Terms of Service

1. Agreement and Acceptance

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "Merchant," or "you") and WolvPay ("Company," "we," "us," or "our") regarding your use of our cryptocurrency payment processing platform and related services.

By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our services.

2. Service Description

WolvPay provides cryptocurrency payment processing services that enable merchants to accept digital currency payments from customers. Our services include:

• Payment Processing: Real-time processing of cryptocurrency transactions across 17+ supported digital currencies
• Hosted Solutions: Ready-to-use payment interfaces with 1% processing fee
• White-Label Solutions: Customizable payment processing with 1.5% processing fee
• API Integration: Developer-friendly APIs for seamless integration
• Instant Withdrawals: Immediate access to processed funds
• Analytics Dashboard: Comprehensive transaction reporting and analytics

Our services are designed for legitimate business use and compliance with applicable laws and regulations.

3. Eligibility and Account Registration

3.1 Eligibility Requirements

To use our services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Have legal capacity to enter into binding contracts
• Operate a legitimate business or have a legitimate need for payment processing
• Comply with all applicable laws and regulations in your jurisdiction
• Not be located in a restricted or sanctioned jurisdiction

3.2 Account Registration

To create an account, you must provide accurate, current, and complete information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• Updating your account information when changes occur
• All activities that occur under your account
• Immediately notifying us of any unauthorized access

3.3 Business Verification

While we do not require KYC for basic services, we reserve the right to request additional information or documentation to verify your business legitimacy and comply with regulatory requirements.

4. Prohibited Uses

You agree not to use our services for any of the following prohibited activities:

• Illegal Activities: Money laundering, terrorism financing, drug trafficking, or any other illegal activities
• Fraudulent Transactions: Processing payments for fraudulent or deceptive purposes
• High-Risk Businesses: Adult content, gambling, pyramid schemes, or other high-risk activities (unless pre-approved)
• Sanctioned Entities: Transactions involving sanctioned individuals, entities, or jurisdictions
• Intellectual Property Violations: Selling counterfeit goods or infringing on intellectual property rights
• System Abuse: Attempting to hack, compromise, or misuse our systems
• Market Manipulation: Engaging in activities that manipulate cryptocurrency markets

5. Fees and Payment Terms

5.1 Processing Fees

5.2 Fee Collection

• Fees are automatically deducted from each processed transaction
• No setup fees, monthly fees, or hidden charges
• Instant withdrawals with no additional fees
• Fee changes require 30 days advance notice

5.3 Chargebacks and Disputes

Cryptocurrency transactions are irreversible by nature. However, in cases of proven fraud or system errors, we may assist with dispute resolution on a case-by-case basis.

6. Service Availability and Performance

6.1 Uptime Commitment

We strive to maintain 99.9% uptime for our services. While we work to minimize downtime, we do not guarantee uninterrupted service availability.

6.2 Maintenance and Updates

We reserve the right to perform scheduled maintenance and updates. We will provide advance notice when possible for planned maintenance that may affect service availability.

6.3 Force Majeure

We are not liable for service interruptions caused by events beyond our reasonable control, including but not limited to natural disasters, government actions, network failures, or blockchain network congestion.

7. Security and Risk Management

7.1 Security Measures

We implement industry-standard security measures to protect your account and transaction data:

• End-to-end encryption for all data transmission
• Multi-factor authentication options
• Cold storage for cryptocurrency holdings
• Regular security audits and penetration testing
• 24/7 monitoring and threat detection

7.2 User Responsibilities

You are responsible for:

• Maintaining secure account credentials
• Implementing appropriate security measures on your end
• Monitoring your account for unauthorized activity
• Promptly reporting security incidents

7.3 Risk Disclosure

8. Intellectual Property Rights

All content, features, and functionality of our platform, including but not limited to text, graphics, logos, software, and design, are owned by WolvPay and protected by intellectual property laws.

• You may not copy, modify, distribute, or reverse engineer our platform
• You may use our API and integration tools only as permitted by our documentation
• Any feedback or suggestions you provide may be used by us without compensation
• Our trademarks and logos may not be used without written permission

9. Data Protection and Privacy

Your privacy and data protection are governed by our Privacy Policy, which is incorporated into these Terms by reference. We are committed to protecting your personal information and complying with applicable data protection laws.

By using our services, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy.

10. Limitation of Liability

To the maximum extent permitted by law:

• WolvPay's total liability shall not exceed the fees paid by you in the 12 months preceding the claim
• We are not liable for indirect, incidental, special, or consequential damages
• We are not responsible for losses caused by cryptocurrency price volatility
• We are not liable for losses due to user error or negligence
• Our liability does not extend to third-party services or blockchain networks

11. Indemnification

You agree to indemnify, defend, and hold harmless WolvPay, its officers, directors, employees, and agents from and against any claims, damages, losses, or expenses arising from:

• Your use of our services in violation of these Terms
• Your violation of any applicable laws or regulations
• Infringement of third-party rights
• Your business operations and customer relationships
• Any content or information you provide to us

12. Termination

12.1 Termination by You

You may terminate your account at any time by contacting our support team. Upon termination, you remain liable for all outstanding fees and obligations.

12.2 Termination by Us

We may suspend or terminate your account immediately if:

• You violate these Terms or our policies
• Your account poses a security or compliance risk
• We are required to do so by law or regulation
• Your account remains inactive for an extended period

12.3 Effect of Termination

Upon termination, your access to our services will cease, but certain provisions of these Terms will survive, including payment obligations, intellectual property rights, and limitation of liability.

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms are governed by and construed in accordance with the laws of [Jurisdiction], without regard to conflict of law principles.

13.2 Dispute Resolution

We encourage informal resolution of disputes. If informal resolution is not possible:

• Disputes shall be resolved through binding arbitration
• Arbitration shall be conducted under [Arbitration Rules]
• Each party bears their own costs unless otherwise determined
• Class action lawsuits are waived

14. Miscellaneous Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and WolvPay regarding our services.

14.2 Amendments

We may modify these Terms at any time. Material changes will be communicated with at least 30 days advance notice. Continued use constitutes acceptance of modifications.

14.3 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

14.4 Assignment

You may not assign these Terms without our written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

14.5 Waiver

Our failure to enforce any provision does not constitute a waiver of that provision or any other provision.

15. Contact Information

For questions about these Terms of Service or legal matters, please contact us:

For urgent legal or compliance matters, please mark your communication as "URGENT" in the subject line.