These Terms and Conditions govern the use of Utopie Pay's financial services. You agree to be bound by these terms and conditions by using our services. If you do not agree with any of these terms, please do not use our services. Utopie Pay provides digital financial services, including online remittance solutions, virtual and physical cards, e-wallets, and contactless card services. Our services are intended for individuals and businesses looking for fast, secure, and reliable financial solutions.

You must be at least 18 years old and have the legal capacity to enter into a binding agreement. You must also provide accurate and complete information about yourself and any business you represent. To use our services, you must create an account on our platform. You are responsible for maintaining the confidentiality of your account information, including your username and password. You are also responsible for all activities that occur under your account.

We may charge fees for our services, including transaction, conversion, and account maintenance fees. Our fees are subject to change at any time. We will notify you of any fee changes before they take effect. You are responsible for complying with all applicable laws and regulations when using our services. You must not use our services for any illegal or fraudulent activities. You must not use our services to harass, abuse, or harm others. We may terminate your account and access to our services anytime for any reason, including if you violate these terms and conditions. We may also suspend or modify our services at any time without notice. We are not liable for any damages, losses, or expenses arising from your use of our services, including any errors or delays in processing transactions. We are not responsible for any unauthorized access to your account or any damages resulting from such access.

You agree to indemnify and hold Utopie Pay and its affiliates, officers, directors, employees, and agents harmless from any claims, damages, or expenses arising from your use of our services or your violation of these terms and conditions. These terms and conditions are governed by the laws of the jurisdiction where Utopie Pay is incorporated. Any dispute arising from these terms and conditions shall be resolved through arbitration following the rules of the governing jurisdiction. We reserve the right to modify these terms and conditions at any time. We will notify you of any changes by posting the updated terms and conditions on our platform. Your continued use of our services after such notification constitutes your acceptance of the updated terms and conditions.

If you have any questions or concerns about these terms and conditions or our services, please contact us at root@utopiepay.com