Terms of Service

Last updated: 2026-05-09 Version: 1.0

Plain-English summary. Plirin is software that helps merchants accept stablecoin payments. We never custody your money — every transaction settles directly to a wallet you control. To use the platform you must run a legitimate US business, complete identity verification, and not be on a sanctions list. Disputes are resolved through individual binding arbitration; class actions are waived. Read sections 8 (Prohibited Use), 17 (Limitation of Liability), and 19 (Arbitration) carefully — they affect your legal rights.

1. Acceptance of these Terms

These Terms of Service ("Terms") form a binding contract between you and Plirin Labs ("Plirin", "we", "us", "our") covering your use of plirin.com, the Plirin merchant dashboard, our APIs, our hosted checkout, and any related software and services (collectively, the "Service").

By creating an account, clicking "I agree", or using the Service, you accept these Terms and our Privacy Policy. If you accept on behalf of a company, you represent that you are authorized to bind that company. "Merchant" or "you" refers to that company.

If you do not agree, do not use the Service.

2. Definitions

3. Eligibility

To use the Service you must:

1. Be at least 18 years old.
2. Represent a business entity (LLC, corporation, partnership, or similar) formed and in good standing under the laws of the United States or one of its states.
3. Be authorized to bind that entity to these Terms.
4. Not appear on any sanctions list maintained by the US Office of Foreign Assets Control (OFAC), the UN Security Council, the EU, the UK, or any other applicable list.
5. Not be located in, or operate from, a jurisdiction subject to comprehensive US sanctions (currently including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine), and not be acting on behalf of any person or entity that is.

If your circumstances change such that you no longer meet these requirements, you must stop using the Service immediately and notify us at compliance@plirin.com.

4. Your account

You agree to provide accurate, current, and complete information during registration and to keep that information up to date.

You are responsible for:

• Safeguarding your password and any API keys we issue to you.
• All activity under your account, including activity by your staff users.
• Notifying us immediately of any unauthorized access at security@plirin.com.

We may suspend or terminate accounts where we have reason to believe credentials have been compromised or are being misused.

5. KYB verification

Mainnet payments require successful completion of KYB and wallet screening. You agree:

• To submit accurate business and beneficial-owner information.
• To consent to the sharing of that information with our verification sub-processors as described in our Data Sharing Policy.
• That a KYB rejection or a sanctions hit on a payout wallet may result in suspension or termination of your access to mainnet features.
• That KYB approval is not permanent. We may re-screen your business or wallets and may suspend access if a re-screening surfaces new risk.

The verification process and possible outcomes are described in our KYB documentation.

6. The Service: non-custodial payment infrastructure

Plirin provides software infrastructure that helps merchants accept stablecoin payments. Every payment settles peer-to-peer on the relevant blockchain, directly to a wallet that you control. We do not custody, hold, transmit, convert, or otherwise take possession of your funds at any point.

Because of this:

• Plirin is not a money transmitter, money services business, broker-dealer, exchange, custodian, or trust company.
• Plirin does not provide investment, tax, accounting, or legal advice.
• We provide tooling. You are responsible for your tax obligations, your accounting, and the legality of your underlying business.

We support the blockchains and stablecoins listed in our published documentation. We may add or remove supported assets and networks at our discretion.

7. Permitted use

You may use the Service to accept stablecoin payments in connection with the lawful business activity disclosed during KYB. Any other use requires our written consent.

8. Prohibited use

You will not, and will not permit others using your account to:

1. Engage in money laundering, terrorist financing, sanctions evasion, or any other financial crime.
2. Sell or facilitate the sale of: controlled substances, illicit drugs, drug paraphernalia, regulated weapons, ammunition, fraudulent or counterfeit goods, stolen goods, or items that infringe third-party intellectual property.
3. Sell or facilitate the sale of: child sexual abuse material, non-consensual intimate imagery, or any content that is illegal under US federal or applicable state law.
4. Operate gambling, lotteries, sports betting, sweepstakes, or wagering, unless specifically authorized in writing by us.
5. Operate a Ponzi scheme, pyramid scheme, get-rich-quick scheme, or multi-level-marketing program whose primary purpose is recruitment.
6. Sell or facilitate the offering of securities, commodity derivatives, swaps, or other regulated financial instruments without all required licenses and registrations.
7. Sell adult content or services where prohibited by applicable law or by our processing partners.
8. Act on behalf of any person, entity, or jurisdiction subject to sanctions described in Section 3.
9. Submit a wallet address that has been associated with sanctioned activity, ransomware, mixers, darknet markets, or other crypto-crime categories that we screen against. We screen on submission and on an ongoing basis (see Section 10).
10. Submit false, misleading, or incomplete information during KYB or at any other time.
11. Use the Service for personal, non-business purposes.
12. Reverse engineer, decompile, or scrape the Service, or use it to build a competing product.
13. Circumvent or attempt to circumvent rate limits, security controls, KYB requirements, or wallet screening.
14. Resell, sublicense, or share your access without our written consent.
15. Use the Service to send unsolicited communications or to interfere with the Service or other users.

We may add categories to this list as we identify new risks. We will give reasonable notice of additions where practical.

9. Cryptocurrency risks (your acknowledgment)

You acknowledge and accept the following:

• Blockchain transactions are irreversible. Once settled, a transaction cannot be undone. You are responsible for verifying counterparties and amounts.
• Stablecoins can fail. A stablecoin issuer may de-peg, halt redemptions, freeze assets, or collapse. We do not guarantee the value or solvency of any stablecoin.
• Network risk. Blockchain networks may experience congestion, forks, or downtime. Transaction confirmation times vary.
• Key management. If you lose access to your wallet's private keys, the funds in that wallet are unrecoverable. Plirin does not hold your keys.
• Regulatory risk. Cryptocurrency regulation is evolving. Future regulations may affect the availability of the Service or specific features.
• No insurance. Plirin does not insure funds held in your wallets.

10. Wallet compliance

When you add a payout wallet, we screen its on-chain activity against OFAC sanctions data and other crypto-crime databases through our screening sub-processor.

• Wallets that match a sanctions designation will be rejected.
• Wallets that match elevated-risk categories may be marked for review and held until cleared.
• We re-screen previously approved wallets on a recurring schedule. A wallet that becomes flagged after approval may be placed on a compliance hold while we investigate.

The categories we treat as hard blocks (such as OFAC designations and ransomware) and our review process are described in /docs/kyb/wallet-compliance.md.

11. Refunds and chargebacks

• Refunds are at your discretion as the merchant. The Service provides tooling to issue full or partial refunds via a separate outgoing transaction.
• Because blockchain transactions are not reversible, a refund is a new payment from your wallet to your customer's wallet. You are responsible for ensuring you have funds available.
• Cryptocurrency does not support traditional card-network chargebacks. Plirin does not adjudicate disputes between you and your customers.
• Plirin is not a party to the underlying sale and is not responsible for delivery of goods or services, refund disputes, or customer satisfaction.

12. Fees

Transaction fees. We charge a percentage-based transaction fee on each successful payment according to the pricing schedule in your dashboard and on plirin.com. Published rates are typically 1.5% (Free), 1.3% (Starter), and 1.0% (Growth); Enterprise and custom arrangements may differ. The fee rate in effect when a payment is created applies to that payment, even if your plan changes later. Fees are calculated on the total payment amount, including any tip.

How fees are collected. On supported Solana checkout flows where the customer connects a wallet, our fee is deducted in the same on-chain transaction as the customer's payment: the customer authorizes one transaction that sends your net share to your designated wallet and our platform fee to our fee wallet. We do not custody customer funds. On other networks or payment methods where atomic on-chain deduction is not supported, the customer may send the full payment amount to your wallet; we record the applicable fee in our systems and may collect it through invoicing or other means described in the pricing schedule.

Subscriptions. Some plans may include a monthly subscription fee shown in the pricing schedule. When subscription billing is enabled, it is separate from per-transaction fees.

Changes. We may change fees with 30 days' written notice to the email on file. Custom pricing documented in writing supersedes the published schedule for the agreed period.

Authorization. You authorize us to collect applicable transaction fees as described above and in the pricing schedule.

13. Intellectual property

• Plirin retains all right, title, and interest in the Service, including all software, documentation, branding, and improvements.
• You retain ownership of your business data and content. You grant Plirin a non-exclusive, worldwide, royalty-free license to use, host, copy, transmit, and display your business data solely as necessary to operate the Service for you.
• If you provide feedback or suggestions, you grant us a perpetual, royalty-free license to use them without obligation to you.
• Nothing in these Terms grants you any license to Plirin trademarks, logos, or branding without our prior written consent.

14. Privacy

Your use of the Service is also governed by our Privacy Policy. Compliance records (KYB, AML, wallet screening, transaction history, audit logs) are retained per applicable law (see Privacy Policy §6) even after you close your account.

15. Suspension and termination

You may close your account at any time by contacting support@plirin.com or using the account-closure flow in the dashboard.

We may suspend or terminate your account, immediately and without prior notice, for:

• Material breach of these Terms.
• KYB rejection, repeated KYB failures, or a positive sanctions hit on you, your business, a UBO, or a payout wallet.
• A reasonable, good-faith belief that your activity poses fraud or security risk to the platform, our users, or our payment partners.
• A binding order from a regulator, court, or other competent authority.
• Extended inactivity (no successful login or activity for 24 months) after at least one warning email.

On termination:

• Your access to the dashboard and APIs ends.
• Funds already in your wallets are unaffected — we do not custody them.
• We will preserve compliance records for the periods required by law (see Privacy Policy §6).
• You remain responsible for fees accrued before termination.
• Sections that by their nature should survive (Definitions, Intellectual Property, Privacy, Disclaimers, Limitation of Liability, Indemnification, Dispute Resolution, Governing Law, General Provisions) will survive termination.

16. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PLIRIN DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT ANY SPECIFIC TRANSACTION WILL CONFIRM IN A PARTICULAR TIMEFRAME; THAT BLOCKCHAIN NETWORKS WILL BE AVAILABLE OR FUNCTION AS EXPECTED; OR THAT ANY STABLECOIN ISSUER WILL REMAIN SOLVENT OR HONOR REDEMPTIONS.

17. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PLIRIN'S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO PLIRIN IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED US DOLLARS (USD $100).

IN NO EVENT WILL PLIRIN BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR BUSINESS, EVEN IF ADVISED OF THE POSSIBILITY.

WE ARE NOT LIABLE FOR LOSSES ARISING FROM BLOCKCHAIN NETWORK FAILURES, STABLECOIN ISSUER ACTIONS, THIRD-PARTY OUTAGES (INCLUDING OUR SUB-PROCESSORS), REGULATORY CHANGES, OR YOUR LOSS OF WALLET KEYS.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN THOSE JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

18. Indemnification

You agree to defend, indemnify, and hold harmless Plirin and its officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your breach of these Terms.
• Your violation of any law or regulation.
• Your underlying business, products, or services.
• Disputes between you and your customers.
• Your use of the Service in violation of Section 8 (Prohibited Use).
• Your use of payouts after they have settled to your wallet.

19. Dispute resolution: binding arbitration and class action waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

19.1 Informal resolution. Before filing any formal action, the parties will try in good faith to resolve any dispute informally for at least 30 days after written notice (sent to legal@plirin.com or to your registered email). The notice must describe the dispute and the relief sought.

19.2 Binding individual arbitration. Any dispute that is not resolved informally will be resolved by final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. Information about AAA is at https://www.adr.org. The arbitrator will decide all issues, including the scope and enforceability of this arbitration provision.

19.3 Seat and language. The seat of arbitration will be Wilmington, Delaware (or another mutually agreed location). The arbitration will be conducted in English. Hearings may be held remotely.

19.4 Costs. Each party will bear its own costs unless the arbitrator determines otherwise. Filing and administration fees are governed by AAA's rules.

19.5 Class action waiver. You and Plirin each agree to bring claims only in an individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding. Class arbitration, class actions, and consolidated proceedings are waived. If a court finds this class waiver unenforceable for a particular claim, that claim must proceed in court rather than in arbitration; all other claims remain in arbitration.

19.6 Exceptions. Either party may bring an action in small claims court for disputes within that court's jurisdiction, and may seek injunctive or equitable relief in court to protect intellectual property rights.

19.7 Federal Arbitration Act. This Section is governed by the Federal Arbitration Act.

20. Governing law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

21. Force majeure

Neither party will be liable for failure or delay in performance due to events beyond its reasonable control, including blockchain network failures or forks, internet outages, denial-of-service attacks, government action, war, terrorism, fire, flood, earthquake, pandemic, labor disputes, and acts of God.

22. Modifications to these Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top. For changes that materially affect your rights or obligations, we will give at least 30 days' notice to the email on file before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance. If you do not agree to a change, you must stop using the Service before the change takes effect.

23. General provisions

24. Contact