Terms & Conditions

1. Acceptance of Terms

By creating an account, accessing our platform, or using any BSTPay service, you acknowledge that you have read, understood, and agreed to these Terms & Conditions and any additional policies published by BSTPay.

2. Eligibility

You must be legally capable of entering into a binding agreement under applicable laws and regulations. BSTPay may require identity verification, business verification, or additional compliance documentation before granting access to certain services.

3. Description of Services

BSTPay provides financial technology solutions including but not limited to:

• Payment processing infrastructure
• Merchant payment tools
• Cross-border payment facilitation
• Digital wallet technology
• Business and SME tools
• API and developer solutions
• Virtual account services through partners
• Foreign exchange facilitation through licensed providers

4. Account Responsibilities

You are responsible for maintaining the confidentiality of your account, credentials, devices, and security information. Any activity carried out through your account may be treated as authorized by you unless otherwise proven.

5. Compliance Requirements

BSTPay operates compliance controls designed to support Anti-Money Laundering (AML), Counter-Terrorism Financing (CTF), Know Your Customer (KYC), sanctions screening, fraud prevention, and financial crime monitoring.

We may suspend, restrict, delay, review, or reject transactions where compliance concerns arise or where required by law.

6. Fees & Pricing

Certain BSTPay services may attract transaction fees, subscription fees, conversion fees, settlement fees, or partner-related charges. Applicable fees will be disclosed before the completion of a transaction where required.

7. Exchange Rates

Currency conversion rates displayed on BSTPay may originate from licensed foreign exchange providers, banking partners, liquidity providers, or regulated financial institutions. Rates are subject to change without notice and may differ from publicly quoted market rates.

8. Prohibited Activities

Users must not use BSTPay for unlawful, fraudulent, deceptive, sanctioned, prohibited, or high-risk activities including:

• Money laundering
• Terrorist financing
• Fraudulent transactions
• Identity theft
• Unauthorized payment processing
• Illegal products or services
• Activities prohibited by applicable regulations

9. Third-Party Providers

BSTPay may rely on third-party banks, payment processors, settlement partners, foreign exchange providers, compliance vendors, cloud providers, and financial institutions to deliver services.

Service availability, processing times, and settlement timelines may depend on such third-party providers.

10. Transaction Delays & Availability

While BSTPay aims to provide reliable and efficient services, transactions may occasionally be delayed due to compliance reviews, banking processes, technical maintenance, regulatory requirements, force majeure events, or partner-related issues.

11. Intellectual Property

All BSTPay trademarks, logos, software, content, technology, designs, interfaces, and related intellectual property remain the exclusive property of BSTPay or its licensors.

12. Limitation of Liability

To the fullest extent permitted by applicable law, BSTPay shall not be liable for indirect, incidental, consequential, special, punitive, or business interruption losses arising from the use of the platform or services.

13. Suspension & Termination

BSTPay may suspend, restrict, or terminate access to services where necessary to protect users, comply with regulations, investigate fraud, manage risk, or enforce these Terms & Conditions.

14. Amendments

BSTPay reserves the right to modify these Terms & Conditions at any time. Updated versions will become effective upon publication on the platform.

15. Governing Law

These Terms & Conditions shall be governed and interpreted in accordance with applicable laws and regulations governing the jurisdictions in which BSTPay and its licensed partners operate.