These Terms and Conditions (“Terms”) govern your use of the NorPay non-custodial crypto debit card (“Card”) and associated wallet services (“Services”). By using our Card and Services, you agree to be bound by these Terms. Please read them carefully before accessing or using the Services.
You are responsible for determining whether the use of the NorPay crypto debit card or any of the other NorPay services is legal in your jurisdiction and you shall not use the NorPay crypto debit card or any of the other NorPay services should such use be illegal in your jurisdiction. If you are uncertain, please seek independent legal advice.
NorPay provides decentralized crypto debit card platform. The Card is issued and payment settlements are managed by our partner, Paytend Europe and AirWallex Singapore. NorPay never holds any user funds. By using the Card, you acknowledge that you are entering into a separate agreement with Paytend Europe or AirWallex, depending on the card issued, and you agree to comply with their terms and conditions.
3.1. By entering into this Agreement, you acknowledge and confirm that you meet all the conditions set out hereinafter:
Residents of the following countries are not eligible to apply for the Card (“Prohibited Countries”):
(i) you are at least eighteen (18) years of age (or the applicable age of majority and contractual capacity in each qualifying jurisdiction);
(ii) you have the full right, power, and authority to agree to these Terms;
(iii) you are not resident or a Tax resident of, and do not otherwise have any relevant connection with, any Prohibited Countries;
(iv) you are not a resident or Tax resident of, and do not otherwise have any relevant connection with, any jurisdiction in which entry into or performing your obligations under these Terms is unlawful or restricted in any way or requires licensing, registration or approval of any kind;
(v) you are not impersonating any other person, operating under an alias or otherwise concealing your identity;
(vi) you are not located in, under the control of, or a national, citizen or resident of any Prohibited Countries;
(vii) you will not use the NorPay Card if any applicable laws in your country prohibit you from doing so in accordance with these Terms;
(viii) you are compliant with all Applicable Law requirements to which you are subject, including without limitation, all tax laws and regulations, exchange control requirements and registration requirements.
In the event that we subsequently ascertain that you have not met or do not meet any of these conditions anymore, we may suspend the provision of the NorPay Services to you and close your NorPay Account, and do not allow you to use the NorPay Services.
In the event that we subsequently ascertain that you have not met or do not meet any of these conditions anymore, we may suspend the provision of the NorPay Services to you and close your NorPay Account, and do not allow you to use the NorPay Services.
3.2. At any time, at our sole and absolute discretion, without liability to you, we can: (i) refuse your request for granting of a NorPay Crypto Debit Card; (ii) change the conditions for entering into the Agreement or use of the NorPay Crypto Debit Card; (iii) suspend the provision of the NorPay Crypto Debit Card or of all or part of the of the NorPay Services; or (iv) change, update, remove, cancel, suspend, disable or discontinue any features, component, content, incentive of the NorPay Crypto Debit Card.
3.2. To use our Services, you must go through the Know Your Customer (KYC) process, which is managed by Onfido (https://onfido.com/). You must provide accurate and complete information during the KYC process, and agree to keep your information up-to-date. NorPay reserves the right to suspend or terminate your access to the Services if you fail to comply with the KYC requirements.
You agree to use the Services only for lawful purposes and in compliance with these Terms and any applicable laws, regulations, and policies. You acknowledge that NorPay may, at its sole discretion, suspend or terminate your access to the Services without prior notice if you violate these Terms or any applicable laws.
NorPay, its affiliates, and partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Services, including but not limited to loss of profits, data, or business opportunities. You agree to indemnify and hold harmless NorPay, its affiliates, and partners from any claims, damages, or losses arising from your use of the Services.
NorPay may update these Terms from time to time. We will notify you of any changes by posting the updated Terms on our website. Your continued use of the Services after any changes to the Terms constitutes your acceptance of the revised Terms.
The regulatory status of the Digital Assets is currently unsettled, varies among jurisdictions and is subject to significantly uncertainty. It is possible that in the future, certain laws, regulations, policies or rules relating to the Digital Assets or blockchain technology, may be implemented, which would directly or indirectly affect or restrict the NorPay Crypto Debit Card or any of the other NorPay Services.
We may be forced to suspend or discontinue or to change aspects of the NorPay Crypto Debit Card or any of the other NorPay Services in any jurisdictions if demanded by the regulators or Applicable Law, without notice and for whatever reason. In such case the Digital Assets in your NorPay Account may be frozen for an indefinite period of time until the matter is definitively resolved. However, the funds in your wallet are in your control and we recommend transferring amounts which you are looking to spend added to the Norpay card via your wallet.
NorPay shall not be liable for any delay, error, interruption or failure to perform any obligation under these Terms, where the delay or failure is directly or indirectly resulting from any cause beyond our control, including but not limited to:
(i) acts of God, nature, court or government;
(ii) failure or interruption in public or private telecommunication networks, communication channels or information systems;
(iii) acts or omissions of acts of a party for whom we are not responsible;
(iv) delay, failure or interruption in, or unavailability of, third-party services;
(v) strikes, lockouts, labour disputes, wars, terrorist acts and riots.
You understand and agree that you use the NorPay Account and the NorPay Crypto Debit Card at your own risk. This section is not exhaustive and does not disclose all the risks associated with the Digital Assets and the use of the NorPay Crypto Debit Card and any of the other NorPay Services. You should, therefore, carefully consider whether such use is suitable for you in light of your circumstances and financial resources.
By using any of the NorPay Services, you confirm that you have read and accepted our Privacy Notice and understand how we and/or NorPay collect, use, disclose and share amongst ourselves your Personal Data and disclose such Personal Data to our authorised service providers and relevant third parties. For full and comprehensive information about when and why we collect personal information about you, how we use it, the conditions under which we may disclose it and how we keep it secure, please refer to our Privacy Notice, which is accessible at norpay.io/privacy
We do not provide any type of investment or financial credit advice. We may provide information concerning types of currencies and digital payment tokens, prices, and events that may have influenced prices, all of which should not be considered investment advice. If you require investment advice, you should contact a financial advisor. You are solely responsible for how you use our services and the financial results of your actions.
If any provision of these Terms shall be found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, the invalidity or unenforceability of such provision shall not affect the other provisions of these Terms and all provisions not affected by such invalidity or unenforceability shall remain in full force and effect. Such provision will be changed and interpreted to accomplish the objectives of the provision to the greatest extent possible under any Applicable Laws.
These Terms and any disputes or claims arising from your use of the Services shall be governed by and construed in accordance with the laws of the Lithuania where NorPay is registered. You agree to submit to the exclusive jurisdiction of the courts in that jurisdiction to resolve any disputes or claims.
By using the NorPay non-custodial Crypto Debit Card and associated Services, you agree to be bound by these Terms and Conditions.
.svg)
