— Terms and Conditions

Welcome to Paybin.io, a service operated by Flopays UAB, a company incorporated under the laws of the Republic of Lithuania, with registration number 306776864 and registered address at Žalgirio g. 88-101, 09303 Vilnius, Lithuania (“Company”, “we”, “our” or “us”).

By accessing or using the Paybin.io website (“Site”) and services (“Services”), you (“User”, “you”, or “your”) agree to be bound by these Terms and Conditions (“Terms”). If you do not agree with any part of these Terms, you must not use our Services.

1. Eligibility

To use our Services, you must:

  • Be at least 18 years old.

  • Have full legal capacity to enter into contracts.

  • Not be located in or a citizen of a sanctioned jurisdiction (as defined by OFAC, EU, or UN lists).

  • Not be previously suspended or removed from using our Services.

2. Services Provided

Paybin provides crypto-related payment processing services, including but not limited to:

  • Crypto invoicing tools

  • Merchant crypto payments

  • Payout management

We are not a financial institution, and we do not offer custody or fiat conversion services unless explicitly stated.

3. User Obligations

You agree to:

  • Provide accurate and up-to-date information during registration.

  • Not engage in any activity that is illegal, fraudulent, or harmful to the system.

  • Maintain the confidentiality of your account credentials.

We reserve the right to suspend or terminate your account if we detect any suspicious or unauthorised activity.

4. Prohibited Use

You may not use the Services for activities including but not limited to:

  • Money laundering or terrorist financing

  • Fraud or scams

  • Trade of illegal goods or services

  • Sanctions evasion

  • Ponzi schemes or high-yield investment programs

We reserve the right to report any such activity to competent authorities and cooperate in full.

5. Risk Disclosure

Cryptocurrency transactions are inherently risky. The value of crypto assets is volatile and may result in significant losses. You acknowledge that:

  • We do not guarantee the value, stability, or legality of any digital asset.

  • You are solely responsible for your use of the Services and the risks associated with digital assets.

6. Fees and Charges

We may charge fees for certain Services. All applicable fees will be disclosed on the Site or agreed upon in writing. You are responsible for reviewing and agreeing to the fee structure.

7. Limitation of Liability

To the fullest extent permitted by applicable law, we shall not be liable for any indirect, incidental, punitive, or consequential damages, including loss of profits, data, or use, arising out of or in connection with:

  • The use or inability to use the Services

  • Any unauthorised access to or use of our servers

  • Any bugs, viruses, or harmful code transmitted via the Site

8. Indemnification

You agree to indemnify and hold harmless Flopays UAB and its affiliates, officers, employees, and partners from any claims or damages arising out of:

  • Your use of the Services

  • Your breach of these Terms

  • Your violation of any applicable laws or regulations

9. Privacy

Your use of the Services is also governed by our Privacy Policy. Please review it carefully to understand how we collect, use, and share personal information.

10. Amendments

We may modify these Terms at any time. The updated Terms will be posted on our Site with a revised effective date. Continued use of the Services after such changes constitutes acceptance of the new Terms.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Republic of Lithuania. Any disputes arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the competent courts in Vilnius, Lithuania.

12. Contact

For questions regarding these Terms, please contact us at:
📧 support@paybin.io
📍 Flopays UAB, Žalgirio g. 88-101, 09303 Vilnius, Lithuania