Terms of use

These Terms of Use ("Terms") apply to your access to, and use of, the websites Paygety located on domains paygety.com, paygety.eu, paygety.ee, possessed and fully controlled by Paygety oü (Estonia) and its subsidiaries and affiliated companies ("Paygety," "we" or "us").

Please read these terms of use carefully. By accessing or using the site you agree to be bound by the terms described herein and all terms incorporated by reference. If you do not agree to these terms, do not use this website.

Paygety reserves the right to change or modify the terms and conditions contained in these Terms or any policy or guideline of the Site, at any time and in its sole discretion. We will provide notice of these changes by posting the revised Terms to the Site and changing the "Last Revised" date at the bottom of the Terms, or by providing other means of notice as Paygety will determine each time in its sole discretion. Using a particular form of notice in some instances does not obligate us to use the same form in other instances. Any changes or modifications will be effective immediately upon posting the revisions to the Site, and will apply to your subsequent use of the Site. Your continued use of this Site will confirm your acceptance of such changes or modifications; therefore, you should review the Terms and applicable policies whenever you use the Site to understand the terms that apply to such use. If you do not agree to the Terms in effect when you access or use the Site, you must stop using the Site.

Privacy Policy is an integral part of Terms. Thus you supposidly agree to be bound by the terms of Privacy Policy as well.

Paygety is an online tool, which enables to store, use, exchange and manage different cryptocurrencies such Bitcoin, Litecoin, Bitcoin Cash, Ripple, Zcash, Dash, Monero, Ethereum, IOTA and others using our wallet service or fiat currencies such as USD or EURO. The list of accepted currencies may vary over the time. All accepted currencies are дшыеув on corresponding sections of the Site and users interface. If you do not see the desired currency that means we do not currently accept it. You are welcome to inquire us regarding its availability. Based on customers demand we may deside to include new currencies into the list.

NOTE: deposit in fiat currencies is currently accepted only in Euro

By accessing or using the Site, you represent and warrant that you have not previously been suspended or removed from the Site. You must be an individual of at least 18 years of age. You can use our Services only if you can lawfully enter into an agreement to these Terms under applicable law. If you use our Services, you agree to do so in compliance with these Terms and with applicable laws and regulations. You further represent and warrant that you will not use the Site if the laws of your country prohibit you from doing so in accordance with these Terms.

The User represents and warrants that both Fiat currency and cryptocurrency deposited to the Account belong to the User and derived from legal sources.

The User represents and warrants than he/she will withdraw any cryprocurrency from his/her Account only to his/her wallets, otherwise Paygety does not hold any liability for the consequences of such withdrawal.

To use any Service offered by Paygety site as long as he/she agrees to and complies with Terms and any and all applicable laws and regulations related to the use of the Services.

To inquire customer support regarding any question he/she may have.

The User undertakes to immediately notify Paygety about any unusual, suspicious, unclear or abnormal changes on his/her Account.

The User undertakes the responsibilities to immediately notify Paygety of any unauthorized use of his/her Account or password, or any other breach of security by email [email protected] or any other communication means available.

The User undertakes not to use the Service to perform criminal activity of any sort, including but not limited to, money laundering, illegal gambling operations, financing terrorist organizations, or malicious hacking.

Nothing in the Terms of Use excludes or limits the liability of the User for fraud, death or personal injury caused by their negligence, breach of the terms implied by operation of law or any other liability which may not be limited or excluded by law.

Users are solely responsible for determining whether any contemplated Transaction is appropriate for them based on their personal goals, financial status and risk willingness.

The User is responsible for any and all damages caused and all liability actions brought against Paygety for infringement of any third party rights or violation of any applicable laws.

All payment credentials in user's Account, may it be a bank account, credit card, debit card, or others must be named after the Account holder. Any attempt otherwise will be considered as fraud.

One user is allowed to create only one account. The breach of this rule will lead in immediate blocking of all accounts and funds of such a user.

Paygety has the right to suspend the User’s Account and block all Cryptocurrency, Fiat currency contained therein in case of non-fulfilment or unduly fulfilment of the Terms by the User.

Paygety shall provide the Services with reasonable care and skill and in accordance with these Terms.

Paygety undertakes to provide the Services with the utmost effort, due care and in accordance with these Terms of Use.

Paygety represents and warrants that once the orders to buy, sell or exchange Cryptocurrencies and fiat currencies match, such orders may not be cancelled or reversed. It holds all currencies acquired by User in his/her Account and on the respective User's behalf.

In the case of fraud, Paygety is obligated to report all the necessary information, including names, addresses and all other requested information, to the relevant authorities dealing with fraud and breaches of the law. The Users recognize that their account may be frozen at any time at the request of any competent authority investigating a fraud or any other illegal activity.

Paygety responsibility shall be limited to using reasonable technical efforts to ensure the receipt of the cryptocurrency transferred. When initiating cryptocurrency transactions to a user Paygety responsibility shall be further limited to ensuring the transfer of the necessary technical data by credentials stated by User to the cryptocurrency network.

To the extent permitted by law, Paygety is not responsible for any damages, loss of profit, revenue, business, opportunity, data, indirect or consequential loss unless the loss suffered is caused by a breach of the Terms by Paygety.

Paygety is not responsible for any malfunction, breakdown, delay or interruption of the Internet connection or any reason why our site is unavailable at any given time.

Paygety is not responsible for the delay in the processing of payments made by the fault of any third parties, operators of such transactions.

In order to access and use certain features on the Site, you must create an account with Paygety ("Account"). You agree to: (a) provide accurate, current and complete information when creating or updating an Account; (b) maintain and promptly update your Account information; (c) maintain the security and confidentiality of your login credentials and restrict access to your Account and your computer; (d) promptly notify Paygety if you discover or otherwise suspect any security breaches related to the Site; (e) activate Two-Step-Verification via a mobile application or SMS text messages; and (d) take responsibility for all activities that occur under your Account and accept all risks of unauthorized access without active Two-Step-Verification.

Identification and verification procedures are required for all the transactions with fiat currencies. Allowed maximum transaction amount of fiat currencies depends on the Verification Level. To get the first Verification Level you need to fill in an online form with your personal details such as name, address and phone number and apply a scan copy or quality photo of any gomernment issued document. To obtain second level you need to submit a second document and a selfie with a document in your hand near the face. While the first document must be one of the major document like passport or driver licence, the second document can be a utility bill issued in your name where your address is also mentioned (electricity, water, wire telephone), recent bank statement or tax declaration.

You are requested to provide us with correct and relevant documents and personal information contained therein. In case the User provides counterfeit documents and false personal information, such behavior will be interpreted as a fraudulent activity.

The User hereby authorise Paygety to, directly or indirectly (through third parties), make any inquiries we consider it necessary to check the relevance and accuracy of the information provided for verification purposes.

We may, without liability to you or any third party, refuse to let you open an account, suspend your account, or terminate your account or your use of one or more of the Services. Such actions may be taken as a result of account inactivity, failure to positively identify yourself, if we believe your account has been compromised, in order for us to comply with laws or regulations, or your violation of the terms of this Terms. If you have cryptocurrency remaining in an account, which has been suspended or closed, you will be able to access such cryptocurrency and withdraw them to an external cryptocurrency address (unless prohibited by law or a court order). If you are unable to login to your account because it has been suspended, you must contact us at [email protected] to process such withdrawal. If you have linked a bank account, debit card, or credit card to your account, we reserve the right to require you to provide further identifying information before processing such withdrawal or transfer.

You may terminate your account with us at any time notifying us in written and discontinuing the use of Services. Upon termination of this Terms and your account, you remain liable for all transactions made while the account was open.

A Dormant Account is defined as a user account with no login or other activity for more than 180 days. Paygety may, but shall not be obligated to, move funds out of the User's account into a secure Cold Storage account for safe keeping. When a user resumes activity on a dormant account, the Cold Storage funds can be retrieved by contacting support for a security review and reinstatement.

Our Site allows the User to submit the orders to buy, sell or exchange cryptocurrencies and fiat currencies.

The User recognizes that the order should only be submitted after consideration and the User understands and accepts consequences of its execution. The User agrees that as soon as the order is executed, the corresponding transaction is irreversible and may not be cancelled. Transactions are being executed either way automatically or manualy upon our superviror's review that depends on the transaction amount. Upon the execution of the transaction the status of the order will be changed and the User will be notified. And the executed transaction will be considered to have taken place at the execution date and time.

Transaction limits and transaction fees vary depending on selected currencies and can be seen on the page when placing ad order

The User acknowledges and agrees that:
- Deposit and Withdrawal Transaction in Fiat currency may be delayed due to bank verifications and checks, bank weekends and holidays.
- Similarly and due to the inherent nature of the cryptocurrency networks, depositing and withdrawing Cryptocurrencies into/from their Account may take some time.
- Depending on the amount of the order and upon our own discretion we may deside to process the order manualy for security reason that also will cause a delay.

Unverified users are not allowed to withdraw or deposit any fiat currencies to/from their accounts. Cryptocurrencies are allowed however for withdrawal and deposit with limitations.

The User can transfer crypto and fiat currencies between the accounts on the site with no commissions, so you can send any amount of any currency to another user. Verification level 2 is required for such transactions.

The User can also use Vouchers to transfer any currencies between the Accounts. No commissions or fees are charged for generating and redeeming Vouchers. Paygety shall not be liable and shall not accept any liability, obligation or responsibility whatsoever for any loss or damage arising from the use of the Vouchers purchased from any third parties or acquired in any other way. To avoid doubts, the User is solely responsible for ensuring that the Voucher they acquired is genuine and redeemable.

Paygety may be forced to cancel or recall already executed Withdrawal Transaction at a request of financial institutions, including but not limited to banks, which are involved in settlement of such Transactions. In such cases the User obliges to cooperate with us in order to discover the reasons for such request.

A new User's order will be placed in queue with status 'Pending'. When the order processing is started its status will be changed to 'In progress'. When the processing of the order is finished its status will be 'Processed'.

Any order can be cancelled or reverted upon User's request if order status is Pending. If you request the cancellation of the order in status 'In progress' we'll do our best to cancel and/or revert the transation with no guarantee however. No processed transaction can be cancelled or reverted

If you grant express permission to a third party to connect to your account, either through the third party's product or through Paygety, you acknowledge that granting permission to a third party to take specific actions on your behalf does not relieve you of any of your responsibilities under this Terms. Further, you acknowledge and agree that you will not hold Paygety responsible for, and will indemnify Paygety from, any liability arising from the actions or inactions of this third party in connection with the permissions you grant.

All Services are provided “AS IS”, without guarantees of any kind, either expressed or implied.

We always strive to keep the Site up and running; however, all online services suffer from occasional disruptions and outages and Paygety does not provide any guarantees that access to the Site will not be interrupted or that there will be no delays, failures, errors, omissions or loss of transmitted information.

Paygety is not liable for any disruption or loss the User may suffer as a result.

Paygety will use reasonable endeavors to ensure that the User can normally access the Site in accordance with the Terms of Use.

Paygety may suspend use of the Site for maintenance and will make reasonable efforts to give the User a notice. The User acknowledges that this may not be possible in an emergency.

You undertakes to pay all your taxes and duties, which can be resulted from the use of our Services and should be paid according to the User’s state of residence regulations.

These Terms of Use shall be governed by and construed in accordance with the laws of Estonia, unless otherwise expressly provided. All disputes and controversies arising out of or in connection with this website and these Terms of Use shall be submitted to Tartu county court (Estonia), Tartu courthouse, as the Court of first instance. If any portion of these Terms of Use shall be deemed invalid, void or for any reason unenforceable, such portion shall be deemed severable and shall not affect the validity and enforceability of any remaining portion.

IN NO EVENT SHALL Paygety oü, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND ALL THIRD PARTY SERVICE PROVIDERS BE LIABLE TO THE USER OR ANY OTHER PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING ANY THAT MAY RESULT FROM (I) ACCURACY, COMPLETENESS OR CONTENT OF THIS SITE, (II) ACCURACY, COMPLETENESS OR CONTENT OF ANY SITES LINKED (THROUGH HYPERLINKS, BANNER ADVERTISING OR OTHERWISE) TO THIS SITE, (III) THE SERVICES FOUND AT THIS SITE OR ANY SITES LINKED (THROUGH HYPERLINKS, BANNER ADVERTISING OR OTHERWISE) TO THIS SITE, (IV) PERSONAL INJURY OR PROPERTY DAMAGE OF ANY NATURE WHATSOEVER, (V) THIRD-PARTY CONDUCT OF ANY NATURE WHATSOEVER, (VI) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS AND/OR ANY AND ALL CONTENT, PERSONAL INFORMATION, FINANCIAL INFORMATION OR OTHER INFORMATION AND DATA STORED THEREIN, (VII) ANY INTERRUPTION OR CESSATION OF SERVICES TO OR FROM THIS SITE OR ANY SITES LINKED (THROUGH HYPERLINKS, BANNER ADVERTISING OR OTHERWISE) TO THIS SITE, (VIII) ANY VIRUSES, WORMS, BUGS, TROJAN HORSES OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR FROM THIS SITE OR ANY SITES LINKED (THROUGH HYPERLINKS, BANNER ADVERTISING OR OTHERWISE) TO THIS SITE, (IX) ANY USER CONTENT OR CONTENT THAT IS DEFAMATORY, HARASSING, ABUSIVE, HARMFUL TO MINORS OR ANY PROTECTED CLASS, PORNOGRAPHIC, “X-RATED”, OBSCENE OR OTHERWISE OBJECTIONABLE AND/ OR (X) ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USER'S USE OF THIS SITE OR THE SERVICES FOUND AT THIS SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL OR EQUITABLE THEORY AND WHETHER OR NOT Paygety oü IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN ADDITION, YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THIS SITE OR THE SERVICES FOUND AT THIS SITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE SUCH CAUSE OF ACTION SHALL BE PERMANENTLY BARRED. IN ADDITION, THE USER SPECIFICALLY ACKNOWLEDGE AND AGREE THAT IN NO EVENT SHALL Paygety oü’S TOTAL AGGREGATE LIABILITY EXCEED THE TOTAL AMOUNT PAID BY THE USER FOR THE PARTICULAR SERVICES THAT ARE THE SUBJECT OF THE CAUSE OF ACTION. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW AND SHALL SURVIVE ANY TERMINATION OR EXPIRATION OF THIS TERMS OR THE USER'S USE OF THIS SITE OR THE SERVICES FOUND AT THIS SITE.

If Paygety oü is unable to perform the Services outlined in the Terms due to the factors beyond its control including but not limited to the event of Force Majeure, change of law or change in sanctions policy, Paygety oü will not have any responsibility to the User with respect to the ыervices provided hereunder and for a time period coincident with the event.

The User agrees to protect, defend, indemnify and hold harmless Paygety oü and its officers, directors, employees, agents and third party service providers from and against any and all claims, demands, costs, expenses, losses, liabilities and damages of every kind and nature (including, without limitation, reasonable attorneys’ fees) imposed upon or incurred by Paygety oü directly or indirectly arising from
- the User’s use of and access to this Site or the Services found at this Site;
- the User’s violation of any provision of the Terms; and/or
- the User’s violation of any third-party right, including without limitation any intellectual property or other proprietary right. The indemnification obligations under this section shall survive any termination or expiration of the Terms of Use or the User’s use of this Site or the Services found on this Site.

Although we intend to provide accurate and timely information on the Paygety Site, the Paygety Site (including, without limitation, the Content) may not always be entirely accurate, complete or current and may also include technical inaccuracies or typographical errors. In an effort to continue to provide you with as complete and accurate information as possible, information may be changed or updated from time to time without notice, including without limitation information regarding our policies, products and services. Accordingly, you should verify all information before relying on it, and all decisions based on information contained on the Paygety Site are your sole responsibility and we shall have no liability for such decisions.

You agree that these Terms of Use, Paygety's Privacy Policy and other notices posted through the Services have been drawn up in English. Although translations in other languages of any of the foregoing documents may be available, such translations may not be up to date or complete. Accordingly, you agree that in the event of any conflict between the English language version of the foregoing documents and any other translations thereto, the English language version of such documents shall govern.

If you have any questions about this terms Policy, the practices of this site, or your dealings with this site, including requests for access to personal information and/or correction of personal information, please contact us at: