Risk Notice

Version of test-2026-10-05

Read this notice before you top up your wallet in the PayMeSafe service. Before the first deposit you confirm that you have read it: without this, no deposit address is issued. The notice forms part of the Terms of Service; the service is provided by PayMeSafe Test Operator (the "Operator").

1. Cryptocurrency

  1. The value of cryptocurrency can change sharply, including during a deal. Even dollar-pegged tokens such as USDT can deviate from their price. The service does not protect against changes in the value of assets.

  2. Blockchain transfers are irreversible. A transfer sent to an external address cannot be cancelled or returned.

  3. A wrong address, the wrong network or a missing required memo can lead to an irreversible loss of funds.

  4. Operations on the network incur a network fee. Its amount changes with network load, and the Operator has no influence over it.

  5. Blockchain networks can experience delays and failures and change their rules by decision of their participants. Deposits and withdrawals depend on the operation of the network.

  6. A token issuer can block tokens at individual addresses or change the rules for their circulation.

2. Funds held by the Operator

  1. Funds in the wallet and locked funds are held by the Operator itself: it creates and keeps the keys to the deposit addresses. You do not control these keys and dispose of your funds through the service.

  2. Funds in the service are not a bank deposit and are not covered by deposit insurance. The service is not a bank.

  3. Access to funds depends on the operation of the service: in case of a failure, maintenance or suspension of operations required by law, deposits, locking funds and withdrawals may be temporarily unavailable.

  4. Funds can be lost if someone else gains access to your account. Keep your password and codes secret and enable multifactor authentication.

  5. A withdrawal requires completed identity verification. Until verification is completed, funds cannot be withdrawn.

3. Partner risks

  1. The Operator is not a party to the deal and does not check the partner, the subject of the deal or its legality. A partner's completed identity verification does not mean that the partner is acting in good faith or will perform the deal.

  2. Locked funds protect the payment but do not guarantee that the deal will be performed. If the partner does not fulfil the terms, funds can be returned only through a dispute.

  3. A decision in a dispute is based on the materials provided by the parties. If the evidence is insufficient, the decision may not be in your favour.

  4. The service fee is withheld when funds are locked and stays with the Operator in any outcome, including a refund to the buyer.

  5. The parties write the deal terms themselves. Inaccurate or incomplete terms make it harder to review a dispute. Findings of the AI assistant are not legal advice.

4. Legal risks

  1. The legal regulation of digital currencies differs between countries and changes. New laws may restrict or prohibit certain operations, deals or the operation of the service in your country.

  2. You check for yourself whether the law of your country allows you to use the service and make deals with digital currency, and you are responsible for this.

  3. You determine and pay taxes on operations with digital currency yourself.

  4. Where the law requires it, the Operator may suspend operations, request information from you or pass it to government authorities.

5. What you confirm

  1. By ticking the box before the first deposit, you confirm that you have read this notice, understand the risks described and accept them.

  2. The box is recorded together with the version of the notice, the date and time, the IP address and browser details.