Legal

Terms of Service

Last Updated: March 2026  ·  Effective: March 2026

1. Acceptance of Terms

By accessing or using any product or service offered by InvisiPay, Inc. ("InvisiPay", "we", "our", or "us"), including the InvisiPay website, mobile application, U-Card, Privacy Pay, OTC Exchange, and Invisible Connect API (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, you must immediately cease use of the Services. These Terms constitute a legally binding agreement between you and InvisiPay. Please read them carefully.

2. Description of Services

InvisiPay provides a suite of privacy-first cryptocurrency payment tools:

  • U-Card — A Visa/Mastercard debit card that converts stablecoins to local fiat currency at point of sale, accepted at 80M+ merchants worldwide.
  • Privacy Pay — A zero-knowledge (ZK) shielded payment layer allowing users to pay merchants without creating traceable on-chain links between sender and receiver.
  • InvisiPay App — A non-custodial mobile application for scan-and-pay, Change Note management, and wallet operations.
  • OTC Exchange — A KYC-verified over-the-counter service for fiat-to-crypto and crypto-to-fiat conversions.
  • Invisible Connect — A merchant API enabling third-party platforms to accept ZK-shielded payments via REST integration.

3. Eligibility

To use the Services, you must: (a) be at least 18 years of age; (b) have the legal capacity to enter into binding contracts in your jurisdiction; (c) not be a resident of, or subject to the laws of, any jurisdiction where use of our Services is prohibited, including the United States of America and countries or territories subject to comprehensive sanctions administered by OFAC, the UN Security Council, the EU, or equivalent bodies.

We reserve the right to refuse service to anyone and to modify eligibility requirements at any time.

4. Account Registration & Security

Certain Services require you to create an account and complete identity verification (KYC/AML) procedures. You agree to: (a) provide accurate, current, and complete information; (b) maintain and promptly update your information; (c) keep your credentials confidential; (d) notify us immediately of any unauthorised access to your account.

You are solely responsible for all activity that occurs under your account. InvisiPay will not be liable for any loss arising from unauthorised use of your account.

5. U-Card Terms

The U-Card is issued subject to the card programme terms of the applicable card network (Visa or Mastercard) and the issuing bank or e-money institution. By applying for a U-Card, you additionally agree to those terms. Key conditions include:

  • Funds loaded onto the U-Card are converted from stablecoins at the prevailing exchange rate at the time of transaction.
  • U-Card transactions may be subject to transaction limits set by InvisiPay or the card network.
  • InvisiPay does not guarantee card acceptance at any specific merchant.
  • Lost, stolen, or damaged cards must be reported immediately to contact@invisipay.fi.

6. Privacy Pay & ZK Protocol

Privacy Pay uses zero-knowledge cryptographic proofs to sever the on-chain link between payer and payee. By using Privacy Pay, you acknowledge:

  • ZK proofs are generated locally on your device. Your private keys and proof inputs never leave your device.
  • The privacy guarantees of Privacy Pay depend on the security of the underlying ZK circuit, the Noir toolchain, and the Barretenberg proving system. While we design for the highest security standards, no cryptographic system is unconditionally secure.
  • Once a deposit is submitted on-chain, the funds are controlled by the smart contract and cannot be reversed unilaterally by InvisiPay.
  • Change from a shielded payment is returned to you as a cryptographic Note. You are responsible for safeguarding your Notes.
  • Privacy Pay is a non-custodial service. InvisiPay does not hold or control your funds.

7. OTC Exchange

The OTC Exchange allows KYC-verified users to purchase and sell USDT, USDC, and other supported stablecoins using bank transfer, Alipay, or WeChat Pay. By using the OTC Exchange:

  • You confirm that all funds you use are from legitimate sources and comply with applicable anti-money laundering (AML) laws.
  • You authorise InvisiPay to conduct enhanced due diligence and to report suspicious activity to relevant authorities.
  • Transaction limits and supported currencies are subject to change without notice.
  • InvisiPay is not responsible for delays caused by banking systems or third-party payment processors.

8. Fees & Taxes

Fee schedules are published on the InvisiPay website and may be updated periodically. By using the Services, you agree to pay all applicable fees. All fees are inclusive of applicable charges unless stated otherwise.

You are solely responsible for determining and paying any taxes applicable to your use of the Services. InvisiPay does not provide tax advice.

9. Prohibited Uses

You may not use the Services for any of the following purposes:

  • Money laundering, terrorist financing, or any activity that violates applicable AML/CFT laws.
  • Purchasing illegal goods or services, including controlled substances or weapons.
  • Circumventing applicable sanctions or export controls.
  • Fraud, market manipulation, or deceptive practices.
  • Violating any applicable law, regulation, or third-party rights.
  • Reverse engineering, decompiling, or attempting to extract the source code of our software or ZK circuits.
  • Interfering with or disrupting the integrity or performance of the Services or any smart contracts.

We reserve the right to terminate any account that we believe, in our sole discretion, is engaged in prohibited uses.

10. Risk Disclosure

The Services involve significant risks, including but not limited to:

  • Cryptocurrency risk: Digital asset prices are highly volatile. The value of stablecoins may deviate from their peg.
  • Smart contract risk: Smart contracts may contain bugs or vulnerabilities despite auditing.
  • Regulatory risk: The regulatory status of cryptocurrency products is uncertain in many jurisdictions and may change.
  • Technology risk: ZK proving systems, including Noir circuits and the Barretenberg backend, may be subject to cryptographic advances that reduce their security.
  • Network risk: Blockchain network congestion, forks, or failures may affect transaction processing.

You should not use funds that you cannot afford to lose. Past performance is not indicative of future results.

11. Intellectual Property

All intellectual property rights in the Services, including but not limited to the InvisiPay brand, website, application, ZK circuits, and Invisible Connect API, are owned by or licensed to InvisiPay. You are granted a limited, non-exclusive, non-transferable licence to use the Services for your personal or business purposes in accordance with these Terms. Nothing in these Terms transfers any intellectual property rights to you.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INVISIPAY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES.

INVISIPAY'S TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS ARISING UNDER OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE FEES PAID BY YOU TO INVISIPAY IN THE THREE MONTHS PRIOR TO THE CLAIM OR (B) USD 100.

Some jurisdictions do not allow the exclusion or limitation of certain types of liability, so the above limitations may not apply to you in full.

13. Indemnification

You agree to indemnify, defend, and hold harmless InvisiPay, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) your infringement of any third-party rights.

14. Term & Termination

These Terms are effective from the date you first access the Services and continue until terminated. InvisiPay may suspend or terminate your access to the Services at any time, with or without cause, and with or without notice. You may terminate your account by contacting contact@invisipay.fi. Upon termination, all licences granted under these Terms cease immediately.

15. Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the British Virgin Islands, without regard to conflict of law principles.

Any dispute, controversy, or claim arising out of or relating to these Terms or the Services shall be finally resolved by binding arbitration under the rules of the Hong Kong International Arbitration Centre (HKIAC). The seat of arbitration shall be Hong Kong. The language of arbitration shall be English.

16. Amendments

InvisiPay reserves the right to modify these Terms at any time. If we make material changes, we will notify you by posting the updated Terms on our website or by email. Your continued use of the Services after such notification constitutes your acceptance of the revised Terms.

17. Contact Us

If you have questions about these Terms, please contact us at:

InvisiPay, Inc.
Email: contact@invisipay.fi
Website: www.invisipay.fi

法律條款

服務條款

最後更新：2026 年 3 月  ·  生效日期：2026 年 3 月

1. 接受條款

您一旦訪問或使用 InvisiPay, Inc.（以下稱「InvisiPay」、「我們」或「本公司」）所提供的任何產品或服務，包括 InvisiPay 網站、手機應用程式、U 卡、隱私支付、OTC 兌換及 Invisible Connect API（統稱「服務」），即表示您同意受本服務條款（「本條款」）約束。

如您不同意本條款，請立即停止使用服務。本條款構成您與 InvisiPay 之間具有法律約束力的協議，請仔細閱讀。

2. 服務說明

InvisiPay 提供一套以隱私為核心的加密貨幣支付工具：

  • U 卡 — Visa/Mastercard 借記卡，在消費時自動將穩定幣兌換為當地法幣，覆蓋全球 8,000 萬家以上商家。
  • 隱私支付 — 基於零知識（ZK）加密的隱私支付層，付款方可在不留下鏈上關聯記錄的情況下向商家付款。
  • InvisiPay App — 非託管手機應用程式，支持掃碼支付、找零 Note 管理及錢包操作。
  • OTC 兌換 — KYC 認證的場外兌換服務，支持法幣與加密貨幣互換。
  • Invisible Connect — 商家 API，允許第三方平台通過 REST 接口接入 ZK 隱私支付能力。

3. 使用資格

使用本服務，您須符合以下條件：（a）年滿 18 周歲；（b）在您所在司法管轄區具備訂立具有約束力合約的法律行為能力；（c）非居住於或受以下法律管轄之人士：美利堅合眾國，或受 OFAC、聯合國安理會、歐盟或類似機構實施全面制裁的國家或地區。

我們保留隨時拒絕向任何人提供服務及修改資格要求的權利。

4. 帳戶註冊與安全

部分服務需要您創建帳戶並完成身份驗證（KYC/AML）程序。您同意：（a）提供準確、最新且完整的信息；（b）及時維護並更新您的信息；（c）對登錄憑據保密；（d）發現帳戶被未經授權訪問時立即通知我們。

您對在您帳戶下發生的所有活動負全部責任。InvisiPay 不對因未經授權使用您的帳戶所造成的任何損失承擔責任。

5. U 卡條款

U 卡的發行受適用卡組織（Visa 或 Mastercard）及發卡機構的卡片計劃條款約束。申請 U 卡即表示您同意上述條款。主要條件包括：

  • U 卡中的資金在交易時按當時匯率從穩定幣兌換。
  • U 卡交易可能受 InvisiPay 或卡組織設定的限額約束。
  • InvisiPay 不保證 U 卡在任何特定商家可被接受。
  • 卡片遺失、被盜或損壞，請立即聯絡 contact@invisipay.fi。

6. 隱私支付與 ZK 協議

隱私支付使用零知識密碼學證明切斷付款方與收款方之間的鏈上關聯。使用隱私支付即表示您確認：

  • ZK 證明在您的設備本地生成，您的私鑰及證明輸入資料永遠不會離開您的設備。
  • 隱私支付的隱私保障取決於底層 ZK 電路、Noir 工具鏈及 Barretenberg 證明系統的安全性。儘管我們致力於最高安全標準，任何密碼學系統均非絕對安全。
  • 一旦 deposit 交易上鏈，資金由智能合約控制，InvisiPay 無法單方面撤回。
  • 隱私支付的找零以加密 Note 形式返還給您，您有責任妥善保管 Note。
  • 隱私支付為非託管服務，InvisiPay 不持有或控制您的資金。

7. OTC 兌換

OTC 兌換允許已完成 KYC 認證的用戶通過銀行轉帳、支付寶或微信支付買賣 USDT、USDC 及其他支持的穩定幣。使用 OTC 兌換：

  • 您確認所使用的資金來源合法，符合適用的反洗錢（AML）法律法規。
  • 您授權 InvisiPay 進行加強盡職調查，並向相關主管機關申報可疑活動。
  • 交易限額及支持的貨幣種類可能隨時變更，恕不另行通知。
  • 因銀行系統或第三方支付機構造成的延誤，InvisiPay 不承擔責任。

8. 費用與稅務

費用明細在 InvisiPay 網站公佈，並可能定期更新。使用服務即表示您同意支付所有適用費用。除非另有說明，所有費用均已包含適用收費。

您有責任自行確定並繳納因使用服務而產生的任何稅款。InvisiPay 不提供稅務建議。

9. 禁止行為

您不得將服務用於以下任何目的：

  • 洗錢、恐怖主義融資或任何違反適用 AML/CFT 法律的活動。
  • 購買非法商品或服務，包括管制物質或武器。
  • 規避適用的制裁措施或出口管制。
  • 欺詐、市場操縱或欺騙性行為。
  • 違反任何適用法律、法規或第三方權利。
  • 逆向工程、反編譯或嘗試提取我們軟件或 ZK 電路的源代碼。
  • 干擾或破壞服務或任何智能合約的完整性或性能。

我們保留終止任何我們認為（由我們自行判斷）涉及禁止行為的帳戶的權利。

10. 風險披露

使用服務涉及重大風險，包括但不限於：

  • 加密貨幣風險：數字資產價格波動劇烈，穩定幣的價值可能偏離其錨定目標。
  • 智能合約風險：智能合約即使經過審計，仍可能存在漏洞或錯誤。
  • 監管風險：加密貨幣產品的監管狀態在許多司法管轄區尚不明確，且可能發生變化。
  • 技術風險：ZK 證明系統（包括 Noir 電路和 Barretenberg 後端）可能受到密碼學進展的影響，導致安全性降低。
  • 網絡風險：區塊鏈網絡擁堵、分叉或故障可能影響交易處理。

您不應使用您無法承受損失的資金。過往表現不代表未來結果。

11. 知識產權

服務中的所有知識產權，包括但不限於 InvisiPay 品牌、網站、應用程式、ZK 電路及 Invisible Connect API，均由 InvisiPay 擁有或獲得授權。我們授予您有限、非排他性、不可轉讓的許可，供您按本條款規定為個人或商業目的使用服務。本條款不向您轉讓任何知識產權。

12. 責任限制

在適用法律允許的最大範圍內，INVISIPAY 及其管理人員、董事、員工和代理人對因使用或無法使用服務而產生的任何間接、偶發、特殊、後果性或懲罰性損害（包括利潤損失、數據損失、商譽損失或其他無形損失）不承擔任何責任。

INVISIPAY 就本條款或服務相關的任何索賠的總責任上限為：（A）索賠發生前三個月內您向 INVISIPAY 支付的費用，或（B）100 美元，以較高者為準。

部分司法管轄區不允許排除或限制某些類型的責任，因此上述限制可能對您不完全適用。

13. 賠償

您同意就以下事項產生的任何及所有索賠、責任、損害、損失和費用（包括合理的律師費），對 InvisiPay、其附屬機構及各自的管理人員、董事、員工和代理人進行賠償、辯護並使其免受損害：（a）您使用服務；（b）您違反本條款；（c）您違反任何適用法律或法規；或（d）您侵犯任何第三方權利。

14. 期限與終止

本條款自您首次訪問服務之日起生效，直至終止為止。InvisiPay 可在任何時候，無論是否有理由，是否提前通知，暫停或終止您訪問服務的權限。您可通過聯絡 contact@invisipay.fi 終止您的帳戶。終止後，本條款授予的所有許可立即停止。

15. 適用法律與爭議解決

本條款受英屬維爾京群島法律管轄並依其解釋，不考慮法律衝突原則。

因本條款或服務引起的或與之相關的任何爭議、糾紛或索賠，應根據香港國際仲裁中心（HKIAC）規則通過具有約束力的仲裁最終解決。仲裁地為香港，仲裁語言為英語。

16. 條款變更

InvisiPay 保留隨時修改本條款的權利。如我們進行重大變更，我們將通過在網站上發佈更新條款或通過電子郵件通知您。在此類通知後繼續使用服務，即表示您接受修訂後的條款。

17. 聯絡我們

如您對本條款有任何疑問，請通過以下方式聯絡我們：

InvisiPay, Inc.
電子郵件：contact@invisipay.fi
網站：www.invisipay.fi