Terms of Service

These Terms of Service, together with any policies referenced in them (collectively, the "Terms"), form a legally binding agreement between you and PBoxGlobal, Inc. and its affiliates (“PBoxGlobal”, “we”, “us”, or “our”) governing your access to and use of our website, financial platform, applications, dashboards, developer API, and any modules or services offered through them (collectively, the "Service").

By creating an account, clicking "I agree," or otherwise accessing or using the Service, you accept these Terms and our Privacy Policy. If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind that entity, in which case "you" refers to that entity.

If you do not agree to these Terms, you must not access or use the Service. We may refuse service, close accounts, or cancel transactions at our discretion where necessary to comply with applicable law or to manage risk.

PBoxGlobal provides a financial platform that may include a core account (payments, deposits, transaction history, and multi-currency/global accounts), and optional modules such as corporate cards, global payroll, treasury & FX, invoicing, analytics, and a developer API. Availability of any specific feature or module depends on your plan, verification level, region, risk profile, and our discretion.

Regulated services (including deposit-taking, card issuing, and fund transfers) are provided in partnership with licensed banks, electronic money institutions, and payment processors ("Banking Partners"). We are a technology provider that connects you to those regulated services; we are not a bank. We may add, modify, suspend, or discontinue any feature or module at any time, with notice where required by law.

To use the Service, you must:

• Be at least 18 years old and have the legal capacity to enter into a binding contract in your jurisdiction.
• Not be located in, or a resident of, a country or region subject to comprehensive sanctions.
• Not be listed on any sanctions, denied-party, or watchlist maintained by the United Nations, the United States (OFAC), the European Union, the United Kingdom, or other applicable authority.
• Provide accurate and complete registration information and complete any required identity or business verification.

We may restrict, suspend, or decline availability of the Service in certain regions or to certain persons at our sole discretion, including to comply with law or manage regulatory or reputational risk.

You agree to provide accurate, current, and complete information during registration and to keep it updated. To access certain features you must complete identity verification (KYC) and, for business accounts, business and beneficial-ownership verification (KYB), which may require government-issued identification, proof of address, incorporation documents, and other supporting materials.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account, whether or not authorized by you, except to the extent caused by our gross negligence or willful misconduct. You must notify us immediately of any unauthorized use of your account or any other security breach.

Opening a core account requires a one-time activation fee of $120 (the "Activation Fee"), which covers identity verification, account setup, and initial compliance screening. Optional modules are enabled on request and may be subject to additional recurring or per-transaction fees, which are disclosed before activation.

• All transaction, foreign-exchange, card, and network fees are disclosed to you before you confirm each action, consistent with our transparent-pricing commitment.
• We do not apply hidden percentage-of-amount spreads beyond what is disclosed at the time of the transaction.
• Fees are quoted and charged in the currency displayed at checkout unless otherwise stated.
• Except as required by law, fees are non-refundable, including where an account is suspended or terminated for a violation of these Terms.
• We may change our fees prospectively upon notice as described in Section 20 (Pricing on our website reflects the most current fee schedule).

You agree not to use the Service to, and will not permit any third party to:

• Engage in money laundering, terrorist financing, sanctions evasion, tax evasion, or other financial crime.
• Commit fraud, misrepresent your identity, or provide false or misleading verification information.
• Transmit funds derived from unlawful activity or use the Service to evade geographic, regulatory, or contractual restrictions.
• Infringe the intellectual property, privacy, or other rights of any third party.
• Interfere with, disrupt, reverse-engineer, or attempt unauthorized access to the Service or related systems.
• Use the Service for high-risk activities that we prohibit under our Acceptable Use Policy, including unlicensed money transmission, gambling in restricted jurisdictions, or the sale of prohibited goods.

You are solely responsible for the accuracy and completeness of instructions you submit, the legality of your transactions, and compliance with tax, accounting, and reporting obligations applicable to you in your jurisdiction. You authorize us to act on instructions authenticated through your account credentials and any configured multi-factor authentication, without further inquiry into the authority of the person submitting them.

If you use our developer API or connect third-party applications to your account, you are responsible for your use of API keys, webhooks, and credentials, and for the security practices of any application you authorize. We are not responsible for the acts or omissions of independent third-party applications, and your use of them is subject to their own terms.

We may suspend, restrict, or terminate your account or access to the Service, or decline, delay, or reverse a transaction, where we reasonably believe:

• You have violated these Terms, our Acceptable Use Policy, or applicable law.
• Your account poses a fraud, credit, security, or reputational risk to us, our Banking Partners, or other users.
• We are required to do so by a Banking Partner, regulator, court order, or other legal process.
• Your account has been inactive for an extended period, subject to notice where required by law.

You may close your account at any time by contacting support, subject to settling any outstanding obligations, fees, or holds required for regulatory or risk purposes. Sections of these Terms that by their nature should survive termination (including Sections 11–17) will survive.

PBoxGlobal is a financial technology company, not a bank. Banking, card-issuing, settlement, and related regulated services are provided by licensed third-party Banking Partners. EXCEPT AS EXPRESSLY STATED IN THESE TERMS, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PBOXGLOBAL NOR ITS BANKING PARTNERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, GOODWILL, OR DATA, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). THESE LIMITATIONS APPLY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW AND WILL NOT LIMIT LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, SUCH AS LIABILITY FOR GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR FRAUD.

You agree to indemnify, defend, and hold harmless PBoxGlobal, its officers, directors, employees, and Banking Partners from and against any claims, losses, liabilities, damages, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use or misuse of the Service; (b) your violation of these Terms or applicable law; (c) your violation of any rights of a third party; or (d) any content or instructions you submit through the Service.

All trademarks, logos, service marks, trade names, software, and content made available through the Service are the property of PBoxGlobal or its licensors and are protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for its intended purpose. You may not copy, modify, distribute, sell, lease, reverse-engineer, or create derivative works based on the Service without our prior written consent.

Each party agrees to protect the other party’s confidential information using the same degree of care it uses for its own confidential information of similar nature, and no less than a reasonable degree of care, and not to disclose such information except as necessary to perform obligations under these Terms, comply with law, or as otherwise permitted in writing.

Our collection and use of personal data in connection with the Service is described in our Privacy Policy, which is incorporated into these Terms by reference.

Neither party will be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authority, fire, flood, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials, or failures or disruptions of banking, payment, or telecommunications infrastructure.

We encourage you to contact us first to resolve any dispute informally by writing to the address in Section 20. If a dispute is not resolved within 30 days, and to the extent permitted by applicable law:

• Any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding arbitration on an individual basis, rather than in court, except that either party may bring an individual action in small-claims court.
• YOU AND PBOXGLOBAL EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE PROCEEDING.
• This arbitration provision does not apply where prohibited by applicable consumer-protection law, in which case disputes will be resolved in the courts described in Section 18.

These Terms are governed by the laws of the jurisdiction in which PBoxGlobal, Inc. is established, without regard to conflict-of-law principles, except where mandatory local consumer-protection law requires application of local law. Subject to Section 17, the state and federal courts located in that jurisdiction will have exclusive jurisdiction over any dispute not subject to arbitration.

• Entire agreement — these Terms, together with the Privacy Policy and any additional module-specific terms, constitute the entire agreement between you and us regarding the Service.
• Severability — if any provision is found unenforceable, the remaining provisions will remain in full effect.
• No waiver — our failure to enforce any right or provision will not be deemed a waiver of that right or provision.
• Assignment — you may not assign these Terms without our prior written consent; we may assign these Terms in connection with a merger, acquisition, or sale of assets.
• Relationship of the parties — nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and us.

We may update these Terms from time to time to reflect changes in our Service, legal requirements, or business practices. Where changes are material, we will provide at least 14 days' notice via the Service or by email before they take effect, unless a shorter period is required by law or necessary to address a security or compliance issue. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms. These Terms are effective as of July 1, 2026.

Questions about these Terms can be directed to support@pboxglobal.com.