Legal

01Who we are

6PAY is a trading name of 6PAY LIMITED, a company registered in England and Wales under company number 17372772, with its registered office at Bartle House, 9 Oxford Court, Manchester, England, M2 3WQ.

In these Terms, “6PAY”, “we”, “us” and “our” mean 6PAY LIMITED. “You” and “your” mean the person or organisation using our services.

02About these Terms

These Terms of Service govern your use of this website and of the services we provide. By using the website, submitting an application or entering into an agreement with us, you accept these Terms.

Where we enter into a separate written agreement with you — a service agreement, an order form or a set of commercial terms — that agreement takes precedence over these Terms to the extent the two conflict. These Terms continue to apply to everything the separate agreement does not cover.

Nothing on this website is an offer of financial services in any jurisdiction where such an offer would be unlawful, and nothing on it constitutes financial, tax or legal advice.

03Definitions

• Partner institution — a licensed payment institution, electronic money institution, bank or other regulated financial services provider through which payment services are provided to you.
• Payment instruction — a request from you to send, receive, convert or withdraw funds.
• USDC — the USD Coin stablecoin.
• Services — the services described in section 7 and in any separate agreement between us.
• Business day — a day other than a Saturday, Sunday or public holiday in England and Wales.

04What we do and what we do not do

We arrange and administer cross-border payments between freelancers, contractors and the businesses that engage them. We handle onboarding, verification, instructions, documentation and support.

We do not provide investment services, trading services or exchange services in cryptoassets beyond the settlement and conversion described in section 10. We are not an exchange.

05Eligibility

To use our services you must:

1. be at least 18 years old, if you are an individual, and have legal capacity to enter into a contract;
2. be duly incorporated and in good standing, if you are an organisation, and the person accepting these Terms must be authorised to bind that organisation;
3. be resident, established or operating in a jurisdiction we serve; and
4. not be subject to any sanctions regime, and not be acting for a person who is.

We may decline an application, and we may decline to continue a relationship, at our discretion. We are not always able to explain the reason, and in some cases we are prohibited by law from doing so.

06Opening an account and verification

Before we can provide services we must verify who you are. For individuals this means identity and address verification (KYC). For organisations it means verification of the entity, its directors and its beneficial owners (KYB), together with information about the nature of your business and the source of your funds.

You must give us information that is accurate, complete and current, and you must tell us without undue delay if it changes. We may ask for further information or documents at any point in the relationship, including after onboarding, and we may suspend services until we receive them.

Every application receives a decision within 24 hours. Completing verification and signing the agreement takes longer and depends on whether you apply as an individual or as an organisation.

07Our services

Depending on what we agree with you, our services may include:

• sending and receiving payments in EUR, GBP, PLN, USD and USDC;
• holding balances in more than one currency and converting between them;
• mass payouts to multiple recipients from a single instruction;
• collection of payments from clients and customers, including in B2C and C2B formats;
• preparation of contracts, invoices and acts of completed work relating to payments we arrange.

Not every service is available to every client, in every currency or in every corridor. What is available to you is confirmed during onboarding.

08Instructions and execution

We act on payment instructions given through the channels we agree with you. You are responsible for the accuracy of every instruction, including recipient details, account numbers, amounts and currency. A payment sent to the wrong recipient because of details you supplied may not be recoverable, and we cannot guarantee its return.

Once an instruction has been executed it generally cannot be recalled. We will make reasonable efforts to assist with a recall request but we do not undertake that it will succeed.

Execution times depend on the currency, the corridor and the receiving institution:

• euro payments settle over SEPA and SEPA Instant;
• payments in other currencies settle through our partner institutions, and timings for your corridor are confirmed during onboarding;
• USDC payments settle on-chain and depend on network confirmation.

Instructions received outside business hours, on a non-business day or after a cut-off time are treated as received on the next business day. Any timing we indicate is an estimate, not a guarantee, because settlement also depends on intermediaries we do not control.

09Currency conversion

Where a payment requires conversion, the applicable rate is shown to you before you confirm the instruction. Once you confirm, the rate applies to that instruction. Rates change continuously and a rate quoted for one instruction does not apply to any other.

10Payments in USDC

We support settlement in USDC and conversion between USDC and fiat currency in both directions. If you use this service you should understand that:

1. blockchain transactions are irreversible, and a transfer sent to an incorrect address cannot be recovered;
2. you are responsible for the accuracy of the wallet address and the network you select;
3. a stablecoin is not a bank deposit, is not protected by any deposit guarantee scheme, and its value depends on the issuer maintaining its peg;
4. network availability, confirmation times and network fees are outside our control;
5. the regulatory treatment of cryptoassets differs between jurisdictions and may change.

11Fees

Our pricing is a percentage of the transaction. Indicative rates start from 1.4% for individual freelancers and from 1% for organisations. There is no subscription and no account maintenance fee — you pay only for transactions you make.

The rate applicable to you depends on the corridor, the currency and your volume, and is confirmed in writing after verification. Third parties in the payment chain, including intermediary and receiving banks, may deduct their own charges from a payment; those charges are not ours and we do not receive them.

We may change our fees. Where a change affects an existing client we will give reasonable advance notice in writing.

12Your obligations

You agree to:

1. use the services only for lawful purposes and only for your own genuine business or professional activity;
2. provide accurate information and supporting documents, and keep them up to date;
3. keep your access credentials secure and tell us promptly if you suspect they have been compromised;
4. comply with all laws that apply to you, including tax, sanctions and anti-money-laundering laws;
5. tell us promptly about any change of ownership, control or business activity that could affect our assessment of the relationship.

You are responsible for determining and meeting your own tax obligations. We do not provide tax advice and we do not file returns on your behalf.

13Prohibited activities

You must not use our services in connection with:

• money laundering, terrorist financing, or the proceeds of any crime;
• any person, entity or jurisdiction subject to applicable sanctions;
• fraud, deception or misrepresentation, including invoices for services that were not provided;
• unlicensed financial services, unlicensed gambling, or any activity requiring a licence you do not hold;
• weapons, controlled substances, or goods and services whose supply is prohibited;
• content or activity that infringes the rights of others;
• circumventing verification, or acting for an undisclosed third party.

This list is not exhaustive. We may decline any transaction we consider to fall within its spirit.

14Compliance, monitoring and sanctions

We and our partner institutions are subject to anti-money-laundering, counter-terrorist-financing and sanctions obligations. To meet them we screen clients, counterparties and transactions, and we monitor activity on an ongoing basis.

We may, without prior notice, delay, decline, freeze or reverse a transaction, request additional information, suspend access, or terminate the relationship where we consider it necessary to comply with those obligations or with an instruction from a competent authority.

Where the law prevents us from telling you the reason for such a step, we will not do so. This is not a failure of service on our part and we are not liable for loss arising from action taken in good faith to meet a legal or regulatory obligation.

15Partner institutions

Payment services are delivered through licensed partner institutions. Using our services may therefore mean that the terms of a partner institution also apply to you; where that is the case we will tell you and make those terms available.

We select partners with care but we do not control their systems, their timings or their compliance decisions, and we are not responsible for their acts or omissions except to the extent the law does not permit us to exclude that responsibility.

16Documents and records

Where we agree to do so, we prepare contracts, invoices and acts of completed work relating to the payments we arrange. These documents describe the payment arrangement accurately on the basis of the information you give us. You remain responsible for the accuracy of that underlying information and for whether the documents meet the requirements of your own accountant, auditor or tax authority.

17Availability of the service

We aim to keep our services available, but we do not guarantee uninterrupted availability. Access may be limited by maintenance, by a fault, by the unavailability of a partner institution or payment network, or by an event outside our reasonable control.

18Liability

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited. If you are a consumer, your statutory rights are not affected.

Subject to that, we are not liable for:

1. loss of profit, revenue, business, goodwill, anticipated savings or opportunity;
2. indirect or consequential loss of any kind;
3. loss caused by inaccurate payment details supplied by you;
4. the acts, omissions, delays or compliance decisions of partner institutions, intermediary banks, receiving banks or blockchain networks;
5. loss caused by your breach of these Terms, or by your failure to keep credentials secure;
6. movements in exchange rates or in the value of any cryptoasset.

Subject to the first paragraph of this section, our total liability to you in connection with the services in any twelve-month period is limited to the total fees you paid us in that period.

19Indemnity

If you are not a consumer, you agree to indemnify us against any loss, claim, penalty or cost we incur as a result of your breach of these Terms, your breach of applicable law, or the inaccuracy of information or documents you provide.

20Suspension and termination

You may end the relationship at any time by giving us written notice, subject to the settlement of transactions already in progress and to any separate agreement between us.

We may suspend or end the relationship:

1. immediately, where we are required to do so by law, by a competent authority or by a partner institution, or where we suspect prohibited activity;
2. immediately, where you materially breach these Terms;
3. otherwise, on reasonable written notice.

On termination we will return any remaining balance to you, subject to completing any checks required by law and to deducting fees properly due. Sections that by their nature should survive termination — including liability, indemnity, record-keeping and governing law — continue to apply.

21Complaints

If something has gone wrong, write to info@kuus.me with the word “Complaint” in the subject line, or call +372 6991494. Tell us what happened, when, and what outcome you are looking for.

We acknowledge complaints within 5 business days and aim to resolve them within 15 business days. Where a complaint concerns a service provided by a partner institution, we will tell you and, where appropriate, pass the complaint to that institution and give you its details so that you can escalate directly.

22Changes to these Terms

We may update these Terms. The version published on this page is the version in force, and the date at the top shows when it last changed. Where a change materially affects an existing client, we will give reasonable advance notice in writing. Continuing to use the services after a change takes effect means you accept it.

23Governing law and jurisdiction

These Terms and any dispute arising out of them are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction.

If you are a consumer resident in the European Union or elsewhere, this does not deprive you of the protection of mandatory provisions of the law of your country of residence, or of the right to bring proceedings in the courts of that country where the law gives you that right.

24Contact

Questions about these Terms: info@kuus.me · +372 6991494

01Who we are

6PAY LIMITED (company number 17372772), registered at Bartle House, 9 Oxford Court, Manchester, England, M2 3WQ, is the controller of the personal data described in this policy.

For any question about this policy or about how we handle your data, write to info@kuus.me.

We are registered with the Information Commissioner’s Office under registration number 8900-8412-365.

02What this policy covers

This policy explains what personal data we collect when you visit this website, apply for our services or become a client; why we use it; who we share it with; and what rights you have. It applies to processing under the UK GDPR and, where we process data of people in the European Economic Area, under the EU GDPR.

Where a partner institution processes your data as its own controller — for example to meet its own regulatory obligations — its privacy notice applies to that processing in addition to this one, and we will tell you where that is the case.

03Personal data we collect

If you contact us through the website

The form on our website collects your name, email address, company name (optional), the category you select, your message, the language version of the site you used, and the page address you submitted from.

If you apply for our services

• Identity data — full name, date of birth, nationality, identity document details and images, photograph or liveness check where required.
• Contact data — address, email address, telephone number.
• Business data — company details, registration documents, directors and beneficial owners, nature of business, expected volumes and corridors.
• Financial data — bank account and wallet details, source of funds and source of wealth information.
• Compliance data — the results of sanctions, PEP and adverse-media screening, and records of the checks we carried out.

If you become a client

• Transaction data — amounts, currencies, counterparties, payment references and dates.
• Correspondence — messages, support requests and, where we tell you in advance, call records.
• Technical data — IP address, device and browser information, and access logs.

04Where we get your data

Most of it comes directly from you. We also receive data from: partner institutions and payment networks involved in your transactions; identity verification, sanctions screening and credit reference providers; public registers such as company registries; and, if you were introduced to us, the person or business who introduced you.

05Why we use your data, and on what legal basis

Where we rely on legitimate interests, we have considered whether those interests are outweighed by your rights and freedoms. You can ask us for the details of that assessment.

06Marketing

We do not sell your data and we do not share it with third parties for their own marketing. If we send you marketing, you can opt out at any time by using the unsubscribe link in the message or by writing to info@kuus.me. Opting out of marketing does not stop service messages about payments, verification or your account.

07Who we share your data with

• Partner institutions — the licensed payment institutions, electronic money institutions and banks through which payments are provided and settled.
• Payment networks and correspondent banks — to the extent needed to execute a payment.
• Verification and screening providers — identity verification, sanctions, PEP and adverse-media screening services.
• Technology providers — our website and form platform (Tilda), email and hosting providers, and other suppliers who process data on our instructions under a written contract.
• Professional advisers — lawyers, auditors and accountants, bound by professional confidentiality.
• Regulators and law enforcement — where we are required or permitted by law to disclose.
• A buyer or successor — if our business is sold or reorganised, subject to the same protections.

08International transfers

Your data is processed primarily in the United Kingdom and the European Economic Area. Where data is transferred outside those areas — for example to a supplier or to a bank in a payment chain — we rely on an adequacy decision where one exists, or on standard contractual clauses together with the UK International Data Transfer Addendum, or on an exception permitted by law where a transfer is necessary to perform a contract with you.

You can ask us for a copy of the safeguards that apply to a particular transfer.

09How long we keep your data

Where a legal claim, investigation or regulatory request is live, we keep the relevant data until it is resolved. When a retention period ends we delete the data or anonymise it irreversibly.

10Security

We apply technical and organisational measures appropriate to the risk, including encryption of data in transit and at rest, access limited to those who need it for their role, multi-factor authentication for internal systems, logging of access to client data, and written data protection terms with our suppliers. No system is perfectly secure, but we take these obligations seriously and we review them.

11Your rights

Subject to the conditions and exceptions in data protection law, you have the right to:

1. be told what data we hold about you and receive a copy of it;
2. have inaccurate data corrected and incomplete data completed;
3. have data erased, where we no longer have a lawful reason to keep it;
4. restrict our processing while an issue is resolved;
5. receive data you gave us in a portable format, or have it sent to another controller;
6. object to processing based on legitimate interests, and to object to direct marketing at any time;
7. withdraw consent, where our processing is based on consent, without affecting processing carried out before the withdrawal.

Anti-money-laundering law requires us to keep certain records and prevents us from deleting them on request. Where that applies, we will tell you which right is limited and why.

To exercise a right, write to info@kuus.me. We respond within one month and may extend that by two further months for complex requests, telling you if we do. We may need to verify your identity first. There is no fee unless a request is manifestly unfounded or excessive.

12Automated decision-making

We use automated tools to screen clients and transactions against sanctions, PEP and adverse-media lists, and to detect suspicious activity. A match from these tools is reviewed by a person before any decision is taken that produces legal effects for you or similarly significantly affects you. We do not carry out profiling for marketing purposes.

13Children

Our services are not directed at children and we do not knowingly collect data about anyone under 18. If you believe a child has provided us with personal data, write to us and we will delete it.

14Complaints

If you are unhappy with how we have handled your data, tell us first at info@kuus.me — we would rather put it right.

You also have the right to complain to a supervisory authority. In the United Kingdom this is the Information Commissioner’s Office (ico.org.uk). In the European Economic Area you may complain to the supervisory authority of the country where you live, where you work, or where the alleged infringement took place.

15Changes to this policy

We may update this policy. The version published here is the version in force, and the date at the top shows when it last changed. Where a change materially affects how we use your data, we will tell you directly.

16Contact

Data protection enquiries: info@kuus.me · +372 6991494

01What this policy covers

This policy explains what 6PAY stores in your browser when you visit this website, why, and how to control it. It sits alongside our Privacy Policy, which explains how we handle personal data more generally.

02What cookies and similar technologies are

A cookie is a small text file that a website asks your browser to store and sends back on later visits. Similar technologies do the same job by other means — local storage keeps a value in your browser until it is cleared, and session storage keeps it only until you close the tab. Where this policy says “cookies”, it means all of these.

03Categories we use

We do not use marketing or advertising cookies on this website. If you add an analytics tool such as Google Analytics, extend this policy and the table below before it goes live.

04What this site stores

The language preference is stored in your browser only. It is not sent to us, it is not linked to your identity, and we cannot read it.

05Third-party services

This website is built and hosted on Tilda Publishing, which sets the platform cookies described above and processes enquiry form submissions on our behalf as our processor.

Typefaces are loaded from Google Fonts. Google does not set cookies for this, but your IP address is transmitted to Google in order to serve the font files.

We do not embed advertising networks, social media pixels or third-party trackers on this website.

06Consent

Strictly necessary cookies are set without consent because the site cannot work without them. For every other category we ask for your consent before setting anything, through the banner shown on your first visit. You can change or withdraw your choice at any time using the controls in that banner or by clearing site data in your browser.

07How to control cookies

Every major browser lets you see what a site has stored, delete it, and block cookies in future. The relevant settings are usually under Privacy or Site settings:

• Chrome — Settings → Privacy and security → Third-party cookies / Site data
• Safari — Settings → Privacy → Manage Website Data
• Firefox — Settings → Privacy & Security → Cookies and Site Data
• Edge — Settings → Cookies and site permissions

Blocking all cookies will stop parts of this site from working, including the enquiry form.

08Changes to this policy

We may update this policy if we add or remove a tool that stores data in your browser. The date at the top shows when it last changed.

09Contact

Questions about cookies: info@kuus.me