Legal Document

Terms of Service

These Terms of Service ("Terms") govern your access to and use of the bangnikgcircle platform, APIs, and associated services. Please read them carefully before proceeding.

Effective: 1 January 2026
Version: 3.2
Jurisdiction: England & Wales

1. Acceptance of Terms

By accessing or using any bangnikgcircle service, API, dashboard, or documentation, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree, you must immediately discontinue use of the platform.

2. Description of Service

bangnikgcircle provides financial infrastructure services including payment processing APIs, ledger management, fund routing, and developer tooling designed for enterprise and scale. Services are provided "as-is" subject to your selected plan and any applicable Service Level Agreement.

3. Account Registration

You must provide accurate, current, and complete information when creating an account and keep that information updated. You are solely responsible for safeguarding your API credentials and for all activity that occurs under your account. Notify us immediately at [email protected] if you suspect unauthorized access.

4. Orders & Payments

Subscription fees and usage charges are billed in accordance with the pricing schedule displayed at checkout or in your executed order form. All fees are non-refundable except where expressly stated or required by law. bangnikgcircle reserves the right to adjust pricing with 30 days' written notice.

5. Acceptable Use

You may not use the platform for any unlawful purpose, to process transactions prohibited under applicable financial regulations, or to facilitate fraud, money laundering, or terrorist financing. Automated scraping, reverse engineering, or reselling API access without written authorization is strictly prohibited.

6. Intellectual Property

All software, APIs, documentation, trademarks, and brand assets associated with bangnikgcircle are the exclusive property of bangnikgcircle Ltd. and its licensors. No license to our intellectual property is granted other than the limited right to use the platform as expressly permitted herein.

7. Data & Privacy

Your use of the platform is also governed by our Privacy Policy, which is incorporated by reference into these Terms. We process personal and financial data in accordance with applicable data protection laws, including GDPR where relevant.

8. Confidentiality

Each party agrees to keep confidential all non-public information disclosed by the other party in connection with these Terms and to use such information solely to fulfill obligations hereunder. This obligation survives termination for a period of three (3) years.

9. Disclaimers

THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. bangnikgcircle does not warrant that the service will be error-free or uninterrupted.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, bangnikgcircle's TOTAL LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS SHALL NOT EXCEED THE FEES PAID BY YOU IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM. IN NO EVENT WILL bangnikgcircle BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES.

11. Indemnification

You agree to indemnify, defend, and hold harmless bangnikgcircle, its officers, directors, employees, and agents from any claims, losses, or expenses (including reasonable attorneys' fees) arising from your use of the platform, your violation of these Terms, or your violation of any third-party rights.

12. Termination

Either party may terminate these Terms upon 30 days' written notice. bangnikgcircle may suspend or terminate your access immediately and without notice if you breach any provision of these Terms or if continued access poses a legal, security, or financial risk. Upon termination, all licenses granted herein cease immediately.

13. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict-of-law principles. Any dispute arising hereunder shall be subject to the exclusive jurisdiction of the courts of London, United Kingdom, except where mandatory consumer law requires otherwise.

14. Amendments

bangnikgcircle may modify these Terms at any time by posting a revised version on our website and notifying registered account holders via email. Your continued use of the platform after the effective date of any modification constitutes acceptance of the updated Terms.

15. Contact

For questions regarding these Terms, please contact our legal team at [email protected] or write to: bangnikgcircle Ltd., 30 St Mary Axe, London, EC3A 8BF, United Kingdom.

If you have questions about these Terms, please contact us at [email protected] or visit our Contacts page. These Terms were last updated on 1 January 2026.

bangnikgcircle

Financial infrastructure built for scale — powering the world's most demanding payment operations.

[email protected]+1 (800) 942-7700
350 Fifth Avenue, New York,
NY 10118, USA

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bangnikgcircle is not a bank. Payment services are provided by licensed financial partners.