Legal & Disclosures

Valorapay is an independent sales organization (“ISO”) and is not a bank, financial institution, or payment processor.

We act solely as a referral partner connecting merchants with third-party payment processing providers.

All crypto and fiat payment processing services are provided by third-party providers (such as Bitflow and other partners).

Valorapay:

• Does not process payments
• Does not hold or custody funds
• Does not control transaction settlement

All services are subject to the terms and conditions of the respective provider.

Valorapay does not provide financial, investment, legal, or tax advice.

Any information provided is for general informational purposes only. You should consult qualified professionals before making financial or business decisions.

Cryptocurrency involves inherent risks, including but not limited to:

• Price volatility
• Network congestion or delays
• Regulatory changes

Valorapay makes no guarantees regarding the value or performance of any cryptocurrency.

While some solutions may allow fees to be passed to customers, fees may still apply depending on:

• Network conditions
• Payment method
• Processor terms
• Conversion or spread costs

Merchants are responsible for reviewing all applicable fee structures before onboarding.

Payout timing (including “fast payouts” or scheduled settlements) depends entirely on the third-party processor.

Delays may occur due to:

• Compliance reviews
• Banking processes
• Network conditions

Valorapay does not guarantee payout speed.

Merchants are solely responsible for:

• Compliance with local, state, and federal laws
• Tax reporting and obligations
• AML/KYC requirements (as applicable)
• Proper use of payment processing services

Valorapay may receive commissions, referral fees, or residual payments from third-party providers for merchant referrals.

Valorapay shall not be held liable for:

• Actions or failures of third-party processors
• Payment delays or disruptions
• Losses related to cryptocurrency volatility
• Merchant misuse of services

All services are provided “as is” without warranties of any kind.