License terms

1. Agreement and license

These terms cover the Wholly Crypto website, proprietary merchant software, updates and processing-credit service. “We” means the Wholly Crypto operator; “you” means the person or business using them. You must have authority to act for your business. Use the support channel provided with your merchant account for legal, licensing or billing questions. A separately signed agreement takes precedence where it expressly conflicts.

Subject to these terms and your commercial arrangement, you receive a limited, non-exclusive license to install and run the distributed application for your merchant operations. It is not open-source software. No permission to publish our proprietary source, commercially redistribute the application, or use our marks as your own is granted. Restrictions on modification or reverse engineering apply only where lawful. Third-party components retain their own license rights and notices.

2. Your server, keys and customers

You administer your merchant installation and control its wallets. You are responsible for configuration, access permissions, firewall and DNS rules, HTTPS, credentials, integrations, updates, capacity, monitoring and tested off-server backups. Generated wallets are hot wallets: compromise of your server, administrator device, backup or integration can expose funds.

Secure recovery phrases, private keys and encryption-key backups. Test recovery and payments before accepting material amounts. The credit connection does not send your merchant wallet keys to us. We cannot recover keys we do not hold or reverse blockchain transfers. Support is not a recovery guarantee. Never send keys or phrases to support.

You are responsible for your products, fulfilment, customer policies, refunds, taxes, legal compliance and personal-data handling. We are not the seller of your products, a party to your customer transactions or a guarantor of any merchant. Customers must contact their merchant about purchases and refunds.

3. Payment and infrastructure risks

Verify networks, token contracts, addresses, amounts and fees. Risks include wrong-network transfers, malicious or unsupported tokens, insufficient gas, frozen assets, price movements, reorganizations, double spends, chain halts, inadequate confirmations, delayed scanning, provider rate limits and inaccurate market data. Transfers are generally irreversible.

Confirmations, zero-confirmation acceptance, tolerances, spreads, sweeps and refund automation are your decisions. An invoice status, callback, redirect or displayed balance is not insurance or a guarantee of final payment. Independently check unusual or high-value payments and monitor exceptions. Public endpoints do not guarantee capacity or availability.

Hosting, nodes, exchanges, networks, DNS and certificate services operate independently and have their own terms. We do not control their availability, security or accuracy. Market information is not financial, investment, tax or legal advice. Asset names and logos do not imply endorsement.

4. Processing fees and credits

The default processing rate is 1% of the invoice’s original fiat face value; your assigned rate is shown in Settings → Fees. A fee is recorded when a payment is settled under the configured workflow. Different invoice and billing currencies are converted using an independently sourced billing rate. Fees come from prepaid service credits, not an automatic deduction from your customer’s on-chain transfer. Network fees, hosting, third-party costs and any merchant-configured spread are separate.

Credit purchases are separate payments to the service operator’s receiving wallets. Credits prepay processing services: they are not customer-fund custody, a bank deposit, an investment or interest-bearing funds. They are not transferable or cash-withdrawable, except for refunds required by law or agreed with us.

Check the top-up asset, network, amount and deadline. Confirmations are required before crediting. Late, partial, duplicate, wrong-network or excess payments may require investigation; recovery is not guaranteed. Contact us with the reference about errors, and do not pay again merely because verification is delayed. Any recovery network costs must be agreed before they are incurred.

A new installation receives one welcome grant worth 10 USD on its first billing activation, converted into its billing-account currency where applicable. It cannot be withdrawn, is not repeated on reconnect or restore, and is not retrospectively granted to existing paired accounts by an update. Creating repeated identities to obtain grants is prohibited.

Keep a working billing connection. In current merchant versions, exhausted credits do not prevent checkout creation or receipt of customer payments. Instead, IPN, webhook delivery and Sweep pause until sufficient credit is restored. Processing fees continue to accrue, and retained pending notifications may be delivered after recovery. Billing verification failures and account suspensions can still restrict new invoices; an outage does not mean free processing. Adjustments and reviewed reversals remain in the audit history. Optional billing details are snapshotted on each payment. Your first entry becomes the default; later per-payment edits do not replace existing defaults.

5. Lawful use and security

Do not falsify invoice values or payment evidence, manipulate credits, bypass agreed charges, abuse promotions, gain unauthorized access, or use the services for unlawful activity, fraud, phishing, malware or spam. You remain responsible for your business’s legal obligations.

We may reasonably restrict the credit service to address fraud, abuse, security risks, unpaid charges or legal requirements. Where practicable we will explain the reason and allow correction. This does not give us your merchant keys or ownership of your funds.

6. No warranties

To the fullest extent permitted by applicable law, the software and services are provided “as is” and as available. We disclaim express, implied and statutory warranties, including merchantability, satisfactory quality, fitness for a particular purpose, title and non-infringement, insofar as they may be excluded.

We do not guarantee uninterrupted or error-free operation, compatibility with every chain or token, accurate or timely prices or payment detection, protection from every attack, recovery of data or funds, or suitability for your business or legal requirements. Documentation, support and security measures do not create a guarantee. You assess suitability and operate the software at your own risk, subject to mandatory rights.

7. Limits of liability

To the fullest extent permitted by law, Wholly Crypto and its owners, personnel, contributors and suppliers are not liable for losses arising from use of or inability to use the software or services, including lost or stolen cryptocurrency; missing keys; misconfiguration; mistaken transactions; unauthorized access; hacks; malware; phishing; spam; denial-of-service attacks; third-party failures; payment or pricing errors; lost data, profits or revenue; business interruption; or indirect, incidental, special, consequential or punitive damages. This applies to claims in contract, tort, negligence or otherwise, even where a risk was reported.

Where liability cannot be excluded but may lawfully be limited, aggregate liability is limited to processing fees actually paid by you for the affected services in the twelve months before the event giving rise to the claim. Customer funds, cryptocurrency value and unused prepaid credits are not processing fees for this calculation. This does not remove rights to correction of an erroneous credit charge or any refund required by law.

Nothing excludes or limits liability for fraud, fraudulent misrepresentation, intentional misconduct, death or personal injury caused by negligence, gross negligence where exclusion is prohibited, or any other liability that applicable law does not allow to be excluded or limited. Mandatory consumer rights remain intact. These terms cannot guarantee immunity from every claim.

8. Third-party claims

Where lawful, you must reimburse reasonable losses and costs from third-party claims caused by your unlawful use, material breach, infringement of others’ rights, or your products and customer commitments. This does not cover our own unlawful conduct or obligations that cannot be transferred to you. We will provide reasonable notice, allow appropriate participation in the defence, and not settle a claim by imposing an admission or non-monetary obligation on you without consent.

9. Changes and disputes

Material changes will be identified by a new version and communicated through the website or application as appropriate. An update does not silently record agreement for an existing administrator or retrospectively alter completed transactions. Mandatory notice and consent rights remain applicable. Review changes before using affected services.

The privacy policy explains data handling. Raise disputes through the support channel provided with your merchant account. Governing law and jurisdiction follow any valid separate agreement. Otherwise, they are determined under applicable law, without limiting mandatory rights. If a provision is unenforceable, the remainder continues to apply where lawful.