Effective Date: September 2025

1. Introduction

Welcome to Lois Pay (“Lois,” “Lois,” “we,” “our,” or “us”). By accessing or using the Lois Pay website or any related services (collectively, the “Services”), you agree to be bound by these Terms and Conditions (“Terms”).

If you do not agree, you may not use our Services.

2. Eligibility

• You must be 18 years or older to use Lois Pay.
• By using our Services, you represent that you are legally capable of entering into a binding agreement and are not located in a restricted or sanctioned jurisdiction.

3. Services

Lois Pay provides a global e-Carding platform, which may include:

• Fiat and stablecoin services
• Virtual credit cards
• Loans and related financial products

All Services are subject to change or discontinuation at our discretion.

4. Account Registration

• You must create an account and provide accurate, complete information.
• You agree to keep your credentials secure and notify us immediately of any unauthorized access.

5. Compliance & Verification

• You agree to comply with all applicable laws and regulations, including AML/CTF, KYC/KYT, and international financial standards.
• Lois Pay may request identity verification and decline or terminate accounts that fail compliance checks.

6. Fees and Payments

• Fees for deposits, withdrawals, card issuance, or loans are disclosed within the platform.
• By using our Services, you agree to pay all applicable fees.

7. Risk Disclaimer

• Cryptocurrency and virtual card transactions carry inherent risks, including market volatility, fraud, and regulatory changes.
• Lois Pay is not responsible for any losses arising from market fluctuations or third-party service providers.

8. Prohibited Activities

You may not use our Services for:

• Money laundering, terrorism financing, fraud, or illegal activities.
• Attempting to bypass verification or security measures.
• Violating any applicable laws or third-party rights.

9. Limitation of Liability

• To the maximum extent permitted by law, Lois Pay is not liable for indirect, incidental, or consequential damages.
• Our liability for any claim will not exceed the total amount of fees paid by you in the 12 months preceding the claim.

10. Intellectual Property

All content, trademarks, and technology used in the Services remain the property of Lois Pay or its licensors. You may not copy, reproduce, or exploit any part of the Services without written consent.

11. Termination

• We reserve the right to suspend or terminate accounts at our discretion for violations of these Terms, legal requirements, or risk concerns.

12. Changes to the Terms

Lois Pay may update these Terms at any time. Continued use of the Services after changes constitutes acceptance of the new Terms.

13. Contact

For any questions regarding these Terms, use our online chat or email: info@lois.finance