Terms and Conditions of Service

These Terms and Conditions form a binding agreement between the person using an Orvexa-powered service (the “Customer”, “you”) and Orvexa LLC (“Orvexa”, “we”, “us”). They apply whenever you use an Orvexa website, hosted payment page, checkout module, API-enabled interface, merchant integration or other channel through which Orvexa makes its services available.

Orvexa LLC is a Georgian limited liability company, identification number 412800394, with registered office at 88 Avtomshenebeli Street, Kutaisi 4600, Georgia.

By submitting a transaction, clicking an acceptance control, or otherwise using the Services, you confirm that you have read and accepted these Terms. If you do not agree, you must not use the Services.

1. How these Terms work

These Terms govern the relationship between you and Orvexa only. A Merchant, bank, card issuer, payment institution, third-party digital-asset provider, blockchain network, self-hosted wallet software provider or other external participant may have its own contract and policies with you. Those separate terms remain applicable where relevant.

The Data Protection and Privacy Notice and the Financial Crime Prevention and Customer Verification Standard form part of the contractual framework for the Services. Operational notices, transaction screens and fee disclosures shown before confirmation also form part of the transaction-specific terms.

If a mandatory consumer-protection rule applicable to you cannot lawfully be excluded or restricted, that rule prevails over any conflicting provision of these Terms to the extent required by law.

2. Key concepts

“Merchant” means a business or organisation that uses an Orvexa integration to accept a payment or otherwise receive value from a Customer.

“Payment Partner” means a bank, payment institution, card acquirer, e-money institution or other financial institution involved in receiving, transmitting or settling fiat currency.

“Digital-Asset Provider” means an independent third party that may support conversion, transfer, blockchain or other digital-asset functionality used within a payment flow.

“Platform” means the technical environment through which Orvexa makes the Services available, including hosted pages, widgets, APIs and merchant-facing integrations.

“Services” means payment facilitation and related technical or transactional functionality made available by Orvexa from time to time. Where a payment flow references a digital asset, the relevant functionality is structured around a Customer-controlled self-hosted wallet and technical routing within the payment flow.

“Transaction” means a payment or related instruction submitted through the Platform. A Transaction may, where expressly supported, include information required for a digital-asset component of the payment flow involving a self-hosted wallet controlled by the Customer.

3. What Orvexa does

Orvexa provides payment-facilitation infrastructure connecting Customers, Merchants and external service providers. Depending on the transaction flow, Orvexa may facilitate receipt of fiat funds, transmit payment-related data, coordinate settlement through third-party payment rails and support non-custodial digital-asset functionality linked to a Customer-controlled self-hosted wallet.

Orvexa is not the seller of a Merchant's goods or services and does not take responsibility for the Merchant's performance of the underlying sale. Questions about product quality, delivery, cancellation of a purchase, warranties or a Merchant refund decision must normally be taken up with the Merchant.

The exact transaction flow can differ by payment method, jurisdiction and Merchant arrangement. The information shown at checkout or before final confirmation determines the specific amount, currency, applicable fee and destination. If a supported flow includes a digital asset, the interface may also display the asset, indicative conversion terms, network and Customer-provided self-hosted wallet address supplied for the relevant third-party service.

Orvexa does not provide a general-purpose customer bank account, deposit account, interest-bearing balance or investment account. Any supported digital-asset functionality is non-custodial: the Customer retains control of the self-hosted wallet, private keys and seed phrase, and Orvexa does not hold or control those credentials.

4. Eligibility and access

You may use the Services only if you are at least 18 years old, have full legal capacity, are not prohibited from using the Services under applicable law, and can lawfully make the relevant Transaction in the jurisdiction from which you are acting.

If you act for a company or another person, you represent that you have authority to bind that person and to use the relevant funds, payment instruments or self-hosted wallet details on its behalf.

Orvexa may limit availability by country, payment method, transaction type, customer category or Merchant. Access shown in a technical interface does not itself mean that the Service is legally available to you.

The prohibited jurisdictions list is as follows: Afghanistan, American Samoa, Bahamas, Barbados, Belarus, Bosnia and Herzegovina, Botswana, Burundi, Cambodia, Central African Republic, China, Cuba, Democratic Republic of Congo, Egypt, Ethiopia, Gaza Strip, Ghana, Guam, Guinea-Bissau, Guyana, Iran, Iraq, Jamaica, Japan, Lao People's Democratic Republic (Laos), Lebanon, Libya, Mali, Mauritius, Myanmar (Burma), Nicaragua, Nigeria, North Korea (Democratic People’s Republic of Korea), Pakistan, Panama, Puerto Rico, Russian Federation, Samoa, Serbia, Singapore, Somalia, South Sudan, Sri Lanka, Sudan, Syria, The Northern Mariana Islands, Trinidad & Tobago, Tunisia, U.S. Virgin Islands, Uganda, United Kingdom, United States of America, Vanuatu, Venezuela, West Bank (Palestinian Territory, Occupied), Yemen, and Zimbabwe.

5. Your transaction instructions

You are responsible for checking the information shown before confirmation, including the Merchant, amount, currency and fees. If the payment flow involves a digital asset provided by an independent third party, you must also check the asset, network, destination self-hosted wallet address and any third-party conversion information displayed.

Once you confirm a Transaction, you authorise Orvexa and the relevant external providers to take the steps reasonably required to process and settle the payment. For card or bank payments, this may include requesting authorisation from your Payment Partner. Where an independent Digital-Asset Provider is used, your submitted wallet and transaction details may be passed to that provider so it can perform its separate service.

A Transaction is not guaranteed merely because an instruction has been submitted. Processing may depend on successful funding, screening, authentication and other operational conditions. If an independent Digital-Asset Provider is involved, its availability, pricing and blockchain conditions may also affect completion.

You must not submit duplicate instructions if a transaction remains pending. Where status is unclear, contact the Merchant or the support channel displayed in the relevant Orvexa interface before trying again.

6. Payment facilitation

Where Orvexa facilitates a payment to a Merchant, you authorise the participating Payment Partner to debit or otherwise collect the amount you approved and you authorise Orvexa to arrange onward settlement in accordance with the Merchant flow.

Orvexa does not control a bank's, card scheme's or payment institution's internal processing time. Authorisation, clearing, chargeback and reversal processes may therefore continue after Orvexa has completed its own part of the transaction flow.

A payment confirmation shown by a Merchant may be based on an authorisation or processing message. If the funding leg is later rejected, reversed or charged back, the Merchant may reverse the corresponding credit, order status or customer balance.

7. Non-custodial digital-asset payment functionality

Certain payment flows may display information such as an indicative conversion amount or expected digital-asset output. Such information may be time-limited and can change before confirmation. The final amount may depend on market conditions, network conditions and the external providers participating in the payment flow.

Digital assets can be volatile and may lose value rapidly. Orvexa does not provide investment advice, recommend any asset, promise any future price or return, or invite Customers to trade digital assets through Orvexa.

Where a supported payment flow results in an independent provider delivering a digital asset to your self-hosted wallet, you are solely responsible for supplying a correct and compatible wallet address and network. Blockchain transfers are generally irreversible, and a transfer to the wrong address or network may be impossible to recover.

Any digital-asset functionality supported within a payment flow is non-custodial. Orvexa does not take possession of a Customer's private keys or seed phrase, and the destination self-hosted wallet remains under the Customer's control. Relevant conversion, delivery or blockchain steps may involve external providers and blockchain networks.

A blockchain network used by an independent Digital-Asset Provider can become congested, experience protocol changes, forks, validator issues or other events outside Orvexa's control. Any blockchain confirmation times shown through the Platform are estimates only.

8. Customer verification and compliance

Use of the Services is subject to identity, sanctions, fraud and financial-crime controls. Initial verification may be performed by Orvexa, a Merchant, a Payment Partner or another verification provider, depending on the transaction model and applicable requirements.

Orvexa may ask you for identity documents, address evidence, information about the purpose of a Transaction, ownership of a payment instrument or control of a self-hosted wallet, source of funds, source of wealth, or other information reasonably required for compliance or risk management.

You must provide complete, accurate and genuine information. Orvexa may verify information using databases, service providers, public records and other lawful sources.

A Transaction may be delayed, declined, cancelled, returned, or referred for manual review if required information is not provided, if screening produces a concern, or if Orvexa or a participating provider is required to do so by law or risk controls.

9. Use of payment methods and self-hosted wallets

Unless Orvexa expressly permits otherwise, you should use only a payment instrument, bank account or self-hosted wallet that you own or are lawfully authorised to control.

You must keep passwords, one-time codes, private keys, seed phrases and other security credentials confidential. Orvexa will not ask you by email or ordinary support chat to disclose a private key, seed phrase, external banking password or complete card number.

If you suspect unauthorised use of a payment method or wallet in connection with an Orvexa Transaction, notify the relevant provider and the available Orvexa support channel without undue delay.

10. Fees, rates and third-party charges

Any Orvexa fee charged to you will be displayed before you confirm the Transaction or otherwise disclosed in the applicable transaction flow. A fee may be fixed, percentage-based, embedded in a spread, or composed of more than one component where this is made clear before confirmation.

Banks, card issuers, payment providers, independent Digital-Asset Providers, blockchain networks and other third parties may charge their own fees. Orvexa does not set or control those charges unless the interface expressly states that a third-party fee is included in the amount shown.

Where conversion is involved, the interface may show a quoted rate or an estimated output amount. By confirming, you accept the pricing information presented for that Transaction.

11. Prohibited use

You must not use the Services for criminal, fraudulent, deceptive or abusive purposes, to evade sanctions or legal restrictions, to disguise the origin or destination of funds, or to interfere with the Platform or another person's rights.

Orvexa may refuse transactions connected with activities that present unacceptable legal, financial-crime, reputational or operational risk, including illicit drugs, trafficking or exploitation, unlawful weapons, fraud schemes, stolen property, counterfeit goods, unlawful gambling, sanctions evasion, terrorist financing, money laundering, cybercrime, ransomware, child sexual abuse material, illegal trade in protected wildlife, or any other activity prohibited by applicable law.

The list above is illustrative, not exhaustive. Merchant categories that are lawful in one country may still be unsupported under Orvexa's risk framework or the rules of a Payment Partner or other participating third-party provider.

12. Restricted jurisdictions and sanctions

Orvexa may maintain a list of countries, territories or customer categories for which the Services are unavailable. The applicable list may change without a formal amendment to every individual transaction interface where changes are needed to comply with law, sanctions, partner requirements or internal risk decisions.

You must not use location masking, false documents, nominees or other methods to circumvent a geographic, sanctions or eligibility restriction.

Orvexa may screen Customers, counterparties, payment data and, where relevant to a non-custodial payment flow, self-hosted wallet addresses against sanctions and other risk databases. Service may be refused where a person, jurisdiction, wallet address or transaction presents a sanctions or financial-crime concern.

13. Transaction holds, refusals and reversals

Orvexa may place a Transaction on hold, decline it, cancel it before completion, or prevent onward settlement when reasonably necessary for compliance, fraud prevention, security, technical integrity, partner requirements or legal obligations.

A completed fiat payment may later be reversed through a card chargeback, bank recall or other external process. Where an independent Digital-Asset Provider has already completed a blockchain transfer to a self-hosted wallet, that transfer may not be technically reversible even where an underlying commercial dispute exists.

Where funds can lawfully and technically be returned after a failed or cancelled transaction, Orvexa will use reasonable efforts to return them to the original funding source or another verified destination. Timing may depend on external providers and compliance review.

14. Merchant disputes and refunds

The Merchant is responsible for its own goods, services, pricing, delivery, warranties and refund policy. Orvexa does not decide whether you are entitled to a refund for a Merchant purchase unless Orvexa is legally required to determine a payment-processing issue within its own control.

If a Merchant authorises a refund, Orvexa may assist in routing it. The amount received can differ from the original transaction amount where currency conversion, network fees or other third-party charges apply and the applicable law permits those differences.

Nothing in this section removes any chargeback or statutory consumer right that cannot lawfully be waived.

15. Platform security and acceptable technical use

You must not probe, scan, scrape, reverse engineer, overload, disrupt, circumvent access controls, introduce malicious code, or attempt unauthorised access to the Platform or connected systems.

Automated access is permitted only through interfaces and credentials expressly provided for that purpose. Orvexa may block traffic, devices, addresses or credentials that reasonably appear to threaten security or service integrity.

16. Intellectual property

The Platform, software, interface design, text, databases, branding and other materials made available by Orvexa are owned by Orvexa or its licensors and are protected by applicable intellectual-property laws.

Your use of the Services gives you a limited, non-exclusive, non-transferable right to access the Platform for its intended purpose. It does not transfer ownership of any software, trade mark, content or other intellectual property to you.

You may not reproduce, commercially exploit, republish or create derivative works from Orvexa materials except where applicable law allows it, or Orvexa has given prior written permission.

17. Availability and third-party dependencies

The Services are provided on an availability basis. Orvexa does not promise uninterrupted, error-free or continuous operation. Maintenance, cyber incidents, telecommunications failures, payment-network outages, failures of participating third parties and, where relevant, blockchain congestion may interrupt or delay service.

Orvexa may modify, suspend or discontinue a feature, payment method, transaction flow or geographic offering where reasonably necessary for legal, commercial, risk or technical reasons.

Links or integrations to third-party services do not amount to an endorsement of those services. Third parties remain responsible for their own systems and obligations.

18. No advice and customer responsibility

Orvexa provides payment-facilitation services, not investment, legal, tax, brokerage, trading or portfolio-management services. Information about payment flows, third-party digital-asset outputs, rates, networks, processing times or compliance is provided for operational or general information only.

You remain responsible for deciding whether a Transaction is appropriate and lawful for you, for assessing a Merchant and any self-hosted wallet destination you provide, and for obtaining professional advice where needed.

You are also responsible for any tax reporting or payment obligation arising from your Transactions, except where Orvexa is specifically required by law to collect or remit a tax.

19. Warranties and liability

To the maximum extent permitted by applicable law, the Platform and Services are provided without implied warranties of uninterrupted availability, merchantability, fitness for a particular purpose or freedom from every defect.

Orvexa is responsible for loss caused by its own breach to the extent liability cannot lawfully be excluded. Orvexa is not responsible for losses caused by a Merchant, Payment Partner, independent Digital-Asset Provider, blockchain network, your device or internet connection, incorrect information supplied by you, unauthorised use resulting from your failure to protect credentials, third-party pricing or market movements, or events outside Orvexa's reasonable control.

To the maximum extent permitted by law, Orvexa will not be liable for indirect, consequential, punitive or special loss, or for loss of profit, business opportunity, anticipated savings or data, arising from use of the Services.

Nothing in these Terms excludes liability that cannot legally be excluded, including liability for fraud or intentional misconduct where applicable law so provides.

20. Indemnity

To the extent permitted by law, you agree to reimburse Orvexa for reasonable losses, liabilities and external costs arising from your unlawful use of the Services, fraud, deliberate breach of these Terms, infringement of third-party rights, or material false information supplied by you. This provision does not apply to losses caused by Orvexa's own wrongful conduct.

21. Suspension and ending the relationship

You may stop using the Services at any time. Obligations connected with Transactions already submitted remain effective until those Transactions and any related dispute, return, chargeback or compliance requirement are resolved.

Orvexa may suspend or terminate access to a Service where there is a breach of these Terms, security concern, suspected illegal activity, sanctions concern, unpaid amount, excessive chargeback or fraud risk, legal requirement, or operational reason making continued service impracticable.

Where advance notice would compromise a legal requirement, investigation, fraud control or security measure, Orvexa may act without prior notice.

22. Data and confidentiality

Personal data is handled in accordance with the Data Protection and Privacy Notice. Transaction information may be shared with Merchants, Payment Partners, independent Digital-Asset Providers, verification providers and authorities to the extent necessary for payment processing, risk management, compliance and legal obligations.

You should not send highly sensitive credentials such as private keys, seed phrases, external banking passwords or full card details through ordinary support communications.

23. Changes to these Terms

Orvexa may update these Terms to reflect new services, legal or regulatory changes, partner requirements, security improvements or business changes. The updated version will show a new effective date and will be made available through an Orvexa website or interface.

Changes apply prospectively unless a different approach is required by law. Your continued use of the Services after the updated Terms become effective constitutes acceptance of the revised version.

24. Notices and communications

Orvexa may provide notices electronically, including through a hosted transaction page, merchant integration, email address supplied during a transaction, website notice or other electronic channel reasonably connected with the Services.

English is the governing language of these Terms unless mandatory law requires otherwise. A translation may be provided for convenience; where legally permitted, the English text prevails in case of inconsistency.

25. Governing law and disputes

These Terms and any non-contractual obligation arising from them are governed by the laws of Georgia, without prejudice to mandatory consumer protections that apply regardless of contractual choice of law.

The parties should first attempt to resolve a dispute through reasonable written correspondence. If the matter is not resolved amicably, the dispute may be brought before the competent courts of Georgia, subject to any mandatory jurisdiction rights available to a consumer under applicable law.

Orvexa may seek urgent injunctive or protective relief in another competent jurisdiction where reasonably necessary to prevent fraud, cyberattack, misuse of intellectual property or dissipation of assets.

26. General provisions

If part of these Terms is held invalid or unenforceable, the remaining provisions continue in effect. The invalid provision will be applied to the maximum lawful extent consistent with its purpose.

A delay or failure by Orvexa to enforce a right is not a waiver of that right. You may not assign your rights or obligations under these Terms without Orvexa's prior written consent, except where mandatory law permits otherwise. Orvexa may assign or transfer its rights and obligations as part of a restructuring, merger, business transfer or similar transaction, subject to applicable law.

These Terms, together with the policies and transaction-specific disclosures incorporated into them, constitute the agreement between you and Orvexa concerning the Services covered by them.