Terms And Condition
Effective Date: 25/10/25
Last Updated: 25/10/25
These Terms and Conditions (“Terms”) govern your use of the ArcPay application, website, and related services (“Services”) operated by Arc Payments Limited (“ArcPay”, “we”, “our”, or “us”).
By accessing or using ArcPay, you agree to these Terms. If you do not agree, please do not use the Services.
1. About ArcPay
- ArcPay is a digital payment platform that enables users to send and receive money internationally, including transfers from the United States to countries such as Nigeria and Ghana.
- ArcPay facilitates payment processing and money transfer services through banking and third-party financial partners.
- ArcPay is not a bank and does not provide banking, investment, or lending services.
2. Eligibility
To use ArcPay, you must:
- Be at least 18 years old
- Have the legal authority to enter into these Terms
- Use the Services in compliance with applicable laws and regulations
- Provide accurate and truthful information when required
We reserve the right to refuse or restrict access to any user or jurisdiction at our discretion
3. Account Registration
You may be required to create an account to access certain features of the Services.
You agree to:
- Provide accurate and up-to-date information
- Keep your login credentials secure
- Notify us immediately of unauthorized access to your account
- Be responsible for all activity under your account
ArcPay is not responsible for losses caused by unauthorized access resulting from your failure to secure your account credentials.
4. Payments and Transfers
ArcPay allows users to initiate domestic and international money transfers.
By using the Services, you acknowledge that:
- Transfer times may vary depending on banks, payment providers, compliance checks, and recipient countries
- Exchange rates and transfer fees may apply
- Transactions may be delayed, canceled, or reviewed for compliance or fraud prevention purposes
- Incorrect recipient details may result in failed or irreversible transfers
Users are solely responsible for verifying recipient information before submitting transactions.
5. Compliance and Verification
To comply with applicable laws and anti-money laundering regulations, ArcPay may request identity verification documents or additional information.
We may:
- Monitor transactions for suspicious activity
- Suspend or reject transactions that violate laws or policies
- Report activities to regulatory authorities where required by law
Failure to provide requested information may result in service restrictions or account suspension.
6. Prohibited Activities
You agree not to use ArcPay for:
- Fraudulent or illegal activities
- Money laundering or terrorist financing
- Unauthorized transactions
- Scam-related activities
- Violations of financial regulations or sanctions laws
- Attempting to interfere with the security or operation of the platform
ArcPay reserves the right to suspend or terminate accounts involved in prohibited activities.
7. Fees and Exchange Rates
ArcPay may charge:
- Transaction fees
- Currency conversion fees
- Service fees related to transfers
Applicable fees and exchange rates will be displayed before transaction confirmation whenever possible.
Exchange rates may fluctuate based on market conditions and third-party providers.
8. Third-Party Services
ArcPay may rely on third-party providers, including:
- Payment processors
- Banking partners
- Compliance and verification providers
- Cloud hosting services
Your use of third-party services may also be subject to their own terms and policies.
ArcPay is not responsible for interruptions, delays, or failures caused by third-party providers.
9. Privacy
Your use of ArcPay is also governed by our Privacy Policy.
By using the Services, you consent to the collection, use, and processing of information as described in the Privacy Policy.
10. Service Availability
We aim to provide reliable access to the Services but do not guarantee uninterrupted availability.
ArcPay may:
- Modify or discontinue features
- Perform maintenance
- Restrict access temporarily or permanently
We are not liable for delays, outages, or technical interruptions.
11. Intellectual Property
All ArcPay branding, software, logos, designs, and content are owned by Arc Payments Limited or its licensors.
You may not:
- Copy or redistribute platform content
- Reverse engineer the software
- Use ArcPay branding without permission
- Create derivative works based on the Services
12. Disclaimer of Warranties
The Services are provided “AS IS” and “AS AVAILABLE” without warranties of any kind.
ArcPay does not guarantee:
- Error-free operation
- Continuous availability
- Successful completion of all transactions
- Accuracy of third-party services or exchange rates
13. Limitation of Liability
To the maximum extent permitted by law, ArcPay shall not be liable for:
- Indirect or consequential damages
- Loss of funds caused by incorrect transfer information
- Delays caused by financial institutions or third parties
- Account access issues
- Service interruptions
- Loss of profits, revenue, or business opportunities
Your use of the Services is at your own risk.
14. Indemnification
You agree to indemnify and hold harmless ArcPay, its affiliates, employees, and partners from claims, liabilities, damages, or expenses arising from:
- Your use of the Services
- Violation of these Terms
- Violation of laws or third-party rights
15. Suspension and Termination
ArcPay may suspend or terminate your access to the Services if:
- You violate these Terms
- Fraudulent or suspicious activity is detected
- Required by law or regulatory authorities
Termination does not remove obligations or liabilities incurred before termination.
16. Governing Law
These Terms shall be governed by and interpreted under the laws of the United Kingdom.
Any disputes arising from these Terms or the Services shall be resolved in the courts of England and Wales unless otherwise required by applicable law.
17. Changes to These Terms
ArcPay may update these Terms from time to time.
Updated versions become effective upon publication. Continued use of the Services after updates constitutes acceptance of the revised Terms.
18. Contact Information
Arc Payments Limited
Unit 7a Abbey Business Park, Monks Walk, Farnham, England, GU9 8HT
Email: support@arcpayglobal.com
If you have questions regarding these Terms, please contact us using the information above.
ARCPAY GLOBAL was founded with a simple but powerful mission — to make international money transfers faster
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- +1 540 630 4145
- support@arcpayglobal.com
- 141-11 Farmers Boulevard, Jamaica, NY 11434
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