Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your access to and use of the PeoPay waitlist platform, website, and services (collectively, the "Services") provided by PEOCHAIN AG ("Company", "we", "our", or "us").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you should not access or use our Services.

2. About PeoPay

PeoPay is a product of PEOCHAIN AG that offers affordable cross-border payments powered by PEOCHAIN's blockchain technology. Our platform is currently in development, and we are offering a waitlist program for users interested in early access to our services upon launch.

By joining our waitlist, you will secure your position for early access to the PeoPay platform when it launches in Q3 2025. Higher positions on the waitlist may receive earlier access to our beta program.

3. Eligibility

To use our Services, you must be at least 18 years old and capable of forming a binding contract with us. You must provide accurate, complete, and up-to-date information during the registration process and keep your information updated.

The Services are currently available to individuals from select regions, including Kenya, Nigeria, and the Philippines. We may expand or modify the eligible regions at our discretion.

By using our Services, you represent and warrant that your use does not violate any applicable laws or regulations.

4. Waitlist Program

4.1 Registration

To join our waitlist, you must provide accurate personal information, including your name, email address, phone number, and country of residence. You are responsible for maintaining the confidentiality of your registration information.

4.2 Waitlist Position

Your position on the waitlist is determined by the time of your registration and any additional benefits earned through our referral program. We reserve the right to modify waitlist positions based on various factors, including but not limited to technical considerations, regional priorities, and business needs.

4.3 Referral Program

Our waitlist program includes a referral system that allows you to improve your position by referring others to join the waitlist. When you successfully refer someone (meaning they register using your referral link or code), you may receive benefits such as an improved waitlist position.

Referrals must be genuine. Any attempt to manipulate the referral system through fraudulent means, including creating fake accounts or misrepresenting the Services, is strictly prohibited and may result in the termination of your waitlist registration.

4.4 Beta Access

When PeoPay launches its beta program, we will begin granting access to users on our waitlist, generally in order of waitlist position. However, we reserve the right to prioritize certain users based on factors such as geographic location, user profile, technical considerations, or other criteria determined by us.

Being on the waitlist does not guarantee that you will receive access to the beta program or the full Services.

5. User Conduct

While using our Services, you agree not to:

• Violate any applicable laws, regulations, or third-party rights
• Use the Services for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to any portion of the Services or any systems or networks connected to the Services
• Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity
• Interfere with or disrupt the Services or servers or networks connected to the Services
• Collect or store personal data about other users without their express consent
• Engage in any activity that could disable, overburden, damage, or impair the Services
• Use any robot, spider, crawler, scraper, or other automated means to access the Services
• Bypass any measures we may use to prevent or restrict access to the Services

6. Intellectual Property Rights

The Services and all content, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

PeoPay and PEOCHAIN, along with their respective logos and all related names, logos, product and service names, designs, and slogans, are trademarks of PEOCHAIN AG or its affiliates. You may not use such marks without the prior written permission of PEOCHAIN AG.

These Terms do not grant you any right, title, or interest in the Services or any content, features, or functionality of the Services.

7. Privacy

Your privacy is important to us. Our Privacy Policy, available at Privacy Policy, describes how we collect, use, and disclose information about you.

By using our Services, you consent to our collection, use, and disclosure of information as described in our Privacy Policy.

8. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICES OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE CONTENT PROVIDED THROUGH THE SERVICES OR THE CONTENT OF ANY WEBSITES LINKED TO THE SERVICES.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SERVICES, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE SERVICES OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

10. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Services.

11. Changes to the Services and Terms

We reserve the right to withdraw or modify the Services, and any service or material we provide through the Services, in our sole discretion without notice. We will not be liable if, for any reason, all or any part of the Services are unavailable at any time or for any period.

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them. Your continued use of the Services following the posting of revised Terms means that you accept and agree to the changes.

12. Termination

We may terminate or suspend your access to all or part of the Services, without notice, for any conduct that we, in our sole discretion, believe is in violation of any applicable law or is harmful to the interests of another user, a third party, or us.

Upon termination, your right to use the Services will immediately cease.

13. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation shall be governed by and construed in accordance with the laws of Switzerland, without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Services shall be instituted exclusively in the courts of Zug, Switzerland, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country.

14. Waiver and Severability

No waiver by the Company of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

15. Entire Agreement

These Terms, our Privacy Policy, and any other agreements or policies referenced herein constitute the sole and entire agreement between you and PEOCHAIN AG regarding the Services and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Services.

16. Contact Information

If you have any questions about these Terms, please contact us at:

Email: legal@peopay.com

Postal Address:
PeoPay / PEOCHAIN AG
Bahnhofstrasse 21
6300 Zug
Switzerland