Terms of Service

3.1 Age Requirements

You must be at least 18 years old to use our Service. By using the Service, you represent and warrant that you meet this age requirement.

3.2 Identity Verification and KYC

To use our Service, you must complete our Know Your Customer (KYC) verification process, which includes:

• Scanning your passport using our mobile application
• Providing accurate personal information as required
• Completing identity verification through our trusted KYC partner platform
• Meeting all verification requirements as determined by our KYC provider

Your private information collected during the KYC process will be securely stored on our trusted KYC partner's platform, which maintains industry-standard security measures and compliance protocols.

3.3 Geographic Restrictions

Our Service is primarily designed for tourists visiting Southeast Asia. You must comply with all applicable laws and regulations in your jurisdiction and the jurisdiction where you use the Service.

3.4 Wallet Requirements

You must have a compatible Web3 wallet and sufficient digital assets to use our payment services. You are solely responsible for the security of your wallet and private keys.

4.1 Supported Assets

We currently support USDC and USDT stablecoins. We reserve the right to add or remove supported digital assets at our discretion.

4.2 Transaction Processing

Transactions are processed through our network of verified local partners who convert digital assets to local fiat currency. Transaction times may vary based on network conditions and partner availability.

4.3 Fees and Exchange Rates

All fees and exchange rates are displayed before transaction confirmation. Rates are based on real-time market data and may fluctuate. We reserve the right to adjust our fee structure with notice.

7.1 Information Protection

Coming Pay is committed to protecting your personal information and privacy. We implement comprehensive security measures and work with trusted partners to ensure your data is handled securely and in compliance with applicable privacy laws.

7.2 KYC Data Security

Your passport and identity verification data collected during the KYC process is securely stored on our trusted KYC partner's platform, not on Coming Pay's systems. Our KYC partner maintains industry-leading security standards and compliance protocols to protect your sensitive information.

7.3 Legal Compliance and Disclosure

When required by law, regulation, or legal process, Coming Pay may be obligated to provide user information to legal authorities to comply with:

• Anti-Money Laundering (AML) laws and regulations
• Anti-Fraud laws and investigations
• Court orders, subpoenas, or other legal processes
• Regulatory requirements from financial authorities
• Law enforcement investigations related to financial crimes

Such disclosures will be made only to the extent required by law and in accordance with applicable legal procedures. We will make reasonable efforts to notify users of such requests unless prohibited by law or court order.

7.4 Privacy Policy

Please review our comprehensive Privacy Policy, which provides detailed information about how we collect, use, and protect your information. By using our Service, you consent to the collection and use of information in accordance with our Privacy Policy.

8.1 Service Availability

We strive to maintain Service availability but cannot guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or technical issues.

8.2 Digital Asset Risks

Digital assets are volatile and subject to market risks. We are not responsible for fluctuations in digital asset values or losses resulting from market conditions.

8.3 Third-Party Services

Our Service integrates with third-party wallets, payment systems, and partners. We are not responsible for the performance or security of third-party services.