Legal
General Terms of Service
General conditions for M2Square websites, platform technology, APIs, and services where these Terms are incorporated into a customer agreement.
Last updated: 27 September 2026
1. Scope and contract structure
These Terms govern the customer's access to the M2Square technology platform, APIs, documentation, and any payment, collection, payout, settlement, FX, risk, or related workflow described in an applicable order form or service agreement. “Customer” means the business identified in that agreement.
Product schedules, pricing documents, data-processing terms, partner terms, and service-specific notices may also apply. They form part of the agreement in the priority stated in the relevant order form. M2Square is a brand and technology layer; the contracting and regulated entities may vary by product and market.
2. Eligibility and business use
Services are intended for eligible business customers, not for personal, family, or household use unless a product document expressly states otherwise. A person accepting an agreement on behalf of a customer represents that they have authority to bind it.
Access is subject to supported jurisdictions, customer type, risk assessment, sanctions restrictions, partner coverage, and any other eligibility requirements disclosed during onboarding.
3. Onboarding and compliance
The Customer must provide complete, accurate, and current information requested for know-your-customer, know-your-business, beneficial-owner, sanctions, anti-money-laundering, fraud, and other compliance reviews. The Provider may verify information directly or through specialist service providers and may request additional evidence at any time.
The Customer remains responsible for compliance obligations applying to its own business and end users. The Provider may decline, delay, restrict, or report activity where required by law, partner requirements, risk controls, or internal policy.
4. Services and provider roles
The Provider will make available only the services described in the applicable agreement. Certain capabilities may be delivered by banks, payment institutions, digital-asset providers, local payout partners, or other third parties. The responsible entity and any material service limitations are identified during onboarding or in the relevant product documentation.
Nothing in these Terms represents that every M2Square entity is licensed for every service or that a service is available in every jurisdiction. The Provider does not act as the Customer's fiduciary, adviser, or agent except where a signed agreement expressly creates a limited mandate for a particular service.
5. Accounts APIs and instructions
The Customer is responsible for safeguarding credentials, API keys, authorised-user access, devices, and security settings. It must promptly report suspected compromise and keep its technical integration compatible with current documentation.
Instructions submitted through an authenticated account, API, or agreed communication channel may be treated as authorised by the Customer. The Customer is responsible for the accuracy of beneficiary details, wallet addresses, amounts, currencies, routing data, and other instructions it provides.
6. Customer obligations
The Customer must:
- use the services only for lawful and accurately described business activities;
- obtain all permissions needed to provide customer and end-user data;
- maintain appropriate fraud, sanctions, AML, refund, and dispute controls;
- ensure its products, marketing, and customer communications comply with applicable law;
- respond promptly to compliance, transaction, and information requests; and
- maintain sufficient funds and operational controls to meet its obligations.
7. Transactions and settlement
Transaction acceptance, processing, and settlement are subject to cut-off times, funding, reviews, third-party networks, banking hours, destination rails, and supported methods. Any quoted processing time is an estimate unless a signed agreement expressly states a service level.
Transactions may be delayed, rejected, held, reversed, or adjusted for compliance review, insufficient funds, duplicate instructions, operational error, suspected fraud, chargebacks, refunds, sanctions, network rules, or legal requirements. The Customer must review reports and promptly raise discrepancies within any period stated in the applicable agreement.
8. Digital asset routes
Where a service supports stablecoins or another blockchain route, only expressly supported assets and networks may be used. The Customer must verify network compatibility and destination addresses. On-chain transfers may be irreversible and may be affected by congestion, protocol changes, forks, validator or custodian outages, and other events outside the Provider's control.
Unless expressly stated in a product agreement, neither M2SquarePay Corporation nor the technology platform issues a stablecoin, guarantees redemption, or guarantees the value of a digital asset. Separate issuer, wallet, custodian, or network terms may apply.
9. Fees taxes and reconciliation
Fees, minimum charges, settlement rates, reserve requirements, and payment terms are stated in the order form or pricing schedule. The Customer authorises agreed fees, partner charges, refunds, reversals, chargebacks, and other amounts due to be deducted or netted from settlement where permitted by the agreement.
The Customer is responsible for taxes applying to its business or transactions, except taxes imposed on the Provider's net income. FX conversions may include a disclosed spread or rate source, and intermediary institutions may impose additional charges.
10. Prohibited use
Services must not be used for illegal activity, fraud, sanctions evasion, money laundering, terrorist financing, deceptive or unauthorised financial services, infringement, human exploitation, illegal gambling, unlawful weapons or drugs, or any activity prohibited in the applicable product or compliance schedule.
The Provider may apply additional restricted-business rules based on jurisdiction, partner requirements, risk appetite, and service type. Approval of a Customer does not approve an undisclosed business model, market, product, or end-user activity.
11. Third-party providers
The Provider may use affiliates, subcontractors, banks, payment networks, liquidity providers, verification services, and other partners to deliver the services. Third-party rules and outages may affect availability. The Customer must comply with partner terms disclosed for the relevant service.
12. Service availability and changes
The Provider may maintain, update, replace, or discontinue a feature, integration, asset, payment method, or corridor where reasonably required for security, law, partner coverage, or service operation. Where practicable, material changes affecting an active contracted service will be communicated in advance.
13. Data confidentiality and privacy
Each party must protect the other party's non-public business, technical, and customer information and use it only for the agreement, legal compliance, or another permitted purpose. Confidentiality does not apply to information lawfully public, already known without restriction, independently developed, or lawfully received from a third party.
Personal information is handled under the Privacy Policy and any service-specific data-processing terms. The Customer represents that it has a lawful basis to provide personal data and instructions to the Provider.
14. Intellectual property
Each party retains its pre-existing intellectual property. The Customer receives a limited, non-exclusive, non-transferable, revocable right to use the platform, APIs, and documentation during the service term for its internal business purposes. The Customer may not resell, reverse engineer, copy, or create derivative works except where expressly permitted in writing or by law.
15. Records notices and electronic communications
Platform records, transaction identifiers, logs, and agreed reports may be used to evidence instructions and activity, subject to correction of proven error. The Customer consents to receiving operational and legal communications electronically at its registered contact details and must keep them current.
16. Warranties and disclaimers
Each party represents that it has authority to enter into the agreement and will comply with laws applicable to its own obligations. Except for commitments expressly stated in a signed agreement, services are provided “as available”. No implied warranty of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted operation applies to the extent such warranty may lawfully be excluded.
17. Limitation of liability
To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, exemplary, punitive, or consequential loss, or loss of profit, revenue, goodwill, opportunity, or anticipated savings. Any aggregate liability cap and exclusions are those stated in the signed service agreement.
Nothing excludes liability that cannot lawfully be excluded, including liability that an applicable agreement preserves for fraud, wilful misconduct, gross negligence, confidentiality, data protection, intellectual-property infringement, or payment obligations.
18. Indemnity
To the extent stated in the signed service agreement, the Customer is responsible for third-party claims, losses, and reasonable costs arising from its unlawful activity, inaccurate instructions, prohibited business, breach of data obligations, end-user relationship, or material breach of the agreement. Defence procedures and any Provider indemnity are governed by the signed service agreement.
19. Suspension and termination
The service term and ordinary termination rights are stated in the applicable agreement. The Provider may suspend or terminate access where reasonably necessary because of non-payment, security risk, prohibited activity, material breach, sanctions, suspected fraud, partner withdrawal, insolvency, or legal or regulatory requirements.
Termination does not affect accrued fees, completed or pending transaction obligations, record-retention duties, or provisions intended to survive, including confidentiality, intellectual property, liability, indemnity, and dispute provisions.
20. General provisions
The Provider may subcontract service functions while remaining responsible as provided in the applicable agreement. Neither party may assign the agreement except as permitted there. A party is not responsible for delay caused by events beyond its reasonable control, subject to any continuity obligations.
If a provision is unenforceable, the remaining provisions stay effective. Failure to enforce a provision is not a waiver. The governing law, dispute forum, notices, language priority, and order of precedence are those stated in the signed agreement or order form.
21. Public website use
Website visitors may use public content for lawful information and business evaluation. Website content is not legal, investment, tax, or financial advice and is not an offer or guarantee of service availability. Visitors must not interfere with the website, attempt unauthorised access, introduce malicious code, or use content to mislead another person.