TERMS OF SERVICE AND LIABILITY DISCLAIMER

1. ACCEPTANCE OF TERMS AND CONDITIONS
By accessing, registering for, or utilizing the services (collectively, the "Services") provided by EPAYHUB ("Company," "we," "us," or "our"), you ("User," "you," or "your") acknowledge that you have read, understood, and irrevocably agree to be legally bound by these Terms of Service ("Terms"). If you do not unconditionally accept these Terms in their entirety, you are expressly prohibited from using the Services and must discontinue all access immediately.

2. SERVICE DESCRIPTION AND NATURE OF OFFERINGS
The Services facilitate the issuance of prepaid payment instruments, the redemption of third-party gift cards, and the procurement of digital gaming credits. All prepaid instruments issued through the are strictly non-transferable and may only be redeemed by the registered account holder who originally purchased such instruments. These Digital Instruments are personal to the purchasing account, non-assignable to third parties, and may not be redeemed for cash or monetary value. Any attempt to transfer, sell, or otherwise convey these instruments to another party will result in immediate invalidation. Currently all services are offered in a beta testing phase and are subject to modification, suspension, or termination at our sole discretion. Any balances, credits, or funds held within the Service do not constitute legal tender, stored value, or any form of real-world currency and hold no monetary value outside the platform.

3. THIRD-PARTY DISCLAIMER AND INTELLECTUAL PROPERTY
The Company is not a bank, money transmitter, or licensed financial institution as defined by applicable law. Funds held within the Service are not insured by any deposit protection scheme, government guarantee, or similar safeguard. The Company does not offer, and nothing herein shall constitute, legal, tax, financial, or investment advice. Users are solely responsible for ensuring their use of the Service complies with all relevant laws, regulations, and tax obligations in their jurisdiction.

4. USER VERIFICATION AND COMPLIANCE OBLIGATIONS
As a condition of accessing the Services, you are required to:
- Provide accurate, current, and complete registration information.
- Successfully complete identity verification procedures as mandated by the Company.
- Validate account access through a verified mobile telephone number.
Failure to satisfy these requirements may result in immediate account suspension or termination without prior notice.
5. PROHIBITED CONDUCT AND ENFORCEMENT ACTIONS
The Company reserves the right to permanently terminate user accounts without refund or recourse if it determines, in its sole discretion, that you have engaged in any of the following prohibited activities:
- Utilization of anonymization tools, including but not limited to VPNs, proxy servers, or the Tor network.
- Falsification of geolocation data or circumvention of regional restrictions.
- Submission of fraudulent, stolen, or unauthorized payment instruments, including gift cards or credit/debit cards
- Impersonation, identity misrepresentation, or use of another individual’s personal or financial information
Any remaining account balances at the time of termination will be forfeited without compensation.

6. LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT GUARANTEE OF UNINTERRUPTED, SECURE, OR ERROR-FREE OPERATION.

IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO: - LOSS OF FUNDS, DATA, OR PROFITS DUE TO SERVICE INTERRUPTIONS, UNAUTHORIZED ACCESS, OR SYSTEM FAILURES. - USER MISUSE OF PREPAID CARDS, GIFT CODES, OR REDEMPTION MECHANISMS. - ACTS OR OMISSIONS OF THIRD-PARTY PROVIDERS, INCLUDING PAYMENT PROCESSORS, RETAILERS, OR FINANCIAL INSTITUTIONS.

7. FINANCIAL AND LEGAL DISCLAIMERS
The Company does not function as a bank, money transmitter, or financial institution under applicable law. No funds held within the Service are insured, guaranteed, or otherwise protected. The Company does not provide legal, tax, or investment advice, and users are solely responsible for compliance with all applicable regulations.

8. MODIFICATION OF TERMS
The Company reserves the unilateral right to amend, modify, or supplement these Terms at any time without prior notice. Continued use of the Services following such modifications constitutes your binding acceptance of the revised Terms.

9. DISPUTE RESOLUTION
Any disputes arising hereunder shall be resolved exclusively through individual inquery to service support.
**BY PROCEEDING WITH ACCOUNT REGISTRATION OR SERVICE UTILIZATION, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE REVIEWED, UNDERSTOOD, AND AGREED TO BE BOUND BY THESE TERMS IN THEIR ENTIRETY.