Terms of Service

Effective Date: January 3, 2026

Welcome to Sendarapay. These Terms of Service (“Terms”) govern your access to and use of the Sendarapay website, mobile application, and related services (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms.

1. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use the Services.

2. Our Services

Sendarapay provides technology that facilitates domestic and international payment services through licensed financial institutions, payment providers, and other authorized partners. Certain services may utilize blockchain technology and digital assets, including stablecoins, to facilitate settlement.

Sendarapay is not a bank and does not accept customer deposits unless expressly stated.

3. Account Registration

To access certain features, you must create an account and provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activity occurring under your account.

4. Identity Verification

To comply with applicable laws and regulations, Sendarapay may require identity verification, including government-issued identification, proof of address, and other documentation. We may suspend or deny access to our Services if verification cannot be completed.

5. Fees

Applicable fees will be disclosed before you authorize a transaction. Fees, exchange rates, and processing charges may vary depending on the payment corridor, destination, payment method, and other factors.

6. Transaction Processing

Transaction delivery times are estimates only. Processing times may vary due to banking hours, blockchain network conditions, regulatory reviews, partner availability, or other circumstances beyond Sendarapay’s control.

7. Prohibited Activities

You agree not to use the Services for any unlawful purpose, including but not limited to:

• Money laundering
• Terrorist financing
• Fraud or identity theft
• Sanctions violations
• Human trafficking
• Illegal gambling
• Tax evasion
• Any activity prohibited by applicable law

Sendarapay reserves the right to refuse, suspend, or cancel transactions that appear suspicious or violate these Terms.

8. Compliance

You agree to comply with all applicable local, state, federal, and international laws, including anti-money laundering (AML), Know Your Customer (KYC), sanctions, and counter-terrorist financing regulations.

9. Privacy

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, disclose, and safeguard your personal information.

10. Intellectual Property

All trademarks, logos, software, content, and technology associated with Sendarapay are owned by or licensed to Sendarapay and may not be copied, reproduced, or used without prior written permission.

11. Third-Party Services

Certain features may rely on third-party financial institutions, payment processors, blockchain networks, or service providers. Sendarapay is not responsible for the actions, delays, or failures of third-party providers.

12. Blockchain and Digital Asset Risk Disclosure

By using Services that involve blockchain technology, digital assets, or stablecoins, you acknowledge and agree that such technologies involve significant risks, including but not limited to:

• Price volatility: Digital assets may experience rapid and substantial changes in value, and stablecoins may not always maintain a stable value relative to fiat currency.
• Irreversible transactions: Blockchain transactions are generally irreversible. Once a transaction is submitted and confirmed, it may not be possible to cancel, reverse, or recover funds.
• Regulatory uncertainty: The regulatory environment surrounding blockchain technology and digital assets is evolving and may change at any time, potentially affecting the availability, legality, or functionality of the Services.
• Technology and network risk: Blockchain networks may experience congestion, failures, forks, cyberattacks, or other technical issues that may delay, disrupt, or prevent transactions.
• Loss of funds: You acknowledge that you may lose some or all of the digital assets or funds involved in a transaction due to market conditions, technical failures, user error, or other unforeseen circumstances.
• Third-party dependency: Transactions may rely on external blockchain networks and service providers that are outside of Sendarapay’s control.

You agree that you are solely responsible for understanding these risks before using any blockchain-enabled features of the Services.

13. Suspension and Termination

We may suspend, restrict, or terminate your account at any time if we believe you have violated these Terms, applicable law, or if required by regulators or our financial partners.

14. Disclaimer of Warranties

The Services are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, to the fullest extent permitted by law.

15. Limitation of Liability

To the fullest extent permitted by law, Sendarapay shall not be liable for indirect, incidental, consequential, special, or punitive damages arising from your use of the Services, including delays caused by financial institutions, payment networks, blockchain networks, or events beyond our reasonable control.

16. Indemnification

You agree to defend, indemnify, and hold harmless Sendarapay, its affiliates, officers, employees, and partners from any claims, losses, damages, liabilities, or expenses arising from your use of the Services or your violation of these Terms.

17. Changes to These Terms

We may modify these Terms at any time. Updated Terms will become effective upon posting to our website. Continued use of the Services constitutes acceptance of the revised Terms.

18. Governing Law

These Terms shall be governed by the laws of the State of Florida, without regard to its conflict of law principles.

19. Contact Us

Questions regarding these Terms may be directed to:

By creating an account or using Sendarapay, you acknowledge that you have read, understood, and agree to these Terms of Service.

Mutual Non-Disclosure Agreement

Effective as of the date of signature below

This Mutual Non-Disclosure Agreement (this “Agreement”) is entered into by and between Sendarapay, located at 1200 Brickell Ave., Miami, FL 33131 (“Sendarapay”), and the individual or entity identified in the signature block below (the “Counterparty”). Sendarapay and the Counterparty are each a “Party” and together the “Parties.” By completing and submitting the signature form at the end of this document, the Counterparty agrees to be bound by the terms below.

1. Purpose

The Parties wish to explore a potential business relationship (the “Purpose”) and, in connection with the Purpose, each Party may disclose to the other certain confidential and proprietary information. This Agreement governs the protection and permitted use of that information.

2. Definition of Confidential Information

“Confidential Information” means any non-public information disclosed by one Party (the “Disclosing Party”) to the other (the “Receiving Party”), whether orally, in writing, electronically, or by inspection, that is designated as confidential or that a reasonable person would understand to be confidential given its nature and the circumstances of disclosure. Confidential Information includes, without limitation:

• Business plans, roadmaps, strategies, forecasts, and financial information;
• Product designs, technology, source code, architecture, and technical know-how;
• Customer, partner, supplier, and investor information;
• Pricing, transaction data, and payment-flow information;
• Marketing plans, and any other proprietary or commercially sensitive information.

3. Exclusions

Confidential Information does not include information that the Receiving Party can demonstrate: (a) was already lawfully known to it without a duty of confidentiality prior to disclosure; (b) is or becomes publicly available through no breach of this Agreement by the Receiving Party; (c) is rightfully received from a third party without a duty of confidentiality; or (d) is independently developed by the Receiving Party without use of or reference to the Disclosing Party’s Confidential Information.

4. Obligations of the Receiving Party

The Receiving Party agrees to: (a) use the Confidential Information solely for the Purpose; (b) protect it using at least the same degree of care it uses for its own confidential information, and in no event less than a reasonable degree of care; (c) not disclose it to any third party except to its employees, advisors, or representatives who have a need to know for the Purpose and who are bound by confidentiality obligations at least as protective as those in this Agreement; and (d) not copy or reproduce it except as reasonably necessary for the Purpose.

5. Compelled Disclosure

If the Receiving Party is required by law, regulation, or valid legal process to disclose Confidential Information, it may do so, provided that (where legally permitted) it gives the Disclosing Party prompt prior written notice and reasonable cooperation so the Disclosing Party may seek a protective order or other remedy.

6. Term and Duration of Obligations

This Agreement begins on the date of signature and continues until terminated by either Party upon written notice. The confidentiality obligations in this Agreement are indefinite and survive termination, continuing to apply to all Confidential Information for so long as such information remains non-public, except to the extent an exclusion in Section 3 applies.

7. No License or Warranty

All Confidential Information remains the property of the Disclosing Party. Nothing in this Agreement grants the Receiving Party any license or rights to the Confidential Information except the limited right to use it for the Purpose. Confidential Information is provided “as is,” without warranty of any kind.

8. Return or Destruction

Upon the Disclosing Party’s written request or upon termination, the Receiving Party will promptly return or destroy all Confidential Information in its possession and, on request, certify such destruction, except for copies retained in routine backups or as required by law, which remain subject to this Agreement.

9. No Obligation to Proceed

Nothing in this Agreement obligates either Party to proceed with any transaction or business relationship. This Agreement does not create a partnership, joint venture, agency, or employment relationship between the Parties.

10. Remedies

The Parties agree that a breach of this Agreement may cause irreparable harm for which monetary damages may be inadequate, and that the non-breaching Party may seek injunctive or equitable relief in addition to any other remedies available at law or in equity.

11. Governing Law

This Agreement is governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-laws principles. The Parties consent to the exclusive jurisdiction of the state and federal courts located in Miami-Dade County, Florida.

12. Entire Agreement

This Agreement constitutes the entire agreement between the Parties regarding its subject matter and supersedes all prior discussions. It may only be amended in a writing signed (including electronically) by both Parties. If any provision is held unenforceable, the remaining provisions remain in full force and effect.

13. Contact

Privacy Policy

Last updated: July 6, 2026

Sendarapay (“Sendarapay,” “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our cross-border payment services. Please read this policy carefully. By using our website or services, you agree to the practices described here.

1. Information We Collect

We collect information that you provide directly to us and information that is generated automatically when you use our services.

Information you provide

• Contact details — your name, email address, phone number, and business name when you complete a contact or onboarding form.
• Business and account information — company name, business type, country, transaction volume, and the services you are interested in.
• Verification information — where required for regulated services, identity and business verification details.
• Communications — any messages, enquiries, or feedback you send to us.

Information collected automatically

• Usage data — pages visited, features used, and interactions with our website.
• Device and technical data — IP address, browser type, device information, and similar identifiers.
• Cookies and similar technologies — used to operate the site, remember preferences, and understand how the site is used.

2. How We Use Your Information

We use the information we collect to:

• Respond to your enquiries and provide the information or services you request;
• Set up, provide, and support your account and our payment, escrow, and payout services;
• Verify identity and comply with legal, regulatory, and anti-money-laundering obligations;
• Detect, prevent, and address fraud, security issues, and misuse;
• Improve, personalize, and develop our website and services;
• Send you administrative, transactional, and (where permitted) marketing communications.

3. How We Share Your Information

We do not sell your personal information. We may share it with:

• Service providers and partners who help us operate our business and deliver services, including licensed banking and payment partners;
• Regulators, law enforcement, and other authorities where required by law or to protect our rights, users, or the public;
• Professional advisors such as auditors, lawyers, and accountants;
• Parties to a business transaction such as a merger, acquisition, or asset sale, subject to appropriate safeguards.

4. Data Retention

We retain your information for as long as necessary to provide our services, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we take reasonable steps to securely delete or anonymize it.

5. Data Security

We use technical and organizational measures designed to protect your information against unauthorized access, loss, misuse, or alteration. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Your Rights and Choices

Depending on your location, you may have rights regarding your personal information, including the right to access, correct, update, or request deletion of your data, and to object to or restrict certain processing. You may also opt out of marketing communications at any time. To exercise any of these rights, please contact us using the details below.

7. International Data Transfers

As a cross-border payments provider, we may process and store your information in countries other than the one in which you reside. Where we transfer information internationally, we take steps to ensure it is protected in accordance with applicable law.

8. Children’s Privacy

Our services are intended for businesses and individuals aged 18 and over. We do not knowingly collect personal information from children.

9. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date above. Your continued use of our website or services after any changes indicates your acceptance of the updated policy.

10. Supervisory Authority

Questions regarding data protection and the handling of personal information at Sendarapay are overseen by our designated supervisory authority contact:

11. Contact Us

If you have any questions about this Privacy Policy or how we handle your information, please contact us: