Terms of Service

Last updated: August 2026

1. Scope of Services

PayBridge Inc. provides cross-border payment technology, multi-currency balance holding capabilities, real-time foreign exchange conversion, and international payment processing. Services are delivered in connection with regulated financial partners, licensed banking institutions, and payment processing networks.

2. Eligibility and Acceptable Use

• You must be at least 18 years old (or the legal age of majority in your jurisdiction) to establish an account and access financial services.
• You agree to provide accurate, current, and complete information during registration and identity verification.
• You agree not to use PayBridge for any unlawful activities, including money laundering, terrorist financing, fraud, or violations of international trade sanctions.
• You must not attempt to breach system security, compromise infrastructure integrity, or gain unauthorized access to other user accounts.

3. Customer Verification & Regulatory Compliance

To fulfill regulatory obligations under Applicable Anti-Money Laundering (AML) and Know Your Customer (KYC) laws, PayBridge requires users to submit valid identification documents, proof of address, and supplementary verification information. By submitting this data, you authorize PayBridge and its verified verification vendors to perform necessary background, identity, and sanction list checks. Details on data protection can be found in our Privacy Policy and Security Center.

4. Financial Transactions & Safeguarding

All client funds are held in segregated safeguard accounts with top-tier regulated partner banks, strictly isolated from PayBridge operational funds. Transfer timelines, exchange rates, and transaction fees are presented prior to transaction confirmation and detailed in our Fee Schedule.

5. Service Availability & Warranties

While PayBridge aims for 99.9% uptime and reliable payment processing, the platform is provided on an "as available" basis without express or implied guarantees against temporary service interruptions caused by third-party payment rail outages, banking partner maintenance, or force majeure events.

6. Limitation of Liability

To the maximum extent permitted by applicable law, PayBridge Inc. shall not be liable for indirect, incidental, or consequential damages, or losses resulting from unauthorized account access due to user negligence in protecting security credentials.

7. Privacy & Data Handling

Your privacy is vital to us. For details regarding how personal data and transaction information are processed and protected, review our Privacy Policy.

8. Amendments to Terms

PayBridge reserves the right to update these terms to reflect legal, regulatory, or operational updates. Notice of material changes will be provided via email or dashboard notification prior to taking effect.

9. Contact & Support

For questions regarding these Terms of Service or regulatory inquiries, contact our legal and compliance team at legal@allpaybridge.com.