# Terms & Conditions ## Terms & Conditions **Last updated:** May 18, 2026 ### Scope These Terms & Conditions govern your access to and use of the ArvoPay website, product pages, applications, portals, content, and related online services that link to these terms. These terms apply to the website and pre-contractual interactions. They do not replace any cardholder agreement, account agreement, fee schedule, program disclosure, or regulated financial terms that apply when you apply for, receive, or use a U Card or related financial service. If a product-specific agreement conflicts with these terms, the product-specific agreement controls for that product. ### Who we are ArvoPay is a financial technology brand focused on U Card products and related digital payment services. ArvoPay provides website content, onboarding flows, product information, and related support experience for eligible users and partners. ### Acceptance of terms By accessing or using the website, you agree to these terms. If you use the website on behalf of a company or other organization, you confirm that you have authority to bind that organization. If you do not agree, do not use the website. ### Eligibility You must be legally capable of entering into a binding agreement under the laws that apply to you. You may not use the website or related services if: * doing so would violate applicable law, sanctions, or regulatory restrictions * you are located in a prohibited jurisdiction * your use is suspended or restricted by ArvoPay or a regulated partner ### About our services ArvoPay may provide information about U Card products, onboarding flows, support tools, dashboards, integrations, and regulated financial services through affiliates or partners. Availability varies by jurisdiction, customer type, and partner approval. Nothing on the website is an offer where the offer would be unlawful. ### No financial, legal, or tax advice Website content is for general information. It does not constitute legal, tax, investment, accounting, or other professional advice. You should obtain advice from your own advisers before relying on website content for a regulated or material decision. ### Account registration and verification Some features require registration, identity verification, business verification, or additional due diligence. You must provide information that is accurate, complete, and current. You authorize ArvoPay and its partners to verify your information where permitted by law. This may include identity, business, fraud, sanctions, anti-money laundering, and source-of-funds checks. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account, except to the extent caused by ArvoPay's failure to maintain appropriate security. ### Permitted use You may use the website only for lawful purposes and in accordance with these terms. You may not: * misuse the website, including by scraping, reverse engineering, or bypassing security controls * upload malicious code or interfere with system integrity or availability * use the website for unlawful, fraudulent, deceptive, abusive, or infringing activity * use ArvoPay services in connection with prohibited merchants, prohibited transactions, sanctions evasion, or money laundering * misrepresent your identity, authority, location, or intended use case ### Product availability and onboarding decisions ArvoPay may change, suspend, limit, or discontinue any website feature or product presentation at any time. Submission of an application or inquiry does not guarantee approval, account opening, card issuance, transaction access, or ongoing service. Approval depends on eligibility, jurisdiction, internal risk criteria, partner requirements, compliance review, and applicable law. ### Fees and disclosures Website content may summarize pricing or product features. Final fees, limits, processing times, eligibility conditions, and regulated disclosures appear in the applicable product agreement or onboarding materials. You should review all final disclosures before applying for or using a product. ### Intellectual property ArvoPay and its licensors own the website, including software, branding, text, graphics, layout, and other content, except where stated otherwise. Subject to these terms, ArvoPay grants you a limited, revocable, non-exclusive, non-transferable right to access and use the website for internal, lawful purposes. You may not copy, modify, distribute, create derivative works from, or commercially exploit website content without prior written permission, except as allowed by law. ### Feedback If you submit comments, ideas, or suggestions, ArvoPay may use them without restriction or compensation, unless applicable law requires otherwise. Do not submit confidential information unless ArvoPay has expressly requested it through an approved channel. ### Third-party services and links The website may include links to third-party websites, banking partners, card issuers, identity providers, analytics providers, app stores, or other services. ArvoPay is not responsible for third-party content, security, availability, or practices. Your use of third-party services is governed by their own terms and notices. ### Compliance and regulatory cooperation ArvoPay may monitor, review, preserve, and disclose information where reasonably necessary to: * comply with law, regulation, court order, or lawful request * enforce these terms or product rules * detect, prevent, or investigate fraud, abuse, sanctions issues, money laundering, or security incidents * protect ArvoPay, users, partners, or the public ### Privacy ArvoPay processes personal data as described in the [Privacy Policy](/arvopay-docs/legal/privacy-policy.md). Where product-specific privacy notices apply, those notices supplement this page. ### Disclaimers The website is provided on an **"as is"** and **"as available"** basis, except to the extent prohibited by law. ArvoPay does not warrant that the website will be uninterrupted, error-free, secure, or suitable for every purpose. To the fullest extent permitted by law, ArvoPay disclaims implied warranties, including merchantability, fitness for a particular purpose, title, and non-infringement. Nothing in these terms excludes liability that cannot be excluded under applicable law, including certain consumer rights or liability for fraud, fraudulent misrepresentation, death, or personal injury caused by negligence where such exclusion is unlawful. ### Limitation of liability To the fullest extent permitted by law, ArvoPay and its affiliates, officers, employees, contractors, and partners are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, goodwill, data, business opportunity, or anticipated savings. Some jurisdictions do not allow certain limitations. In those jurisdictions, the limitation applies only to the maximum extent permitted by law. ### Indemnity To the fullest extent permitted by law, you will indemnify and hold harmless ArvoPay and its affiliates, personnel, and partners from claims, losses, liabilities, and expenses arising from: * your misuse of the website * your breach of these terms * your violation of law or third-party rights This section does not apply to the extent a claim results from ArvoPay's own negligence, willful misconduct, or other liability that cannot be excluded by law. ### Suspension and termination ArvoPay may suspend or terminate your access to all or part of the website at any time, with or without notice, where reasonably necessary for security, maintenance, legal compliance, risk management, or breach of these terms. You may stop using the website at any time. Sections that by nature should survive termination will survive, including intellectual property, disclaimers, liability limits, indemnity, disputes, and compliance obligations. ### Consumer rights Nothing in these terms limits non-waivable rights you have under consumer protection, privacy, financial services, or other mandatory laws. If you are an EEA, UK, or Swiss consumer, mandatory local law may give you additional rights. If you are a resident of California or another US state with applicable privacy laws, you may have additional privacy rights described in the Privacy Policy. ### Governing law and disputes These terms are governed by the laws of the Hong Kong Special Administrative Region, without regard to conflict of laws principles, unless mandatory law requires otherwise. Any dispute arising from these terms or the website will be resolved in the courts of Hong Kong, unless applicable law requires a different forum or you and ArvoPay agree to another lawful dispute mechanism. ### Changes to these terms ArvoPay may update these terms from time to time. If the changes are material, ArvoPay may post a prominent notice, update the date above, or provide additional notice where required by law. Your continued use of the website after the updated terms take effect means you accept the updated terms. ### Contact For legal or service questions, use the contact channel published on the website. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://arvopay.gitbook.io/arvopay-docs/legal/terms-and-conditions.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.