Terms And Conditions

Terms and Conditions
Effective Date: October 2025
1. Introduction
Welcome to LoisPay (“Lois,” “LoisPay Pro,” “we,” “our,” or “us”). By accessing
or using the https://loispay.io/ 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 LoisPay.
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
LoisPay 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.
LoisPay 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.
LoisPay 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:
LoisPay 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 LoisPay 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
LoisPay 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 online chat or email: 
info@loispay.io