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Terms & Conditions

Last Updated: 19 January 2026

Introduction

These Terms & Conditions ("Terms") govern your access to and use of the Winner Pay website, platform, mobile interfaces, and payment-related services (together, the "Services").

By accessing the Services, creating an account, or completing onboarding, you confirm that you have read, understood, and agree to be bound by:

  • these Terms,
  • our Privacy Policy, and
  • any additional policies or notices we provide from time to time

(together, the "Agreement").

If you do not agree, you must not use Winner Pay.

2. Key Definitions

For clarity, the following definitions apply:

  • Account means your Winner Pay payment account or profile.
  • Agreement means these Terms, our Privacy Policy, Fees Schedule, and any related policies.
  • Authorized Person means any person you authorize to access your Account.
  • Business Day means Monday to Friday, excluding public holidays in the relevant jurisdiction.
  • Fees Schedule means Winner Pay fees, as updated from time to time.
  • Payment Instrument means any method used to initiate a payment (including cards or credentials).
  • Transaction means any payment, transfer, refund, reversal, chargeback, or other operation processed through Winner Pay.
  • Winner Pay Entity means the legal entity providing Services to you.
  • You / your means the individual or business using the Services.
  • We / us / our means Winner Pay and the applicable Winner Pay Entity.

3. Changes to These Terms

We may update these Terms from time to time to reflect:

  • regulatory changes
  • product improvements
  • operational requirements
  • risk or security considerations

Unless otherwise required by law, updated Terms become effective once published on our website.

If you do not agree with the updated Terms, you must stop using the Services and close your Account.

4. What Winner Pay Provides

Winner Pay provides payment-related services, which may include:

  • Payment processing services;
  • payment initiation and transfers
  • pay-ins and pay-outs
  • foreign exchange conversion (where available)

No Banking Services

Winner Pay is not a bank.

Your Account is not a bank account and funds are not protected by any deposit insurance scheme. Where applicable, funds may be held through safeguarded arrangements with reputable financial institutions.

5. Eligibility and User Responsibilities

By using Winner Pay, you confirm that:

  • you have full legal capacity and authority
  • you will use the Services only for lawful purposes
  • you will comply with all applicable laws, including AML/CTF and sanctions rules

You must notify us promptly of any material changes, including:

  • changes in beneficial ownership or control
  • changes to your business activity
  • changes in tax residency
  • loss or compromise of credentials or Account access

6. Communications

We may communicate with you through:

  • email
  • SMS
  • phone
  • in-app notifications
  • our online portal

Notices are deemed received:

  • immediately when sent electronically, or
  • on the next Business Day if sent outside Business Hours.

7. Account Registration

You may open an Account only if we approve your application.

You agree that all information provided is accurate, complete, and not misleading.

We may reject an application or request additional information at our discretion, subject to applicable law.

8. Identity Verification (KYC & Due Diligence)

Winner Pay is required to verify customers under AML/CTF laws.

We may request documentation relating to:

  • identity and address
  • beneficial ownership
  • business activity
  • source of funds or wealth
  • ongoing monitoring requirements

Failure to provide requested information may result in delays, limitations, suspension, or closure.

9. Authorized Persons

If you allow others to access your Account:

  • you remain responsible for their actions
  • you must ensure their authority is properly documented
  • we may require verification checks for such persons

10. Fees and Charges

You agree to pay all applicable fees in accordance with our Fees Schedule.

You are also responsible for external charges such as taxes.

11. Refusal, Suspension, Restrictions, and Closure

We may refuse, block, delay, suspend, restrict, or close your Account or Transactions where:

  • required by law or regulator instruction
  • fraud or financial crime is suspected
  • sanctions or prohibited activity is detected
  • information provided is false or incomplete
  • your use presents unacceptable legal, compliance, or reputational risk
  • you breach these Terms
  • you fail to pay amounts owed
  • insolvency or similar events occur

Where legally permitted, we will provide notice and a general reason.

12. Closing Your Account

You may request closure of your Account at any time.

Closure is subject to:

  • settlement of outstanding fees or disputes
  • completion of legally required compliance checks
  • retention obligations under applicable law

Remaining funds may be withdrawn subject to restrictions under Section 12.

13. Prohibited and Restricted Activities

You must not use Winner Pay to:

  • violate laws or sanctions
  • provide false information
  • facilitate fraud, criminal proceeds, or terrorism financing
  • misuse or disrupt platform security
  • transact with prohibited jurisdictions
  • circumvent monitoring or controls

We may take action immediately under Section 12.

14. Privacy and Data Protection

We process personal data in accordance with applicable privacy laws and our Privacy Policy.

Winner Pay acts as the data controller unless stated otherwise.

15. Liability

To the maximum extent permitted by law:

  • Winner Pay is liable only for direct losses caused by our material breach, negligence, or misconduct.
  • We are not liable for indirect or consequential damages, including loss of profits or goodwill.

Nothing limits liability where exclusion is prohibited by law.

16. Indemnity

You agree to indemnify Winner Pay for losses arising from:

  • your breach of these Terms
  • unlawful use of Services
  • fraud or misconduct
  • actions taken through your Account

Where permitted, we may recover amounts from funds in your Account.

17. Unauthorized Transactions

You must notify us immediately if you believe a Transaction is unauthorized.

Refunds may apply only where:

  • you did not act fraudulently
  • you notified us promptly
  • you did not compromise security
  • claims are made within legal time limits

18. General Terms

18.1 Assignment

You may not assign your rights without our consent. We may assign to affiliates or successors.

18.2 Severability

If any provision is invalid, the remainder remains effective.

18.3 Entire Agreement

These Terms, Privacy Policy, and Fees Schedule form the entire agreement.

18.4 Waiver

Failure to enforce a right does not waive it.

19. Governing Law

These Terms are governed by the laws of the jurisdiction where the applicable Winner Pay Entity is established, unless mandatory consumer laws provide otherwise.

20. Contact

For more information on Winner Pay, you may refer to the information found on our Website. If you have questions, feedback or complaints you can contact us via email at info@winnerpay.com