Effective Date: [03/08/2025]
Welcome to PayGemi! These Terms of Use outline your rights and obligations when using our services. By accessing or using PayGemi, you agree to comply with these terms. If you do not agree, please do not use our services.

1. Acceptance of Terms

By registering for an account, accessing our platform, or using our services, you acknowledge that you have read, understood, and agreed to these Terms of Use. PayGemi reserves the right to update these terms at any time. Continued use of our services after any modifications constitutes acceptance of the updated terms.

2. Account Registration & Responsibilities

• You must be at least 18 years old to register and use PayGemi’s services.
• You are responsible for providing accurate and up-to-date information during account registration.
• You must maintain the confidentiality of your login credentials and are fully responsible for all activities under your account.
• Any suspicious or unauthorized use of your account must be reported to PayGemi immediately.
• PayGemi reserves the right to suspend or terminate accounts suspected of fraudulent or prohibited activities.
  
  

3. Payment Services

PayGemi provides a secure payment platform for credit card transactions, bank transfers, and USDT payments. By using our services, you agree to the following:

• Transaction Fees: A standard 0.95% transaction fee applies unless otherwise specified.
• Processing Times: Transaction times may vary based on the payment method and banking institutions.
• Currency Conversion: If applicable, currency exchange rates are determined by PayGemi’s financial partners.
• Refunds & Disputes: Refund policies depend on the nature of the transaction and the recipient’s policies. PayGemi is not liable for disputes between buyers and sellers but will assist in resolving issues where possible.
  
  

4. Prohibited Activities

You agree NOT to use PayGemi’s services for the following prohibited activities:

• Engaging in fraud, money laundering, or illegal transactions.
• Processing payments related to unauthorized gambling, illicit content, drugs, weapons, or other prohibited goods/services.
• Attempting to bypass security measures, exploit system vulnerabilities, or conduct phishing scams.
• Using PayGemi for terrorist financing, Ponzi schemes, pyramid schemes, or deceptive marketing practices.
• Violating any local, national, or international laws in connection with your transactions.

PayGemi actively monitors transactions for fraudulent or illegal activities. Accounts found violating these policies will be suspended or permanently terminated without notice. We may also report unlawful activities to relevant authorities.

5. Security & Compliance

PayGemi prioritizes user security and regulatory compliance. Our measures include:

• KYC (Know Your Customer) & AML (Anti-Money Laundering) Compliance: Users may be required to verify their identity before transacting.
• Advanced Encryption: We use high-level encryption and fraud detection to protect personal and financial data.
• Two-Factor Authentication (2FA): Additional security measures may be required for account protection.

While we take all necessary precautions, users are responsible for securing their accounts and monitoring transactions.

6. Limitation of Liability

• PayGemi is a facilitator of payments and does not guarantee the performance of goods/services exchanged between users.
• PayGemi is not liable for financial losses caused by unauthorized access, technical failures, or disruptions beyond our control.
• Users assume full responsibility for their transactions and agree that PayGemi is not accountable for disputes with third parties.
  
  

7. Service Availability & Modifications

• PayGemi aims for 24/7 service availability but does not guarantee uninterrupted access due to maintenance, security updates, or unforeseen technical issues.
• We reserve the right to modify, suspend, or discontinue any aspect of our services at our discretion.
  
  

8. Changes to Terms

PayGemi may update these Terms of Use periodically. We will notify users of significant changes via email or platform notifications. Continued use of PayGemi after any updates constitutes acceptance of the revised terms.

9. Governing Law & Dispute Resolution

• These Terms are governed by the laws of [Country/Region].
• Any disputes arising from PayGemi’s services will be resolved through arbitration or mediation as per applicable regulations.
  
  

10. Contact Information

If you have any questions about these Terms of Use, please contact us:
Email: [email protected]
Office Address: 40 Wall Street, 28th Floor, New York, New York, 10005

By using PayGemi, you confirm your agreement to these Terms of Use.