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