Terms of Service

These Terms of Service ("Terms") govern your access to and use of the Myrica Pay website, mobile application, digital wallet, payment services, and related features (collectively, the "Services").

By creating an account, accessing, or using the Services, you agree to be bound by these Terms. If you do not agree, you must not use our Services.

You must be 18 years or older and legally able to enter into a binding agreement to use Myrica Pay.

Maintain a digital wallet

Send and receive money locally and internationally

Pay bills and utilities

Buy airtime and data

Pay merchants

Cash in and cash out through verified agents

Make payments for goods and services

Support business and trade payments to global suppliers

Be at least 18 years old

Provide accurate personal information

Comply with all applicable laws

Not appear on sanctions or prohibited persons lists

We are required by law to verify your identity.

You agree to provide accurate information including:

• Full name
• Date of birth
• Address
• Government-issued ID
• Selfie verification (biometric)
• Source of funds (when required)

All fees, exchange margins, and charges will be shown transparently before you complete a transaction.

Fees may vary by: Country, Payment method, Transaction type, Currency, and Delivery method.

By completing a transaction, you authorize Myrica Pay to charge all applicable fees.

For transfers involving currency conversion, the exchange rate will be shown to you before completion. Exchange rates fluctuate and may differ from public sources.

You may cancel a transfer only if funds have not been disbursed to the recipient.

Refunds may be denied if:

• Required compliance checks fail
• Fraud or suspicious activity is detected
• The transaction violates our Terms or the law

Use the service for illegal or prohibited purposes

Misrepresent your identity

Share account access

Use Myrica Pay for fraud, scams, or money laundering

Interfere with the operation of the platform

Transmit viruses, bots, or malicious software

All content, features, trademarks, logos, and software belong to Myrica Pay or its licensors.

You receive a limited, non-transferable license to use the Services for personal, lawful purposes.

Some features rely on partner banks, mobile money operators, financial institutions, and vendors.

We are not responsible for the actions or performance of these third parties.

The Services are provided "as is" without warranties of any kind.

We do not guarantee:

• Uninterrupted access
• Error-free operation
• Virus-free services
• Any specific delivery time

To the fullest extent permitted by law, Myrica Pay is not liable for indirect, incidental, or consequential damages.

Our maximum liability to you will never exceed: (a) the amount you paid to us in the previous 12 months or (b) USD $100, whichever is greater.

You agree to indemnify and hold harmless Myrica Pay from any claims related to your misuse of the Services or violation of these Terms.

Violating these Terms

Failing KYC checks

Suspicious activity

Required regulatory action

We may update these Terms at any time.

Your continued use of the Services constitutes acceptance of updates.

If you have any questions about these Terms of Service, please contact our legal team at legal@myricapay.com or through our Help Center.