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Terms and Conditions of Use

1. Service Overview

GOESPay is a mobile application that enables users to perform money transfers, payments, and other electronic financial operations in a simple and secure way.

The service is published by GOES INDUSTRIE, hereinafter referred to as "GOESPay".

Using the application implies full acceptance of these Terms and Conditions of Use.

2. Conditions for Access

To use GOESPay, the user must:

  • be at least 18 years old
  • have a compatible mobile phone
  • provide accurate information during registration
  • accept these terms

GOESPay reserves the right to deny access to any person who does not meet these conditions.

3. Account Creation

To access GOESPay services, the user must create an account by providing:

  • full name
  • phone number
  • any other information requested by the application

The user is responsible for the accuracy of the information provided.

GOESPay may suspend or delete an account if the information is incorrect or fraudulent.

4. Identity Verification (KYC)

To comply with financial regulations and fraud prevention requirements, GOESPay may require identity verification.

The user may be asked to provide:

  • a valid identification document
  • a verification photo or selfie
  • any additional information required

GOESPay reserves the right to limit certain features until verification is completed.

5. Services Offered

The GOESPay application includes, among others:

  • sending money to other users
  • receiving money
  • domestic and international transfers
  • peer-to-peer payments
  • payments to partner merchants

GOESPay reserves the right to add, modify, or remove certain features.

6. Fees and Commissions

Some operations may be subject to fees.

These fees are clearly displayed before a transaction is validated.

GOESPay may change applicable fees at any time. Users will be informed through the application.

7. User Responsibility

The user is responsible for:

  • keeping their PIN code or password confidential
  • securing their mobile phone
  • all transactions performed from their account

GOESPay cannot be held liable for fraudulent use resulting from user negligence.

8. Transaction Validation

Any transaction validated by the user is considered final and irreversible.

It is the user's responsibility to verify:

  • the recipient's number
  • the amount sent
  • transaction details

GOESPay cannot be held responsible for user input errors.

9. Anti-Fraud and Anti-Money Laundering

GOESPay applies a strict policy against:

  • fraud
  • money laundering
  • financing of illegal activities

Any suspicious activity may lead to:

  • account suspension
  • temporary fund blocking
  • internal investigation
  • reporting to competent authorities

10. Account Suspension or Closure

GOESPay reserves the right to suspend or close an account in case of:

  • fraud or attempted fraud
  • abusive use of the service
  • violation of these terms
  • illegal activity

11. Personal Data Protection

GOESPay collects certain personal data to:

  • operate the service
  • secure transactions
  • comply with legal and regulatory obligations

Personal data is processed in accordance with applicable data protection laws.

GOESPay undertakes not to sell users' personal data to third parties.

12. Service Availability

GOESPay makes every effort to ensure service availability.

However, the application may be temporarily unavailable due to:

  • maintenance
  • technical issues
  • network interruptions
  • force majeure events

GOESPay cannot be held liable for such interruptions.

13. Limitation of Liability

GOESPay cannot be held responsible for damages resulting from:

  • improper use of the application
  • user error
  • internet connection issues
  • failure of the user's phone

14. Changes to the Terms

GOESPay reserves the right to modify these Terms and Conditions of Use at any time.

Users will be informed via the application or by notification.

Continued use of the service after modification constitutes acceptance of the updated terms.

15. Governing Law

These Terms and Conditions of Use are governed by the laws in force in the country where the service operates.

Any dispute shall be submitted to the competent courts.

16. Contact

For any questions regarding these terms, users can contact GOESPay support through the application or official communication channels.

We are building the digital economy - a fairer, more accessible, more efficient and more transparent financial system made possible by new currencies.

We started in 2017 with the radical idea that anyone, anywhere, should be able to send and receive currency easily and securely. Today, we offer a reliable and easy-to-use platform to access the broader digital economy.