Terms Of Use

1. Using Our Website

By using www.exiopay.xyz (including subdomains), you agree to these terms. Accessing, browsing, or registering constitutes use.
Do not use the site if you disagree with any terms & conditions.

2. Additional Terms

• Privacy Policy: Outlines how we handle personal data, in compliance with GDPR and applicable UK and EU data laws.

• Cookie Policy: Explains use of cookies on our site, aligned with the EU ePrivacy Directive.
  
  

3. About Us

Contact: support@exiopay.xyz — include a brief reason and your contact details. We aim to respond within 2 days.
www.exiopay.xyz, Exiopay, “EP”, “us,” “firm,” all refer to and are operated by Exio, Covent Garden, London, UK, WC2H 9JQ.
We operate in compliance with relevant UK and EU regulations, including GDPR.

4. Changes

We may update these terms or site content at any time. Check regularly for updates.

5. Site Availability

Site access may be suspended or withdrawn without notice.
You are responsible for access arrangements and ensuring users through your connection comply with terms.

6. Intellectual Property

All content is owned/licensed by us and protected by copyright.

You may:

• Print or download one copy for personal use.

• Share content internally within your organisation.

You must not:

• Modify materials or separate visuals from accompanying text.

• Use content for commercial purposes without permission.

We grant a limited, revocable license to use the site per these terms.
No rights to our source code, algorithms, or trademarks are granted.

7. Text & Data Mining

Text/data mining or scraping of our site is strictly prohibited, including use of bots, spiders, or automated tools.
This clause enforces our rights under Article 4(3) of the EU Digital Copyright Directive.

8. Content Accuracy

Content is for general information only — not professional advice.
We make no guarantees of accuracy or timeliness.
External links do not imply endorsement; we’re not responsible for third-party content.

9. Limitation of Liability

We do not exclude liability for:

• Death or injury from negligence

• Fraud
  
  

Otherwise, we are not liable for:

• Site inaccessibility

• Reliance on site content

• Business losses

• Damages from third-party sites or malware

This site is for commercial, non-personal use only.

10. Viruses & Security

We do not guarantee the site is virus-free.
You are responsible for cybersecurity.

Do not:

• Upload harmful content

• Attempt unauthorized access

• Launch denial-of-service attacks

Breach may result in legal action.

11. Linking to Us

You may link to our homepage fairly and legally.
Do not imply endorsement or link from sites you don’t own.
Framing is prohibited.
We may revoke linking permissions at any time.

12. Rights & Transfers

We may transfer our rights and obligations to another entity.

13. Governing Law

These terms are governed by English law.
Disputes fall under the exclusive jurisdiction of the Courts of England and Wales.

14. EU Compliance

We comply with:

• General Data Protection Regulation (GDPR)

• EU ePrivacy Directive

• EU Digital Copyright Directive

Users in the EU have legal rights under these laws.

Legal Disclosures & Regulatory Statement

Effective Date: March 2025
Last Updated: March 2025

1. Introduction

Exiopay is a digital platform for stablecoin transactions.
This statement outlines:

• The regulatory and operational roles of our third-party partners

• Risk disclosures related to stablecoin use

• Transparency regarding asset reserves

• Geographic and jurisdictional limitations
  
  

2. Use of Regulated Third-Party Partners

Exiopay does not directly provide financial, custodial or onboarding services. We work with licensed and regulated partners under UK, EU, and global laws.

Our Partners Include:

• Bridge Building Sp. Z.o.o. – Primary partner for all KYC/KYB onboarding, AML screening, and customer verification. <> Services for non-EEA residents are provided under the terms of service with Bridge Ventures LLC. For U.S. residents, applicable money transmission services are provided by Bridge Building Inc (NMLS #2450917).  <> Services for EEA residents are provided under the terms of service with Bridge Building Sp. z o.o., registered under KRS: 0001039515, RDWW-794. 

All regulatory licensing, consumer fund protection measures, and compliance obligations are held by these partners, exiopay does not hold funds or process fiat transactions directly.

3. Stablecoin Reserves & Transparency

Stablecoins used on Exiopay are backed 1:1 by fiat or equivalent assets. Reserves are held by regulated partners and verified via public audits.

Note: Exiopay does not issue or custody stablecoins.

4. Risk Disclosure Statement

By using Exiopay, users accept risks including:

• De-Peg Risk (stablecoin issuer or custodian failure)

• Counterparty Risk (third-party service disruptions)

• Regulatory Risk (legal or jurisdictional restrictions)

• Technology Risk (hacks, bugs, contract failures)

• Market Access Risk (service availability changes)

Users are advised to do their own research and seek professional advice.

5. Jurisdictional Availability

Exiopay is not available in:

• Sanctioned countries (UK, EU, UN, OFAC)

• Jurisdictions where crypto is illegal or heavily restricted

See the Terms of Use for the most current list.

6. Our Role & Liability Limitation

Exiopay is a technology provider. We do not:

• Hold user funds

• Provide investment advice

• Guarantee stablecoin liquidity

• Accept liability for partner failures

Use of partner services is at your own risk.

7. Complaints and Disputes

See our Complaints Policy for how to escalate issues.
You may be redirected to third-party providers depending on the issue (e.g. KYC).

8. Additional Policies & Resources

• Privacy Policy

• Cookie Policy

• AML Policy

• Complaints Policy

• Terms of Use
  
  

For regulatory or legal inquiries, contact our Data Protection Officer 

DPO Contact: DPO@exiopay.com

Legal Disclaimer

The information provided is for general purposes only and does not constitute legal, financial, or tax advice.
Exiopay does not guarantee the performance or liquidity of any digital asset.

Use Exiopay services at your own risk.
We disclaim liability for losses related to platform use or third-party services.

Consult a qualified advisor for advice specific to your circumstances.