FacilPay: Terms of Service

Version: 1.2
Effective Date: January 22, 2026

1. Acceptance of These Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you and FacilPay (“FacilPay,” “we,” “us,” or “our”), a company registered in Miami, Florida.

The Services include the FacilPay website (https://www.facilpay.io), mobile applications, and all related software, features, and tools provided by FacilPay.

By accessing or using the Services, you agree to be bound by these Terms and our Privacy Policy.

2. Eligibility and Compliance

You must be at least 13 years old to use messaging features. Financial and payment-related features are restricted to individuals who are at least 18 years old.

You represent that you are not a prohibited person and agree to comply with applicable sanctions and export control laws administered by the United States, the United Nations, the European Union, or other relevant authorities.

3. Nature of the Services (Non-Custodial)

FacilPay provides a non-custodial software interface. We do not act as a bank, custodian, broker, or money transmitter.

We do not hold, store, or manage digital assets. Assets remain on the blockchain, and private keys remain on the user’s device.

Use of the Services does not create any fiduciary, agency, or advisory relationship.

4. Messaging and User Content

Messaging within FacilPay uses end-to-end encryption. FacilPay cannot access the plaintext content of communications and does not proactively moderate encrypted content.

FACILPAY DOES NOT PROVIDE ACCESS TO EMERGENCY SERVICES. Users must maintain alternative means of contacting emergency services.

5. User Security and Responsibility

Users are solely responsible for safeguarding recovery credentials. FACILPAY CANNOT RECOVER LOST SEED PHRASES.

FacilPay is not responsible for losses caused by device compromise, malware, phishing, or unauthorized access.

6. Blockchain Risks and Transaction Finality

Blockchain transactions are irreversible. FacilPay cannot reverse, cancel, or refund transactions once broadcast.

Network fees are paid to blockchain validators and not to FacilPay.

7. Third-Party Services

The Services may provide access to third-party decentralized applications or fiat on/off-ramps. These services operate independently and are governed by their own terms. Use of third-party services is at the user’s own risk.

8. Intellectual Property

All intellectual property rights in the Services belong to FacilPay. A limited, revocable, non-exclusive license is granted for lawful personal use.

9. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FACILPAY’S TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF USD $100 OR THE FEES PAID BY THE USER IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11. Indemnification

Users agree to indemnify and hold harmless FacilPay from claims arising out of use of the Services or violation of these Terms.

12. Dispute Resolution

Disputes shall be resolved through binding arbitration on an individual basis, except where prohibited by law.

13. Governing Law and Venue

These Terms are governed by the laws of the State of Florida, United States. Any non-arbitrable disputes shall be brought exclusively in the courts of Miami-Dade County, Florida.

14. Regional Provisions

For users in Mexico and Latin America, applicable consumer protection laws and ARCO data rights are respected.
For users in the European Union, mandatory consumer protection laws of the country of residence apply where required.

15. Miscellaneous

Provisions relating to intellectual property, warranties, liability limitations, indemnification, and dispute resolution survive termination.
These Terms constitute the entire agreement regarding the Services.

16. Contact

FacilPay Legal & Compliance
Email: legal@facilpay.io
Registered Office: 848 Brickell Avenue PH5, Miami, FL 33131