Terms of Use

Terms and Conditions — WayToPay

Effective as of: August 6, 2025

1. Introduction and Key Definitions

Client— A natural or legal person who uses the Platform to buy, sell, store, or transfer cryptocurrency.

Cryptocurrency— A digital asset recognized as a virtual asset under Regulation (EU) 2023/1114 (MiCA).

Wallet— A digital cryptocurrency storage system identified by a unique address.

Client Payment Account— A bank account registered in the Client's name.

Platform— A software solution that provides access to WayToPay services through the website www.waytopay.io.

Client Dashboard— The Client's user account for managing assets, orders, and documents.

Provider (WayToPay)— The Platform operator, registered and licensed in accordance with MiCA.

PEP— A politically exposed person under EU legislation.

2. Transaction Terms, Payment, and Delivery

2.1. Use of the Platform is governed by these Terms. By checking the "I accept the terms" box during registration, the Client confirms their agreement.

2.2. The exchange process includes: selecting an asset, sending funds or cryptocurrency, order processing by the Provider, execution (including P2P or immediate execution) and Client notification.

2.3. The Provider may suspend execution if KYC/AML procedures are required or in case of verification refusal.

2.4. All transactions must be made only from the Client's own payment account and wallet. Supporting documentation may be requested.

2.5. If the exchange rate changes before execution, the Client will be notified and can:

• Accept the new rate;
• Cancel the order;
• Leave the order pending until market changes.

3. Client Funds Management and Storage

3.1. Client funds are stored in segregated accounts, separate from the Provider's operating assets.

3.2. Cryptocurrency is stored in secure cold wallets with multi-factor protection and backups.

3.3. The Provider may convert fiat funds to euros (EUR) for liquidity purposes; the equivalent remains credited to the Client's account.

3.4. Client funds may not be used by the Provider for operational or investment purposes.

4. Limitation of Liability

4.1. The Provider is not liable for losses arising from:

• Exchange rate volatility;
• Technical failures beyond its control;
• Errors made by the Client;
• Actions of third parties (banks, blockchains);
• Use of unsupported networks.

4.2. Claims related to transactions must be submitted within 15 calendar days from execution.

4.3. Transactions sent after the deadline or to the wrong address may be returned at the Provider's discretion with a commission of up to 1%, but not less than €20.

5. AML/KYC Compliance

5.1. The Platform complies with MiCA, AMLD5, FATF requirements and is obliged to conduct mandatory client identification.

5.2. The Provider may reject transactions in case of suspected AML/CTF violations.

5.3. The Client must inform the Platform of any changes in PEP status or associated risks.

6. Personal Data Processing

6.1. All personal data is processed in accordance with Regulation (EU) 2016/679 (GDPR).

6.2. The privacy policy is available at: waytopay.io/privacy-policy

6.3. The Client agrees to data exchange with verification partners and financial partners (e.g., SumSub, Crystal AML, banks) where necessary for service provision or legal compliance.

7. Risk Disclosure

7.1. Information on the Platform does not constitute investment advice.

7.2. Cryptocurrencies are highly volatile and may lose their entire value.

7.3. The Platform may be temporarily unavailable due to technical issues. The Provider is not liable for such interruptions.

7.4. The Provider may terminate services with prior notice and must allow asset withdrawal within 10 business days.

8. Amendments

8.1. The Provider reserves the right to amend these Terms. The updated version becomes effective upon publication on the website.

8.2. Continued use of the Platform means acceptance of the updated Terms by the Client.

9. Governing Law and Jurisdiction

9.1. Applicable law: European Union legislation.

9.2. Disputes are subject to the competent courts in the EU where the Provider is registered.

9.3. Clients residing outside the EU may use the Platform only in compliance with their local laws.

10. Final Provisions

10.1. These Terms become effective upon publication and supersede all previous versions.

10.2. By checking the "I accept the terms" box or submitting an order, the Client fully agrees to these Terms.