Terms of Service

Effective date: 2 November 2026

These Terms of Service (the “Terms”) are a binding agreement between you and Orboni (“Orboni”, “we”, “us” or “our”). They govern your access to and use of the website orboni.com, the merchant dashboard, the application programming interface (the “API”), the hosted payment pages, the documentation, software development kits, smart contracts published by us and any related software or services (together, the “Service”).

Please read these Terms carefully. They contain important limitations of our liability, a disclaimer of warranties, your obligation to indemnify us, a one-year limit on bringing claims and a choice of law and forum. By creating an account, clicking to accept, or accessing or using the Service in any way, you confirm that you have read, understood and agree to be bound by these Terms, our Privacy Policy and our Acceptable Use Policy, which form part of these Terms. If you do not agree, do not use the Service.

1. Who may use the Service

1.1. Business use only. The Service is offered exclusively to businesses, sole traders and other persons acting for purposes relating to their trade, business, craft or profession (“Merchants”). It is not offered to consumers. By using the Service you represent and warrant that you are acting in a business capacity and not as a consumer within the meaning of any applicable consumer protection law. If you accept these Terms on behalf of a company or other legal entity, you represent and warrant that you have authority to bind that entity, and “you” refers to that entity.

1.2. Eligibility. You must be at least 18 years old and have full legal capacity to enter into contracts. You may not use the Service if you, or any person who owns or controls you, (a) is the subject or target of any sanctions administered or enforced by the European Union, the United Nations, the United Kingdom, the United States (including OFAC) or any other relevant authority; (b) is located, organised or resident in a country or territory subject to comprehensive sanctions; or (c) has previously been suspended or removed from the Service by us.

1.3. No right to the Service. We may refuse to open an account, or refuse to provide the Service, to anyone, for any reason or no reason, at our sole discretion.

2. What Orboni is — and what it is not

2.1. Software only. Orboni provides non-custodial software that lets a Merchant display a crypto-asset payment request to its customers (“Buyers”), observes public blockchains for transfers made to wallets the Merchant controls, and notifies the Merchant (for example through the dashboard and webhooks) of what it has observed.

2.2. We never hold your funds. Payments made by Buyers are sent directly from the Buyer’s wallet to a wallet address controlled by the Merchant, or, on networks where the Service uses forwarding contracts, to a single-purpose smart contract that can only transfer the assets it receives to the Merchant’s own wallet address. At no time do we take possession, custody or control of any Buyer’s or Merchant’s crypto-assets, funds or private keys, and at no time do we have the ability to move them, freeze them, reverse them or return them.

2.3. What we are not. Orboni is not a bank, payment institution, electronic money institution, money transmitter, payment processor, acquirer, crypto-asset service provider, exchange, broker, custodian, wallet provider, escrow agent, fiduciary, financial adviser or trustee. We do not execute, transmit, exchange or settle any transfer of value. We do not provide custody or administration of crypto-assets on behalf of others, exchange crypto-assets for funds or other crypto-assets, execute or transfer orders, or provide advice on crypto-assets. Nothing in the Service or in our communications is financial, investment, legal, tax or accounting advice.

2.4. We are not a party to your sales. Any contract for the sale of goods or services, or any other transaction, is solely between the Merchant and the Buyer. We are not a party to it, we are not the seller of record, and we are not responsible for the goods or services, their delivery, quality, legality or description, or for any dispute, chargeback-like claim, refund or complaint between a Merchant and a Buyer.

2.5. Information, not confirmation of title. A status shown by the Service (for example “paid”, “underpaid”, “expired” or “late”) and any webhook we send is a notification of what our software has observed on a public blockchain at a given moment, based on data obtained from third parties. It is not a guarantee that a payment was made, is final, is irreversible, came from a particular person or was lawfully obtained. You are solely responsible for deciding whether and when to deliver goods or services.

3. Your account

3.1. You must provide accurate, current and complete information when you register and keep it up to date. You are responsible for all activity under your account and your API keys, whether or not authorised by you.

3.2. You must keep your password, two-factor authentication device, API keys and webhook signing secrets confidential and secure, and notify us without delay at support@orboni.com if you suspect any unauthorised access. We are not liable for any loss arising from unauthorised use of your credentials, including where a third party uses your API key to create payment sessions or changes your wallet settings.

3.3. We may, but are not obliged to, ask you for information about you, your business, your beneficial owners, your website and your customers at any time, and may suspend the Service until you provide it to our satisfaction. You authorise us to make any enquiries we consider necessary to verify the information you provide.

4. Wallets, keys and addresses

4.1. Your wallets are your responsibility. You alone choose, control and secure the wallet addresses and extended public keys (such as an xpub, ypub, zpub or Ltub) you enter into the Service. You must only enter addresses and keys of wallets for which you, and only you, hold the private keys or recovery phrase. You must not enter an exchange deposit address, a custodial account address, a smart contract address that cannot receive the relevant asset, or any address you do not control.

4.2. We cannot recover anything. We never ask for and never hold your private keys or recovery phrase. If you lose them, or if they are stolen or compromised, any crypto-assets sent to your wallets may be permanently lost. We cannot help you recover them.

4.3. Checking your settings. You must verify that every address and key you enter is correct, belongs to the right network and is able to receive every asset you enable. Where the Service shows you addresses derived from an extended public key, you must compare them with those shown by your own wallet before accepting live payments. We are not responsible for any loss caused by an incorrect, outdated, incompatible or compromised address or key, by your wallet software failing to show derived addresses (for example because of its address gap limit), or by an asset that your wallet or address cannot receive, including a Stellar trustline you have not opened.

4.4. Forwarding contracts. On networks where the Service uses forwarding smart contracts, each payment address is a contract address that can transfer what it receives only to the wallet address you configured when the payment was created. Forwarding requires a later on-chain transaction and therefore takes time; until it happens, the assets sit in the contract. Smart contracts can contain defects, and the networks they run on can change, fail or be attacked. Where such networks are marked as unavailable or “soon” in the Service, they are not offered. Any feature we label as beta, preview, test or experimental is provided purely at your own risk.

5. Blockchain and crypto-asset risks

You acknowledge and accept that crypto-assets and blockchains involve significant risks, which we do not control and for which we are not responsible, including:

• Irreversibility. Blockchain transfers cannot be cancelled or reversed once broadcast. A transfer sent to a wrong address, on a wrong network, in a wrong token, without the required memo, comment or destination tag, or with a wrong one, may be lost permanently.
• Buyer errors. Buyers may send too little, too much, too late, from an exchange that does not support the required reference, or in several parts. The Service applies the rules described in the documentation and in your settings, but cannot guarantee that every transfer will be matched to a payment.
• Volatility. The value of crypto-assets, including stablecoins, can change rapidly and fall to zero. Stablecoins can lose their peg, and their issuers can freeze, blacklist, seize or redeem tokens, including tokens in your wallet.
• Network events. Blockchains may suffer congestion, high fees, reorganisations, forks, halts, consensus failures, bugs, 51% attacks, changes to protocol rules or the discontinuation of a network or token.
• Third-party data. The Service relies on third-party node operators, indexers, API providers and price sources, which may be inaccurate, delayed, unavailable or discontinued.
• Regulatory change. Laws and regulatory positions concerning crypto-assets are uncertain and changing, and may restrict or prohibit your or our activities in some places.
• Taint and illicit funds. Assets you receive may have originated from unlawful activity, and third parties (including exchanges and token issuers) may freeze or refuse them.

6. Payments, prices and exchange rates

6.1. Quotes. When a payment session is priced in a fiat currency, the Service converts the price into an amount of crypto-asset using exchange rates obtained from third-party sources, and holds that amount for a limited time stated on the payment page. Rates are indicative only. We do not guarantee that any rate is accurate, current, the best available or the rate at which you could convert the assets you receive, and we have no liability for differences between the quoted amount and any market value at any time.

6.2. Confirmations and finality. The Service treats a transfer as final after the number of confirmations or the finality signal set for each network. These thresholds are our good-faith judgement, not a guarantee of finality. For high-value orders you should verify the transfer yourself on the blockchain before delivering.

6.3. Detection is not guaranteed. We do not warrant that every transfer will be detected, that it will be detected within any period, or that any notification or webhook will be delivered, delivered once, or delivered in order. You must design your integration to verify payments through the API, to handle duplicate and late notifications and to reconcile your records against the blockchain.

6.4. Refunds. Any refund to a Buyer is made by you, from your own wallet, at your own discretion and cost. Refund records in the Service are bookkeeping entries only. We do not make refunds and we are not obliged to compensate any Buyer.

6.5. Test mode. Test-mode sessions, simulated payments and test networks have no monetary value, may be reset at any time and must never be used to deliver goods or services of value.

7. Fees and invoices

7.1. Fees. You agree to pay the fees for completed live payments at the rate shown in your dashboard at the time the payment session is created (the “Fees”). Network fees for transfers sent by Buyers are paid by the Buyers. We may change the Fees by giving you at least 30 days’ notice through the dashboard or by email; the new Fees apply to sessions created after the change takes effect.

7.2. Monthly invoices. Because we never hold your funds, we cannot deduct Fees from payments. Instead, we issue an invoice after the end of each calendar month for the Fees accrued during it, if they reach the minimum invoice amount, and you must pay it in full, in the manner stated on the invoice, by its due date. Fees are owed for every payment that the Service has recorded as completed, whether or not you later refund the Buyer, cancel the order or fail to receive the assets in your wallet for any reason not attributable to us.

7.3. Non-payment. While any invoice is past due, we may, without further notice and without liability, refuse to create new live payment sessions for your account, suspend the Service or close your account, and we may recover the overdue amount together with statutory interest for late payment in commercial transactions and the costs of recovery, including the fixed compensation provided by law.

7.4. Taxes. All Fees are exclusive of value added tax and any other taxes, duties or levies, which you must pay in addition where applicable (including under the reverse-charge mechanism). You are solely responsible for determining, collecting, reporting and paying all taxes arising from your sales and from the crypto-assets you receive.

7.5. No refunds of Fees. Fees are non-refundable, except where we have charged them in error.

8. Your obligations and compliance

8.1. You are solely responsible for your business, your website, your products and services, your relationship with Buyers and your compliance with all laws and regulations that apply to you, including laws on consumer protection, distance selling, e-commerce, advertising, data protection, anti-money laundering and counter-terrorist financing, sanctions, export controls, gambling, taxation, accounting and crypto-assets (including any licensing, registration, “travel rule”, know-your-customer and reporting obligations that may apply to you).

8.2. You must give Buyers all information required by law, including your identity, the terms of sale and your refund policy, and you must not suggest that Orboni is the seller, guarantees your products, or is responsible for refunds.

8.3. You must comply with the Acceptable Use Policy. You must not use the Service for any unlawful, fraudulent or prohibited purpose, or to receive the proceeds of crime.

8.4. You must use the API in accordance with the documentation and any rate limits, keep your integration secure, verify the signature of every webhook, and not rely solely on redirects or client-side information to decide that a payment was made.

9. Personal data

9.1. Our processing of personal data about you as our customer is described in our Privacy Policy.

9.2. Data processing terms. Where, in providing the Service, we process personal data about your Buyers or other individuals on your behalf (for example the email address, order reference, metadata or IP address you or your Buyer submit to a payment session), you are the controller and we are your processor. In that case: (a) we process that data only on your documented instructions, which are these Terms and your use of the Service, unless the law requires otherwise; (b) we ensure that persons authorised to process it are bound by confidentiality; (c) we implement appropriate technical and organisational security measures; (d) you give us general authorisation to engage sub-processors, including those listed in the Privacy Policy, and we will inform you of intended changes through the Privacy Policy, giving you the opportunity to object by closing your account; (e) we assist you, taking into account the nature of the processing, with requests from data subjects and with your obligations on security, breach notification, impact assessments and prior consultation; (f) at the end of the Service we delete the data in accordance with our retention schedule unless the law requires storage; and (g) we make available information necessary to demonstrate compliance with Article 28 of the General Data Protection Regulation and allow for reasonable audits, at your cost, no more than once per year and on at least 30 days’ notice. You warrant that you have a lawful basis for, and have given all notices required for, any personal data you submit to the Service. Public blockchain data is not personal data that we control and cannot be altered or deleted by anyone.

10. Intellectual property

10.1. The Service, including its software, smart contracts, design, text, graphics, logos and trademarks, is owned by us or our licensors and protected by law. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable licence to use the Service for your internal business purposes during the term of your account.

10.2. You must not (a) copy, modify, distribute, sell or lease any part of the Service; (b) reverse engineer or attempt to extract its source code, except where the law expressly permits it; (c) access the Service to build a competing product; (d) circumvent any security, rate limit or access control; (e) scrape, crawl or load-test the Service without our written permission; or (f) remove any proprietary notice.

10.3. You grant us a worldwide, royalty-free licence to use your name and logo to identify you as a customer, unless you ask us in writing not to. If you send us feedback or suggestions, we may use them freely without any obligation to you.

11. Availability and changes to the Service

11.1. We may change, add or remove any feature, network, asset, integration or part of the Service, or discontinue the Service entirely, at any time. We will try to give reasonable notice of material changes where practicable, but are not obliged to.

11.2. The Service may be unavailable from time to time because of maintenance, updates, failures of our providers, attacks or events outside our control. We do not commit to any level of availability, uptime or response time, and no service level agreement applies unless signed separately in writing.

12. Suspension and termination

12.1. You may close your account at any time. Closing your account does not affect Fees already accrued, which remain payable.

12.2. We may suspend or restrict your access to the Service, refuse or stop any payment session, or terminate these Terms and close your account, at any time, with or without notice and without liability, including if we believe that you have breached these Terms or the Acceptable Use Policy, if you have not paid an invoice, if we are required to do so by law or by a competent authority, if your use exposes us, other users or third parties to risk or liability, or if we discontinue the Service. Where the law allows, we are not obliged to give you our reasons.

12.3. Because we do not hold your funds, suspension or termination does not prevent you from accessing the crypto-assets already in your wallets. After termination, payments sent by Buyers to your addresses will still reach you, but the Service may no longer detect or report them.

12.4. Sections 2, 4.2, 5, 6.3, 6.4, 7, 9, 10, 13 to 17 and 19, and any other provision that by its nature should survive, survive termination.

13. Disclaimer of warranties

To the maximum extent permitted by applicable law, the Service is provided “as is”, “as available” and “with all faults”, without any warranty, representation, guarantee or condition of any kind, whether express, implied or statutory. We expressly disclaim all warranties, including any implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, title, non-infringement, accuracy, and any warranties arising from course of dealing or usage of trade. In particular, we do not warrant that the Service will be uninterrupted, timely, secure or error-free; that any transfer will be detected or correctly matched; that any webhook will be delivered; that any exchange rate, network fee estimate or other information is accurate; that any smart contract is free of defects; or that the Service is lawful to use in your jurisdiction. To the extent permitted by law, any statutory warranty for defects (including rękojmia under the Polish Civil Code) is excluded.

14. Limitation of liability

14.1. To the maximum extent permitted by applicable law, in no event will we, our affiliates, or our or their owners, directors, officers, employees, contractors, agents, licensors or suppliers (the “Orboni Parties”) be liable for any: (a) loss of profits, revenue, sales, business, contracts, goodwill or anticipated savings; (b) loss, theft or devaluation of crypto-assets or funds; (c) loss or corruption of data; (d) costs of procuring substitute services; (e) losses caused by errors of Buyers, of you, of your wallet or of any blockchain, token issuer, node operator, data provider, exchange or other third party; or (f) indirect, incidental, special, consequential, exemplary or punitive damages; in each case however caused, under any theory of liability (contract, tort including negligence, strict liability or otherwise), even if we have been advised of the possibility of such loss.

14.2. To the maximum extent permitted by applicable law, the total aggregate liability of the Orboni Parties arising out of or relating to these Terms or the Service, for all claims together, will not exceed the greater of (a) the Fees you actually paid to us in the twelve (12) months preceding the event giving rise to the first claim and (b) one hundred euros (EUR 100).

14.3. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for damage caused intentionally. These limitations apply even if a remedy fails of its essential purpose, and they are an essential basis of the bargain between us: the Fees would be substantially higher without them.

15. Indemnification

You will defend, indemnify and hold harmless the Orboni Parties from and against any and all claims, demands, proceedings, investigations, fines, penalties, losses, damages, liabilities, costs and expenses (including reasonable legal fees) arising out of or relating to: (a) your use of the Service; (b) your products, services, website or business; (c) any transaction or dispute between you and a Buyer or any other person; (d) your breach of these Terms, the Acceptable Use Policy or any law; (e) your infringement of any third-party right; (f) any personal data you submit to the Service; or (g) any taxes arising from your activities. We may take exclusive control of the defence of any such claim at your expense, and you will cooperate with us.

16. Time limit for claims

To the maximum extent permitted by applicable law, any claim arising out of or relating to these Terms or the Service must be brought within one (1) year after the facts giving rise to it occurred, or it is permanently barred.

17. Governing law and disputes

17.1. These Terms, and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or the Service, are governed by the laws of the Republic of Poland, excluding its conflict-of-laws rules and the United Nations Convention on Contracts for the International Sale of Goods.

17.2. The common courts having jurisdiction over our registered seat in Poland have exclusive jurisdiction to settle any such dispute, and you irrevocably submit to their jurisdiction. We may nevertheless bring proceedings against you in the courts of your domicile or seat, or seek injunctive relief in any court of competent jurisdiction.

17.3. To the maximum extent permitted by applicable law, any proceedings will be conducted only on an individual basis and not as a class, collective, consolidated or representative action, and you waive any right to a jury trial.

17.4. Before starting any proceedings, you agree to contact us at support@orboni.com and to try in good faith to resolve the dispute informally for at least 30 days.

18. Changes to these Terms

We may amend these Terms at any time. We will publish the amended Terms on this page with a new effective date and, for material changes, notify you by email or through the dashboard at least 14 days before they take effect, unless the change is required by law or concerns new features, in which case it may take effect immediately. If you do not agree to the amended Terms, you must stop using the Service and close your account before they take effect; continuing to use the Service afterwards means you accept them.

19. General

19.1. Entire agreement. These Terms, together with the documents they refer to, are the entire agreement between you and us about the Service and supersede all prior agreements, proposals and representations. You have not relied on any statement not set out in them. Any terms you include in an order, purchase order or other document do not apply.

19.2. Severability. If any provision of these Terms is found invalid or unenforceable, it will be enforced to the maximum extent permissible and limited or modified to the minimum extent necessary, and the remaining provisions remain in full force.

19.3. No waiver. Our failure or delay in enforcing any right is not a waiver of it.

19.4. Assignment. You may not assign or transfer these Terms or any right under them without our prior written consent. We may assign or transfer them, in whole or in part, including to a successor or an affiliate, without your consent.

19.5. Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including blockchain failures, forks or attacks, failures of hosting, network, data or third-party providers, cyber-attacks, power failures, changes in law, acts of authorities, war, terrorism, pandemics, natural disasters or labour disputes.

19.6. Relationship. We are independent contractors. Nothing in these Terms creates any partnership, joint venture, agency, fiduciary or employment relationship, and there are no third-party beneficiaries of these Terms other than the Orboni Parties under Sections 14 and 15.

19.7. Notices and electronic communications. We may give you notices by email to the address on your account, through the dashboard or by posting them on the Service. You agree that all agreements, notices and other communications we provide electronically satisfy any legal requirement that they be in writing. Notices to us must be sent to support@orboni.com.

19.8. Language. These Terms are written in English. Any translation is provided for convenience only; if there is any conflict, the English version prevails.

20. Contact

Questions about these Terms can be sent to support@orboni.com.