Terms of Service

BitPal (the “Service”) is a blockchain-based stablecoin payment platform that provides peer-to-peer transfers, business payment collection, and automated payments by AI agents. The Service supports USDC and USDT tokens on the Base, Solana, BNB Chain, Polygon, Arbitrum, and Tron networks.

To use the Service, you must be at least 18 years of age and reside in a jurisdiction where cryptocurrency transactions are permitted under the applicable laws of the Republic of Korea or your country of residence. Residents of countries subject to U.S. OFAC sanctions may not use the Service.

You must provide accurate information when creating an account, and you are responsible for maintaining the security of your account credentials and wallet keys. If you suspect any unauthorized use of your account, you must notify the Service immediately. Using or sharing another person’s account is prohibited.

BitPal provides a non-custodial payment service. All transactions are protected by on-chain escrow smart contracts. Once a transaction has been recorded on the blockchain, it cannot be cancelled, and refunds are available only during the escrow period.

Transaction fees are displayed before each payment. A platform fee of 1.5% is charged on checkout transactions. Gas fees on supported chains are paid by BitPal. The fee policy may be changed upon prior notice.

During the escrow period, refunds are available at the request of the seller or the buyer. Unclaimed transactions are automatically refunded after 7 days. Once the escrow has been released, refunds are no longer possible and any issue must be resolved through the dispute process.

The following conduct is strictly prohibited: illegal activities, money laundering, sanctions evasion, terrorist financing, fraud, abuse of the Service, generating excessive traffic using bots, unauthorized access to another person’s account, and exploitation of vulnerabilities. Violations may result in immediate suspension of your account and may be reported to the relevant authorities.

BitPal is provided “as is,” and the Service is provided without any express or implied warranties. BitPal is not liable for losses arising from blockchain network failures, smart contract vulnerabilities, user error, market volatility, or failures of third-party services.

These Terms may be changed without prior notice. Material changes will be announced by email or through in-service notices. Continued use of the Service after a change constitutes your acceptance of the revised Terms.

These Terms are governed by and construed in accordance with the laws of the Republic of Korea, and the Seoul Central District Court shall have exclusive jurisdiction over any disputes. For international users, the laws of their country of residence may apply, in which case disputes will be resolved through arbitration by mutual agreement.