1. Acceptance of Terms

By using the EC Pay platform, you agree to:

• Comply with all applicable laws and regulations.
• Provide accurate and truthful information when using our services.
• Abide by the terms outlined in this agreement.

2. Use of Services

• Our services are intended for lawful purposes only.
• Users must not use the platform for fraudulent, illegal, or unauthorized activities.
• Any misuse of the platform may result in termination of access to our services.

3. Account Responsibility

• You are responsible for maintaining the confidentiality of your account credentials.
• You agree to notify us immediately of any unauthorized access or breach of your account.
• EC Pay is not liable for any loss or damage arising from unauthorized use of your account.

4. Payments and Fees

• All payments processed through EC Pay are subject to applicable fees, which are transparently disclosed.
• Exchange rates for currency conversions are based on current market conditions and may fluctuate.
• Payments are final and non-refundable unless otherwise stated in our Refund Policy.

5. Limitation of Liability

• EC Pay is not liable for any indirect, incidental, or consequential damages resulting from the use or inability to use our services.
• We are not responsible for delays or failures caused by circumstances beyond our control, including but not limited to technical issues, system failures, or natural disasters.

6. Privacy

Your use of our services is subject to our Privacy Policy, which outlines how we collect, use, and protect your information.

7. Intellectual Property

• All content, trademarks, logos, and intellectual property displayed on the website are owned by EC Pay and are protected by law.
• Users are prohibited from copying, distributing, or reproducing any content without prior written consent from EC Pay.

8. Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, if you violate these Terms & Conditions or engage in prohibited activities.

9. Changes to Terms

EC Pay reserves the right to modify these Terms & Conditions at any time. Changes will be effective upon posting, and continued use of the platform constitutes acceptance of the revised terms.

10. Governing Law

These Terms & Conditions are governed by the laws of USA, and any disputes shall be resolved in the jurisdiction of USA courts.

11. Contact Us

For questions or concerns about these Terms & Conditions, please contact us:
Email: info@ecpayhk.org
Phone: +1 605-718-8484
              +1 605-718-8688
Address: 512 Main St Suite 240 – Floor 2, Rapid City, SD 57701, United States

By using EC Pay, you acknowledge that you have read, understood, and agreed to these Terms & Conditions. Thank you for choosing us as your trusted payment solution.