Welcome to QNTM Pay (“QNTM,” “we,” “our,” or “us”). These Terms & Conditions (“Terms”) govern your access to and use of the QNTM Pay website (the “Site”). By accessing or using this Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. About QNTM Pay
QNTM Pay is a financial technology platform that provides information about digital finance products, services, and infrastructure. QNTM Pay is not a bank, does not hold customer deposits, and does not provide banking services directly. Banking, card, and payment services referenced on this Site are provided by licensed third-party financial institution partners, where applicable.

2. Website UseYou may use this Site solely for lawful, informational, and personal or business purposes. You agree not to:
- Use the Site in violation of any applicable law or regulation
- Attempt to gain unauthorized access to systems or data
- Disrupt or interfere with the operation or security of the Site
- Copy, scrape, or misuse content without authorization
We reserve the right to restrict or terminate access to the Site at any time.

3. No Financial, Legal, or Investment Advice
All content on this Site is provided for general informational purposes only and does not constitute financial, legal, tax, or investment advice. You should consult qualified professionals before making financial decisions. Nothing on this Site should be interpreted as an offer, solicitation, or recommendation of any financial product or service.

4. Product Availability & Launch Status
Certain products, services, or features described on this Site may be in development, limited, or subject to regulatory approval. Availability may vary by jurisdiction. Joining a waitlist or submitting information does not guarantee access to any product or service.

5. Third-Party Services & Links
This Site may reference or link to third-party websites, platforms, or services. QNTM Pay does not control and is not responsible for the content, policies, or practices of third parties. Use of third-party services is at your own risk and subject to their terms.

6. Intellectual Property
All content on this Site—including text, graphics, logos, trademarks, videos, and software—is owned by or licensed to QNTM Pay and is protected by intellectual property laws. You may not reproduce, modify, distribute, or exploit any content without prior written permission.

7. Privacy
Your use of the Site is subject to our Privacy Policy, which explains how we collect, use, and protect personal information. By using the Site, you consent to our data practices as described therein.

8. Disclaimer of Warranties
The Site is provided on an “as is” and “as available” basis. QNTM Pay makes no warranties, express or implied, regarding the accuracy, reliability, or availability of the Site or its content. We do not guarantee uninterrupted or error-free operation.

9. Limitation of Liability
To the maximum extent permitted by law, QNTM Pay shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of or inability to use the Site. This includes, without limitation, loss of data, revenue, or business opportunities.

10. Indemnification
You agree to indemnify and hold harmless QNTM Pay, its affiliates, officers, directors, and partners from any claims, liabilities, damages, or expenses arising from your use of the Site or violation of these Terms.
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11. Changes to These Terms
We may update these Terms from time to time. Changes will be posted on this page with an updated “Last Updated” date. Continued use of the Site after changes constitutes acceptance of the revised Terms.

132. Contact
For questions regarding these Terms, please contact: QNTM Pay
Email: [info@qntmpay]