1. Introduction and Acceptance
Welcome to Paynch — a platform that enables the creation and deployment of smart contracts for receiving payments in USDT (and other ERC-20/BEP-20 tokens), a crypto checkout button, and the creation of custom tokens.
If you do NOT agree with any clause, do not use the platform.
1.1 Legal Capacity
You represent that you are at least 18 years old and have full legal capacity to enter into this agreement.
2. Definitions
- Platform / Paynch — a SaaS toolkit for deploying payment contracts and a crypto checkout button.
- Smart Contract / Payment Contract — immutable code deployed on a blockchain (BSC, Polygon, Base, Arbitrum, etc.) generated by Paynch.
- Free Plan — 1% fee on every processed transaction.
- Lifetime Premium Plan — one-time payment (currently US$99.90) with 0% platform fee and advanced features.
- Gas Fees — blockchain network costs paid by the User in the native currency (BNB, MATIC, ETH, etc.).
- Wallet — a crypto wallet under the User's exclusive responsibility.
3. Services Offered
Paynch provides:
- Smart Contract Deployment — creation and publication of dedicated contracts for receiving USDT and custom tokens.
- Payment Button — embeddable widget with automatic on-chain verification.
- ERC-20 Token Creation — exclusive to Premium plan — a simple token contract with 18 decimals.
- Automatic Cashback — configurable on Premium contracts (subject to cashback token balance).
4. Plans, Payments & Fees
4.1 Free Plan
1% fee on the value of each transaction processed by the contract.
4.2 Lifetime Premium Plan
- One-time payment in USDT (BSC) — currently US$99.90 (price may be adjusted with prior notice).
- 0% platform fee on future transactions.
- Lifetime access to Premium features.
- NON-REFUNDABLE after on-chain confirmation (digital service delivered immediately).
Note on Installation: Installation performed by Paynch is limited to the scope of the platform's standard technologies and integrations (PHP, JavaScript, jQuery, HTML/CSS, Solidity, basic APIs, MySQL, and natively supported integrations). Advanced customizations, integrations with external systems (e.g., WordPress with custom plugins, Solidity contract modifications beyond the basics, or any development outside the standard offering) are the User's sole responsibility. Paynch is not liable for adaptations or additional maintenance beyond what is natively built into the platform.
5. Risks & Disclaimer of Warranties
- Crypto assets are highly volatile — you may lose 100% of your invested value.
- Smart contracts are immutable — an incorrect receiving address means permanent loss of funds.
- Gas fees, network bugs, forks, 51% attacks, oracle failures — Paynch is not responsible for any of these.
- The platform is provided "as is" — without guarantees of 100% uptime, absolute security, or fund recovery.
- Paynch is NOT a custodian, bank, or broker.
6. Prohibited Use
You are expressly prohibited from using Paynch for:
- Illegal activities (money laundering, terrorism financing, fraud, phishing, darknet markets)
- Ponzi schemes, rug pulls, pump & dump, or any form of financial scam
- Exploiting vulnerabilities in the platform or generated contracts
- Illegal adult content (legal adult content is permitted), unauthorized gambling, sale of weapons or drugs
- Violation of international sanctions (OFAC, UN, etc.)
- Immediate suspension of access to the platform, dashboard, and tools (including generation of new contracts and buttons);
- Removal of indexing/support/display of contracts associated with the account in the dashboard;
- Blocking of new interactions with the Paynch interface;
- Reporting to competent authorities when there is evidence of illegal activity.
Note: Contracts already deployed on the blockchain are immutable and irreversible. Paynch does not have (and never will have) the ability to alter, pause, or recover funds in on-chain contracts.
7. Limitation of Liability
Paynch's liability is limited to the amount effectively paid for the Premium Plan (or 12 months of fees under the free plan).
Under no circumstances shall Paynch be liable for:
- Lost profits, data loss, or business interruption
- Losses arising from a hack of the user's wallet, address errors, or blockchain network failures
- Indirect or consequential damages
8. Privacy & Data Protection
Paynch is a decentralized Web3 platform that operates 100% in the browser and on the blockchain. We do not persistently store personal data on our own servers.
We only use the wallet address for temporary frontend authentication (without saving or controlling it on our end). On-chain transactions are public by the nature of the blockchain and do not constitute personal data collection by Paynch. Any temporary IP processing (for abuse prevention or security) is handled by third-party providers (e.g., Cloudflare), without storage or association with us.
We do not sell, share, or link data to personal profiles. We may disclose information only when required by court order or competent authority.
9. Governing Law and Jurisdiction
These Terms of Use are governed by and construed exclusively in accordance with the laws of the Federative Republic of Brazil, regardless of conflict-of-law principles.
Any dispute, controversy, or claim arising out of or relating to these Terms, including their validity, interpretation, enforcement, or termination, shall be resolved exclusively in the courts of the City of Rio de Janeiro, State of Rio de Janeiro, Brazil, with express waiver of any other jurisdiction, however privileged.
The parties acknowledge that, for disputes eligible by value or nature, they may opt for alternative dispute resolution mechanisms, such as arbitration (pursuant to Law No. 9,307/1996), by subsequent express agreement.
10. Amendments
Paynch may update these Terms at any time. The updated version will be published on the website and, when material, communicated by email or via the dashboard.
Continued use of the platform after changes implies acceptance of the new terms.