Terms & Privacy

By creating a NebPay account or using any NebPay service, you confirm that you are at least 18 years old, have the legal capacity to enter into a binding agreement, and agree to these Terms of Service in full. If you do not agree, please do not use NebPay. These terms apply to all users, including senders, recipients, and visitors of the platform.

NebPay is a peer-to-peer digital payment platform that allows registered users to send and receive money to and from other registered users. NebPay is not a bank, and funds held in your NebPay balance are not FDIC-insured unless explicitly stated in a separate agreement. We facilitate transfers on your behalf and do not hold, invest, or lend your funds.

To use NebPay, you must register with accurate, current, and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. NebPay reserves the right to suspend or terminate accounts that provide false information, engage in fraudulent activity, or violate these Terms. You may not create more than one personal account.

When you initiate a transfer, you authorize NebPay to debit the specified amount from your linked payment source and credit the recipient's NebPay balance. Transfers may be subject to review for fraud and compliance purposes. NebPay is not responsible for transfers sent to the wrong recipient due to user error. Transaction limits and processing times vary by account type and verification level.

Standard transfers between NebPay users funded by a NebPay balance or linked bank account are free. Instant transfers to a debit card or external bank account may incur a fee as disclosed at the time of transaction. Business transactions and certain add-on services may carry additional fees. All applicable fees are shown before you confirm a transaction and are non-refundable unless required by law.

You may not use NebPay for unlawful purposes, including but not limited to money laundering, fraud, funding of illegal goods or services, or violation of sanctions. You may not use NebPay for gambling, adult content transactions, or any activity that violates applicable law. Violation of this section may result in immediate account suspension, forfeiture of balance, and referral to law enforcement.

In the event of a dispute with another user, NebPay may assist in facilitating communication but is not liable for the resolution of disputes between users. For disputes with NebPay directly, you agree to first contact our support team. If unresolved, disputes shall be settled by binding arbitration under the rules of the American Arbitration Association, in the jurisdiction of the state in which NebPay operates. Class action lawsuits are waived to the extent permitted by law.

To the fullest extent permitted by law, NebPay shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits or data, arising from your use or inability to use the platform. NebPay's total liability to you for any claim shall not exceed the amount of fees paid by you to NebPay in the twelve months preceding the claim.

NebPay reserves the right to update these Terms of Service at any time. We will notify users of material changes via email or in-app notification at least 14 days before the changes take effect. Continued use of the platform after the effective date constitutes acceptance of the updated terms.

You may close your NebPay account at any time by contacting support. NebPay may suspend or terminate your account at its discretion, with or without notice, for violations of these Terms or for any other reason. Upon termination, any pending transfers will be processed or reversed in accordance with applicable law, and your remaining balance will be returned to you subject to any holds or investigations.