Terms of Service

Last updated: September 13, 2026

These Terms of Service (“Terms”) govern your access to and use of the TrueGate platform, dashboard, API, SDKs and related services (collectively, the “Service”). The Service is operated by NOVAPAY Panamá, a company incorporated and existing under the laws of the Republic of Panama, with registered office at Sortis Business Tower, Piso 6, Oficina EF, Ciudad de Panamá, Panamá (“NOVAPAY”, “we”, “us”), which owns and operates the “TrueGate” brand and product. By creating an account or using the Service, you agree to these Terms.

1. Eligibility & account

You must be at least 18 years old and legally authorized to bind the entity you represent. You are responsible for the accuracy of the registration information and for keeping credentials confidential. You are responsible for all activity that occurs under your account, including API keys.

2. Permitted use

The Service is intended for legitimate KYC, AML, sanctions screening and identity verification use cases by regulated businesses. You may not use the Service to (a) violate any applicable law or regulation, (b) profile or discriminate against individuals in a way prohibited by law, (c) reverse-engineer or resell the Service without written authorization, (d) attempt to bypass rate limits, security controls or audit trails.

3. Verifications & end-user consent

When you send end users to a TrueGate verification link, you represent that you have a lawful basis to process their personal data and that you have provided them with adequate notice and, where required, obtained their consent. TrueGate acts as a processor for the personal data submitted through verifications; you remain the controller.

4. Pricing & payment

The Service is usage-based. Prices are listed on our website and may change with 30 days' notice. Credits purchased through the dashboard are non-refundable except where required by law. You are responsible for any taxes not explicitly included in the invoice.

5. Data & retention

We retain verification records, audit trails, and related metadata for the retention period required by applicable AML/KYC regulations, or for the period stated in your account settings, whichever is longer. See our Privacy Policy for details.

6. Availability & SLA

We target 99.9% monthly uptime for the production API. Scheduled maintenance is communicated in advance. The Service is provided “as is” and, except as explicitly stated in a written agreement, TrueGate makes no warranty of fitness for a particular purpose.

7. Third-party providers

Some checks rely on third-party data sources (for example government registries, official sanctions lists, and identity verification vendors). TrueGate is not responsible for inaccuracies or downtime in those upstream sources, but will surface such issues in the API response.

8. Termination

You may cancel your account at any time from the dashboard. We may suspend or terminate accounts that violate these Terms, present a fraud or compliance risk, or fail to pay outstanding invoices. Termination does not relieve you of accrued payment obligations.

9. Limitation of liability

To the maximum extent permitted by law, NOVAPAY's aggregate liability under these Terms will not exceed the amount you paid for the Service in the 12 months preceding the event giving rise to the claim. NOVAPAY is not liable for indirect, incidental or consequential damages.

10. Governing law & jurisdiction

These Terms are governed by the laws of the Republic of Panama. Any dispute arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the competent courts of Panama City, Panama, unless a mandatory consumer-protection rule of your place of residence requires otherwise.

11. Changes to these Terms

We may update these Terms from time to time. Material changes will be notified via email or dashboard notice at least 15 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

12. Contact

Questions about these Terms should be sent to legal@truegate.io, addressed to NOVAPAY Panamá, the operator of the Service.