Yodl Pay — Terms of Service
Version 1.0 · October 2025
1. Introduction
These Terms of Service (“Terms”) govern your use of the Yodl Pay mobile application, website, and related services (“Services”).
The Services are operated by Yodl Association, Gartenstrasse 6, 6300 Zug, Switzerland (“Yodl Pay,” “we,” “us,” or “our”).
By accessing or using Yodl Pay, you agree to these Terms. If you do not agree, you must stop using the Services.
Yodl Pay is a self-custodial wallet that allows users to make payments with digital assets onchain and, where supported, through connected payment networks. Yodl Pay does not hold user funds, execute transactions on behalf of users, or provide financial, custodial, or money transmission services. It is not a bank, payment institution, or other regulated financial entity.
Any regulated activities, including but not limited to currency conversion or settlement into traditional payment networks, are performed solely by licensed third-party partners operating under their own regulatory authorizations. Yodl Pay acts solely as a technology provider connecting users to such partners and does not itself engage in regulated activity.
2. Eligibility
You must be at least 18 years old and legally capable of entering binding agreements. Certain features or jurisdictions may require you to complete identity verification (KYC) with an approved third-party provider to comply with local regulations or access higher limits.
3. Account and Wallet
When you create an account, Yodl Pay generates a self-custodial wallet through our technology partner, Privy. You remain the sole owner and controller of that wallet. Yodl Pay never has access to your private keys or funds.
You are solely responsible for maintaining access to your wallet and recovery credentials. Loss of access may result in permanent loss of assets, and Yodl Pay cannot recover them.
4. Payments
Yodl Pay enables users to make payments with digital assets that are executed onchain.
When a payment involves settlement into supported payment networks, Yodl Pay connects to licensed third-party partners that handle the conversion, settlement, and compliance within those payment networks.
All transactions are initiated from the user’s self-custodial wallet. Yodl Pay is fully non-custodial and never holds, stores, or has access to user funds or private keys. Yodl Pay acts solely as a technology interface and does not issue, process, or store fiat currency, nor does it act as a financial intermediary.
5. Fees
Yodl Pay does not charge fees for same-token payments. A convenience fee may apply to payments that require token swaps or conversions.
Third-party partners may charge their own fees when facilitating payments through connected payment networks. Any such fees are reflected in the payment quote shown before confirmation.
6. Acceptable Use
You agree not to use Yodl Pay to:
- Violate any applicable law, regulation, or sanction;
- Engage in fraud, scams, or other unlawful activity;
- Interfere with or disrupt the operation of Yodl Pay;
- Attempt to gain unauthorized access to the Services or related systems;
- Infringe on the intellectual property rights of others.
Yodl Pay may suspend or restrict access in cases of misuse or non-compliance.
7. Third-Party Services
Yodl Pay integrates with third-party providers such as wallet infrastructure partners and licensed payment institutions to enable certain features, including settlement into connected payment networks.
These providers operate independently and under their own regulatory authorizations. Yodl Pay does not control their operations or assume responsibility for their actions.
Any fees, exchange rates, or service conditions applied by these partners are determined solely by them and are reflected in the payment quote displayed before you confirm a transaction.
8. No Agency
Use of Yodl Pay does not create any agency, partnership, joint venture, employment, or fiduciary relationship between you and Yodl Pay, or between Yodl Pay and any third-party partner. Each party acts independently and is solely responsible for its own obligations and compliance under applicable law.
9. Disclaimers
The Services are provided on an “as is” and “as available” basis without warranties of any kind.
Yodl Pay does not guarantee uninterrupted or error-free operation and does not provide financial, investment, or legal advice.
You use Yodl Pay at your own risk.
10. Limitation of Liability
To the fullest extent permitted by law, Yodl Pay and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of funds, profits, revenue, or data, arising from or related to your use of the Services.
Your sole and exclusive remedy for dissatisfaction with the Services is to stop using Yodl Pay.
This limitation applies even if Yodl Pay has been advised of the possibility of such damages, and regardless of the legal theory under which liability is asserted.
Nothing in these Terms limits or excludes liability where such limitation or exclusion is prohibited by law.
11. Privacy
Your use of Yodl Pay is subject to our Privacy Policy, available at https://yodl.me/privacy.
It describes how we collect, use, and share information in connection with your use of the Services.
12. Termination
You may delete your Yodl Pay account at any time.
We may suspend or terminate access to the Services if you breach these Terms or use Yodl Pay unlawfully. Termination does not affect your control of your wallet or assets.
13. Intellectual Property
All trademarks, software, and content associated with Yodl Pay are owned by Yodl Association or its licensors.
You may not copy, modify, or redistribute any part of the Services without written permission.
14. Governing Law and Jurisdiction
These Terms are governed by the laws of Switzerland.
Any disputes shall be subject to the exclusive jurisdiction of the courts of Zug, Switzerland, unless otherwise required by local consumer-protection law.
15. Changes to Terms
Yodl Pay may update these Terms from time to time. Material changes will be communicated through the app or official channels.
Your continued use of Yodl Pay after an update constitutes acceptance of the revised Terms.
16. Contact
Yodl Association
Gartenstrasse 6, 6300 Zug, Switzerland
📧 info@yodlpay.com