Terms of Service

1. Acceptance of Terms

By accessing and using ShadowPay ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

ShadowPay is a privacy-first onchain banking platform that enables users to make payments, store value, and interact with merchants without exposing wallet addresses, balances, or transaction histories. The Service uses zero-knowledge proofs and authorization-based banking to provide privacy by default while maintaining compliance with applicable regulations.

3. User Responsibilities

You agree to:

• Provide accurate and complete information during registration and identity verification
• Maintain the security of your account credentials
• Use the Service only for lawful purposes
• Comply with all applicable laws and regulations
• Not engage in any activity that could harm, disable, or impair the Service
• Not attempt to circumvent privacy features or security measures

4. Privacy and Data Protection

ShadowPay is designed with privacy as a core principle. While we implement zero-knowledge proofs and other privacy-preserving technologies, you acknowledge that:

• Identity verification may be required for compliance purposes
• We may collect and process certain information as described in our Privacy Policy
• Blockchain transactions, while private, may be subject to onchain analysis

5. Financial Services

ShadowPay operates as a non-custodial platform. You acknowledge that:

• You maintain control over your funds through cryptographic authorization
• Funds are held in shielded liquidity pools, not individual accounts
• You are responsible for managing your spending limits and authorization proofs
• ShadowPay does not guarantee the value of any digital assets
• Cryptocurrency markets are volatile and you may experience losses

6. Prohibited Activities

You agree not to use the Service for:

• Any illegal activity or violation of applicable laws
• Money laundering, terrorist financing, or other financial crimes
• Fraud, theft, or other criminal activities
• Circumventing spending limits or authorization controls
• Attempting to deanonymize other users or breach privacy features
• Interfering with the operation of the Service or relayer network

7. Compliance and Regulatory Requirements

ShadowPay is designed to be compliant with applicable regulations while preserving privacy. You agree to:

• Complete required identity verification (KYC) when requested
• Comply with spending limits and policy constraints
• Provide accurate information for compliance purposes
• Cooperate with legitimate regulatory inquiries as required by law

8. Intellectual Property

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, and software, are the property of ShadowPay and are protected by copyright, trademark, and other intellectual property laws.

9. Limitation of Liability

To the maximum extent permitted by law, ShadowPay shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the Service.

10. Service Modifications

ShadowPay reserves the right to modify, suspend, or discontinue the Service at any time, with or without notice. We may also update these Terms of Service from time to time. Continued use of the Service after changes constitutes acceptance of the modified terms.

11. Termination

We may terminate or suspend your access to the Service immediately, without prior notice, for any breach of these Terms. Upon termination, your right to use the Service will cease immediately.

12. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions. Any disputes arising from these Terms or the Service shall be resolved through appropriate legal channels.

13. Contact Information

If you have any questions about these Terms of Service, please contact us at shadowpay.app or refer to our documentation.