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Terms of Service

Last updated: [Effective date to be set]

1. Agreement to terms​

By accessing or using the OrcaRail API, dashboard, hosted pay, webhooks, and related services (the “Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, do not use the Service.

2. Eligibility​

You may use the Service only if you can form a binding contract with us and are not barred by applicable law. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

3. Description of the Service​

OrcaRail provides developer tools for accepting crypto payments, including:

  • API and SDKs for creating and managing payment intents, pricing, and payouts.
  • Dashboard for account and API key management, transaction views, webhooks, and logs.
  • Hosted pay (checkout/pay flows) and webhooks for payment events.
  • Hosted pricing for the cloud Service (per completed transaction, with a free transaction tier as published on our website); self-hosted Open source soon open-source deployment is available without a software fee from us.
  • Optional support fee (percentage) that may appear in individual payment quotes when configured, in addition to other quote line items described in our documentation.
  • Non-custodial options where you control where funds are sent; we do not custody customer funds unless otherwise agreed.

We may change, suspend, or discontinue features with reasonable notice where practicable.

4. Account and API keys​

You are responsible for maintaining the security of your account credentials and API keys. Do not share API keys or expose them in client-side or public code. You are responsible for all activity under your account. Notify us promptly at [email protected] if you suspect unauthorized access.

5. Acceptable use​

You agree not to:

  • Use the Service for any illegal purpose or in violation of any applicable law.
  • Use the Service to facilitate fraud, money laundering, or other financial crime.
  • Circumvent or attempt to circumvent security, rate limits, or access controls.
  • Resell or sublicense the Service in a manner that competes with us or misrepresents the source of the Service.
  • Use the Service in a way that harms us, other users, or third parties.

We may suspend or terminate access if we reasonably believe you have violated these Terms or applicable law.

6. Fees​

Hosted Service: use of the hosted API, dashboard, and related cloud features is subject to the per-transaction fees and free-tier terms we publish (currently $0.10 per completed transaction after 1,000 free transactions, subject to change with notice). Self-hosted Open source soon use of our open-source software is not licensed on a per-transaction basis by us; you remain responsible for your own infrastructure and third-party costs.

Payment flows may include optional or configurable line items in quotes (e.g. support fee, commission, bridge fees) as described in our documentation. You are responsible for any third-party costs (e.g. network gas, RPC providers) that you or your customers incur. We will communicate material changes to published platform pricing clearly before they apply where required.

7. Intellectual property and license​

We grant you a limited, non-exclusive, non-transferable license to access and use the Service in accordance with these Terms. We retain all rights in the Service, our name, logos, and materials. You retain ownership of your content and data; you grant us the rights necessary to operate the Service (e.g. to process transactions and send webhooks).

8. Disclaimers​

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE UPTIME, ACCURACY, OR UNINTERRUPTED ACCESS. BLOCKCHAIN AND THIRD-PARTY SERVICES ARE OUTSIDE OUR CONTROL.

9. Limitation of liability​

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE (AND OUR AFFILIATES, OFFICERS, AND EMPLOYEES) SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO THE SERVICE OR THESE TERMS. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM (OR ONE HUNDRED US DOLLARS IF GREATER).

10. Indemnity​

You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights or law.

11. Termination​

We may suspend or terminate your access to the Service at any time for cause (e.g. breach of these Terms or applicable law) or for operational reasons with reasonable notice where practicable. You may stop using the Service at any time. Upon termination, your right to use the Service ceases. Provisions that by their nature should survive (e.g. disclaimers, limitation of liability, indemnity, governing law) will survive.

12. Governing law and disputes​

These Terms are governed by the laws of Estonia (once our entity is registered there), without regard to conflict of law principles. Any dispute arising out of or relating to these Terms or the Service shall be resolved in the courts of Estonia, unless otherwise required by mandatory law.

Update jurisdiction wording after registration.

13. Changes​

We may modify these Terms from time to time. We will post the revised Terms on this page and update the “Last updated” date. Continued use of the Service after changes constitutes acceptance. For material changes, we may provide additional notice (e.g. by email or in the dashboard). If you do not agree, you must stop using the Service.

14. Contact​

For questions about these Terms, contact us at [email protected].