Terms and conditions

Best Wallet EOOD (UIC 208076258), 1 Pop Bogomil str, Oborishte District, Office 9, Sofia – 1202, Bulgaria (BG) and/or its affiliates (“we,” “our,” or “us”) provides its software services through its website located at BestPay.com and related applications and products (collectively the “Services” or “BestPay”). Before using our Services, please read the Terms of Service (the “Terms”) carefully, along with any other policies or notices on our website or applications.

1. AGREEMENT TO TERMS

These Terms of Service (the “Agreement”) explains the terms and conditions by which you may access and use ‘https://bestpay.com’, and any associated subdomains (referred to as the “Website”).

This agreement carefully outlines the rules and conditions that apply to your use of the website. By accessing or using the Website, you indicate that you have read, understood, and agreed to be bound by the terms of this Agreement in its entirety. If you do not agree with these terms, you are not authorized to access or use any of the BestPay Services and should refrain from doing so.

This Agreement includes essential information that affects your rights, such as a provision for binding arbitration and a waiver of class action. These provisions dictate how disputes will be resolved. Therefore, you can only access and use the Website if you completely agree to all the terms outlined in this Agreement.

WE DO NOT PROVIDE INVESTMENT, FINANCIAL ADVICE, OR CONSULTING SERVICES. OUR ROLE IS SOLELY TO PROVIDE ACCESS TO THIRD-PARTY FIAT-TO-CRYPTO ONRAMP SERVICES THROUGH ‘BESTPAY,’ AND WE DO NOT ADVISE OR MAKE RECOMMENDATIONS ABOUT ENGAGING IN DIGITAL ASSET TRANSACTIONS OR OPERATIONS. ANY DECISIONS MADE WHEN PARTICIPATING IN TRANSACTIONS OR OPERATIONS INVOLVING DIGITAL ASSETS SHOULD BE BASED ON THE USER’S OWN JUDGMENT AND DISCRETION.

2. UPDATES TO TERMS OR SERVICES

We may update or modify these Terms at any time, in our sole discretion. Where required by applicable law or where the changes are material, we will notify you in advance, for example, by posting an updated version on our website or by other reasonable communication channels (such as email or website notice).

Unless otherwise specified, all modifications will become effective when posted. Your continued use of BestPay Services after any such change shall constitute your acceptance of the revised Terms. If you do not agree to the updated Terms, you must discontinue use of our Services.

Please check our website regularly to stay informed of any updates. We may also change or discontinue parts of the Services at any time, without prior notice, and at our sole discretion, provided this does not conflict with your statutory rights.

3. INTRODUCTION

BestPay (The Website) provides access to an aggregated platform that connects users with various third-party fiat-to-crypto onramp services, allowing users to purchase digital assets using traditional payment methods such as credit cards, debit cards, bank transfers, and other supported payment options.

BestPay operates as an aggregator and intermediary platform that facilitates connections between users and licensed third-party payment processors and cryptocurrency exchanges. We do not directly handle, process, or store fiat currency payments, nor do we provide custody services for digital assets purchased through our platform.

We do not possess custody or control over the digital assets purchased through third-party services accessed via our platform and are unable to retrieve, transfer, or refund such assets. By using any of BestPay’s Services you explicitly agree to be bound by this Agreement, as well as all terms and policies referenced and incorporated herein.

4. ELIGIBILITY

To access and use the services provided by BestPay, you must have the capacity to enter into a legally binding agreement with us. This requires you to declare that you have attained the legal age of majority as defined by the laws of your jurisdiction (e.g., 18 years old in most countries) and possess the full right, authority, and power to enter into and comply with the terms and conditions specified in this Agreement. Furthermore, to be eligible for these terms: (i) you must not be a resident of sanctioned jurisdictions in accordance with trade embargoes, UN Security Council Resolutions (“UNSCR”), or HM Treasury’s financial sanctions regime; and (ii) you must not currently be subject to economic sanctions, such as inclusion on the United Nations Security Council Sanctions List, the list of specially designated nationals maintained by OFAC, the denied persons or entity list of the U.S. Department of Commerce, or any similar list maintained by any other relevant sanctions authority.

If you are utilizing our Services on behalf of a legal entity, you additionally affirm and guarantee that: (iii) the legal entity has been duly organized and validly exists under the applicable laws of its jurisdiction of organization; and (iv) you are duly authorized by such legal entity to act on its behalf. Your usage of our Services is permitted only if it complies with the laws of your jurisdiction. To clarify, you may not employ our services if you are situated in, or a citizen or resident of any state, country, territory, or other jurisdiction where such usage would be illegal or contravene any applicable laws. It is your responsibility to ensure that these terms adhere to all applicable laws, rules, and regulations that are applicable to you.

By utilizing BestPay, you affirm and warrant that you meet all the eligibility requirements outlined in these terms. However, we retain the right to deny access or usage of BestPay to certain individuals, and we reserve the discretion to modify our eligibility criteria at any time.

5. SERVICES

BestPay is a software platform that operates as an aggregator for third-party fiat-to-crypto onramp services. Our platform provides users with access to multiple payment processors and cryptocurrency exchanges through a single interface, enabling the purchase of digital assets using traditional payment methods.

BestPay provides the following functionalities:

(a) Access to multiple third-party fiat-to-crypto onramp providers through an integrated interface;

(b) Price comparison and rate information from various third-party service providers;

(d) Support for various payment methods including credit cards, debit cards, bank transfers, and other payment options as supported by third-party providers;

(e) Transaction tracking and status updates for purchases initiated through our platform;

(f) Customer support and assistance for transactions processed through our aggregated services;

(g) Integration with Best Wallet ecosystem, allowing direct transfer of purchased digital assets to Best Wallet addresses.

6. THIRD-PARTY PAYMENT PROCESSING

When you choose to purchase digital assets through BestPay, please note the following:

(a) All fiat currency transactions are processed by licensed third-party payment processors and exchanges, not by BestPay directly;

(b) You will be subject to the terms and conditions, privacy policies, and fee structures of the relevant third-party service provider(s);

(c) BestPay does not have the ability to change, withdraw, or cancel any transactions once they are submitted to third-party processors;

(d) BestPay is not responsible for determining or controlling the exchange rates, fees, or processing times offered by third-party service providers;

(e) Any fees charged by third-party service providers, banks, or payment card issuers are not the responsibility of BestPay;

(f) You may be subject to identity verification (KYC), anti-money laundering (AML), or other compliance measures required by third-party providers. Your unwillingness to complete such verification may result in your inability to purchase digital assets;

(g) BestPay may receive fees or commissions from third-party providers for facilitating customer connections and transactions;

(h) The availability of payment methods and supported digital assets depends on the third-party providers and may vary by jurisdiction.

Please ensure that you review and agree to the terms and conditions set forth by each third-party service provider before using their services.

7. DIGITAL ASSET TRANSACTIONS

To ensure the completion of all digital asset purchases, transactions must be confirmed and processed by the relevant third-party service providers and recorded on the associated blockchain networks. We have no direct control over these processes and cannot guarantee the confirmation, processing time, or successful completion of any transaction. By using BestPay, you acknowledge and agree to the following:

(a) We do not have the ability to cancel, modify, or reverse transactions once submitted to third-party processors;

(b) Transaction processing times and confirmation may vary significantly depending on the third-party provider, payment method, and blockchain network conditions;

(d) Any transfer or delivery of digital assets occurs through third-party services and blockchain networks, not through systems owned by us;

(e) We do not guarantee the transfer of title or rights in any digital asset purchased through third-party providers.

8. ACCURACY OF INFORMATION PROVIDED BY USER

You represent and warrant that any information you provide through the Services is accurate, complete, and current. You accept and acknowledge that we are not responsible for any errors or omissions made by you in connection with any transaction initiated through the Services. We strongly recommend that you carefully review all transaction details, including recipient addresses, amounts, and fees, before confirming any purchase.

9. TRANSACTION FEES AND COSTS

Digital asset purchases through third-party providers may be subject to various fees and costs, including but not limited to:

(a) Service fees charged by third-party payment processors; (b) Network fees for blockchain transactions; (c) Credit card or bank processing fees; (d) Currency conversion fees; (e) BestPay service fees (where applicable).

You are responsible for reviewing and understanding all applicable fees before initiating any transaction. You acknowledge and agree that we will not be held liable for any failed transactions or losses due to insufficient funds, incorrect fee calculations, or payment method limitations.

10. THIRD-PARTY SERVICES AND CONTENT

BestPay aggregates and provides access to various third-party fiat-to-crypto onramp services. We do not operate, control, or assume liability for these third-party services, including their availability, security, compliance, or performance. If you encounter any issues with a transaction or service provided by a third-party, you bear all associated risks and must resolve such issues directly with the relevant third-party provider.

The Website may contain links to third-party websites and services. We do not operate or monitor these external services and do not endorse, control, or take responsibility for their content, privacy practices, terms of use, or any other aspect of their operation. Use of third-party services is governed by their respective terms of service, not by our Terms.

When you use or access third-party services through our platform, you bear the sole and exclusive responsibility for accepting and complying with their respective terms of service, privacy policies, fees, and charges.

11. INTELLECTUAL PROPERTY RIGHTS

BestPay retains exclusive ownership of all intellectual property and other rights associated with the Website and its contents. This includes, but is not limited to, software, text, images, trademarks, service marks, copyrights, patents, designs, and the overall “look and feel” of the Website.

If you (the user) agree to and comply with the terms, you are granted a non-exclusive, non-sublicensable, and non-transferable license to use BestPay for personal use or internal business use only. However, there are certain restrictions and limitations on your use of BestPay. Specifically, you are not allowed to reproduce, modify, adapt, or create derivative works of BestPay. You cannot rent, lease, distribute, sell, sublicense, transfer, or provide access to BestPay to third parties. BestPay should not be used for the benefit of any third party without prior consent. You are also prohibited from incorporating BestPay into a product or service provided to a third party without obtaining written consent from us. Any attempts to circumvent usage limitations or reverse engineer the software are strictly prohibited, except as expressly permitted by applicable law and with advance notice to us. Additionally, you should not remove or obscure any proprietary or other notices contained in BestPay. Using BestPay for competitive analysis or to build competitive products is also not permitted.

12. FURTHER RIGHTS

We reserve certain rights, which are not considered obligations on our part. These rights include the following:

(a) We have the authority to review, modify, filter, disable, delete, and remove any and all content and information from the Website;

(b) We may, at our discretion and with or without prior notice to you, modify, substitute, eliminate, or add to the Website;

(c) We may cooperate with law enforcement, court orders, government investigations, or third-party requests that require or direct us to disclose information or content provided by you.

Please note that while we retain these rights, their exercise does not create an obligation for us to act in a specific manner.

13. PROHIBITED ACTIVITY

You agree not to engage in, or attempt to engage in, any of the following categories of prohibited activity in relation to your access and use of the Website:

Unauthorized access: Users must not attempt to gain unauthorized access to the website, its systems, or any other user accounts.
Illegal activities: Users must not engage in any activity that is unlawful, fraudulent, or promotes illegal behavior.
Intellectual property infringement: Users must not infringe upon the intellectual property rights of others, including copyright, trademarks, patents, or trade secrets.
Spam and phishing: Users must not send unsolicited or deceptive communications, including spam, phishing attempts, or other fraudulent activities.
Malicious software: Users must not distribute viruses, malware, or any other harmful software or code that could damage or disrupt the website or its users.
Harassment and abuse: Users must not engage in any form of harassment, bullying, or abusive behavior towards other users, including hate speech, threats, or personal attacks.
Impersonation: Users must not impersonate another person, or entity, or falsely represent their affiliation with a person or organization.
Data mining and scraping: Users must not engage in unauthorized data mining, scraping, or harvesting of information from the website or its users.
Violation of privacy: Users must respect the privacy of others and not engage in activities that violate the privacy rights of individuals, including the unauthorized collection or dissemination of personal information.
Violation of terms: Users must comply with all terms and conditions outlined in the website’s Terms of Service and not engage in any activity that violates these terms.

14. EXTENDED PROHIBITED ACTIVITY

Intellectual Property Infringement: Users are strictly prohibited from engaging in any activity that infringes upon or violates any copyright, trademark, service mark, patent, right of publicity, right of privacy, or other proprietary or intellectual property rights under the law.
Cyberattack: Users shall not participate in any activity that aims to interfere with or compromise the integrity, security, or proper functioning of any computer, server, network, personal device, or other information technology system. This includes but is not limited to, the deployment of viruses and denial of service attacks.
Fraud and Misrepresentation: Users are prohibited from engaging in any activity that seeks to defraud us or any other person or entity. This includes providing false, inaccurate, or misleading information with the intent to unlawfully obtain the property of another.
Market Manipulation: Users shall not engage in any activity that violates any applicable laws, rules, or regulations concerning the integrity of trading markets. This includes but is not limited to, manipulative tactics such as “rug pulls,” pumping and dumping, and wash trading.
Securities and Derivatives Violations: Users must not engage in any activity that violates any applicable laws, rules, or regulations concerning the trading of securities or derivatives.
Sale of Stolen Property: Users shall not engage in the buying, selling, or transferring of stolen items, fraudulently obtained items, items taken without authorization, and/or any other illegally obtained items.
Data Mining or Scraping: Users are strictly prohibited from engaging in activity that involves data mining, robots, scraping, or similar methods of gathering or extracting content or information from the Website.
Objectionable Content: Users must refrain from engaging in any activity that involves soliciting information from anyone under the age of 18 or that is otherwise harmful, threatening, or offensive in nature.

15. FEEDBACK

From time to time, you may choose to submit feedback to us. We may, in connection with BestPay, freely use, copy, disclose, license, distribute and exploit any feedback in any manner without any obligation, royalty or restriction based on intellectual property rights or otherwise. No feedback will be considered your Confidential Information, and nothing in this Agreement limits our right to independently use, develop, evaluate, or market products or services, whether incorporating feedback or otherwise.

16. CONTENT

BestPay may contain copyrighted material and trademarks including, but not limited to, text and graphics (the “Content”), which are protected by copyright law, registered and unregistered trademarks, and other intellectual property rights. Unless otherwise provided, we exclusively own the Content. Your use of BestPay does not grant you any right, title, or interest in the Content. You agree that you will not copy, reproduce, modify, republish, upload, post, transmit, distribute, collect, sell, license, create derivative works from, or, in any other way, whether manual or automated, exploit any of the Content, in whole or in part.

17. JURISDICTIONAL COMPLIANCE AND TAX OBLIGATIONS

The availability and suitability of the Website may be subject to jurisdictional limitations. By accessing or using the Website, you explicitly acknowledge and agree that you bear complete and exclusive responsibility for ensuring strict compliance with all applicable laws and regulations that may pertain to your use of the Website.

It is important to note that your utilization of the Website may give rise to various tax implications, including but not limited to income tax, capital gains tax, value-added tax (VAT), goods and services tax (GST), or sales tax, as dictated by the relevant jurisdictions. It is your sole obligation to diligently assess whether such taxes apply to any transactions you engage in through the Website, and if determined applicable, to accurately report and remit the requisite taxes to the appropriate tax authority within the prescribed timeframes, ensuring full compliance with all applicable tax laws and regulations.

It is your responsibility to determine whether any taxes apply to the transactions you initiate through the Services and to report and remit the appropriate tax to the relevant tax authority. We are not responsible for determining the applicability of taxes to your transactions or for collecting, reporting, withholding, or remitting any taxes associated with digital asset-related transactions.

18. LIMITATION OF LIABILITY & DISCLAIMER OF WARRANTIES

By using the Services provided by BestPay, you acknowledge and agree to the following:

Limitation of Liability: BestPay and its affiliates, shareholders, members, directors, officers, employees, attorneys, agents, representatives, suppliers, and contractors shall not be liable for any direct damages or incidental, indirect, special, punitive, consequential, or similar damages or liabilities arising from your access or use of the Services. This includes, but is not limited to, damages for loss of data, information, revenue, profits, or other businesses or financial benefits, regardless of the legal theory under which such damages may arise.

You specifically release BestPay from any liability related to losses, damages, or claims arising from the following:

(a) User error, such as incorrect transaction details, wrong recipient addresses, or payment method failures.

(b) Third-party service provider failures, delays, or errors.

(d) Unauthorized access to the BestPay platform.

(e) Bugs or other errors in the BestPay software.

(f) Any unauthorized third-party activities, including the use of viruses, phishing, brute forcing, or other means of attack against BestPay.

(g) Actions or omissions of third-party payment processors, exchanges, or service providers.

Disclaimer of Warranties: BestPay is provided on an “as is” and “as available” basis, without any warranties or representations of any kind. BestPay disclaims all representations and warranties, express or implied, relating to the Services and underlying software, including but not limited to warranties of merchantability, fitness for a particular purpose, title, non-infringement, freedom from computer virus, and any implied warranties arising from course of dealing, course of performance, or usage in trade.

BestPay does not guarantee that the content accessible via the Services is accurate, complete, available, current, free of viruses or other harmful components, or that the results of using the Services will meet your requirements. BestPay does not make any representations or warranties regarding the continuous, uninterrupted, timely, or error-free access to BestPay or the functionality of third-party services.

By using the Services, you acknowledge that you have read and understood these limitations of liability and disclaimer of warranties and agree to be bound by them.

19. INDEMNITY

You agree to defend, indemnify, and hold harmless BestPay, its affiliates, and their respective shareholders, members, directors, officers, employees, attorneys, agents, representatives, suppliers, and contractors, to the extent permitted by applicable law, from and against any and all claims, damages, obligations, losses, liabilities, torts, costs or debt, and expenses (including but not limited to attorney’s fees) arising from:

(a) Your use of and access to the Services provided by BestPay.

(b) Any feedback or submissions you provide to BestPay.

(d) Your violation of the Terms.

(e) Your violation of any law, rule, or regulation, or the rights of any third party.

20. TIME LIMITATION ON CLAIMS

You acknowledge and agree that any claim arising out of or related to your relationship with BestPay must be filed within one year after the claim arises. Failure to file such a claim within the specified time period will result in the permanent bar of your claim.

21. GOVERNING LAW

The interpretation and enforcement of these Terms, and any Dispute related to these Terms or the Services, will be governed by and construed and enforced under the laws of Bulgaria, as applicable, without regard to conflict of law rules or principles (In any court of Bulgaria or other jurisdiction) that would cause the application of the laws of any other jurisdiction. You agree that we may initiate a proceeding related to the enforcement or validity of our intellectual property rights in any court having jurisdiction. For any other proceeding that is not subject to arbitration under these Terms, the state courts located in Bulgaria will have exclusive jurisdiction. You waive any objection to change the venue in any such courts.

22. TERMINATION

In the event of termination regarding your license to use BestPay, your obligations under this Agreement will still continue. Your access to digital assets purchased through third-party services will depend on the terms and conditions of those third-party providers.

23. DISCONTINUANCE OF SERVICES

We may, in our sole discretion and without cost to you, with or without prior notice, and at any time, modify or discontinue, temporarily or permanently, any portion of our Services. If we discontinue all or any part of the Services, ongoing transactions with third-party providers will continue to be governed by the terms of those providers. BestPay shall not be held responsible or liable for any loss or inability to access third-party services in the event that we discontinue all or any part of the Services.

24. NO WAIVER

Our failure to exercise or delay in exercising any right, power, or privilege under this Agreement shall not operate as a waiver; nor shall any single or partial exercise of any right, power, or privilege preclude any other or further exercise thereof. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of us. Except as expressly set forth in this Agreement, the exercise by either party of any of its remedies under this Agreement will be without prejudice to its other remedies under this Agreement or otherwise.

25. SEVERABILITY

If it turns out that any part of this Agreement is invalid, void, or for any reason unenforceable, that term will be deemed severable and limited or eliminated to the minimum extent necessary. The limitation or elimination of the term shall not affect or impair the validity or enforceability of any remaining part of that term, clause, or provision or any other terms, clauses, or provisions of these Terms.

26. DISPUTE RESOLUTION AND ARBITRATION

PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT MAY SIGNIFICANTLY IMPACT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO BRING A LAWSUIT AGAINST BESTPAY IN ANY COURT OR GOVERNING AUTHORITY. EXCEPT AS EXPRESSLY PROVIDED BELOW SECTION REQUIRES YOU TO SUBMIT ANY DISPUTE, CLAIM, OR DISAGREEMENT (EACH A “DISPUTE”) ARISING OUT OF THESE TERMS OR THE SERVICES, INCLUDING ANY DISPUTE THAT AROSE BEFORE THE EFFECTIVE DATES OF THESE TERMS, TO BINDING INDIVIDUAL ARBITRATION. THIS SECTION EXTENDS TO DISPUTES THAT AROSE OR INVOLVE FACTS OCCURRING BEFORE THE EXISTENCE OF THIS OR ANY PRIOR VERSIONS OF THE TERMS AS WELL AS DISPUTES THAT MAY ARISE AFTER THE TERMINATION OF THE TERMS.

We will use our best efforts to resolve any potential disputes through informal, good-faith negotiations. If a potential dispute arises, you must contact us by sending an email to contact@bestwallet.com so that we can attempt to resolve it without resorting to formal dispute resolution. If we are not able to reach an informal resolution within sixty days of our response to your email, we both agree to resolve the potential dispute according to the process set forth below.

Any claim or controversy arising from the Website, this Agreement, or any other acts or omissions that you believe make us liable will be resolved through arbitration under the Arbitration Rules of the Arbitration Court at the Bulgarian Chamber of Commerce and Industry (BCCI). You acknowledge that you are required to settle all Disputes through binding arbitration. The arbitration will be confidential and conducted before a single arbitrator chosen in accordance with the BCCI’s rules. Unless mutually agreed otherwise, the arbitration will take place in Bulgaria. The arbitrator is not allowed to consolidate your claims with those of any other party unless we agree otherwise. The resulting award can be entered as a judgment in any court with jurisdiction.

27. CLASS ACTION AND JURY TRIAL WAIVER

You must bring any and all Disputes against us in your individual capacity and not as part of a class action, collective action, private attorney general action, or any other representative proceeding. This applies to class arbitration as well.

28. ENTIRE AGREEMENT

These Terms represent the entire agreement between you and us regarding the subject matter discussed. They supersede any prior written or oral agreements, communications, or understandings relating to the subject matter.

29. GENERAL INFORMATION

Please refer to our Privacy and Cookies policies, which are on the Website for information on how we collect, use, share and otherwise process information about you.

You agree to receive all communications, agreements, documents, receipts, notices, and disclosures electronically in connection with these Terms or any Services. We may provide these communications by posting them on the Website or emailing them to the email address you provide.

If any provision of these Terms is found to be invalid or unenforceable, it will not affect the validity or enforceability of the other provisions, which will remain in full force and effect. We will not be responsible or liable for any failure or delay in performing any other services or for any loss or damage you may incur due to circumstances or events beyond our control. This includes events like floods, extreme weather conditions, earthquakes, acts of God, fires, wars, insurrections, riots, labor disputes, accidents, government actions, communication failures, power outages, or equipment or software malfunctions.

Unless otherwise provided or required by the context, the headings of sections are for convenience only and will not limit or interpret the sections. Whenever the words “include,” “includes,” or “including” are used in these Terms, they are deemed to be followed by the words “without limitation.” The use of “or” is not intended to be exclusive.

These Terms constitute the entire agreement between you and BestPay, superseding any prior or contemporaneous understandings between the parties regarding the Services. In case of any conflict between these Terms and any other agreement you may have with us, these Terms will prevail unless the other agreement specifically identifies these Terms and states that it supersedes them.

You agree that, except as expressly provided in this Agreement, there are no third-party beneficiaries to the Agreement other than the Indemnified Parties.

BestPay is not regulated under Markets in Crypto-Assets Regulation (MiCA) or any national law implementing it. Thus, you as a user, cannot rely on the protections provided within these acts in regard to your usage of BestPay.

30. QUESTIONS OR COMMENTS

If you have any questions relating to these Terms, your rights and obligations arising from these Terms, and/or your use of BestPay and our Services, or any other matter, please send us a message at contact@bestwallet.com.

Last revised: July 2025