Terms of Service

These Terms of Service ("Terms") govern your access to and use of Sapniverse Pay's payment processing services, website, APIs, and software applications (collectively, the "Services") provided by Sapniverse LLC ("Company", "we", "us", or "our"). By accessing or using our Services, you agree to be bound by these Terms.

Please read these Terms carefully. If you do not agree to these Terms, you may not access or use the Services. If you are accessing or using the Services on behalf of a business or entity, you represent and warrant that you have the authority to bind that business or entity to these Terms, and "you" refers to both you and that business or entity.

These Terms incorporate our Privacy Policy, which explains how we collect, use, and protect your information.

To use our Services, you must:

• Be at least 18 years old
• Have the legal capacity to enter into a binding contract
• Not be prohibited from using the Services under applicable law
• Complete our verification process if required

If you are using the Services on behalf of a business, the business must be duly organized, validly existing, and in good standing under the laws of the country where it is registered.

To use certain features of our Services, you must register for an account. When you register, you must provide accurate and complete information. You are responsible for maintaining the security of your account credentials and for all activities that occur under your account.

You agree to immediately notify us of any unauthorized use of your account or any other breach of security. We are not liable for any losses or damages arising from your failure to maintain the security of your account.

We may suspend or terminate your account if we suspect that information you provided is inaccurate, misleading, or incomplete, or if you have violated these Terms or applicable laws.

Our Services enable businesses to accept payments from their customers. By using our payment processing Services, you agree to the following:

• You will comply with all laws and regulations applicable to your business, including those related to payment processing, data protection, and consumer protection
• You will accurately represent the products or services being sold
• You will not process payments for prohibited activities as defined in Section 7
• You authorize us to act as your agent for the limited purpose of processing payments
• You acknowledge that we may work with third-party payment processors to facilitate payment transactions

We reserve the right to delay, hold, or cancel any transaction if we suspect it may violate these Terms or applicable law.

You agree to pay all applicable fees for use of the Services as described on our website or as agreed upon in writing. Fees may vary based on transaction volume, payment method, and other factors.

We may change our fees upon 30 days' notice. Your continued use of our Services after such notice constitutes your acceptance of the new fees.

You authorize us to deduct our fees directly from the payments we process for you or charge your designated payment method. We may also deduct any applicable taxes, chargebacks, refunds, or other amounts you owe to us or your customers.

All fees are non-refundable unless otherwise specified or required by law.

When using our Services, you agree to:

• Comply with these Terms and all applicable laws and regulations
• Provide accurate and complete information when registering and using our Services
• Maintain the security of your account credentials
• Obtain all necessary rights, permissions, and consents to share information with us
• Implement reasonable security measures to protect your customers' data
• Promptly respond to customer inquiries and disputes
• Cooperate with our verification procedures and risk assessments
• Notify us immediately of any suspected fraudulent activity

You may not use our Services to process payments for:

• Items or activities that violate applicable laws or regulations
• Illegal drugs, controlled substances, or drug paraphernalia
• Counterfeit or unauthorized goods
• Adult content or services
• Weapons, ammunition, or firearms
• Pyramid schemes, multi-level marketing, or similar business models
• Gambling, betting, or lottery services not expressly authorized by law
• Transactions involving sanctioned countries, territories, or individuals
• Fraudulent or deceptive transactions
• Any other activities that we determine, in our sole discretion, to be high risk or potentially harmful

Additionally, you may not:

• Use our Services to violate any law, contract, intellectual property right, or other third-party right
• Attempt to reverse engineer, decompile, or disassemble any portion of our Services
• Attempt to gain unauthorized access to our Services or systems
• Interfere with or disrupt the operation of our Services
• Use our Services to transmit malware, viruses, or other harmful code
• Use our Services to send unsolicited communications

We reserve the right to suspend or terminate your access to our Services if we determine, in our sole discretion, that you have engaged in any prohibited activities.

Our Services, including all content, features, and functionality, are owned by Sapniverse LLC and are protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, and revocable license to use our Services solely for your business purposes in accordance with these Terms. You may not copy, modify, distribute, sell, or lease any part of our Services without our prior written consent.

Any feedback, suggestions, or ideas you provide regarding our Services may be used by us without any obligation to compensate you.

You retain all rights to your content, but you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, and display your content solely for the purpose of providing and improving our Services.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SAPNIVERSE LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF OR INABILITY TO USE THE SERVICES.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID US IN THE PAST 12 MONTHS.

THE LIMITATIONS OF LIABILITY IN THIS SECTION APPLY WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

You agree to indemnify, defend, and hold harmless Sapniverse LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising from or relating to:

• Your use of the Services
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your violation of any third-party right, including intellectual property rights or privacy rights
• Any content or information you submit, post, or transmit through the Services
• Any transaction processed through your account
• Any dispute between you and your customers

We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims.

These Terms will remain in effect until terminated by either you or us.

You may terminate these Terms at any time by closing your account and discontinuing use of our Services. We may terminate these Terms and your access to the Services at any time for any reason, including if:

• You violate these Terms or applicable law
• We are required to do so by law
• We decide to discontinue the Services
• We determine that providing the Services to you involves a high level of risk

Upon termination, you must immediately cease all use of our Services. All provisions of these Terms that by their nature should survive termination shall survive, including intellectual property provisions, disclaimers, indemnity, and limitations of liability.

We may withhold funds in your account for a reasonable time after termination to protect against the risk of chargebacks, refunds, disputes, fines, penalties, and other liabilities.

These Terms and any dispute arising out of or relating to these Terms or the Services shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

Any dispute arising out of or relating to these Terms or the Services shall be resolved as follows:

1. Informal Resolution: Before filing a claim, you agree to try to resolve the dispute informally by contacting us at legal@sapniverse.com. We will try to resolve the dispute by contacting you via email. If the dispute is not resolved within 60 days, you or we may initiate formal proceedings.
2. Binding Arbitration: If informal resolution is unsuccessful, any dispute shall be resolved through binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted in New York, New York, unless we mutually agree to a different location. The arbitrator's award shall be binding and may be entered as a judgment in any court of competent jurisdiction.
3. Class Action Waiver: You agree that any proceedings to resolve disputes will be conducted on an individual basis and not in a class, consolidated, or representative action. If this specific provision is found to be unenforceable, then the entire arbitration agreement shall be null and void.
4. Exceptions: Nothing in this section prevents either party from seeking injunctive or other equitable relief from the courts for matters related to intellectual property rights, unauthorized access, or breach of confidentiality obligations.

YOU UNDERSTAND THAT BY AGREEING TO THIS SECTION, YOU ARE WAIVING YOUR RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL.

We may modify these Terms at any time by posting the revised Terms on our website or by notifying you via email. Your continued use of the Services after the effective date of the revised Terms constitutes your acceptance of such Terms.

If you do not agree to the revised Terms, you must stop using the Services and close your account.

It is your responsibility to review these Terms periodically.

Entire Agreement: These Terms, including our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and Sapniverse LLC regarding the Services.

Severability: If any provision of these Terms is found to be unenforceable, that provision shall be enforced to the maximum extent possible, and the remaining provisions shall remain in full force and effect.

Waiver: Our failure to enforce any right or provision of these Terms shall not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by an authorized representative of Sapniverse LLC.

Assignment: You may not assign or transfer these Terms or your rights under these Terms without our prior written consent. We may assign or transfer these Terms without your consent.

No Agency: No agency, partnership, joint venture, or employment relationship is created as a result of these Terms, and neither party has any authority to bind the other in any respect.

Force Majeure: We shall not be liable for any failure or delay in the performance of our obligations under these Terms if such failure or delay is due to causes beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, civil unrest, government actions, labor strikes, or internet service provider failures.

If you have any questions, concerns, or feedback regarding these Terms, please contact us at:

Sapniverse LLC
447 Broadway, 2nd Floor Suite #2206
New York, New York 10013
United States

Email: support@sapniverse.com

Last Updated: April 29, 2025