Terms of Use and Institutional Policy

1. Who We Are

CRUZIAPAY LTDA, headquartered at R. João Huss, 1331, Gleba Fazenda Palhano, Londrina, PR, CEP 86050-490, is a payment facilitator that connects companies to local payment methods in Brazil and Latin America. Payment operations are executed by institutions authorized to operate in the Pix arrangement. CruziaPay is not a financial institution nor a payment institution authorized by the Central Bank of Brazil.

2. Acceptance

By accessing the website or platform, the user declares to have read and accepted these Terms and the Privacy Policy. Those who do not agree must discontinue use. The contracting of payment services depends on a specific commercial agreement, which shall prevail over these Terms.

3. Services

CruziaPay offers collection via Pix, credit and debit cards, boleto, Pix installments, digital wallets and local payment methods in Latin America, as well as payouts, split payments, recurring billing, REST API, webhooks, reconciliation, and organization of national and international settlement.

4. Registration and Eligibility

The services are intended exclusively for regularly constituted legal entities, in Brazil or abroad. Registration depends on KYC, KYB, and AML/CFT analysis, and CruziaPay may refuse, suspend, or terminate the relationship when the analysis is not satisfactory. The Client is responsible for the veracity and updating of the information provided.

5. Prohibited Activities

It is forbidden to use CruziaPay for illegal activities, the sale of products or services prohibited by law, pyramid schemes, fraud, money laundering, terrorism financing, intellectual property infringement, or any operation that does not correspond to the activity declared at registration.

Clients in the fixed-odds betting sector are only accepted upon proof of current authorization from the Secretariat of Prizes and Betting of the Ministry of Finance, pursuant to Law No. 14,790/2023. The full list of restricted activities is contained in the commercial agreement.

6. Client Obligations

The Client must keep their API credentials confidential, implement the integration according to the documentation, correctly inform payers about their products, prices, and refund policies, cooperate with compliance information requests, and be liable to their own customers for the products and services sold.

7. Settlement, Fees, and Withholdings

Settlement terms, currencies, fees, and foreign exchange conditions are defined in the commercial agreement. CruziaPay may withhold or block funds in case of suspected fraud, legal or judicial determination, payment dispute, or breach of these Terms, notifying the Client whenever permitted by law.

8. Availability

CruziaPay employs reasonable efforts to keep the platform available 24 hours a day, but does not guarantee uninterrupted operation, as there may be downtime due to maintenance, partner failures, the Pix arrangement, or third parties. The code examples and endpoints displayed on the site are illustrative until the publication of official documentation.

9. Intellectual Property

The CruziaPay brand, the website, the platform, the API, and its contents belong to CRUZIAPAY LTDA or its licensors. Reproduction, reverse engineering, or use of the brand without prior written authorization is prohibited.

10. Limitation of Liability

CruziaPay is not liable for indirect damages, lost profits, failures caused by third parties, incorrect information provided by the Client, or use of the platform in disagreement with these Terms. CruziaPay's total liability is limited to the provisions of the commercial agreement.

11. Compliance Commitment

CruziaPay maintains a risk-based anti-money laundering and terrorism financing prevention program, with identification of clients and ultimate beneficial owners, continuous monitoring of transactions, verification against restrictive lists, and reporting of suspicious operations to the competent authorities, pursuant to Law No. 9,613/1998. CruziaPay adopts zero tolerance for corruption, pursuant to Law No. 12,846/2013.

12. Amendments, Communications, and Jurisdiction

These Terms may be amended at any time, with the publication of the new version on the website. Communications must be sent to comercial@cruziapay.com.br. Brazilian legislation applies, and the courts of the District of Londrina/PR are hereby elected.