Terms of Service

These Terms of Service ("Terms") govern your access to and use of the Crypto IPG payment-processing platform and related services (the "Service") operated by [Company Legal Name] ("we", "us"). By creating an account or using the Service, you agree to these Terms.

1. What the Service is (and isn't)

Crypto IPG is a non-custodial tool. Cryptocurrency payments are sent by your customers directly to wallet addresses you control. We never take possession, custody, or control of your funds or private keys. We provide software that generates payment requests, watches public blockchains to detect and confirm payments, and notifies you. We are not a bank, money transmitter, exchange, custodian, or escrow, and we do not hold or move your money.

2. Eligibility & accounts

You must be legally able to enter into these Terms and operate your business lawfully. You are responsible for the accuracy of your account information, for safeguarding your credentials and API keys, and for all activity under your account. Enable two-factor authentication where available.

3. Your responsibilities

• Comply with all laws applicable to you and your customers, including consumer-protection, tax, sanctions, anti-money-laundering (AML), and know-your-customer (KYC) requirements.
• Provide correct wallet addresses. You bear all risk of funds sent to an address you configured.
• Deliver the goods/services your customers pay for, and handle your own refunds and disputes.
• Maintain your own records for accounting and tax purposes.

4. Prohibited use

You may not use the Service for unlawful activity, fraud, money laundering, terrorist financing, sanctioned parties or jurisdictions, or the sale of prohibited goods. We may suspend or terminate accounts that we reasonably believe violate these Terms or applicable law.

5. Fees & plans

Paid plans and their limits are described in the Service. Fees are billed per the plan you select. Blockchain network fees ("gas"/miner fees) are paid by the party sending the transaction and are outside our control.

6. Blockchain risks

• Irreversibility: blockchain transactions generally cannot be reversed. A refund is a new, separate transaction you choose to send.
• Volatility: cryptocurrency values fluctuate. Exchange rates shown are estimates from third-party sources at a point in time.
• Finality & confirmations: confirmation timing depends on the relevant network and is not guaranteed.
• Address accuracy: funds sent to an incorrect or compromised address may be unrecoverable.

7. Third-party services

The Service relies on third parties such as blockchain data providers, exchange-rate sources, and email delivery. We are not responsible for their availability or accuracy.

8. Availability & "as is"

The Service is provided "as is" and "as available" without warranties of any kind, to the maximum extent permitted by law. We do not warrant that the Service will be uninterrupted, error-free, or that every payment will be detected in a given time.

9. Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, or consequential damages, or for lost profits, lost funds, or missed/late payment detection. Our total liability for any claim relating to the Service is limited to the fees you paid us in the [three (3)] months before the event giving rise to the claim.

10. Indemnification

You agree to indemnify and hold us harmless from claims arising out of your use of the Service, your products, or your breach of these Terms or applicable law.

11. Termination

You may stop using the Service at any time. We may suspend or terminate access for violations of these Terms or where required by law.

12. Changes

We may update these Terms. Continued use after changes take effect means you accept the revised Terms.

13. Governing law

These Terms are governed by the laws of [Jurisdiction], without regard to conflict-of-laws rules. Disputes will be resolved in the courts of [Venue].

14. Contact

[Company Legal Name], [Address] — [support@yourdomain].