Terms of Service

Last updated: April 2026 · Provider: Chainmore OÜ, Kotkapoja tn 2a-10, 10615 Tallinn, Estonia (Registry code: 17448638)

1. Scope

(1) These Terms of Service ("Terms") apply to all contracts between Chainmore OÜ ("ChainMore", "Provider") and its customers ("Merchant", "Customer") concerning the provision and use of the ChainMore payment-orchestration platform and its associated services.

(2) These Terms are addressed exclusively to entrepreneurs within the meaning of § 14 BGB or to legal entities. Use by consumers is excluded.

(3) Deviating, conflicting, or supplementary general terms and conditions of the Customer shall not become part of the contract unless their validity has been expressly agreed in writing.

2. Description of Services

(1) ChainMore provides a payment-orchestration middleware that enables Merchants to orchestrate payments across multiple fiat and stablecoin rails. The specific services include in particular:

• Dynamic routing engine for selecting optimal payment paths
• Pre-flight validation to ensure feasibility of the chosen paths
• Adapter infrastructure for connecting to third-party providers (Payment Service Providers, on/off-ramps, cross-chain bridges, wallet-connect providers)
• Stablecoin abstraction layer for multi-chain operations
• Coordinated execution for cross-rail payment flows
• Merchant dashboard with API key management, transaction monitoring, and webhook configuration
• Stablecoin checkout SDK

(2) ChainMore is a non-custodial orchestration layer. Merchant and end-customer funds move through the configured PSP, blockchain, on/off-ramp, or provider rails; ChainMore does not take custody of those funds.

(3) Specific availability, performance, and support service levels are defined in the Service Level Agreement (SLA) of the chosen pricing plan, which forms an integral part of these Terms.

3. Conclusion of Contract

(1) The presentation of services on the website www.chainmore.io does not constitute a binding offer. The Customer makes a binding offer to conclude a contract by registering in the Merchant Dashboard. ChainMore accepts the offer by activating the account or by express confirmation.

(2) ChainMore reserves the right to reject requests without giving reasons, in particular if the Customer operates in an industry that is not compatible with the compliance requirements of the third-party providers integrated by ChainMore.

4. Customer Obligations

(1) The Customer undertakes to provide truthful and complete information upon registration and to keep this information up to date.

(2) The Customer undertakes to comply with all applicable legal requirements, in particular regarding:

• Anti-money-laundering (AML / KYC)
• Data protection (GDPR and comparable regulations)
• Sanctions law (in particular EU and US sanctions lists)
• Industry-specific regulation applicable in the relevant jurisdiction

(3) The Customer is responsible for the security of its API keys and other access credentials. The loss or misuse of access credentials must be reported to ChainMore without delay.

(4) The Customer shall indemnify ChainMore against all claims by third parties arising from a breach of these obligations or from any unlawful use of the platform.

5. Fees and Payment Terms

(1) The fees are based on the pricing model in force at the time the contract is concluded, as published on www.chainmore.io/pricing or as agreed in the individual Master Service Agreement.

(2) ChainMore charges two types of fees:

• Merchant Orchestration Fee: charged monthly or per transaction, depending on the plan.
• End-Customer Checkout Fee: charged to the end-customer at the stablecoin checkout and not part of the Merchant fee.

(3) Invoices are due for payment without deduction within 14 days of issue, unless otherwise agreed.

(4) In the event of late payment, ChainMore is entitled to suspend the Customer's account until the outstanding amount has been settled.

6. Availability and Maintenance

(1) ChainMore aims for the highest possible availability of the platform but does not guarantee any specific availability unless otherwise stipulated in the SLA of the relevant plan.

(2) Planned maintenance work will be announced with reasonable notice where possible. Necessary security updates may be carried out without prior notice.

(3) ChainMore is not liable for outages or impairments attributable to third-party providers (PSP, blockchain, on/off-ramp).

7. Data Protection

The processing of personal data is carried out in accordance with the separately published Privacy Policy. Insofar as personal data is processed on behalf of the Customer in the course of contract performance, the parties shall conclude a separate data-processing agreement pursuant to Article 28 GDPR.

8. Confidentiality

Both contracting parties undertake to use any confidential information of the other party obtained in the course of contract performance solely for the purpose of fulfilling the contract and to treat it as confidential. This obligation continues to apply after the contract has ended.

9. Liability

(1) ChainMore is liable without limitation for intent and gross negligence, for personal injury, and in accordance with the provisions of the Product Liability Act.

(2) In cases of slight negligence, ChainMore is only liable for breach of essential contractual obligations (cardinal duties) and limited to the typical, foreseeable damage.

(3) ChainMore is not liable for indirect damages, loss of profit, loss of data, or consequential damages, as far as legally permissible.

(4) ChainMore is not liable for acts or omissions of integrated third-party providers (PSP, blockchain, on/off-ramp). Any claims must be addressed directly to the respective third-party provider.

(5) ChainMore's liability per contract year is limited to the fees paid by the Customer in the preceding 12 months.

10. Termination

(1) The contract runs for an indefinite period unless otherwise agreed and may be terminated by either party with 30 days' notice to the end of the month.

(2) The right to extraordinary termination for good cause remains unaffected. Good cause is given in particular in the event of:

• a material breach of essential contractual obligations by either party,
• insolvency or liquidation of either party,
• regulatory or judicial prohibition of essential contractual services.

(3) Notices of termination must be given in text form.

11. Final Provisions

(1) The law of the Republic of Estonia shall apply to the exclusion of the UN Convention on Contracts for the International Sale of Goods. To the extent legally permissible, the place of jurisdiction is Tallinn, Estonia.

(2) Should individual provisions of these Terms be or become invalid, the validity of the remaining provisions shall remain unaffected. The invalid provision shall be replaced by a valid provision that comes closest to the economic purpose pursued by the invalid provision.

(3) Changes to these Terms will be announced to the Customer in text form with 30 days' notice. If the Customer does not object within this period, the amended Terms shall be deemed accepted. ChainMore will inform the Customer of this effect in the notification of the amendment.

(4) The exclusive contract language is English.

Questions: support@chainmore.io