Terms of Use

1.Acceptance of terms

By connecting a wallet, registering an account, or accessing app.mardipay.in or mardipay.in, you agree to these Terms of Use and our Privacy Policy. If you do not agree, do not use the platform. Continued use after any modification constitutes acceptance of the updated terms.

2.Description of services

MardiPay provides a non-custodial software interface for interacting with the Solana blockchain. Users may:

• Create and manage self-custodial smart wallets secured via passkeys and cryptographic keypairs.
• Send, request, and settle instant peer-to-peer dollar and token transfers.
• Execute decentralized token swaps and limit orders routed through Jupiter protocol liquidity.
• Interact with third-party decentralized yield vaults (such as Kamino Finance and Jupiter Lend) to earn on-chain yields.
• Calculate, organize, and track shared peer expenses.

We do not provide investment advice, brokerage services, or discretionary asset management.

3.Non-custodial architecture & self-custody

MardiPay is non-custodial software. You retain sole and exclusive ownership of your cryptographic keys and digital assets at all times:

• MardiPay does not store, possess, or access your private keys, recovery phrases, or passkey credentials.
• We cannot freeze, seize, access, or recover your digital assets under any circumstance.
• You are solely responsible for securing your personal device, browser environment, and phone verification credentials.
• Because we lack custodial access, MardiPay cannot reverse transactions, reset authorization credentials, or recover lost funds.

4.Blockchain transactions & finality

All token transfers, decentralized swaps, and vault interactions initiated through MardiPay execute directly on the Solana blockchain:

• Once a transaction is confirmed by Solana network validators, it is permanent, immutable, and irreversible.
• You are solely responsible for verifying the accuracy of recipient handles, phone identifiers, public keys, token quantities, and slippage tolerances before signing.
• Standard network priority fees are determined algorithmically by the decentralized Solana network, not MardiPay.

5.Third-party vaults & protocols

Certain features of MardiPay interact with autonomous third-party protocols (e.g. Jupiter, Kamino, and Perena):

• All yield vaults and liquidity routing pools are deployed and maintained by independent third-party developers. MardiPay does not develop, control, or custody these contracts.
• Quoted APYs, reward multipliers, and borrowing rates are variable and fluctuate in real time according to protocol utilization and liquidity dynamics.
• MardiPay does not guarantee the solvency, profitability, or software security of any third-party decentralized application.

6.Eligibility & user representations

By using MardiPay, you represent and warrant that:

• You are at least 18 years of age or the age of legal majority in your jurisdiction.
• You possess the legal capacity to enter into binding agreements.
• You are not a citizen, resident, or entity located in a sanctioned territory or listed on any governmental sanctions lists (including OFAC).
• You will not use the platform for unlawful activities, including money laundering, terrorist financing, illicit trade, or sanctions evasion.

7.Acceptable use

You agree not to:

• Violate any applicable local, federal, or international law or financial regulation.
• Interfere with, disrupt, or compromise the integrity or security of MardiPay infrastructure, APIs, or smart contracts.
• Attempt to bypass rate limits, employ malicious bots, or scrape unauthorized endpoints.
• Impersonate individuals, organizations, or official merchant identifiers.

8.Disclaimers & limitation of liability

MardiPay is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express, implied, or statutory:

• Cryptographic digital assets and decentralized protocols carry inherent risks, including technical vulnerabilities, market volatility, and protocol downtime.
• To the maximum extent permitted by law, MardiPay, Inc. and its contributors disclaim liability for any direct, indirect, incidental, or consequential damages resulting from lost funds, software bugs, blockchain outages, or third-party protocol exploits.

9.Modifications to terms

We may revise these Terms of Use at our discretion. Any modifications will be posted directly to this page with an updated revision date. Continued use of MardiPay following any update constitutes acceptance of the amended terms.

10.Contact & inquiries

For questions regarding these Terms of Use, please contact us at contact@mardipay.in.