General Disclaimer

Xentopay (XTPY) is a digital utility token designed exclusively for use within the Xentopay ecosystem. This includes payments, merchant tools, cashback programs, staking, BNPL services, and other platform‑related utilities. XTPY does not represent equity, ownership, shares, voting rights, or any form of security or financial instrument in any company or legal entity.

1. No Financial, Legal, or Investment Advice

All information provided through the Xentopay website, documents, whitepapers, social channels, or communications is for general informational purposes only. Nothing published by Xentopay should be interpreted as:

• Financial advice
• Legal advice
• Tax advice
• Investment advice
• A recommendation to buy, sell, or hold any cryptocurrency

Users should conduct their own independent research and consult qualified professionals before engaging in any cryptocurrency‑related activity.

2. No Guarantees or Promises

Xentopay does not guarantee:

• Future token value
• Profit or returns
• Market performance
• Liquidity availability
• Merchant acceptance or ecosystem expansion

Cryptocurrency markets are highly volatile. Participation in blockchain‑based systems carries inherent risks, including technical failures, regulatory changes, and market fluctuations.

3. Utility‑Only Token

XTPY is strictly a utility token intended for:

• Payments within the Xentopay ecosystem
• Merchant transactions
• Cashback programs
• Staking and rewards
• BNPL settlement
• Access to platform features

It is not designed or marketed as an investment product.

4. Regulatory Compliance

Users are responsible for ensuring that their use of XTPY complies with the laws and regulations of their jurisdiction. Xentopay does not guarantee that:

• XTPY is legal in every country
• Users meet eligibility requirements
• Local tax obligations are automatically handled

Users must verify their own compliance.

5. Third‑Party Services

The Xentopay website may contain links to third‑party platforms, exchanges, or services. Xentopay is not responsible for:

• External content
• Security practices
• Service reliability
• Data handling policies

Users interact with third‑party services at their own risk.

6. No Liability

To the fullest extent permitted by law, Xentopay shall not be held liable for:

• Loss of funds
• Loss of access to wallets
• Market losses
• Technical issues
• Unauthorized access
• User mistakes
• Third‑party failures

Users assume full responsibility for their actions and decisions.

7. Forward‑Looking Statements

Some content may include forward‑looking statements regarding future plans, features, or ecosystem growth. These statements are not guarantees and may change due to market conditions, regulatory updates, technical challenges, or business decisions.

8. Updates to This Disclaimer

Xentopay may update this General Disclaimer at any time. Changes will be posted on this page with a revised “Last Updated” date.

9. Contact

Email: info@xentopay.com

Address: Business Bay, Dubai, UAE