Kettle Pay Terms of Service

I. By accessing or using the Services, you agree to be bound by these Terms and all additional policies referenced herein.

II. Your use of any functionality relating to Digital Asset conversion, fiat settlement, on-ramping, or off-ramping constitutes your consent to the terms of Kettle's regulated third-party liquidity partners.

III. Continued use of the Services after revisions to these Terms constitutes acceptance of the revised Terms.

I. USDC means a U.S. dollar-denominated stablecoin issued by Circle Internet Financial, LLC or its affiliates.

II. Digital Assets means cryptographic tokens, coins, or other digital units of value supported by distributed-ledger technology.

III. Non-Custodial Wallet means a wallet where you, and not Kettle, hold and control private keys. Kettle cannot access, recover, or restore lost private keys or seed phrases.

IV. On-Ramp means the conversion of fiat currency into Digital Assets through regulated third-party processors.

V. Off-Ramp means the conversion of Digital Assets into fiat currency, with settlement routed directly by liquidity partners to your nominated bank account.

VI. Liquidity Partner means a regulated third party responsible for receiving, converting, or settling fiat or Digital Asset transactions. Kettle is never in the flow of funds.

VII. Merchant means a business User that uses the Services to accept Digital Assets or to facilitate conversion or settlement through Liquidity Partners.

VIII. Customer means an end customer or counterparty of a Merchant who transacts with a Merchant using Digital Assets or fiat rails.

IX. Verification Tools means optional identity, KYB/KYC, sanctions-screening, fraud-prevention, or blockchain analytics tools made available through the Services.

X. Compliance Signals means informational risk indicators or alerts generated by third-party data sources or analytics tools and presented for Merchant review only.

I. You must be at least 18 years old and capable of entering into a legally binding agreement.

II. You must use the Services solely on behalf of a duly formed business entity.

III. You may not use the Services if you are located in, incorporated in, or acting on behalf of a jurisdiction subject to U.S. sanctions or export restrictions.

I. You must complete all KYB, KYC, and AML onboarding requirements imposed by Kettle or its regulated partners.

II. Kettle provides non-custodial wallet software only. You are solely responsible for securing private keys, seed phrases, recovery credentials, devices, and access methods. Kettle cannot access, recover, reset, or restore lost credentials.

III. Any transaction signed using your private keys, wallet credentials, or API keys is conclusively deemed authorized by you.

IV. You are responsible for protecting your systems from malware, unauthorized access, key compromise, or transaction manipulation.

V. Any backup, recovery, key-management, or embedded wallet functionality, if offered, is provided solely as a convenience and does not create custody, control, or fiduciary responsibility on the part of Kettle.

VI. Kettle may collect and transmit onboarding information to Liquidity Partners and service providers for compliance, fraud prevention, and service delivery purposes, and may disclose such information as required by law or legal process.

I. Applicable fees are disclosed in-app and may be updated with notice.

II. You authorize deduction of applicable fees from transactions where permitted.

III. Fees imposed by Liquidity Partners, banks, blockchain networks, or protocols may apply independently.

I. You agree to use the Services only for lawful business purposes.

II. You must maintain accurate and current account information.

III. You must respond to compliance inquiries as required.

IV. You bear all taxes, duties, and reporting obligations arising from your use of the Services.

V. Kettle does not provide tax, legal, or investment advice and does not undertake any obligation to issue IRS Forms 1099 or similar documents.

I. Use of the Services in violation of law is prohibited.

II. You may not engage in money laundering, sanctions evasion, terrorist financing, or fraud.

III. You may not interfere with blockchain networks, smart contracts, or the Services.

IV. You may not misrepresent Kettle as a bank, custodian, money transmitter, settlement intermediary, fiduciary, or guarantor.

I. Kettle relies on regulated Liquidity Partners for settlement and conversion.

II. Kettle may restrict or suspend access to comply with legal, regulatory, or contractual obligations.

III. Compliance Signals are informational only and do not constitute determinations of legality or compliance.

IV. Kettle may restrict interactions with sanctioned addresses as required by law.

I. All Kettle intellectual property is proprietary.

II. You receive a limited, revocable, non-transferable license to use the Services in accordance with these Terms.

III. The Services may incorporate open-source or third-party software components provided on an "as is" basis.

I. The Services integrate with third-party providers, protocols, and blockchain networks that Kettle does not control.

II. Use of third-party services is subject to their respective terms, conditions, and risk disclosures.

I. Digital Asset transactions are irreversible.

II. Incorrect addresses, network selection, or smart contract interactions may result in permanent loss.

III. Digital Assets are not legal tender, are not backed by any government, and are not insured by the Federal Deposit Insurance Corporation or any other governmental or private insurance program.

IV. Stablecoins are subject to issuer, redemption, liquidity, and regulatory risk.

V. Digital Assets and protocols may experience bugs, exploits, failures, reorgs, congestion, halts, or unexpected behavior.

VI. Gas fees and network conditions are variable and outside Kettle's control.

VII. Non-custodial use involves risk of total loss if keys or recovery credentials are lost or compromised.

VIII. Regulatory changes may affect availability or legality of the Services.

I. Merchants dealing in high-value goods may be subject to enhanced compliance review.

II. Merchants bear all commercial, pricing, and inventory risk.

III. Merchants may not represent Kettle as a compliance certifier or guarantor.

I. Kettle may suspend or terminate access for violations, risk concerns, or legal obligations.

II. Certain provisions survive termination.

I. The Services are provided "as is" and "as available."

II. Kettle disclaims all warranties to the fullest extent permitted by law.

I. Kettle is not liable for indirect, incidental, or consequential damages.

II. Aggregate liability is capped at the greater of USD 1,000 or fees paid in the prior six months.