Terms of Use

1. Eligibility

You must be at least 18 years old to use Volt Pay.

You may use Volt Pay only if:

• You are legally capable of entering into these Terms.
• Volt Pay is available in your jurisdiction.
• You successfully complete any identity verification or compliance requirements applicable to the services you wish to use.
• Your use of Volt Pay is lawful under the laws applicable to you.

Volt Pay may determine or change supported countries, regions, services, assets, and eligibility requirements from time to time.

Availability in one country or region does not guarantee that every Volt Pay service will be available there.

2. Your Account

You must provide accurate, current, and complete information when registering and must keep your information updated.

You are responsible for:

• Protecting your login credentials and authentication methods.
• Maintaining control of devices used to access your account.
• Promptly notifying us if you suspect unauthorised access.
• All activity occurring through your account unless otherwise determined following investigation.

You may not sell, transfer, lease, or permit another person to use your Volt Pay account.

We may require additional authentication or verification before allowing sensitive actions.

3. Identity Verification and Compliance

Use of some or all Volt Pay services requires successful identity verification.

Identity verification may be performed through Reap KYCaaS, Sumsub, or other service providers.

We may require additional information or documentation at any time, including information relating to:

• Identity
• Residential address
• Source of funds
• Source of wealth
• Purpose or nature of transactions
• Other compliance matters

We may conduct ongoing anti-money laundering, sanctions, fraud-prevention, transaction-monitoring, and other compliance reviews.

If you fail to provide requested information, do not successfully complete verification, or create unacceptable legal, compliance, fraud, or security risk, we may refuse, restrict, suspend, or terminate access to some or all services.

4. Digital Asset Services

Volt Pay may allow users to deposit, hold, transfer, and withdraw digital assets supported by the app.

The assets and blockchain networks supported by Volt Pay may change at any time.

You must use only supported assets, addresses, and networks.

You are solely responsible for checking transaction information before submitting a blockchain transaction, including:

• Asset
• Blockchain network
• Destination address
• Amount
• Other transaction details

Blockchain transactions may be irreversible.

Volt Pay does not guarantee that digital assets mistakenly sent to an incorrect address, unsupported asset, or unsupported network can be recovered.

Where recovery is technically possible, Volt Pay is not obligated to perform a recovery and may impose reasonable conditions or fees for attempting one.

5. Digital Asset Risks

Digital assets involve significant risks.

These may include:

• Price volatility
• Loss of value
• Blockchain congestion or failure
• Forks or protocol changes
• Smart-contract vulnerabilities
• Cybersecurity incidents
• Liquidity risks
• Regulatory changes
• Suspension or discontinuation of an asset or network

Volt Pay does not guarantee the value, liquidity, availability, or future performance of any digital asset.

Volt Pay does not provide investment, financial, tax, or legal advice.

Nothing in Volt Pay constitutes a recommendation to acquire, hold, sell, or use any digital asset.

6. Card Services

Eligible users may apply for payment card services through Volt Pay.

Card functionality is provided using infrastructure and services supplied through Reap Technologies Limited and its applicable card-issuing and processing partners.

Card issuance and continued availability are subject to eligibility, identity verification, compliance approval, geographic availability, applicable card-network requirements, and any additional terms presented in connection with the card service.

We do not guarantee that an application for a card will be approved.

The card’s base currency is USD.

Volt Pay does not support ATM cash withdrawals.

7. Using Digital Assets as a Payment Source

Volt Pay may allow you to designate supported digital assets as the source of value for card payments.

The payment card itself does not hold digital assets.

Where necessary to process a payment, the relevant amount of supported digital assets or corresponding value may be calculated, converted, reserved, transferred, or otherwise processed through Volt Pay’s payment infrastructure.

The exact amount required may depend on exchange rates, conversion rates, transaction timing, fees, authorisation adjustments, or other applicable factors.

8. Transactions, Currency Conversion, and Authorisations

Transactions are subject to:

• Available balance
• Account and card status
• Transaction and spending limits
• Merchant acceptance
• Compliance and fraud controls
• Card-network and processor rules
• Technical availability

A transaction may be declined even where sufficient balance appears to be available.

Transactions made in a currency other than USD may be converted into USD using rates determined by the applicable card network, processor, service provider, or conversion mechanism.

Exchange rates may change between authorisation and final settlement.

Applicable foreign-exchange or other transaction fees may also apply.

9. Fees

Volt Pay may charge fees for certain services.

Applicable fees will be displayed in the app, a fee schedule, or another appropriate notice before or in connection with the relevant service.

Fees may include charges associated with card issuance, transactions, conversions, blockchain transfers, or other services.

We may change fees from time to time. Where required, notice of material fee changes will be provided before they take effect.

Third parties, blockchain networks, merchants, card networks, processors, or other providers may also impose charges outside Volt Pay’s control.

10. Limits

We may impose or change limits relating to:

• Deposits
• Withdrawals
• Wallet transfers
• Card transactions
• Individual transaction amounts
• Daily, monthly, or other cumulative usage

Applicable limits may be displayed in the app or communicated separately.

Limits may vary by user, country, account status, risk assessment, service-provider requirement, or regulatory requirement.

11. Refunds

Merchant refunds are subject to processing by the merchant and applicable payment, card-network, processor, and service-provider systems.

Volt Pay does not guarantee when a refund will be received or credited.

You should resolve expected refunds before deleting your Volt Pay account. Refunds initiated after account or card closure may be delayed, rejected, or otherwise unable to be processed.

12. Disputes and Unauthorised Transactions

If you believe a card transaction is unauthorised, incorrect, or otherwise disputable, you must notify Volt Pay promptly using the support method made available in the app.

We may request information and evidence needed to investigate the transaction and, where appropriate, escalate the matter to Reap or other relevant service providers.

You must comply with any applicable reporting deadlines communicated to you.

Disputes and chargebacks are subject to applicable card-network, issuer, processor, and service-provider rules.

Submission of a dispute does not guarantee reimbursement or a successful chargeback.

13. Prohibited Use

You must not use Volt Pay:

• For unlawful, fraudulent, deceptive, or abusive activity.
• To launder money, finance terrorism, evade sanctions, or conceal the proceeds of crime.
• In violation of sanctions or trade restrictions.
• To impersonate another person or provide false information.
• To compromise, interfere with, reverse engineer, attack, or misuse Volt Pay systems.
• To circumvent transaction, country, compliance, security, or account restrictions.
• For transactions prohibited by applicable law, card-network rules, Reap requirements, or other applicable service-provider requirements.
• In any manner that may expose Volt Pay, BlockNest, users, service providers, or partners to legal, regulatory, financial, fraud, security, or reputational risk.

We may refuse or restrict transactions that we reasonably believe violate these requirements.

14. Suspension and Restriction

We may decline transactions, restrict functions, freeze access, suspend cards, suspend accounts, or take other reasonable protective action where necessary because of:

• Suspected fraud or unauthorised use.
• AML, sanctions, or compliance concerns.
• Security incidents or suspected account compromise.
• Legal or regulatory requirements.
• Requests or requirements from Reap, applicable card networks, processors, issuers, courts, regulators, or authorities.
• Violations or suspected violations of these Terms.
• Unpaid amounts or unresolved obligations.
• Technical or operational risk.

Where permitted, we may take such action without prior notice.

We may request further information before restoring access.

15. Account Deletion and Termination

You may request deletion of your Volt Pay account through the account-deletion function in the app.

Before your account can be deleted:

• All remaining digital asset balances must be withdrawn.
• Your account balance must be zero.
• Pending transactions, expected refunds, disputes, chargebacks, and other unresolved obligations may need to be completed or resolved.

Account deletion is irreversible.

When deletion is completed:

• Active cards linked to the account will be cancelled.
• The account will be disabled.
• Active sessions and access credentials may be invalidated.
• You will no longer be able to log in.

Deletion of your account does not require us or our service providers to delete information that must or may lawfully be retained for KYC, AML, sanctions, fraud-prevention, transaction-record, tax, accounting, dispute, legal, regulatory, or similar purposes.

We may also terminate an account where permitted under these Terms or applicable law.

16. Service Availability

We aim to provide reliable access to Volt Pay but do not guarantee uninterrupted or error-free operation.

Services may be delayed, restricted, or unavailable because of:

• Maintenance
• System failures
• Internet or telecommunications failures
• Blockchain conditions
• Third-party outages
• Reap or card-processing systems
• Security events
• Force majeure
• Regulatory or legal requirements
• Events outside our reasonable control

We may modify, suspend, or discontinue features where reasonably necessary.

17. Third-Party Services

Volt Pay depends on third-party providers for functions including identity verification, wallet infrastructure, cloud services, communications, compliance, card issuance, processing, and payment networks.

Their systems, decisions, outages, eligibility requirements, and rules may affect your ability to use Volt Pay.

Where third-party terms apply to a service, you may be required to accept those terms separately.

18. No Investment Advice or Guaranteed Returns

Volt Pay is not an investment advisory service.

We do not promise or guarantee:

• Investment returns
• Asset appreciation
• Preservation of digital asset value
• Profit
• Continuous liquidity
• Continuous availability of any particular digital asset

You are responsible for making your own decisions concerning digital assets and for obtaining independent professional advice where appropriate.

19. Limitation of Liability

To the maximum extent permitted by applicable law, BlockNest will not be liable for indirect, incidental, special, consequential, exemplary, or punitive losses arising from or relating to Volt Pay.

To the maximum extent permitted by law, we are not responsible for losses caused by matters outside our reasonable control, including:

• Blockchain network failures or congestion
• Incorrect wallet addresses or unsupported networks selected by the user
• Market movements
• Merchant conduct
• Third-party provider outages or failures
• Card-network or processor decisions
• Unauthorised access caused by a user’s failure to secure credentials or devices
• Governmental, legal, or regulatory action

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

20. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold BlockNest harmless from losses, liabilities, claims, and reasonable costs arising from your unlawful use of Volt Pay, material violation of these Terms, fraud, or infringement of another person’s rights.

21. Changes to These Terms

We may update these Terms to reflect changes to our services, legal or regulatory requirements, security requirements, fees, service providers, or business operations.

Where a change is material, we may provide notice through the app or another appropriate method.

Your continued use of Volt Pay after revised Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.

If you do not agree to revised Terms, you should stop using Volt Pay and close your account after resolving any outstanding balances or obligations.

22. Governing Law and Disputes

These Terms are governed by the laws of Samoa, without regard to conflict-of-laws principles.

Subject to any rights you may have under mandatory applicable consumer law, disputes arising out of or relating to these Terms or Volt Pay will be subject to the jurisdiction of the courts of Samoa.

Nothing in this section limits rights that cannot lawfully be waived under laws applicable to you.

23. Severability

If any provision of these Terms is held to be invalid, unlawful, or unenforceable, the remaining provisions will continue in effect to the fullest extent permitted by law.

24. Entire Agreement

These Terms, the Privacy Policy, any applicable fee schedule, and any additional terms expressly presented for specific Volt Pay services constitute the agreement applicable to your use of those services.

Card services may also be subject to additional terms provided at the time of card application or issuance.

25. Contact

Website: https://voltpay.biz
Support: support@voltpay.biz