Terms of Service

Effective date: 28 July 2026

By accessing or using the NXOPAY website, you agree to these Terms of Service. If you do not agree, do not use the website.

1. Informational purpose only

The content of this website is provided for general information about NXOPAY and its platform. It does not constitute financial, legal, regulatory, tax, or investment advice, and should not be relied on as such.

2. No offer

Nothing on this website constitutes an offer of financial services, a solicitation, a recommendation, or a commitment by NXOPAY to provide any product or service. Any services NXOPAY provides are governed by separate written agreements and are subject to applicable regulatory approvals and provider arrangements.

3. Regulatory status

NXOPAY provides commerce program infrastructure. NXOPAY is not a licensed financial institution and does not provide regulated payment, banking, money transmission, or stored-value services. Regulated financial functions described on this website are performed by licensed payment, banking, acquiring, and alternative payment method partners under their own authorisations.

4. Statements about the platform

Descriptions of platform architecture, features, capabilities, performance, and deployment models are general descriptions of the NXOPAY platform and its design. Some features may be in development, may vary by deployment model, jurisdiction, or partner arrangement, and may change without notice. Performance figures shown on this website are engineering targets, not service commitments.

Historical operating figures shown on this website reflect prior operating experience of NXOPAY leadership and are not NXOPAY production volume.

Nothing on this website forms a representation, warranty, or contractual commitment. Binding terms are set out only in a signed agreement.

5. Acceptable use

You agree not to use the website for unlawful purposes, interfere with its security or operation, attempt to gain unauthorised access to any systems or information, or use automated means to scrape or extract content at scale without our written consent.

6. Intellectual property

All content on this website — including text, graphics, logos, trade marks, design, and software — is owned by or licensed to NXOPAY and protected by applicable intellectual property laws. You may view and print pages for your own internal business use. No content may otherwise be copied, reproduced, republished, or distributed without our prior written consent.

7. Third-party links

This website may link to third-party websites. We do not control them and are not responsible for their content, availability, or practices.

8. Disclaimer

The website and its contents are provided "as is" and "as available", without warranties of any kind, express or implied, to the maximum extent permitted by law. We do not warrant that the website will be uninterrupted, error-free, or free from harmful components.

9. Limitation of liability

To the maximum extent permitted by law, NXOPAY will not be liable for any indirect, incidental, consequential, or special damages, or for any loss of profit, revenue, data, or business, arising from your use of or inability to use this website.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

10. Governing law and disputes

These Terms are governed by the laws of the Kingdom of Bahrain, without regard to conflict of law principles. Any dispute arising out of or in connection with these Terms or your use of this website is subject to the exclusive jurisdiction of the courts of the Kingdom of Bahrain.

11. General

If any provision of these Terms is found unenforceable, the remaining provisions continue in effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms; we may assign them to an affiliate or in connection with a corporate transaction.

12. Changes

We may amend these Terms at any time by posting an updated version on this website. Your continued use after an update constitutes acceptance.

13. Contact

NXOPAY W.L.L., Kingdom of Bahrain