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Legal Documentation

Terms &
Conditions

The complete legal framework governing your use of Paysolo services. Please read carefully to understand your rights and obligations.

Document Status

Active & Current

Last UpdatedNovember 5, 2025
JurisdictionBulgaria
Version
Latest

Website Terms and Conditions

Introduction & Terms of Use

Introduction

These terms of use (“Terms and Conditions”), as well as any attached schedules (if any), constitute a legally binding agreement between you the ‘End Customer’ and Paysolo Ltd (also referred to as "Paysolo", "we", "our", "us"), a Limited Liability Company with its registered office in str. ul. TODOR ALEXANDROV No 41, Blagoevgrad, pc 2700, Bulgaria, entered into the Commercial register and register of non-profit legal entities (NPLE) under UIC number 207268330, tax information number: BG207268330, e-mail: contact@paysolo.io

Paysolo is registered as a provider of services related to virtual currencies in the Bulgarian National Revenue Agency – VASP register, under the serial number 5b5d6588d3ea3a5.

Terms of Use

2.1
The terms of use (together with the documents referred to in it) tell the end customer the rules for using our website https://paysolo.io/ (“our site”). Use of our site includes (but is not limited to) accessing, browsing, or registering to use our site (where applicable).
2.2
Please read these terms carefully before you start using our site. We recommend that you print a copy for your future reference.
2.3
By using our site, you confirm that you accept these terms and that you agree to comply with them. If you do not agree to these terms, you must not use our site.

Other Applicable Terms

These terms refer to the following additional terms, which also apply to your use of our site:

  • Our Privacy Policy, which sets out the terms on which we process any personal data collected from you, or that you provide to us. By using our site, you consent to such processing, and you warrant that all data provided by you is accurate.
  • Our Cookie Policy, which sets out information about the cookies on our site.

Service Providers

Our Strategic Partners

Paysolo collaborates with the following service providers to deliver its services:

BCB Group – Banking & Payments Partners Disclosure

Paysolo provides certain fiat and digital asset services in cooperation with regulated third-party partners within the BCB Group, depending on the nature of the service and the customer's activity.

Virtual IBANs & Fiat Payment Services

Virtual Named Accounts ("vIBANs") used to fund your Paysolo balance are provided through BCB Group payment entities, acting as regulated payment or electronic money institutions.

BCB Payments Limited, incorporated in England and Wales (Company No. 11313622), is authorised and regulated by the UK Financial Conduct Authority (FCA) as an Authorised Payment Institution under the Payment Services Regulations 2017 (Firm Reference Number 807377).

BCB Payments (Europe) SASU, incorporated in France, is authorised and regulated as a payment or electronic money institution in its jurisdiction.

Digital Asset & Crypto-Related Services

Crypto-asset services are facilitated through BCB Markets entities, depending on jurisdiction and regulatory scope:

BCB Markets (Europe) SASU, incorporated in France (Company No. 910 733 641), is registered as a Digital Asset Service Provider (DASP) with the Autorité des Marchés Financiers (AMF) under registration number E2024-112.

BCB Markets (Switzerland) Sàrl, incorporated in Switzerland (Business Identification No. CHE-415.135.958), is a member of VQF SRO, an officially recognised self-regulatory organisation under the Swiss Anti-Money Laundering Act.

These entities provide crypto-asset execution, conversion, and settlement services in accordance with applicable laws and regulatory requirements.

Compliance, Controls & Limitations

All transactions, including top-ups, conversions, swaps, and payouts, are subject to:

  • applicable KYC / AML / CTF checks,
  • partner availability and network conditions,
  • transaction limits and fees, and
  • regulatory and internal risk policies.

Paysolo and its partners reserve the right to suspend, delay, restrict, or refuse transactions where required by law, regulation, or risk management obligations.

Pricing & Fees

Fee Schedule for Individual & Business Accounts

The following fee schedule applies to Paysolo services. Fees may vary based on account type:

IIndividual
BBusiness
SEPA Deposit
€3.00
€3.00
SWIFT Deposit
€25
€25
Outgoing SEPA
€3.00
€3.00
EUR ⇄ Crypto
FX rate up to 1.25%
FX rate 1%

Definitions

Key Terms & Meanings

In these Terms and Conditions (T&Cs), capitalized terms and expressions have the meanings set out below, whether used in the singular or plural:

Paysolo Account or Account:
means a payment account opened with Paysolo in the name of the End Customer.
End Customer or Client:
means any legal or natural person, registered or resident in one of the Member States of the European Union (EU), or the European Economic Area (EEA), Asia and Pacific (APAC), African (AfCTA) countries, North America (NAFTA) and South America (LATAM) that holds or wished to hold a Paysolo Account. The End Customer may act for professional purposes or Freelancers and use a Paysolo account.
Security Code:
means the personalised code of the End Customer allowing them to access the Paysolo Interface through the Personal Strong Authentication Device.
Personal Strong Authentication Device:
means the technical device belonging to the End Customer in order to verify their identity or the validity of a Payment Order, and meeting the applicable legal and regulatory requirements. The use of the strong authentication device involves the use of Personalised Security Credentials.
Personal Data:
means any information relating to an identified natural person or person who is identifiable, directly or indirectly.
Personalised Security Credentials:
means the personalised data that authenticates the identity of the End Customer through the use of the Personal Strong Authentication Device.
Paysolo Interface:
means the Paysolo Account management module accessible from a website made available to the End Customer by Paysolo and the user. The Paysolo Interface allows the End Customer to consult their Paysolo Account and to prepare or carry out Payment Transactions. The Paysolo Interface can be accessed at the following address: https://app.paysolo.io
Business Days:
means any calendar day on which Paysolo maintains the business operations necessary for the execution of Payment Transactions. Paysolo maintains the business operations necessary for the execution of Payment Transactions on all working days excluding Saturday and Sunday.
Payment Transaction:
means the withdrawal of funds or the transfer of funds from an End Customer to the account of the payee, carried out in accordance with the conditions set out in these T&C.
Order:
means the instruction given by an End Customer to Paysolo, carried out under the conditions provided for in these T&C, in order to execute a Payment Transaction.
Account Statement:
means the document accessible to the end Customer on the Paysolo Interface and summarising the Payment Transactions recorded on the Paysolo Account during a given period, generally monthly.
Services:
means the payment services which are provided by Paysolo to End Customers, as well as the possible means and instruments allowing End Customers to benefit from these services.
Authorised User:
means any natural person authorised by Paysolo who accesses via the Paysolo Interface the secure space reserved for the End Customer using a Personal Strong Authentication Device.
Digital Asset:
means any digital representation of value or rights which may be transferred and stored electronically, using distributed ledger technology or similar technology.
Digital Asset Wallet:
means a software application or other mechanism/medium for holding, storing and transferring Digital Assets.
SWIFT Transfer:
Transfers that are denominated and performed in euros outside the SEPA Zone.
SEPA Zone:
European Union member states and the following countries: Iceland, Liechtenstein, Norway, Monaco, Switzerland, Saint-Martin.

Access & IP Rights

Usage Rules & Content Ownership

Changes to these Terms

6.1
We may amend these terms from time to time by amending this page.
6.2
Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.
6.3
These terms were most recently updated on 5 November 2025.

Changes to our site

7.1
We may update our site from time to time, and may change its content at any time, including (but not limited) to reflect changes to our products/services, our users’ needs and our business priorities.
7.2
However, please note that we are under no obligation to update any content on our site which may be out of date at any given time.

Accessing our site

8.1
We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend, withdraw, discontinue, or restrict the availability of all or any part of our site without notice but we will try to give you reasonable notice of suspension or withdrawal.
8.2
You are responsible for making all arrangements necessary for you to have access to our site.
8.3
You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms and other applicable terms and conditions, and that they comply with them.

Intellectual Property Rights

9.1
We are the owner or the licensee of all intellectual property rights in original work on our site, and in the material published on it. These works are protected by copyright laws and treaties around the world. All such rights are reserved.
9.2
You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organization to content posted on our site.
9.3
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
9.4
Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.
9.5
You must not use any part of the content on our site for commercial purposes without obtaining a license to do so from our licensors.
9.6
If you print off, copy, or download any part of our site in breach of these terms, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made without undue delay.
9.7
Subject to your compliance with these terms, we grant you a revocable, non-exclusive, non-sublicensable and non-transferable license to use our site within the scope and purposes of our site. You shall not access, use or disclose our original source code, technique, algorithms and procedures of or contained in or relating to our site.
9.8
You are not permitted to use any trade marks (registered or otherwise) belonging to us or any of our business partners (as defined in our Privacy Policy) without our approval.

No text or Data Mining, or Web Scraping

10.1

You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to our site or any services provided via, or in relation to, our site. This includes using (or permitting, authorising or attempting the use of):

  • any “robot”, “bot”, “spider”, “scraper” or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of the site or any data, content, information or services accessed via the same; or
  • any automated analytical technique aimed at analysing text and data in digital form to generate information which includes but is not limited to patterns, trends and correlations.
10.2
The provisions in this clause should be treated as an express reservation of our rights in this regard, including for the purposes of Article 4(3) of Digital Copyright Directive ((EU) 2019/790).
10.3
This clause shall not apply insofar as (but only to the extent that) we are unable to exclude or limit text or data mining or web scraping activity by contract under the laws which are applicable to us.

Liability & Disclaimers

Limitations & Responsibilities

No Reliance on Information

11.1
The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.
11.2
Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.
11.3
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources.

Limitation of Liability

12.1
Nothing in these terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by the laws of Bulgaria.
12.2
To the extent permitted by law, we exclude all conditions, warranties, representations, or other terms which may apply to our site or any content on it, whether express or implied.
12.3

We shall not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, our site; or
  • use of or reliance on any content displayed on our site.
12.4

If you are a business user, please note that in particular, we shall not be liable for indirect loss or damage including:

  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill, or reputation; or
  • any indirect or consequential loss or damage.
12.5
If you are a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
12.6
We shall not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.
12.7
We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites.
12.8
We shall not be liable for any loss or damage that may arise from your use of them.

Viruses

13.1
We do not guarantee that our site will be secure or free from bugs or viruses.
13.2
You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.
13.3

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Bulgarian ‘Criminal Code’ and ‘The Penal Code’. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity and information to them as required or as we deem necessary. In the event of such a breach, your right to use our site will cease immediately and we may:

  • take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach;
  • take further legal action against you, as appropriate; and/or
  • take any other actions which we deem appropriate.
13.4
We hereby exclude any and all liability arising out of any actions that we may take in response to your breach under this clause.

Linking to our Site

14.1
You may link to our website home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
14.2
You must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part where none exists.
14.3
You must not establish a link to our site on any website that is not owned by you.
14.4
Our site must not be framed on any other site, nor may you create a link to any part of our site other than the website home page.
14.5
We reserve the right to withdraw linking permission without notice.
14.6
The website in which you are linking must comply in all respects with these terms.
14.7
If you wish to link to or make any use of content on our site other than that set out above, please contact contact@paysolo.io

Our Rights & Obligations

We may transfer our rights and obligations under these terms to another organisation. We aim to inform you in writing if this happens.

Applicable Law

These terms, its subject matter, and its formation, are governed by the laws of Bulgaria and shall have exclusive jurisdiction.

Acceptance of Terms

By accessing or using any service related and owned by Paysolo, you agree to be bound to these Terms and Conditions. If you do not agree with any part of these terms, you may not use our services.

Terms of Service – Crypto Services

Purpose

15.1
These Crypto Terms govern your use of crypto-related features provided by Paysolo, including custody, receipt, transfer (send), and other features we may make available from time to time.
15.2
Access to certain features may be subject to additional terms, eligibility criteria, jurisdictional restrictions, and risk tolerances.
15.3
You agree that electronic acceptance (e.g., click-wrap, checkboxes, or continued use) constitutes your legally effective signature.

Definitions

Asset
means a supported cryptographic token (including crypto assets)
Crypto Asset
means a digital token or cryptocurrency that may be transferred and stored electronically using blockchain or distributed ledger technology.
Network
means a blockchain or distributed ledger (e.g., Polygon/MATIC) on which an Asset is issued or transferred.
Send
means your instruction to transfer Assets out of your custodial or hosted wallet to another address.
Custody
means safekeeping of your Assets.
Travel Rule Data
means originator/beneficiary identifiers and related compliance metadata required by applicable regulations.

Eligibility, Onboarding & user Representations

16.1
You represent that you are at least 18 years old (or the age of majority under applicable law), have full capacity to enter into these Crypto Terms, and will only use the services for lawful purposes.
16.2
You agree to complete all KYC/AML checks, provide accurate information, and promptly update changes (e.g., identity, residency, beneficial ownership).
16.3
You warrant that you are not a sanctioned person and are not located in, established in, or ordinarily resident in a restricted jurisdiction listed in our policies.

31. Description of Crypto Services

17.1

Paysolo may offer:

  • hosted or custodial wallets;
  • receipt and transfer of supported Assets;
  • compliance-filtered transfers; and
  • reporting and statements.
17.2
We may refuse, pause, or delay transactions for risk, legal, operational, or technical reasons.

32. Supported Assets & Networks (incl. Polygon ex. MATIC)

18.1
You may transact only in the Assets and on the Networks we explicitly support at the time of the transaction.
18.2
Deposit of funds:
  • EUR deposits via bank transfer from an account held in the End Customer’s own name
  • crypto deposits from an external crypto wallet owned by the End Customer
Cryptocurrency exchange services:
  • Conversion of Fiat Currency (EUR) to crypto
  • Conversion of crypto to Fiat Currency (EUR)
Transfers and withdrawals:
  • Withdrawal of EUR to a bank account held in the End Customer’s own name
  • Transfer of crypto to an external crypto wallet owned by the End Customer
Receiving and Transferring:
  • SEPA to SEPA individual-to-individual
  • SEPA to SEPA business-to-business
  • SWIFT to SEPA business-to-business
  • SWIFT to SEPA individual-to-individual
  • Receive and send crypto to Wallet
  • Convert Fiat Currency (EUR) to crypto
  • Convert crypto to Fiat Currency (EUR)
18.3
Critical: If you send on an unsupported network or to an incompatible address, the Assets may be permanently irrecoverable. Blockchain transactions are final; Paysolo does not control the blockchain and cannot reverse or recall transactions.

33. Market Risk, Volatility & Crypto-Specific Disclosures

19.1
Volatility: Assets may rapidly gain or lose value. You may lose the entire value of your holdings.
19.2
Stablecoin risk: Although intended to be stable, Stablecoins depend on their issuer’s reserves and risk management. Pegs can fail. Redemptions may be halted.
19.3
Paysolo does not guarantee any Asset’s price, peg, reserve sufficiency, or liquidity. If an issuer fails or suspends redemptions, Paysolo cannot restore value.
19.4
You acknowledge you are solely responsible for your investment decisions and that Paysolo provides no investment, legal, tax, or accounting advice.

34. Transaction Initiation, IP Address Logging, and Audit Trails

20.1
IP Logging for Send: To secure the service, combat fraud/abuse, and satisfy legal/AML obligations, when you initiate a Send transaction, Paysolo automatically collects and logs the IP address from which the instruction is submitted.
20.2
We also record technical and transactional metadata (e.g., device identifiers, timestamps, Asset, amount, destination address, selected Network, status, approvals, Travel Rule Data where applicable) to establish an audit trail.
20.3
Legal basis & purposes: Security (fraud prevention, abuse detection), compliance (KYC/AML/sanctions), and operational logging. See also our Privacy Notice.
20.4
Retention: We retain these logs for the period required by applicable law and our policies (for AML/record-keeping, this may be at least five (5) years from the business relationship end or longer where legally permitted/required).
20.5
Consent & rights: Where required, we obtain consent or rely on legitimate interests/legal obligations.

35. Custody Model, Segregation, Title & Insolvency Considerations

21.1
Where offered, Paysolo (directly or via a qualified sub-custodian) safeguards client Assets. Client Assets are segregated in our books and records from Paysolo’s own assets.
21.2
Title: Legal title to the Assets remains with you. You instruct us to hold, transfer, or deliver Assets, subject to law, sanctions, risk screening, and technical constraints.
21.3
Insolvency considerations: While we implement segregation and robust record-keeping, insolvency laws may affect recoveries. You acknowledge that treatment of crypto in insolvency is evolving and jurisdiction-specific.
21.4
Cold/Hot arrangements: We may balance security and liquidity via cold, warm, and hot wallets, with internal controls, multi-sig/HSM arrangements, and reconciliation protocols.

36. Wallets, keys, Address Management & Whitelisting

22.1
Hosted wallets may use addresses controlled by Paysolo or its sub-custodians. You will not receive private keys to hosted wallets.
22.2
You may be offered withdrawal address whitelisting, mandatory cool-off periods, and other controls.
22.3
Your responsibility: Verify destination addresses and Network selection (e.g., Polygon/MATIC when indicated). Incorrect address or Network can result in permanent loss.

37. Fees, Taxes & Exchange Rates

23.1
Fees (including Network fees) are disclosed at point of use. You authorize deduction of fees from the transacted amount or your balance.
23.2
You are solely responsible for all taxes. We may provide generic statements; you must obtain independent tax advice.

38. Limits, Controls, Holds & Investigations

24.1
We may apply per-transaction, daily, monthly, or rolling limits, dynamic risk-based thresholds, and velocity checks.
24.2
We may place holds, delays, or blocks on transactions to comply with law, address security alerts, confirm ownership/beneficiary details, or respond to RFIs.
24.3
We may decline any instruction where we reasonably believe proceeding would contravene law, sanctions, or our risk tolerances.

39. Fraud, Scams, Social Engineering & User Safeguards

25.1
Paysolo will never request your passwords, seed phrases, or 2FA codes, and will never ask you to “send crypto to verify your account.”
25.2
Transactions authorized by you—even if induced by fraud—are typically irreversible on-chain and cannot be recovered by Paysolo.
25.3
Enable 2FA, keep devices updated, and verify official channels before acting on instructions purporting to be from Paysolo.

Fraud Prevention and Customer Due Diligence

25.4
Paysolo reserves the right to suspend or terminate accounts that are suspected of fraudulent activity. All transactions are monitored for compliance and security purposes, and any suspicious transactions may be blocked.

As part of the Due Diligence program and prevention of money laundering and terrorist financing, Paysolo shall have the following rights:

25.5
The right to request additional information about the Client at the time of entering into the Agreement or during the execution of such Agreements.
25.6
The right to request additional information about the Client, their representatives, owners and ultimate beneficial owners and the Client's business activities, including data on the origin of the wealth of the Client and their beneficial owners, on their contractual partners, turnover, the share of cash and non-cash transactions, frequency of transactions, etc.
25.7
The right to periodically verify the information forming the basis for the identification of the Client and request the Client to submit additional documents.
25.8
The right to identify the Client, and/or the beneficial owner at any time chosen by Paysolo, especially if Paysolo has doubts about the accuracy of the information obtained during the initial identification.
25.9
The right to impose temporary or permanent restrictions on transactions.
25.10
The right to request documents and information about the activities of the Client including information about the purpose and nature of the transaction and the origin of the Client's assets.
25.11
The right to request the Client documents that form the basis of a transaction, including information or documents about the counterparty to the transaction, the beneficial owner, or other persons involved in the transaction.
25.12
The right to request the Client to provide any other information and to take any other action Paysolo deems necessary to implement its anti-money laundering and counter-terrorist financing measures.
25.13
Paysolo has the right to refuse to provide services to the Client and/or to execute transactions if the Client fails to comply with the requirements set out in this section.

40. Compliance: KYC/AML/Sanctions; Travel Rule; Information Requests

26.1
You agree to provide accurate information and supporting documents on request (RFIs).
26.2
We comply with applicable sanctions programs and may screen addresses, counterparties, and IPs (including geolocation signals).
26.3
Travel Rule: Where required, you consent to the collection, transmission, and receipt of originator/beneficiary information to facilitate compliant transfers. Transactions may be rejected where Travel Rule data is incomplete or mismatched.
26.4
Non-cooperation or false information may lead to account suspension or termination.

41. Network Events: Congestion, Upgrades, Forks, Airdrops & Bridges

27.1
Congestion/Fees: Network congestion can increase fees and delay confirmation. We are not liable for such delays.
27.2
Upgrades/Forks: We may suspend or restrict activity during Network upgrades or contentious forks and will decide, in our sole discretion, whether and how to support any resulting assets.
27.3
Airdrops/Rewards: We are not obliged to support airdrops, staking, or rewards unless explicitly stated.
27.4
Bridges/Cross-chain: If a transfer involves third-party bridges or wrapped assets, additional risks apply; we may decline unsupported routes.

42. Data Protection (incl. GDPR): Processing, Legal Bases & Retention

28.1
Paysolo processes personal data as a controller for compliance, security, and service delivery.
28.2
Data collected on Send: We log the origin IP address and related metadata upon Send initiation.
28.3
Legal bases: performance of contract, compliance with legal obligations (e.g., AML), and legitimate interests (security/fraud prevention).
28.4
Sharing: With service providers (under appropriate contracts), correspondent/partner institutions, and competent authorities where required or permitted by law.
28.5
International transfers: Where data is transferred internationally, we implement appropriate safeguards (e.g., SCCs where applicable).
28.6
Retention: As required by law and policies (e.g., AML records typically retained at least five (5) years, extendable where lawful).
28.7
Your rights (subject to law): access, rectification, erasure, restriction, portability, and objection.
28.8
See our Privacy Notice for comprehensive disclosures.

43. Security Standards, 2FA, Incident Response & User Obligations

29.1
We implement administrative, physical, and technical safeguards proportionate to the nature of the services.
29.2
Your obligations: Maintain the confidentiality of credentials, enable 2FA, and promptly notify us of suspected compromise.
29.3
In the event of a security incident affecting you or the service, we may restrict functionality while we investigate. We will notify you where legally required.

44. Service Availability, Maintenance, and Change Management

30.1
We strive for high availability but do not warrant uninterrupted service. Scheduled or emergency maintenance, third-party outages, or Network events may occur.
30.2
Features may evolve; we may modify, suspend, or discontinue features to maintain compliance and security.

45. Disclaimers, Warranties & Allocation of Risk

31.1
No advice: Information provided by Paysolo is educational and operational; it is not investment, legal, tax, or accounting advice.
31.2
“As-is” basis: Services are provided “as is” and “as available,” to the maximum extent permitted by law.
31.3
No guarantee of issuer performance: We do not guarantee crypto asset redemption, value stability, or issuer solvency.
31.4
Limitation of liability: To the maximum extent permitted by law, Paysolo shall not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, lost profits, or loss of data. Direct damages, if any, are limited to the lesser of the fees paid by you to Paysolo in the six (6) months preceding the event giving rise to the claim.
31.5
Nothing herein excludes liability that cannot be excluded under applicable law.

46. Prohibited Uses & Restricted Jurisdictions

32.1
You shall not use the services for illegal activity, sanctions evasion, fraud, terrorist financing, market manipulation, or to violate IP, privacy, or other rights.
32.2
We may restrict access for users or transactions associated with high-risk jurisdictions or specific high-risk use cases per our policies.

47. High-Risk Jurisdictions, Geofencing & VPN/Proxy Use

33.1
We may apply IP-based geofencing and other signals to manage access.
33.2
Use of VPNs/proxies may result in additional reviews, delays, or blocks. You remain responsible for lawful use irrespective of obfuscation tools.

48. Communications, e-Signatures & Electronic Records

34.1
You consent to receive communications electronically and agree that electronic signatures and records are legally binding to the fullest extent permitted by law.
34.2
Keep your contact details current. Delivery to your registered email or in-app inbox constitutes effective notice.

49. Term, Suspension, Termination & Post-Termination Handling

35.1
We may suspend or terminate access where required by law, risk policy, or for breach of these Crypto Terms.
35.2
Upon termination, we will (where lawful and operationally feasible) permit withdrawal of remaining Assets to a whitelisted address, subject to compliance checks and fees.

50. Complaints Handling & Dispute Resolution

36.1
All complaints and disputes between the Client and Paysolo shall be settled by negotiation. If Paysolo and the Client fail to reach an agreement with negotiations, the dispute shall be settled by the court of the place where Paysolo has its registered office.
36.2
Where applicable, you may escalate to an external ADR or competent authority pursuant to local law.
36.3
The Client agrees that this Agreement and the contractual relations arising from it shall be governed by the laws of the Republic of Bulgaria and that disputes shall be settled by the Bulgarian court, unless it conflicts with Imperative Norms.

51. Governing Law

37.1
These Crypto Terms are governed by the laws of Bulgaria, without regard to conflict-of-laws principles.
37.2
Courts of Bulgaria shall have exclusive jurisdiction, unless mandatory local consumer protections provide otherwise.