Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of M2Square's payment infrastructure, websites, APIs, and related services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

If you do not agree to these Terms, do not access or use our Services. If you are using the Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Service Description

M2Square provides stablecoin-based payment infrastructure including:

• • Global settlement network for cross-border payments
• • Payment collection and payout services
• • Liquidity management solutions
• • KYC/AML compliance services
• • API access for integration

We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time with reasonable notice.

3. User Obligations

Account Registration

• • Provide accurate, complete, and current information
• • Maintain the security of your account credentials
• • Notify us immediately of any unauthorized access
• • Be responsible for all activities under your account

Acceptable Use Policy

You agree not to use the Services to:

• • Violate any laws, regulations, or third-party rights
• • Engage in fraudulent or illegal activities
• • Process payments for prohibited goods or services
• • Interfere with or disrupt the Services or servers
• • Attempt to gain unauthorized access to our systems
• • Use the Services to compete with M2Square

4. Account Terms

KYC/AML Verification

To use our Services, you must complete our KYC/AML verification process. This may include:

• • Identity verification (government-issued ID)
• • Business verification (registration documents, ownership structure)
• • Background checks and sanctions screening
• • Ongoing monitoring and periodic re-verification

Account Suspension

We may suspend or terminate your account if:

• • You violate these Terms or applicable laws
• • Your account poses a security or fraud risk
• • Required by law or regulatory authorities
• • You provide false or misleading information

5. Payment Terms

Fees and Charges

• • Transaction fees as specified in your service agreement
• • Currency conversion fees (if applicable)
• • Monthly subscription fees (for enterprise plans)
• • Additional fees for premium features or support

All fees are non-refundable unless otherwise stated. We reserve the right to change fees with 30 days' notice.

Settlement and Payouts

• • Settlement times as specified for your account type
• • Holds may be placed on funds for risk management
• • Chargebacks and refunds handled per our policies

6. Intellectual Property

The Services, including all software, designs, text, graphics, and other content, are owned by M2Square or our licensors and are protected by intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to use the Services solely for your internal business purposes. You may not:

• • Copy, modify, or distribute our software or content
• • Reverse engineer or decompile our technology
• • Remove proprietary notices or labels
• • Use our trademarks without permission

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, M2SQUARE SHALL NOT BE LIABLE FOR:

• • INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES
• • LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES
• • SERVICE INTERRUPTIONS OR DELAYS
• • ERRORS OR INACCURACIES IN TRANSACTION PROCESSING

Our total liability shall not exceed the fees paid by you in the 12 months preceding the claim.

8. Indemnification

You agree to indemnify and hold harmless M2Square, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• • Your use of the Services
• • Violation of these Terms
• • Violation of applicable laws or third-party rights
• • Your business activities or transactions

9. Dispute Resolution

Governing Law

These Terms shall be governed by the laws of [Jurisdiction], without regard to conflict of law principles.

Arbitration

Any disputes arising from these Terms or the Services shall be resolved through binding arbitration, except where prohibited by law. You waive any right to participate in class actions.

10. Termination

Either party may terminate these Terms with 30 days' written notice. Upon termination:

• • Your access to the Services will be revoked
• • Outstanding fees and charges remain due
• • We will process pending transactions in good faith
• • Certain provisions survive termination (e.g., liability, indemnification)

11. Changes to Terms

We may modify these Terms from time to time. We will provide notice of material changes via email or through the Services. Your continued use after changes constitutes acceptance of the updated Terms.

12. Miscellaneous

• • Entire Agreement: These Terms constitute the entire agreement between you and M2Square
• • Severability: If any provision is found invalid, the remaining provisions remain in effect
• • Waiver: Failure to enforce any right does not constitute a waiver
• • Assignment: You may not assign these Terms without our consent

13. Contact Information

For questions about these Terms, please contact us: