1. Acceptance of Terms

By accessing or using Pagga (“the Service”), you agree to be bound by these Terms of Service. If you do not agree, you may not use the Service.

2. Description of Service

Pagga is a financial super app that provides custodial and non-custodial wallet services, payment processing, agent-based automation, and card issuance. All services are subject to applicable laws and regulations.

3. User Responsibilities

You are responsible for maintaining the security of your account credentials. You agree to use the Service in compliance with all applicable laws and regulations. You understand that agents act on your behalf based on policies you define.

4. Know-Your-Agent (KYA) Compliance

All agents are subject to continuous KYA scoring and compliance checks. Pagga reserves the right to suspend or terminate agents that fail to meet minimum compliance thresholds.

5. Fees and Payments

Pricing plans are outlined on our website. You agree to pay all applicable fees, including subscription fees, card issuance fees, and transaction fees. Fees are subject to change with 30 days' notice.

6. Limitation of Liability

Pagga provides the Service “as is” without warranties of any kind. We are not liable for any losses resulting from use of the Service, including but not limited to agent actions, payment failures, or security breaches.

7. Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms or applicable laws.

8. Governing Law

These Terms are governed by the laws of the United States and the State of Delaware.

1. Information We Collect

We collect information you provide directly (name, email, wallet addresses), transaction data, KYA compliance scores, device information, and usage analytics.

2. How We Use Your Information

We use your information to provide and improve the Service, process payments, compute KYA scores, prevent fraud, comply with legal obligations, and communicate with you about your account.

3. Data Sharing

We do not sell your personal data. We may share data with service providers (payment processors, compliance partners), regulatory authorities when required by law, and with your consent for specific purposes.

4. Data Security

We employ industry-standard security measures including encryption, secure storage, and access controls. However, no system is 100% secure.

5. Your Rights

You have the right to access, correct, or delete your personal data. You may also object to processing or request data portability. Contact us to exercise these rights.

6. Cookies and Tracking

We use cookies and similar technologies for analytics and user experience. You can control cookies through your browser settings.

7. International Transfers

Your data may be transferred to and processed in countries outside your residence. We ensure appropriate safeguards are in place for such transfers.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email or through the Service.

9. Contact Us

For questions about this Privacy Policy or to exercise your rights, contact us at privacy@pagga.io.