SkenderPay

Terms of Use

Effective on 27 November 2025

Any communication or data shared with you by Skenderpay should not be considered or construed as investment, financial, or trading advice.

Skenderpay is a start-up still under construction and does not yet offer any services, especially financial services!

Welcome to Skenderpay! We appreciate your interest in our services and are committed to creating an efficient, reliable, secure platform for your Digital Assets Transactions.

  1. About this Agreement
    1. These Terms of Use ("Agreement”) are designed to ensure transparency and set clear expectations for our relationship with you. Please read them carefully as they govern your use of the Services provided by Skenderpay. This Agreement is between you ("User) and Skenderpay ("SkenderPay, “us”, “we”, or “our”).
    2. By accessing and using our Services, including but not limited to the use of our website https://www.skenderpay.com, you confirm your acceptance and agreement to be bound by the terms and conditions of this Agreement, including the additional documents referred to herein. If you do not agree with any provision of this Agreement, please refrain from using our Services.
    3. Any additional terms and conditions required for specific Services will be communicated to you at the appropriate time. You agree to the other terms and conditions by using such Services.
    4. We recommend you keep a copy of this Agreement for your records. Please note that your acceptance of this Agreement is required to use our Services.
  2. Definitions and Interpretations
    1. In this Agreement, the terms listed below shall have the following meanings:
      1. “Intellectual Property” refers to all patents, copyrights, moral rights, trademarks, trade secrets, designs, database rights, service marks, logos, domain names, business names, trade names, and all other forms of intellectual property rights anywhere in the world, whether registrable or unregistrable, registered or unregistered, including any application or right of application for such rights (and these “intellectual property rights” include confidentiality and trade secrets, design rights, know-how, and database rights).
      2. “User Account” refers to the registered account that a User creates on the Skenderpay platform. This User Account provides Users with access to the Services, subject to the completion of the User Onboarding process and compliance with Verification and KYC Procedures. The User Account contains personal data and transactional information related to the User.
      3. “User Onboarding” refers to the registration process provided by Skenderpay, which includes the completion of the Know Your Customer (KYC) Procedures.
      4. “User” refers to any person registered on our platform to access and use our Services.
    2. All other terms shall have the meaning assigned to them in the context of this Agreement.
      1. Unless otherwise specified, in this Agreement:
        1. References to any gender include all genders.
        2. References to persons include individuals, corporations, and any other legal entities.
        3. Headings are for convenience only and do not affect the interpretation of this Agreement.
        4. Any reference to a statutory provision includes it as amended, re-enacted, or replaced from time to time.
  3. Scope of Services
    1. Skenderpay agrees to provide the Services as set out in this Agreement
    2. To be eligible to use any of the Skenderpay Services, you must:
      1. Be at least 18 years (if you are an individual);
      2. Have sufficient capacity to enter into legally binding agreements;
      3. Reside in a country where Skenderpay Services are accessible.
    3. The User acknowledges that the provision of Services by Skenderpay is dependent upon the necessary technological infrastructure, regulatory permissions, and operational capacity.
    4. Skenderpay reserves the right, at its sole discretion, to modify, suspend, or discontinue any or all of the Services without prior notice. However, Skenderpay will endeavour to notify the User of any significant changes or disruptions to the Services where feasible.
    5. Additional information regarding the Services, their use, and limitations will be communicated to the User from time to time.
    6. Skenderpay reserves the right to immediately suspend your User Account and the provision of the Services.
  4. User Onboarding Process
    1. Skenderpay conducts KYC Procedures to fulfil its legal obligations, including but not limited to Anti-Money (AML) and Counter-Terrorism Financing (CTF) requirements.
    2. To utilise our Services, the User must complete our User Onboarding process, which includes compliance with KYC Procedures. The User acknowledges that failure to meet these requirements will result in Skenderpay's refusal to provide the Services.
    3. Skenderpay is dedicated to safeguarding User data collected during the onboarding process. The collection, usage, and protection of User data will be in accordance with relevant data protection legislation and Skenderpay’s Privacy Notice. We encourage Users to review our Privacy Notice for a more detailed understanding of our data practices.
  5. User Obligations
    1. Users are responsible for providing accurate, complete, and current information during the User Onboarding process and throughout their use of the Services. Users warrant that all information provided, including personal identification documents, contact details, and any other requested information, is accurate, reliable, and up-to-date. Users agree to update their information if any changes occur promptly. This obligation applies equally when Skenderpay requests additional information.
    2. Users commit to utilising the Services in compliance with all applicable laws, regulations, and guidelines of their jurisdiction. This includes but is not limited to laws related to AML, CTF, other financial crime prevention measures, and tax laws. Users acknowledge that they are solely responsible for understanding and complying with the applicable legal requirements for their use of the Services.
    3. You are responsible for determining whether and to what extent any taxes, including but not limited to income tax, goods and services tax, VAT, or other applicable taxes, apply to any transactions associated with the Services provided by Skenderpay. You are responsible for withholding, collecting, reporting, and remitting the correct amounts of taxes to the appropriate tax authorities.
    4. Users bear responsibility for maintaining the security and confidentiality of their User Account even when the User can access the Services through a Partner Site. That includes, but is not limited to, the following:
      1. Monitoring your User Account and reading all messages that have been sent to you. Suppose you suspect that any aspect of your User Account has been compromised. In that case, you must contact Skenderpay immediately and change your Partner Site password or your User Account password (if applicable).
      2. Ensuring that your registered email account(s) are secure. Should any of your registered email addresses be compromised, you should immediately contact Skenderpay and your email service provider.
    5. Users must refrain from granting access to the Services to unauthorised individuals. You agree to promptly notify Skenderpay of any unauthorised access or suspected security breaches related to your User Account.
    6. Users must refrain from using an anonymising proxy; use any other automatic devices, spiders, or manual processes to copy or monitor our websites without our prior written permission;
    7. You will not harass and/or threaten our employees, agents, or other Users.
    8. Users agree to cooperate with Skenderpay in any investigations or inquiries related to their User Account. This includes, but is not limited to, identity verification, transaction monitoring, and actions taken by Skenderpay in compliance with applicable laws and regulations. Users understand that Skenderpay may request additional documentation or information to ensure compliance and mitigate potential risks associated with financial crimes.
  6. Intellectual Property
    1. Skenderpay retains all rights, title, and interest in the works, signs, trademarks, and other Intellectual property made available to the User to the extent necessary for the provision of the Services. Users acknowledge that Skenderpay’s intellectual property rights are protected by law.
    2. Users are granted the right to use the works made available on the Website for lawful private purposes. This includes accessing and viewing content on the Website solely for personal, non-commercial use. Users are prohibited from reproducing, distributing, modifying, or creating derivative works of the works without prior written permission from Skenderpay.
    3. Users agree to respect and not infringe upon Skenderpay’s Intellectual Property Rights. Users must not remove, obscure, or alter any notice of Skenderpay’s trademarks or other intellectual property appearing on the Website or within the Services. Users are also prohibited from reverse-engineering, disassembling, or decompiling any software included in the Services, or from applying any other process to derive the source code, without prior written permission from Skenderpay.
  7. Liability and Indemnification
    1. Skenderpay, its affiliates, directors, employees, or agents, shall not be liable for any loss or damage sustained by you as a direct or indirect result of the provision by Skenderpay of its Services, save for:
      1. Any intentional damages caused by Skenderpay.
      2. Damage resulted from fraud, fraudulent misrepresentation, or fraudulent misstatement;
      3. Death or personal injury;
      4. Any statutory liability not capable of limitation.
    2. In no event shall Skenderpay, its affiliates, or service providers, including their respective officers, be liable for an amount greater than EUR 1’000 or the actual loss, whichever is lesser, arising out of the use of the Services or any other product, service, or item provided by Skenderpay, its affiliates, or Partner.
    3. Skenderpay makes no warranties about the availability of its Services and assumes no liability for any damages or interruptions caused by elements outside of its control.
    4. Skenderpay is not responsible for any damages or interruptions caused by any computer viruses, spyware, scareware, Trojan horses, worms, or other malware that may affect your computer or other equipment.
    5. If Services are accessed through a Partner Site, the Partner’s terms of service and privacy policy apply alongside this Agreement. Skenderpay is not liable for any loss or damage caused by actions of or disputes with the Partner.
    6. Skenderpay shall not be liable for delays, failure in performance or interruption of Service which result directly or indirectly from any cause or condition beyond our reasonable control, including but not limited to significant market volatility, any delay or failure due to any act of God, act of civil or military authorities, act of terrorists, civil disturbance, war, strike or other labour dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, other catastrophe or any other occurrence which is beyond our reasonable control.
    7. Skenderpay shall not be liable to you for any permanent or temporary modification, suspension, or termination of your User Account or suspension or termination of your access to all or any portion of the Services.
    8. Except for the express statements outlined in this Agreement, you hereby acknowledge and agree that you have not relied upon any other statement or understanding, whether written or oral, with respect to your use and access of the Services and Website.
    9. Users are responsible for ensuring compliance with laws of their jurisdiction and indemnify Skenderpay, its affiliates, directors, employees, or agents from any losses that arise due to non-compliance. The User agrees to indemnify and hold Skenderpay, its affiliates, and any other related or third parties involved with Skenderpay harmless from and against all losses, damages, liabilities, claims, demands, actions, or other proceedings arising from:
    10. Fraud, negligence, or wilful misconduct by the User in the use of the Services;
    11. Violation of applicable laws in the use of the Services and/or in the conduct of the User’s business;
    12. Breach of the User’s obligations under this Agreement, including penalties, fines, charges, or any other actions resulting from a breach or violation by the User;
    13. Suppose Skenderpay incurs any losses, damages, liabilities, claims, demands, actions, or other proceedings covered by the User’s indemnification obligations as outlined in this Agreement. In that case, Skenderpay reserves the right to seek indemnification from the User. The User agrees to reimburse Skenderpay for any such losses or expenses incurred promptly.
    14. If Skenderpay seeks indemnification from the User, Skenderpay shall provide the User with prompt written notice of the claim or action for which indemnification is sought. The User shall have the right to participate in the defence of any such claim or action with counsel of their own choosing, at their own expense. However, Skenderpay shall have the right to control the defence and settlement of any such claim or action.
  8. Disclaimer
    1. Any communication or data shared with you by Skenderpay should not be considered or construed as investment, financial, or trading advice.
    2. You bear exclusive responsibility for evaluating whether any Transaction is suitable for you based on your personal goals, financial situation, and risk tolerance. Furthermore, any losses or liabilities resulting from your decisions remain solely your responsibility. We encourage you to consult legal or tax professionals tailored to your unique circumstances.
  9. Amendments and Termination
    1. Skenderpay may modify the terms of this Agreement from time to time. If we make changes, we will notify you by revising the page and changing the “Effective on” at the top of the Agreement, and, in some cases, we may provide you with additional notice (such as sending you an email). The User is encouraged to review the Agreement periodically to stay informed about our practices.
    2. By continuing to use Services after an updated version of the Agreement is released, you are agreeing to abide by it.
    3. This Agreement will continue to apply until terminated by either you or Skenderpay as set forth below. If you want to terminate your legal Agreement with Skenderpay, you may do so by (a) notifying Skenderpay at any time and (b) closing your User Account for all of the Services that you use. We may terminate this Agreement at any time based on our sole discretion.
    4. All Transactions initiated before will be executed in accordance with this Agreement.
  10. Notices
    1. All notices and communications pursuant to or in connection with this Agreement must be in English and in writing.
    2. All notices and communications to Skenderpay shall be delivered and/or sent to the following address: Email: support@skenderpay.com
    3. Skenderpay may also provide an alternative address for notice delivery, which will be notified to the User occasionally.
    4. All notices and communications to the User shall be delivered or sent to the postal address or email address provided by the User in connection with this Agreement.
  11. Data Protection
    1. Skenderpay is committed to protecting the personal information of its Users and will process personal data under applicable data protection laws and regulations.
    2. Use and Storage of Personal Data: Skenderpay will process the User’s personal data to perform the Agreement properly per Skenderpay’s Privacy Notice.
    3. Skenderpay will not transmit Users’ personal data to other entities without the User’s consent unless this possibility is provided in the Privacy Notice, the User consents to it, or it is required by law. In any case, any data transfers will be conducted in accordance with applicable data protection laws.
  12. Entire Agreement and Severability
    1. This Agreement constitutes the entire understanding and agreement between the parties with respect to its subject matter. It supersedes all prior or contemporaneous agreements, representations, warranties, and understandings of the Parties (whether oral or written). The Agreement shall be construed according to its fair meaning and not strictly for or against either party.
    2. If any provision, or any part thereof, of this Agreement is determined invalid or unenforceable under applicable law, said provision would be ineffective to the extent of such invalidity only, without in any way affecting the remaining parts of said provision or the remaining provisions of this Agreement
    3. If any provision of this Agreement is found to be invalid or unenforceable, the parties agree to negotiate in good faith to replace such provision with a valid and enforceable provision that achieves, to the extent possible, the original intent and economic effect of the invalid or unenforceable provision.

Last updated 21 Dec 2025