Terms of Service

Effective Date: November 18, 2025

1. Introduction
   By using PagoPay, you agree to these Terms. If you disagree, please do not use the platform.
2. Eligibility
   Users must:
   1. Be at least 18 years old
   2. Reside in Canada
   3. Not be subject to OFAC or other sanctions
3. Services Offered
   PagoPay provides:
   – Prepaid virtual and physical card services
   – Custodial crypto wallets
   – Fiat and crypto on-ramping/off-ramping
   – FX conversion and balance transfers
4. Account Responsibilities
   1. Users are responsible for keeping login credentials secure
   2. Any unauthorized access must be reported immediately
5. Fees & Charges
   1. Card issuance and monthly fees apply
   2. FX conversion and crypto conversion may include markups
   3. See app for up-to-date pricing
6. Fraud & Chargebacks
   Fraud and chargeback handling is managed by our issuer partner, NCS Financial Services Group.
   PagoPay assists with documentation collection and Level 1 support.
7. Marketing Communications
   Users may receive emails and push notifications. These can be managed via in-app settings.
8. Disclaimers & Liability
   1. PagoPay disclaims liability for:
   2. Loss of funds due to crypto volatility or unauthorized access
   3. Delays or downtimes caused by third-party infrastructure
9. Dispute Resolution
   All disputes are governed by the laws of Québec, Canada. Binding arbitration will be used for
   any disputes arising from use of our services.
10. Modifications
    We may revise these Terms. Continued use of the platform constitutes acceptance of the new Terms.