HammerPay (USA) Ltd Terms of Service

Effective Date: March 2025

General Terms

Welcome to HammerPay (USA) Ltd (“HammerPay,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your use of our prepaid merchant card platform, digital purchasing tools, and associated services (collectively, the “Services”).

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy.

1.1 Description of Services

HammerPay provides digital, prepaid merchant-specific cards that enable users to purchase value for use at participating merchants. These cards are restricted-use instruments and may only be redeemed with merchants approved by HammerPay. They are not redeemable for cash, cannot be transferred for unrestricted use, and may only be used to acquire goods and services from authorized retail and service providers.

1.2 Third Parties

We work with third-party service providers, including payment platforms and financial technology partners, to facilitate the processing, delivery, and security of our prepaid digital cards.

1.3 Governing Law

These Terms are governed by applicable international commercial law. Disputes arising from or related to these Terms shall be resolved through neutral arbitration, as detailed in our dispute resolution policy.

Privacy Policy Summary

We value your privacy. Please review our complete Privacy Policy for full details. The following is a summary of key practices:

2.1 Data Collection and Storage

We collect user information as required to meet compliance obligations under Know Your Customer (KYC) and Anti-Money Laundering (AML) guidelines. This may include your name, date of birth, residential address, government-issued identification, and transaction records. We do not store any PCI-sensitive payment data (e.g., full card numbers).

2.2 Data Use and Sharing

Your information may be shared with trusted third parties—including payment processors, compliance firms, and financial institutions—solely for the purpose of delivering our services and fulfilling regulatory requirements. We do not sell or rent personal data to third parties under any circumstances.

2.3 Cookies

Our website uses cookies to optimize performance, personalize your experience, and collect analytics data. By continuing to use the website, you consent to our use of cookies.

Digital Delivery Policy

3.1 Issuance Timelines

Prepaid digital merchant cards are issued electronically within 24 to 48 hours of successful payment confirmation.

3.2 Usage Restrictions

Our digital cards may only be used at participating merchants expressly authorized by HammerPay. Physical cards are not shipped or delivered. All redemptions occur through the HammerPay digital platform.

Refund & Cancellation Policy

4.1 Refunds

All purchases of prepaid digital cards are final and non-refundable, except in cases of demonstrable system error or billing issue attributable to HammerPay.

4.2 Request Process

Refund requests must be submitted in writing to [email protected] within 7 calendar days of purchase. Requests will be reviewed on a case-by-case basis, and outcomes are determined at HammerPay’s sole discretion.

5. Contact Information

Business Name: HammerPay (USA) Ltd
DBA: HammerPay Global Payments
Email: [email protected]
Phone: +1 (941) 306 3019

For inquiries about these Terms or the Services, please contact us at the information above.

Acknowledgement

By using the HammerPay platform, you confirm that you have read, understood, and agreed to these Terms of Service. If you do not accept these terms, you must discontinue use of the Services immediately.