Rebell Pay Business app Terms & Conditions

FOR VIRTUAL CURRENCY AND FIAT CURRENCY EXCHANGE INTERMEDIATION AT ELIXIR GROUP S.A.

1. PRELIMINARY PROVISIONS
   
   
   1. These Regulations set forth the terms and conditions of provision by Elixir Group S.A. (the "Company") an intermediary service of exchange between virtual currencies and means of payment, conducted online through the platform available at: https:/rebellpay.com (the "Platform").
   2. The Terms and Conditions constitute a tripartite contractual template (framework agreement) binding on the Company, the user issuing the offer on external platforms ("Merchant") and the user accepting the offer ("Customer"). The provisions of the Terms and Conditions shall apply from the acceptance of these Terms and Conditions until the expiry of all obligations arising from the concluded Transactions.
   3. The Company acts as an intermediary in the exchange between virtual currencies and means of payment within the meaning of Article 2(1) para. 12 lit. c of the AML Act, in particular:
      1. provides the IT infrastructure for tracking the status of transactions,
      2. carries out its own KYC/KYB and AML procedures in respect of Customers and Merchants,
      3. generates payment instructions, verifies the correspondence between the payer and the Customer, and orders the blocking of Customers' fiat funds in a separate payment account until confirmation of the delivery of virtual currencies is received,
      4. provides a dispute resolution system on the basis of the proofs of transaction execution presented by the parties.
   4. The Company is a party to the contract for the sale of virtual currencies with regard to the compliance of the transaction with AML regulations, while it does not guarantee the delivery of virtual currencies by Merchant or the execution of fiat payments by the Customer beyond its obligations arising from the content of these terms and conditions or the provisions of directly applicable law.
   5. By using the Platform, the Client and Merchant declare that they have read and are aware of the content of these Terms and Conditions and the Tariff of Fees.
   6. Any commencement of a Transaction requires acceptance of the Terms and Conditions, which is an integral part of the conclusion of the Framework Agreement.
      
      
2. DEFINITIONS
   
   

   The following definitions are used in the Regulations:

   Company	Elixir Group S.A. with its registered office in Warsaw, entered into the Register of Entrepreneurs of the National Court Register under number: 0001109236, holding NIP: 9471899016 and REGON: 473178243; and holding a VASP licence under number: RDWW-1335, as confirmed by the certificate of the Director of the Tax Administration Chamber in Katowice, ul. Paderewskiego 32B, 41-282 Katowice under number: 2401-CKRDST.4225.560.2024
   Platform	online software made available by the Company at https://rebellpay.com;
   Offer	terms and conditions for the sale or purchase of virtual currency published by Merchant on an external platform, imported into the Application;
   Customer	the natural or legal person who accepts the Offer and undertakes to pay the price;
   Merchant	the user who issues Offers and accepts fiat payment from Customers;
   Transaction	the process of exchanging virtual currency for means of payment (fiat) or vice versa between the Merchant, the Company, and the Customer monitored in the Platform;
   Payment time window	a period of 24 hours counted from the moment of acceptance of the Offer by the Customer, in which the Customer should complete the transfer of the fiat funds to Merchant
   Panel	the interface of the Platform that allows the status of the Transaction to be tracked: accept, declined, in review, which can also be in the form of an email.
   Recovery fee	the fee charged by the Company in the event of an erroneous (not in accordance with the provisions of a single payment) or delayed fiat payment which affects the need to return the funds to the sender, representing the operational costs related to the handling and recovery of these funds, as defined in the Tariff of Fees.
   User	a natural or legal person who has set up an Account on the Platform, has passed the KYC procedure (if a natural person) or KYB procedure (if a legal person or a business), has accepted the Terms and Conditions and uses the services provided by the Company, including may act as a Customer or Merchant in the Transactions concluded.
   AML Act	Act of 1 March 2018 on the prevention of money laundering and financing of terrorism (i.e. Journal of Laws 2025, item 644).

3. SCOPE AND NATURE OF THE SERVICE
   
   
   1. The Company provides a Platform that allows the sale or purchase of virtual currencies, based on Offers published by Merchants on external platforms. The Platform generates payment instructions and monitors changes in the status of Transactions reported by the Merchant and the Client.
   2. The Companies maintains a payment account to temporarily hold the fiat funds paid by the Client in the execution of a Transaction. The Company shall block and release these funds in accordance with the rules set out in these Terms and Conditions.
   3. The Company, does not maintain wallets of virtual currencies for users, does not participate in the transfer of virtual currencies and is not responsible for their delivery, which is carried out exclusively through Merchant, outside the infrastructure of the Platform.
   4. The Platform archives KYC/KYB documents and transaction data in accordance with the AML Act, and provides reporting and dispute resolution tools.
   5. The Company does not take possession of the Client's funds for any other purpose than solely for the provision of the service of brokering the exchange of virtual currencies into cash as referred to in Article 2(1) para. 12(c) of the AML Act. Furthermore, the Company does not provide payment services to any party within the meaning of the Payment Services Act of 19 August 2011.
   6. The Company may temporarily restrict or suspend access to the Platform if it becomes necessary to make technical changes or in the event of the detection of security risks or in other cases provided for by generally applicable law or by decisions of public authorities, informing users as soon as possible.
   7. Due to its function as an intermediary in the transaction and due to the speed of transactions and the nature of the market in which it operates, the Company does not have direct access to the data indicated in the Offer (it receives them with a delay depending on whether the payment for the Offer has been made) and, consequently, is only able to verify the correctness of the data upon receipt of payment. The Customer is therefore responsible for the accuracy of this data. He is responsible for ensuring that the information regarding the transfer of fiat and virtual currency is complete, correct and factually correct.
      
      
4. TERMS OF USE OF THE PLATFORM
   
   
   1. Each User creates an Account and undergoes the KYC (natural person) or KYB (entrepreneurs) procedure, undertaking to keep their data updated and to maintain active two-factor authentication (2FA).
   2. The User undertakes to use the Platform only for lawful purposes and in accordance with its intended use, in particular:
      1. not to use tools masking your location in internationally sanctioned jurisdictions,
      2. not to use the Platform for money laundering, terrorist financing, fraud or any other illegal activity,
      3. not to act on behalf of third parties without written authorisation verified by the Company.
   3. The User shall maintain technical and organisational measures to ensure the security of the Account, including:
      1. uses only devices with up-to-date software and security features,
      2. does not make your login details available to third parties,
      3. uses a strong, unique password for the Account,
      4. does not log in from untrusted or public networks without appropriate encryption.
   4. The User may not maintain more than one Account, sharing or combining Accounts with other persons is prohibited.
   5. The User undertakes not to use automated scripts, bots or other technologies which interfere with the operation of the Platform without the prior consent of the Company.
   6. The User undertakes all actions in the Panel independently; impersonating representatives of the Company or other Users is prohibited.
   7. The Company reserves the right to:
      1. temporarily block an Account or Transaction,
      2. request additional information or documents,
   8. In case of refusal to provide the required information or documents, the Company may terminate the Framework Agreement with immediate effect.
      
      
5. PROCEDURE FOR ENTERING INTO AND EXECUTING TRANSACTIONS
   
   
   1. KYC/KYB PROCEDURE
      
      
      1. Each User, before using the Platform for the first time, must set up an Account and undergo a verification of identity (KYC) procedure for natural persons or a company verification (KYB) procedure for legal persons.
      2. The KYC/KYB procedure requires the User to provide the Company with personal or company data, as well as to send the relevant documents proving identity and residential address (e.g. identity card, passport) or company registration documents.
      3. The Company verifies the information and documents provided in accordance with the AML Act, verification may take up to 72 working hours. If, for reasons beyond the Company's control, the verification requires a longer period of time, the Company will immediately inform the Client of the delay and indicate the expected date of completion of the procedure.
      4. Once the KYC/KYB process has been completed, the User undertakes to update his/her data regularly and to maintain active two-factor authentication (2FA).
      5. In certain cases, the Company may apply enhanced financial security measures and request additional information from the User in accordance with the relevant provisions of the AML Act and other generally applicable laws and guidelines from public authorities.
      6. By making a payment using the Platform, the Customer also agrees to share his/her full KYC profile and payment details with Merchant which is necessary to complete the transaction for AML regulation reasons.
         
         
   2. TRANSACTION EXECUTION PROCEDURE
      
      
      1. The Customer, wishing to complete a Transaction, views the Merchant's Offer on the external platform and then manually transfers the Offer details to the Platform's transaction window by entering:
         1. The unique transaction identifier provided by Merchant in the Offer or automatically generated by the platform on which the Offer is issued - an individual string of characters on the basis of which the Company decodes all the data necessary to complete the payment; its provision by the Customer is a prerequisite for completing the Transaction.
         2. The amount of the transfer and the currency, as indicated in the Offer. In addition, after passing the process on the Company's Platform, it transfers from its KYC/KYB compliant bank account to: The account number indicated on the Platform together with the Payment Title indicated on the Platform, which is unique for each transaction
      2. The Customer shall ensure that all the identification data referred to in paragraph 1 are correct and in accordance with the data posted by Merchant on the external platform. If the Customer enters incorrect identification data, resulting in an incorrect payment, the Customer may be charged a Recovery Fee as detailed in the Tariff of Fees.
      3. Once the identification data referred to in clause 1 has been correctly entered, the Customer is obliged to transfer the funds to the individual, single-assigned payment account number indicated by the Company in the Platform's transaction interface. The payment operation must be initiated exactly to this account, with the title of the transfer unchanged and the amount and currency corresponding to the values presented in the transaction window.
      4. The Customer is obliged to make the payment within 1 (one) hour of the acceptance of the Offer (Time Window for fast payments) if the payment is made through a scheme allowing immediate transfers or within 24 hours of the acceptance of the Offer (Time Window for slow payments). Failure to pay within this time window entitles the Company to automatically cancel the Transaction. This provision is one of several mechanisms to protect the parties from potential abuse.
      5. Each individual Transaction constitutes a separate civil law contract between the Customer, the Company and the Merchant. The conclusion of this contract occurs when the OTP code sent to the Customer's email address is entered on the Platform. Subsequently, an additional re-confirmation of the conclusion of the contract is the crediting of the full fiat amount indicated in the Offer to the Company's payment account referred to in paragraph 3. Once this account is credited with the relevant amount, a contractual relationship is established between the parties, under which the Merchant is obliged to transfer the virtual currency to the Customer and the Company is obliged to temporarily store the fiat funds and release them in accordance with the terms and conditions of the Transaction.
      6. The conclusion of the agreement is confirmed by the automatic generation of a confirmation of the Transaction sent to the Client's and Merchant's e-mail addresses provided at the registration stage, as well as by changing the status of the Transaction in the Panel to "accepted".
      7. Once the Transaction agreement has been concluded and the funds have been credited to the payment account, the Company blocks the fiat funds until it receives confirmation of the execution of the shipment of virtual currencies from Merchant.
      8. The Merchant, after receiving confirmation of the blocking of fiat funds, undertakes to send virtual currencies directly to the Client's wallet address indicated in the Offer or communicated by the Client in the text communication available in the Panel.
      9. The Merchant is obliged to confirm the fact of the transfer of virtual currencies in the Panel by changing the status of the Transaction accordingly.
      10. The Customer is obliged to confirm the receipt of virtual currencies in the Panel or by email immediately. If the Customer does not raise any objections within 24 hours of the Transaction being given the status "sent" by Merchant, the Transaction is deemed to have been successfully completed and the accumulated fiat funds will be released to Merchant.
      11. In the event of any doubts or problems related to the completion of the Transaction, the Customer shall have the right to initiate the dispute procedure described in Section IX of these Terms and Conditions.
      12. The Customer is obliged to exercise due diligence when entering data and making payments, as it is responsible for their correctness and timeliness. The Company shall not be liable for any irregularities resulting from errors made by the Customer when completing the transaction window and/or when paying for the Offer from his/her account.
      13. Once the funds are credited to the Merchant's account, the Company will settle (transfer the funds) according to the Merchant's instruction (based on the completed application form, in which the data for the transfer will be provided), whereby the Company has the right to withdraw from the instruction if such a transfer would violate the Company's AML policy.
          
          
6. CONSEQUENCES OF ERRONEOUS OR UNAUTHORISED PAYMENT
   
   
   1. The customer is fully responsible for the correctness of the data provided during the transfer. If incorrect data such as the bank account number, beneficiary, or incorrect title of the transfer or an incomplete amount is provided, resulting in the cancellation of the Transaction or the need for additional verification, the Client will be charged a Recovery Fee as set out in the Tariff of Fees - unless the provision of incorrect data was due to circumstances beyond the Client's control.
   2. If a payment has been made from a payment account whose details do not match the information verified during the KYC procedure or if there is a suspicion of an unauthorised or fraudulent transaction, the Company shall take verification and recovery action, for which a Recovery Fee shall also be charged.
   3. In the event of an unauthorised payment, withdrawal of a payment by the Customer's bank or other circumstances indicating a risk of a fraudulent transaction, the Company has the right to temporarily suspend the release of funds and inform the relevant authorities in accordance with the AML Act.
   4. The Company shall only carry out technical recovery activities related to the identification and return of funds. All banking costs, network fees and exchange rate risks are to be borne by the Customer.
   5. If a Merchant is responsible for the incorrect execution of a Transaction, in particular if he has not sent virtual currency in accordance with the terms of the Offer, he will be charged a Recovery Fee as set out in the Tariff of Fees.
   6. The Company reserves the right to claim compensation in excess of the Recovery Fee if the actual costs incurred by the Company as a result of an incorrect or unauthorised payment exceed this fee.
      
      
7. FEES AND BILLING
   
   
   1. The Company charges Merchant a Transaction Fee as set out in the Fee Schedule, which is charged automatically upon release of fiat funds by the Platform or upon resolution of a dispute in Merchant's favour.
   2. The Company may charge a Recovery Fee to the party that caused the fiat payment error or provided an incorrect virtual currency address. This fee is purely cost-based - it serves to cover the actual operating expenses and any bank charges incurred in the recovery of funds and is not a source of profit for the Company. Its amount corresponds to a maximum of two times the standard transaction fee set out in the Tariff of Fees, where the rules for its calculation are described in detail.
   3. All fees are presented to the User prior to the conclusion of a Transaction or before ordering an additional service and are visible in the history of the Transaction in the User's Account on the Platform.
      
      
8. LIABILITY AND RISKS
   
   
   1. The Company is responsible for the correct acceptance and release of fiat funds on the payment account in connection with the execution of the Transaction, as well as for the correct operation of the Platform and the dispute procedure concerning fiat payments. The Company is not responsible for the performance of the obligations to send virtual currencies, which remain the sole responsibility of Merchant.
   2. The Company may temporarily suspend an Account or a Transaction if it reasonably suspects fraud, violation of the Terms and Conditions or applicable laws. In such a case, the Company may block the relevant funds necessary to cover the costs of the investigation.
   3. The Company is not responsible for erroneous data provided by the Customer, in particular regarding the bank account number or the address of the virtual currency wallet.
      
      
9. DISPUTE RESOLUTION
   
   
   1. A dispute relating to a Transaction may be reported by either party via the "Report a Dispute" function available in the Transaction Panel or via email address. The submission must include a detailed description of the problem and all the evidence at hand (e.g. blockchain transaction IDs, bank confirmations, screenshots of the wallet or external platform).
   2. Once a dispute has been reported, the Platform will give the Transaction an "in review" status and inform both parties. The Merchant and the Client are obliged to cooperate with the Company and provide all documents and evidence requested by the Company within 5 business days of receiving the request.
   3. If one of the parties does not provide the required documents or does not respond to the Company's request within the prescribed period, the Company may resolve the dispute in favour of the other party.
   4. The Company's decision may consist of:
      1. releasing the fiat funds held in the payment account in favour of the Merchant if the correct delivery of the virtual currency is confirmed,
      2. returning the fiat funds to the Customer if the Merchant has not delivered the virtual currency or has delivered it incorrectly,
   5. The Company's internal dispute resolution concludes the dispute procedure on the Platform, but does not limit the parties' right to pursue their claims in court or through out-of-court dispute resolution (ADR) methods.
      
      
10. FINAL PROVISIONS
    
    
    1. The Terms and Conditions are drawn up in English and only this version is legally binding, and translations are provided for information purposes only.
    2. The Company reserves the right to amend the Terms and Conditions and the Tariff of Fees at least fourteen days in advance, unless the amendment is a direct consequence of the law or a decision of the supervisory authorities, in which case it shall take effect immediately.
    3. The User has the right to terminate the Framework Agreement with immediate effect if he/she does not accept the changes, which does not relieve him/her of the obligation to settle Transactions already concluded.
    4. In matters not regulated by the Terms and Conditions, the provisions of Polish law shall apply.
    5. Any disputes arising from these Terms and Conditions shall be resolved by a court with territorial jurisdiction in accordance with general provisions, and in the case of Customers who are consumers, by a court with jurisdiction over the place of residence of the consumer; the parties may agree to submit the dispute to court arbitration or mediation.
    6. By accepting these Terms and Conditions, the User agrees to make his/her personal data available to the other party to the transaction to the extent necessary to carry out the transaction or resolve a dispute, including name, surname, date of birth, identity document number, address of residence and address of the blockchain wallet.

Fee Schedule

Fee Schedule for Merchant

Subscription is charged upfront on the 1st of each month. Company reserves the right to review the account’s return activity and apply the appropriate subscription plan: Standard, Advance, Enterprise based on system-detected thresholds. Users will be notified of such changes in advance.

In case there will be more than 3% Money Return Requests initiated by Customer (calculate any possible way of asking for return) per Merchant per month Company can immediately terminate contract.