Consumer Terms of Use

1. Introduction

These Payclave Consumer Terms of Use ("Terms") govern access to and use of Payclave by an individual or entity that views a Payclave hosted checkout page, uses a Payclave payment status page, connects a wallet, signs or submits a blockchain transaction, scans or copies payment instructions, downloads a receipt, contacts Payclave support about a checkout, or otherwise uses Payclave to pay a merchant ("Customer", "you", or "your").

Payclave is non-custodial crypto checkout orchestration software for merchants. Merchants use Payclave to create hosted checkout sessions, invoices, payment records, payment status pages, onchain verification records, audit trails, and webhook notifications. Customers use Payclave checkout pages to pay merchant invoices from their own wallet or, where available, by sending a supported token from a supported wallet, exchange, or payment app to a checkout address.

Payclave does not sell the merchant's goods or services. Payclave does not hold your funds, manage your wallet, provide a customer wallet, provide private key management, provide fiat settlement, provide exchange services, provide buyer protection, or decide whether a merchant must fulfill, cancel, refund, replace, or support your order.

The core payment flow is:

Customer wallet -> Merchant wallet

The product flow is:

Merchant website
-> Payclave hosted checkout
-> payment orchestration
-> you review and authorize payment
-> funds arrive directly in the merchant wallet
-> Payclave verifies onchain independently
-> invoice status updates
-> Payclave notifies the merchant
-> merchant fulfills order according to merchant terms

By accessing a Payclave checkout page, using a Payclave status page, connecting a wallet, signing a transaction, submitting a transfer, or otherwise using the Services, you agree to these Terms. If you do not agree, do not use Payclave and do not authorize a payment through Payclave.

2. Contracting Entity and Related Documents

These Terms are between you and [PAYCLAVE LEGAL ENTITY], a [ENTITY TYPE] organized under the laws of [JURISDICTION] ("Payclave", "we", "us", or "our").

The following documents are incorporated by reference when applicable:

• Payclave Privacy Policy.
• Payclave Cookie Policy, if published.
• Payclave Acceptable Use Policy, if published separately.
• Payclave checkout disclosures shown during a checkout session.
• Merchant's own terms, refund policy, privacy notice, shipping policy, product terms, support policy, and order terms.
• Any third-party wallet, token, chain, bridge, routing, payment orchestration, or provider terms that apply to your selected payment method.

If these Terms conflict with merchant terms about the goods or services you buy, merchant terms control only for the merchant's goods, services, fulfillment, refunds, and customer support. These Terms control your use of Payclave checkout, Payclave payment status pages, Payclave verification records, and Payclave software.

3. Definitions

"Checkout Address" means a blockchain address or payment instruction shown by Payclave for a specific checkout session, including any one-time address, deposit address, QR code, payment URI, or wallet transaction request.

"Checkout Session" means a Payclave-hosted checkout page or checkout object created by a Merchant for a Customer payment.

"Customer Content" means information, wallet addresses, contact details, messages, support details, metadata, transaction information, or other content you provide to Payclave or submit through the Services.

"Invoice" means a merchant invoice or payment request created through Payclave, including amount, currency, expiry, Merchant details, and payment status.

"Merchant" means the business, organization, developer, creator, seller, platform, or other person using Payclave to request or receive payment.

"Merchant Content" means merchant-provided names, logos, product descriptions, order descriptions, prices, taxes, shipping details, metadata, support details, URLs, policies, and other merchant data displayed or used through Payclave.

"Payment Orchestration Provider" means a third-party service used to support wallet connection, route calculation, quotes, swaps, bridges, transaction execution, exact-output payment flows, or checkout address generation. This includes Trails where enabled by Payclave.

"Payment Record" means Payclave's record of a detected, validating, confirmed, failed, duplicate, underpaid, or overpaid payment attempt or transaction associated with an Invoice or Checkout Session.

"Services" means Payclave's website, hosted checkout pages, status pages, payment instructions, wallet-connection flow, checkout address flow, payment records, onchain verification, customer receipts, support interactions, and related customer-facing software.

"Supported Chain", "Supported Token", and "Supported Payment Method" mean the blockchain network, token contract, wallet flow, checkout address flow, and payment configuration made available by Payclave for a particular Checkout Session.

4. Payclave's Role

Payclave provides checkout software that helps Merchants request and verify stablecoin payments. Payclave is a technology provider to Merchants and a hosted checkout interface for Customers.

Payclave is not:

• The seller of the goods or services you purchase.
• Your agent or the Merchant's agent for deciding purchase disputes.
• A bank, card issuer, card network, money transmitter, broker, dealer, exchange, investment adviser, tax adviser, legal adviser, or wallet provider.
• A custodian of your funds.
• A provider of buyer protection, chargebacks, escrow, insurance, warranties, delivery guarantees, or refund guarantees.
• A party to the sales contract between you and the Merchant, except for Payclave's own Services under these Terms.

The Merchant is responsible for the goods or services you buy, the order price, taxes, delivery, fulfillment, returns, refunds, support, warranty claims, cancellation rights, and customer disputes.

5. Eligibility

You may use Payclave only if:

• You are at least 18 years old or the age of legal majority in your jurisdiction, whichever is higher.
• You have legal capacity to agree to these Terms.
• You are legally permitted to use crypto assets, stablecoins, wallets, and blockchain networks in your jurisdiction.
• You are not subject to sanctions, export controls, blocked-person restrictions, or other legal restrictions that would prohibit your use of Payclave.
• You are not located in, resident in, organized under the laws of, or using Payclave from a jurisdiction where Payclave or the relevant Merchant is prohibited from offering checkout.
• Your use of Payclave does not violate applicable law, Merchant terms, wallet terms, token issuer terms, chain rules, or third-party provider terms.

Payclave may restrict, block, suspend, or decline access if we reasonably believe you are ineligible, sanctioned, restricted, high-risk, using a prohibited wallet address, violating these Terms, or creating legal, security, compliance, fraud, or operational risk.

6. Your Relationship With the Merchant

The Merchant, not Payclave, is responsible for:

• Product and service descriptions.
• Order accuracy.
• Prices, taxes, discounts, shipping, delivery, and fulfillment.
• Customer eligibility and age checks for merchant products.
• Merchant refund, return, cancellation, and warranty policies.
• Customer support.
• Product defects, service failures, delivery issues, missing items, and merchant disputes.
• Legal compliance for the merchant's goods, services, and customer relationship.

Before paying, you should review the Merchant's identity, website, order details, refund policy, privacy notice, delivery terms, support contact, and product terms. Do not pay if you do not trust the Merchant, do not recognize the order, disagree with the Merchant's terms, or believe the checkout page may be fraudulent.

Payclave may provide checkout records and payment status information, but Payclave does not decide whether the Merchant must fulfill, refund, cancel, replace, or support your order.

7. Checkout Information

Payclave checkout pages may display Merchant-provided information such as:

• Merchant name and logo.
• Invoice number.
• Checkout reference.
• Amount due.
• Currency.
• Product or order description.
• Expiry time.
• Merchant support contact.
• Settlement network and token.
• Payment instructions.
• Success, cancel, or return links.
• Receipt or status information.

Merchant Content may be inaccurate, incomplete, outdated, misleading, or unauthorized. Payclave may perform checks and may remove or restrict Merchant Content, but Payclave does not guarantee Merchant Content or the Merchant's goods, services, availability, identity, reputation, licensing, authorization, or customer support quality.

If checkout information looks wrong, stop and contact the Merchant before authorizing payment.

8. Supported Payment Methods

Payclave may support one or more payment methods for a Checkout Session, including:

• Wallet-connected payment, where you connect a wallet and review a transaction request.
• Pay-without-connecting flow, where you scan a QR code or copy a Checkout Address and send a supported token on a supported network.
• Other payment methods that Payclave may add, change, or remove.

Not every Checkout Session supports every wallet, token, chain, route, payment app, exchange, or payment method. Payclave may change supported methods at any time for security, compliance, provider, liquidity, reliability, or product reasons.

You are responsible for selecting the correct payment method, wallet, network, token, amount, and address. If you send the wrong token, wrong amount, wrong network, wrong recipient, unsupported asset, expired payment, duplicate payment, or otherwise incorrect transaction, the payment may fail, be delayed, be marked underpaid or overpaid, or be permanently lost.

9. Wallet-Connected Payments

If you use a wallet-connected payment flow:

• You are responsible for your wallet, private keys, seed phrase, devices, browser extensions, passwords, approvals, permissions, and wallet security.
• You must review the wallet transaction request before signing.
• You must confirm that the Merchant, amount, token, chain, and recipient details match the intended payment.
• You must not sign a transaction you do not understand or did not intend to authorize.
• Your wallet may show warnings, simulation results, approval prompts, permissions, spending caps, gas details, or route details. You are responsible for reviewing them.
• A transaction may require token approval, permit signature, payment signature, swap, bridge, contract call, or other onchain action.
• Your wallet provider may impose its own terms, fees, security requirements, supported chains, and limitations.

Payclave does not control your wallet and cannot recover funds lost because of wallet compromise, wrong signatures, malicious wallet software, insecure devices, phishing, seed phrase exposure, unauthorized approvals, or user error.

10. Pay-Without-Connecting and Checkout Addresses

If Payclave offers a pay-without-connecting flow for a Checkout Session, Payclave may display a Checkout Address, QR code, payment URI, or other payment instruction. You may use it to send payment from a supported wallet, exchange, or payment app without connecting a wallet to Payclave.

You must:

• Send only the supported token shown on the checkout page.
• Send only on the supported network shown on the checkout page.
• Send the exact payable amount shown, including any quoted fees if applicable.
• Complete the payment before the checkout expiry time.
• Use the Checkout Address only for the specific Checkout Session.
• Avoid reusing a Checkout Address for another purchase or later payment.
• Confirm that any exchange, wallet, or app you use can send the required token on the required network.
• Keep screenshots and transaction hashes for your own records.

Do not send unsupported tokens, unsupported networks, NFTs, test tokens, wrong amounts, multiple partial payments, late payments, or unrelated transfers to a Checkout Address. Payclave does not guarantee recovery of mistaken transfers. The Merchant may not be able or obligated to fulfill, credit, or refund mistaken transfers.

11. Payment Orchestration Providers

Payclave may use Payment Orchestration Providers to help prepare wallet transactions, calculate routes, generate quotes, identify supported assets, route payments, use bridges, use swaps, generate checkout addresses, estimate fees, or execute exact-output payment flows.

Payment Orchestration Providers may:

• Support only certain tokens, chains, wallets, routes, bridges, protocols, and jurisdictions.
• Decline, fail, delay, cancel, or change a route.
• Provide quotes that expire or change.
• Require you to sign transactions with your wallet.
• Charge or include network, bridge, routing, liquidity, protocol, exchange, spread, or provider fees.
• Experience downtime, congestion, slippage, liquidity constraints, bridge delays, smart contract issues, RPC issues, or chain reorganization events.
• Apply their own terms, risk controls, sanctions screening, and eligibility requirements.

Payclave does not control third-party chains, wallets, bridges, liquidity venues, token contracts, RPC providers, wallet software, Payment Orchestration Providers, exchanges, payment apps, or Merchant systems. Your use of third-party services may be subject to third-party terms and risks.

12. Quotes, Fees, and Network Costs

Checkout pages may show amounts, quotes, estimated fees, payable totals, route details, gas fees, bridge fees, liquidity fees, provider fees, network fees, or other costs. These amounts may change until the transaction is authorized and confirmed.

You are responsible for:

• Reviewing the amount due.
• Reviewing payable totals and fees.
• Paying required network fees or gas fees.
• Understanding that fees can fluctuate with network conditions.
• Understanding that a quote may expire.
• Understanding that a route may fail and require a new quote.
• Understanding that your wallet, exchange, or payment app may charge its own fees.

Payclave does not guarantee that a quote, route, fee, or transaction will remain available after the checkout page displays it. If fees rise, liquidity changes, a quote expires, or a route fails, you may need to restart checkout or choose a different payment method.

13. Transaction Authorization and Finality

Blockchain transactions are generally irreversible once submitted and confirmed. Unlike many card or bank payments, stablecoin payments may not include chargeback rights, card-network dispute rights, or bank reversal rights.

Before authorizing payment, you should confirm:

• You recognize the Merchant.
• You intend to buy the goods or services shown.
• The amount is correct.
• The token and network are correct.
• The recipient or Checkout Address is correct.
• The transaction is not expired.
• Your wallet or payment app has enough funds and network fees.
• You understand the Merchant's refund and cancellation policy.

After you authorize a transaction, Payclave may not be able to cancel, reverse, replace, speed up, or recover it.

14. Independent Onchain Verification

Payclave may independently verify payment activity before showing a Checkout Session or Invoice as paid. Verification may include checks for:

• Transaction hash.
• Chain ID.
• Recipient wallet.
• Token contract.
• Amount received.
• Invoice amount.
• Checkout expiry.
• Confirmation depth or finality.
• Duplicate transaction usage.
• Underpayment.
• Overpayment.
• Reverted or failed status.
• Risk signals.
• Provider event consistency.
• Internal idempotency and audit records.

Payclave may delay, reject, reverse, correct, or annotate a payment status if later information suggests the transaction was failed, reverted, duplicated, late, underpaid, overpaid, mismatched, risky, or otherwise not eligible to make the Invoice paid.

Payclave status information is an operational record for checkout and merchant notification. It is not legal, tax, accounting, investment, or financial advice.

15. Payment Statuses

Invoice statuses may include:

• pending: invoice created and awaiting payment.
• processing: payment activity detected or payment orchestration in progress.
• paid: payment verified according to Payclave rules.
• underpaid: verified amount is less than required.
• overpaid: verified amount is greater than required.
• expired: invoice expired before eligible payment was verified.
• failed: payment could not be completed or verified.
• cancelled: invoice was cancelled.

Payment statuses may include:

• detected: transaction activity detected.
• validating: Payclave verification in progress.
• confirmed: payment verified according to Payclave rules.
• failed: transaction failed or could not be verified.
• duplicate: transaction already used or associated with another payment record.
• underpaid: transaction amount is below the required amount.
• overpaid: transaction amount is above the required amount.

Payclave may add, remove, rename, or modify statuses as the product evolves. You should not assume an order is fulfilled merely because you submitted a transaction. You should wait for the Payclave status page and Merchant confirmation.

16. Underpayments, Overpayments, Expired Payments, and Duplicates

If you underpay, overpay, pay after expiry, send duplicate payments, send partial payments, or send payment using the wrong token, network, or address, Payclave may mark the payment as underpaid, overpaid, expired, duplicate, failed, or requiring manual review.

The Merchant is responsible for deciding whether to:

• Fulfill the order.
• Request additional payment.
• Cancel the order.
• Issue a refund.
• Provide store credit.
• Manually review the payment.
• Decline support for an unsupported, late, duplicate, or mistaken transfer.

Payclave may provide records and status information, but Payclave does not automatically refund you, replace funds, provide credit, force Merchant fulfillment, or guarantee recovery of mistaken transfers.

17. Refunds, Returns, Cancellations, and Disputes

Refunds, returns, cancellations, delivery issues, missing goods, product defects, service failures, warranty claims, and order disputes are between you and the Merchant.

Because Payclave does not receive or control funds, Payclave cannot reverse a blockchain transaction, debit the Merchant's wallet, issue a refund from Merchant funds, or force the Merchant to refund you. Any refund must be handled by the Merchant according to the Merchant's refund policy and applicable law.

Payclave may, in its discretion, provide payment records, transaction references, status pages, receipt information, support routing, or other operational information to help you and the Merchant understand a payment. Payclave does not guarantee any dispute outcome.

If you believe you paid the wrong Merchant, paid a fraudulent checkout, or paid for goods or services you did not receive, contact the Merchant first. You may also contact Payclave support with the Checkout Session ID, invoice number, transaction hash, wallet address, Merchant name, and screenshots so Payclave can review checkout records. Payclave's review does not replace your legal rights or the Merchant's obligations.

18. No Buyer Protection or Chargebacks

Payclave checkout is not a credit card, debit card, bank account, e-money account, stored-value account, escrow service, or buyer-protection program.

Payclave does not provide:

• Chargebacks.
• Card-network disputes.
• Bank reversals.
• Purchase protection.
• Delivery insurance.
• Refund guarantees.
• Merchant solvency guarantees.
• Product quality guarantees.
• Escrow release decisions.

You should use Payclave only when you are comfortable paying the Merchant using stablecoins or other supported crypto assets and accepting the risks of irreversible blockchain settlement.

19. Receipts and Records

Payclave may provide checkout status pages, receipts, invoice references, transaction hashes, payment records, and other records. These records may help you identify a payment, but they may not satisfy all tax, accounting, legal, warranty, customs, import, or proof-of-purchase requirements.

You should keep your own records, including:

• Merchant order confirmation.
• Payclave checkout reference.
• Invoice number.
• Transaction hash.
• Wallet address used.
• Token and network.
• Amount sent.
• Date and time.
• Merchant support messages.

Payclave may retain records as described in the Privacy Policy and these Terms.

20. Taxes

You are responsible for any tax consequences of using stablecoins, crypto assets, wallets, or blockchain networks to pay a Merchant. Depending on your jurisdiction, paying with crypto assets may have tax consequences even if the asset is a stablecoin.

Payclave does not provide tax advice, calculate your taxes, file tax forms for you, or guarantee tax treatment. You should consult a qualified tax adviser if you have questions.

The Merchant is responsible for taxes, duties, shipping charges, import charges, and other charges associated with the Merchant's sale to you, unless applicable law or Merchant terms say otherwise.

21. Compliance With Laws

You must comply with all laws, rules, regulations, sanctions, export controls, tax laws, consumer protection laws, data protection laws, anti-money laundering laws, counter-terrorist financing laws, virtual asset laws, and wallet or exchange rules applicable to your use of Payclave.

You must not use Payclave to:

• Break the law.
• Evade sanctions or export controls.
• Launder funds.
• Finance terrorism.
• Facilitate fraud, scams, phishing, impersonation, or theft.
• Disguise the source, purpose, sender, recipient, or value of funds.
• Pay for illegal goods or services.
• Circumvent Merchant, Payclave, provider, wallet, or chain restrictions.
• Abuse discounts, promotions, routing, fees, quotes, or technical behavior.
• Interfere with Payclave systems, Merchant systems, wallets, or third-party providers.

Payclave may block, delay, investigate, reject, or report activity if Payclave identifies potential legal, sanctions, fraud, security, or compliance risk.

22. Prohibited Uses

You must not use Payclave for:

• Illegal transactions.
• Fraud, deception, scams, phishing, social engineering, or impersonation.
• Money laundering, terrorist financing, sanctions evasion, or export-control violations.
• Stolen funds, stolen goods, or unauthorized transactions.
• Malware, ransomware, botnets, credential theft, or hacking.
• Illegal drugs, controlled substances, unauthorized pharmaceuticals, or restricted goods.
• Weapons, explosives, ammunition, or restricted military goods.
• Human trafficking, exploitation, non-consensual content, or sexual abuse material.
• Hate, harassment, violence, extremist activity, or unlawful discrimination.
• Gambling, betting, lotteries, sweepstakes, or games of chance where unlawful or not approved.
• High-risk financial activity, securities, derivatives, lending, yield products, pooled investment schemes, token launches, or investment advice where unlawful or not approved.
• Mixers, tumblers, anonymizing services, sanctioned wallets, darknet markets, or attempts to hide transaction origin or destination.
• Any activity that creates excessive fraud, complaint, regulatory, reputational, security, or operational risk for Payclave.

Payclave may update prohibited categories from time to time.

23. Sanctions and Restricted Jurisdictions

You represent that you are not subject to sanctions or other restrictions that would prohibit your use of Payclave.

You must not use Payclave in, from, for, or involving a country, region, person, wallet address, entity, product, service, Merchant, or transaction that is sanctioned, embargoed, blocked, or otherwise restricted under applicable law or Payclave policy.

Payclave may screen wallet addresses, transaction metadata, Merchant information, Customer information, IP address data, device signals, and other available data against sanctions, fraud, risk, and compliance sources. Payclave may block, delay, reject, investigate, or report activity if Payclave identifies potential sanctions, fraud, security, or legal risk.

24. Security and Phishing

You are responsible for keeping your wallet, device, browser, email, phone number, and payment apps secure.

To reduce risk:

• Use only official Payclave checkout links provided by the Merchant.
• Check the checkout URL before connecting a wallet or sending funds.
• Do not use links from suspicious emails, messages, ads, or social media posts.
• Do not share seed phrases, private keys, passwords, one-time codes, or recovery phrases.
• Do not give remote access to your device.
• Review wallet prompts carefully.
• Revoke token approvals you no longer need.
• Keep devices, browsers, and wallet software updated.
• Avoid public or compromised devices and networks.
• Contact the Merchant through official channels if anything looks suspicious.

Payclave will never ask for your seed phrase or private key.

25. Data, Privacy, and Cookies

Payclave may process personal data and technical data to provide, secure, support, and improve the Services. This may include:

• Wallet addresses.
• Transaction hashes.
• IP addresses.
• Device and browser information.
• Checkout references.
• Invoice references.
• Merchant information.
• Payment status information.
• Contact information you provide for support.
• Communications with Payclave.
• Fraud, risk, compliance, and security signals.

Payclave may use this information to:

• Operate checkout and status pages.
• Verify payments.
• Provide receipts and support.
• Prevent fraud, abuse, and security incidents.
• Screen for sanctions and restricted activity.
• Respond to legal, regulatory, law enforcement, tax, or compliance requests.
• Debug and improve the Services.
• Enforce these Terms.

Your use of Payclave is also subject to the Payclave Privacy Policy. Do not submit unnecessary sensitive personal data to Payclave, including government identity numbers, health data, biometric data, children's data, passwords, seed phrases, private keys, or unrelated personal information.

26. Customer Content

You grant Payclave a worldwide, non-exclusive, royalty-free license to host, copy, transmit, display, process, analyze, and use Customer Content as needed to provide, secure, support, improve, and enforce the Services.

You represent that Customer Content you provide is accurate, lawful, not misleading, and does not violate third-party rights or include malicious code.

Payclave may remove, reject, or restrict Customer Content that Payclave reasonably believes is unlawful, misleading, insecure, infringing, harmful, or inconsistent with these Terms.

27. Intellectual Property

Payclave and its licensors own all rights in the Services, software, APIs, SDKs, documentation, checkout designs, logos, trademarks, trade names, know-how, templates, verification logic, records, and other Payclave technology.

Subject to these Terms, Payclave grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use Payclave checkout and status pages solely to complete or review a Merchant payment.

You must not:

• Copy, modify, reverse engineer, decompile, or attempt to extract source code except as permitted by law.
• Remove proprietary notices.
• Use Payclave marks in a misleading way.
• State or imply partnership, endorsement, certification, or sponsorship without written approval.
• Interfere with or bypass security, rate limits, verification, access controls, or usage limits.
• Frame, mirror, scrape, abuse, overload, or misuse the Services.
• Use Payclave to build or train a competing service using non-public Payclave materials.

You may provide feedback. Payclave may use feedback without restriction or compensation.

28. Service Availability and Changes

Payclave will use commercially reasonable efforts to provide the Services, but Payclave does not guarantee uninterrupted, error-free, real-time, or continuously available checkout.

The Services may be unavailable, delayed, degraded, or inaccurate because of:

• Maintenance.
• Merchant integration errors.
• Provider outages.
• Wallet, chain, bridge, RPC, exchange, payment app, or liquidity failures.
• Network congestion.
• Security incidents.
• Compliance reviews.
• Your wallet or device issues.
• Bugs, data delays, or operational failures.
• Force majeure events.

Payclave may modify, suspend, replace, remove, or discontinue features, payment methods, providers, chains, tokens, statuses, verification rules, checkout pages, or status pages at any time.

29. Beta, Test, Demo, and Sandbox Checkouts

Payclave may make test, demo, sandbox, beta, preview, or experimental checkout flows available. These features may be incomplete, simulated, unsupported, changed without notice, or removed.

Do not treat test, demo, sandbox, or simulated checkout pages as real merchant payments. Do not send real funds to a test checkout unless the page clearly instructs you to do so and you understand the risk. Test mode records and simulated statuses may not represent real payment activity.

30. Suspension, Blocking, and Refusal

Payclave may block, restrict, suspend, delay, decline, or terminate your access to the Services if Payclave reasonably believes:

• You violated these Terms.
• Your wallet address is sanctioned, blocked, risky, compromised, or associated with prohibited activity.
• Your transaction presents fraud, sanctions, compliance, legal, security, operational, or reputational risk.
• You are using Payclave in a restricted jurisdiction.
• You are interfering with the Services.
• Your use could harm Payclave, Merchants, Customers, providers, or third parties.
• Payclave is required to do so by law, regulator, court, provider, infrastructure provider, or law enforcement.

Payclave is not liable for losses resulting from good-faith blocking, restriction, review, investigation, delay, suspension, or refusal under this section.

31. Communications and Support

Payclave may communicate with you through checkout pages, status pages, receipts, support emails, in-product notices, or other reasonable channels.

If you contact Payclave support, you should provide only the information needed to review the issue, such as Checkout Session ID, invoice number, transaction hash, wallet address, Merchant name, and screenshots. Do not send seed phrases, private keys, passwords, one-time codes, unrelated personal data, or unnecessary sensitive information.

Payclave support may help identify checkout records, but Payclave support does not replace Merchant support and cannot guarantee refunds, order fulfillment, product delivery, or dispute outcomes.

Legal notices to Payclave must be sent to:

[PAYCLAVE LEGAL ENTITY]
[LEGAL NOTICE ADDRESS]
hello@payclave.com

Operational support requests should be sent to support@payclave.com unless the checkout page, documentation, or status page provides another support channel.

32. Term and Termination

These Terms begin when you first access or use the Services and continue until terminated.

You may stop using Payclave at any time. Because many Customers do not create Payclave accounts, stopping use may be the only practical way to terminate active use.

Payclave may terminate these Terms or your access to the Services:

• For convenience with notice where practicable.
• Immediately for breach of these Terms.
• Immediately for prohibited activity, sanctions risk, fraud, security risk, legal risk, or regulatory requirement.
• If Payclave discontinues the Services.

After termination:

• You must stop using the Services and Payclave marks.
• Payclave may continue to retain records as required or permitted by law, security, fraud prevention, tax, audit, dispute resolution, and legitimate business needs.
• Pending support requests, records, receipts, or status pages may be limited or unavailable.
• Merchant obligations and your obligations to the Merchant may continue according to Merchant terms and applicable law.

Sections intended to survive will survive, including sections covering payment responsibilities, records, data retention, intellectual property, taxes, compliance, prohibited activity, disclaimers, indemnity, limitation of liability, dispute resolution, and general terms.

33. Warranties and Disclaimers

You represent and warrant that:

• You have legal capacity to accept these Terms.
• Your use of Payclave complies with law.
• You are not sanctioned or restricted from using Payclave.
• You will not use Payclave for prohibited activity.
• You will review checkout information before authorizing payment.
• You are responsible for your wallet, wallet credentials, devices, and transaction decisions.
• Customer Content you provide is accurate and lawful.

Except as expressly stated, the Services are provided "as is" and "as available". To the maximum extent permitted by law, Payclave disclaims all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, availability, accuracy, uninterrupted operation, error-free operation, route availability, wallet compatibility, chain finality, liquidity, stablecoin value, tax outcome, regulatory outcome, merchant legitimacy, merchant fulfillment, product quality, refund outcome, or suitability for your intended transaction.

Payclave does not guarantee that:

• A Merchant is legitimate, licensed, solvent, reputable, or responsive.
• A Merchant will fulfill, refund, replace, support, or deliver an order.
• Checkout information from a Merchant is accurate.
• A route will be available.
• A transaction will confirm by a particular time.
• A token will maintain value.
• A wallet, exchange, payment app, bridge, smart contract, chain, RPC provider, or Payment Orchestration Provider will work correctly.
• A mistaken, late, unsupported, duplicate, underpaid, or overpaid transaction can be recovered.
• Payclave records will satisfy your tax, accounting, legal, warranty, or proof-of-purchase needs.

Nothing in these Terms excludes warranties or liabilities that cannot be excluded under applicable law.

34. Limitation of Liability

To the maximum extent permitted by law, Payclave will not be liable for indirect, incidental, special, consequential, exemplary, punitive, or enhanced damages, or for lost profits, lost revenue, lost business, lost goodwill, lost data, loss of use, replacement services, business interruption, merchant disputes, order disputes, missed delivery, product defects, reputational harm, token value changes, market movements, network fees, failed routes, bridge failures, wallet errors, smart contract failures, provider failures, exchange failures, payment app failures, chain reorganizations, irreversible blockchain transfers, or unauthorized wallet transactions, even if Payclave has been advised of the possibility of those damages.

To the maximum extent permitted by law, Payclave's total aggregate liability arising out of or relating to these Terms or the Services will not exceed the greater of:

• The fees you paid directly to Payclave for the Services giving rise to the claim during the twelve months before the event giving rise to liability; or
• USD 100.

If you did not pay fees directly to Payclave, the USD 100 cap applies unless applicable law requires otherwise.

The limitations in this section apply to all theories of liability, including contract, tort, negligence, strict liability, statutory liability, and otherwise.

The limitations do not apply to liability that cannot be limited under applicable law.

35. Indemnity

To the maximum extent permitted by law, you will defend, indemnify, and hold harmless Payclave, its affiliates, directors, officers, employees, contractors, providers, licensors, and agents from and against claims, damages, losses, liabilities, penalties, fines, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:

• Your use or misuse of the Services.
• Your breach of these Terms.
• Your violation of law.
• Your prohibited activity.
• Your wallet, device, exchange, payment app, or transaction decisions.
• Customer Content you provide.
• Your dispute with a Merchant or third party, except to the extent caused by Payclave's own breach of these Terms.
• Your infringement or violation of third-party rights.

Payclave will provide reasonable notice of indemnified claims and may control the defense of claims that affect Payclave's rights, reputation, regulatory position, security, or product integrity. You may not settle a claim in a way that admits fault by Payclave, imposes obligations on Payclave, or affects Payclave's rights without Payclave's written consent.

36. Third-Party Services

The Services may interoperate with third-party services, including Merchants, websites, chains, wallets, exchanges, payment apps, token issuers, bridges, liquidity venues, route providers, RPC providers, cloud providers, analytics services, identity services, security services, and Payment Orchestration Providers.

Third-party services are not controlled by Payclave. Your use of third-party services may be subject to separate terms, privacy policies, fees, risk disclosures, sanctions controls, and eligibility requirements.

Payclave is not responsible for third-party services, third-party content, third-party fees, third-party outages, third-party security incidents, third-party legal compliance, or third-party acts or omissions.

37. Changes to These Terms

Payclave may update these Terms from time to time. Payclave will update the version date and, for material changes, use reasonable efforts to notify Customers where practicable, such as by posting updated Terms, linking updated Terms on checkout pages, or providing other notice.

Continued use of the Services after updated Terms take effect constitutes acceptance. If you do not agree to updated Terms, stop using Payclave before the effective date.

For changes required by law, security, provider requirements, or urgent operational needs, Payclave may make changes effective immediately.

38. Governing Law and Dispute Resolution

These Terms are governed by the laws of [GOVERNING LAW JURISDICTION], without regard to conflict of law principles.

Before filing a formal claim, the parties will attempt in good faith to resolve disputes through support and business escalation. A party seeking escalation must provide written notice describing the dispute, requested relief, and supporting facts. The parties will attempt to resolve the dispute within 30 days unless urgent relief is required.

If the dispute is not resolved, the parties agree to [COURTS OR ARBITRATION MECHANISM], located in [FORUM / SEAT], unless applicable law requires another forum.

Either party may seek injunctive or equitable relief for misuse of confidential information, intellectual property infringement, security threats, unauthorized access, or urgent legal harm.

Counsel should confirm whether any consumer-specific rights, mandatory forums, cooling-off rights, class action waivers, jury trial waivers, small-claims carveouts, or arbitration disclosures are required or prohibited in any jurisdiction where these Terms are used.

39. Force Majeure

Payclave is not liable for delay or failure to perform caused by events beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, internet or telecommunications failures, blockchain outages, chain congestion, wallet failures, exchange failures, payment app failures, provider failures, bridge failures, liquidity failures, government action, legal restrictions, cyberattacks, power failures, cloud provider outages, epidemics, pandemics, or other force majeure events.

40. Assignment

You may not assign, transfer, delegate, or sublicense these Terms or rights to use the Services without Payclave's prior written consent.

Payclave may assign these Terms in connection with a merger, acquisition, corporate reorganization, financing, sale of assets, change of control, affiliate transfer, or by operation of law.

Any attempted assignment in violation of this section is void.

41. Export, Anti-Bribery, and Government Use

You must comply with export control, anti-bribery, anti-corruption, sanctions, and government procurement laws applicable to your use of the Services.

You must not offer, promise, authorize, or provide anything of value to improperly influence a public official, Merchant, Payclave employee, provider, or third party in connection with the Services.

If you are a government user or use the Services for government purposes, additional terms may apply and Payclave may decline or restrict use.

42. No Waiver; Severability

Failure to enforce a provision is not a waiver. A waiver must be in writing and signed by the party waiving rights.

If any provision is held invalid, unlawful, or unenforceable, the remaining provisions remain in effect, and the invalid provision will be interpreted or replaced to best accomplish its original purpose to the extent permitted by law.

43. Relationship of the Parties

You and Payclave are independent parties. These Terms do not create a partnership, joint venture, agency, fiduciary relationship, employment relationship, franchise, escrow relationship, custodial relationship, or exclusive relationship.

You have no authority to bind Payclave, and Payclave has no authority to bind you except as expressly stated in these Terms.

44. Entire Agreement

These Terms, together with incorporated documents, are the entire agreement between you and Payclave regarding the Services and supersede prior or contemporaneous agreements, proposals, representations, or understandings about the Services.

These Terms do not replace your separate agreement with the Merchant for the merchant's goods or services.

45. Contact

Questions about these Terms should be sent to:

hello@payclave.com

Operational support questions should be sent to:

support@payclave.com