Terms of Service

By accessing or using Parity (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service. These Terms apply to all users, including visitors, registered users, and paying subscribers.

Parity is an information and comparison service. We estimate and compare the all-in cost of sending money across borders through your bank, transfer apps, and stablecoin (crypto) routes, and show the cheapest path for a given corridor and amount. Parity is not a bank, money transmitter, money services business, payment processor, or exchange. We never hold, transmit, custody, or take possession of your money or crypto. We do not execute transfers. When you choose a route, you complete the transfer yourself, directly with the third-party provider or exchange you select, under that provider's own terms. We reserve the right to modify, suspend, or discontinue any part of the Service at any time.

The costs, rates, savings, and "cheapest path" results we show are estimates for general information only, built from live and reference market data (exchange rates, published provider fees, and stablecoin market prices). They are not financial, investment, tax, or legal advice, not an offer, and not a guarantee. Actual costs depend on the provider you use, the exact time you transact, your identity verification, limits, taxes, and market movements, and may differ from our estimate. Rates change constantly. You are responsible for verifying the real cost and terms with your chosen provider before you send any money. Parity is not liable for any difference between our estimate and what a transfer actually costs.

The banks, transfer apps, exchanges, and networks we compare are independent third parties. We do not control them and are not responsible for their services, fees, availability, security, or conduct. Your use of any provider is governed solely by that provider's terms. Stablecoin and crypto routes carry additional risk: on/off-ramp spreads, network fees, identity and tax requirements, and in some countries regulatory or account-freeze risk. We disclose these where we can, but you use crypto routes at your own risk and are responsible for complying with the laws that apply to you.

To use certain features, you must create an account. You agree to: - Provide accurate and complete registration information - Maintain the security of your password and account - Notify us immediately of any unauthorized use of your account - Accept responsibility for all activity under your account You must be at least 16 years old to create an account. If you are under 18, you must have parental or guardian consent.

Some features require a paid subscription. By subscribing, you agree to: - Billing: subscriptions are billed in advance on a monthly or annual basis, depending on the plan selected - Auto-renewal: subscriptions automatically renew at the end of each billing period unless canceled before the renewal date - Price changes: we may change subscription prices with at least 30 days notice. Price changes take effect at the next renewal - Taxes: prices do not include applicable taxes, which may be added at checkout based on your location Payment is processed securely by Stripe. We do not store your payment card information.

You may cancel your subscription at any time through your account settings or the billing portal. Upon cancellation: - Your subscription remains active until the end of the current billing period - You retain access to paid features until the period ends - No prorated refunds are issued for partial periods Refunds are issued only in cases of critical, persistent, and unresolvable technical failure that prevents you from using the Service entirely. To request a refund, contact support@corridor.founden.co with details of the issue.

You agree NOT to use the Service to: - Violate any applicable law, regulation, or third-party rights - Transmit malware, viruses, or any code designed to disrupt or damage - Attempt to gain unauthorized access to the Service, other accounts, or systems - Scrape, crawl, or harvest data from the Service without permission - Impersonate another person or entity - Send unsolicited commercial messages (spam) - Use the Service for any illegal, fraudulent, or harmful purpose We reserve the right to suspend or terminate accounts that violate these rules, with or without notice.

Our IP: the Service, including its code, design, branding, documentation, and underlying technology, is owned by Parity and protected by intellectual property laws. You may not copy, modify, distribute, or reverse-engineer any part of the Service. Your content: you retain ownership of any content you create, upload, or generate through the Service. By using the Service, you grant us a limited license to store, display, and process your content solely for the purpose of providing the Service to you. Feedback: if you provide suggestions, ideas, or feedback about the Service, you grant us an unrestricted, perpetual license to use that feedback to improve the Service without compensation or attribution.

Your use of the Service is also governed by our Privacy Policy, available at /legal/privacy. By using the Service, you consent to the collection and use of data as described in the Privacy Policy. You are responsible for ensuring that any data you process through the Service complies with applicable data protection laws, including GDPR and CCPA where applicable.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, error-free, or completely secure. We do not warrant that results obtained from the Service will be accurate or reliable.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PARITY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

You agree to indemnify and hold harmless Parity, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from: - Your use of the Service - Your violation of these Terms - Your violation of any third-party rights - Any content you create, upload, or transmit through the Service

We may suspend or terminate your account at any time if you violate these Terms, with or without notice. Upon termination: - Your right to access the Service ceases immediately - We may delete your account data after a reasonable retention period (see Privacy Policy) - Provisions that by their nature should survive termination (IP, liability, indemnification) continue to apply You may terminate your account at any time by contacting support@corridor.founden.co or through account settings.

We may update these Terms from time to time. When we make significant changes, we will notify you via email or a prominent notice on the Service at least 30 days before the changes take effect. Your continued use of the Service after changes are posted constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service.

These Terms are governed by and construed in accordance with the laws of the jurisdiction in which Parity is incorporated, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Service shall be resolved through good-faith negotiation. If negotiation fails, disputes shall be submitted to binding arbitration in the jurisdiction of Parity's principal place of business.

For questions about these Terms, contact us at support@corridor.founden.co.