1. Introduction

Yapay provides online and offline payment solutions for businesses and consumers. By using our platform, you confirm that you are at least 18 years old and have the legal capacity to enter into this agreement.

2. Use of Services

• You agree to use Yapay only for lawful purposes.
• You are responsible for maintaining the confidentiality of your account credentials.
• Yapay reserves the right to suspend or terminate accounts that misuse the platform.

3. Payment Processing

• Transactions are subject to verification and approval.
• Yapay supports multiple payment methods (credit/debit cards, wallets, bank transfers, etc.).
• We do not guarantee real-time settlement for all payment methods.

4. Fees & Pricing

• Fees vary depending on the selected plan (Starter, Professional, Enterprise).
• All applicable taxes and charges will be disclosed before billing.
• Failure to pay fees may result in suspension of services.

5. Refunds & Disputes

• Refunds are subject to the policies of the merchant you transact with.
• Yapay is not liable for disputes between buyers and sellers but may assist in resolving issues where possible.

6. Security & Data Protection

• Yapay uses encryption, fraud detection, and industry-standard measures to secure transactions.
• By using our services, you consent to our Privacy Policy.

7. Prohibited Activities

• Money laundering or illegal financial activity.
• Fraudulent transactions or false information.
• Activities that violate local or international laws.

8. Limitation of Liability

• Yapay is not responsible for indirect, incidental, or consequential damages arising from your use of our services.
• Maximum liability is limited to the fees paid to Yapay in the last 3 months.

9. Termination

We may suspend or terminate your account without notice if you violate these Terms.

10. Changes to Terms

Yapay reserves the right to update these Terms at any time. Continued use of our services means you accept the updated Terms.

11. Governing Law

These Terms are governed by and construed under the laws of [Insert Country]. Any disputes shall be resolved in the courts of [Insert Jurisdiction].

12. Contact Us

For questions regarding these Terms, please contact:

1. 📧 Email: support@yapay.com
2. 📞 Phone: +55 232 743 293
3. 🏢 Address: 127 Mercer Street, SoHo, New York, USA