Terms of Service
Key Terms at a Glance
You retain sole ownership of your assets. MardiPay cannot freeze or seize your funds.
All Solana transfers are final and irreversible once confirmed on-chain.
Standard network fees are determined by the decentralized Solana network.
These Terms of Service ("Terms") constitute a legally binding agreement between you and MardiPay, Inc. ("MardiPay", "we", "our"). By accessing, browsing, or using our smart wallet application, website, or APIs, you agree that you have read, understood, and agree to be bound by these Terms.
Eligibility & Account Registration
To use MardiPay, you represent and warrant that:
- You are at least 18 years of age or the legal age of majority in your jurisdiction.
- You have the full power and legal authority to enter into this agreement.
- You are not subject to sanctions, embargoes, or trade restrictions imposed by any competent government authority.
- You will provide accurate, valid phone verification when setting up your profile identifier.
Non-Custodial Wallet Architecture
MardiPay is non-custodial software. We do not operate as a bank, financial custodian, broker-dealer, or money transmitter.
Your Self-Custody Responsibilities
You have sole and exclusive possession of the credentials that authorize transactions on your smart wallet. MardiPay does not possess your private keys and cannot recover access, reset passwords, or reverse transactions on your behalf.
Blockchain Transactions & Irreversibility
All token transfers, liquid staking actions, and payments executed through MardiPay are processed directly on the Solana blockchain.
Absolute Finality
Once a transaction has been confirmed by Solana validators, it cannot be edited, refunded, or canceled.
Recipient Verification
You are solely responsible for verifying the accuracy of recipient phone numbers, handles, and wallet public keys before executing any transfer.
Acceptable Use Policy
You agree not to use MardiPay to:
- Violate any local, national, or international laws or financial regulations.
- Facilitate money laundering, illegal gambling, fraud, terrorist financing, or sanctions evasion.
- Attempt to bypass rate limits, reverse-engineer smart contracts, or interfere with platform servers.
- Impersonate individuals or organizations using misleading usernames or display names.
Split Expenses & Social Tracking
MardiPay includes features to calculate and log split expenses among peer contacts. These tools provide computational assistance and voluntary notifications only. MardiPay is not an escrow agent, collection service, or guarantor for peer debts.
Limitation of Liability & Disclaimers
MardiPay is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind. To the fullest extent permissible by applicable law:
- MardiPay shall not be liable for any indirect, punitive, or consequential damages resulting from lost funds or missed market opportunities.
- We are not liable for losses caused by blockchain congestion, validator halts, smart contract vulnerabilities, or network hard forks.
- You acknowledge the inherent volatility and technical risks associated with digital assets and cryptographic networks.
Modifications to Terms
We reserve the right to revise these Terms at our discretion. Any modifications will be effective immediately upon posting to this page. Continued usage of MardiPay following any revisions indicates your acceptance of the amended Terms.
Legal Inquiries
For legal notices or compliance questions, please contact our team.