Terms of Service

1. Acceptance of Terms

By accessing or using NovaPay services, including our website and crypto card products, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Eligibility

To use NovaPay services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using our services under applicable laws
• Provide accurate and complete information during registration

3. NovaPay Card Services

Our crypto card services allow you to:

• Order and receive a physical NovaPay card
• Load funds from supported cryptocurrency sources
• Make purchases at merchants worldwide
• Manage your card through our dashboard

Card availability and features may vary by region and are subject to change.

4. User Responsibilities

You agree to:

• Keep your account credentials secure and confidential
• Notify us immediately of any unauthorized access
• Use the services only for lawful purposes
• Not engage in fraudulent or deceptive activities
• Comply with all applicable laws and regulations

5. Fees and Charges

NovaPay card fees are displayed on our website and during the ordering process. We reserve the right to modify fees with reasonable notice. You are responsible for any transaction fees, currency conversion costs, or other charges associated with card usage.

6. Prohibited Activities

You may not use NovaPay services for:

• Money laundering or terrorist financing
• Purchasing illegal goods or services
• Circumventing financial sanctions or restrictions
• Any activity that violates applicable laws
• Interfering with or disrupting our services

7. Intellectual Property

All content, trademarks, logos, and intellectual property associated with NovaPay are owned by us or our licensors. You may not copy, modify, distribute, or create derivative works without our express written permission.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOVA PAY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR SERVICES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE FEES PAID BY YOU IN THE TWELVE MONTHS PRECEDING THE CLAIM.

9. Disclaimer of Warranties

NOVA PAY SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT GUARANTEE UNINTERRUPTED, SECURE, OR ERROR-FREE SERVICE.

10. Termination

We may suspend or terminate your access to NovaPay services at any time for violation of these terms or for any other reason at our discretion. You may also close your account at any time by contacting us.

11. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Material changes will be communicated through our website or other appropriate channels. Continued use of our services after changes constitutes acceptance of the new terms.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with applicable laws. Any disputes arising from these terms shall be resolved through binding arbitration or in the courts of competent jurisdiction.

13. Contact

For questions about these Terms of Service, please reach out through our official channels on X (@Novapaycards).