Terms of Use

Last Updated: February 2026

1. Acceptance of These Terms

These Website Terms of Use (“Terms”) govern your access to and use of the Pin4 website (the “Website”), including any content, functionality, and materials made available through the Website. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, you should not access or use the Website.

2. Informational Purpose Only

The Website is provided for informational purposes only. The Website does not provide financial services, money transmission services, or consumer payout services directly to individuals. Pin4 provides technology services to authorized entities (“Sending Entities”) and regulated financial partners. Any consumer payout services are provided through those Sending Entities and partners, not directly through this Website.

Nothing on this Website constitutes an offer to provide financial services, a solicitation to engage in any transaction, or legal, financial, or investment advice.

3. No Reliance

You acknowledge that any reliance on information provided on this Website is at your own risk. While Pin4 strives to provide accurate and current information, the Website content may contain errors or omissions and may not reflect the most current developments.

4. Regulatory Availability

Availability of services described on this Website may vary by jurisdiction and is subject to regulatory requirements, partner availability, and applicable law. Nothing on this Website should be interpreted as a representation that services are available in all locations.

5. Contact Forms and Submissions

If you submit information to Pin4 through contact forms or other submission features on the Website, you agree that such information may be processed in accordance with the Pin4 Privacy Policy. You represent that any information you provide is accurate and that you have the right to provide it.

6. Intellectual Property

All content on the Website, including text, graphics, logos, designs, software, and other materials, is owned by Pin4 or its licensors and is protected by applicable intellectual property laws. You may access and view Website content for personal or internal business purposes only. You may not reproduce, distribute, modify, or create derivative works without prior written consent.

7. Acceptable Use

You agree not to use the Website in any unlawful manner, attempt to gain unauthorized access to any systems, introduce malicious code, or interfere with the Website’s operation or security.

8. Export and Sanctions Compliance

You may not use the Website in violation of applicable export control, sanctions, or trade laws. Access to the Website may be restricted in certain jurisdictions.

9. Third-Party Links

The Website may contain links to third-party websites for convenience only. Pin4 does not control and is not responsible for the content, policies, or practices of third-party websites.

10. Disclaimer of Warranties

The Website and all content are provided “as is” and “as available.” To the maximum extent permitted by law, Pin4 disclaims all warranties, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

11. Limitation of Liability

To the maximum extent permitted by law, Pin4 shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or relating to your use of, or inability to use, the Website. Your sole remedy for dissatisfaction with the Website is to stop using it.

12. Privacy

Your use of the Website is also subject to the Pin4 Privacy Policy.

13. Changes to the Website and These Terms

Pin4 may modify or discontinue the Website at any time without notice. Pin4 may update these Terms from time to time. Updated versions will be posted on the Website with a revised “Last Updated” date. Continued use of the Website after changes constitutes acceptance of the revised Terms.

14. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. Any dispute arising from these Terms or your use of the Website shall be resolved in the state or federal courts located in Delaware.

15. Severability

If any provision of these Terms is found unenforceable, the remaining provisions shall remain in full force and effect.

16. Contact Information

If you have questions about these Terms, please contact: info@pin4.com