Terms(draft).

This terms page is a draft template being prepared for review by legal counsel. It outlines the intended scope of the future Paysos terms of service. It is not final legal advice and does not constitute an enforceable agreement.

Paysos is a Colombia-wide financial platform. Paysos is not a bank. Services are subject to applicable approvals, availability, eligibility, and partner arrangements, and may be provided directly or through licensed partners where applicable.

The future Paysos terms are intended to govern access to and use of Paysos products, including digital wallets, digital accounts, cards where available, merchant payments, business accounts, and developer APIs.

Use of Paysos services is intended to require eligibility, including minimum age, residency or operating jurisdiction in Colombia where applicable, and successful identity verification. Eligibility criteria will be confirmed in the approved terms.

Paysos is a financial platform designed for regulated financial services in Colombia. The scope of available services may evolve and will be described in the approved terms and in product documentation.

The intended product scope includes:

• Digital wallets for holding and moving funds in COP.
• Digital accounts for personal and business use.
• Cards where available, subject to partner arrangements.
• Merchant payments such as payment links, checkout, and QR.
• Business accounts with roles, reporting, and settlement features.
• Developer APIs for integrating Paysos capabilities.

All Paysos services are offered subject to applicable approvals, product availability, user eligibility, product configuration, and partner arrangements. Paysos may add, change, suspend, or discontinue features at any time. Fees and limits, where they exist, may vary.

• Provide accurate and current information.
• Keep credentials, devices, and verification factors secure.
• Use Paysos in line with applicable laws and these terms once approved.
• Cooperate with identity verification and compliance requirements.

The approved terms are expected to prohibit, among other things:

• Activity that violates applicable laws or regulations.
• Fraud, money laundering, terrorism financing, and sanctioned activity.
• Unauthorized access to Paysos systems, APIs, or other users' accounts.
• Use of Paysos to harm others or to circumvent compliance controls.

Where they apply, fees, limits, and product features may vary and are subject to applicable approvals, product configuration, and availability. Fee schedules will be published with the approved terms or in the product where applicable.

Users are expected to take reasonable steps to secure their accounts, including using strong credentials, enabling multi-factor authentication where offered, and reporting suspected unauthorized activity promptly. Paysos intends to apply security measures appropriate to a financial platform but does not promise absolute security.

Additional terms are expected to apply to merchants and businesses using Paysos for merchant payments, business accounts, settlements, refunds, and disputes. These will be published when the approved terms are released.

Additional terms are expected to apply to developers using Paysos APIs, including sandbox access, API keys, webhooks, rate limits, and acceptable use. These will be published when the approved terms are released.

Paysos is not a bank. No claim is made that Paysos services are insured deposits, that Paysos is a deposit-taking institution, or that Paysos is endorsed or approved by any payment network unless explicitly stated in the approved terms or product documentation.

Until the approved terms are published, Paysos services described on this site are illustrative previews and do not constitute live services.

Paysos may update these terms over time. Material changes will be communicated through the Paysos site or product. The version published as final will replace this draft template.

For questions about this draft, write to legal@paysos.co or use the Paysos contact page.

This draft has not been reviewed or approved by legal counsel. Paysos will replace this page with approved terms before live services are enabled. Until then, this page does not create any legal commitments.