Legal & disclosures
The legal framework behind paype.cc — all agreements, policies, disclosures, and regulatory notices. paype.cc operates as a Money Services Business under CCA.SH's FinCEN registration.
Core Agreements
Terms of Service
The binding agreement that governs your use of paype.cc — eligibility, account rules, payments, cards, crypto, AI services, prohibited activities, liability, and dispute resolution.
v1.0-draft-1 · 2026-06-09Privacy Policy
How paype.cc collects, uses, stores, and shares your personal data. Covers your rights, data retention, international transfers, and AI data processing.
v1.0-draft-1 · 2026-06-09Sailor Beware — Risk Disclosure
Plain-language risk disclosure: no FDIC insurance, crypto risks, digital asset injection rules, technology risks, AI risks, quantum risks, and operational risks.
v1.0-draft-1 · 2026-06-09Compliance — Legal Structure
Entity structure, FinCEN MSB registration, AML/KYC program overview, jurisdiction statement, and regulatory posture.
v1.0-draft-1 · 2026-06-09Card & Payment Terms
Cardholder Terms
Terms governing your paype.cc virtual and physical cards — Apple Pay, Google Pay, spending limits, security, lost/stolen cards, and fees.
v1.0-draft-1 · 2026-06-09Acceptable Use Policy
What you can and cannot do with paype.cc — prohibited businesses, restricted activities, crypto rules, and consequences of violations.
v1.0-draft-1 · 2026-06-09Sub-Account Terms
Terms for sub-accounts — primary account holder responsibilities, user access, privacy, card issuance, and termination.
v1.0-draft-1 · 2026-06-09Referral Program Terms
Terms for the Paype referral program — commission structure, payouts, tax obligations, prohibited activities, and clawback.
v1.0-draft-1 · 2026-06-09Custom Services Terms
Terms for VIP OTC trading, Smart Contract Integration, Digital Securities Processing, Recurring Payments, and Auto-Top-Up.
v1.0-draft-1 · 2026-06-09API & Developer Terms
Terms governing use of the Paype REST API, MCP Server, and Telegram Bot — access, rate limits, and prohibited uses.
v1.0-draft-1 · 2026-06-09Data & Privacy
Cookie Policy
How paype.cc uses cookies — essential, functional, and analytics. Your choices and how to control them.
v1.0-draft-1 · 2026-06-09Data Processing Agreement
For business account holders — governs Paype's processing of end-customer personal data, sub-processors, security, audit rights.
v1.0-draft-1 · 2026-06-09Regulatory Notices
E-SIGN Consent
Your consent to receive all communications electronically — required by the federal E-SIGN Act for digital-only financial services.
v1.0-draft-1 · 2026-06-09Customer Identification Notice
Notice required by the USA PATRIOT Act — why we collect identity information and how it is used to fight financial crime.
v1.0-draft-1 · 2026-06-09Error Resolution Notice
Your rights when you find an error in your account — how to report, time limits, investigation process, and your remedies.
v1.0-draft-1 · 2026-06-09Funds Availability Policy
When deposited funds become available — deposit and withdrawal timelines by rail, compliance holds, and new account policies.
v1.0-draft-1 · 2026-06-09Full Document Suite
The complete Paype legal documentation suite — including all internal policies, procedures, and compliance frameworks — is maintained in the paype_legal repository. Contact hello@paype.cc for access to specific policy documents not published here.
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