Terms of Service - Paynch | Decentralized Crypto Payments

1. Introduction and Acceptance

Welcome to Paynch. We are a non-custodial SaaS platform that enables users to generate, deploy, and manage smart contracts for decentralized on-chain payments (including USDT and other ERC-20/BEP-20 tokens), embeddable crypto checkout buttons, and custom token creation — all directly on the blockchain.

BY ACCESSING OR USING THE PLATFORM, CLICKING “I ACCEPT”, OR MAKING ANY PAYMENT, you represent that you have read, understood, and fully agree to these Terms of Use, which constitute a legally binding contract between you (the User/Merchant/Project Owner) and Paynch.

If you DO NOT agree with any provision, do not use the platform.

1.1 Capacity and Eligibility

You represent that you are at least 18 years old (or the age of majority in your jurisdiction) and have full legal capacity to enter into this agreement. You are also not prohibited from using crypto services under applicable laws (including sanctions lists such as OFAC).

2. Definitions

Platform / Paynch — The SaaS tools for generating and deploying on-chain payment smart contracts and crypto checkout widgets.
Smart Contract / Payment Contract — Immutable code deployed on EVM-compatible blockchains (BSC, Polygon, Base, Arbitrum, Ethereum, etc.) and generated via Paynch.
Free Plan — 1% platform fee on processed transactions.
Lifetime Premium Plan — One-time payment (currently $99.90 USDT) granting 0% platform fees and advanced features for life.
Gas Fees — Blockchain network costs paid by the User in native currency (BNB, MATIC, ETH, etc.).
Wallet — User-controlled cryptocurrency wallet; Paynch never has access to private keys.
Non-Custodial — Paynch does not hold, control, or custody any funds or assets at any time.

3. Services Provided

Paynch offers fully decentralized, non-custodial tools including:

Smart Contract Deployment

Automated creation and on-chain deployment of dedicated payment contracts for tokens (USDT, custom ERC-20, etc.).

Crypto Checkout Button

Embeddable widget with automatic on-chain verification and real-time status.

Custom ERC-20 Token Creation

Premium-only: Simple token contract with 18 decimals, optional vesting/locking features.

Automated On-Chain Cashback

Configurable in Premium contracts (subject to available balance in the cashback token).

Critical: Paynch is strictly non-custodial. We do not hold funds, manage wallets, act as an exchange, broker, or custodian. All funds go directly to user-controlled addresses via immutable smart contracts.

Paynch provides infrastructure tools only. We do not endorse, audit (unless separately contracted), or assume responsibility for any project, token, or presale launched using our tools.

4. Plans, Payments, and Fees

4.1 Free Plan

1% platform fee deducted automatically from each processed transaction.

4.2 Lifetime Premium Plan

One-time payment in USDT (on BSC) — currently $99.90 (subject to change with prior notice).
0% platform fees on all future transactions.
Lifetime access to Premium features.
Non-refundable once on-chain confirmation occurs (digital service delivered instantly).

Important – Scope of Installation/Support: Paynch's assistance is limited to standard technologies (PHP, JavaScript, jQuery, HTML/CSS, Solidity basics, MySQL, and native integrations). Advanced customizations, third-party plugin modifications, complex Solidity changes, or non-standard development are the sole responsibility of the user. Paynch provides no ongoing maintenance or support beyond native platform features.

Activation: Automatic upon blockchain confirmation of payment.

5. Risks and Warranty Disclaimers

CRITICAL – READ CAREFULLY

Cryptocurrencies and blockchain assets are highly volatile; you may lose 100% of your value.
Smart contracts are immutable — incorrect recipient address results in permanent loss.
Network risks (gas spikes, congestion, forks, 51% attacks, oracle failures, bugs) are inherent and Paynch bears no responsibility.
The platform is provided “AS IS” and “AS AVAILABLE” without warranties of any kind, express or implied, including merchantability, fitness for purpose, uptime, error-free operation, or security.
Paynch is NOT a custodian, bank, broker, exchange, or fiduciary.
We make no representations about the legality, viability, or success of any project/token using our tools.

The user assumes all risks associated with blockchain technology, smart contract usage, and cryptocurrency transactions.

6. Prohibited Use

You may not use Paynch for:

Illegal activities (money laundering, terrorism financing, fraud, phishing, darknet markets)
Ponzi schemes, rug pulls, pump & dump, or any fraudulent financial schemes
Exploiting platform or generated contract vulnerabilities
Illegal adult content, unauthorized gambling, sale of weapons/drugs
Violation of international sanctions (OFAC, UN, etc.)

Violation may result in:

Immediate suspension of access, dashboard, and tools (including new contract generation);
Removal of indexing/support/display of associated contracts;
Blocking further platform interactions;
Reporting to relevant authorities if illegal activity is suspected.

Deployed smart contracts are immutable and irreversible. Paynch has no ability (and will never have) to modify, pause, freeze, or recover on-chain funds.

7. Limitation of Liability

Paynch's total liability is limited to the amount actually paid by you for the Premium Plan (or 12 months of fees under the Free Plan).

Under no circumstances will Paynch be liable for:

Lost profits, data loss, business interruption
Losses from user wallet hacks, address errors, blockchain failures
Indirect, incidental, consequential, special, or punitive damages

8. Privacy and Data Protection (LGPD/GDPR Equivalent)

Paynch is a Web3 decentralized platform operating 100% client-side in the browser and on-chain. We do not persistently store personal data on our servers.

We use only your wallet address for temporary frontend authentication (no storage or control by us). On-chain transactions are public by design and do not constitute personal data collection by Paynch. Any temporary IP processing (for abuse prevention/security) is handled by third-party providers (e.g., Cloudflare) without storage or linking to us.

We do not sell, share, or link data to personal profiles. Disclosure occurs only under valid court order or competent authority request.

9. Governing Law and Jurisdiction

These Terms are governed exclusively by the laws of the Federative Republic of Brazil, without regard to conflict of laws principles.

Any dispute arising out of or relating to these Terms shall be resolved exclusively in the courts of the City of Rio de Janeiro/RJ, with express waiver of any other jurisdiction, however privileged.

Parties may agree in writing to alternative dispute resolution (e.g., arbitration under Law 9.307/1996) for compatible matters.

10. Indemnification

You agree to indemnify, defend, and hold harmless Paynch, its affiliates, officers, agents, and employees from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the platform, violation of these Terms, infringement of third-party rights, or any content/project launched via Paynch tools.

11. Force Majeure

Paynch shall not be liable for any failure or delay in performance caused by events beyond reasonable control, including blockchain network failures, internet outages, acts of God, war, terrorism, government actions, or changes in cryptocurrency protocols/forks.

12. Changes to Terms

Paynch may update these Terms at any time. The current version will be posted on the website; material changes will be notified via email or dashboard notice.

Continued use after changes constitutes acceptance of the updated Terms.