Terms of service
Last updated: 31 October 2026
1. Scope
These terms govern the use of PayLorya AI (the "Service"), provided by CashXChain Inc., 48 Wall Street, Suite 1100, PMB 1024, New York, NY 10005, United States, as named in the legal notice ("we"). The Service is intended for businesses and self-employed persons, not for consumers. By creating an account you accept these terms.
2. The Service
PayLorya AI is an AI CFO: it reads financial documents, analyses spending, helps plan budgets and cash, and drafts payments that are executed only within rules you set or after your approval. The Service is in early access:
- Cardano payments run on the Preprod test network with test funds, and fiat payments run in a sandbox with test money. No real money is moved.
- Features may change, be added or be removed. We do not guarantee any particular availability.
- Use of the Service is currently free of charge. We will announce paid plans in advance; they will only apply if you agree to them.
3. Your account
You must provide accurate information and keep your login credentials confidential. You are responsible for all activity under your account. Tell us immediately if you suspect unauthorised access.
4. AI results are not advice
The AI CFO's analyses, summaries, forecasts and suggestions are generated automatically and can be incomplete or wrong. They are not tax, legal, investment or accounting advice. Check important results yourself and consult a qualified professional where appropriate.
5. Payments and agent permissions
- You decide what the agent may do: its autonomy level (read-only, guarded or full access), its limits, whether it may only pay saved payees, and which connections have write access. You are responsible for these settings and for every payment you approve.
- A drafted payment moves no money. A payment executes only if your settings allow it, or after you approve it.
- Check payee and account details before you approve a payment. Account details read from documents may be wrong or manipulated.
- Blockchain transactions cannot be reversed.
- We are not a bank or payment institution. Fiat payouts are handled by connected payment providers under their own terms.
6. Your content
You keep all rights to the documents and data you upload. You grant us the right to store and process them to the extent necessary to provide the Service, including processing by the AI providers named in our privacy policy. You confirm that you are entitled to share this content, including personal data of third parties it contains.
7. Acceptable use
You may not use the Service for unlawful purposes, including fraud, money laundering, terrorist financing or sanctions evasion; to upload malware or content you have no right to share; to attempt to access other users' data; or to interfere with the Service or its security. We may suspend accounts that violate these rules.
8. Availability and changes
We strive to keep the Service available but cannot guarantee uninterrupted operation, in particular during early access. We may change these terms with reasonable notice by email or in the Service. If you do not object within the notice period, the changed terms apply; we will point this out in the notice.
9. Liability
We are liable without limitation for intent and gross negligence, for injury to life, body or health, and under the German Product Liability Act. For slight negligence we are liable only for breaches of essential contractual obligations (obligations whose fulfilment makes proper performance of the contract possible and on which you may regularly rely), limited to the damage typically foreseeable at the time the contract was concluded. Otherwise our liability is excluded. Since the Service is provided free of charge during early access and moves only test funds, liability for slight negligence is excluded to the extent permitted by law.
10. Termination
You can stop using the Service and request closure of your account at any time by writing to legal@cashxchain.com. We may terminate accounts with reasonable notice, or immediately for good cause, for example a serious breach of section 7.
11. Governing law
German law applies, excluding the UN Convention on Contracts for the International Sale of Goods. If you are a merchant, a legal entity under public law or a special fund under public law, the exclusive place of jurisdiction is Munich, Germany.