Terms of Service & Acceptable Use Policy

These Terms of Service (the "Terms") are a binding agreement between you (a "Merchant," "you," or "your") and Pagoramp Inc., a Delaware corporation with a registered address at 251 Little Falls Drive, Wilmington, DE 19808 ("Pagoramp," "we," "us," or "our"). By creating an account, accessing the Pagoramp dashboard, or using the Pagoramp API to accept payments, you agree to these Terms and to the Acceptable Use Policy in Section 8 below.

Pagoramp operates as a payment facilitator and independent sales organization (ISO) under sponsorship from licensed acquiring banks and processors. We onboard, underwrite, and provide you with access to card, crypto, and local payment rails, and settle you out in stablecoin (USDC/USDT) or, where available, fiat. Card processing and fund custody are performed by our sponsor banks and processors under their own regulatory licenses; Pagoramp is not itself a bank.

To use Pagoramp, you must complete Know-Your-Business (KYB) verification, including providing accurate business information, beneficial-owner identity documents, and any additional documentation we or our sponsor banks reasonably request. We may suspend, limit, or decline access to any payment method (including card processing) pending or following KYB review, at our discretion, without that affecting your ability to sign in to your dashboard.

You must be a legally registered business (or, where permitted, a sole proprietor) authorized to accept the payments you intend to process through Pagoramp, and you're responsible for the accuracy of everything you submit to us.

• Keep your account credentials, API keys, and webhook secrets confidential, and notify us promptly of any suspected compromise.
• Provide accurate product/service descriptions to your customers and honor the refund/cancellation terms you disclose to them.
• Comply with applicable law in every jurisdiction where you do business, including consumer protection, data protection, and anti-money-laundering law.
• Not use Pagoramp for any purpose prohibited by the Acceptable Use Policy in Section 8.

Platform fees are charged on collection and payout as disclosed in your dashboard and may vary by risk tier. High-risk merchants are subject to a rolling reserve (a percentage of each transaction held for a fixed period before release to your payout balance) as disclosed at onboarding. We may adjust fees or reserve terms with notice through the dashboard or by email.

You are responsible for chargebacks, disputes, and associated fees arising from transactions processed through your account. Pagoramp may withhold, offset against your available balance, or reverse settlement for transactions that are disputed, suspected fraudulent, or in breach of these Terms.

We may suspend or terminate your access to Pagoramp, in whole or in part, if we reasonably believe you've breached these Terms (including the Acceptable Use Policy), if required by a sponsor bank, processor, or law enforcement, or if your account presents a risk to Pagoramp or its partners. You may stop using Pagoramp at any time; amounts already collected on your behalf remain subject to standard settlement and reserve timelines.

You may not use Pagoramp to process payments for, or otherwise support, any of the following:

• Illegal goods or services under the law of any jurisdiction where you or your customers are located.
• Child sexual abuse material, or any content involving the sexual exploitation of minors.
• Human trafficking, or the facilitation of forced labor.
• Weapons, ammunition, or explosives sold in violation of applicable export or firearms law.
• Unlicensed gambling, unregistered securities offerings, or pyramid/Ponzi schemes.
• Malware, unauthorized network intrusion, or facilitation of fraud against third parties.
• Sanctioned individuals, entities, or countries under applicable OFAC, EU, or UN sanctions regimes.

Certain categories (including adult content, crypto services, nutraceuticals, and other higher-risk verticals) are permitted only under our high-risk program, with the additional underwriting and reserve terms described in Sections 3 and 5. See Risk Tiers for how these tiers determine onboarding, reserve, and fees. We may update this policy from time to time; the current version always governs.

Pagoramp is provided "as is." To the maximum extent permitted by law, Pagoramp disclaims all warranties, express or implied, and our aggregate liability arising out of or related to these Terms is limited to the fees you paid us in the three months preceding the claim. Neither party is liable for indirect, incidental, or consequential damages.

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles, and any dispute arising under them will be resolved in the state or federal courts located in Delaware.

We may update these Terms from time to time. If we make material changes, we'll notify you through the dashboard or by email before they take effect. Continuing to use Pagoramp after an update takes effect means you accept the revised Terms.

Questions about these Terms can be sent to [email protected], or by mail to Pagoramp Inc., 251 Little Falls Drive, Wilmington, DE 19808.