Last Updated: November 2025
This Terms of Service agreement ("Agreement") is a legally binding contract between you and Paffle ("Paffle", "we", "us", or "our"), governing your access and use of Paffle's platform, services, technologies, and features, whether accessed through our website, mobile application, or other channels (collectively, the "Paffle Services"). This Agreement incorporates by reference our Privacy Policy and any other policies or documents referenced herein. If you do not agree to these terms, do not use the Paffle Services.
Paffle is a Canadian company, incorporated and registered as Paffle Pay Inc., and headquartered at 2967 Dundas St W. #1035, Toronto, Ontario. M6P 1Z2.
Please note that Paffle is not a bank. Banking services offered on the Paffle platform are provided by a licensed financial partner, Bridge Ventures Inc. All funds transacted through Paffle are settled in USDC stablecoin and are not insured by the FDIC or any other deposit insurance institution in any jurisdiction.
By accessing or using Paffle Services, you authorize Paffle to share your personal information with necessary third parties (e.g., banking partners, service providers, and regulators) as required for compliance and operational functionality.
When you engage with certain services on our platform, you explicitly permit Paffle to create and manage the following accounts on your behalf, with applicable partners:
You also consent to Paffle acting on your behalf in setting up, managing, and interfacing with such accounts, including accepting third-party terms and facilitating transactions you instruct.
You acknowledge and agree that Paffle will terminate or close these third-party accounts upon closure of your Paffle account.
To the fullest extent permitted by law, Paffle disclaims liability for any indirect losses incurred in relation to the use of such third-party services, except in cases of proven willful misconduct or gross negligence by Paffle.
Virtual accounts associated with Paffle are:
A downloadable version of this Agreement is available at any time via our platform or upon request at hello@paffle.com.
These terms govern all users of the Paffle Services and constitute a unified agreement, including all linked policies such as:
You are expected to read and accept these and any specific service-related terms before using any Paffle Services.
By using Paffle Services, you affirm your understanding and acceptance of the associated risks and terms outlined herein.
To access Paffle Services, you must complete our identity verification and onboarding procedures. You are responsible for providing accurate and truthful information at every stage. We reserve the right to request additional documentation or to verify your identity through third-party sources.
If we cannot validate your information or if you fail to comply with verification requirements, your account may be suspended, restricted, or closed.
You are solely responsible for maintaining the security of your Paffle account. We strongly advise using unique and strong passwords, enabling two-factor authentication, and securing all devices linked to your account. If you suspect unauthorized access, contact us immediately at hello@paffle.com.
Report any unauthorized or erroneous transactions promptly. Failing to notify us within two months of discovery may result in forfeiture of your right to dispute such activity. We will investigate and reimburse unauthorized transactions unless negligence or fraud on your part is evident.
You may request account closure at any time via hello@paffle.com. We also reserve the right to close accounts under various conditions including inactivity, legal obligations, or violation of our terms.
All communications will be delivered electronically through your registered email or the Paffle app. You must keep your contact information up-to-date and review messages regularly.
Our handling of personal information is governed by our Privacy Policy. We may collect data such as location, device identifiers, transaction history, and contact information for operational, security, and compliance purposes.
Our platform may contain links to external websites. Paffle does not endorse or assume responsibility for content or privacy practices of those sites.
All content on our platform, including logos, design, and software, is the intellectual property of Paffle or its licensors. You may not copy, distribute, or reproduce any content without prior written consent.
We take user feedback seriously. Please contact hello@paffle.com for inquiries or complaints. You may also refer to our Complaints Policy available on our website.
We reserve the right to change these terms by providing one month's notice. Continued use of our services after changes become effective constitutes acceptance.
Paffle provides its services "as is" and makes no guarantees regarding uptime, accuracy, or availability. We disclaim all warranties to the fullest extent permitted by law.
We may suspend services at our discretion for reasons including maintenance, compliance issues, or security concerns.
Your account may be suspended or terminated due to violations of these terms, law enforcement requests, fraudulent activity, or other legitimate concerns.
Paffle reserves the right to offset any outstanding amounts you owe against funds held in your account.
Paffle is not liable for indirect, incidental, or consequential damages arising from your use of the services, except where required by law.
You agree to indemnify Paffle and its partners against any claims arising from your misuse of the services or breach of these terms.
We may terminate this Agreement with 30 days' notice or immediately under specific circumstances outlined in these terms.
In compliance with law, we may restrict access to funds or decline refunds in cases involving fraud or legal obligations.
You are solely responsible for understanding and fulfilling your tax obligations related to your use of Paffle.
In the event of discrepancies between translated versions and the English version of these terms, the English version shall prevail.
This Agreement is governed by the laws of Delaware, USA. Any disputes shall be resolved in Delaware courts.
You may benefit from consumer protection laws applicable in your country of residence.
You confirm that you are not a resident of a country subject to U.S. sanctions or on a U.S. government list of prohibited parties.
You may not assign your rights under these terms without our consent. Paffle may assign or transfer its rights and obligations at its discretion. If any part of this Agreement is held invalid, the remaining provisions remain in force.
Headings are for convenience only. Definitions and interpretations are consistent throughout the document. Terms like "you" and "user" refer to the individual using Paffle services.
Paffle is not liable for failure to perform due to circumstances beyond its control (force majeure). Contact us at hello@paffle.com for questions regarding this Agreement.