Disclaimer

1. Nature of Service

Pay86 is a USDT payment gateway and settlement service platform based on blockchain technology. We provide merchants with technical tools and infrastructure, but do not provide investment, wealth management, financial advice or legal advice.

Pay86 only acts as a technical service provider, does not participate in actual transactions between users, and is not responsible for users' trading behavior.

2. Cryptocurrency Risk Warnings

2.1 Market Risk

Cryptocurrency (including USDT) market prices are highly volatile and may rise or fall significantly in a short period of time. You should fully understand and bear the risks arising therefrom.

2.2 Regulatory Risk

Regulatory policies on cryptocurrencies vary across countries and are constantly changing. You are responsible for understanding and complying with laws and regulations regarding cryptocurrencies in your country/region. You shall bear the consequences of violating relevant laws and regulations.

2.3 Technical Risk

Blockchain technology is still developing and may have unknown technical defects or security vulnerabilities. Pay86 is not responsible for technical issues with the blockchain network itself.

3. Service Availability

3.1 Service Interruption

Pay86 services may be temporarily interrupted or unavailable due to the following reasons:

• System maintenance, upgrades or failures
• Blockchain network congestion, forks or other anomalies
• Network communication failures
• Hacker attacks, computer viruses or other malicious acts
• Force majeure events (natural disasters, wars, government actions, etc.)

Pay86 is not liable for compensation for service interruptions or delays caused by the above reasons.

3.2 Third-Party Services

Pay86 may integrate or rely on third-party services (such as blockchain networks, cloud service providers, KYC service providers, etc.). We do not guarantee the quality, reliability or security of third-party services, nor are we responsible for problems caused by third-party services.

4. User Responsibilities

4.1 Account Security

You are responsible for properly safeguarding sensitive information such as account passwords, API keys, and private keys. Pay86 is not responsible for any losses caused by your improper safekeeping, disclosure or theft.

4.2 Transaction Authenticity

You should ensure that transactions conducted using Pay86 services are authentic and lawful. You are fully responsible for your trading behavior and consequences.

4.3 Compliance Obligations

You are responsible for ensuring that your business activities comply with the laws and regulations of your country/region, including but not limited to:

• Anti-money laundering (AML) and counter-terrorist financing (CTF) laws
• Tax declaration and payment obligations
• Payment service license requirements
• Data protection and privacy laws

5. Information Accuracy

5.1 Website Content

Information on Pay86 website is for reference only and may contain technical or typographical errors. We will make efforts to ensure information accuracy, but do not make any express or implied warranties regarding the completeness, accuracy, timeliness or applicability of information.

5.2 External Links

Pay86 website may contain links to third-party websites. These links are provided for user convenience only and do not represent our endorsement or recommendation of these websites. We are not responsible for the content or privacy policies of third-party websites.

6. Fund Security

6.1 Custodial Mode

In custodial mode, although Pay86 takes multiple security measures to protect user funds, we cannot guarantee absolute fund security. In the event of hacker attacks, system vulnerabilities or other security incidents, fund losses may occur.

6.2 Non-Custodial Mode

In non-custodial mode, funds are managed by users themselves. Pay86 does not control users' private keys or funds, therefore is not responsible for the security of user funds.

6.3 Private Key Loss

If you lose your private key or mnemonic phrase, you may not be able to access your funds. Pay86 cannot help you recover lost private keys or funds.

7. Transaction Irreversibility

Once blockchain transactions are confirmed, they usually cannot be cancelled or reversed. If you suffer fund losses due to operational errors (such as sending to wrong address, entering wrong amount, etc.), Pay86 cannot help you recover funds.

Please carefully verify all information before initiating transactions.

8. Tax Liability

You are responsible for understanding and fulfilling tax obligations related to cryptocurrency transactions. Pay86 does not provide tax advice and is not responsible for your tax compliance.

It is recommended that you consult professional tax advisors to ensure correct declaration and payment of taxes.

9. Limitation of Liability

9.1 Direct Losses

To the maximum extent permitted by law, Pay86 is not liable for any direct, indirect, incidental, special, punitive or consequential losses arising from use or inability to use the Service, including but not limited to:

• Fund loss or theft
• Data loss or disclosure
• Business interruption or profit loss
• Goodwill damage
• Other intangible losses

9.2 Compensation Cap

Even if Pay86 is found to be negligent, our liability for compensation shall not exceed the total amount of service fees you paid to Pay86 in the past three months.

10. No Warranty Clause

Pay86 provides services on an "as is" and "as available" basis, without making any express or implied warranties, including but not limited to:

• Services will be uninterrupted, timely, secure or error-free
• Accuracy or reliability of service results
• Quality of any information or materials obtained through the Service
• Defects or errors in the Service will be corrected

11. Investment Advice Disclaimer

Any content on Pay86 website or services does not constitute investment, financial, legal or tax advice. We do not recommend buying, holding or selling any cryptocurrency.

Cryptocurrency investment involves high risks. You should make independent decisions based on your financial situation and risk tolerance, and consult professional advisors when necessary.

12. Age Restrictions

Pay86 services are only for users who are 18 years of age or older (or the legal age of majority in your country/region). Minors are not allowed to use the Service. If you are under legal age, please stop using immediately.

13. Dispute Resolution

Any disputes arising from the use of Pay86 services shall first be resolved through friendly negotiation. If negotiation fails, it shall be submitted to a court with jurisdiction over Pay86's place of registration for resolution.

14. Changes to Disclaimer

Pay86 reserves the right to modify this Disclaimer at any time. The revised statement will be published on the website. Continued use of the Service indicates your acceptance of the revised statement.

15. Applicable Law

This Disclaimer is governed by and shall be construed in accordance with Singapore law.

16. Contact Us

If you have any questions about this Disclaimer, please contact us via:

• Telegram: @Pay86net