Terms of Service

Petl Pay – Terms Of Service: Updated 26 January 2026 

Company Information

Petl Pay is the trading name of Rafiki Works LTD ("Petl Pay", "we", "us", or "our"). Rafiki Works LTD is the data controller for the purposes of applicable data protection laws.

Registered Address: 86–90 Paul Street, London, United Kingdom, EC2A 4NE
Company Number: Rafiki Works LTD (UK private limited company)

These Terms of Service ("Terms") govern your access to and use of the Petl Pay platform, including any websites, applications, APIs, dashboards, and related software and services (collectively, the "Platform").

By creating an account, accessing, or using any part of the Platform, you agree to be legally bound by these Terms. If you do not agree, you must not use the Platform.

1. Overview of the Petl Pay Platform

1.1 Petl Pay is a technology platform that provides workflow, invoicing, and payment-orchestration tools to businesses, agencies, freelancers, contractors, contributors, and project-based teams, including:

• Time tracking and automated invoice generation
• Multi-party invoice aggregation and roll-ups
• Unified client payment requests
• Routing of contributor payout instructions
• Project and payment workflow coordination
• Visibility and reporting across project-based payments

Petl Pay provides software and technical infrastructure only. 

Petl Pay is not:

• A bank, credit institution, or deposit-taking entity
• A payment service provider (PSP)
• A money transmitter or remittance provider
• A custodian or trustee of funds or digital assets
• A foreign exchange dealer
• An investment adviser, broker, or intermediary
• A virtual asset service provider (VASP) or crypto-asset service provider (CASP)

Petl Pay does not itself provide regulated financial services.

1.2 Third-Party Financial Infrastructure. Financial functionality made available through the Platform is provided exclusively by independent, third-party providers that are licensed and regulated in their respective jurisdictions. This includes, without limitation, providers of:

• Payment processing and settlement
• Custody or safeguarding of funds or digital assets
• KYC/KYB, AML, and sanctions screening
• Fiat on-ramps and off-ramps
• Stablecoin issuance, conversion, or blockchain settlement

You must accept and comply with the applicable third-party terms, policies, and onboarding requirements in order to access any payment or financial features.

Petl Pay does not control and is not responsible for:

• Approval or rejection decisions
• Compliance determinations
• Transaction limits, freezes, or delays
• Settlement timelines
• Exchange rates or FX spreads
• Blockchain network performance
• Custody or safeguarding of funds

1.3 Non-Custodial; No Control of Funds 

Petl Pay operates on a strictly non-custodial basis. Petl Pay:

• Does not hold, receive, store, safeguard, or control user funds
• Does not take possession of fiat or digital assets at any time
• Does not manage private keys or wallet credentials
• Does not intermediate, pool, or escrow user money
• Does not execute transactions on its own behalf

All payment execution, custody (where applicable), and settlement are performed by licensed third-party providers or occur directly between users and such providers. User funds never enter Petl Pay’s possession or control.

2. Eligibility and Account Requirements

You must:

• Be at least 18 years old
• Have the legal capacity to enter into binding contracts
• Use the Platform only for lawful business or professional purposes
• Provide accurate, complete, and up-to-date information

You are responsible for:

• Maintaining the security of your login credentials
• All activity conducted through your account
• Ensuring your use of the Platform complies with applicable laws and regulations
• Ensuring your business is authorised to send, receive, or interact with digital assets or payment services where applicable

3. KYC, KYB, Compliance and Verification

3.1 When Verification Is Required Certain non-financial features of the Platform may be accessed without verification. To enable payments, stablecoin transactions, payouts, or financial integrations, you must successfully complete KYC/KYB with a licensed third-party provider.

3.2 Third-Party Compliance Decisions. All compliance, onboarding, monitoring, suspension, and termination decisions relating to financial services are made solely by third-party providers based on:

• Regulatory requirements
• Sanctions and AML obligations
• Risk and fraud assessments
• Jurisdictional restrictions

Petl Pay does not make, influence, or override these decisions.

3.3 Legal and Regulatory Disclosures. Where required by law, Petl Pay and/or its partners may disclose information to regulators, law enforcement, tax authorities, or other competent authorities.

4. Platform Features and User Responsibilities

4.1 Invoicing, Projects and Workflows. The Platform enables users to manage project-based workflows, including time tracking, invoicing, and payment instructions. You remain solely responsible for:

• The accuracy of time entries and invoices
• Tax calculation, reporting, and compliance
• Contractual relationships with clients, contributors, and counterparties
• Determining the legality of your activities in relevant jurisdictions

4.2 Payment Instruction Routing. Petl Pay enables you to submit instructions regarding payment allocation, contributor splits, and payout routing. You acknowledge that:

• Petl Pay does not execute payments
• Instructions are transmitted as provided by you
• Transactions are executed by licensed third-party providers
• Blockchain and payment transactions may be irreversible

You are solely responsible for reviewing and confirming all instructions prior to submission.

4.3 Stablecoins and Blockchain Networks. Where supported, the Platform may facilitate workflows involving stablecoins on supported blockchain networks. You acknowledge that:

• Blockchain transactions are irreversible
• Network fees may apply
• Congestion or outages may occur
• Stablecoins may de-peg or lose value
• Redemption and liquidity are not guaranteed

Petl Pay has no control over blockchain networks or stablecoin issuers.

5. Marketplace and Third-Party Participants

Where the Platform displays profiles, contributors, or service providers:

• Listings may be curated or moderated at Petl Pay’s discretion
• Petl Pay does not guarantee accuracy or performance
• All engagements occur directly between users
• Petl Pay is not a party to any underlying contracts

6. Fees and Pricing

Petl Pay may charge subscription, usage-based, transaction-related, or platform fees as disclosed within the Platform or agreed separately. Fees may be modified upon notice. Third-party providers may charge separate fees under their own terms.

7. Third-Party Services and Integrations

You acknowledge that:

• Financial services are provided solely by third parties
• Third-party outages, delays, freezes, or compliance actions do not constitute a breach by Petl Pay
• Petl Pay is not responsible for third-party systems, decisions, or failures

8. Prohibited Activities

You may not use the Platform to:

• Violate laws, sanctions, or regulations
• Engage in fraud, money laundering, or illicit finance
• Evade tax, reporting, or compliance obligations
• Misrepresent your identity or business
• Circumvent KYC/KYB requirements
• Interfere with Platform security or integrity

Petl Pay may suspend or terminate access for violations.

9. Intellectual Property

All software, documentation, designs, branding, workflows, and platform content are owned by Rafiki Works LTD and licensed to you on a limited, non-exclusive, revocable basis.

10. Disclaimers

The Platform is provided on an "as is" and "as available" basis. Petl Pay disclaims all warranties to the maximum extent permitted by law, including warranties relating to availability, accuracy, merchantability, fitness for purpose, and non-infringement.

Nothing on the Platform constitutes legal, tax, financial, or investment advice.

11. Limitation of Liability

To the maximum extent permitted by law:

• Petl Pay is not liable for indirect, incidental, consequential, or punitive damages
• Total liability shall not exceed the fees paid to Petl Pay in the preceding 12 months
• Petl Pay is not liable for losses arising from third-party providers, blockchain networks, stablecoins, user error, or compliance actions

12. Indemnification

You agree to indemnify and hold harmless Petl Pay, Rafiki Works LTD, and their directors, officers, employees, and affiliates from any claims arising from your use of the Platform or violation of these Terms.

13. Suspension and Termination

Petl Pay may suspend or terminate access at any time where required by law, requested by a third-party provider, or where your activity presents legal, compliance, or operational risk.

14. Governing Law

These Terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction.

15. Modifications

Petl Pay may update these Terms from time to time. Continued use of the Platform constitutes acceptance of updated Terms.

16. Contact Information

For questions regarding these Terms, contact: greg@petlpay.com

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