1. Eligibility

You must be at least 18 years old, a U.S. resident (or in a supported jurisdiction), and provide accurate identification under federal KYC rules.

2. Account use

You agree to use RovinPay only for lawful purposes, and to keep credentials, OTP codes and biometric devices secure. You are responsible for activity on your account.

3. Fees

Standard fees are disclosed in your Fee Schedule. Premier and Private tiers carry monthly membership fees as published on the Pricing page.

4. Transfers & limits

Domestic ACH, wires and international FX are subject to daily and per-transaction limits, regulatory holds and beneficiary verification.

5. Suspension

We may freeze or close any account that violates these Terms, applicable law or our acceptable-use policy.

6. Liability

RovinPay's liability for any claim is limited to direct damages and never exceeds the fees paid in the 12 months preceding the claim.

7. Governing law

These Terms are governed by the laws of the State of Delaware. Disputes are resolved by binding arbitration in Wilmington, DE.