Amapay User Agreement

1. Acceptance of Terms

By accessing and using Amapay's money transfer services ("Services"), you agree to be bound by this User Agreement ("Agreement"). If you do not agree to these terms, you should not use our Services.

2. Services Description

Amapay provides international money transfer services that allow you to send funds to individuals and businesses in various countries. Our Services include:

• International money transfers
• Digital payment processing
• Currency conversion services
• Transaction tracking and notifications
• Customer support services

3. Eligibility Requirements

To use Amapay Services, you must:

• Be at least 18 years of age
• Have a valid government-issued identification
• Reside in a country where Amapay operates
• Comply with all applicable laws and regulations
• Provide accurate and complete information during registration

4. Account Registration and Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying Amapay immediately of any unauthorized use
• Providing accurate and up-to-date information

5. Transaction Terms

When using our Services, you agree that:

• All transaction information you provide is accurate and complete
• You have sufficient funds to complete transactions
• You will not use Services for illegal or prohibited activities
• You are responsible for any taxes related to your transactions
• Transaction processing times may vary by destination

6. Fees and Exchange Rates

Amapay charges fees for our Services, which may include:

• Transfer fees based on amount and destination
• Currency conversion fees
• Payment processing fees
• All fees are disclosed before you confirm transactions

7. Prohibited Uses

You may not use Amapay Services for:

• Illegal activities or transactions
• Money laundering or terrorist financing
• Fraudulent transactions
• Purchases of illegal goods or services
• Transactions that violate sanctions or export controls

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Notice, which is incorporated into this Agreement by reference.

9. Limitation of Liability

Amapay's liability is limited as follows:

• We are not liable for losses beyond our control
• We are not responsible for errors in recipient information
• Our maximum liability is limited to the transaction amount
• Some jurisdictions do not allow limitation of liability

10. Dispute Resolution

Disputes will be resolved through:

• Good faith negotiation between parties
• Mediation if direct negotiation fails
• Binding arbitration as a final resort
• Governing law of the jurisdiction where you reside

11. Termination

Either party may terminate this Agreement:

• At any time with written notice
• Immediately for material breaches
• If required by law or regulatory authorities
• Termination affects access to Services but not existing obligations

12. Modification of Terms

Amapay may modify this Agreement:

• At any time with prior notice to users
• Changes become effective upon posting
• Continued use constitutes acceptance of modifications
• Material changes will be highlighted in communications

13. Contact Information

For questions about this User Agreement, please contact:

• Email: info@amapay.com
• Mail: Amapay Legal Department, 16192 Coastal Hwy, Lewes, DE 19958