Last updated: June 27, 2025


Please read these terms and conditions carefully before using Our Service.

Interpretation and Definitions

Interpretation
The words whose initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions
For the purposes of these Terms and Conditions:
Affiliate
Means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Country refers Poland
Company(referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Palwallet SP. Z O.O, Poland
Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.

Service refers to the Website.

Terms and Conditions (also referred as “Terms”) mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.

Third-party Social Media Service
means any services or content (including data, information, products or services) provided by a third party that may be displayed, included or made available by the Service.


Website refers to Palwallet, accessible from PalWallet.com and our platform Palpayments.com
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.


Acknowledgment
These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.
Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions.
These Terms and Conditions apply to all visitors, users and others who access or use the Service.
By accessing or using the Service You agree to be bound by these Terms and Conditions.


If You disagree with any part of these Terms and Conditions then You may not access the Service.
You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.
Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company.
Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You.
Please read Our Privacy Policy carefully before using Our Service.


PLACING ORDERS FOR SERVICES
The platform makes it possible to convert fiat money to cryptocurrency and send it to a blockchain address.
By placing an Order through the Service, You warrant that You are legally capable of entering into binding contracts.

ACCOUNT
The customer may only have one Account with the Company and only if it is legal to do so in the Customer’s country of residence. All the other accounts except the initially created and verified one are considered duplicates and cannot be verified and used.
By opening an Account the Customer represents and warrants to the Company that the opening of an Account does not violate any 


laws or regulations applicable to the Customer.

The customer’s Account is denominated in a currency of the Customer’s choice, as selected by the Customer from the available currencies.

To use the Account, Customer must first register the Account, by providing Customer’s information on the Platform. As part of the registration process Customer will need to accept this Agreement and Customer must have legal capacity to accept the same.
You are responsible for safeguarding the password that You use to access the Service and for any activities or actions under Your password.


You agree not to disclose Your password to any third party.
You must notify Us immediately upon becoming aware of any breach of security or unauthorized use of Your account.
You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than You without appropriate authorization, or a name that is otherwise offensive, vulgar or obscene.


YOUR INFORMATION
If You wish to create an Account, You may be asked to supply certain information relevant to You including, without limitation:
• Date of birth

• Passport or National ID card

• Name

• Surname

• Address and proof of it

• Video authentication during selfie authorization

• Email

You represent and warrant that:
(i) You have the legal right to use any credit or debit card(s) or other payment method(s) acceptable by the Platform in connection with any Order



(ii) the information You supply to us is true, correct and complete.


By submitting such information, You grant us the right to provide the information to payment processing third parties for purposes of facilitating the completion of Your Order.


Customer must ensure that the information recorded in the Account is always accurate, truthful, and up-to-date and Customer shall notify Customer promptly, but not later than within two weeks, of any changes.


As per The Company’s AML (Anti Money Laundering) / CFT (Combating the Financing of Terrorism) obligations and internal procedures, The Company may ask the Customer at any time to confirm the accuracy of the Customer’s information or to provide documents or other evidence.


It is strictly forbidden to use Customer’s Account for any illegal purposes, including, but not limited to, fraud and Money Laundering.
The Company will report any suspicious activity to the appropriate law enforcement agency.
Customer is prohibited from using Customer’s Account in an attempt to abuse, exploit or circumvent any restrictions imposed by the Company.


If the Client’s turnover at the Company account is over EUR 15,000.00, the Company asks to provide the Client’s source of funds.

ORDER CANCELLATION
We reserve the right to refuse or cancel Your Order at any time for certain reasons including but not limited to:
• You exceed the limit without verifying your account

• Your cryptocurrency wallet address does not pass through our transaction monitoring system

• Your cryptocurrency wallet address does not comply with our anti-money laundering policy

• You don’t have a sufficient amount to pay for your order on your bank card
We reserve the right to refuse or cancel Your Order if fraud or an unauthorized or illegal transaction is suspected.

FEES AND LIMITS POLICY
The Company reserves the right to revise its prices at any time before accepting an Order.
Commission fee
• Our commission fee comes to 5% of the transaction amount

• Palwallet does not charge any fee when you receive cryptocurrency from another blockchain address

• Palwallet doesn’t charge anything for registration
Note: Other fees may be applied by the liquidity provider or the cardholder’s bank.

Limits
The limits for verified Customers are the following:
• Maximum transaction amount of 3000 EUR

• The daily limit per account 15 000 EUR
Important note 1: The daily limit is counted not as a calendar day, from 00:00 till 23:59, but as 24 hours since purchasing.

Important note 2: Daily limits include all fees.

Important note 3: Currency limits are equivalent to the amount in EUR.

PAYMENTS
Payment can be made through payment methods, such as bank transfers with Visa and MasterCard (virtual, prepaid, debit, and credit cards).
It is forbidden to use another person’s bank card.
Payment cards are subject to validation checks and authorization by Your card issuer.

PROCESSING OF ORDERS
E-mail messages sent to the Customer after each transaction inform the Customer about the completed transaction.
We deliver the order as quickly as possible, but it all depends on the speed of operation of the cryptocurrency network.
The order is processed as soon as the payment is received.
As soon as the order is processed and arrives in the Customer’s wallet, he/she will be notified.
PalWallet is not responsible for delays or failures in the handling of operations arising as a consequence of any problems in the telecommunications, computer, and other systems.
The Order is considered to be completed when PalWallet makes a transfer of the required cryptocurrency amount to the cryptocurrency 

wallet of the Customer.
According to the policy on the return of digitally delivered goods, the return of the transferred funds is not possible after the Order is completed.

REFUNDS
The refund is provided only in exceptional cases.
The process of fund recovery is difficult and unguaranteed.
In case a person who is not a verified “user” made an unauthorized transaction to PalWallet with your account and there’s citable evidence, we’ll send the refund back to the original financial source.
Customers also have the right to get a refund if they are unable to provide the requested additional verification documents within the stipulated period.

To apply for a refund, you should notify PalWallet by emailing: [email protected]


PROHIBITED ACTIVITIES
The Customer has no right to:
• fail to observe the Agreement

• provide false, misleading, or incorrect information

• refuse to provide information reasonably requested

• transfer and/or receive money acquired in an illegal manner

• refuse to cooperate in an investigation

• use the Account in a way that causes losses

• provide services prohibited by law

• disclose passwords to third persons

• breach any law or regulation

• access Services from a restricted country

• use an anonymous account

RESTRICTIONS
Our services cannot be used in countries from the list below:

Abkhazia – AH
North Korea – DPRK
Afghanistan – AF
Kosovo – XK
Angola – AN
Laos – LA
Antarctica – AQ
Lebanon – LB
Bangladesh – BD
Liberia – LI
Barbados – BRDO
Libya – LY
Belarus – BY
Burkina Faso – BF
Mali – ML
Burma – BU
Morocco – MA
Burundi – BI
Mozambique – MZ
Cambodia – KH
Myanmar – MM
Cameroon – CM
Nepal – NP
Cayman Islands – KY
Nigeria – NG
Central African Republic – CF
North Macedonia – MKD
China – CN
Northern Mariana Islands – MP
Congo-Brazzaville – CGB
Palau – PW
Congo-Kinshasa – CGK
Palestine – PS
Cote d’Ivoire (Ivory Coast) – CI
Panama – PA
Crimea
Philippines – PH
Croatia – HR
Russian Federation – RF
Cuba – CU
Senegal – SN
Donetsk –
Sierra Leone – SL
Eritrea – ER
Somalia – SO
Ethiopia – ET
South Africa – ZA
Fiji – FJ
South Ossetia – RSO
French Guiana – GF
South Sudan – SS
French Polynesia – PF
Syria – SY
Gibraltar – GI
Tanzania – TZ
Guam – GU
Transnistria –
Guatemala – GT
Trinidad & Tobago – TT
Guinea – GN
Tunisia – TN
Guinea-Bissau – GW
Turkey – TR
Haiti – HT
Uganda – UG
Iceland – IS
USA – US
Iran – IR
Vanuatu – VU
Iraq – IQ
Vietnam – VN
Jamaica – JM
Virgin Islands (U.S)
Japan – JP
Yemen – YE
Jordan – JO
AF Afghanistan
CD Congo (the Democratic Republic of the)
CU Cuba
IR Iran (Islamic Republic of)
KP Korea (the Democratic People’s Republic of)
XK Kosovo
ML Mali
MM Myanmar
SY Syrian Arab Republic
SD Sudan (the)
SS South Sudan
EH Western Sahara
YE Yemen
UA-Occupied areas

Intellectual Property
The Service and its original content are the exclusive property of the Company.
Links to Other Websites
Our Service may contain links to third-party web sites or services.
The Company has no responsibility for third-party content.


Termination
The PalWallet may terminate the agreement for valid reasons.
PalWallet shall provide at least 14 days’ prior notice unless termination is due to unlawful use.

Effect of Termination
Upon termination, the user’s access will be disabled.

Limitation of Liability
Liability is limited to the amount paid or 100 USD.
“AS IS” and “AS AVAILABLE” Disclaimer
The Service is provided “AS IS” and “AS AVAILABLE”.

Governing Law
The laws of Poland shall govern these Terms.

Disputes Resolution
Clients may raise disputes via: [email protected]

Complaint Procedure
Complaints may be submitted to: [email protected]


Jurisdiction
Courts of Warsaw, Poland.
For European Union Users
EU consumers benefit from mandatory provisions of local law.
United States Legal Compliance
Users must not be located in embargoed countries.
Restriction on Usage by UK End Users
Services are not intended for UK residents.

Severability and Waiver
If any provision is invalid, remaining provisions remain in force.
Translation Interpretation
The original English text shall prevail.
Changes to These Terms and Conditions
We reserve the right to modify these Terms.
Contact Us
By email: [email protected]

UL. BARTYCKA 22B, m. 21A, 00-716, WARSZAWA, POLSKA