Terms of Service

1. Agreement to Terms

By accessing or using PAYchat ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of the terms, you may not access the Service.

2. Description of Service

PAYchat is a USDT (Tether) payment service accessible through Telegram Mini App. The Service allows users to:

• Deposit and withdraw USDT via TRON blockchain
• Create payment links to receive USDT
• Send USDT payments to other users
• View transaction history and balance

3. Eligibility

To use our Service, you must:

• Be at least 18 years of age
• Have a valid Telegram account
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using the Service under applicable laws
• Comply with all applicable laws and regulations in your jurisdiction

4. Account Security

You are responsible for:

• Maintaining the confidentiality of your PIN code
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Ensuring your Telegram account is secure

5. Fees and Charges

• Transaction fees may apply to payments and withdrawals
• Fee rates are displayed before confirming any transaction
• Blockchain network fees are charged separately by the TRON network
• We reserve the right to modify fee structures with advance notice

6. Transaction Finality

All cryptocurrency transactions are:

• Final and irreversible once confirmed on the blockchain
• Your responsibility to verify recipient addresses and amounts
• Subject to blockchain confirmation times

We cannot reverse, cancel, or refund completed blockchain transactions.

7. Prohibited Activities

You agree not to use the Service for:

• Money laundering or terrorist financing
• Fraud, scams, or deceptive practices
• Purchasing illegal goods or services
• Circumventing any sanctions or export controls
• Any activity that violates applicable laws
• Interfering with or disrupting the Service
• Attempting to gain unauthorized access to our systems

8. Service Availability

We strive to maintain high availability, but:

• The Service is provided "as is" without warranties
• We may suspend or terminate the Service for maintenance
• We are not liable for any downtime or service interruptions
• Blockchain network issues are beyond our control

9. Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for any indirect, incidental, or consequential damages
• We are not responsible for losses due to user error (wrong address, etc.)
• We are not liable for cryptocurrency market volatility
• Our total liability shall not exceed the fees paid to us in the past 12 months

10. Indemnification

You agree to indemnify and hold harmless PAYchat from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

11. Intellectual Property

All content, trademarks, and intellectual property associated with PAYchat remain our exclusive property. You may not copy, modify, or distribute our materials without permission.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the new Terms. Material changes will be notified through Telegram or the Service.

13. Termination

We may terminate or suspend your access to the Service:

• For violation of these Terms
• For suspected fraudulent or illegal activity
• At our sole discretion with reasonable notice

Upon termination, you may withdraw any remaining balance subject to verification.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Republic of Korea, without regard to its conflict of law provisions.

14.1 Dispute Resolution

Any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall be resolved as follows:

• Informal Resolution: Before filing any formal dispute, you agree to contact us at legal@paychat.info and attempt to resolve the dispute informally within 30 days.
• Arbitration: If informal resolution fails, disputes shall be resolved by binding arbitration administered by the Korean Commercial Arbitration Board (KCAB) in accordance with its rules.
• Location: Arbitration shall take place in Seoul, Republic of Korea, and may be conducted remotely if agreed by both parties.
• Language: Arbitration proceedings shall be conducted in English or Korean, as mutually agreed.

14.2 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in class actions against PAYchat.

14.3 Exceptions

Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

15. Additional Terms for European Users

If you are a consumer in the EEA, you may have additional rights under EU consumer protection laws that cannot be waived by contract. Nothing in these Terms affects your statutory rights as a consumer. For dispute resolution, you may also use the European Commission's Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr.

16. Additional Terms for California Residents

Under California Civil Code Section 1789.3, California users are entitled to the following consumer rights notice: The Service is provided by PAYchat. If you have a question or complaint regarding the Service, please contact us at support@paychat.info. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

17. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and PAYchat regarding your use of the Service and supersede all prior agreements and understandings.