Terms of Service

1. Acceptance of Terms

By accessing or using MiarichPay services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services.

2. Service Description

MiarichPay provides secure payment processing services, including:

• Online payment processing for merchants
• Mobile payment solutions
• Digital wallet services
• International money transfers
• Merchant account management
• Fraud detection and prevention

Our services are designed to facilitate secure financial transactions while maintaining the highest standards of security and compliance.

3. User Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information during registration
• Not be prohibited from using financial services under applicable laws
• Not be located in a country subject to economic sanctions

4. Account Registration and Security

Registration Requirements

When creating an account, you must provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Security Obligations

• Use strong, unique passwords
• Enable two-factor authentication when available
• Notify us immediately of any unauthorized access
• Keep your contact information up to date
• Log out of your account when using shared devices

5. Acceptable Use Policy

You agree not to use our services for:

• Illegal activities or transactions
• Money laundering or terrorist financing
• Fraudulent or deceptive practices
• Sale of prohibited goods or services
• Gambling or adult entertainment (where prohibited)
• High-risk businesses without prior approval
• Circumventing our security measures

Violation of this policy may result in immediate account suspension or termination.

6. Fees and Pricing

Our fee structure is transparent and competitive:

Standard Fees

• Transaction processing fees as disclosed during setup
• Monthly account maintenance fees (if applicable)
• International transfer fees
• Currency conversion fees

Additional Charges

Additional fees may apply for premium services, expedited processing, or specialized merchant requirements. All fees are clearly disclosed before you authorize any transaction.

7. Transaction Processing

Authorization and Settlement

When you initiate a transaction, you authorize us to process the payment according to your instructions. Settlement times vary based on the payment method and destination.

Transaction Limits

We may impose transaction limits based on your account verification level, transaction history, and risk assessment. These limits are designed to protect both you and our platform.

Failed Transactions

Transactions may fail due to insufficient funds, invalid payment information, or technical issues. We will notify you of failed transactions and provide guidance on resolution.

8. Refunds and Chargebacks

Refund Policy

Refunds are processed according to the policies of the merchant from whom you made the purchase. MiarichPay facilitates refunds but does not determine refund eligibility.

Chargeback Protection

We provide chargeback protection services for merchants, including dispute management and representation. However, the final chargeback decision rests with the card issuer.

9. Compliance and Regulatory Requirements

We operate in compliance with all applicable financial regulations, including:

• Anti-Money Laundering (AML) requirements
• Know Your Customer (KYC) regulations
• Payment Card Industry Data Security Standard (PCI DSS)
• Bank Secrecy Act (BSA)
• Consumer protection laws

You agree to cooperate with our compliance procedures and provide requested documentation.

10. Limitation of Liability

To the maximum extent permitted by law, MiarichPay shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities.

Our total liability for any claim shall not exceed the fees paid by you to MiarichPay in the 12 months preceding the claim.

11. Account Suspension and Termination

Suspension

We may suspend your account if we suspect fraudulent activity, compliance violations, or other risks to our platform or users.

Termination

Either party may terminate this agreement with 30 days’ written notice. We may terminate immediately for material breaches or legal requirements.

Effects of Termination

Upon termination, we will process any pending transactions and return your remaining balance according to applicable regulations and our standard procedures.

12. Dispute Resolution

Any disputes arising from these terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Greenville, South Carolina.

You waive your right to participate in class action lawsuits against MiarichPay.

13. Modifications to Terms

We reserve the right to modify these terms at any time. Material changes will be communicated via email and posted on our website at least 30 days before taking effect. Continued use of our services constitutes acceptance of the modified terms.

14. Governing Law

These terms are governed by the laws of the State of South Carolina, United States, without regard to conflict of law principles.

15. Contact Information

For questions about these Terms of Service or our services, please contact us: