Terms of Service

These Terms of Service (“Terms”) form a binding agreement between you and LurraPay Inc., a Cayman Islands corporation (“LurraPay”, “we”, “our”), governing your use of lurrapay.com and the services we make available through it.

1. Acceptance

By creating an account, signing in, or using any LurraPay service, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy and Cookie Policy. If you do not agree, do not use the services.

2. The Service

LurraPay is a financial-services platform that resells regulated services from licensed partners. Through a single LurraPay account you can access:

• Multi-currency stablecoin banking (USD, EUR, GBP accounts).
• On-ramp and off-ramp services to and from supported fiat currencies.
• Cross-currency swap.
• KYC onboarding via our regulated processor.

These regulated services are operated by licensed partners. LurraPay itself does not hold customer funds, does not operate as a bank or electronic money institution, and is not directly licensed as a VASP. Partner-side terms supplement these Terms and apply to the corresponding regulated activity. References on the marketing site to a hardware wallet describe a forthcoming product; no wallet hardware is sold or shipped today.

3. Eligibility

• You must be at least 18 years old.
• You must not be a resident of, or located in, a jurisdiction subject to comprehensive sanctions or otherwise restricted by our partner banks.
• You must not be on any applicable sanctions, denied-persons, or watch list.
• You must complete partner KYC and any enhanced due diligence we or our partners require.

4. Your Account

• You are responsible for keeping your credentials and second factors confidential.
• You are responsible for all activity that occurs through your account.
• Notify us immediately at legal@lurrapay.com if you suspect unauthorised access.
• We may suspend or close accounts to comply with law, prevent fraud, or where partners require it.

5. Acceptable Use

You agree not to use LurraPay or any partner service to:

• Engage in money laundering, terrorist financing, sanctions evasion, or any other financial crime.
• Conduct transactions on behalf of an undisclosed third party.
• Provide false, inaccurate, or misleading KYC or other information.
• Attempt to circumvent jurisdictional restrictions or partner controls.
• Reverse-engineer, scrape, or interfere with the platform.
• Use the service for illegal goods or services in any applicable jurisdiction.

6. Fees

Plan pricing and partner-side fees are listed on our pricing page and disclosed before you complete a transaction. We may update pricing with reasonable notice; continued use after the effective date constitutes acceptance.

7. No Investment Advice; No Yield

LurraPay does not provide investment, tax, or legal advice. Stablecoin balances are not deposit accounts and are not insured by FDIC, FSCS, or any equivalent scheme except where the underlying partner bank explicitly provides such coverage and discloses it to you. No yield is offered, promised, or guaranteed. Any future yield product will be launched under separate, disclosed terms.

8. Risk Disclosure

Stablecoin and crypto-related services carry risks including, without limitation, issuer risk, redemption risk, smart-contract risk, network outages, and regulatory change. You acknowledge these risks before using the services.

9. Intellectual Property

The LurraPay name, logo, design system, and site content are owned by LurraPay or its licensors. You may not use them without prior written permission, except as necessary to use the services. You retain ownership of content you submit and grant us a limited licence to process it as needed to operate the platform.

10. Third-Party Services

Partner banks, ramps, and KYC providers operate under their own terms. Where you interact with a partner directly (for example through an embedded flow), the partner’s terms govern that interaction. We are not liable for actions, outages, or decisions made by partners or by regulators acting on them.

11. Disclaimers

Except as expressly stated, the services are provided “as is” and “as available” without warranties of any kind, including merchantability, fitness for a particular purpose, and non-infringement, to the maximum extent permitted by law.

12. Limitation of Liability

To the maximum extent permitted by law, LurraPay’s total aggregate liability for any claim arising out of or relating to the services shall not exceed the fees you paid to LurraPay in the twelve months preceding the event giving rise to the claim. We are not liable for indirect, consequential, special, exemplary, or punitive damages, lost profits, or lost data, whether in contract, tort, or otherwise.

13. Indemnification

You agree to indemnify and hold harmless LurraPay, its officers, employees, and partners from any claim arising out of (a) your breach of these Terms, (b) your misuse of the services, or (c) your violation of any law or third-party right.

14. Suspension and Termination

Either party may terminate the relationship at any time. We may suspend or close accounts immediately if required by law, by a partner, or to protect users or the platform. Provisions that by their nature should survive termination — including IP, disclaimers, liability limits, indemnities, and governing law — survive.

15. Governing Law

These Terms are governed by the laws of the Cayman Islands, without regard to its conflict-of-laws rules. Mandatory consumer-protection rights in your country of residence are not affected.

16. Dispute Resolution

The parties will first try to resolve disputes informally by contacting legal@lurrapay.com. Where permitted, unresolved disputes will be settled by binding arbitration seated in the Cayman Islands on an individual basis. The specific arbitration rules and provider will be set out in your account agreement before you place a transaction; we will give written notice of any change.

17. Changes to These Terms

We may update these Terms. Material changes will be announced on the site and, where appropriate, by email. Your continued use after the effective date constitutes acceptance.

18. Contact

Questions about these Terms: legal@lurrapay.com.