Terms & Conditions of Service
EFFECTIVE: 2026 • GOVERNED UNDER BRAZILIAN LAW AND CENTRAL BANK OF BRAZIL REGULATIONS
These Terms govern the access and use of payment processing technology, orchestration gateway, and white-label subaccount services provided by Dotfy Technology, in partnership with affiliated licensed institutions Sistema Seguro Ltda and Verlic Ltda.
1. Scope of Services
Dotfy provides enterprise financial software services comprising: (i) software licensing for payment routing and orchestration; (ii) atomic issuance and settlement of instant Pix transactions via SPI rails; (iii) automated cascading split logic via programmatic API; (iv) secure card tokenization; and (v) ledger account infrastructure and BaaS for subaccount management.
2. Eligibility and KYC Verification
Onboarding of any partner enterprise into the Dotfy ecosystem is strictly conditional upon prior approval through our automated Know Your Customer (KYC) pipeline. Use of the platform for illegal activities, unregulated gambling, fraudulent schemes, or any practice contrary to Central Bank regulations is strictly prohibited.
3. Asset Segregation & Immediate Settlement (D+0)
All financial resources transacted by partner enterprises remain held in legally segregated escrow accounts under the supervision of BACEN-authorized financial institutions, fully distinct from Dotfy's corporate balance sheet. Settlement and withdrawals are executed in accordance with active commercial rules for real-time instantaneous settlement (D+0).
4. Fraud Prevention and Chargeback Responsibility
The partner enterprise retains sole and exclusive liability for the integrity and delivery of products or services sold to its end consumers, as well as for all chargeback ratios and disputes originating from its operational sales funnel.
5. Governing Law and Jurisdiction
These Terms are governed by and construed in accordance with the laws of the Federative Republic of Brazil. The courts of the corporate headquarters jurisdiction of Dotfy shall have exclusive jurisdiction over any disputes arising from this agreement.