Terms of Service

1. Agreement and scope

These Terms govern the public website, merchant portal, hosted checkout, payment links, APIs, transaction status services, refunds, conversion, reconciliation, and crypto or supported fiat settlement made available by iCronPay. Product availability may vary by Merchant, location, currency, payment method, transaction type, and risk review.

Use of the Services is also subject to our Privacy Policy, Cookie Policy, published pricing, technical documentation, and any policies or account notices incorporated by reference.

2. Definitions

• Customer means a person attempting or completing a payment to a Merchant.
• Digital Asset means a cryptocurrency, stablecoin, token, or other blockchain-based asset supported by iCronPay.
• Payment means an attempted or completed transfer through a supported blockchain network, exchange wallet, or other payment method.
• Settlement means the transfer of eligible funds to a Merchant in an approved Digital Asset or fiat currency.
• Services means the iCronPay website, portal, software, APIs, hosted payment experiences, transaction processing, reconciliation, conversion, refund, and settlement functions made available to a Merchant.

3. Eligibility and authority

An approved individual or legal entity may apply for an iCronPay account. An individual applicant must be at least 18 years old and legally capable of entering into a binding agreement. A person acting for a company or other organization represents that they have authority to bind it.

You may use the Services only where your business, products, customers, and use of Digital Assets are lawful. Service availability shown on the public website is informational and does not guarantee approval, onboarding, a particular payment method, or ongoing access.

4. Registration and account review

You must provide complete, current, and accurate information requested during application and throughout the relationship. Depending on the account and activity, we may request identity, business, ownership, website, product, transaction, source-of-funds, settlement, or other verification information. We may obtain verification and risk information from service providers or lawful public sources.

Our application process is designed to be lightweight, but all accounts remain subject to review. We may approve, reject, restrict, require additional information for, or close an account based on incomplete information, eligibility, product availability, risk, compliance, security, legal obligations, or other reasonable service considerations.

You are responsible for protecting credentials, using appropriate security controls, and promptly notifying us of suspected unauthorized access. Activity performed through your account may be treated as authorized until we receive and can act on a valid security notice.

5. Services and our role

iCronPay provides infrastructure that enables a Merchant to offer supported Digital Asset and exchange wallet payment methods, receive payment status, and request settlement. Subject to account configuration, you authorize us and our providers to receive payment instructions, temporarily process or hold eligible funds, perform conversions, deduct applicable charges, facilitate refunds, and disburse settlement for you.

iCronPay is not the seller of a Merchant's goods or services and is not a party to the agreement between a Merchant and its Customer. The Merchant remains responsible for product descriptions, pricing, delivery, quality, legality, customer service, refund promises, disputes, and all obligations owed to Customers.

The Services are not a bank account, savings product, custody investment, trading platform, or investment advisory service. Nothing on the website or in the Services is legal, tax, accounting, or investment advice.

6. Merchant duties

You agree to:

• Use the Services only for the approved business, websites, products, services, and transaction activity disclosed to iCronPay.
• Provide Customers with accurate prices, terms, refund information, privacy notices, and customer support.
• Deliver purchased goods or services and resolve Customer complaints or disputes directly and fairly.
• Maintain records reasonably necessary to identify orders, Customers, Payments, refunds, and settlement instructions.
• Keep account, ownership, contact, website, business activity, and settlement information current.
• Comply with applicable consumer protection, advertising, privacy, tax, sanctions, anti-money laundering, export, and other laws.
• Cooperate with reasonable security, risk, audit, compliance, and transaction information requests.

7. Prohibited and restricted use

You must not use or allow the Services to be used to:

• Facilitate illegal, fraudulent, deceptive, abusive, sanctioned, or unauthorized activity.
• Misrepresent your identity, business, products, Customers, location, transaction activity, or intended use.
• Evade review, limits, monitoring, fees, geographic restrictions, or another provider's controls.
• Infringe intellectual property, privacy, publicity, contractual, or other rights.
• Transmit malicious code, interfere with the Services, test security without authorization, scrape data, reverse engineer, or gain unauthorized access.
• Resell, sublicense, copy, mirror, or commercially exploit the Services except as expressly authorized in writing.
• Process activity for an undisclosed third party or act as an unapproved payment intermediary.

Restricted jurisdictions, activities, or products may be identified during onboarding, in account notices, or in separate policies. We may update restrictions to reflect legal, provider, security, or risk requirements.

8. Orders, payment instructions, and status

A payment request may specify an amount, Digital Asset, network or payment method, destination, exchange rate, and expiration time. A Customer must follow the displayed instructions before they expire. A Payment is completed only after iCronPay receives the confirmations or final status required for the relevant method.

Blockchain transfers are generally irreversible. Payments sent to the wrong address, on the wrong network, in an unsupported asset, after expiration, or for an incorrect amount may be delayed, unrecoverable, or require manual review. Status information is based on available network and provider data and may change before final confirmation.

The Merchant is responsible for matching fulfillment to the final payment status made available through the portal, hosted flow, or API. A pending or detected status is not the same as a completed and settled Payment.

9. Blockchain networks and exchange rates

Network confirmation times, fees, outages, reorganizations, forks, congestion, validator behavior, and other blockchain events are outside iCronPay's control. We may pause a network or payment method when reasonably necessary for safety, maintenance, compliance, or reliability.

Where a conversion or quoted price is used, the rate may come from one or more liquidity or exchange providers and may include a disclosed or embedded spread. A quote is valid only for the displayed period. Market movement, liquidity, network fees, payment timing, and third-party charges may affect the amount ultimately processed, refunded, or settled.

10. Fees and charges

You agree to pay the setup, monthly, transaction, withdrawal, conversion, network, refund, settlement, or other charges shown on our Pricing page, in the portal, or in a separate agreement. We may deduct amounts due from Payments or settlements where permitted.

Pricing tiers may depend on transaction volume, history, risk, currency, service configuration, or commercial agreement. We may change fees by publishing or communicating updated pricing as permitted by law and contract. Third-party network, bank, intermediary, or provider charges may apply in addition to iCronPay fees.

11. Settlement

Approved Merchants may request settlement in USDT, USDC, or supported fiat currencies, subject to account configuration and availability. Fiat settlement may be provided through third-party financial institutions and may require additional information, banking checks, currency conversion, minimum amounts, schedules, or fees.

T+1 settlement may be available depending on transaction volume and transaction timing. It is not guaranteed for every Merchant or transaction. Actual timing may also depend on account review, currency, banking cutoffs, holidays, network confirmation, liquidity, compliance checks, reserves, provider availability, and settlement destination.

You must provide accurate wallet or bank destination information. We are not responsible for losses caused by incorrect instructions supplied by you or an authorized account user. We may delay, withhold, offset, or review settlement where reasonably necessary for security, suspected fraud, refunds, unpaid charges, legal obligations, sanctions, transaction investigation, provider requirements, or a breach of these Terms.

12. Refunds and payment exceptions

Customers must first request a refund from the Merchant. The Merchant decides whether a purchase qualifies under its customer agreement and applicable law. iCronPay may facilitate an approved refund but does not decide the underlying product or service dispute.

A refund may require Customer identification, transaction evidence, a valid destination address, network availability, and sufficient Merchant funds. Because Digital Asset values and rates can change, the refunded asset or amount may differ from the original payment value. Network, conversion, and processing charges may be non-refundable where permitted.

Underpayments, overpayments, late payments, duplicated transfers, unsupported assets, wrong-network transfers, or canceled payment attempts may require manual review. Recovery is not guaranteed. A Customer and Merchant must provide accurate information and cooperate within a reasonable time.

13. Taxes

The Merchant is solely responsible for determining, collecting, reporting, withholding, and paying taxes, duties, levies, or assessments arising from its business, Customers, Payments, conversions, refunds, or settlements. iCronPay may report or withhold information or funds where required by applicable law.

14. Compliance, screening, and investigations

We may monitor accounts and transactions for fraud, sanctions, money laundering, terrorist financing, security threats, legal requests, or breaches of these Terms. This may include identity verification, sanctions screening, blockchain analytics, transaction monitoring, or requests for supporting records.

Our review supports iCronPay's own obligations and risk management. It does not replace the Merchant's duty to comply with laws applicable to its business or Customers. You represent that neither you nor, to your knowledge, persons controlling your account are subject to sanctions or restrictions that prohibit the Services.

We may reject, block, freeze, report, reverse where technically and legally possible, or refuse to complete activity when required by law or reasonably necessary to protect iCronPay, a Merchant, a Customer, a provider, or the public.

15. Third-party services

The Services depend on blockchain networks, exchange wallets, liquidity venues, identity providers, infrastructure vendors, banks, financial institutions, and other third parties. Their terms, outages, limits, errors, fees, eligibility decisions, and processing times may affect the Services.

iCronPay does not control decentralized networks or independent providers and is not responsible for third-party products or services beyond obligations that cannot lawfully be excluded. We may replace, add, suspend, or remove a provider or payment method without guaranteeing continuous availability.

16. Data and privacy

Our processing of personal information is described in the Privacy Policy. You authorize iCronPay and its providers to process and share data reasonably necessary to review an account, provide the Services, complete transactions and settlement, manage risk, support Customers, and comply with law.

You are responsible for ensuring that personal information submitted by or for you has been collected and disclosed lawfully, is accurate and relevant, and is accompanied by any required notice or consent. You must use transaction and Customer data received through iCronPay only for lawful business, support, compliance, and reconciliation purposes.

17. Intellectual property and license

iCronPay and its licensors retain all rights in the Services, software, APIs, documentation, website content, designs, trademarks, logos, and related materials. Subject to these Terms, we grant an approved Merchant a limited, revocable, non-exclusive, non-transferable license to access and use the Services for its approved internal business purposes.

You may use iCronPay names and brand materials only with written authorization and in accordance with brand guidance. Feedback may be used by iCronPay without restriction or payment, provided it does not identify confidential information as public.

18. Service availability and changes

We may maintain, update, modify, replace, or discontinue any part of the Services. We aim to operate reliable infrastructure but do not promise that access will always be uninterrupted, error-free, or available in every location, network, currency, or payment method.

You are responsible for maintaining appropriate integrations, monitoring status and documentation, protecting credentials, testing changes, and keeping reasonable business continuity procedures. Beta, preview, or experimental features may be changed or withdrawn at any time.

19. Suspension and termination

You may stop using the Services and request account closure, subject to outstanding Payments, settlements, refunds, fees, investigations, retention duties, and separate agreements. We may suspend, restrict, or terminate access immediately where reasonably necessary for security, suspected fraud, legal or provider requirements, prohibited activity, unpaid amounts, inaccurate information, material breach, insolvency, reputational risk, or protection of the Services.

After termination, licenses end and you must stop representing that you use or are approved by iCronPay. Provisions concerning fees, transactions, refunds, confidentiality, intellectual property, data, liability, indemnity, disputes, and other terms intended to survive will continue to apply.

20. Warranties and disclaimers

Each party represents that it has authority to enter into these Terms. iCronPay will provide the Services with reasonable care and skill, subject to the limitations stated here.

To the maximum extent permitted by law, the website and Services are provided "as is" and "as available." We disclaim implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, uninterrupted availability, error-free operation, or any guarantee concerning approval, payment completion, exchange rates, asset value, settlement timing, or third-party performance.

Digital Assets involve technical, legal, liquidity, volatility, fraud, network, and regulatory risks. You are responsible for evaluating whether the Services and supported assets are appropriate for your business.

21. Limitation of liability

To the maximum extent permitted by law, iCronPay and its affiliates, officers, employees, agents, and providers will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages; loss of profit, revenue, business, goodwill, data, or opportunity; Digital Asset price changes; network or provider failures; or unauthorized access caused by a Merchant's failure to protect credentials.

Nothing in these Terms excludes liability that cannot lawfully be excluded. Any remaining liability will be limited to the minimum extent permitted by applicable law, taking account of the Services and fees directly connected to the event. The limitations apply regardless of the legal theory and even where a party was advised that damage was possible.

22. Indemnity

To the extent permitted by law, you will defend, indemnify, and hold harmless iCronPay and its affiliates, officers, employees, agents, and providers from claims, losses, liabilities, penalties, damages, and reasonable costs arising from your products or services, Customer relationships, taxes, use of the Services, breach of these Terms, violation of law, infringement of rights, inaccurate information, or fraud or misconduct by you or your authorized users.

23. Confidentiality

Each party may receive non-public business, technical, security, pricing, transaction, or operational information from the other. The receiving party will protect that information with reasonable care, use it only for the relationship, and disclose it only to people and providers who need it and are subject to appropriate duties.

Confidential information does not include information that is lawfully public, already known without restriction, independently developed, or lawfully received from another source. A party may disclose information when legally required, where permitted after giving reasonable notice to the other party.

24. Force majeure

Neither party is responsible for delay or failure caused by events beyond its reasonable control, including natural disaster, war, civil unrest, labor disruption, internet or power failure, cyberattack, blockchain or banking interruption, government action, sanctions, epidemic, provider failure, or market disruption. The affected party will take reasonable steps to reduce the impact and resume performance.

25. Notices and communications

You agree to receive account, legal, security, transaction, and service communications electronically through email, the portal, the website, or other contact details associated with your account. You must keep those details current.

Questions about these Terms or formal notices to iCronPay may be sent to compliance@icronpay.com and to the address listed below. A notice is effective when received, subject to any different requirement in a signed agreement or applicable law.

26. General terms

• Entire agreement: These Terms and incorporated documents are the entire agreement on their subject and replace earlier discussions or statements.
• Severability: If a provision is unlawful or unenforceable, it will be limited or modified to the minimum extent necessary, and the remaining provisions continue.
• Waiver: A delay or failure to enforce a right is not a waiver. A waiver must be express and applies only to the stated circumstance.
• Assignment: You may not assign these Terms without our written consent. We may assign them in connection with a restructuring, financing, merger, sale, or transfer of the Services.
• No partnership: These Terms do not create employment, partnership, franchise, agency, fiduciary, or joint venture relationships except for the limited payment authority expressly described.
• Language: English is the controlling language. A translation is provided for convenience only.
• Headings: Headings assist navigation and do not change interpretation.

We may update these Terms by publishing a revised version or communicating it through the portal or account contact details. Unless law or a notice requires a later date, revised Terms take effect when posted. Continued use after the effective date constitutes acceptance.

27. Governing law and disputes

These Terms and any non-contractual obligations or disputes arising from or related to them, the website, an account, or the Services are governed by the laws of the Republic of the Marshall Islands, without regard to conflict-of-law principles.

The parties submit to the exclusive jurisdiction of the courts of competent jurisdiction in the Republic of the Marshall Islands for any dispute arising from or related to these Terms or the Services.