VoltPay Platform: Terms of Service

Effective date: April 21, 2026

Index

Part I: General Terms of Service

The following terms apply to any User of the VoltPay Services.

1. Overview

Please read these Terms of Service (“Terms”) carefully before using the voltpay.ai website (the “Platform”) operated by VoltPay AI, Inc. (“VoltPay,” “us,” “we,” or “our”). For purposes of these Terms, “you” and “your” means you as a user of the Platform. We may update these Terms from time to time by posting an updated version here.

VoltPay enables businesses to seamlessly manage relationships with independent contractors, including onboarding, compliance, contract management, and cross-border payroll and payouts.

These Terms apply to all Users who wish to access the Platform or use the Services. Depending on the designation of your account, different services may be available to you depending on the User type you may have (“Services”). Certain Services may also only be available subject to the payment of fees detailed on the Platform. Certain Users may also have additional terms and conditions applicable to their use of the Platform as described in these Terms. VoltPay reserves the right to modify or discontinue providing the Services or any part of them, at any time and without notice, at its sole discretion.

2. Definitions

Capitalized words in these Terms are defined as follows:

2.1. “Account” means an account to access and use the Platform in accordance with the applicable terms.

2.2. “Administrator” refers to Users with authority to, on behalf of a Business, apply for an Account, access the Services, manage an Account, and otherwise act on behalf of the Business.

2.3. “Authorized User” means, in the case of (a) individuals who are Users, the individual, and (b) Businesses that are Clients, any employee, agent, or contractor of that Business who is provided with credentials and authorized by the Client or an Administrator to access and use the Platform and Services under that Account.

2.4. “Business” means any type of legal entity with an Account created on the Platform and managed through an Administrator.

2.5. “Clients” refers to Users who use the Platform to request Services and make payments through the Platform in connection with their receipt of any Services.

2.6. “Content” means all content on or made available on the Platform or through the Services, including any documents, images, photos, pictures, videos, data, audio, or text, and any modifications or derivatives of the foregoing.

2.7. “Contractors” refers to Users who offer and perform services to Clients as described in contracts and who receive payments from Clients through the Platform.

2.8. “Order Form” means any ordering document, checkout screen, or other record (digital or otherwise) specifying the Services to be provided by VoltPay and the associated commercial terms, including any applicable fees, Subscription Plans, or subscription terms.

2.9. “Payment Service Provider(s)” are third-party financial service providers with respect to payment of funds by Users hereunder, including but not limited to Bridge.xyz and Stripe.

2.10. “Users” refers to any person authorized to access an Account.

2.11. “User Content” means all Content made available by Users on the Platform or through Services.

2.12. “User Data” means data, records, documents, or other information, including but not limited to images, videos, audio, and text submitted to the Platform by or on behalf of a User in connection with the use of the Services.

3. Platform Use and Eligibility

3.1. Subject to these Terms and related documents between you and VoltPay, VoltPay grants you a non-exclusive right to access and use the Platform and/or Services solely for your or the Business’ internal business purposes.

3.2. Use of and access to the Platform and/or Services is void where prohibited by law. By using the Services, you (where relevant on behalf of the applicable Business) represent and warrant that: (a) any and all registration information you submit is truthful and accurate; (b) you will maintain the accuracy of such information; (c) your use of the Services does not violate any applicable law, regulation, or obligation you may have to a third party; and (d) you will comply with applicable laws, regulations, guidelines, and these Terms throughout your use of the Platform and/or Services.

3.3. We make the Platform and the Services available to Users who are 18 years of age or older. You must be a human to open an Account. Accounts registered by “bots” or other automated methods are not permitted. You may not maintain more than one Account at a time. By applying for an Account and using the Services, you represent and warrant that you are of legal age to form a binding contract and meet all eligibility requirements. VoltPay may refuse to open an Account for any individual or Business at its sole discretion.

3.4. If you are accessing or using the Services on behalf of a Business: (i) you represent that you are authorized to enter into and bind the Business to these Terms and register for the Services; and (ii) the Business is legally and financially responsible for your access to and use of the Services, as well as for the use of the Services by others affiliated with you, including any employees, agents, or contractors.

3.5. If we determine that any Content or the use of the Services violates these Terms, the Acceptable Use Policy, or any regulation, we may remove the Content or Services from your Account without prior notice. We may also suspend or close your Account. To the extent permitted by applicable law, we will provide you with prompt notice following any such action. Content or Services removed from your Account may not be edited or restored.

4. VoltPay Accounts

4.1. Applying for an Account. To access and use the Services, you will be required to create an Account. To apply for an Account, you must provide your full legal name, a valid email address, tax identification number, legal address, and any other required information to complete the sign-up process, as requested by VoltPay. If you are applying for an Account on behalf of a Business, you may also be required to provide a business address, business ownership details, the nature of the business, and additional business information. We will use this information to permit VoltPay and its financial partners, including our KYB/KYC provider Persona (via Bridge.xyz), to conduct due diligence on you prior to opening an Account and throughout the course of our business relationship. Our use of your information is subject to Section 14 of these Terms, Data Protection. If you are creating an Account on behalf of a Business, you must specify at least one Administrator. You are liable for any actions of your Administrator and for any other person with access to your credentials or your Account.

4.2. Account Security. You are fully and solely responsible and liable for maintaining the privacy and security of your computer system, mobile device, and all activity on your Account, even if such activities were not committed by you. You will promptly disable access to the Services if you believe your Account has been compromised or stolen, and you will immediately notify us at security@voltpay.ai. VoltPay will not be liable for any losses or damage arising from unauthorized use of your Account or password, and you agree to indemnify and hold VoltPay harmless for any unauthorized, improper, or illegal use of your Account and any charges and taxes incurred, unless you have notified us that your Account has been compromised and have requested that we block access to it. We may suspend access to your Account if we suspect your Account has been compromised.

5. Content

5.1. VoltPay has no obligation to accept, display, or maintain any User Content. VoltPay reserves the right to remove and permanently delete any User Content, without notice and for any reason. You are and shall remain at all times fully and solely responsible for any User Content that you upload. You represent and warrant that any User Content you upload: (i) complies with applicable law; (ii) does not infringe or violate any third-party intellectual property rights, privacy or publicity rights, or moral rights; and (iii) you have all necessary rights and authority to submit such User Content.

5.2. You agree that you will not transmit, submit, or upload any User Content to the Platform and/or Services or act in any way that: (i) restricts or inhibits use of the Services; (ii) imposes an unreasonably or disproportionately large load on our infrastructure; (iii) violates the legal rights of others, including defaming, slandering, abusing, stalking, or threatening Users; (iv) infringes the intellectual property rights, moral rights, publicity, privacy, or other rights of any third party; (v) is stolen, illegal, counterfeit, fraudulent, pirated, violent, or unauthorized; (vi) does not comply with all applicable laws, rules, and regulations; or (vii) posts, stores, transmits, offers, or solicits anything that contains or links to: (a) offensive material; (b) racially or ethnically insensitive, defamatory, harassing, or threatening material; (c) pornography or obscene material; (d) any virus, worm, trojan horse, or other harmful component; or (e) anything that encourages criminal conduct or gives rise to civil liability.

5.3. Use Restrictions. You may not use the Platform and/or Services for any illegal, fraudulent, or unauthorized purposes. You may not use the Platform and/or Services to violate intellectual property laws or rights of VoltPay or third parties. You may only use the Platform and/or Services for your bona fide internal business purposes. You may not access or authorize anyone to access the Platform and/or Services from any country or region subject to United States embargo or comprehensive sanctions (collectively, “Prohibited Regions”). You may not use the Platform and/or Services if you are, or to solicit, provide, or receive services or payments to/from or through any individual or organization that is subject to financial sanctions by the United States, including parties on the Specially Designated Nationals List administered by OFAC, or parties located in, organized under the laws of, or controlled by governments of Prohibited Regions (collectively, “Restricted Parties”).

6. AI Terms

6.1. All use of VoltPay’s AI systems, including products and services, is subject to our AI Terms and Conditions, which are incorporated by reference into these Terms.

7. Payment Methods

7.1. VoltPay does not provide banking, deposit-taking, stored value, escrow, insurance, or any other financial service, except for VoltPay’s role as a limited payment agent for Contractors as set out in Part II of these Terms. To facilitate payments under the Services, VoltPay partners with different payment service providers, including Bridge.xyz for cross-border payments, Stripe for subscription billing, and other payment gateways, money transmitters, wallet providers, and card processors (collectively, “Payment Service Provider”). All payment services, including withdrawal services, will be provided by VoltPay’s Payment Service Providers.

Depending on your location, some payment methods may not be available, and we do not guarantee that you will be able to use your preferred payment method. Depending on the desired payment method, Users may be required to enter into a separate agreement with the applicable Payment Service Provider (“Payment Service Provider Agreement”). Your use of any payment method is subject to the terms and conditions of the applicable Payment Service Provider. We will not be held liable for any losses or damages resulting from the actions or omissions of any Payment Service Provider. Any fees for use of a Payment Service Provider will be borne by you and are in addition to any fees payable to VoltPay.

7.2. VoltPay supports Client payments via wire transfer, ACH transfer, cryptocurrency offramps, Payoneer, PayPal, and other supported methods. Users are solely responsible for payment of insufficient funds fees, overdraft fees, wire transfer fees, or other bank fees. VoltPay is not responsible for any transaction fees, foreign exchange fees, or other fees imposed separately on a User by a Payment Service Provider or by the User’s own financial institution.

7.3. User Payment Information. To protect against money laundering, terrorist financing, fraud, unauthorized transactions, or as required by applicable laws, VoltPay and Payment Service Providers will collect, store, and analyze User payment information. For more information, see our Privacy Policy.

7.4. By using any payment method and providing payment information to VoltPay or to any Payment Service Provider, you represent and warrant that you are the owner or authorized representative of the owner of the bank account or payment method account you use to send or receive payments, and that you are legally authorized to send or receive payments using such accounts.

7.5. VoltPay may require you to keep additional payment methods as a backup for your Account. If any fees or amounts owed become overdue, VoltPay may automatically apply any available balance in your Account to those overdue amounts. If any overdue amount remains unpaid for over five (5) days, you authorize VoltPay to charge the backup payment methods until all outstanding fees have been paid in full.

8. Subscription Plans

8.1. If you are a Client, certain Services are subject to the payment of fees outlined on the Platform. You may access and use certain Services by selecting from one of our subscription plans (“Subscription Plan”) on our Pricing Page. You agree to pay VoltPay the fees outlined on the Platform in accordance with your applicable Subscription Plan. A separate invoice will be generated and uploaded to your Account. Subscription fees are managed through Stripe.

8.2. If you pay using a debit method, wire transfer, or credit card (collectively, “Card”), the following terms apply:

8.3. VoltPay may modify your Subscription Plan fees by notifying you at least 30 days before the end date of your next billing cycle. Changes will become effective at the end of the next billing cycle following your receipt of notice. If you do not agree to the changes, you must terminate your Subscription Plan at least 5 days before the end of your next billing cycle by sending a notice of termination to support@voltpay.ai. Continued use constitutes consent to the new terms.

8.4. Subscription Plan fees exclude any sales tax, value-added taxes, use or withholding tax, or other government assessments (collectively, “Taxes”). You are responsible for paying all Taxes associated with your Subscription Plan, except for taxes based on VoltPay’s net income.

8.5. VoltPay does not offer free trials. Your Subscription Plan fees begin upon signup and your per-contractor fees begin upon contractor onboarding to the platform.

8.6. AI Credits and Prepaid Billing. Each Subscription Plan includes a base allocation of AI credits per account and per authorized user. AI credits are consumed when you use VoltPay’s AI Products and Services, including AI agents, conversational workflows, and automated operations. All AI credits are purchased and paid for in advance of use. VoltPay does not extend credit, bill in arrears, or permit usage beyond your available credit balance.

8.7. All fees paid to VoltPay, including Subscription Plan fees, per-contractor fees, and prepaid AI credit purchases, are non-refundable. Client payment obligations under your Subscription Plan for each billing cycle cannot be canceled after a billing cycle has commenced, and you will not receive a partial refund if you stop using the Services before the end of a billing cycle. We may consider certain refund requests on a case-by-case basis at our sole discretion.

9. Integrations

9.1. The User acknowledges that the Services may integrate or interoperate with products and services of third parties (“Third-Party Product”), or import or export data to or from Third-Party Products (collectively, “Integrations”).

9.2. Any use of Third-Party Products is solely at your own decision and risk. VoltPay is not responsible for any Third-Party Products, and any data exchange between you and any Third-Party Product is solely between you and the applicable provider.

9.3. VoltPay makes no representation, warranty, or commitment regarding Third-Party Products, including their content, use, correspondence, transactions, or contracts. Any contract entered into with a Third-Party Product provider is between you and the relevant third party, not VoltPay. Use of Third-Party Products is subject to the applicable third party’s terms and conditions.

9.4. If you opt to use any Integrations, you agree to: (i) assume sole responsibility for and all risk arising from your use of Integrations, including waiving and releasing VoltPay from any claims related thereto; and (ii) defend, indemnify, and hold harmless VoltPay from any third-party claims arising from your use of Integrations.

9.5. VOLTPAY PROVIDES INTEGRATIONS “AS IS” WITHOUT WARRANTY OF ANY KIND AND ONLY AS A CONVENIENCE.

10. Communications from VoltPay

10.1. By creating an Account on our Platform, you agree that we may contact you in relation to the Services. You also agree to subscribe to newsletters and/or marketing materials we may send. You may opt out of receiving marketing communications by following the unsubscribe link in any email we send. We may still send you service-related messages after you have opted out of marketing communications.

11.1. You agree that any electronic signature or process attached to any document between you and VoltPay or you and another User with the intent to sign, authenticate, or accept terms will have the same legal validity and enforceability as a manually executed signature, to the fullest extent permitted by applicable law, including the Federal Electronic Signatures in Global and National Commerce Act, and you hereby waive any objection to the contrary.

11.2. You consent to receiving notices electronically and understand that this consent has the same legal effect as a physical signature.

11.3. We may provide notices through your Account, email, and via text or SMS. You agree that notices will be considered received 24 hours after they are sent. You may only withdraw consent to receive electronic notices by closing your Account.

11.4. You are responsible for receiving notices. Contact us immediately at support@voltpay.ai if you are having problems receiving notices.

12. Interruption of Service

12.1. From time to time, the Platform and/or Services may be unavailable for maintenance and/or modifications. We will endeavor to keep maintenance downtime as brief as possible. However, we cannot guarantee availability and will not be liable for any losses or damages resulting from interruption of your use of the Platform and/or Services.

13. Intellectual Property

13.1. The Platform, Services, any Content thereon (excluding User Content), and any APIs, interfaces, features, and functionalities are and will remain the exclusive property of VoltPay and its licensors. The Platform and Services are protected by copyright, trademark, and other laws. You may not use our trademarks, trade dress, service marks, logo, or trade name without our prior written consent. You may not remove, alter, or conceal any proprietary rights notices on the Platform and/or Services.

13.2. By submitting any User Content, you grant VoltPay and its successors a worldwide, non-exclusive, royalty-free, perpetual, sub-licensable, and transferable license to use, copy, distribute, transmit, modify, prepare derivative works of, publicly display, and publicly perform such User Content on, through, or in connection with the Platform and/or Services.

14. Data Protection

14.1. You acknowledge and agree that VoltPay may collect and process your personal data in connection with your use of our Platform. VoltPay ensures compliance with all applicable data protection laws, including the General Data Protection Regulation, the California Consumer Privacy Act, and any other relevant legislation. All rights and obligations with respect to personal data processing are governed by the Data Processing Addendum.

14.2. For information about how VoltPay handles your personal data, see our Privacy Policy.

15.1. Our Platform may contain links to third-party websites or services not owned or controlled by VoltPay.

15.2. VoltPay has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

15.3. You acknowledge and agree that VoltPay will not be responsible or liable for any damage or loss caused by or in connection with use of or reliance on any such third-party content, goods, or services.

15.4. We strongly advise you to read the terms of service and privacy policies of any third-party websites or services that you visit.

16. Termination; Survival

16.1. We may terminate or suspend your Account and bar access to the Platform and/or Services immediately, without prior notice or liability, in our sole discretion, for any reason, including: (i) extended periods of inactivity; (ii) breach of these Terms; (iii) fraudulent, harassing, or abusive behavior; (iv) behavior that is illegal or harmful to other Users, third parties, or VoltPay’s business interests; (v) termination, suspension, or expiration of any agreement; or (vi) failure to make payment. Upon termination, you shall not have access to any Content available through your Account.

16.2. We reserve the right to investigate suspected violations and to fully cooperate with law enforcement authorities.

16.3. You may request termination of your Account at any time by contacting us at support@voltpay.ai. Following such a request, VoltPay shall close your Account as soon as reasonably practicable.

16.4. Suspension, cancellation, or termination of your Account shall not affect obligations intended to survive, including Sections on Intellectual Property, Limitation of Liability, Arbitration, and Confidentiality.

17. Indemnification

17.1. VoltPay assumes no liability for any acts or omissions of any User.

17.2. You agree to defend, indemnify, and hold harmless VoltPay, its affiliates, and related third parties and each of their respective employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt and expenses (including attorney’s fees), resulting from or arising out of: (a) your use and access of the Platform and/or Services; (b) a breach of these Terms; (c) your breach of the terms of any contract or Payment Service Provider agreement; or (d) any contract, form, data, or Content posted by you to the Platform.

18. Force Majeure

18.1. You may not hold us liable for any interruption of the Platform and/or Services due to any act of God; blockage, disturbance, or encumbrance of telecommunications, transport, or procurement networks; poor quality or interruptions of electrical current; virus or cyberattacks; insurrections; state of war or embargo; strikes; lock-outs; sabotage or vandalism; severe weather; epidemics; pandemics; earthquakes; explosions; fires; storms; flooding or other natural disasters; water damage; incapacity to obtain raw materials or supplies; legal or regulatory modifications; and any other case beyond our voluntary control.

19. Disclaimer

19.1. THE PLATFORM AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. VOLTPAY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. VOLTPAY DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED.

20. Limitation of Liability

20.1. We assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, any Content or Services. We are not responsible for any problems or technical malfunction of any network, systems, equipment, servers, software, or traffic congestion.

20.2. IN NO EVENT WILL VOLTPAY, NOR ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM: (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (B) ANY CONDUCT OR CONTENT OF ANY USER OR THIRD PARTY ON THE SERVICES; (C) ANY CONTENT OBTAINED FROM THE SERVICES; AND (D) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

20.3. OUR MAXIMUM LIABILITY TO YOU UNDER THESE TERMS IS LIMITED TO THE GREATER OF THE TOTAL AMOUNT OF FEES ACTUALLY PAID BY YOU TO US IN THE THREE (3) MONTHS PRECEDING THE EVENT THAT IS THE BASIS OF YOUR CLAIM OR $500.00 USD. THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY ON WHICH YOUR CLAIM IS BASED.

21. Exclusions

21.1. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for consequential or incidental damages. In such jurisdictions, the limitations above may not apply to you to the extent prohibited by applicable law.

22. Governing Law

22.1. These Terms will be governed and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

23. Arbitration and Class Action Waiver

23.1. You agree to first attempt to resolve disputes with us in good faith and in a timely manner. Where no resolution can be found, you agree that any dispute, controversy, or claim (collectively, “Claim”) relating in any way to your use of the Services will be settled by final and binding arbitration in Wilmington, Delaware, using the English language, before a single arbitrator. Claims involving amounts greater than $250,000 will apply the JAMS Comprehensive Arbitration Rules and Procedures; Claims involving amounts less than or equal to $250,000 will apply the JAMS Streamlined Arbitration Rules then in effect.

Judgment on the arbitration award may be entered in any court that has jurisdiction. Any arbitration under these Terms will take place on an individual basis — class arbitrations and class actions are not permitted. You understand that by agreeing to these Terms, you and VoltPay are each waiving the right to trial by jury or to participate in a class action or class arbitration.

Notwithstanding the foregoing, you and VoltPay retain the right to bring an action in a court of proper jurisdiction for injunctive or other equitable or conservatory relief.

24. Confidentiality

24.1. “Confidential Information” means any business and technical information disclosed by one party (“Disclosing Party”) to the other party (“Receiving Party”) that is identified as confidential or proprietary, or which should reasonably be understood to be confidential or proprietary.

Confidential Information does not include information which the Receiving Party can show: (a) is or has become publicly available without breach of this agreement; (b) was in its possession prior to disclosure; (c) was provided by a third party with a lawful right to make the disclosure; or (d) is required to be disclosed by law or court order, provided the Receiving Party provides prompt written notice and cooperates to limit disclosure.

The Receiving Party will not use the Confidential Information of the Disclosing Party except for performance of its obligations under this agreement. The terms and conditions of this section, including pricing terms, shall be deemed VoltPay’s Confidential Information. All User Content shall be deemed Confidential Information of the User; however, VoltPay may use any data received from Users for its own internal purposes, such as general improvement of products and services.

25. Miscellaneous

25.1. We reserve the right to modify or replace these Terms at any time with notice to you. By continuing to access or use the Services after revisions become effective, you agree to be bound by the revised Terms.

25.2. If any provision is held unenforceable, such provision shall be replaced with an enforceable provision that most closely achieves the effect of the original, and the remaining provisions shall remain in full force and effect.

25.3. We may assign our rights and obligations hereunder to any third party without prior notice. You shall not assign your rights or obligations, and any assignment in violation shall be void.

25.4. Either party’s failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

26. Contact Us

26.1. Our Support team is available if you have questions regarding the Services, your Account, or these Terms. Contact us at support@voltpay.ai.

Part II: Contractor User Terms of Service

The following provisions apply to the Contractor Services.

This Contractor Terms of Service (“Contractor TOS”) sets out the terms and conditions under which VoltPay AI, Inc. (“VoltPay,” “we,” or “our”) shall provide certain contractor-related services (collectively, “Contractor Services”).

BY ACCEPTING THIS CONTRACTOR TOS OR USING THE CONTRACTOR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS.

1. Contractor Services

1.1. Users of the Platform may register an Account as a Contractor or Client. Different Contractor Services may be available depending on your Account type. Certain Contractor Services may only be available subject to payment of fees outlined on the Platform.

1.2. Clients may use the Platform to onboard Contractors to their accounts payable systems, conduct vendor due diligence, guide Contractors on compliance as applicable, execute contractor agreements and statements of work, and simplify the process of paying Contractors across borders.

1.3. Contractors may use the Platform to connect with their clients, execute contractor agreements and statements of work, store payment and bank account preferences, and unify payment flows through a single platform.

1.4. The general Contractor Services are as follows:

a. Clients and Contractors register an account on the Platform.

b. The Platform collects compliance information from Contractors on behalf of Clients, including KYC verification through our identity verification partner.

c. Clients and Contractors use the Platform’s contract generation tool to create a contractor agreement and statement of work (collectively, “Contract”) setting the terms of engagement, work timelines, deliverables, fees, and acceptance criteria.

d. Clients and Contractors agree once the acceptance criteria are met.

e. Clients pay Contractors through the Platform using supported payment methods, including bank wire instructions, cryptocurrency offramps, Payoneer, PayPal, and other supported methods.

f. VoltPay pays Contractors through the Platform.

g. Contractors receive fees through the Platform until the Contract is terminated by either Client or Contractor.

2. Client Subscription Plan

2.1. If you are a Client, certain Contractor Services are subject to the payment of fees. You may access Contractor Services by selecting a Subscription Plan on our Pricing Page. Subscription fees begin upon signup. Per-contractor fees begin upon contractor onboarding to the platform. VoltPay does not offer a pay-as-you-go pricing model.

2.2. If you pay using a Card, the following terms apply:

a. Foreign Transaction Fees. You will pay your Card’s issuing bank for any foreign transaction fees.

b. Declined Payment. If your payment is declined for any reason, you remain responsible for all amounts owed. VoltPay may terminate the Contractor Services for non-payment.

c. If you have auto-payments activated, we will automatically charge your Subscription Plan fees plus applicable per-contractor fees.

2.3. VoltPay may charge a platform fee for any active, non-terminated Contract on the Platform with no recorded payments for two (2) consecutive months.

2.4. VoltPay may modify your Subscription Plan fees by providing at least 30 days’ notice before the end of your next billing cycle. If you do not agree, you must terminate at least 5 days before the end of your next billing cycle by notifying support@voltpay.ai.

2.5. Subscription Plan fees exclude all Taxes. You are responsible for all Taxes associated with your Subscription Plan.

2.6. Your payment obligations for each billing cycle cannot be canceled after the billing cycle has commenced. All fees paid to VoltPay are non-refundable.

3. Payment Methods

3.1. To facilitate payments under the Contractor Services, VoltPay partners with Payment Service Providers, including Bridge.xyz for cross-border payments and Stripe for subscription billing. All payment services, including withdrawal services, are provided by VoltPay’s Payment Service Providers.

Depending on your location, some payment methods may not be available. Users may be required to enter into a separate agreement with the applicable Payment Service Provider. VoltPay is not a party to your Payment Service Provider Agreement and will not intervene in disputes related to payments.

3.2. VoltPay supports Client payments via wire transfer, ACH transfer, cryptocurrency, Payoneer, PayPal, and other supported methods. VoltPay does not charge Contractors any platform fees for payments processed through the Platform. However, VoltPay is not responsible for any transaction fees, foreign exchange fees, or other fees imposed by a Payment Service Provider or by the Contractor’s own financial institution.

3.3. User Payment Information. To protect against money laundering, terrorist financing, fraud, and unauthorized transactions, VoltPay and Payment Service Providers will collect, store, and analyze User payment information in accordance with our Privacy Policy.

3.4. By using any payment method, you represent and warrant that you are the owner or authorized representative of the payment account and are legally authorized to send or receive payments.

4. Reversals, Disputes, and Contract Cancellations

4.1. Reversals and Disputes. Clients should not initiate payments to Contractors until acceptance criteria are met. VoltPay cannot reverse payments or withhold funds from Contractors once funds have been received. If a Client is not satisfied with services or makes a payment in error, the Client must initiate a refund, reversal, or dispute process directly with the Contractor or Payment Service Provider. VoltPay will not intervene in payment or contract disputes between Users.

4.2. Contract Cancellation by User. Either Contractor or Client may initiate cancellation of a Contract through the Platform. Cancellation has no bearing on the merits of a dispute or the legality of a Contract. If you delete a Contract, it will become immediately inaccessible to other Users and will be permanently deleted.

4.3. Contract Cancellation by VoltPay. VoltPay may cancel a Contract in the event of: (a) suspicious account activity; (b) fraud, harassment, or threats; (c) unfair, deceptive, or abusive acts; (d) illegal acts; (e) regulatory direction; (f) violation of this Contractor TOS; or (g) if a User is no longer in good standing. Contact support@voltpay.ai to report violations.

5. Appointment of VoltPay as Payment Agent

5.1. Contractors (“Payee”) appoint VoltPay as their limited payment collection agent (“Payment Agent”) solely to facilitate payment receipt from Clients (via Payment Service Providers) for services provided under Contracts. Clients acknowledge this appointment.

5.2. Payee agrees that payments received from Clients through VoltPay are considered payments made directly to Payee, regardless of whether VoltPay remits payment. Payee authorizes VoltPay as Payment Agent to:

a. Hold, disburse, and retain payments on behalf of Payee;

b. Issue refunds to Clients at the request of Payee; and

c. Manage chargebacks on behalf of Payee.

5.3. In accepting appointment as Payment Agent, VoltPay assumes no liability for: (a) acts or omissions of Payees; (b) failure by Contractors to provide services; or (c) failure by Clients to make payments. Payee’s entitlement to payment from VoltPay is conditional upon VoltPay’s actual receipt of payment from Clients.

5.4. Clients’ payment obligations to Contractors are satisfied upon receipt of payment by VoltPay (or its Payment Service Provider). VoltPay is responsible for remitting funds to Contractors in accordance with this Contractor TOS. If VoltPay does not remit proper payment, Contractors will have recourse solely against VoltPay, not Clients.

5.5. Clients may pay Contractors in any of VoltPay’s supported currencies. The exchange rate will be calculated using forward foreign exchange rates available to VoltPay. The actual payment amount and currency will be disclosed to Client before completing the payment. Payment Service Provider fees and rates will be charged to Contractor.

6. Ownership of Deliverables

6.1. Except as set out in any Contract between Client and Contractor, Contractor agrees to grant to Client all copyrights and other intellectual property rights to the work and deliverables under the Contract (“Deliverables”), and Contractor waives all moral rights. Deliverables will be considered work-for-hire under applicable copyright law. If Deliverables do not qualify as work-for-hire, Contractor expressly assigns all intellectual property rights to Client. All transfer and assignment is subject to full payment under the Contract. Custom Deliverables shall be the exclusive property of Client. Contractor shall keep confidential any information received from Client that is not in the public domain.

7. Tax Forms and Invoices

7.1. Tax Forms. VoltPay uses User data to generate required tax documents. For United States-based Clients and Contractors, we generate forms W-9, W-8BEN, and W-8BEN-E (collectively, “Forms”). VoltPay does not guarantee the accuracy or completeness of information on Forms generated on the Platform. Users should verify accuracy before submitting to other Users or any tax authority.

7.2. Invoice Generation. The Platform generates and submits invoices to Clients on behalf of Contractors when payment is due. Contractors may also schedule invoice submissions for recurring services or project milestones.

8. Tax Compliance

8.1. For Clients. VoltPay does not provide tax, legal, or accounting advice. We provide information to help you make your own compliance decisions. Consult your own tax, legal, or accounting advisors regarding any questions about forms, withholding rates, or other tax information. VoltPay will not be liable for losses arising from inaccurate or incomplete information provided by you. You are solely responsible for any obligation to deduct or withhold taxes and for all other applicable tax requirements.

8.2. For Contractors. VoltPay does not provide tax, legal, or accounting advice. You are solely responsible for timely remitting amounts owed to tax authorities. You will update your Account settings within 30 days of any material change affecting tax withholding rates. You will inform VoltPay of any errors or omissions affecting tax calculations within 30 days of discovery.

9. Disclaimer

9.1. VoltPay is not a law firm and does not engage in the practice of law. Template contracts, forms, and sample documents are provided for informational purposes only and are not a substitute for professional legal advice. VoltPay will not review your contracts, forms, or documents for legal purposes.

9.2. Use of the Contractor Services does not create an attorney-client relationship. VoltPay is prohibited from providing any kind of legal advice, explanation, opinion, or recommendation regarding legal rights, remedies, defenses, options, or strategies.

10. Limitation of Liability and Indemnification

10.1. VoltPay is not an intermediary, advisor, agent, or party to any Contract and takes no responsibility for the quality or adequacy of any deliverables or services performed under any Contract, disputes between Users, or content posted by Users.

10.2. VoltPay shall not be liable for any acts or omissions of Contractors, Contractors’ failure to provide services, or Clients’ failure to pay amounts owed.

10.3. You agree to defend, indemnify, and hold harmless VoltPay, its affiliates, Payment Service Providers, and each of their respective directors, officers, employees, contractors, and agents from and against all claims, obligations, losses, liabilities, damages, costs, and expenses (including attorney’s fees) resulting from: (a) your use of the Contractor Services; (b) a breach of this Contractor TOS; (c) your breach of any Contract or Payment Service Provider Agreement; or (d) any Contract, form, data, or content posted by you.

11. Force Majeure

11.1. You shall not hold VoltPay liable for any interruption of the Contractor Services due to force majeure events, including acts of God, telecommunications disruptions, cyberattacks, insurrections, war, embargo, strikes, natural disasters, pandemics, legal or regulatory modifications, and any other circumstances beyond our voluntary control.

12. Governing Law

12.1. This Contractor TOS shall be governed by the laws of the State of Delaware, United States. The United Nations Convention on Contracts for the International Sale of Goods will not apply.

13. Dispute Resolution

13.1. You agree to first attempt to resolve any dispute in good faith. If a dispute cannot be resolved amicably, it shall be finally resolved by arbitration under the rules of the American Arbitration Association (“AAA”). The seat of arbitration shall be Wilmington, Delaware. The applicable AAA rules for expedited procedure shall apply unless the amount in dispute exceeds $1,000,000. Each party shall bear its own costs. The existence, content, and result of the arbitration shall be held in confidence.

13.2. Notwithstanding the foregoing, VoltPay reserves the right to submit disputes related to non-payment before the courts of the United States, the courts of the jurisdiction in which Client has a commercial or registered address, or in any jurisdiction in which Client operates. If VoltPay prevails, Client agrees to pay VoltPay’s reasonable attorney fees and costs.

14. Data Protection

You acknowledge and agree that VoltPay may collect and process your personal data in connection with the Contractor Services. VoltPay ensures compliance with all applicable data protection laws. All rights and obligations regarding personal data processing are governed by the Data Processing Addendum.

15. Electronic Signatures and Notices

15.1. You agree that electronic signatures will have the same legal validity and enforceability as manually executed signatures, to the fullest extent permitted by applicable law.

15.2. You consent to receiving notices electronically. We may provide notices through your Account, email, or text/SMS.

15.3. You are responsible for maintaining an updated web browser and operating system to receive notices properly.

15.4. Contact support@voltpay.ai if you are having problems receiving notices.

16. Feedback

16.1. We welcome feedback, comments, and suggestions for improvements (“Feedback”). You acknowledge that your Feedback will not give you any right, title, or interest in the Services. All Feedback becomes the sole and exclusive property of VoltPay, and VoltPay may use and disclose Feedback in any manner without further notice or compensation. You assign all intellectual property rights you may have in the Feedback to VoltPay.

17. Miscellaneous

17.1. This Contractor TOS constitutes the entire agreement between VoltPay and you with respect to the Contractor Services, and supersedes all prior agreements.

17.2. We reserve the right to modify this Contractor TOS at any time with notice. Continued use constitutes acceptance.

17.3. If any provision is held unenforceable, it shall be replaced with an enforceable provision that most closely achieves the original effect.

17.4. We may assign our rights and obligations without prior notice. You shall not assign yours, and any assignment shall be void.

18. Contact Us

18.1. Our Support team is available for questions regarding the Contractor Services, your Account, or this Contractor TOS. Contact us at support@voltpay.ai.