EazPay — Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of EazPay ("Service," "we," "us"), a Telegram-based payment bot that enables peer-to-peer USDC transfers on the Tempo blockchain. By using EazPay, you agree to these Terms in full. If you do not agree, do not use the Service.

EazPay is operated by an individual developer based in California, United States. EazPay is not a bank, money transmitter, financial institution, or regulated financial service. We do not provide financial advice, custody services, or investment products.

2. Service Description

EazPay is a non-custodial Telegram bot that allows users to:

Create smart contract wallets on the Tempo L1 blockchain (Chain ID 4217)
Send and receive USDC payments to other EazPay users
Manage wallet security via PIN and two-factor authentication (2FA)

Non-Custodial Architecture. Your wallet is a smart contract deployed on-chain. EazPay does not hold, control, or have the ability to withdraw your funds. You are solely responsible for your wallet and its contents.

3. Eligibility

You must be at least 18 years old to use EazPay. By using the Service, you represent and warrant that you:

Are at least 18 years of age
Are not located in, or a resident of, any jurisdiction where use of this Service would be prohibited or restricted
Are not on any U.S. government sanctions list (OFAC SDN, etc.)
Will comply with all applicable local, state, national, and international laws

4. Account Security

You are responsible for:

Keeping your PIN and 2FA credentials secure
All activity that occurs through your wallet
Maintaining access to your Telegram account

We store only bcrypt-hashed PINs. We do not store private keys, seed phrases, or plaintext passwords. If you lose access to your authentication credentials, we may not be able to help you recover your wallet.

5. Fees

EazPay charges a 0.1% fee per transaction, collected on-chain via the TreasuryRouter smart contract. This fee is capped at a maximum of 2% and is enforced at the contract level.

Fee changes will be announced in advance. On-chain fee parameters are transparent and verifiable.

6. Daily Limits

Each wallet is subject to a daily spending limit of 1,000 USDC, enforced on-chain by the smart contract. This limit exists as a security measure and cannot be bypassed by the bot operator.

7. Prohibited Activities

You agree not to use EazPay for:

Money laundering or terrorist financing
Sanctions evasion or transactions involving sanctioned persons or jurisdictions
Fraud, scams, or deception
Purchasing illegal goods or services
Market manipulation
Any activity that violates applicable law
Attempting to exploit, attack, or reverse-engineer the smart contracts or bot infrastructure
Circumventing security features, daily limits, or fee mechanisms

We reserve the right to suspend or terminate access for any user engaged in prohibited activities.

8. Smart Contract Risks

EazPay relies on smart contracts deployed on the Tempo L1 blockchain. You acknowledge and accept:

The smart contracts have not been formally audited. While we have made reasonable efforts to ensure correctness, unaudited contracts may contain bugs, vulnerabilities, or unexpected behavior.
Individual smart contracts are immutable once deployed. However, the system may migrate to updated contracts. Previous contract versions remain on-chain. Bugs may not be fixable without migration.
Blockchain transactions are irreversible. Sending funds to the wrong address cannot be undone.
The Tempo blockchain is a relatively new network. It may experience downtime, congestion, forks, or other disruptions.
Interactions with smart contracts carry inherent risk of partial or total loss of funds.

You use EazPay at your own risk.

9. No Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that:

The Service will be uninterrupted, error-free, or secure
Smart contracts will function as intended in all circumstances
Funds will be recoverable in the event of a bug or exploit
The Tempo blockchain will remain operational

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EAZPAY AND ITS OPERATOR SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF FUNDS, PROFITS, DATA, OR USE, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE.

IN NO EVENT SHALL TOTAL LIABILITY EXCEED THE AMOUNT OF FEES YOU HAVE PAID TO EAZPAY IN THE 12 MONTHS PRECEDING THE CLAIM.

This limitation applies regardless of the legal theory (contract, tort, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.

11. Regulatory Disclaimer

EazPay is not a regulated financial service. We are not registered with the SEC, FinCEN, CFPB, or any state financial regulator. We do not perform KYC (Know Your Customer) or AML (Anti-Money Laundering) verification.

Use of EazPay does not constitute a banking relationship. USDC held in your smart contract wallet is not insured by the FDIC or any other government agency.

You are solely responsible for understanding and complying with tax obligations and financial regulations in your jurisdiction.

12. Service Modifications

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We are not liable to you for any modification, suspension, or discontinuation.

Material changes to these Terms will be communicated via the EazPay Telegram channel or bot notifications.

13. Termination

We may suspend or terminate your access to EazPay at our sole discretion, including for violation of these Terms or suspected prohibited activity.

Upon termination, your smart contract wallet remains on-chain. Because EazPay is non-custodial, your funds are not affected by account termination — you retain access to your on-chain assets independently of the bot.

14. Third-Party Services

EazPay integrates with third-party services including:

Telegram — messaging platform and bot interface
Tempo Blockchain — L1 network (by Stripe & Paradigm)
USDC — stablecoin issued by Circle

We are not responsible for the availability, security, or policies of these third-party services. Your use of them is subject to their respective terms.

15. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, United States, without regard to conflict of law principles.

16. Dispute Resolution

Any dispute arising from these Terms or your use of EazPay shall be resolved through binding arbitration administered under the rules of the American Arbitration Association (AAA), conducted in San Mateo County, California.

You agree to waive any right to participate in a class action lawsuit or class-wide arbitration.

For disputes under $10,000, arbitration will be conducted online or by phone unless otherwise agreed.

17. Severability

If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect.

18. Contact

For questions about these Terms or to report security issues:

Email: security@eazpay.xyz
Telegram: @tomajackmac
Website: eazpay.xyz

By using EazPay, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.