Last updated: April 2026
Welcome to XPurse ("we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of the XPurse platform, including our web dashboard, Telegram bot, mobile interfaces, and all related services (collectively, the "Services"). By creating an account or using any part of our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.
To use XPurse, you must create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. You must be at least 18 years of age or the legal age of majority in your jurisdiction. XPurse reserves the right to suspend or terminate accounts that provide false information or violate these Terms.
XPurse provides multi-currency digital wallets, virtual payment card issuance, cryptocurrency exchange and storage, peer-to-peer transfers, bill payments, airtime top-ups, and gift card services. All Services are provided "as is" and may be modified, suspended, or discontinued at our discretion with reasonable notice. We do not guarantee uninterrupted access and are not liable for downtime resulting from maintenance, network issues, or force majeure events.
XPurse charges fees for certain transactions, including but not limited to virtual card creation, currency conversion, cryptocurrency trades, and cross-border transfers. All applicable fees are displayed before you confirm a transaction. Fee schedules may be updated periodically; continued use of the Services after such changes constitutes acceptance. Refunds for fees are provided only where required by applicable law or at our sole discretion.
In compliance with Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations, XPurse requires identity verification (KYC) for certain account features and transaction thresholds. You agree to provide valid government-issued identification and proof of address when requested. Failure to complete KYC verification may result in restricted access to Services. We reserve the right to request additional documentation at any time.
You agree not to use XPurse for any illegal, fraudulent, or unauthorized purpose. Prohibited activities include but are not limited to: money laundering, terrorist financing, fraud, tax evasion, transactions involving sanctioned jurisdictions or individuals, unauthorized access to other accounts, reverse engineering of our platform, automated data scraping, and any activity that violates applicable local or international laws. Violation may result in immediate account termination and reporting to relevant authorities.
To the maximum extent permitted by law, XPurse and its affiliates, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of the Services. Our total aggregate liability for any claims shall not exceed the amount of fees paid by you in the twelve (12) months preceding the event giving rise to the claim. This limitation applies regardless of the theory of liability.
XPurse reserves the right to update or modify these Terms at any time. Material changes will be communicated via email or in-app notification at least 14 days before they take effect. Your continued use of the Services after such changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically. The "Last updated" date at the top reflects the most recent revision.
If you have questions about these Terms of Service, please contact us at support@xpursepay.com or through our Telegram support bot at @XPursePay_Bot. For formal legal inquiries, written correspondence may be directed to our registered business address.