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Terms of Service


Terms of Service

Last updated: 12 January 2026

1. Introduction

These Terms of Service (“Terms”) govern access to and use of the software platform, application programming interfaces (APIs), software development kits (SDKs), dashboards, documentation, and related technical infrastructure (collectively, the “Services”) provided by Aigen LLC, operating under the brand ItisPay (“ItisPay”, “we”, “our”, or “us”).

By accessing or using the Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use the Services.

2. Scope and Nature of the Services

ItisPay provides technology and software infrastructure for business customers, enabling invoicing, payment orchestration, and technical connectivity with third-party financial service providers.

ItisPay is not a bank, payment institution, electronic money institution, virtual asset service provider, or financial intermediary, and does not act as such.

ItisPay does not provide any regulated financial services, including, but not limited to:

  • custody, safeguarding, or control of funds or digital assets;
  • issuance of payment accounts, IBANs, vIBANs, or electronic money;
  • execution, processing, clearing, or settlement of payment transactions;
  • fiat or crypto on-ramp or off-ramp services;
  • exchange or conversion of fiat or digital assets.

The Services are strictly limited to technical facilitation and software functionality and do not involve the handling, execution, settlement, or flow of funds.

At no time does ItisPay take possession, control, or custody of user funds, payment accounts, or digital assets.

3. Third-Party Financial Service Providers

Certain functionalities accessible through the Services may require integration with independent third-party regulated financial institutions, including licensed payment institutions, electronic money institutions, or virtual asset service providers (“Third-Party Providers”).

All regulated financial services are provided solely by the relevant Third-Party Providers under their own licenses, regulatory obligations, terms, and policies.

Access to such services is subject to:

  • separate contractual arrangements between you and the applicable Third-Party Provider;
  • successful completion of all required KYC, KYB, AML, and compliance checks;
  • acceptance of the Third-Party Provider’s own terms, disclosures, and policies.

ItisPay has no influence over onboarding decisions, risk assessments, compliance determinations, or account approvals made by Third-Party Providers and does not guarantee access to regulated financial services.

4. Availability and No-Offer Disclaimer

Certain features described on the website, documentation, or marketing materials may be subject to technical readiness, commercial agreements, and regulatory approvals and may not be available at all times, in all jurisdictions, or to all users.

Nothing in the Services, documentation, or marketing materials constitutes an offer, solicitation, or commitment to provide regulated financial services.

5. Account Registration and Security

To access certain features of the Services, you may be required to register an account and provide accurate, complete, and up-to-date information.

You are responsible for maintaining the confidentiality of your credentials and for all activities conducted through your account.

You must promptly notify us of any unauthorised access or security breach.

6. User Obligations

You represent and warrant that:

  • you use the Services solely for lawful business purposes;
  • you will not represent or market ItisPay as a regulated financial institution or service provider;
  • your use of the Services complies with all applicable laws and regulations in your jurisdiction.

You are solely responsible for determining whether your use of the Services is permitted under applicable law.

7. Fees

Fees for access to or use of the Services, where applicable, are communicated separately through commercial agreements, order forms, or pricing pages.

ItisPay does not collect, hold, or deduct fees from payment accounts, wallets, or funds held by Third-Party Providers.

8. Intellectual Property

All intellectual property rights in and to the Services, including APIs, SDKs, software, documentation, designs, trademarks, and logos, are owned by Aigen LLC or its licensors.

You are granted a limited, non-exclusive, non-transferable, revocable licence to use the Services strictly in accordance with these Terms and the applicable documentation.

9. Privacy and Data Protection

Personal data is processed in accordance with our Privacy Policy.

Where regulated financial services are involved, personal data may be processed directly by Third-Party Providers acting as independent data controllers under applicable data protection laws.

10. Service Availability

The Services are provided on an “as available” basis. We do not guarantee uninterrupted or error-free operation.

ItisPay shall not be liable for losses arising from:

  • service interruptions or outages;
  • maintenance or technical failures;
  • actions or omissions of Third-Party Providers;
  • regulatory or supervisory decisions affecting Third-Party Providers.

11. Suspension and Termination

We may suspend or terminate access to the Services, with or without notice, where required by law, regulatory obligations, or in case of breach of these Terms.

Termination does not relieve you of any outstanding contractual or payment obligations.

12. Disclaimer of Warranties

The Services are provided “as is” and “as available”, without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.

13. Limitation of Liability

To the maximum extent permitted by law, Aigen LLC shall not be liable for any indirect, incidental, consequential, special, or punitive damages.

The total aggregate liability of Aigen LLC for any claims arising out of or in connection with these Terms shall not exceed the fees paid by you to ItisPay during the three (3) months preceding the event giving rise to the claim.

14. Indemnification

You agree to indemnify and hold harmless Aigen LLC, its affiliates, officers, employees, and contractors from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising from:

  • your use of the Services;
  • your breach of these Terms;
  • your violation of applicable laws or regulations.

15. Governing Law and Jurisdiction

These Terms shall be governed by the laws of the Republic of Poland, without regard to its conflict of law principles.

Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts of Warsaw, Poland, unless mandatory provisions of applicable law provide otherwise.

16. Changes to the Terms

We may update these Terms from time to time. Updated versions will be published with a revised “Last updated” date.

Continued use of the Services after changes take effect constitutes acceptance of the updated Terms.

17. Contact Information

Aigen LLC Attn: Legal Team ul. Domaniewska 17/19/133 02-672 Warsaw, Poland

Email: [email protected] Support: [email protected]