Geographic Policy

1. Purpose

This Geographic Access and Transaction Restrictions Policy sets out the rules governing jurisdiction-based access to certain payment methods and crypto-asset transaction services made available through the PayAiro Inc platform. This Policy is intended to ensure compliance with applicable United States federal and state laws, the regulatory and contractual requirements imposed by PayAiro Inc's licensed third-party service providers, as well as fraud prevention and security standards.

2. Scope and Applicability

This Policy applies to all users accessing the PayAiro Inc platform, website, mobile applications, or related services.

3. No Custody or Control of Funds

PayAiro Inc is a non-custodial fintech platform. PayAiro Inc does not hold, store, or transmit customer funds or digital assets. All fiat payment processing is performed by licensed third-party payment processors and sponsor partners. All crypto-asset custody services are provided by licensed third-party custodians. At no time does PayAiro Inc take possession of, or exercise custody or control over, customer funds or crypto-assets.

4. Geographic Eligibility Requirement

USA-Only Availability

Certain payment methods and transaction functionalities, including Google Pay, debit cards, Apple Pay, and similar US-issued payment instruments, are available only to users who are physically located within the United States at the time of the transaction. Users located outside the United States are not eligible to access or use such payment methods on the PayAiro Inc platform.

5. Location Verification

To enforce geographic eligibility, PayAiro Inc and its third-party service providers use verification mechanisms including:

IP address analysis

Device-level location signals

Payment instrument issuer location

Device sensors and beacons

User-provided information

Transaction location data from payment processors

Risk-based compliance and fraud detection tools

If a user's physical location cannot be reliably verified as being within the United States, PayAiro Inc may deny access to applicable payment methods or transaction features.

6. Prohibition on Circumvention

Users shall not attempt to circumvent geographic restrictions by any means, including:

Use of VPNs, proxies, or anonymization services

Location spoofing or falsification

Misrepresentation of residence or physical location

Any attempt to circumvent geographic controls constitutes a material violation of this Policy and the Terms of Service.

7. Regulatory and Partner Compliance

Geographic access restrictions under this Policy are imposed to comply with applicable US federal and state financial, payments, and digital asset laws; AML and sanctions compliance requirements; contractual obligations imposed by PayAiro Inc's licensed payment processors and partner institutions; and fraud prevention and security measures.

8. Right to Restrict, Suspend, or Terminate Access

PayAiro Inc reserves the right, at its sole discretion, to restrict or suspend access to payment methods or transaction services; block or reverse attempted transactions where permitted by law; and terminate user access for violations of this Policy. Users may reach us at grievance@payairo.com to resolve any issue under this clause.

Policy Updates

This Policy may be amended from time to time. Updated versions will be published on our website. Your continued use of PayAiro services after such updates constitutes your acceptance of the revised policy.