Terms of Service | Paykudy User Agreement

1. Agreement to Terms

By creating an account with Paykudy ("the App"), you enter into a legally binding agreement with Paykudy Inc. and its parent company, ZeroTen Technologies Ltd. If you do not agree to these terms, you must cease all use of our services immediately.

2. Nature of Services

Paykudy is a financial technology platform, not a bank. We provide a digital interface and physical card services through partnerships with licensed financial institutions. All banking services and fund holding are performed by our designated partner banks.

3. Eligibility & Account Security

To use Paykudy, you must be at least 18 years old and provide accurate KYC (Know Your Customer) information. You are solely responsible for:

Maintaining the confidentiality of your PIN and login credentials.
Promptly reporting a lost or stolen physical card via the App.
All activities that occur under your account.

4. Fees and Transactions

While we strive for transparency, certain transactions (such as international ATM withdrawals or card replacements) may incur fees. A full schedule of fees is available within the App settings. By initiating a transaction, you authorize Paykudy to debit the applicable amount and fees from your balance.

5. Prohibited Activities

You agree not to use Paykudy for any illegal purposes, including but not limited to money laundering, financing terrorism, or fraudulent purchases. We reserve the right to suspend or terminate accounts suspected of violating these policies.

6. Limitation of Liability

To the maximum extent permitted by law, Paykudy Inc. shall not be liable for any indirect, incidental, or consequential damages arising from your use of the physical card or digital services.