Terms and Conditions

PLEASE READ THESE TERMS CAREFULLY. THIS DOCUMENT IS A LEGAL AGREEMENT BETWEEN YOU AND ACROSSPAY (REFERRED TO AS “AcrossPay”, “we”, “us”, OR “our”). BY ACCESSING OR USING THE ACROSSPAY WEBSITE, MOBILE APPLICATION, BROWSER EXTENSION, SOFTWARE, SERVICES, OR ANY RELATED FUNCTIONALITY (COLLECTIVELY, THE “SITE”, THE “APP”, OR THE “FUNCTIONALITY”), OR BY CLICKING AN “I AGREE” BUTTON WHERE PROVIDED, YOU ACCEPT AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT ACCESS OR USE THE SITE OR THE FUNCTIONALITY.

1. Overview

AcrossPay is a payments technology company focused on bridging crypto and fiat payments. Our products and services are designed to let users view, send, receive, and interact with certain blockchain-based digital assets and to enable crypto-to-fiat payment flows via integrated third parties (collectively, the “Services”). The Site is primarily informational and provides product descriptions, documentation, developer resources, and downloads. The App (which may be a mobile application, browser extension, or other software) enables users to interact with supported blockchains, connect to third-party decentralized applications (Dapps), access swap functionality, and use crypto-to-fiat rails offered through partnerships.

Key plain-English points:

The Site is informational, it does not require login and does not collect personal data except for optional feedback you voluntarily submit.
The App may permit you to self-custody Digital Assets, connect to third parties, and use crypto-to-fiat functionality. AcrossPay is not a custodian of your Digital Assets and does not control your private keys unless you explicitly opt into a separate custodial product offered by a third party.
The App may enable spending crypto through partner card rails (for example, Visa-linked flows) — in those flows, crypto is converted to fiat at the point of payment by third-party partners; across that process, the merchant receives fiat currency and not crypto. Specifics are described below.

These Terms and our Privacy Policy (the “Privacy Policy”) govern your access to and use of the Site, the App, and the Services. The Privacy Policy is incorporated by reference.

Key plain-English points:

The Site is informational, it does not require login and does not collect personal data except for optional feedback you voluntarily submit.
The App may permit you to self-custody Digital Assets, connect to third parties, and use crypto-to-fiat functionality. AcrossPay is not a custodian of your Digital Assets and does not control your private keys unless you explicitly opt into a separate custodial product offered by a third party.
The App may enable spending crypto through partner card rails (for example, Visa-linked flows) in those flows, crypto is converted to fiat at the point of payment by third-party partners; across that process, the merchant receives fiat currency and not crypto. Specifics are described below.

These Terms and our Privacy Policy (the “Privacy Policy”) govern your access to and use of the Site, the App, and the Services. The Privacy Policy is incorporated by reference.

Key plain-English points:

The Site is informational, it does not require login and does not collect personal data except for optional feedback you voluntarily submit.
The App may permit you to self-custody Digital Assets, connect to third parties, and use crypto-to-fiat functionality. AcrossPay is not a custodian of your Digital Assets and does not control your private keys unless you explicitly opt into a separate custodial product offered by a third party.
The App may enable spending crypto through partner card rails (for example, Visa-linked flows) — in those flows, crypto is converted to fiat at the point of payment by third-party partners; across that process, the merchant receives fiat currency and not crypto. Specifics are described below.

These Terms and our Privacy Policy (the “Privacy Policy”) govern your access to and use of the Site, the App, and the Services. The Privacy Policy is incorporated by reference.

2. Definitions

“Digital Assets” means cryptocurrencies, tokens, stablecoins and other blockchain-based digital assets supported by the App. Supported Digital Assets may vary by jurisdiction and may be added or removed at our discretion.

“User Content” means any content you submit to the Site or App (including feedback, text, images, messages, and other materials).
“Third-Party Functionality” means services, exchanges, market makers, liquidity providers, card networks, banks, payment processors, Dapps, or other third parties you access or that integrate with the App.
“Swapper” means any third-party service, market maker, aggregator or exchange that provides quotes or executes swaps presented through the App.
“Authentication Methods” means private keys, seed phrases, passwords, recovery phrases, biometric credentials, cloud-based key backups, or any authentication mechanism used to access a wallet or account.
“Visa-linked flow (or card flow)” refers to a payment flow in which the App (or a partner) converts a user’s Digital Asset into fiat currency and routes a fiat payment through a card network (for example, Visa) so that the merchant receives fiat currency.

“Digital Assets” means cryptocurrencies, tokens, stablecoins and other blockchain-based digital assets supported by the App. Supported Digital Assets may vary by jurisdiction and may be added or removed at our discretion.

“User Content” means any content you submit to the Site or App (including feedback, text, images, messages, and other materials).
“Third-Party Functionality” means services, exchanges, market makers, liquidity providers, card networks, banks, payment processors, Dapps, or other third parties you access or that integrate with the App.
“Swapper” means any third-party service, market maker, aggregator or exchange that provides quotes or executes swaps presented through the App.
“Authentication Methods” means private keys, seed phrases, passwords, recovery phrases, biometric credentials, cloud-based key backups, or any authentication mechanism used to access a wallet or account.
“Visa-linked flow (or card flow)” refers to a payment flow in which the App (or a partner) converts a user’s Digital Asset into fiat currency and routes a fiat payment through a card network (for example, Visa) so that the merchant receives fiat currency.

“Digital Assets” means cryptocurrencies, tokens, stablecoins and other blockchain-based digital assets supported by the App. Supported Digital Assets may vary by jurisdiction and may be added or removed at our discretion.

“User Content” means any content you submit to the Site or App (including feedback, text, images, messages, and other materials).
“Third-Party Functionality” means services, exchanges, market makers, liquidity providers, card networks, banks, payment processors, Dapps, or other third parties you access or that integrate with the App.
“Swapper” means any third-party service, market maker, aggregator or exchange that provides quotes or executes swaps presented through the App.
“Authentication Methods” means private keys, seed phrases, passwords, recovery phrases, biometric credentials, cloud-based key backups, or any authentication mechanism used to access a wallet or account.
“Visa-linked flow (or card flow)” refers to a payment flow in which the App (or a partner) converts a user’s Digital Asset into fiat currency and routes a fiat payment through a card network (for example, Visa) so that the merchant receives fiat currency.

3. Agreement to Terms : Privacy Policy

By using the Site or the Services you: (a) accept and agree to be bound by these Terms; (b) represent and warrant that you have authority to accept these Terms; and (c) acknowledge and consent to the collection, use, disclosure and other handling of information as described in our Privacy Policy. The Site’s informational pages generally do not collect personal data. If you provide feedback via a form or other channel, that feedback will be processed per the Privacy Policy.

We may modify these Terms from time to time. The latest version will be posted on the Site with an updated effective date. Continued use after changes are posted indicates acceptance of the revised Terms. If you do not agree with a modification, you must stop using the Site and the Services.

4. Eligibility : Legal Compliance

You may use the Site and the App only if you are legally permitted to do so in your country of residence and you are of the age of majority where you live (or otherwise legally able to enter binding contracts) and are not barred from using the Site or Services by applicable law.

By using the Services you represent and warrant that (a) you have the legal capacity to enter into these Terms; (b) you are not subject to trade or economic sanctions and are not on any denied or restricted party lists; and (c) you will comply with all applicable laws, including export, sanctions, and anti-money-laundering laws. AcrossPay may refuse, suspend, or terminate access at our discretion if you are not eligible.

5. Site (Informational) — No Login; Limited Collection

5. Site (Informational) - No Login; Limited Collection

5. Site (Informational) — No Login; Limited Collection

Our public website provides information about AcrossPay, product features, developer docs, and downloads. The Site:

does not require authentication for informational browsing.
does not collect personal data from ordinary visits (other than analytics implemented according to the Privacy Policy and any contact/feedback forms you voluntarily complete) and is not a transactional platform.

If you submit feedback or a support request, the personal information you provide will be processed in accordance with the Privacy Policy. We will not sell your feedback. If you do not wish to grant the license described in Section 10 for feedback, do not submit feedback.

Our public website provides information about AcrossPay, product features, developer docs, and downloads. The Site:

does not require authentication for informational browsing.
does not collect personal data from ordinary visits (other than analytics implemented according to the Privacy Policy and any contact/feedback forms you voluntarily complete) and is not a transactional platform.

Our public website provides information about AcrossPay, product features, developer docs, and downloads. The Site:

does not require authentication for informational browsing.
does not collect personal data from ordinary visits (other than analytics implemented according to the Privacy Policy and any contact/feedback forms you voluntarily complete) and is not a transactional platform.

6. Accounts, Wallets, and Self-Custody

Certain App features may require creating an account or wallet. Where the App enables a self-custody wallet:

You (not AcrossPay) control and hold Authentication Methods necessary to access and transfer your Digital Assets.
AcrossPay does not custody or hold your Digital Assets unless you explicitly opt into a separately provided custodial service by a third party. AcrossPay cannot access or restore your Authentication Methods if you lose them.
You are solely responsible for safeguarding your Authentication Methods. Anyone who obtains your Authentication Methods may access, transfer, or spend your Digital Assets.
AcrossPay is not responsible for any loss arising from your failure to secure Authentication Methods, or unauthorized access to them.

If the App offers optional cloud-backed key storage or custodial services via third parties, those services will be subject to separate terms and disclosures presented when you opt in.

Certain App features may require creating an account or wallet. Where the App enables a self-custody wallet:

You (not AcrossPay) control and hold Authentication Methods necessary to access and transfer your Digital Assets.
AcrossPay does not custody or hold your Digital Assets unless you explicitly opt into a separately provided custodial service by a third party. AcrossPay cannot access or restore your Authentication Methods if you lose them.
You are solely responsible for safeguarding your Authentication Methods. Anyone who obtains your Authentication Methods may access, transfer, or spend your Digital Assets.
AcrossPay is not responsible for any loss arising from your failure to secure Authentication Methods, or unauthorized access to them.

If the App offers optional cloud-backed key storage or custodial services via third parties, those services will be subject to separate terms and disclosures presented when you opt in.

Certain App features may require creating an account or wallet. Where the App enables a self-custody wallet:

You (not AcrossPay) control and hold Authentication Methods necessary to access and transfer your Digital Assets.
AcrossPay does not custody or hold your Digital Assets unless you explicitly opt into a separately provided custodial service by a third party. AcrossPay cannot access or restore your Authentication Methods if you lose them.
You are solely responsible for safeguarding your Authentication Methods. Anyone who obtains your Authentication Methods may access, transfer, or spend your Digital Assets.
AcrossPay is not responsible for any loss arising from your failure to secure Authentication Methods, or unauthorized access to them.

If the App offers optional cloud-backed key storage or custodial services via third parties, those services will be subject to separate terms and disclosures presented when you opt in.

7. Functionality — Crypto, Fiat, Swaps, and Visa-linked Flows

7. Functionality - Crypto, Fiat, Swaps, and Visa-linked Flows

7. Functionality — Crypto, Fiat, Swaps, and Visa-linked Flows

The App may enable you to:

View balances and transactions for supported blockchains and Digital Assets.
Connect to Dapps and third-party services.
Send and receive Digital Assets via supported blockchains.
Perform peer-to-peer or routed swaps where execution and quotes are provided by Swappers or other third parties.
Interact with third-party on/off ramp providers, banks, card networks, and processors to convert crypto to fiat (crypto-to-fiat) or fiat to crypto (fiat-to-crypto).

Crypto-to-Fiat via Card Networks (e.g., Visa) — How it works

When you choose to pay with crypto through a Visa-linked flow (or similar card network flow) using the App or a partner card/app:

Conversion at Point of Sale : At the moment of payment, the App or an integrated third-party partner converts your selected Digital Asset (for example, USDT, USDC, BTC) into fiat currency (for example, INR, USD) using live market quotes from Swappers, market makers, or exchange partners. Conversion rates and applicable fees may be different from market prices and are typically visible to you at the time you authorize the payment.

Card Network Processing : Once conversion completes, the payment is routed through the card network (for example, Visa) in the same way as a normal card transaction. The merchant receives fiat currency (not crypto) from the partner that processed the card transaction.
Settlement and Timing : Settlement to the merchant is handled through the card network and partner bank rails; timing and settlement mechanics are subject to the rules of the card network and the partner bank.
Third-Party Role : AcrossPay facilitates access to the conversion and card routing through partners but does not itself perform the conversion or act as a card network. The actual conversion, routing, authorization, and settlement are performed by third-party partners (exchanges, market makers, processors, card issuers, or banks).

Important points about Visa-linked or card flows:

AcrossPay relies on third-party partners for conversion and card processing. We do not guarantee availability, pricing, or settlement speed of partner services.  
Swap or conversion quotes presented in the App are estimates and may change before execution; final executed amounts, exchange rates, and third-party fees are determined at the time of execution.  
The merchant receives fiat currency; merchants do not receive crypto in a Visa-linked flow.  
Fees: network fees, conversion fees, partner fees, card processing fees, and any taxes are your responsibility and may be disclosed by the partner at the time of the transaction.

Liability: AcrossPay is not liable for partner errors, failed conversions, card network declines, or delays caused by partners or the card network. See Sections 12, 13 and 15 (Fees; Risk Acknowledgement; Limitation of Liability).

The App may enable you to:

View balances and transactions for supported blockchains and Digital Assets.
Connect to Dapps and third-party services.
Send and receive Digital Assets via supported blockchains.
Perform peer-to-peer or routed swaps where execution and quotes are provided by Swappers or other third parties.
Interact with third-party on/off ramp providers, banks, card networks, and processors to convert crypto to fiat (crypto-to-fiat) or fiat to crypto (fiat-to-crypto).

Crypto-to-Fiat via Card Networks (e.g., Visa) - How it works

When you choose to pay with crypto through a Visa-linked flow (or similar card network flow) using the App or a partner card/app:

Conversion at Point of Sale : At the moment of payment, the App or an integrated third-party partner converts your selected Digital Asset (for example, USDT, USDC, BTC) into fiat currency (for example, INR, USD) using live market quotes from Swappers, market makers, or exchange partners. Conversion rates and applicable fees may be different from market prices and are typically visible to you at the time you authorize the payment.

Card Network Processing : Once conversion completes, the payment is routed through the card network (for example, Visa) in the same way as a normal card transaction. The merchant receives fiat currency (not crypto) from the partner that processed the card transaction.
Settlement and Timing : Settlement to the merchant is handled through the card network and partner bank rails; timing and settlement mechanics are subject to the rules of the card network and the partner bank.
Third-Party Role : AcrossPay facilitates access to the conversion and card routing through partners but does not itself perform the conversion or act as a card network. The actual conversion, routing, authorization, and settlement are performed by third-party partners (exchanges, market makers, processors, card issuers, or banks).

Important points about Visa-linked or card flows:

AcrossPay relies on third-party partners for conversion and card processing. We do not guarantee availability, pricing, or settlement speed of partner services.  
Swap or conversion quotes presented in the App are estimates and may change before execution; final executed amounts, exchange rates, and third-party fees are determined at the time of execution.  
The merchant receives fiat currency; merchants do not receive crypto in a Visa-linked flow.  
Fees: network fees, conversion fees, partner fees, card processing fees, and any taxes are your responsibility and may be disclosed by the partner at the time of the transaction.

The App may enable you to:

View balances and transactions for supported blockchains and Digital Assets.
Connect to Dapps and third-party services.
Send and receive Digital Assets via supported blockchains.
Perform peer-to-peer or routed swaps where execution and quotes are provided by Swappers or other third parties.
Interact with third-party on/off ramp providers, banks, card networks, and processors to convert crypto to fiat (crypto-to-fiat) or fiat to crypto (fiat-to-crypto).

Crypto-to-Fiat via Card Networks (e.g., Visa) — How it works

When you choose to pay with crypto through a Visa-linked flow (or similar card network flow) using the App or a partner card/app:

Conversion at Point of Sale : At the moment of payment, the App or an integrated third-party partner converts your selected Digital Asset (for example, USDT, USDC, BTC) into fiat currency (for example, INR, USD) using live market quotes from Swappers, market makers, or exchange partners. Conversion rates and applicable fees may be different from market prices and are typically visible to you at the time you authorize the payment.

Card Network Processing : Once conversion completes, the payment is routed through the card network (for example, Visa) in the same way as a normal card transaction. The merchant receives fiat currency (not crypto) from the partner that processed the card transaction.
Settlement and Timing : Settlement to the merchant is handled through the card network and partner bank rails; timing and settlement mechanics are subject to the rules of the card network and the partner bank.
Third-Party Role : AcrossPay facilitates access to the conversion and card routing through partners but does not itself perform the conversion or act as a card network. The actual conversion, routing, authorization, and settlement are performed by third-party partners (exchanges, market makers, processors, card issuers, or banks).

Important points about Visa-linked or card flows:

AcrossPay relies on third-party partners for conversion and card processing. We do not guarantee availability, pricing, or settlement speed of partner services.  
Swap or conversion quotes presented in the App are estimates and may change before execution; final executed amounts, exchange rates, and third-party fees are determined at the time of execution.  
The merchant receives fiat currency; merchants do not receive crypto in a Visa-linked flow.  
Fees: network fees, conversion fees, partner fees, card processing fees, and any taxes are your responsibility and may be disclosed by the partner at the time of the transaction.

8. Third-Party Partners : KYC and Compliance

To provide crypto-to-fiat rails, swaps, card flows, and other regulated services, AcrossPay integrates with regulated third-party providers. These partners may require Know-Your-Customer (KYC) verification and will have their own terms, privacy practices, and disclosures. Your use of these partner services is subject to their rules. AcrossPay is not responsible for a partner’s compliance, policies, or conduct.

You must not use the Services to facilitate illegal activity, including but not limited to money laundering, financing of terrorism, fraud, or evasion of sanctions. AcrossPay may block, delay, or refuse transactions when required by law or if we reasonably suspect illicit activity.

9. Feedback and User Content

We welcome Feedback. By submitting Feedback or User Content (including via the Site feedback form, community channels, or direct communications), you grant AcrossPay a worldwide, perpetual, irrevocable, royalty-free, sublicensable and transferable license to use, reproduce, modify, publish, distribute, and otherwise exploit such Feedback and User Content for any purpose. Do not submit Feedback you do not want us to use.

You represent and warrant that you have rights to submit the User Content and that it does not violate third-party rights or applicable law. AcrossPay reserves the right to remove or disable access to any User Content that violates these Terms.

10. Intellectual Property

AcrossPay and its licensors own all right, title and interest in and to the Site, the App, the Services, and all related software, trademarks, logos, designs, text and images (“Our IP”). We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site and App solely to use the Services in accordance with these Terms. You may not copy, modify, distribute, reverse engineer, or create derivative works of Our IP except as expressly authorized in writing.

11. Acceptable Use and Prohibited Activities

You agree not to use the Site, App, or Services to:

Violate any law, regulation, or third-party right.
Impersonate another person or present false information.
Engage in fraud, market manipulation, or other misconduct.
Transmit or exchange assets derived from criminal activity.
Probe, scan, or test system vulnerability or breach security.
Scrape, harvest, or mine data from the Site, App, or Services.
Bypass usage limits, fees, or access controls; or otherwise misuse the Services or interfere with other users.
AcrossPay may suspend or terminate access for violations.

You agree not to use the Site, App, or Services to:

Violate any law, regulation, or third-party right.
Impersonate another person or present false information.
Engage in fraud, market manipulation, or other misconduct.
Transmit or exchange assets derived from criminal activity.
Probe, scan, or test system vulnerability or breach security.
Scrape, harvest, or mine data from the Site, App, or Services.
Bypass usage limits, fees, or access controls; or otherwise misuse the Services or interfere with other users.
AcrossPay may suspend or terminate access for violations.

You agree not to use the Site, App, or Services to:

Violate any law, regulation, or third-party right.
Impersonate another person or present false information.
Engage in fraud, market manipulation, or other misconduct.
Transmit or exchange assets derived from criminal activity.
Probe, scan, or test system vulnerability or breach security.
Scrape, harvest, or mine data from the Site, App, or Services.
Bypass usage limits, fees, or access controls; or otherwise misuse the Services or interfere with other users.
AcrossPay may suspend or terminate access for violations.

12. Fees, Estimates & Payments

AcrossPay or third parties may charge fees for certain Services. Where fees apply, they will be disclosed at the time a transaction or service is offered. You are responsible for network fees (e.g., gas), exchange fees, partner fees, card fees, and bank fees. Fee estimates shown in the App are illustrative; actual fees may differ. AcrossPay is not responsible for discrepancies in third-party fees.

13. Risk Acknowledgement and Disclosures

Using Digital Assets and crypto-enabled services involves significant risks, including but not limited to:

Market Risk : Digital Assets are volatile and may lose value.
Technical Risk : Networks may experience outages, delays, forks, congestion, or bugs.
Irreversibility : Many blockchain transactions are irreversible.
Third-Party Risk : Exchanges, market makers, partner banks or processors may have errors, downtime, or insolvency.
Security Risk : Theft due to hacks, phishing, or disclosure of Authentication Methods.
Regulatory Risk : Governments may change laws or restrict services.

AcrossPay is a technology provider and does not provide legal, tax, or investment advice. You must independently assess risks and seek professional advice where needed.

Using Digital Assets and crypto-enabled services involves significant risks, including but not limited to:

Market Risk : Digital Assets are volatile and may lose value.
Technical Risk : Networks may experience outages, delays, forks, congestion, or bugs.
Irreversibility : Many blockchain transactions are irreversible.
Third-Party Risk : Exchanges, market makers, partner banks or processors may have errors, downtime, or insolvency.
Security Risk : Theft due to hacks, phishing, or disclosure of Authentication Methods.
Regulatory Risk : Governments may change laws or restrict services.

AcrossPay is a technology provider and does not provide legal, tax, or investment advice. You must independently assess risks and seek professional advice where needed.

Using Digital Assets and crypto-enabled services involves significant risks, including but not limited to:

Market Risk : Digital Assets are volatile and may lose value.
Technical Risk : Networks may experience outages, delays, forks, congestion, or bugs.
Irreversibility : Many blockchain transactions are irreversible.
Third-Party Risk : Exchanges, market makers, partner banks or processors may have errors, downtime, or insolvency.
Security Risk : Theft due to hacks, phishing, or disclosure of Authentication Methods.
Regulatory Risk : Governments may change laws or restrict services.

AcrossPay is a technology provider and does not provide legal, tax, or investment advice. You must independently assess risks and seek professional advice where needed.

14. Warranty Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SITE, THE APP, THE SERVICES, AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY. ACROSSPAY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE. ACROSSPAY MAKES NO WARRANTIES REGARDING THIRD-PARTY FUNCTIONALITY, PRICING, OR AVAILABILITY, AND DOES NOT GUARANTEE UNINTERRUPTED OR ERROR-FREE OPERATION.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ACROSSPAY, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR LOST PROFITS, LOSS OF GOODWILL, LOSS OF DATA, OR OTHER INTANGIBLE LOSSES ARISING OUT OF OR IN CONNECTION WITH THESE TERMS, THE SITE, THE APP, THE SERVICES, OR YOUR USE THEREOF, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL ACROSSPAY’S AGGREGATE LIABILITY FOR DIRECT DAMAGES ARISING OUT OF OR RELATED TO THESE TERMS EXCEED THE GREATER OF (A) INR 7,500 (SEVEN THOUSAND FIVE HUNDRED RUPEES) FOR USERS LOCATED IN INDIA; OR (B) ONE HUNDRED U.S. DOLLARS (USD $100.00) FOR USERS LOCATED OUTSIDE INDIA, EXCEPT WHERE OTHERWISE REQUIRED BY APPLICABLE LAW.

Some jurisdictions do not allow the exclusion or limitation of certain damages; parts of this section may not apply to you.

16. Indemnification

You agree to indemnify, defend and hold harmless AcrossPay and its affiliates, officers, directors, employees, agents and licensors from any and all claims, liabilities, losses, damages, costs and expenses (including reasonable attorneys’ fees) arising from or related to: (a) your breach of these Terms; (b) your User Content; (c) your misuse of the Services; (d) your violation of law; or (e) your interactions with third parties via the Services.

17. Termination

AcrossPay may suspend or terminate your access to the Site or Services at any time for any reason, including for violation of these Terms or to comply with legal requirements. On termination you must cease use of the Services. Sections intended to survive termination (including Intellectual Property, Feedback license, Warranty Disclaimers, Indemnity, Limitation of Liability, Dispute Resolution, and General Terms) will continue to apply.

18. Dispute Resolution; Governing Law; Jurisdiction

Scope : These Terms govern all disputes arising from or relating to your use of the Site or Services.

India : If you are a resident of India, these Terms and any dispute or claim arising out of or in connection with them shall be governed by the laws of the Republic of India. Subject to the arbitration option below, the courts of Mumbai, Maharashtra shall have exclusive jurisdiction.
United States and Canada : If you reside in the United States or Canada, you and AcrossPay agree that most disputes will be resolved by final and binding arbitration on an individual basis (not as a class action), administered by JAMS under its Comprehensive Arbitration Rules and Procedures, except where prohibited by law. Arbitration will be governed by the Federal Arbitration Act. You may opt out of arbitration within thirty (30) days of first accepting these Terms by emailing legal@acrosspay.com with your name, address, and a clear statement that you do not agree to arbitrate.
International (Other Jurisdictions) : For users not resident in India, the United States, or Canada, these Terms shall be governed by the laws of the State of California, U.S.A., without regard to conflicts of law principles, unless local consumer protection laws require otherwise. Subject to mandatory local protections, you and AcrossPay agree that disputes will be resolved by binding arbitration administered by an arbitration provider selected by AcrossPay (or by court in California if arbitration is not available).
Exceptions & Injunctive Relief : Nothing in this section prevents either party from seeking injunctive or provisional relief in a court of competent jurisdiction to protect intellectual property rights or to prevent ongoing unlawful conduct.
Survival : Dispute resolution provisions survive termination.

Scope : These Terms govern all disputes arising from or relating to your use of the Site or Services.

India : If you are a resident of India, these Terms and any dispute or claim arising out of or in connection with them shall be governed by the laws of the Republic of India. Subject to the arbitration option below, the courts of Mumbai, Maharashtra shall have exclusive jurisdiction.
United States and Canada : If you reside in the United States or Canada, you and AcrossPay agree that most disputes will be resolved by final and binding arbitration on an individual basis (not as a class action), administered by JAMS under its Comprehensive Arbitration Rules and Procedures, except where prohibited by law. Arbitration will be governed by the Federal Arbitration Act. You may opt out of arbitration within thirty (30) days of first accepting these Terms by emailing legal@acrosspay.com with your name, address, and a clear statement that you do not agree to arbitrate.
International (Other Jurisdictions) : For users not resident in India, the United States, or Canada, these Terms shall be governed by the laws of the State of California, U.S.A., without regard to conflicts of law principles, unless local consumer protection laws require otherwise. Subject to mandatory local protections, you and AcrossPay agree that disputes will be resolved by binding arbitration administered by an arbitration provider selected by AcrossPay (or by court in California if arbitration is not available).
Exceptions & Injunctive Relief : Nothing in this section prevents either party from seeking injunctive or provisional relief in a court of competent jurisdiction to protect intellectual property rights or to prevent ongoing unlawful conduct.
Survival : Dispute resolution provisions survive termination.

Scope : These Terms govern all disputes arising from or relating to your use of the Site or Services.

India : If you are a resident of India, these Terms and any dispute or claim arising out of or in connection with them shall be governed by the laws of the Republic of India. Subject to the arbitration option below, the courts of Mumbai, Maharashtra shall have exclusive jurisdiction.
United States and Canada : If you reside in the United States or Canada, you and AcrossPay agree that most disputes will be resolved by final and binding arbitration on an individual basis (not as a class action), administered by JAMS under its Comprehensive Arbitration Rules and Procedures, except where prohibited by law. Arbitration will be governed by the Federal Arbitration Act. You may opt out of arbitration within thirty (30) days of first accepting these Terms by emailing legal@acrosspay.com with your name, address, and a clear statement that you do not agree to arbitrate.
International (Other Jurisdictions) : For users not resident in India, the United States, or Canada, these Terms shall be governed by the laws of the State of California, U.S.A., without regard to conflicts of law principles, unless local consumer protection laws require otherwise. Subject to mandatory local protections, you and AcrossPay agree that disputes will be resolved by binding arbitration administered by an arbitration provider selected by AcrossPay (or by court in California if arbitration is not available).
Exceptions & Injunctive Relief : Nothing in this section prevents either party from seeking injunctive or provisional relief in a court of competent jurisdiction to protect intellectual property rights or to prevent ongoing unlawful conduct.
Survival : Dispute resolution provisions survive termination.

19. Export Controls, Sanctions & Compliance

You may not use the Site or Services if you are located in, under the control of, or a national or resident of any country subject to comprehensive trade or economic sanctions (including, without limitation, jurisdictions sanctioned by applicable governmental authorities), or if you are listed on a denied or restricted parties list. You represent that you will comply with all applicable export controls, sanctions, and anti-money laundering laws.

20. Notices

We may provide notices by posting on the Site, via email, or through push notifications in the App. Notices to AcrossPay should be sent to: legal@acrosspay.com

21. Miscellaneous

Entire Agreement : These Terms, together with the Privacy Policy and any additional notices on the Site, constitute the entire agreement between you and AcrossPay regarding your use of the Services.

Assignment : You may not assign these Terms without our prior written consent. AcrossPay may assign or transfer these Terms without restriction.
Severability : If any provision is found invalid or unenforceable, the remaining provisions will remain in full force.
Waiver : Failure to enforce a provision does not constitute waiver of that provision.
Electronic Communications : By using the Services you consent to receiving electronic communications from us.
Language : These Terms are written in English. In the event of any translation, the English version controls.

Entire Agreement : These Terms, together with the Privacy Policy and any additional notices on the Site, constitute the entire agreement between you and AcrossPay regarding your use of the Services.

Assignment : You may not assign these Terms without our prior written consent. AcrossPay may assign or transfer these Terms without restriction.
Severability : If any provision is found invalid or unenforceable, the remaining provisions will remain in full force.
Waiver : Failure to enforce a provision does not constitute waiver of that provision.
Electronic Communications : By using the Services you consent to receiving electronic communications from us.
Language : These Terms are written in English. In the event of any translation, the English version controls.

Entire Agreement : These Terms, together with the Privacy Policy and any additional notices on the Site, constitute the entire agreement between you and AcrossPay regarding your use of the Services.

Assignment : You may not assign these Terms without our prior written consent. AcrossPay may assign or transfer these Terms without restriction.
Severability : If any provision is found invalid or unenforceable, the remaining provisions will remain in full force.
Waiver : Failure to enforce a provision does not constitute waiver of that provision.
Electronic Communications : By using the Services you consent to receiving electronic communications from us.
Language : These Terms are written in English. In the event of any translation, the English version controls.

22. Country & Platform Notices

India : Certain fiat transfers and card rails may require partner KYC and compliance checks. Local regulations may affect feature availability.  
United States / Canada : Some features may be restricted based on licensing, state/provincial law, or local regulator requirements.  
Other Jurisdictions : Feature availability, legal obligations, and disclosures may vary by country. It is your responsibility to ensure lawful use in your jurisdiction.

India : Certain fiat transfers and card rails may require partner KYC and compliance checks. Local regulations may affect feature availability.  
United States / Canada : Some features may be restricted based on licensing, state/provincial law, or local regulator requirements.  
Other Jurisdictions : Feature availability, legal obligations, and disclosures may vary by country. It is your responsibility to ensure lawful use in your jurisdiction.

India : Certain fiat transfers and card rails may require partner KYC and compliance checks. Local regulations may affect feature availability.  
United States / Canada : Some features may be restricted based on licensing, state/provincial law, or local regulator requirements.  
Other Jurisdictions : Feature availability, legal obligations, and disclosures may vary by country. It is your responsibility to ensure lawful use in your jurisdiction.

23. Changes to Functionality; Service Availability

AcrossPay may modify, suspend, or discontinue any part of the Site or Services at any time, with or without notice. We will use commercially reasonable efforts to notify users of material changes, but AcrossPay will not be liable for any modification, suspension, or discontinuation.

24. Contact

For support: support@acrosspay.com

For legal notices: legal@acrosspay.com

For support: support@acrosspay.com

For legal notices: legal@acrosspay.com

For support: support@acrosspay.com

For legal notices: legal@acrosspay.com

25. Acknowledgment

By using the Site or the App you acknowledge that you have read these Terms, understand them, and agree to be bound by them. You further acknowledge that you understand the risks described herein, including risks related to crypto-to-fiat conversions via card networks, and that you assume responsibility for decisions you make while using the Services.