the Service, Our systems or other users’ Accounts;
• to copy, modify, reverse engineer, decompile or create derivative works of the web platform or mobile application, or to use bots, scrapers or other automated tools;
• to transmit viruses or other harmful code;
• to abuse any promotion, reward or referral programme; or
• in any way that breaches these Terms or harms the Company, other users or any third party.

We may suspend, restrict or close Your Account, 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 Identity Verification or provide information We request; or
• We consider it necessary to protect You, other users, 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 any pending Transactions, Card balances or disputes must be resolved.

When Your Account is closed, Your right to use the Service ends. Unless the law prevents Us, We will allow You to withdraw any remaining balance to which You are lawfully entitled, subject to Identity 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 web platform, the mobile application 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, personal, revocable, non-exclusive and non-transferable licence to access the web platform and use the mobile application on a Device that You own or control, solely for Your personal use 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 will be available at all times or free from interruption or error. We may suspend the Service for maintenance, security or other reasons.

We may release updates to the web platform and mobile application. 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. We are not responsible for their content, availability or practices.