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Terms of Service

Last updated: July 2025

Vuzza Ltd. Effective date: 1 July 2025 Last updated: 1 July 2025

Hey, thanks for using Vuzza. Before you dive in, please read these Terms — they govern your use of the Vuzza platform, website at vuzza.eu, and any related services (together, the "Service"). They're written to be as clear as possible, but they are a real legal contract between you and us.

By accessing or using the Service, you agree to these Terms. If you don't agree, please don't use the Service.

1. Who We Are

Vuzza Ltd. ("Vuzza", "we", "our", or "us") is a company incorporated in Latvia. Our registered address is Dzirnavu iela 34a-6, Riga, LV-1010, Latvia. Questions? Reach us at legal@vuzza.eu.

2. Who Can Use Vuzza

You may use the Service if:

  • You represent a business (not a consumer acting in a personal capacity) and are authorised to bind that business to these Terms.
  • You are at least 18 years old.
  • Your use of the Service complies with all applicable laws and regulations in your jurisdiction.

If you're signing up on behalf of a company, "you" means both you and that company, and the company accepts these Terms.

3. What Vuzza Does (and Doesn't Do)

Vuzza is a non-custodial financial governance and payment orchestration platform. Practically, this means:

  • We help you capture, approve, and route B2B payments over SEPA, open banking, and stablecoin rails.
  • We provide governance tools including multi-tier approval workflows, pre-execution compliance screening, and cryptographic audit anchoring.
  • We do not hold your funds or private keys at any point. Fiat funds are held by our regulated settlement partners (currently Striga, a Lightspark company). Stablecoin transactions route through Striga's licensed infrastructure.
  • We are not a bank, payment institution, or e-money institution. Settlement services are provided by our licensed partners, not by Vuzza directly.

4. Accounts

Creating an account. You'll need to create an account to use the Service. Provide accurate information and keep it updated.

KYB onboarding. Before any live payment execution, your organisation must complete Know Your Business ("KYB") onboarding via our settlement partner Striga. This typically takes 2–4 weeks. You agree to cooperate fully and provide accurate information.

Account security. You're responsible for keeping your login credentials secure. Tell us immediately at security@vuzza.eu if you suspect unauthorised access.

One account per organisation. Don't create multiple accounts to game limits or circumvent restrictions.

5. Subscriptions and Fees

Subscription tiers. Vuzza offers Starter, Growth, and Enterprise tiers. Current pricing is published at vuzza.eu/pricing and may be updated from time to time.

Transaction fees. In addition to your subscription, transaction fees apply to payments processed through the Service. Rates depend on rail type (fiat or stablecoin) and payment volume. Current rates are in your Order Form or on our pricing page.

Billing. Subscriptions are billed monthly or annually as agreed. We use a third-party payment processor; their terms also apply to your payment transactions with us.

Late payments. Undisputed overdue amounts may incur interest at 1.5% per month or the maximum rate permitted by law, whichever is lower.

Taxes. All fees are exclusive of VAT and other applicable taxes, which are your responsibility.

No refunds. Fees paid are non-refundable except where required by law or as expressly stated in your Order Form.

6. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose, including money laundering, sanctions evasion, terrorist financing, or fraud.
  • Submit false, misleading, or fabricated payment or compliance information.
  • Attempt to circumvent our AML/KYC or sanctions screening processes.
  • Reverse-engineer, decompile, or attempt to extract source code from the Service.
  • Use the Service to process payments on behalf of third parties without our written consent.
  • Interfere with or disrupt the Service or our infrastructure.
  • Resell or sublicense access to the Service without our written consent.

We reserve the right to suspend or terminate accounts that violate this section, immediately and without notice where necessary.

7. Payment Execution and Settlement

Rail orchestration. Vuzza's orchestration engine routes approved, compliance-cleared payments to SEPA, open banking, or stablecoin rails based on cost, speed, and compliance requirements. You acknowledge that rail selection is automated and may change based on availability and regulatory conditions.

Settlement partners. Live payment execution is performed by our licensed settlement partners, not by Vuzza. Settlement is subject to the terms, availability, and regulatory status of those partners. We will notify you if we change primary settlement partners.

Finality. Once a payment is submitted for execution and confirmed by the settlement infrastructure, it cannot be reversed by Vuzza. You are responsible for the accuracy of all payment instructions.

Compliance screening. Every payment is screened for AML and sanctions compliance before execution. We reserve the right to delay, reject, or report any transaction that does not pass screening, without notice, as required by applicable law.

8. Proof-of-Compliance and Audit Records

Vuzza cryptographically anchors a hash of your transaction metadata (intent, approval record, compliance verdict) to the Polygon blockchain. This creates an immutable timestamp and audit record.

  • No personally identifiable information ("PII") or financial data is stored on-chain. Only cryptographic hashes are anchored.
  • The on-chain record is a compliance tool; it is not a substitute for your own record-keeping obligations.
  • Deleting your off-chain data and its associated decryption keys renders the on-chain hash non-recoverable, satisfying GDPR's right to erasure without requiring on-chain deletion.

9. Your Data and Our Data

Your data. You retain ownership of all payment data, documents, and records you upload or generate through the Service ("Customer Data"). You grant Vuzza a limited licence to process Customer Data solely to provide the Service.

Aggregated data. We may use anonymised, aggregated data derived from your use of the Service for product improvement, benchmarking, and analytics. This data will never identify you or your organisation.

Data processing. Our Privacy Policy explains in full how we collect and handle personal data. By using the Service, you also agree to the Privacy Policy.

10. Intellectual Property

The Service, including all software, designs, algorithms, and documentation, belongs to Vuzza or our licensors. These Terms don't transfer any ownership to you. You get a limited, non-exclusive, non-transferable licence to use the Service for your internal business purposes during your subscription term.

If you provide us with feedback or suggestions, we may use them without restriction or obligation to you. Thank you in advance.

11. Confidentiality

Both parties may share confidential information in the course of using and providing the Service. Each party agrees to:

  • Keep the other's confidential information strictly confidential.
  • Use it only for the purpose of this relationship.
  • Not disclose it to third parties without the other party's consent, except as required by law or to employees and advisors who need to know.

Your obligation covers Vuzza's platform architecture, pricing, and roadmap. Our obligation covers your payment data and business information.

12. Warranties and Disclaimers

We work hard to make Vuzza reliable and accurate, but we can't make everything perfect.

We warrant that:

  • We will provide the Service with reasonable care and skill.
  • We hold the necessary authorisations to provide the Service as a non-custodial technical service provider.

We do not warrant that:

  • The Service will be uninterrupted, error-free, or meet all your requirements.
  • Any savings projections generated by Rail Intelligence Mode will be exactly realised (they are estimates based on historical data).
  • Our settlement partners will always be available (we manage this risk through partner redundancy).

THE SERVICE IS PROVIDED "AS IS" TO THE MAXIMUM EXTENT PERMITTED BY LAW. WE DISCLAIM ALL OTHER WARRANTIES, EXPRESS OR IMPLIED.

13. Limitation of Liability

To the fullest extent permitted by applicable law:

  • Neither party will be liable for indirect, incidental, consequential, special, or punitive damages (including lost profits or lost data), even if advised of the possibility.
  • Vuzza's total cumulative liability to you arising out of or related to these Terms will not exceed the greater of (a) the fees you paid to Vuzza in the 12 months preceding the claim or (b) €10,000.

Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

14. Indemnification

You agree to indemnify and hold Vuzza harmless from any claims, losses, damages, and costs (including reasonable legal fees) arising from: (a) your violation of these Terms; (b) your violation of any applicable law or regulation; (c) inaccurate or incomplete payment instructions you submit; or (d) any dispute between you and a third-party payee.

15. Term and Termination

Term. These Terms apply from the moment you create an account or use the Service, and continue until terminated.

Termination by you. You may cancel your subscription at any time through your account settings or by contacting support@vuzza.eu. Cancellation takes effect at the end of your current billing period.

Termination by us. We may suspend or terminate your access immediately if: you breach these Terms and fail to cure within 14 days of notice; you become insolvent or enter insolvency proceedings; we are required to do so by law or a regulator; or continued operation creates a material legal or compliance risk.

Effect of termination. On termination, your access to the Service ends. We will make your Customer Data available for export for 30 days, after which it may be deleted. Proof-of-Compliance anchors on the blockchain remain permanently (they are cryptographic hashes, not your data).

Sections 8, 9, 10, 11, 12, 13, 14, and 18 survive termination.

16. Changes to These Terms

We may update these Terms from time to time. If a change is material, we'll give you at least 30 days' notice by email or in-product notification before it takes effect. Your continued use of the Service after the effective date means you accept the updated Terms. If you don't agree, you may cancel before the change takes effect.

17. General

Entire agreement. These Terms, together with your Order Form (if applicable) and our Privacy Policy and Cookie Policy, form the entire agreement between us regarding the Service.

Severability. If any provision of these Terms is found unenforceable, it will be modified to the minimum extent necessary, and the rest of the Terms remain in effect.

No waiver. Failing to enforce any provision of these Terms isn't a waiver of our right to do so later.

Assignment. You may not assign your rights under these Terms without our written consent. We may assign ours in connection with a merger, acquisition, or sale of assets.

Force majeure. Neither party is liable for delays or failures caused by circumstances beyond their reasonable control (including regulatory action, infrastructure outages, or acts of God).

18. Governing Law and Disputes

These Terms are governed by the laws of the Republic of Latvia, without regard to conflict-of-law principles. Any dispute that can't be resolved informally will be submitted to the exclusive jurisdiction of the courts of Riga, Latvia.

If you're an EU consumer, you may also have rights under the laws of your country of residence that cannot be waived.

19. Contact Us

Questions about these Terms? We're happy to talk.

Vuzza Ltd. Dzirnavu iela 34a-6, Riga, LV-1010, Latvia Email: legal@vuzza.eu Website: vuzza.eu