These Terms of Service ("Terms") form a binding agreement between you and Finstack LLC, a Montana limited liability company doing business as SprintPay — the brand and operating name under which its payment services are offered (together, "SprintPay," "we," "us") — registered with the U.S. Department of the Treasury, Financial Crimes Enforcement Network (FinCEN) as a Money Services Business (#31000323879688).
1. Eligibility
You must be at least 18 years old and able to enter into a binding contract under applicable law. You must not be on any U.S. or international sanctions list, nor located in a jurisdiction subject to comprehensive sanctions.
2. Account & verification
You agree to provide accurate, complete information and to keep it up to date. We may verify your identity, the identity of beneficial owners, and the source of funds, and decline or terminate service where verification cannot be completed.
3. Services
SprintPay provides money-transmission, foreign-exchange and stablecoin off-ramping services through the SprintPay platform. Services may be modified, suspended, or discontinued at any time.
4. Fees & FX
Fees and FX spreads are disclosed prior to each transaction. The quoted rate is valid for the lock window shown on the quote. Bank wire fees and network fees may apply and are itemized.
5. Acceptable use
You will not use the services for illegal activity, fraud, money laundering, terrorism financing, sanctions evasion, gambling in jurisdictions where prohibited, or to fund prohibited goods or services. We may freeze, reverse or refuse any transaction we believe violates these Terms or applicable law.
6. Compliance representations
You represent that funds you transmit are not derived from criminal activity, you are the beneficial owner of the funds, and you will provide documentation supporting source of funds and beneficiary information on request.
7. Risk disclosure
Foreign-exchange rates fluctuate. Cryptocurrency values are volatile. Please review our Risk Disclosure before transacting.
8. Limitation of liability
To the maximum extent permitted by law, SprintPay's aggregate liability for any claim is limited to the fees paid by you for the transaction giving rise to the claim. SprintPay is not liable for indirect, special, incidental or consequential damages.
9. Indemnification
You will indemnify SprintPay from claims arising out of your breach of these Terms, your violation of applicable law, or your misuse of the services.
10. Governing law & dispute resolution
These Terms are governed by the laws of the State of Montana, without regard to its conflict-of-laws principles. Disputes will be resolved by binding arbitration in Kalispell, Montana, except where prohibited by law.
11. Changes
We may update these Terms; we will post updates to this page with a revised "Last updated" date. Continued use of the services after a change constitutes acceptance.
12. Contact
Finstack LLC, 1001 S Main St, Ste 600, Kalispell, MT 59901-1498, USA.