Terms of Service

1. Introduction

Welcome to NorPay. These Terms of Service ("Terms") govern your access to and use of NorPay's services, including our website, mobile applications, and any related services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

NorPay UAB is a limited liability company registered in Lithuania (Legal Code: 307440553), located at Architektų g. 56-101, LT-04111 Vilnius, Lithuania.

2. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using our Services under applicable laws
• Provide accurate and complete information during registration
• Maintain the security and confidentiality of your account credentials

3. Account Registration and Security

When you create an account with NorPay, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access or security breach
• Accept responsibility for all activities that occur under your account

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent, illegal, or harmful activities.

4. Use of Services

You agree to use our Services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Services for any illegal or unauthorized purpose
• Violate any applicable laws, regulations, or third-party rights
• Engage in fraudulent activities or money laundering
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the integrity or performance of our Services
• Transmit viruses, malware, or other harmful code
• Impersonate any person or entity or misrepresent your affiliation

5. Financial Services

NorPay provides digital banking and payment services subject to applicable financial regulations. By using our financial services, you acknowledge that:

• Transactions may be subject to verification and compliance checks
• We may request additional documentation to verify your identity
• Transaction limits and fees may apply as outlined in our pricing
• Processing times may vary depending on the type of transaction
• We comply with anti-money laundering (AML) and know-your-customer (KYC) regulations

6. Fees and Charges

Our fee structure is transparent and available on our pricing page. You agree to pay all applicable fees for the Services you use. We reserve the right to modify our fees with 30 days' notice. Continued use of our Services after fee changes constitutes acceptance of the new fees.

7. Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, and software, are the exclusive property of NorPay UAB and are protected by international copyright, trademark, and other intellectual property laws.

8. Limitation of Liability

To the maximum extent permitted by law, NorPay UAB shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses resulting from your use of or inability to use our Services.

9. Termination

We may terminate or suspend your account and access to our Services immediately, without prior notice, for any reason, including if you breach these Terms. Upon termination, your right to use the Services will immediately cease.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Lithuania, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Lithuania.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the new Terms on our website and updating the "Last updated" date. Your continued use of our Services after such modifications constitutes acceptance of the updated Terms.

12. Contact Information

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