Legal

Terms of Use

Last updated: 4 March 2026

Please read these Terms of Use carefully before using the Qupay platform. They govern your relationship with Qupay and outline your rights and obligations as a user.

Acceptance of Terms

By accessing or using the Qupay platform, website, or any associated services (collectively, the "Service"), you agree to be bound by these Terms of Use. If you do not agree to these terms, you may not access or use the Service. These terms apply to all visitors, users, and others who access the Service.

Description of Service

Qupay is a peer-to-peer payment matching and routing platform that connects senders with mobile node operators. Qupay does not hold, transmit, or custody any funds at any time. All transactions are executed directly between users via smart contract escrow. Qupay provides the software infrastructure and matching algorithm only.

Eligibility

You must be at least 18 years of age to use the Service. By using Qupay, you represent and warrant that you have the legal capacity to enter into a binding agreement, that you are not located in a jurisdiction where use of the Service is prohibited, and that you will use the Service in compliance with all applicable laws and regulations.

User Responsibilities

You are solely responsible for all activity conducted through your Qupay account. You agree not to use the Service for any unlawful purpose, including but not limited to money laundering, terrorist financing, fraud, or any activity prohibited under applicable law. You are responsible for maintaining the confidentiality of your login credentials and biometric data. You agree to notify Qupay immediately of any unauthorised access to your account.

Node Operators

Users who elect to operate as Mobile Nodes acknowledge that they are acting as independent principals in all transactions they process. Node operators are solely responsible for maintaining accurate inventory of local currency and crypto assets, compliance with local financial regulations, and all tax obligations arising from their activities on the platform. Qupay does not guarantee transaction volume, earnings, or order flow to any node operator.

Smart Contract Escrow

Transactions on Qupay are governed by smart contracts deployed on a public blockchain. Once funds are committed to escrow, they are subject exclusively to the logic of the smart contract and cannot be reversed by Qupay. Users acknowledge the immutable nature of blockchain transactions and accept all associated risks, including but not limited to network congestion, smart contract bugs, and loss of private keys.

Drop Rewards

Drops are Qupay's internal reward units. They have no guaranteed monetary value and are not redeemable for cash. Qupay reserves the right to modify, suspend, or discontinue the Drops programme at any time without notice. Drops earned on the waitlist are subject to verification at the time of launch and may be forfeited in cases of fraudulent activity.

Prohibited Conduct

You agree not to: reverse engineer, decompile, or disassemble any part of the Service; attempt to gain unauthorised access to any systems or networks; use automated tools to scrape, crawl, or otherwise harvest data from the platform; impersonate any person or entity; or engage in any conduct that restricts or inhibits any other user from using or enjoying the Service.

Intellectual Property

All content, trademarks, logos, software, and other materials provided through the Service are the property of Qupay or its licensors and are protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to access and use the Service for its intended purpose. No rights are transferred to you beyond what is expressly stated herein.

Disclaimers

The Service is provided on an "as is" and "as available" basis without warranties of any kind, express or implied. Qupay does not warrant that the Service will be uninterrupted, error-free, or free of viruses or other harmful components. Qupay makes no representations regarding the suitability of any information on the platform for any purpose.

Limitation of Liability

To the fullest extent permitted by applicable law, Qupay and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of the Service, even if Qupay has been advised of the possibility of such damages.

Changes to Terms

Qupay reserves the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use of the Service following any changes constitutes acceptance of the revised terms. It is your responsibility to review these terms periodically.

Governing Law

These Terms of Use shall be governed by and construed in accordance with applicable law. Any disputes arising under or in connection with these terms shall be resolved through binding arbitration where permitted by law, or otherwise in the courts of competent jurisdiction.

Contact

If you have any questions regarding these Terms of Use, please contact us via Telegram or through the contact information provided on the Qupay website.