# Terms of Service

> Terms governing access to and use of the PayPunks website and related services, including the stated service model and limitation of liability.
> Source: https://paypunks.io/legal/terms/ · Last updated 2026-01-01

> Last updated: 01.01.2026

These Terms of Service ("Terms") govern access to and use of the PayPunks website and related services (the "Service"). By accessing or using the Service, you agree to be bound by these Terms.

## 1. Description of Services

PayPunks provides consulting and informational services related to the selection, evaluation, and integration of payment solutions for businesses operating in high-risk or restricted industries ("Consulting Services").

PayPunks does not act as a payment processor, financial institution, acquiring bank, electronic money institution, or payment intermediary. All decisions and actions taken based on the Consulting Services remain solely the responsibility of the user.

## 2. Eligibility

By using the Service, you represent that you:

- Are legally permitted to operate a business in your applicable jurisdiction
- Are authorized to seek consulting services on behalf of yourself or the represented entity
- Will not use the Service for any unlawful or fraudulent purpose

## 3. No Financial or Legal Advice

All information provided through the Service is for general informational and consulting purposes only.

PayPunks does not provide:

- Legal advice
- Financial advice
- Tax advice
- Regulatory guarantees

Users are solely responsible for obtaining independent legal, financial, and regulatory advice before engaging with any third-party payment provider.

## 4. Third-Party Services

The Service may reference or recommend third-party payment providers, platforms, or service vendors.

PayPunks:

- Does not control, operate, or endorse third-party services
- Is not responsible for approval decisions, pricing, service continuity, or compliance requirements imposed by third parties
- Bears no liability for losses, disputes, or damages arising from relationships between users and third-party providers

Any agreement with a third-party provider is entered into directly between the user and that provider.

## 5. Limitation of Liability

To the maximum extent permitted by applicable law, PayPunks shall not be liable for:

- Any direct or indirect financial losses
- Loss of revenue, profits, data, or business opportunities
- Account suspensions, fund holds, chargebacks, or terminations imposed by third-party payment providers
- Regulatory actions or compliance failures related to the business of the user

Use of the Service is provided on an "as is" and "as available" basis.

## 6. User Responsibilities

You agree to:

- Provide accurate and complete information when communicating with PayPunks
- Use the Service in compliance with all applicable laws and regulations
- Assume full responsibility for business operations, compliance status, and payment processing outcomes

## 7. Intellectual Property

All content on the Service, including text, branding, and materials, is the property of PayPunks or its licensors and may not be copied, modified, or redistributed without prior written permission.

## 8. Termination

PayPunks reserves the right to suspend or terminate access to the Service at any time, without notice, if the Service is used in violation of these Terms or applicable law.

## 9. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

## 10. Changes to the Terms

PayPunks may modify these Terms at any time. Updated versions become effective upon publication on the website.

## 11. Contact Information

For questions regarding these Terms, contact: support@paypunks.io

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