Terms of Service

Zenthra Paylance provides a digital account interface for holding balances in multiple currencies, transferring funds between accounts, requesting bank and crypto withdrawals, applying for virtual cards and applying for loan products. It is a financial technology platform: it is not a bank and does not itself hold a banking licence.

You must be of legal age in your jurisdiction, act on your own behalf, and pass our identity verification checks. We may refuse, suspend or close an account where verification fails, where sanctions or legal restrictions apply, or where we detect fraud or abuse.

You are responsible for keeping your password and your Withdrawal PIN, Primary Authorization Key (PAK), Secure Transfer Key (STK) and Transaction Validation Key (TVK) confidential. Never share them with anyone, including anyone claiming to be our staff — we will never ask you for them by email, phone or chat. Notify us immediately at support@zenthrapaylance.online if you suspect unauthorised access.

• Transfers, withdrawals, crypto payouts, card applications and deposits are recorded as Processing and only settle after the applicable review and authorization steps complete. They may also be marked Failed or Cancelled.
• Manual deposits require proof of payment and are credited only after review.
• Instructions authorised with your security codes are treated as given by you. Once a payout has been executed it may be irreversible.
• FX rates, fees and limits applicable to a transaction are shown before you confirm it.

Fees are displayed in the interface at the moment you initiate an action — for example, the virtual card issuance fee is charged only when your application is submitted and sufficient balance is available. We will notify you before any change to a published fee.

You may not use the platform for money laundering, terrorist financing, sanctions evasion, fraud, unlicensed money transmission, gambling where prohibited, or any activity unlawful in your jurisdiction or ours. You may not attempt to probe, overload, scrape or circumvent the platform's security controls.

We may freeze an account, hold a transaction or close an account where we reasonably suspect a breach of these terms or a legal obligation applies. Where lawful we will tell you why. You may close your account at any time once outstanding balances and obligations are settled.

We provide the service with reasonable skill and care but do not guarantee uninterrupted availability. To the extent permitted by law we are not liable for indirect or consequential loss, or for losses arising from your disclosure of your security codes to a third party. Nothing limits liability that cannot lawfully be limited.

Raise complaints at support@zenthrapaylance.online; we will acknowledge and respond in writing during business hours (Monday–Friday, 9:00 AM–5:00 PM ET). These terms are governed by the laws of the State of Delaware, United States, and disputes are subject to the courts of Delaware.