Terms of Use — FundixPay
Please read these Terms of Use (“Terms”) carefully before using FundixPay services.
These Terms constitute a legally binding agreement between you (“User”) and FundixPay (“we”, “our”, “the Platform”).
By using FundixPay, you agree to these Terms without reservation.
FundixPay is not a bank and does not provide regulated payment or custody services. It is a web interface that allows:
1) Depositing crypto assets into a Funding Account (deposit wallet),
2) Obtaining a Credit Account (virtual credit displayed in USD/USDT) for internal balance usage.
FundixPay does not provide financial, tax, or legal advice. Please consult independent advisors.
1. Purpose and Scope
1.1 These Terms govern the use of all services provided by FundixPay via its official website.
1.2 Services include, but are not limited to:
- Funding Account: Receiving and holding deposits in crypto assets (BTC, ETH, SOL, USDT, USDC).
- Credit Account: Generating a virtual balance displayed in USD/USDT, up to a predefined multiplier (e.g., ×10) of the deposit. This credit is fictitious and does not represent real funds.
1.3 These Terms apply to all users, whether or not they have deposited funds.
2. Account Creation
2.1 Opening a FundixPay account requires:
- Being at least 18 years old,
- Providing accurate and truthful information during registration,
- Fully accepting these Terms.
2.2 FundixPay reserves the right to refuse or close any account at its sole discretion, especially in case of suspected fraud, money laundering, or misuse.
2.3 You are responsible for maintaining the confidentiality of your credentials and any activity under your account.
3. Services Provided
3.1 Funding Account
- Allows deposits of accepted cryptocurrencies by FundixPay.
- Deposits are stored in wallets controlled by FundixPay.
- Network fees (gas fees, blockchain fees) may apply and are the sole responsibility of the User.
3.2 Credit Account
- Upon a deposit, FundixPay virtually credits the user (e.g., 100 USDT → 1,000 virtual USDT).
- This credit is not a real loan and cannot be withdrawn or transferred externally.
- The Credit Account balance is intended for use only within the FundixPay ecosystem.
3.3 Limitations
- Services are provided “as is” without guarantee of continuous availability.
- FundixPay may suspend or modify any service at any time.
4. Fees and Commissions
4.1 Commissions may apply to certain operations (deposits, internal conversions, account management). They can be updated at any time on the official site.
4.2 Blockchain fees (gas fees) for deposits are fully borne by the User.
4.3 No refunds are provided in case of termination, suspension, or value loss.
| Operation Type | Details | Fees |
|---|---|---|
| Deposit to Funding Account | FundixPay processing fees (excluding gas fees) | 0.5% |
| Gas fees (blockchain) | Variable network fees depending on crypto | User’s responsibility |
| Internal conversion (Funding → Credit) | Generation of virtual credits (×10) | Free |
| Credit Account Management | Monthly management fees (if active virtual balance) | 1% of displayed balance |
| Inactive Account | No login for over 6 months | 10 USDT / month |
| Account Closure | User request | Free |
Fees are expressed in USDT (or equivalent). FundixPay reserves the right to modify these fees at any time.
5. User Obligations
By using FundixPay, you agree to:
- Provide accurate and up-to-date information,
- Not use the service for illegal activities (money laundering, fraud, terrorism financing, etc.),
- Not attempt unauthorized access to FundixPay systems,
- Comply with the laws in your country.
6. Limitations of Liability
6.1 FundixPay is not responsible for:
- The volatility of cryptocurrencies,
- The loss of value of your deposits,
- Service interruptions, bugs, cyberattacks, or technical failures,
- Indirect losses (loss of profits, opportunities, etc.).
6.2 FundixPay is not a credit institution, and your deposits are not covered by any banking guarantee.
7. Personal Data
7.1 FundixPay collects and processes your personal data in compliance with the GDPR (General Data Protection Regulation).
7.2 This data is used solely for account management and service security.
8. Suspension and Termination
8.1 FundixPay may suspend or terminate any account in case of:
- Violation of these Terms,
- Suspicion of fraudulent activity,
- Legal or regulatory obligations.
8.2 Users may close their account at any time, without refund of fees already incurred.
9. Modifications to the Terms
FundixPay may modify these Terms at any time. New versions will be published on the website and take effect immediately. By continuing to use FundixPay, you accept these changes.
10. Governing Law and Dispute Resolution
10.1 In case of a dispute, both parties agree to seek an amicable solution before any legal action.