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Terms & Conditions

Last updated: October 20, 2026

These Terms & Conditions ("Terms") are an agreement between you and Voltipay LLC, a Wyoming limited liability company ("Voltipay", "we", "us"). They apply to the Voltipay website at voltipay.io and the Voltipay app (together, the "Service"). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you don't agree, please don't use the Service.

1. What Voltipay is (and isn't)

Voltipay is a software service that lets you hold a dollar balance, send money to other Voltipay users, receive money (including through gift links), add money and cash out through third-party payment partners, and earn rewards from partner tasks.

Voltipay is not a bank. Your balance is not a bank deposit, is not insured by the FDIC or any other government agency, and does not earn interest. Adding money and cashing out are provided by independent payment partners, not by Voltipay.

2. How your balance is held

When you sign up, a personal digital wallet is created for your account through our wallet provider, Privy. Your balance is held in that wallet as USDC, a dollar-backed digital currency (stablecoin) issued by Circle, on the Polygon network. The app shows one USDC as one US dollar.

  • Your wallet is self-custodial: it's controlled through your own sign-in, not by Voltipay. Voltipay cannot move money out of your wallet without your sign-in.
  • USDC is issued by a third party. Its value is designed to stay at $1, but that isn't guaranteed by Voltipay, and its availability depends on its issuer and the Polygon network.
  • Transactions are recorded on a public network. Wallet addresses and transfer amounts are publicly visible there, though they aren't linked to your name by the network itself.
  • Keep access to your sign-in email or phone number. If you lose access to it, you may lose access to your balance, and Voltipay may not be able to recover it.

3. Who can use Voltipay

  • You must be at least 18 years old and able to enter into a binding contract.
  • You may only open one account, for yourself, and the information you give us must be true and up to date.
  • You may not use Voltipay if you are located in, or a resident of, a country or region subject to comprehensive U.S. sanctions, or if you are on any U.S. or other applicable sanctions list.
  • Some features, payment methods and partners are only available in certain countries and U.S. states.

4. Your account and security

You sign in with a one-time code sent to your email or phone. You're responsible for keeping your email account, phone and devices secure and for all activity on your account. Voltipay will never ask you for your sign-in code. Tell us right away at support@voltipay.io if you think your account has been accessed without your permission.

5. Sending and receiving money

  • You can send money to another Voltipay user using their Wallet ID. Check the recipient carefully before you confirm.
  • Payments are final. Once a transfer is confirmed it usually completes within seconds and cannot be cancelled or reversed by Voltipay. If you sent money to the wrong person, you'll need to ask them to send it back.
  • Voltipay doesn't charge a fee to send money between Voltipay accounts, and we currently cover the network fees for these transfers. We'll tell you before this changes.
  • We may set limits on how much you can send and may delay, block or refuse a transfer we believe is unauthorized, fraudulent or unlawful.

6. Adding money and cashing out

Adding money (by card, Apple Pay, Google Pay or bank) and cashing out (to a bank account or card) are provided by independent payment partners, connected through Meld. Partners include, for example, Transak, MoonPay, Banxa and Mercuryo, and may change over time.

  • When you use a partner you enter into a separate agreement with that partner, and their terms and privacy policy apply.
  • Partners verify your identity (KYC) and may ask for your name, date of birth, address, ID documents or a selfie. Voltipay doesn't make these decisions.
  • Partners charge their own fees and set their own exchange rates and limits. You'll see the partner's quote before you continue; the amount you receive may differ slightly from the amount you pay.
  • Processing times, refunds, chargebacks and disputes for these payments are handled by the partner. We'll help where we can.
  • For cash outs, money is sent from your wallet to the partner, who then pays you out. Once sent to the partner, it can't be reversed by Voltipay.

7. Gift links

You can create a gift link that lets others send you money. Anyone with the link can see your display name, Wallet ID and the note you add. People paying through your link give us their email address, which we show to you along with their message. You can turn a link off at any time. Gift payments by card are processed by our payment partners under section 6; gift payments from a Voltipay balance are transfers under section 5. Gifts are final once completed.

8. Earn rewards

Earn tasks are offered by third-party partners. Rewards are paid only after the partner confirms you completed the task according to its rules, and we may refuse or reverse rewards obtained through fraud, multiple accounts, automation or abuse. Task availability and reward amounts can change or end at any time. Rewards may be taxable; you're responsible for any taxes that apply to you.

9. Things you may not do

  • Use Voltipay for anything illegal, including fraud, money laundering, terrorist financing, sanctions evasion, or illegal gambling or goods.
  • Use someone else's account, payment method or identity, or open accounts for others.
  • Use Voltipay to scam, harass or deceive people, including through gift links.
  • Interfere with the Service, try to access systems or data you're not allowed to, or use bots or scripts to abuse features or rewards.
  • Resell or commercially redistribute the Service without our written permission.

We may suspend or close your account, limit features, or report activity to the authorities if we reasonably believe you've broken these Terms or the law. Because your wallet is self-custodial, closing your Voltipay account doesn't take away your balance; contact us and we'll explain how to move it.

10. Fees

Voltipay currently doesn't charge fees for holding a balance or sending money between Voltipay users. Payment partners charge fees for adding money and cashing out, which you'll see before you pay. If we introduce Voltipay fees in the future, we'll tell you in advance.

11. Taxes

You're responsible for reporting and paying any taxes that apply to your use of the Service, including on rewards.

12. Third-party services

The Service relies on third parties, including Privy (sign-in and wallets), Meld and its payment partners (adding money and cashing out), Circle (USDC), the Polygon network, and our hosting and database providers. We aren't responsible for their services, outages or decisions, though we choose them carefully.

13. Disclaimers

The Service is provided "as is" and "as available". To the fullest extent allowed by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We don't guarantee that the Service will be uninterrupted, error-free or always available, or that any partner will accept your payment.

14. Limitation of liability

To the fullest extent allowed by law, Voltipay and its owners, employees and partners won't be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, data or goodwill. Our total liability for any claim relating to the Service is limited to the greater of $100 or the fees you paid Voltipay in the 12 months before the claim. Some places don't allow these limits, so they may not fully apply to you.

15. Indemnity

You agree to cover any claims, losses and costs (including reasonable legal fees) that arise from your misuse of the Service or your breach of these Terms or the law.

16. Disputes and governing law

These Terms are governed by the laws of the State of Wyoming, USA, without regard to its conflict-of-law rules. Please contact us first at support@voltipay.io so we can try to resolve any issue informally. If we can't resolve it within 30 days, either of us may bring a claim in the state or federal courts located in Wyoming, and you and we consent to their jurisdiction. You may also bring an individual claim in small claims court where you live, if it qualifies.

17. Changes to these Terms

We may update these Terms from time to time. We'll post the new version here with a new "Last updated" date, and for important changes we'll notify you in the app or by email. Continuing to use the Service after a change means you accept it.

18. Contact

Voltipay LLC
30 N Gould St, STE R, Sheridan, WY 82801, USA
support@voltipay.io