Terms & Conditions

1. Introduction

Welcome to Anikrypt, your all-in-one platform for bill payments, gift card trading, virtual card services, and cryptocurrency transactions. By accessing or using our services, including our website and mobile applications, you agree to be bound by these Terms of Service ("Terms"). If you do not agree with these Terms, you must not use our services. These Terms govern your use of the Anik platform and are a legally binding agreement between you and Anikrypt.

We may update these Terms from time to time to reflect changes in our services or legal obligations. You will be notified of significant changes via email or through the platform. Continued use of our services after such updates constitutes your acceptance of the revised Terms.

User Agreements

To use Anikrypt’s services, you agree to the following:

  • Eligibility: You must be at least 18 years old and have the legal capacity to enter into these Terms. By using our services, you represent that you meet these eligibility requirements.
  • Account Responsibility: You are responsible for maintaining the security of your account, including your login credentials. You must notify us immediately at [email protected] if you suspect unauthorized access.
  • Accurate Information: You agree to provide accurate and complete information when creating an account or conducting transactions. Providing false information may result in account suspension or termination.
  • Compliance with Laws: You agree to use our services in compliance with all applicable local, national, and international laws, including those related to financial transactions, anti-money laundering (AML), and know-your-customer (KYC) regulations.
  • Service Usage: You agree to use our services only for their intended purposes, such as processing bill payments, trading gift cards, creating virtual cards, and conducting cryptocurrency transactions.
Restrictions

You are expressly prohibited from engaging in the following activities:

  • Using the platform for illegal activities, including money laundering, fraud, or terrorist financing.
  • Attempting to hack, reverse-engineer, or interfere with the platform’s security or functionality.
  • Using automated systems (e.g., bots, scripts) to access or manipulate the platform without prior authorization.
  • Distributing malware, viruses, or other harmful software through the platform.
  • Engaging in activities that disrupt or degrade the platform’s performance or availability.
  • Impersonating another person or entity or misrepresenting your affiliation with Anikrypt.
  • Using the platform to harass, abuse, or harm other users or third parties.

Violation of these restrictions may result in immediate account suspension, termination, and potential legal action.

Service-Specific Terms

The following terms apply to specific Anikrypt services:

  • Bill Payments: Payments for airtime, data, cable, or electricity are processed through third-party providers. Anikrypt is not liable for delays or errors caused by these providers.
  • Gift Card Trading: All gift card trades are final. You are responsible for verifying the validity of gift cards before trading. Anikrypt reserves the right to withhold funds in cases of suspected fraud.
  • Virtual Cards: Virtual cards are subject to spending limits and usage restrictions. Anikrypt may suspend or cancel cards suspected of misuse.
  • Cryptocurrency Transactions: Crypto transactions are irreversible. You are responsible for ensuring the accuracy of wallet addresses. Anikrypt is not liable for losses due to market volatility or user error.
Fees and Payments

Anikrypt charges fees for certain services, such as gift card trading and cryptocurrency transactions. These fees are disclosed at the time of the transaction. You agree to pay all applicable fees and authorize Anikrypt to deduct them from your account. All payments are non-refundable unless otherwise stated or required by law.

Termination and Suspension

Anikrypt may suspend or terminate your account at its sole discretion, with or without notice, for reasons including but not limited to:

  • Violation of these Terms or other Anikrypt policies.
  • Suspected fraudulent or illegal activity.
  • Failure to comply with AML/KYC requirements.
  • Inactivity for an extended period (e.g., 12 months).

Upon termination, your access to the platform will cease, and any remaining funds may be subject to a holding period for compliance purposes. You may contact [email protected] to address termination-related issues.

Limitation of Liability

To the maximum extent permitted by law, Anikrypt and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the platform, including but not limited to:

  • Loss of funds due to user error, market volatility, or third-party actions.
  • Service interruptions due to technical issues, maintenance, or external attacks.
  • Losses resulting from unauthorized access not caused by Anikrypt’s negligence.

Anikrypt’s total liability for any claim shall not exceed the amount of fees paid by you for the specific service giving rise to the claim.

Indemnification

You agree to indemnify and hold harmless Anikrypt and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of the platform, violation of these Terms, or infringement of any third-party rights.

Governing Law and Dispute Resolution

These Terms are governed by the laws of [Insert Jurisdiction, e.g., Delaware, USA]. Any disputes arising from these Terms or your use of the platform shall be resolved through binding arbitration in accordance with the rules of the [Insert Arbitration Body, e.g., American Arbitration Association]. Arbitration shall take place in [Insert Location, e.g., Wilmington, Delaware], and the proceedings shall be conducted in English. You waive any right to participate in class-action lawsuits or class-wide arbitration.

Users’ Questions & Answers

Contact Us

If you have any questions about these Terms, please contact us at:

Last updated: June 2, 2025