Terms of Service

1. The Services

VeloxaPay is a technology platform that orchestrates transactions across third-party payment service providers ("PSPs") selected by you. VeloxaPay is not a bank, acquirer, money transmitter, or e-money issuer. We do not take custody of funds; settlement is performed by your contracted PSPs.

2. Your account

• You must provide accurate corporate, ownership and contact information and keep it up to date.
• You are responsible for safeguarding API keys and dashboard credentials, and for actions taken under them.
• You will comply with applicable law and the operating rules of every payment network you transact on.

3. Acceptable use

You will not use the Services to process transactions related to: activities prohibited by Visa, Mastercard, American Express, JCB, Discover or UnionPay rules; sanctions-listed parties; unlicensed financial services; child sexual abuse material; weapons subject to export control; or any activity that is illegal in either your jurisdiction or the jurisdiction of your customer.

4. Fees

Fees are set out in your order form or on the pricing page in effect at the time of contracting. PSP and scheme fees are payable by you directly to those providers. VeloxaPay may update list pricing on 30 days' notice; in-term contractual pricing is fixed.

5. Data

Our processing of personal data is governed by the Privacy Policy and the Data Processing Addendum incorporated into your order form. Tokenized card data remains accessible to you for the term of the agreement and is exportable on termination subject to PCI-DSS controls.

6. Service levels

Target platform uptime is 99.99% measured monthly, excluding scheduled maintenance and force majeure. Specific SLA credits, if any, are set out in your order form.

7. Warranties & disclaimers

VeloxaPay warrants that it will provide the Services with reasonable skill and care. Except as expressly stated, the Services are provided "as is". VeloxaPay disclaims all other warranties to the maximum extent permitted by law.

8. Liability

Neither party is liable for indirect, special, consequential or punitive losses. Each party's aggregate liability is capped at the fees paid to VeloxaPay in the 12 months preceding the event giving rise to the claim. Nothing in these Terms limits liability for fraud, gross negligence, or willful misconduct.

9. Term & termination

Either party may terminate for material breach on 30 days' written notice if uncured. VeloxaPay may suspend the Services immediately to prevent imminent harm, scheme rule violations, or to comply with law.

10. Governing law

These Terms are governed by the laws of the Hong Kong Special Administrative Region. Disputes are subject to the exclusive jurisdiction of the Hong Kong courts, save that VeloxaPay may seek injunctive relief in any competent court.

11. Contact

HD ENTERPRISE CO., LIMITED · Unit B, 17/F, Success Commercial Building, 245‑251 Hennessy Road, Wan Chai, Hong Kong · legal@veloxapay.com.