1Who we are
NowPay is a service operated by [Company legal name], [Registered address] ("NowPay", "we", "us"). NowPay is a technology company, not a bank. Payment, currency exchange, stablecoin custody and card services are provided by licensed partners, and your balance is not a bank deposit.
These terms apply when you use the NowPay website, web app and mobile apps (the "Service"). By opening an account you agree to them. If you do not agree, please do not use the Service.
2Your account
You must be at least 18 years old and open the account for yourself. Only one account per person is allowed.
Before you can move money we verify your identity, and we may ask for documents at any time, for example proof of address or of where money comes from. Our compliance team reviews every account and every new way of adding money, and may decline or close an account in line with the law and our partners’ rules.
Keep your phone, email and sign-in codes safe. Tell us at once at contato@nowpay.com.br if you think someone else has access to your account.
3Adding money and paying
You can add money with the methods shown in the app for your country and verification level, such as Pix or stablecoins (USDT, USDC) sent to your personal deposit addresses. Only accounts and wallets in your own name may be used.
Before every payment or conversion the app shows the exchange rate, our fee and the exact amount you will pay. The rate is locked for a short time; if it expires, you will see a new one before confirming. Payments to merchants are final once the payout partner confirms them.
Fees depend on the currency pair and on your monthly spending tier. Current prices are always shown in the app before you confirm.
4Withdrawals
You can send unspent stablecoins to an external wallet (you pay the network fee) or withdraw to a bank account in your own name where available. Large or unusual withdrawals may be held for review. Transfers to the wrong address cannot be reversed, so check every address carefully.
5What you must not do
Do not use NowPay for anything illegal, for fraud, to receive money for third parties, to avoid sanctions, or in a way that harms other customers or our partners. Services may not be available in every country; we follow sanctions and the rules of our partners.
6Our responsibility
We work to keep the Service available and accurate, but it may sometimes be interrupted, for example during maintenance or when a partner is unavailable. To the extent the law allows, we are not responsible for indirect losses, or for losses caused by events outside our reasonable control.
Nothing in these terms limits rights you have under consumer protection law that cannot be waived.
7Closing your account
You can close your account at any time by writing to contato@nowpay.com.br, after withdrawing your balance. We may suspend or close accounts that break these terms or the law, and will tell you why unless the law prevents us.
8Changes and contact
We may update these terms. If a change matters to you, we will tell you in the app or by email before it takes effect. Questions: contato@nowpay.com.br. Identity and documents: compliance@nowpay.com.br.
These terms are governed by [Governing law and courts].