ON THIS PAGE
1 Introduction2 Eligibility3 Your account4 Verification & compliance5 Using our services6 Custody of assets7 Transactions8 Payment card9 Fees & charges10 Risk disclosure11 No advice12 Acceptable use13 Suspension & termination14 Liability15 Governing law16 Changes & contactTerms of Service
Last updated: 6 July 2026
1. Introduction
These Terms of Service (“Terms”) govern your access to and use of the PAYCAP platform, including our website, applications, and related services (together, the “Services”). By creating an account or using the Services, you enter into a binding agreement with us and confirm that you accept these Terms together with our Privacy Policy, AML Policy, and Fee Schedule, which are incorporated by reference. If you do not agree, you must not use the Services. Please read these Terms carefully and keep a copy for your records.
2. Eligibility
You must be at least 18 years old and legally able to enter into a binding agreement to use the Services. You may use the Services only on your own behalf, not for any undisclosed third party, and only where doing so is lawful for you. The Services are not available in every jurisdiction, and we may refuse, restrict, or withdraw access where providing them would be prohibited or would expose us to unacceptable risk.
3. Your PAYCAP account
You are responsible for keeping your credentials, devices, and account secure, and for all activity that takes place under your account. You must enable the security features we make available, such as two-factor authentication and a transaction PIN, and notify us immediately if you suspect unauthorised access. You must give us accurate information and keep it up to date, and we may rely on instructions received through your authenticated account as having been given by you.
4. Identity verification and compliance
Access to the Services depends on completing our identity-verification (KYC) process, and certain features require a higher level of verification. You agree to comply with our AML Policy and to provide any documentation or information we request, including in relation to the source of your funds. We may limit, suspend, or refuse access, and hold transactions, where verification or compliance checks are incomplete or cannot be satisfied.
5. Using our services
You agree to use the Services only for lawful purposes and in line with these Terms. Digital-asset markets operate continuously, and the assets, features, limits, and functionality we support may change, be added, or be removed at any time. You are responsible for the accuracy of every instruction you submit and for ensuring that your use complies with the laws that apply to you.
6. Custody of your assets
Crypto assets shown in your account are held in custody by us or our custody partners on your behalf. We maintain controls to safeguard those assets, but you acknowledge that we do not provide deposit insurance and that a balance represents our obligation to you rather than specific segregated coins unless we state otherwise. You remain the beneficial owner of your assets, subject to these Terms and to any hold, restriction, or deduction permitted under them or required by law.
7. Transactions and orders
When you place an order or buy, sell, swap, or transfer, you authorise us to carry out that instruction. Quotes and prices can move quickly, and the amount you receive may differ from an indicative figure shown before confirmation. On-chain transfers are irreversible once broadcast to the relevant network, and transactions cannot be recalled, cancelled, or reversed once completed. You are responsible for providing correct destination details, and we are not liable for losses caused by incorrect information you supply.
8. Payment card
The PAYCAP card is provided as part of the Services and is subject to these Terms and to any additional conditions shown within the Services. Activating a card for the first time requires a deposit to the card. The required deposit is not a fixed amount and may vary depending on the type of card and any promotion that applies at the time. The amount required, together with the current activation conditions, is shown on the card page within the Services before you proceed, and you should review it there. Until the required deposit has been made and any related checks completed, the card remains inactive and cannot be used.
9. Fees and charges
Applicable fees are shown within the Services before you confirm a transaction and are set out in our Fee Schedule. Network fees for on-chain activity are set by the relevant blockchain and are outside our control. You authorise us to deduct the fees due from your account, and you are responsible for any taxes arising from your use of the Services.
10. Risk disclosure
The value of digital assets can be highly volatile and may fall as well as rise, and you may lose some or all of the value of your holdings. Past performance is not a guide to future results, and no return, yield, or outcome is guaranteed. You should only transact with amounts you can afford to lose, and you accept full responsibility for your decisions and their consequences.
11. No investment advice
The Services, and any information, tools, or materials provided through them, are for general purposes only and do not constitute investment, financial, legal, tax, or other advice. We do not assess whether the Services or any asset are suitable or appropriate for you. You are solely responsible for evaluating your own circumstances and, where appropriate, for seeking independent professional advice.
12. Acceptable use
You must not use the Services to break the law, infringe the rights of others, or engage in fraud, market abuse, or financial crime. You must not attempt to gain unauthorised access to the platform, interfere with its operation or security, use bots or automated means without our permission, or provide false or misleading information. Breaching this section may result in the immediate restriction or closure of your account and in reporting to the authorities.
13. Suspension and termination
We may suspend, restrict, or end your access to the Services, in whole or in part, if you breach these Terms, if we suspect fraud or financial crime, if required by law, or to protect the security and integrity of the platform and its users. Where it is practical and lawful to do so we will give notice, but we may act immediately where necessary. You may stop using the Services and close your account at any time, subject to completing any pending transactions and to any obligations that survive termination.
14. Disclaimers and limitation of liability
The Services are provided on an “as is” and “as available” basis, and we do not warrant that they will be uninterrupted, error-free, or secure. To the fullest extent permitted by law, we are not liable for indirect, incidental, or consequential losses, for loss of profit or of the value of digital assets, or for losses arising from market movements, network conditions, or events beyond our reasonable control. Nothing in these Terms excludes any liability that cannot lawfully be excluded.
15. Governing law and disputes
These Terms, and any dispute arising out of or in connection with them or the Services, are governed by the applicable law and are subject to the courts or dispute-resolution process that apply to our provision of the Services. You agree to raise any concern with us first, by emailing help@plexcard.org, so that we can try to resolve it before any formal proceedings begin.
16. Changes and contact
We may update these Terms from time to time. Where changes are material, we will give reasonable notice through the Services, and the “last updated” date above will always show the current version. Your continued use of the Services after an update means you accept the revised Terms. Questions about these Terms can be sent to help@plexcard.org.
Terms of Service
Last updated: 6 July 2026
1. Introduction
These Terms of Service (“Terms”) govern your access to and use of the PAYCAP platform, including our website, applications, and related services (together, the “Services”). By creating an account or using the Services, you enter into a binding agreement with us and confirm that you accept these Terms together with our Privacy Policy, AML Policy, and Fee Schedule, which are incorporated by reference. If you do not agree, you must not use the Services. Please read these Terms carefully and keep a copy for your records.
2. Eligibility
You must be at least 18 years old and legally able to enter into a binding agreement to use the Services. You may use the Services only on your own behalf, not for any undisclosed third party, and only where doing so is lawful for you. The Services are not available in every jurisdiction, and we may refuse, restrict, or withdraw access where providing them would be prohibited or would expose us to unacceptable risk.
3. Your PAYCAP account
You are responsible for keeping your credentials, devices, and account secure, and for all activity that takes place under your account. You must enable the security features we make available, such as two-factor authentication and a transaction PIN, and notify us immediately if you suspect unauthorised access. You must give us accurate information and keep it up to date, and we may rely on instructions received through your authenticated account as having been given by you.
4. Identity verification and compliance
Access to the Services depends on completing our identity-verification (KYC) process, and certain features require a higher level of verification. You agree to comply with our AML Policy and to provide any documentation or information we request, including in relation to the source of your funds. We may limit, suspend, or refuse access, and hold transactions, where verification or compliance checks are incomplete or cannot be satisfied.
5. Using our services
You agree to use the Services only for lawful purposes and in line with these Terms. Digital-asset markets operate continuously, and the assets, features, limits, and functionality we support may change, be added, or be removed at any time. You are responsible for the accuracy of every instruction you submit and for ensuring that your use complies with the laws that apply to you.
6. Custody of your assets
Crypto assets shown in your account are held in custody by us or our custody partners on your behalf. We maintain controls to safeguard those assets, but you acknowledge that we do not provide deposit insurance and that a balance represents our obligation to you rather than specific segregated coins unless we state otherwise. You remain the beneficial owner of your assets, subject to these Terms and to any hold, restriction, or deduction permitted under them or required by law.
7. Transactions and orders
When you place an order or buy, sell, swap, or transfer, you authorise us to carry out that instruction. Quotes and prices can move quickly, and the amount you receive may differ from an indicative figure shown before confirmation. On-chain transfers are irreversible once broadcast to the relevant network, and transactions cannot be recalled, cancelled, or reversed once completed. You are responsible for providing correct destination details, and we are not liable for losses caused by incorrect information you supply.
8. Payment card
The PAYCAP card is provided as part of the Services and is subject to these Terms and to any additional conditions shown within the Services. Activating a card for the first time requires a deposit to the card. The required deposit is not a fixed amount and may vary depending on the type of card and any promotion that applies at the time. The amount required, together with the current activation conditions, is shown on the card page within the Services before you proceed, and you should review it there. Until the required deposit has been made and any related checks completed, the card remains inactive and cannot be used.
9. Fees and charges
Applicable fees are shown within the Services before you confirm a transaction and are set out in our Fee Schedule. Network fees for on-chain activity are set by the relevant blockchain and are outside our control. You authorise us to deduct the fees due from your account, and you are responsible for any taxes arising from your use of the Services.
10. Risk disclosure
The value of digital assets can be highly volatile and may fall as well as rise, and you may lose some or all of the value of your holdings. Past performance is not a guide to future results, and no return, yield, or outcome is guaranteed. You should only transact with amounts you can afford to lose, and you accept full responsibility for your decisions and their consequences.
11. No investment advice
The Services, and any information, tools, or materials provided through them, are for general purposes only and do not constitute investment, financial, legal, tax, or other advice. We do not assess whether the Services or any asset are suitable or appropriate for you. You are solely responsible for evaluating your own circumstances and, where appropriate, for seeking independent professional advice.
12. Acceptable use
You must not use the Services to break the law, infringe the rights of others, or engage in fraud, market abuse, or financial crime. You must not attempt to gain unauthorised access to the platform, interfere with its operation or security, use bots or automated means without our permission, or provide false or misleading information. Breaching this section may result in the immediate restriction or closure of your account and in reporting to the authorities.
13. Suspension and termination
We may suspend, restrict, or end your access to the Services, in whole or in part, if you breach these Terms, if we suspect fraud or financial crime, if required by law, or to protect the security and integrity of the platform and its users. Where it is practical and lawful to do so we will give notice, but we may act immediately where necessary. You may stop using the Services and close your account at any time, subject to completing any pending transactions and to any obligations that survive termination.
14. Disclaimers and limitation of liability
The Services are provided on an “as is” and “as available” basis, and we do not warrant that they will be uninterrupted, error-free, or secure. To the fullest extent permitted by law, we are not liable for indirect, incidental, or consequential losses, for loss of profit or of the value of digital assets, or for losses arising from market movements, network conditions, or events beyond our reasonable control. Nothing in these Terms excludes any liability that cannot lawfully be excluded.
15. Governing law and disputes
These Terms, and any dispute arising out of or in connection with them or the Services, are governed by the applicable law and are subject to the courts or dispute-resolution process that apply to our provision of the Services. You agree to raise any concern with us first, by emailing help@plexcard.org, so that we can try to resolve it before any formal proceedings begin.
16. Changes and contact
We may update these Terms from time to time. Where changes are material, we will give reasonable notice through the Services, and the “last updated” date above will always show the current version. Your continued use of the Services after an update means you accept the revised Terms. Questions about these Terms can be sent to help@plexcard.org.