Terms of Use

1. About jStack

jStack develops technology infrastructure for financial products and services, including infrastructure relating to payments, wallets, accounts, cards, mobile money, digital services, stablecoins, and other financial technology capabilities.

Descriptions of products and solutions on this website are provided for informational and business-evaluation purposes.

Availability, functionality, deployment models, integrations, and supported markets may vary depending on customer requirements, partners, jurisdiction, technical configuration, and contractual arrangements.

2. Technology Provider

Unless expressly stated otherwise for a specific service or jurisdiction, jStack provides technology infrastructure and software.

Information on this website should not be interpreted as representing that jStack itself is a bank, electronic money institution, payment institution, card network, financial adviser, stablecoin issuer, telecommunications operator, or other regulated financial institution.

Certain solutions may require customers or their partners to hold appropriate licenses, registrations, approvals, banking relationships, safeguarding arrangements, or other regulatory permissions.

Customers are responsible for determining the legal and regulatory requirements applicable to their business and intended deployment.

3. Website Use

You may use the jStack website for lawful business and informational purposes.

You must not:

• Use the website for unlawful or fraudulent activities
• Attempt to gain unauthorized access to systems or accounts
• Interfere with the security or operation of the website
• Introduce malware, malicious code, or harmful technology
• Conduct unauthorized vulnerability scanning or penetration testing
• Scrape or systematically extract content in violation of applicable law or these Terms
• Circumvent access controls
• Impersonate another person or organization
• Use the website in a manner that may damage jStack, its customers, infrastructure, or reputation

We may restrict access where we reasonably believe these Terms have been violated or security is at risk.

4. Product Information

We work to keep information on our website accurate and useful.

However, product descriptions, diagrams, screenshots, workflows, integrations, specifications, and other materials may be illustrative and may change as our products evolve.

Nothing on this website constitutes a guarantee that a particular feature, integration, payment rail, currency, country, blockchain network, telecom operator, deployment model, or regulatory capability is available.

Specific capabilities will be defined in the applicable customer agreement, order form, statement of work, or other contractual documentation.

5. Accounts and Credentials

Certain jStack services may require authorized accounts or credentials.

Where access is provided, you are responsible for:

• Protecting account credentials
• Maintaining appropriate access controls
• Preventing unauthorized access
• Providing accurate account information
• Promptly reporting suspected compromise

You must not share credentials except as expressly permitted by the applicable service or agreement.

Additional contractual terms may govern access to jStack platforms, APIs, sandboxes, developer environments, or production infrastructure.

6. APIs and Developer Resources

jStack may provide API documentation, software development kits, code examples, sandbox environments, technical documentation, and other developer resources. Use of these resources may be subject to additional API, developer, commercial, security, or licensing terms. Code examples and API requests shown on the public website may be illustrative and should not be interpreted as guaranteed production specifications.

7. Intellectual Property

The website and its content, including text, designs, graphics, interfaces, software, diagrams, trademarks, logos, documentation, and other materials, are owned by or licensed to jStack and are protected by applicable intellectual property laws. Except where expressly permitted, you may not reproduce, modify, distribute, sell, license, reverse engineer, republish, or commercially exploit jStack content without authorization. Nothing in these Terms grants ownership of jStack intellectual property to users of the website.

8. Third-Party Services and Integrations

jStack solutions may integrate or interoperate with third-party services such as:

• Banks
• Payment providers
• Card networks
• Telecom operators
• Identity providers
• Compliance providers
• Cloud infrastructure
• Blockchain networks
• Financial institutions
• Other technology providers

Third-party services are governed by their respective terms, availability, policies, and technical requirements. jStack is not responsible for the independent operation of third-party services unless expressly agreed otherwise in a customer contract.

9. Financial and Regulatory Information

Content on this website does not constitute:

• Legal advice
• Financial advice
• Investment advice
• Tax advice
• Regulatory advice

Customers should obtain appropriate professional advice regarding their business model, jurisdiction, licensing requirements, financial products, and regulatory obligations.

10. Security

You must not attempt to compromise, test, bypass, or interfere with jStack systems without prior written authorization.

If you believe you have identified a security vulnerability, please report it responsibly using the contact details on our contact page.

Do not publicly disclose a suspected vulnerability before jStack has had a reasonable opportunity to investigate and address it.

11. Privacy

Your use of the website is also subject to our Privacy Policy, which explains how we collect, use, share, and protect personal information.

12. Availability

We aim to provide reliable access to our website and services, but we do not guarantee uninterrupted availability of the public website.

The website may occasionally be unavailable because of maintenance, upgrades, technical issues, security events, third-party dependencies, or circumstances outside our reasonable control.

Service-specific availability commitments, where applicable, are governed by the relevant customer agreement or service-level agreement.

13. Disclaimer of Warranties

To the extent permitted by applicable law, the public website and its content are provided on an “as available” and “as is” basis.

We do not make warranties regarding the completeness, accuracy, uninterrupted availability, or suitability of website content for a particular purpose, except where expressly provided under an applicable written agreement.

14. Limitation of Liability

To the maximum extent permitted by applicable law, jStack and its affiliates, officers, employees, and representatives will not be liable for indirect, incidental, special, consequential, or similar damages arising solely from use of or inability to use this public website.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

Liability relating to contracted jStack products or services will be governed by the applicable customer agreement.

15. Indemnification

To the extent permitted by applicable law, you agree to be responsible for losses, liabilities, or claims arising from your unlawful use of the website or material violation of these Terms.

16. Changes to These Terms

We may update these Terms periodically.

The latest version will be published on this page with the revised “Last Updated” date.

Continued use of the website following an update constitutes acceptance of the revised Terms to the extent permitted by applicable law.

17. Governing Law

These Terms will be governed by the laws of the applicable jStack entity's jurisdiction, without regard to conflict-of-law principles.

Any disputes will be subject to the jurisdiction of the courts of that jurisdiction, unless otherwise required by applicable law.

18. Contact

For questions regarding these Terms, contact jStack Legal Enquiries at legal@jstack.co.