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Terms and Conditions

Effective Date: December 15, 2025

1. Acceptance of Terms

These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“you,” “User,” or “Merchant”) and Rapid Tap, Inc. (“Rapid Tap,” “we,” “us,” or “our”) governing your access to and use of Rapid Tap’s websites, applications, APIs, software, hardware integrations, and related services (collectively, the “Services”).

By accessing or using the Services, you represent that you have read, understand, and agree to be bound by these Terms. If you do not agree, you must not use the Services.

If you are using the Services on behalf of an entity, you represent that you have the authority to bind that entity to these Terms.

2. Description of Services

Rapid Tap provides a blockchain-based payment facilitation platform designed to enable merchants—particularly those operating in regulated or high-risk industries—to accept digital currency and stablecoin payments and receive settlement in digital assets or fiat currency, subject to compliance requirements.

Services may include, without limitation:

  • Stablecoin and digital asset payment acceptance
  • QR-based and POS-integrated payment workflows
  • Settlement, treasury, and payout services
  • Merchant dashboards and reporting tools
  • APIs, SDKs, and third-party integrations
  • Messaging and notification services, including SMS
  • Compliance, identity verification, and risk controls

Rapid Tap may modify, suspend, or discontinue any part of the Services at any time.

3. Eligibility and Merchant Requirements

You may use the Services only if:

  • You are at least 18 years old
  • You are legally permitted to operate your business
  • Your business activity is lawful in all applicable jurisdictions
  • You pass Rapid Tap’s onboarding, KYC/KYB, and compliance reviews

Rapid Tap reserves the right to reject, suspend, or terminate any Merchant at its sole discretion, including for compliance, risk, or regulatory reasons.

4. Prohibited Activities

You may not use the Services to:

  • Engage in illegal, deceptive, or fraudulent activity
  • Violate sanctions, export controls, or AML laws
  • Process payments for prohibited goods or services
  • Circumvent network, transaction, or compliance controls
  • Misrepresent transaction data or payment purpose
  • Attempt to reverse, manipulate, or double-spend transactions
  • Interfere with the integrity or security of the platform

Rapid Tap may immediately suspend or terminate Services for violations.

5. Digital Assets and Transaction Finality

You acknowledge and agree that:

  • Blockchain transactions are irreversible once confirmed
  • Rapid Tap does not control blockchain networks
  • Network delays, forks, or outages may occur
  • Digital asset values may fluctuate (even for stablecoins)

Rapid Tap is not responsible for losses due to blockchain mechanics, network failures, wallet errors, or incorrect addresses provided by you or your customers.

6. Settlement, Payouts, and Fees

6.1 Fees

Rapid Tap charges transaction and/or service fees as disclosed during onboarding or in applicable fee schedules. Fees may include minimums, surcharges, or volume-based pricing.

6.2 Settlement Options

Merchants may elect settlement in:

  • Supported digital assets, or
  • Fiat currency via approved banking rails

Settlement timing is not guaranteed and may be delayed due to compliance reviews, banking cutoffs, holidays, or technical issues.

6.3 Holds and Reserves

Rapid Tap may place holds, reserves, or delays on funds to mitigate risk, comply with law, or investigate suspicious activity.

7. Compliance, KYC, and Monitoring

You consent to:

  • Identity verification (KYC/KYB)
  • Ongoing transaction monitoring
  • Sanctions screening and AML reviews
  • Information sharing with regulators, banks, and partners as required

Failure to provide requested information may result in suspension or termination.

8. SMS and Messaging Communications

By providing a phone number or enabling messaging features, you consent to receive transactional and service-related messages, including via SMS, from Rapid Tap.

8.1 Message Types

Messages may include:

  • Transaction confirmations
  • Security alerts
  • Account notifications
  • Compliance requests
  • Service updates

8.2 Consent and Opt-Out

You may opt out of non-essential messages by replying STOP or through account settings. Message and data rates may apply. Opting out may limit functionality.

8.3 No Marketing Without Consent

Rapid Tap does not send marketing SMS without appropriate consent.

9. Third-Party Services and Integrations

The Services may integrate with third parties (e.g., POS systems, wallets, blockchains, banks). Rapid Tap is not responsible for third-party services, outages, or acts or omissions.

Your use of third-party services is governed by their respective terms.

10. Intellectual Property

All rights, title, and interest in the Services, including software, trademarks, logos, and content, are owned by Rapid Tap or its licensors.

You are granted a limited, non-exclusive, non-transferable, revocable license to use the Services solely as permitted under these Terms.

11. Confidentiality and Data Use

You agree to keep confidential any non-public information obtained through the Services. Rapid Tap’s use of personal data is governed by its Privacy Policy, which is incorporated by reference.

12. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”
TO THE MAXIMUM EXTENT PERMITTED BY LAW, RAPID TAP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Rapid Tap does not guarantee uninterrupted, error-free, or secure operation.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RAPID TAP SHALL NOT BE LIABLE FOR:

  • INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
  • LOSS OF PROFITS, DATA, OR BUSINESS
  • BLOCKCHAIN OR NETWORK FAILURES
  • THIRD-PARTY ACTS OR OMISSIONS

RAPID TAP’S TOTAL LIABILITY SHALL NOT EXCEED THE FEES PAID BY YOU TO RAPID TAP IN THE SIX (6) MONTHS PRECEDING THE CLAIM.

14. Indemnification

You agree to indemnify and hold harmless Rapid Tap from any claims, damages, losses, liabilities, and expenses arising from:

  • Your use of the Services
  • Your business operations
  • Violations of law or these Terms
  • Disputes with customers or third parties

15. Suspension and Termination

Rapid Tap may suspend or terminate Services immediately for:

  • Compliance or regulatory concerns
  • Risk management reasons
  • Breach of these Terms

You may terminate your account at any time, subject to outstanding obligations.

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Washington, without regard to conflict-of-law principles.

Any disputes shall be resolved through binding arbitration, unless prohibited by law. You waive any right to participate in class actions.

17. Modifications

Rapid Tap may modify these Terms at any time. Continued use of the Services after changes constitutes acceptance of the revised Terms.

18. Contact Information

Rapid Tap, Inc.
Email: support@rapidtap.com
Website: https://www.rapidtap.com