1. The FaceToPay Services

FaceToPay provides the Contracting Party the access to a web-based Platform which enables the acceptance of cryptocurrencies as payment for goods and services, and has developed these Terms in order to describe the terms that govern the use of the Platform.

The Contracting Party is a validly existing entity and/or corporation which offers goods and services to its customers and wishes to receive the purchase price in fiat currency.

The Contracting Party may request a transaction in cryptocurrency from another external Party and wishes to receive it in fiat money.

The Contracting Party instructs FaceToPay to accept the payment of the purchase price in cryptocurrencies by the use of FaceToPay’s software and application programming interface (API) on behalf of the Contracting Party.

Further, the Contracting Party instructs FaceToPay to provide, resourcing to a third party provider, for the conversion of the cryptocurrencies into fiat currency. The said third party provider shall also accept on its own accounts, but on behalf of the Contracting Party, the fiat currency amounts.

FaceToPay may perform refunds to the Contracting Party’s customers on behalf of the Contracting Party.

2. Registration

In order to use our Services, the Contracting Party must register on our Platform.

Upon registering, and in the course of the onboarding registration process in the Platform, the Contracting Party will be required to provide any information requested by FaceToPay either regarding any company’s business, or of any other type.

To verify the Contracting Party’s identity, to assess business risks, and in order to comply with the applicable legislation and regulations, we will require any and all necessary documentation in order to proceed with the registration in our Platform. We may also obtain information from third parties and identity verification services.

We have the right to reject any account registration for any reason whatsoever, namely, but without limitation, due to lack of information or due to the conclusions derived from the analysis of any specific information, or to later close any account, at our own and sole discretion, namely, without limitation, if the information provided is not true, accurate and complete or we suspect there is a breach of these Terms.

The Contracting Party will then be asked to expressly agree to be bound by these Terms and Conditions.

By creating an account and/or by simply using FaceToPay’s Platform and website, you agree that you have read, understood and accepted all of these terms included in this Agreement.

3. Service limitations and restrictions

FaceToPay grants the Contracting Party a limited, non-exclusive, non-transferable license, subject to these Terms, to access and use the FaceToPay Site, and related content, materials, information (collectively, the ‘Content’) solely for approved purposes as permitted by FaceToPay from time to time. Any other use of the FaceToPay Site or Content is expressly prohibited and all other right, title, and interest in the FaceToPay Site or Content is exclusively the property of FaceToPay.

The Contracting Party shall comply, and shall seek that its users comply with the following conditions of use:

           a) the Service may only be used in connection with the Contracting Party’s own business purposes;

           b) the Service may not be accessed from certain locations;

3. Except to the extent such activities are expressly agreed by the Parties, the Contracting Party’s right to benefit from the Services does not to:

           a) use the Service in any way that harms FaceToPay or its affiliates, agents or branches, or any Contracting Party or other users of the Services;

          b) engage in or facilitate any unlawful conduct;

          c) damage, disable, overburden or harm the Services (or the networks connected) or interfere with anyone’s use of the Services;

          d) redistribute the Services, or any part of the Services, unless contracted otherwise;

          e) use any unauthorized automated process(es) or service(s) to access and/or use the Services;

          f)  use any unauthorized means to modify or reroute, or attempt to modify the Services or work around any technical limitations in the Services;

          g) copy, cut and paste, email, reproduce, publish, distribute, redistribute, broadcast, transmit, modify, adapt, edit, abstract, create derivative works of, store, archive, publicly display, sell or in any way commercially exploit any part of the Services.

          h) observe, study or test the functioning of the underlying software (or any part of it) that is used to provide the Services.

The Contracting Party may only use the Services for legitimate transactions with its own customers and is responsible for its relationship with them, being the sole and unique entity that can be held liable towards them.

The Contracting Party is solely responsible for the nature and quality of the products or services it provides.

The Contracting Party shall not be permitted to frame or mirror any part of the Service other than as permitted by the Documentation or with FaceToPay’s express written consent.

FaceToPay reserves the right to monitor usage by all users (by way of audits or otherwise) during the term of this Agreement for the purpose of (among others) ensuring compliance with these Terms.  Any audit may be carried out by FaceToPay or a third party authorized by FaceToPay. If any audit reveals that any password has been provided to an individual that is not a user of the Platform, FaceToPay is entitled to, without any delay, disable any such passwords and notify the Contracting Party immediately about such circumstance and situation.

In the event of unauthorized use of the Services by any Contracting Party, FaceToPay reserves the right to deny the Contracting Party’s or its users’ access to the Service by blocking, without prior notification, the IP addresses that the Contracting Party or users used to access the Service. If FaceToPay suspects or knows that the Contracting Party is using or has used the Services for unauthorized, fraudulent, or illegal purposes, FaceToPay may share any information related to such activity with the competent authorities, regulatory authorities or law enforcers consistent with its legal obligations. This information may include information about the Contracting Party, its account, the users, and transactions made through the use of the Services.

The Contracting Party must use the Services in a lawful manner, and must obey all laws, rules and regulations applicable to the use of the Services and to transactions.

The Contracting Party may not use the Services to enable any person to benefit from any activities that violate the letter or spirit of any of these Terms, or the applicable laws and/or regulations.

In the event these Terms or the Services are terminated for any reason, you acknowledge and agree that you will continue to be bound by these Terms. Following this, you shall immediately cease use of the Services and any license granted to you under any agreement related to your use of the Services shall immediately terminate.

4. Warranties and representations

The use of the Services is subject to the laws and regulations of Estonia regarding the prevention of money laundering and terrorist financing. The Contracting Party agrees and acknowledges that the use of the Services will comply with such laws and regulations.

FaceToPay warrants to the Contracting Party that:

          a) it has the right, power and authority to enter into these Terms and to grant the rights contemplated in these Terms and to supply the Services to the Contracting Party;

          b) the Services will be supplied with reasonable care and skill.

FaceToPay does not warrant or represent that the Services will be free from errors and interruptions.

The warranties in this clause are subject to the Contracting Party giving notice to FaceToPay as soon as it is reasonably able upon becoming aware of the breach of each warranty. When notifying FaceToPay of a breach, the Contracting Party shall use its reasonable endeavours to provide FaceToPay with such documented information, details and assistance as FaceToPay may reasonably request.

FaceToPay will not be held liable under this clause, or be required to remedy any problems arising from or caused by the Contracting Party’s use of the Services in a manner other than as directed by FaceToPay.

Except as expressly stated in these Terms, and subject to this clause, all warranties and conditions, whether express or implied by statute or otherwise, are excluded to the extent permitted by law.

The Contracting Party acknowledges and agrees that:

          a) it is the Contracting Party’s responsibility to ensure that the facilities and functions of the Services meet the Contracting Party’s requirements and will not cause any error or interruption in the Contracting Party’s own software or systems;

          b) FaceToPay may allow third-party providers applications to access Contracting Party Data and Authorized Customer Data as required for the interoperation of such Third-Party Applications, and such access and use of Contracting Party Data and Authorized Customer Data will be subject to the privacy policies of such Third-Party Applications for use with the Services;

          c) FaceToPay only provides software as a service and that software may never be free of defects, errors and bugs;

          d) FaceToPay is not responsible for any delays, failures, or any other loss or damage resulting from Contracting Party’s access to and use of the Services through applications of a third party; and

          e) FaceToPay is not responsible for any content and/or acts provided and/or executed by a third party and shall have no liability or obligations with respect to such content.

The Contracting Party represents and warrants to FaceToPay that:

          a) it is eligible to register and use the Services and has the right, power, and ability to enter into and perform under these Terms and to grant the rights and authorizations as agreed in these Terms;

          b) Its use of the Services will not relate to any of the following restricted activities:

                    i) sex industry and sex workers;

                    ii) hate groups or promoters of violence;

                    iii) military industries and arms manufacturers;

                    iv) sales of narcotics;

                    v) money laundering and/or terrorism financing;

                    vi) items that infringe or violate any intellectual property rights such as copyrights, trademarks, trade secrets or patents;

                    vii) any Services that compete with FaceToPay.

          c) the name identified when the Contracting Party registered is the correct name or business name under which it sells products and services;

          d) It is solely responsible for obtaining any information required by its customers, as well as their eligibility;

          e) it will fulfil all obligations to each of its own customers and will resolve any dispute or complaint directly with its own customers;

          f) It shall and will ensure to compliance with all applicable laws and regulations and that all transactions initiated by its own customers will comply with all laws, rules, and regulations applicable to their business, including any tax laws and regulations;

          g) the Contracting Party will accurately and in compliance with the applicable law describe the use of personal information and the use of the Services in accordance with the Privacy Policy;

          h) it will not use the Services, directly or indirectly, for any fraudulent undertaking or in any manner so as to interfere with the use of the Services;

          i) it will and ensures that its own customers will also, keep confidential and, except as provided for in these Terms, not share with any third party, their password or access details provided to facilitate access to the Service;

          j) it will not, and will seek that its own customers will also not, introduce any software virus or other malware (including any bugs, worms, logic bombs, trojan horses or any other self-propagating or other such programs) that may infect or cause damage to the Service or FaceToPay’s systems or otherwise disrupt the provision of the Service;

          k) it will implement a provision in the agreement to be established with its own customers stating that a possible refund to the customer may happen in another currency than the one used for the execution of the initial payment, and that the customer will have to participate in a KYC process to be executed within the applicable legal and regulatory terms, in order to obtain such refund;

5. Refund terms


5.1. General terms

In order to request a refund, the Contracting Party’s customer must contact the Contracting Party’s directly, according to the contractual provisions established in the agreement signed between the said parties.

The information provided regarding purchase issues should be true and reliable. False and inaccurate information may invalidate refund eligibility. If the Contracting Party is not able to properly identify a customer or transaction, then the refund can’t be processed.

It is the Contracting Party’s customer responsibility to maintain a record of all communications. This includes weblogs, emails, tracking numbers, delivery confirmation, proof of prior refunds, and replacement shipments. When the buyer submits these files, they must be legible. If necessary, the Contracting Party’s customer should use bold text to identify pertinent information. FaceToPay advises providing clear and accurate evidence to the Contracting Party. Any illegible text or data that is submitted will be considered incomplete and it will be unable to undergo review.

The Contracting Party’s customer shall be able to, in a timely manner, cooperate with the Contracting Party and FaceToPay.

FaceToPay may facilitate refunds on the Merchant’s behalf. The Merchant may decide to issue a partial or full refund amount of the initial purchase.

As soon as the Contracting Party initiates the refund, the proper amount will be sent through the FaceToPay platform.

The Contracting Party’s customer will provide the address to where the refund will be sent to. The Contracting Party’s customer has to be absolutely certain that its address was typed correctly. A single missed digit could mean that the refund will be sent to another address. Since transactions cannot be reversed it’s crucial to double-check everything.

The refund process can only start after a detected payment transaction is confirmed.

FaceToPay will be responsible for executing any Refund derived from non-complete transactions, as described in the payment exceptions section below.

5.1.1 Terms of partner participation in FaceToPay investment marketing contracts.

a) The duration of the special investment contract is regulated by the period indicated on the standard investment tab: https://facetopay.com/invest, as well as on NFT-marketplace tab: https://facetopay.com/nft_market and corresponds to a period from 1 day to 150 days with a buyback option from 1 to 45 days, depending on the contract offer.

b) Clarification of the deposit program conditions regarding the investor's obligations when purchasing an investment contract for NFT-marketplace partners. The partner undertakes to have a completed investment circle under the standard contract offer before purchasing the rights to the contract for the NFT tokens resale. If the partner chooses the contract purchase direction for the resale of an NFT-token before the standard contract proposal is completed, the partner undertakes to activate standard contract offer during the active NFT-offer or upon its completion. Это правило не распространяется на дубликат депозита, открытый до покупки NFT-контракта. When creating a duplicate deposit during the NFT-contract operation or after its processing, the partner doesn't need to wait for the end of the active standard marketing proposal, and the profitability from NFT-resale is financially active for withdrawal to payment details or activation of funds in a staking account.

c) A partner can register multiple accounts from one device for their partners, friends or relatives, however, the FaceToPay financial transfer system doesn't allow multiple active accounts with identical payment details for one partner. FaceToPay never blocks accounts and doesn't restrict access to accounts, even if violations have been identified in them. We stand for a loyal resolution of conflict disputes when determining the presence of multi-accounts and always go to meet each partner on mutually beneficial terms. If several partners have identical payment information, we recommend changing the payment information for each ID by performing a duplicate operation that was performed when linking the payment information for the account (adding funds to account or funds withdrawal). After a duplicate operation partner should change own payments details in the FaceToPay system: https://facetopay.com/details.

d) The Financial Monitoring Department reserves the right to monthly monitor the partner's payment details to ensure the security of financial transactions. The finance department has the right to request a paid payment details binding during monthly monitoring of payment data and convert this payment to SFT-tokens for further involvement in the staking program with a regulated period of relevance.

5.2. Payment exceptions

5.2.1 Underpayment

Underpayment occurs when the Contracting Party’s customer sends less than the full amount required to mark the order as paid. Since the order is not fully paid or complete, the funds are not sent to the Contracting Party. FaceToPay will send an email notification to the Contracting Party’s customer explaining the refund process and asking to provide the address to where FaceToPay can send the refund.

For 2 hours from the time the payment process is initiated, FaceToPay monitors the blockchain in an attempt to detect the transaction(s) and the following confirmation. Please bear in mind that, if you made more than one transaction, the first transaction has to be detected within 1 hour.

All the transactions detected after the order expiration will be marked as “payment detected after order expiration”. Within 24 hours, all late detected and confirmed transactions will be refunded together; after this period of time, all confirmed transactions will be refunded individually (initiated after the confirmation of each transaction).

Once the refund is completed, FaceToPay will send an email notification to the Contracting Party’s customer confirming the refund.

5.2.2. Overpayment

An overpayment occurs when the Contracting Party’s customer sends more than the full amount required to mark the order as paid. Once the payment is confirmed, the funds will be transferred to the Contracting Party.

In order to refund the exceeding amount, FaceToPay will send an email notification to the Contracting Party’s customer explaining the refund process and asking to provide the address to which FaceToPay can send the refund.

The refund will be automatically triggered by FaceToPay for the exceeding amount received.

Once the refund is completed, FaceToPay will send an email notification to the Contracting Party’s customer confirming the refund.

5.2.3. Payment detected after order expiration

Payment detected after order expiration occurs when the transaction is detected after 1 hour, or when it is detected within 1 hour but confirmed after 2 hours.

Within 24 hours, all late detected and confirmed transactions will be refunded together; after this period of time, all confirmed transactions will be refunded individually (initiated after the confirmation of each transaction).

The refund will be automatically triggered by FaceToPay for the full amount received.

FaceToPay will send an email notification to the Contracting Party’s customer explaining the refund process and asking to provide the address to where FaceToPay can send the refund.

Once the refund is completed, FaceToPay will send an email notification to the Contracting Party’s customer confirming the refund.

5.2.4. Order cancellation

Order cancellation occurs when the Contracting Party’s customer cancels the order during the payment process.

Within 24 hours, all the detected and confirmed transactions will be refunded together; after this period of time, all confirmed transactions will be refunded individually (initiated after the confirmation of each transaction).

The refund will be automatically triggered by FaceToPay for the full amount received.

FaceToPay will send an email notification to the Contracting Party’s customer explaining the refund process and asking to provide the address to where FaceToPay can send the refund.

Once the refund is completed, FaceToPay will send an email notification to the Contracting Party’s customer confirming the refund.

5.3. Reimbursement requirements

FaceToPay is not responsible for the Contracting Party refund policies. We recommend the Contracting Party to provide a clear refund policy to their Contracting Party’s customers (i.e. exceptions, advice, and specific terms).

Refunds take place within 6 months after the order expires.

Minimum refund amount corresponds to the minimum possible amount in fiat currency.

5.4. Recommended resolution 

For complete payments, here are a couple of ways of resolving an issue:

          a)  Deciding on a friendly resolution. This is always the preferred option for both parties. The Contracting Party’s customer should resolve the problem directly with the Contracting Party in accordance with their return/refund policy. It is the Contracting Party’s responsibility to keep track of the Contracting Party’s established deadlines. The Contracting Party might require the Contracting Party’s customer to take certain actions. If the Contracting Party’s customer fails to meet merchant conditions, he or she may not receive the refund.

          b)  Opting for special refunds. The Contracting Party may opt to appeal for a different kind of refund such as a non-documented refund.

5.5. Refund Amount 

If the Contracting Party and the Contracting Party’s customers reach an agreement on the refund, the Contracting Party will initiate the process and the Contracting Party’s customer will receive the agreed amount of the payment. The transaction, mining, and network fees will be subtracted from the final amount. The refund amount is transferred in crypto and corresponds to the agreed amount in fiat, converted using the exchange rate fixed at the time the Contracting Party’s customer provides the refund address.

The Contracting Party is liable for the amount FaceToPay will reimburse the Contracting Party’s customer. Please keep in mind that FaceToPay is not obliged to reimburse the fees or any other costs associated with the transaction.

Please note that for every payment exception mentioned in section 6.2., the total refund amount equals the exact amount received in cryptocurrency. 

5.6. Failed payment 

Failed payments occur when the payment transaction fails due to reasons other than the payment exceptions mentioned in section 6.2. This usually results from invalid or rejected transactions sent to the blockchain or due to fraud detection systems flagging the origin address. Other legal or technical matters can also be responsible for this. 

6. Suspension of Access

FaceToPay may suspend access to the Services to the Contracting Party and to the Contracting Party’s customer if:

          a) FaceToPay suspects that there has been any misuse of the Services or breach of these Terms or the Documentation; or

          b) the Contracting Party fails to pay any sums due to FaceToPay by the due date for payment.

FaceToPay will notify the Contracting Party or the affected users as soon as possible after suspending the Services.

Where the reason for the suspension is suspected misuse of the Services or breach of these Terms, FaceToPay will take steps to investigate the issue and may restore or permanently suspend access at its own and sole discretion. If FaceToPay considers it appropriate to permanently suspend access to all of the Contracting Party’s customers, it will notify the Contracting Party in writing and these Terms will terminate immediately on service of such notice.

In relation to suspensions under item b), access to the Services will be restored promptly after FaceToPay receives payment in full and cleared funds.

Subscription Fees shall remain payable during any period of suspension notwithstanding that the Contracting Party and/or its Contracting Party’s customers may not have access to the Services.

FaceToPay reserves the right to suspend the use of Services, without implying the termination of the Agreement, whenever there are reasonable grounds relating to the security of the Services or the protection of user interests or suspicion of abusive, unauthorized or fraudulent use.

FaceToPay shall inform the Contracting Party and the Contracting Party’s customers, directly or through the Contracting Party, immediately in writing, by means of a message sent by SMS, electronic mail or postal mail and, whenever possible, in advance of its intention to suspend the access, as well as the basis for its decision.

7. Security

In order to access FaceToPay Services the Contracting Party will be required to create or be given security details, including a password. The Contracting Party is responsible for keeping the electronic device through which it accesses FaceToPay Services safe and maintaining adequate security and control of any and all security details that the Contracting Party uses to access FaceToPay Services.

The Contracting Party shall use its best efforts to prevent unauthorized use of our Services, its account, or of any Documentation. In case the Contracting Party becomes aware that any security details have been compromised or if the Contracting Party becomes aware of any fraud or attempted fraud or any other security incident (including a cyber-security attack) affecting he/she/it and/or FaceToPay (together a ‘Security Breach’), the Contracting Party must notify FaceToPay as soon as possible by email and continue to provide accurate and up to date information throughout the duration of the Security Breach.

The Contracting Party must take any steps that FaceToPay reasonably requires to reduce, manage or report any Security Breach. Failure to provide prompt notification of any Security Breach may be taken into account in FaceToPay’s determination of the appropriate resolution of the matter.

We shall not be held liable for and shall not remain liable to You for the actions and/or omissions which may result in a Security Breach by a Third Party Service Provider or the Exchanges interfaced with the Execution Interface. These actions or omissions shall include the treatment of any information or Personal data which belongs to You. The User warrants that he/she shall not hold the Company liable for any actions and/or omissions which result in a breach of any warranties made by a Third Party Service Provider to the Company by virtue of any contractual agreement between them. The Company shall not be held liable for any losses or any damages suffered by the User for any such Security Breach or any other form of operational or technical breaches which may fall under the responsibility of the Third Party Service Provider and/or an Exchange.

8. KYB & AML 

In order to use our services, the Merchant needs to pass a mandatory Know Your Business Process (hereinafter KYB). In order to comply with KYB and Anti-Money Laundering (hereinafter “AML”) requirements, the Company may require additional information and Personal data in order to verify the merchant’s identity, nature of business and assess business risk depending on the data provided.  

The Company may use external Third Party Service Providers to conduct KYB and AML checks in order to fulfill its legal obligations and process Personal Data. The User shall not hold the Company liable for any losses or damages which may arise for any data loss, misconduct or any other action or inaction which is carried out by the Thirty Party Services Provider(s).

Each Merchant must carry out the KYB Process at least once. The list of information, Business-related data and/or documents which are requested by the Company in order to fulfill the KYB Process may be amended depending on any new regulatory requirements applicable to the Company. The Company, at its sole discretion, reserves the right to request to Merchant’s for additional information, data or documents.

Merchants will also undergo a Suitability Process in order to ensure that their business profile is deemed suitable for the purposes of using the Services which are offered by the Company. The Company may also carry out a behavioral analysis of the Merchants interaction in order to analyze whether there is the possibility of money laundering activity and the funding of terrorism.

The Company may impose limitations on the Services offered to the User based on the Suitability Process which is undergone by the User. The Company shall not be held liable for any losses or damages resulting from the limitation of the Services which are offered to the User. On the basis of the Suitability Process, more information or documentation could be required depending on factors which determine the usage of the services, the amounts received or others. The Company reserves its right to reject your Merchant Account registration and/or to later close your User Account, if you do not provide Us with accurate, complete and satisfactory information, Business data or documents.

You must provide the Company with all documents and information and Business data promptly and accurately. You accept that delays from your side to provide documents and/or information may delay the approval of your Merchant Account registration.

Providing false, forged, modified or documents with the intent to deceive and conceal information will be considered fraud and treated as such.

9. Force Majeure

Neither Party shall have any liability under or be deemed to be in breach of these Terms for any delays or failures in performance of these Terms which result from any event beyond the reasonable control of that party.

The Party that becomes aware of a Force Majeure event which gives rise to, or which is likely to give rise to, any failure or delay in that party performing any obligation under these Terms, must:

          a) promptly notify the other Party;

          b) inform the other Party of the period for which it is estimated that such failure or delay will continue.

If such an event continues for a continuous period of more than [3] months, either party may terminate these Terms by written notice to the other Party.

10. Indemnity

The Contracting Party will indemnify, defend and hold harmless FaceToPay and its affiliates (and each of its and their respective employees, directors, agents and representatives) from and against any and all claims, costs, actions, suits, or demands and any related losses, damages, liabilities, judgments, tax assessments, penalties, interest, and expenses (including without limitation reasonable attorneys’ fees) arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises out of or relates to:

          a) any actual or alleged breach of the Contracting Party’s representations, warranties, or obligations set forth in these Terms, including without limitation any violation of FaceToPay’s policies or rules;

          b) any actual or alleged infringement, misappropriation or violation of any third-party rights or applicable law by the Contracting Party’s trademarks used in connection with the Services or the Contracting Party’s website or application using the Services;

          c) the Contracting Party’s, or the Contracting Party’s customers use of the Services.

11. Remuneration

The Contracting Party owes FaceToPay a Subscription Fee for use of the Services as contractualized.

The amount released to the Contracting Party will be subjected to due market rates.

The Contracting Party accepts that FaceToPay will deduct the Subscription Fee before ordering the release of the fiat money to the Contracting Party.

FaceToPay shall be entitled to review and therefore increase the Subscription Fee at any time but not more than once every 12 months.

12. Use of data

FaceToPay does not request any information that is unnecessary for the use of our Services or to comply with our obligations under applicable law.

You understand that by using our Services you consent to the collection, use and disclosure of your personally identifiable information and aggregate data as set forth in our Privacy Policy.

You acknowledge that we may process personal data in relation to you and personal data that you have provided or in the future provided to us in relation to your entity, employees or other associates, in connection with these terms or our Services.

Accordingly, you represent and warrant that:

          a) Your disclosure to us of any personal data relating to individuals other than yourself was or will be made in accordance with all applicable data protection and data privacy laws, and data is accurate, up to date and relevant when disclosed;

          b) You have read and understood our Privacy Policy which may be amended from time to time and forms part of these Terms.

In order to use the Services, you must register for an account. When you open an account, we may ask you for contact information such as name, phone number, email address. We may require information on your business and also obtain information from you to help verify your identity and assess risk. FaceToPay may engage third parties in order to assist in different aspects of the provision of our Services to you. We may need to review your eligibility to use the Services according to their own verification procedures.

13. Cookies and tracking technologies

As stated by our Privacy Policy, we use cookies and similar tracking technologies to track the activity on our Service and to customize our Services and content; measure promotional effectiveness and promote safety. They enable the website and other services to remember your actions and preferences over a period of time, so you won’t have to re-enter them every time you access any of the services. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyse our Service. Enabling these cookies is strictly necessary for the Website and other services to work, as it will provide you with a better browsing experience. You can delete or control these cookies; however, this will impair some of the features of our services.

We may use the following cookies:

  • Session Cookies. We use Session Cookies to operate our Service. We collect session data because it helps us administer our services, track correlative information and to collate statistics in relation to visitor traffic. We may use your IP address to help us diagnose problems with our server. Therefore, these cookies are necessary to enhance the performance and functionality of our Website.
  • Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
  • Security Cookies. We use Security Cookies for security purposes.
  • Third-party persistent cookies by Google Analytics – Google Analytics uses cookies to collect statistical information. These help us to measure how users interact with our services by collecting information on clicks, time spent on a page, the frequency a User visits it, what browser a visitor to the Website is using, and so on. Statistics and analytical data are very useful tools for us to provide a better and more engaging product for our users and to make our business predictions more accurate. The cookie set by Google Analytics which will identify you as a unique user on the Website can only be used by Google. For further information please visit the Terms of Service and the Privacy Policy​. You have the option to stop Google Analytics from recognizing you when return to our Website by disabling cookies on your browser.
  • We use Hotjar in order to better understand our users’ needs and to optimize this service and experience. Hotjar is a technology service that helps us better understand our users’ experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don’t like, etc.) and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users’ behaviour and their devices. This includes a device’s IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our website. Hotjar stores this information on our behalf in a pseudonymized user profile. Hotjar is contractually forbidden to sell any of the data collected on our behalf.
  • We use Segment to monitor the performance of our services and to enhance your experience; to understand user behaviour in order to provide you with a more relevant experience;  to personalize and measure the effectiveness of advertising; to make our services to work as intended.

14. Account Termination

Either party shall have the right to terminate these Terms at any time upon 60 (sixty) days written notice to the other party; provided, however, that such termination shall not impair or affect any accrued rights or due payments.

Without prejudice to any rights or remedies under these Terms and any applicable law, the Contracting Party may terminate these Terms by means of a written notice sent by any means, based on FaceToPay’s breach of any obligation set forth under these Terms, notably if FaceToPay fails to pay any amounts arising under these Terms due and payable to the Contracting Party within the set deadlines, or fails to settle the debt within 10 (ten) days as from the date of notice.

FaceToPay may terminate these Terms by means of written notice, if the Contracting Party has failed to perform or comply with its obligations set out in these Terms.

15. Limitation of Indemnity

To the extent not prohibited by law, FaceToPay shall not be held liable for any damages of any type, whether direct or indirect, arising out of or in any way related to your use or inability to use the Services, including but not limited to damages allegedly arising from the compromise or loss of your login credentials or funds, or loss of or inability to restore access to your account, or for mistakes, omissions, interruptions, delays, defects and/or errors in the transmission of transactions, or the failure of any message to send or be received by the intended recipient in the intended form, or for diminution of value of ether or any other digital token or crypto-active. FaceToPay shall not be held liable under any circumstances for any lost profits or any special, incidental, indirect, intangible, or consequential damages, whether based in contract, tort, negligence, strict liability, or otherwise, arising out of or in connection with authorized or unauthorized use of the Services, even if an authorized representative of FaceToPay has been advised of or knew or should have known of the possibility of such damages. FaceToPay shall not be held liable under any circumstances for damages arising out of or in any way related to software, products, services, and/or information offered or provided by third-parties and accessed through the Platform or the website.

16. No relationship with the Contracting Party’s customers

The Contracting Party expressly, irrevocably and unequivocally agrees that under no circumstances FaceToPay assumes any obligation towards to, or related with, the Merchant’s Customers, besides the obligations referred to in these Terms, with whom there is no contractual, or any other kind of, relationship. More specifically, but without limitation, the Contracting Party expressly, irrevocably and unequivocally accepts that FaceToPay has not the obligation, nor the right, to execute any onboarding processes regarding the Contracting Party’s customers since such onboarding processes are of the sole and unique responsibility of the Contracting Party itself.

17. Entire Agreement

The Parties agree that these Terms and any agreement referred to herein and entered into, constitute the entire agreement between the Parties and supersede all previous agreements, understandings and arrangements between them, whether in writing or oral in respect of its subject matter.

Each party acknowledges that it has not entered into these Terms and any agreement referred to herein, in reliance on and shall have no remedies in respect of any representation or warranty that is not expressly set out in these Terms or any agreement referred to herein. No party shall have any claim for innocent or negligent misrepresentation on the basis of any statement in these Terms.

18. Severability

Each provision of these Terms is severable and distinct from the others. If any provision in these Terms (or part thereof) is or becomes illegal, invalid or unenforceable under applicable law, but would be legal, valid and enforceable if the provision or some part of it was deleted or modified (or the duration of the relevant provision reduced):

          a)  the relevant provisions (or part thereof) will apply with such deletion or modification as may be required to make it legal, valid and enforceable; and

          b)  without limiting the foregoing, in such circumstances the parties will promptly and in good faith seek to negotiate a replacement provision consistent with the original intent of these Terms as soon as possible.

Should any part or provision of these Terms be held to be invalid by any competent court, the governmental or administrative authority having jurisdiction, the other provisions of these Terms shall nonetheless remain valid. The Parties shall endeavour to negotiate a substitute provision that best reflects the economic intentions of the Parties without being unenforceable and shall execute all agreements and documents required in this connection. The same shall apply if and to the extent that these Terms are found to contain any gaps or omissions.

19. Accuracy

The FaceToPay Site (including, without limitation, its 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 the Contracting Party with as complete and accurate information as possible, information may, to the extent permitted by applicable law, be changed or updated from time to time without notice, including without limitation information regarding FaceToPay’s policies, products and services.

The Contracting Party shall verify all information before relying on it, and all decisions based on information contained on the FaceToPay Site are the Contracting Party’s sole responsibility and FaceToPay shall have no liability for such decisions.

Links to third-party materials (including without limitation websites) may be provided as a convenience but are not controlled by FaceToPay.

The Contracting Party expressly acknowledges and agrees that the use of the FaceToPay Services is at the Contracting Party’s sole risk and that the entire risk as to the satisfactory quality, performance, accuracy and effort is with the Contracting Party. The Platform is provided on an “as is” and “as available” basis without any representation or warranty, whether express, implied or statutory. to the maximum extent permitted by applicable law, FaceToPay specifically disclaims any express or implied warranties of title, merchantability, fitness for a particular purpose and/or non-infringement. FaceToPay does not make any representations or warranties that access to the services or any of the materials contained therein will be continuous, uninterrupted, timely, or error-free.

Therefore, the Contracting Party acknowledges and agrees that FaceToPay is not responsible for any aspect of the information, content, or services contained in any third-party materials or on any third-party sites accessible or linked to the FaceToPay Site or Services.

20. Intellectual Property Rights

FaceToPay retains full industrial, intellectual, copyright or related property rights over the FaceToPay mark and all its components, including the software, images and sound of FaceToPay and any and all information, including documentation, procedures and its updates or developments or derivations, that is provided, disclosed or transmitted to the Contracting Party in connection with the access, execution and use of the Services.

Any use of FaceToPay Services made by the Contracting Party for purposes other than those authorized herein, in particular, copies, total or partial, shall cause the Contracting Party to be liable to FaceToPay, civil and/or criminal, as applicable, and the Contracting Party shall be obliged to indemnify FaceToPay for all damages caused.

All intellectual property rights in and to, the Services, or any part thereof, and any material and documents associated with them shall remain with FaceToPay. To the extent that the Contracting Party acquires any intellectual property rights in the Services or in any material or documents associated with it, the Contracting Party shall assign or procure the assignment of such intellectual property rights with full title guarantee (including by way of present assignment of future intellectual property rights) to FaceToPay. The Contracting Party shall execute all such documents and do such things as FaceToPay may consider necessary to give effect to this clause.

Except as expressly provided in these Terms, no part of the FaceToPay Services and/or the FaceToPay Site and no content may be copied, modified, adapted, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way to any other computer, server, website or another medium for publication or distribution or for any commercial enterprise, without FaceToPay’s express prior consent. This also means that users may not edit or create works from such materials or content or in any way exploit the material or content of the FaceToPay Site or the Services.

Information on the FaceToPay Services purposely made available by FaceToPay for downloading from the FaceToPay Site may be used, provided that:

          a) any proprietary notice language in all copies of such documents will not be removed;

          b) it is only for informational purposes and such information will not be copied or posted on any networked computer or broadcast in any media;

          c) no modifications will be made to any such information;

          d) no additional representations or warranties relating to such documents will be made.       

          e) The Contracting Party shall pay full compensation to FaceToPay for any violation of FaceToPay’s copyrights or other intellectual property rights.

21. Confidentiality

Each Party agrees that it may use the other Party’s Confidential Information only in the exercise of its rights and performance of its obligations under these Terms. Each Party acknowledges that it shall not disclose the other Party’s Confidential Information including all know-how, trade secrets, financial, commercial, technical, tactical or strategic information of any kind except in accordance with this clause.

Each Party may disclose the other Party’s Confidential Information to those of its employees, officers, advisers, agents or representatives who need to know the other Party’s confidential information in order to exercise the disclosing Party’s rights or perform its obligations under these Terms provided that the disclosing Party shall ensure that each of its employees, officers, advisers, agents or representatives to whom Confidential Information is disclosed is aware of its confidential nature and complies with this clause as if it were a Party.

Each Party may disclose any Confidential Information required by law, any court, any governmental, regulatory or supervisory authority or any other authority of competent jurisdiction.

Each Party shall indemnify the other from and against any losses, damages, liability, costs (including legal fees) and expenses which the other Party may incur or suffer as a result of or arising from any breach of the obligations under this clause.

22. Waiver

No failure, delay or omission by either party in exercising any right, power or remedy provided by law or under these Terms shall operate as a waiver of that right, power or remedy, nor shall it preclude or restrict any future exercise of that or any other right or remedy.

No single or partial exercise of any right, power or remedy provided by law or under this Agreement shall prevent any future exercise of it or the exercise of any other right, power or remedy.

23. Language

These Terms and any information or notifications, unless otherwise specified should be in English or Spanish.

In the event of any inconsistency, the English language version of these Terms or other documents shall prevail.

Any translation of these Terms or other documents is provided for your convenience only.

24. Communication

Except in specific cases requiring a particular form of communication, any written communication between parties shall be sent by one party to the other by electronic mail to the address stipulated on the regulatory documents and on FaceToPay’s website or by way of communication on FaceToPay Support.

FaceToPay is expressly authorized to register the messages and orders that we may receive from the users and/or his/her representatives, maintaining the correspondent support for the minimum necessary period of time for compliance purposes.

FaceToPay may not be held liable for damages resulting from the use of email or any other communication system.

If the Contracting Party, or the Contracting Party’s customers have any questions relating to these Policy, the User’s rights and obligations arising from these Terms and/or User’s use of the site and the services, or any other matter, please contact support

25. Governing Law

These Terms will be governed by and interpreted in accordance with the laws of Spain and Estonia without reference to conflict of law or choice of law provisions.

All disputes arising out of or in connection with this Agreement, including disputes on its conclusion, binding effect, amendment and termination, shall be resolved by the ordinary courts in Spain and Estonia.

26. Amendments or Updates

FaceToPay may update or change these Terms by publishing the amended Terms on the FaceToPay Site.

The updates or changes shall be effective at the time of publication. If you continue to use the Services after we provide notice of such changes, your continued use constitutes acceptance of the amended Terms and an agreement to be bound by them.