Terms and Conditions

You agree to receive communications from Us electronically, including through the web platform and mobile application, by email and by SMS. Electronic communications satisfy any legal requirement for communications to be in writing.

You must keep Your email address and phone number up to date. Notices to Us must be sent to info@centpay.io.

We may amend these Terms at any time, at Our sole discretion and without prior notice. Any changes take effect immediately when the updated Terms are posted, and the “Last updated” date at the top of these Terms will be revised accordingly.

We are not obliged to notify You individually of any changes. It is Your responsibility to review these Terms periodically. Your continued use of the Service after any changes are posted constitutes Your acceptance of the updated Terms. If You do not agree to the updated Terms, You must stop using the Service and close Your Account.

Where applicable law requires Us to notify You of a change, or to obtain Your consent before a change applies to You, We will do so.

These Terms are an agreement between You and the Company only, and not with Apple Inc. or Google LLC (each a “Platform Provider”). The Company, and not the Platform Provider, is solely responsible for the mobile application and its content.

Your licence to use the mobile application is limited to use on a Device that You own or control and that runs the relevant operating system, as permitted by the usage rules of the Platform Provider’s store terms.

The Platform Providers have no obligation to provide any maintenance or support services for the mobile application.

To the maximum extent permitted by law, the Platform Providers have no warranty obligation with respect to the mobile application. If the mobile application fails to conform to any applicable warranty, You may notify the relevant Platform Provider, which may refund the purchase price of the mobile application, if any.

The Company, and not the Platform Providers, is responsible for addressing any claims relating to the mobile application or Your use of it, including product liability claims, claims that the mobile application fails to meet any legal or regulatory requirement, claims under consumer protection or privacy laws, and claims that the mobile application infringes a third party’s intellectual property rights.

You represent and warrant that You are not located in a country that is subject to a United States Government embargo, or that has been designated by the United States Government as a “terrorist supporting” country, and that You are not listed on any United States Government list of prohibited or restricted parties.

Apple Inc., Google LLC and their subsidiaries are third-party beneficiaries of these Terms. Upon Your acceptance of these Terms, each of them will have the right, and will be deemed to have accepted the right, to enforce these Terms against You as a third-party beneficiary.

Entire agreement. These Terms, together with Our Privacy Policy and any additional terms that apply to specific features, form the entire agreement between You and the Company regarding the Service.

Severability. If any provision of these Terms is found to be invalid or unenforceable, it will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force and effect.

No waiver. Our failure to enforce any provision of these Terms is not a waiver of Our right to enforce it later.

Assignment. We may assign or transfer Our rights and obligations under these Terms. You may not assign or transfer Yours without Our prior written consent.

Relationship. Nothing in these Terms creates any partnership, joint venture, agency or employment relationship between You and the Company.

Third-party rights. Except for the rights given to the Platform Providers in these Terms, no third party has any right to enforce these Terms.

Language. These Terms are written in English. Where they are translated into another language, the English version prevails in the event of any inconsistency, to the extent permitted by law.

If You have any questions about these Terms, You can contact Us:

• General enquiriesinfo@centpay.io
• Customer supportsupport@centpay.io