Last updated: February 25, 2026
These Terms of Use govern access to and use of the Koopfy Payments LLC (“Koopfy”) digital platform, available through www.koopfy.com and related interfaces. By accessing or using the Platform, the User acknowledges having read, understood, and agreed to these Terms and incorporated policies.
1. Acceptance and Capacity
Use of the Platform constitutes full acceptance of these Terms. The User represents that they have legal capacity to enter into this agreement.
2. Merchant of Record (MoR) Model
Koopfy operates as the Merchant of Record for transactions processed through the Platform. Koopfy manages transaction billing, financial partner relationships, and dispute handling in accordance with applicable regulations.
3. Registration and Verification (KYC/KYB)
Users must provide accurate and up-to-date information. Koopfy may request additional documentation for compliance and audit purposes. Failure to comply may result in suspension or termination.
4. Permitted Use
Users may not engage in unlawful, fraudulent, misleading, or infringing activities. All product categories must comply with platform policies.
5. Payments, Settlement and Reserves
Settlement timeframes may vary based on risk profile. Koopfy may apply rolling reserves, fund holds, and payout limits. Fees may be updated with notice.
6. Disputes and Chargebacks
Koopfy may hold funds to cover disputes and chargebacks. Chargeback-related costs may be debited from the Seller’s balance.
7. Intellectual Property
The Platform and its content are the property of Koopfy. Users warrant they hold rights to all materials used.
8. Suspension and Termination
Koopfy may suspend or terminate accounts due to violations or regulatory risk. Funds may be held for up to 210 days or longer if required.
9. Limitation of Liability
Koopfy is not liable for indirect damages, third-party failures, or temporary unavailability.
10. Indemnification
Users agree to indemnify Koopfy against losses arising from fraud, violations, fines, or disputes.
11. Compliance and AML
Users must comply with anti-corruption and anti-money laundering laws. Suspicious activity may result in immediate restriction and reporting.
12. Amendments
Koopfy may update these Terms at any time. Continued use constitutes acceptance.
13. Governing Law
These Terms shall be governed by the laws applicable to Koopfy’s contracting entity.
These documents apply to merchants using the platform and, where relevant, to customers buying through checkouts powered by Koopfy.
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