Terms of Service for UniversalPay

1. Introduction

Welcome to UniversalPay. These Terms of Service (“Terms”) govern your use of UniversalPay’s payment gateway services, website, APIs, and related applications (collectively, the “Service”). By creating an account or using any part of the Service, you agree to these Terms.

2. Acknowledgment

These Terms govern the relationship between You and UniversalPay. By accessing or using the Service, You acknowledge that You have read, understood, and agree to be bound by these Terms. If You do not agree with any part of these Terms, You may not use the Service.

3. User Accounts

You agree to provide accurate, complete, and current information during account creation and to keep your credentials secure. You are solely responsible for any activity under your account and must notify Us immediately of any unauthorized access or security breach.

4. Payments, Fees, and Settlements

4.1 Transaction Fees

When you process a payment through UniversalPay, you are subject to our transaction fees, which will be disclosed at the time of the transaction or in your merchant dashboard. UniversalPay reserves the right to modify its fees with or without notice, subject to applicable law.

4.2 Settlements

All settlements are processed in your chosen cryptocurrency (e.g., USDT, BTC). You are responsible for providing a correct and secure wallet address. UniversalPay is not liable for losses incurred due to incorrect wallet addresses provided by you.

4.3 Network Fees

You are responsible for any blockchain network fees (e.g., "gas fees") associated with withdrawing funds from your UniversalPay account to your personal wallet.

5. Termination

We reserve the right to suspend or terminate Your account immediately and without notice if You violate these Terms or engage in fraudulent or abusive behavior.

Upon termination, Your right to use the Service will cease immediately. If you wish to terminate Your account, you may simply stop using the Service.

6. "As Is" and "As Available" Disclaimer

The Service is provided “as is” and “as available,” without warranties of any kind. To the fullest extent permitted by law, UniversalPay disclaims all express or implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.

7. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Country], without regard to conflict of law provisions. Your use of the Service may also be subject to other local, state, national, or international laws.