01Introduction and Acceptance
These Terms are a binding agreement between you and Fuzopay LLC. They govern the website, applications, APIs, virtual accounts, conversion tools, and related services. By creating an account or using the Services, you confirm that you have read and accepted these Terms, the Privacy Policy, and referenced policies.
This single agreement covers Global Bank Accounts, Conversion, Deposit, Transfer, Card, Flexible Earn, Staking, Refer & Earn, and VIP status. You do not sign a separate agreement for each feature.
You must be at least 18 (or the age of majority where you live), able to enter a binding contract, located in a supported jurisdiction, and not subject to applicable sanctions. Access also requires successful identity verification and any additional due diligence we request.
“Located in a supported jurisdiction” ties to the Global Bank Accounts region list. If your country is not yet supported, you can join a waitlist, but you cannot open an account until it launches there. Identity verification is the same KYC process on Security & KYC.
03Third-Party Service Providers
Fuzopay relies on third-party banking, custody, blockchain, and payment partners. Some functions are performed by those providers and may be subject to their own terms and checks. You authorize necessary information sharing. Fuzopay is not a bank, custodian, investment adviser, or money transmitter unless expressly licensed and disclosed.
Global Bank Account ACH, wire, and SWIFT details are issued through banking infrastructure partners. Conversion, Deposit addresses, and on-chain Transfers run through custody and blockchain partners. Your Card is issued and processed through a card network partner. Named partners, once confirmed, belong on Security & KYC — this section stays consistent with that page.
04Prohibited Jurisdictions and Sanctions
The Services are unavailable where prohibited by law or sanctions. You represent that you are not located in, resident in, or acting for a restricted jurisdiction or person, and that you will not use the Services to evade restrictions.
A country only appears as selectable on Global Bank Accounts once it is cleared of this restriction. The “currently available in” list on that page reflects it in real time.
05Accounts and Identity Verification (KYC/AML)
Provide accurate, current information and keep it updated. You authorize Fuzopay and its providers to verify identity and process data for AML, CTF, KYC, fraud, and compliance checks. We may request more documents or restrict an account while reviewing risk. Protect your credentials and notifysupport@fuzopay.comimmediately about unauthorized access.
- Generating a crypto Deposit address requires no KYC, and there is no cap on this step — you can receive funds immediately.
- Converting, spending, or withdrawing any funds — fiat or crypto — requires completed verification, with no exceptions. That covers Conversion, Card spending, Transfer to any destination, and withdrawing from Flexible Earn or a matured Staking term.
- Deposited-but-unverified funds are visible right away but stay held — not usable — until verification clears.
This is the same policy on the Deposit page and Security & KYC. If you ever see it phrased differently, that is a documentation bug, not three different rules.
06Description of Services
Fuzopay provides an interface for the following:
- Virtual USD account details
- Fiat-to-stablecoin conversion
- Stablecoin delivery
- Payments
- Withdrawals
- Transaction tracking
Availability varies by jurisdiction and provider. Features may change or be discontinued. Nothing in the Services is investment, legal, or tax advice.
- Global Bank Accounts = virtual account details, extended to each supported country’s local currency and rails — not USD only.
- Crypto Conversion = fiat-to-crypto conversion at live market rates in either direction, including Bitcoin, Ethereum, USDT, and other supported assets — not stablecoins alone.
- Deposit = how funds enter, by crypto (instant address, no KYC to receive) or by bank transfer.
- Transfer = payments and withdrawals: free, instant transfers to contacts on the platform, and external bank transfers via ACH, wire, or SWIFT at the receiving network’s speed (see Section 08).
- Card & Cashback = spending from fiat or crypto, with cashback that can scale with usage.
- Flexible Earn and Staking = two ways a balance can earn — Flexible Earn with no lockup at up to 9% APY, or Staking on a chosen 3, 6, or 12-month term at up to 12% APY. Rates are published and can change.
- Refer & Earn = up to $500 per referral, scaled to how active the referred person becomes.
- VIP & Promotions = activity-based tiers that can reduce conversion fees, increase cashback, and raise limits.
“Nothing in the Services is investment, legal, or tax advice” applies squarely to Flexible Earn and Staking. An “up to X% APY” figure is a published rate, not a guaranteed return.
Fees, spreads, exchange rates, and network costs are shown before confirmation. Charges may come from Fuzopay, service providers, banks, or blockchain networks. Rates remain indicative until execution. Except where law requires otherwise, completed transactions and related fees are non-refundable.
- Transfers to another contact on the platform, and transfers between your own accounts, are $0.
- External bank transfers (ACH, wire, SWIFT) may carry a network-level cost depending on the rail and destination, matching the Transfer page.
- Crypto Conversion carries a conversion fee, shown live at conversion. That fee can decrease as your VIP tier increases.
- Staking and Flexible Earn do not charge a fee to earn; the APY you see is the published return, not a rate net of a hidden charge.
- “Rates remain indicative until execution” is why calculators show a live-updating number — the number you see right before confirm is the number that applies.
08Transactions, Payments, and Settlement
You authorize requested transactions. Blockchain transfers are generally irreversible, and you are responsible for recipient details, wallet compatibility, bank information, amount, and network selection. Settlement times depend on banking networks, blockchain confirmations, and providers. We may delay, block, or reverse activity for legal, compliance, fraud, or risk reasons.
- Transfers to a contact on the platform, and between your own accounts, are instant — they never leave Fuzopay’s ledger.
- External bank transfers move at network speed: ACH typically 1–2 business days, domestic wire typically same business day, international SWIFT typically 1–3 business days.
- Crypto Deposits and Conversions settle based on blockchain confirmation times Fuzopay does not control.
- Transfer shows a fraud warning before a first-time send to a new contact because, once sent, a Transfer generally cannot be recalled.
09Digital Assets and Risk Disclosure
Stablecoins and other digital assets involve the following risks:
- Price volatility
- De-pegging (a stablecoin losing its intended 1:1 value)
- Regulatory risk
- Underlying technology risk
- Smart-contract risk
- Bridge risk
- Custody risk
- Irreversibility of transactions
Digital assets are not legal tender or bank deposits and are not insured by the FDIC, SIPC, or another government scheme. You may lose value. This section is the risk disclosure for supported digital assets.
This covers every crypto asset supported for Deposit, Conversion, Flexible Earn, and Staking — including Bitcoin, Ethereum, and USDT. “Up to 9%” and “up to 12%” APY figures are published rates that can change, not guaranteed or insured returns. Calculator projections are estimates.
10User Obligations and Acceptable Use
Do not use the Services for:
- Unlawful activity
- Fraud
- Money laundering
- Sanctions evasion
- Tax evasion
- Illegal gambling
- Trafficking
- Prohibited goods
Do not:
- Act for an undisclosed third party
- Use another person’s identity
- Bypass security
- Introduce malware
- Scrape or automate outside documented APIs
- Disrupt the platform
- Reverse engineer the Services
- Resell the Services without permission
- Exploit the Services without permission
These clauses sit behind Transfer’s verified-name confirmation before a first send to a new contact, and behind Refer & Earn: rewards require a real, distinct, verified user — not a duplicate or fabricated account.
Fuzopay and its licensors own the Services, software, content, trademarks, and related materials. We grant a limited, revocable, non-exclusive, non-transferable license for intended personal or internal business use. All other rights are reserved.
This covers the Fuzopay name and logo, the app and website, and every feature within it. Your license is to use these as a customer, not to copy, rebrand, or resell any part of the platform.
Use of the Services is governed by thePrivacy Policy. It explains how Fuzopay and service providers collect, use, retain, and share personal information, including for KYC, AML, security, and legal compliance. Applicable GDPR, CCPA, LGPD, and other rights are addressed for supported jurisdictions in that Policy.
KYC documents, Global Bank Account details, transaction and Staking history, and wallet addresses are governed by the Privacy Policy, not restated separately here.
13Suspension and Termination
You may close your account after pending obligations are completed. We may suspend or terminate access for a breach, legal or compliance risk, suspected fraud, provider requirement, or law. Where lawful, eligible assets remain withdrawable subject to verification, fees, retention rules, and legal holds. Clauses intended to survive termination remain effective.
“Pending obligations” includes an active Staking term that has not reached maturity, a Flexible Earn balance (no lockup; can be withdrawn immediately), and any pending Transfer that has not yet settled.
14Disclaimers of Warranties
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT EXPRESS, IMPLIED, OR STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. We do not promise uninterrupted, error-free, or fully secure operation. Mandatory consumer rights continue to apply.
This applies across every product. None of them come with a guarantee of uninterrupted availability. Security & KYC describes the safeguards that are in place.
15Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, Fuzopay, affiliates, and providers are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or loss of profit, revenue, data, goodwill, or digital assets. Aggregate liability is limited to the greater of fees paid in the previous six months or USD 100, except where a higher amount is required by mandatory law.
Many Fuzopay actions (Transfers between contacts, Flexible Earn, Staking) carry $0 direct fees, so this cap may resolve to the $100 floor for many users. Mandatory consumer law can still require a different result.
You agree to indemnify and hold harmless Fuzopay, its affiliates, officers, employees, and providers against claims, losses, liabilities, and reasonable legal costs arising from your use, breach of these Terms, violation of law, or infringement of third-party rights.
This covers misuse such as fabricating Refer & Earn referrals or using another person’s identity on Transfer.
17Governing Law and Dispute Resolution
These Terms are governed by applicable law. Mandatory consumer-protection rights and local remedies continue to apply and may override this clause. Where a specific forum or arbitration process is designated for your jurisdiction, that designation will be stated here or in a notice provided to you. Until then, disputes may be brought in a court of competent jurisdiction, subject to those mandatory rights.
As Global Bank Accounts expand across countries, this clause is read together with mandatory consumer law in each supported jurisdiction — a single forum that works for one country may not apply the same way in another.
We may revise these Terms and publish a new effective date. Material changes may be communicated in-app or by email. Continued use after the updated Terms take effect means acceptance; otherwise, stop using the Services and close your account.
Published rate changes — a Staking or Flexible Earn APY, a VIP tier threshold, or a Refer & Earn reward — are communicated the same way as a material Terms change when those figures are referenced here (Sections 06 and 07).
These Terms and referenced policies form the entire agreement. If a clause is unenforceable, the remainder continues. A failure to enforce is not a waiver. Assignment, force majeure, notice, contact, and governing-language rules apply as stated in these Terms and any required notice. Notices:support@fuzopay.com,+1 (954) 862-1400, 12555 Orange Dr, Davie, FL 33330 USA.
“Referenced policies” includes the Privacy Policy and the risk disclosure in Section 09 — together they form the complete agreement covering your account.
