Terms of Use.

1. Definitions

"Risksless", "we", "us", "our", "Service", "the site" — refer to Risksless.com and its software services.

"Merchant", "user", "you" — the individual or entity using the Service to integrate card or crypto payment acceptance into their website or application.

"Personally Identifying Information" (PII) — includes but is not limited to: name, email address, phone number, physical address, government ID.

"Third-party provider" — any licensed payment processor, acquiring bank, cryptocurrency custodian, or blockchain service that Risksless software integrates with on behalf of the merchant.

"Terms" — these Terms of Use, sometimes referred to as "Terms and Conditions" or "TOC".

2. Introduction & acceptance

These Terms apply fully to your use of Risksless.com and the software it distributes. By accessing or using the Service, you agree to be bound by these Terms. If you do not agree with any portion, you must not use the Service.

These Terms apply to all visitors, users, and any other party who accesses the Service. Inability to read or understand these Terms — including due to language barriers — does not exempt you from being bound by them.

Unauthorised use of the Service may give rise to a claim for damages and/or constitute a criminal offence under applicable law.

3. Nature of the Service

Risksless operates as a software provider and technical integration facilitator only. Specifically:

• Risksless does not process payments.
• Risksless does not hold, custody, or transmit funds of any kind.
• Risksless does not store or manage digital assets.
• Risksless does not provide banking, money transmission, exchange, custodial, or brokerage services.
• Risksless does not issue merchant accounts.

All payment processing is conducted by licensed third-party payment providers selected automatically by the routing software. All cryptocurrency payouts are delivered on-chain by licensed cryptocurrency and blockchain infrastructure providers. Risksless is a software integration layer between these providers and the merchant's website.

4. Merchant responsibilities

By using the Service, you represent that:

• You have the legal authority to sell the goods or services offered on your website.
• Your business activity is not prohibited under the laws of your jurisdiction or the jurisdictions where your customers reside.
• The wallet address you provide is under your exclusive control and authority.
• You will not use the Service to facilitate fraud, money laundering, terrorist financing, sanctions evasion, child exploitation material, or any content or activity that is illegal in major jurisdictions.
• You are solely responsible for any tax obligations, reporting, or regulatory compliance in your jurisdiction arising from payments received through the Service.

5. Prohibited use

The following activities are strictly prohibited and will result in immediate termination of access:

• Child sexual abuse material or any content sexualizing minors.
• Sale of weapons, firearms, explosives, or ammunition in jurisdictions where such sale is illegal.
• Human trafficking, forced labour, or non-consensual content.
• Products or services on OFAC, UN, EU, or UK sanctions lists.
• Any activity that would cause the underlying licensed providers to be in breach of their regulatory obligations.

6. Limitation of liability

In no event shall Risksless, nor any of its officers, directors, employees, or affiliates, be held liable for any indirect, incidental, consequential, special, or punitive damages arising out of or in any way connected with your use of the Service. This includes but is not limited to loss of profits, loss of data, business interruption, or reputational harm, whether such claim is based on contract, tort, negligence, strict liability, or otherwise.

Your use of any information, software, or materials provided through the Service is entirely at your own risk. It is your sole responsibility to ensure that any products, services, or information available through the Service meet your specific requirements.

7. Third-party providers

The Service integrates with independent third-party payment and cryptocurrency providers. Each provider has its own terms of service, fees, minimum transaction amounts, refund policies, and restricted jurisdictions. Risksless is not responsible for the acts, omissions, availability, or policies of these third-party providers.

In the event a third-party provider suspends or modifies its service, Risksless will automatically route traffic to alternate providers where available, but cannot guarantee uninterrupted service.

8. Chargebacks & disputes

Because settlement occurs on-chain directly to the merchant's wallet, merchants do not typically face chargeback liability through Risksless. However, the underlying payment provider may at its discretion pursue its own dispute resolution with the customer, which does not involve Risksless or the merchant's on-chain funds.

Risksless does not mediate disputes between merchants and customers. Both parties should resolve such matters between themselves or via the payment provider's own dispute mechanism.

9. Fees

Risksless charges a per-transaction software fee, deducted at settlement. The amount is displayed in the fee schedule on our website and at the point of transaction. Additional fees may be charged by the underlying payment provider or the blockchain network used for payout. All fees are displayed to the customer at checkout before payment confirmation.

Risksless reserves the right to update fees on reasonable notice, which will be published on the Service's pricing page.

10. Modifications to these Terms

We may update these Terms from time to time. Continued use of the Service after an update constitutes acceptance of the revised Terms. The "Last updated" date at the top of this page reflects the current version.

11. Governing law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Contact

Questions about these Terms can be sent to legal@risksless.com or via WhatsApp at wa.me/13435605106.