These Terms of Service ("Terms") govern your access to and use of the Wayaki mobile and web application and wayaki.com (together, the "Service"), operated by Wayaki ("Wayaki", "we", "us", "our"). By creating an account or using the Service, you agree to these Terms. If you don't agree, don't use the Service.
You must be at least 18 years old and able to form a binding contract to use Wayaki. By creating an account, you confirm you meet these requirements and that all information you provide is accurate and current.
Wayaki gives you a crypto wallet, a mobile-money wallet, and a virtual bank account inside one account, along with transfers, bill payments, and merchant payments. Some features described on wayaki.com or in the app are still in development or pending regulatory licensing — where that's the case, we label them "planned" or "in development," and they aren't available for real transactions until we say otherwise.
Some transactions and account tiers carry fees (for example, remittance transfer fees or an optional premium subscription). We'll show you the applicable fee before you confirm a transaction. We may change our fees going forward; continued use of the Service after a fee change takes effect means you accept it.
You agree not to use Wayaki to:
We may suspend, limit, or close your account if we reasonably believe you've violated these Terms, or if required by law or by our banking, payment, or crypto-custody partners.
Cryptocurrency prices are volatile and can change quickly; the value of crypto assets you hold through Wayaki can go up or down and may result in loss. Wayaki does not provide investment, financial, or tax advice, and nothing in the app should be read as a recommendation to buy, sell, or hold any asset. See our Risk & Regulatory Disclaimer for more detail.
You can request account deletion at any time from Settings in the app, or by emailing support@wayaki.com. We'll close your account and stop it from being used to sign in; financial and identity records we're legally required to keep are retained for the period described in our Privacy Policy and then deleted. We may also suspend or close accounts on our side for the reasons described in Section 5, or to comply with law.
Wayaki is provided "as is." To the extent permitted by law, we aren't liable for indirect, incidental, or consequential damages arising from your use of the Service, including losses from market movements in crypto assets, third-party payment-rail outages, or actions taken by other users. Nothing in these Terms limits liability that can't legally be limited, such as liability for our own fraud.
We may update these Terms as the Service or our legal obligations change. We'll post the revised version here with an updated effective date, and where a change is material, we'll notify you in the app or by email.
Questions about these Terms can be sent to support@wayaki.com.