Last Updated: April 16, 2025

XPayr ("Platform") is a smart contract-based platform that provides payment collection services using cryptocurrencies (ETH, BNB, USDC, USDT). This User Agreement ("Agreement") sets forth the rules and conditions governing your use of the Platform. By using or registering on the Platform, you agree to this Agreement and all related policies.

1. Scope of Services

1.1. Service Description: XPayr enables users to create products or services and receive cryptocurrency payments via payment links, QR codes, or API integrations.

1.2. Smart Contracts: Payments are processed entirely through blockchain-based smart contracts. The Platform does not store, control, or act as a custodian of user funds.

1.3. Fees: The Platform automatically collects commission fees for each transaction through smart contracts. Commission rates and distribution details are published on the Platform’s website.

1.4. Blockchain Networks: The Platform operates on blockchain networks such as Base and Binance Smart Chain (BSC). Gas fees are subject to the conditions of the respective blockchain network and are not covered by the Platform.

2. Usage Restrictions

2.1. Geographic Restrictions: The Platform may not be used by citizens, residents, or entities of the following countries or regions:

United States of America (USA)

European Union (EU) countries

Japan, Singapore, Turkey, North Korea, Iran, Syria, Sudan, Cuba, or other countries subject to international sanctions.

The Platform complies with the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC) and other international sanctions lists. Transactions with sanctioned individuals or entities are prohibited.

2.2. IP Blocking: The Platform implements technical measures to block IP addresses from these regions. Attempting to bypass these restrictions using VPNs, proxies, or other methods is prohibited and may result in account suspension.

2.3. Age Restriction: You must be at least 18 years old to use the Platform.

2.4. Prohibited Activities: The Platform may not be used for illegal activities, fraud, money laundering, terrorist financing, or other unlawful purposes.

3. KYC/AML Policy

3.1. Identity Verification: The Platform implements Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures to prevent money laundering and terrorist financing. Users must provide a valid identification document (e.g., passport, driver’s license) during registration.

3.2. Suspicious Transactions: The Platform reserves the right to manually review suspicious transactions and suspend or terminate user accounts as necessary.

3.3. Legal Reporting: Suspicious activities may be reported to relevant legal authorities.

4. User Responsibilities

4.1. Lawful Use: You agree to use the Platform solely for lawful purposes.

4.2. Tax Obligations: You are solely responsible for any tax obligations arising from cryptocurrency transactions. The Platform does not provide tax advice or handle tax filings.

4.3. Account Security: You are responsible for securing your account. The Platform is not liable for the loss of passwords or private keys.

4.4. Accurate Information: You guarantee that all information provided to the Platform is accurate, complete, and up-to-date.

5. Limitation of Liability

5.1. Smart Contract Errors: The Platform is designed to ensure the proper functioning of smart contracts. The Platform may engage third-party audit firms to ensure the reliability of its smart contracts, and audit reports may be published at [website URL]. However, it is not liable for losses caused by blockchain network errors, vulnerabilities, or user errors.

5.2. Third-Party Services: The Platform is not responsible for damages arising from blockchain networks, wallet providers, or other third-party services.

5.3. Loss of Funds: The Platform is not liable for the loss of user funds, technical disruptions, or damages caused by cyberattacks.

5.4. No Service Guarantee: The Platform does not guarantee that services will be uninterrupted or error-free.

6. Termination of Agreement

6.1. Account Termination: The Platform reserves the right to suspend or terminate user accounts without notice for violations of this Agreement.

6.2. Legal Cooperation: In cases of suspicious activity, the Platform may provide user information to legal authorities.

6.3. User Termination: You may close your account at any time. However, any incomplete transactions or unpaid fees remain your responsibility.

7. Intellectual Property

7.1. All content, designs, logos, and software of the Platform are owned by XPayr and protected by copyright, trademark, or other intellectual property laws.

7.2. Users may not copy, distribute, or use the Platform’s content for commercial purposes without permission.

8. Amendments

8.1. The Platform reserves the right to update this Agreement at any time. Updates will be published on the Platform’s website and take effect upon publication.

8.2. By continuing to use the Platform after updates, you agree to the revised terms.

9. Contact

For questions or support requests:

Email: support@xpayr.com

Website: xpayr.com

10. Governing Law and Dispute Resolution

10.1. This Agreement shall be interpreted and enforced in accordance with generally accepted principles of international commercial contracts.

10.2. Any disputes arising between the parties shall first be resolved through good-faith negotiations. If the dispute cannot be resolved, it shall be settled through an international arbitration institution mutually agreed upon by the parties, conducted in English and in accordance with the rules of Singapore.

11. Data Protection and Privacy

11.1. The Platform collects and processes users’ personal data (e.g., identification documents, contact information) solely for KYC/AML procedures and service provision.

11.2. User data is securely stored and shared with relevant authorities only for legal obligations or reporting suspicious activities.

11.3. The Platform publishes its data protection policies in detail at [Privacy Policy URL]. Users should review this policy and, by using the Platform, consent to the data processing practices.

11.4. Users may exercise their rights regarding personal data (access, correction, deletion, etc.) by contacting support@xpayr.com.

12. Regulatory Compliance

12.1. The Platform is committed to complying with applicable laws and regulations. Due to legal or regulatory changes, the Platform may restrict, suspend, or terminate certain services.

12.2. Users must ensure compliance with their local cryptocurrency regulations before using the Platform. The Platform is not responsible for users’ non-compliance with local laws.

13. Acknowledgment of Risks

13.1. Users acknowledge that cryptocurrency transactions involve risks, including volatility, technical disruptions, smart contract errors, and blockchain network issues.

13.2. The Platform is not liable for losses arising from these risks. Users should evaluate these risks before using the Platform.

14. Right to Refuse Service

14.1. The Platform reserves the right to refuse service to any user or transaction for legal, regulatory, or operational reasons.

14.2. Such decisions may be made without notice and at the Platform’s discretion.

15. Force Majeure

15.1. The Platform is not liable for failure to provide services due to natural disasters, cyberattacks, blockchain network disruptions, government regulations, or other events beyond its control.