Terms of Use

Company: TOYA LTD
Jurisdiction: United Kingdom (England, Wales)
Effective Date: 27 May 2025

1. Introduction

Welcome to TOYA. These Terms of Use (“Terms”) govern your access to and use of Toya’s web site, tools, APIs, applications, software, and associated services (collectively, the “Services”). By accessing or using the Services, you confirm that you have read, understood, and agreed to be bound by these Terms, our Privacy Policy, and all applicable legal obligations.

If you do not agree with these Terms, please do not use our Services.

2. About Toya

TOYA LTD (“TOYA”, “Toya”, “we”, “our”, or “us”) provides digital infrastructure and technical platforms tailored for fintech service providers, enabling them to operate efficiently and securely.

Note: TOYA is not a licensed financial institution and does not provide regulated financial services.

3. Eligibility

To access our Services, you must:

Be a legal entity capable of entering into binding contracts;
Hold any necessary licenses or regulatory authorizations required for your operations;
Ensure compliance with your jurisdiction’s legal and regulatory obligations.

You represent and warrant that all information provided to Toya is accurate, current, and complete.

4. Account Registration & Access

To use the Services, you may be required to create an account. You agree to:

Keep your login credentials secure;
Ensure only authorized users access the platform;
Notify us immediately of any suspected security breaches.

We reserve the right to suspend or terminate access at our discretion in case of a violation of these Terms or applicable laws.

5. Scope of Services & Restrictions

You agree to use the Services strictly for lawful and authorized business activities. You may not:

Use the Services for unlawful purposes or activities including but not limited to fraud, money laundering, or unauthorized financial services;
Resell, sublicense, reverse engineer, or tamper with any part of the platform;
Introduce malware, overload, or otherwise harm our infrastructure;
Use the Services in a way that infringes the rights of third parties or violates applicable laws.

6. Intellectual Property

All content and technology underlying the Services—including logos, trademarks, software code, and documentation—remain the sole property of Toya or its licensors.

You are granted a non-exclusive, non-transferable, revocable license to use the Services within the scope defined in your service agreement and under these Terms.

7. Data Protection

Both parties shall comply with all applicable data protection regulations, including the General Data Protection Regulation (GDPR).

You are responsible for the lawful collection and use of personal data from your users.
Toya acts as a data processor and provides tools to help you comply with legal obligations.

8. Fees and Payments

Fees for the Services are defined in your commercial agreement with Toya. Unless explicitly stated otherwise:

All fees are non-refundable;
Non-payment may result in suspension or termination of Services;
Taxes and levies are your sole responsibility unless otherwise agreed.

9. Third-Party Services

Toya may integrate or cooperate with third-party providers (e.g., KYC/AML tools, banking APIs). We do not control such third-party services and are not liable for their availability, actions, or terms.

Any issues with third-party services must be resolved directly with the provider.

10. Service Availability & Updates

We aim to maintain reliable and secure Services, but do not guarantee uninterrupted availability. Toya reserves the right to:

Schedule routine or emergency maintenance;
Implement updates or changes that may impact functionality.

We will make reasonable efforts to notify you in advance when possible.

11. Termination

Toya may suspend or terminate your access if:

You breach these Terms or applicable law;
You misuse the platform or engage in unauthorized activities;
You become insolvent or cease operations.

Upon termination, your license to use the Services is revoked and access will be disabled.

12. Disclaimers & Limitation of Liability

The Services are provided “as is” without warranties of any kind, express or implied.

To the maximum extent permitted by law, Toya shall not be liable for:

Indirect or consequential damages;
Loss of profits, data, or goodwill;
Service interruptions due to factors beyond our control.

13. Governing Law & Dispute Resolution

These Terms are governed by the laws of the United Kingdom, without regard to conflict-of-law principles.

Any disputes shall be resolved through amicable negotiation. If not resolved, disputes will be submitted to arbitration in London, England.

14. Changes to Terms

Toya reserves the right to update or revise these Terms at any time. Changes will be posted on our website or communicated via email. Your continued use of the Services indicates acceptance of the updated Terms.

15. Contact Us

For any questions about these Terms, please contact:

Company Name: TOYA LTD
Registration Number: 16800469
Address: 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ