These Terms and Conditions govern the payment services and other related services provided by ArcaPay (as defined below) to its clients – natural persons.
As used in these Terms and Conditions, the following terms shall have the meanings set forth below:
|1.1. Account||means a user account that is required for access, authentication, and authorisation to ArcaPay Services;|
|1.2. ArcaPay||means ArcaPay Ltd, a legal entity incorporated in England, company registration number 07762021, registered address 35-37 Ludgate Hill, Office 7, London, EC4M 7JN. An Authorised Payment Institution, authorised by the Financial Conduct Authority under the Payment Service Regulations 2017 (670226) and a licensed money transmitter registered with HM Revenue & Customs (XBML00000150442);|
|1.3. Authentication||Means the procedure performed by the ArcaPay which allows the ArcaPay to verify the identity of the Client (i.e., to perform Client Identification), including the use of its personalised security credentials;|
|1.4. Business Day||means a day on which both payer’s and Recipient’s payment service providers (involved in processing the Payment Transaction) are open for business;|
|1.5. Charity||means a body whose annual income is less than £1 million and is: (a) in England and Wales, a charity as defined by section 1(1) of the Charities Act 2011; (b) in Scotland, a charity as defined by section 106 of the Charities and Trustee Investment (Scotland) Act 2005; or (c) in Northern Ireland, a charity as defined by section 1(1) of the Charities Act (Northern Ireland) 2008 or, until that section comes into force, a body which is recognised as a charity for tax purposes by Her Majesty's Revenue and Customs;|
|1.6. Client||means a natural person that seeks to get or who uses the services provided by ArcaPay and has accepted the Terms and Conditions;|
|1.7. Dashboard||means a portal available after signing into the Client’s Account where the Payment Transaction(s) history and information about other Services is made available;|
|1.8. Group Companies||means ArcaPay Ltd and its sibling company ArcaPay UAB;|
|1.9. Micro-Enterprise||means an enterprise that has an annual turnover and/or balance sheet total that does not exceed €2 million and employs fewer than 10 people;|
|1.10. OUR Type Payment||means a type of Payment where the Client pays ArcaPay’s fees and charges, as well as fees and charges of any other financial institution involved in the Payment Transaction;|
|1.11. Payment service provider||means an entity (a bank, a payment institution, etc.) providing payment Services to the payer or the payee;|
|1.12. Payment Transaction||means the transfer of funds that the Client requests and authorises ArcaPay to make to the Recipient;|
|1.14.Recipient||means the entity or private person to whom the funds are transferred (payee);|
|1.15. Relevant Funds||means sums received from a Client for the execution of a Payment Transaction;|
|1.16. Services||mean the services provided by ArcaPay to the Client, including, but not limited to, Payment transactions (money remittances), and currency exchange transactions governed by these Terms and Conditions;|
|1.17. Terms and Conditions||mean these Terms and Conditions governing the legal relationship between the Client and the ArcaPay.|
|1.18. Website||means ArcaPay’s official website available at www.arcapay.com.|
2.2. These Terms and Conditions form the Framework Contract as defined in the Payment Services Regulations 2017.
2.3. ArcaPay reserves the right to refuse registration of the Client. ArcaPay shall be under no obligation to reveal the reasons for such refusal. Nonetheless, in no event, such refusal will be based on a discriminatory basis.
2.4. By accepting these Terms and Conditions the Client, amongst other things, confirms that it has the sufficient legal capacity to enter into these Terms and Conditions and is at least 18 years old or older if a higher minimum age limit is prescribed by applicable law.
2.5. These Terms and Conditions must be accepted by the Client by (i) physically signing and expressing consent or (ii) signing electronically, by using the appropriate Authentication measures and following the instructions provided on the ArcaPay’s Website and/or Mobile App. Acceptance of these Terms and Conditions, if any, electronically through the use of such Authentication measures shall have the same legal validity as the Client’s signature on a written document, and the Client’s agreements concluded with the ArcaPay by using such Authentication measures shall be deemed to be written agreements concluded between the Client and the ArcaPay.
2.6. The Client undertakes to provide ArcaPay with all information and documents as requested by ArcaPay to comply with legal requirements or internal procedures. In order to comply with applicable regulatory requirements ArcaPay has the right to use third-party compliance tools, check, accumulate and retain publicly available information on the Client and any person related thereto.
2.7. The Client is responsible for the completeness and accuracy of all information provided to ArcaPay at any time. The Client must keep its contact information up to date at all times. The Client undertakes to notify ArcaPay as soon as it becomes aware of any error in any details it has provided.
2.8. ArcaPay may refuse to create duplicate Accounts for the same Client and reserves the right to close or merge these duplicate Accounts.
2.9. ArcaPay conducts searches through external identity-referencing agencies and through other sources of information and uses scoring methods both to allow it to provide the Clients with the Services and to assess risk in doing so. A record of this process will be kept and may be used to allow ArcaPay Group Companies to similar provide the Services. Information may be passed to governmental, regulatory, or judicial organisations to prevent fraud or financial crime where we consider it appropriate. Additionally, information may also be passed to other organisations or persons to prevent fraud. The foregoing use of Personal Data may render us a Data Controller.
3.1. To initiate a new Payment Transaction, the Client needs to log into online Account on the Website and input Payment Transaction details:
3.1.1. the amount of funds to be transferred;
3.1.2. the currency in which the funds should be transferred;
3.1.3. the full name of the Recipient;
3.1.4. the Recipient’s country;
3.1.5. the Recipient’s full address;
3.1.6. the Recipient’s payment account country;
3.1.7. the Recipient’s payment account number;
3.1.8. the BIC/SWIFT code of the Recipient’s bank / payment service provider (if requested);
3.1.9. transaction reference (optional);
3.1.10. the Recipient’s email address (optional).
3.2. The Client’s consent for executing the Payment shall be confirmed by using identification means acceptable to ArcaPay. Information about acceptable identification means is published on ArcaPay’s website.
3.3. ArcaPay shall be liable for the execution of a Payment Transaction according to the unique identifier indicated by the Client. In the event that the Client provides an incorrect unique identifier or other incorrect Payment Transaction details in respect of the Payment Transaction, ArcaPay shall not be liable for non-execution, defective or delayed execution of the Payment Transaction. Nonetheless, ArcaPay shall cooperate with a Client and assist the Client (to the extent required under applicable legislation) in the recovery of funds involved in the relevant Payment Transaction(s).
3.4. The Payment order is considered to be made and are irrevocable after the Payment Transaction details are submitted and confirmed by the Client.
3.5. The Payment order shall be deemed received at ArcaPay on the day of its receipt if the Payment order was received before 14:00 (GMT). If the Payment order was received at ArcaPay after 14:00 (GMT), it shall be deemed that the Payment order was received at ArcaPay on the first Business Day following the day when the Payment order was submitted to ArcaPay.
3.6. After completing the details for the Payment Transaction(s) and confirming them, the Client will be provided with Payment Transaction funding instructions on the website and via email on depositing the funds required for the Payment Transaction. This does not amount to ArcaPay’s acceptance to process the Payment Transaction, it is only a confirmation of receipt of the request for the Payment.
3.7. The Client undertakes within one hour after booking a Payment Transaction to initiate the transfer of funds to the account specified by ArcaPay in the instructions related to the particular Payment. Transfer of funds must be made from a payment account held in the Client’s name.
3.8. The Client undertakes to notify ArcaPay about any circumstances, that may delay the transfer of funds, by sending a written notification to [email protected] or using other communication channels specified on the Website.
3.9. The Client cannot revoke the transaction after it has been authorised as indicated in clause 3.4.
3.10. ArcaPay will have the right to request the Client additional documents related to the Payment (an associated invoice, the purpose of the payment, source of funds, etc.). Failure to provide such documents, provision of incomplete or incorrect information, will result in a delay or cancellation of the Payment Transaction.
3.11. The Payment Transaction may be suspended or cancelled by ArcaPay in any of the following events:
3.11.1. ArcaPay upon additional request to the Client is unable to obtain satisfactory documentation (as considered by ArcaPay) relating to the Payment Transaction(s);
3.11.2. the funds to finance the relevant Payment Transaction are received by ArcaPay from a payment account not held in the Client’s name;
3.11.3. the funds received from the Client to finance the relevant Payment Transaction are insufficient (the amount is less than that specified in the instructions to the Client);
3.11.4. ArcaPay has reason to believe that the Payment Transaction is incorrect, unauthorised, forged or otherwise fraudulent;
3.11.5. the Payment Transaction is directly linked to a person subject to financial sanctions;
3.11.6. the Client fails to provide or provides incorrect or incomplete information (as considered by ArcaPay);
3.11.7. other events prescribed by applicable regulations.
3.12. The funds of not executed Payment Transaction(s) specified in clause 3.8 are returned the payment account held in the Client’s name from which the Client has transferred the funds to finance the relevant Payment Transaction(s).
3.13. ArcaPay seeks (however cannot guarantee) that the Payment to the Recipient is accompanied by the Client’s details by:
3.13.1. making the Payment in the name of the Client; or
3.13.2. specifying the Client as the original payer; or
3.13.3. specifying the Client name in the payment details (payment purpose).
3.14. The list of destinations to which ArcaPay may perform Payment Transactions is available at the following link: https://www.arcapay.com/geographical-coverage.
3.15. ArcaPay allows the transfer of funds in different currencies, which are published on ArcaPay’s website. In such a situation ArcaPay also provides a currency exchange service. The currency exchange rate is shown to the Client in the process of filling in the Payment Transaction details.
3.16. ArcaPay may use other service providers to help it deliver the Services to the Clients. These providers may be involved at different stages of a Payment transaction, including but not limited to collection of funds, currency conversion and payouts.
3.17. In case the requested Payment to the Recipient is in United States dollars (USD), ArcaPay may only guarantee that the funds deposited to the Recipient’s payment account shall be equal to the amount specified in the Payment instructions when the OUR Type Payment is chosen. In other cases, the actual amount deposited to the Recipient’s payment account may be less than that indicated in the Payment’s instructions due deductions made by intermediaries and (or) the Recipient’s payment service provider.
4.1. The Client should be aware that payment service providers have fixed cut off times for the receipt and dispatch of electronic payments. ArcaPay is not responsible for and has no liability for any delay in or failure of any Payment Transaction which results from late arrival of funds or late receipt of instructions.
4.2. If ArcaPay does not receive the Client’s payment by 13:30 (GMT) on the day when it is initiated, the maximum term for execution of the Payment (see clause 4.4 below) shall be calculated from the following Business Day.
4.3. If either leg of the Payment Transaction falls on a day which is not a Business Day, the final payment will be delayed until the first Business Day.
4.4. The maximum term for the execution of the Payment Transaction shall be:
4.4.1. one (1) Business Day from the day of receipt of the funds for the relevant Payment Transactions(s) in case the Payment is executed wholly within the European Economic Area;
4.4.2. two (2) Business Days from the day of receipt of the funds for the relevant Payment Transactions(s) in case the Payment falls outside the scope of clause 4.4.1 above.
5. Cancelations / Refunds
5.1. The Client may any time before the point in time of irrevocability, indicated under clause 3.3, cancel the consent to execute the Payment Transaction. After the point in time of irrevocability, indicated under clause 3.3, the Payment may be cancelled only if agreed between the Client and ArcaPay. The Client may exercise this right by sending a written request to [email protected]. The cancelation of the order has to be sent from a contact email linked to the Client’s Account.
5.2. If the Client exercises its right to cancel the Payment after it has confirmed the Payment Transaction details, ArcaPay will reimburse any payments which the Client has made. The cancellation charge that covers expenses associated with the reimbursement (fees applied by correspondent intermediaries) and currency exchange rate fluctuations may be applied by ArcaPay.
5.3. In case the Payment is rejected by any intermediary or the Recipient’s payment service provider, the Client is provided the following options:
5.3.1. in case the Payment was rejected due to in accurate or insufficient Payment Transaction details – make the necessary revisions of the Payment Transaction details and repeat the Payment Transaction; or
5.3.2. get the refund in the currency in which the Payment should have been received by the Recipient, where possible; or
5.3.3. get the refund in the currency in which the Client has deposited the funds to ArcaPay for the relevant Payment.
Nevertheless, ArcaPay does not guarantee that it will be able to make a refund available in the currency preferred by the client as specified in clauses 5.3.2 and 5.3.3
5.4. In case the Payment was rejected due to the fault of the Client (e.g., submitting incorrect or insufficient Payment Transaction details) and the Client chooses an alternative specified in 5.3.2. or 5.3.3., the Payment Transaction processing costs (e.g., any fees deducted by correspondent intermediaries), if any, shall be deducted from the refund amount.
5.5. In case the Client chooses alternative specified in 5.3.3 the Client shall additionally bear the risk of fluctuations in currency exchange rate that have occurred after the initiation of the relevant Payment.
5.6. In case the Client transfers more funds than required for a particular Payment Transaction, ArcaPay will refund the exceeding amount to the Client’s payment account. ArcaPay will apply EUR 1 (one) fee for the exceeding amount refund.
6. Prohibited Use of Services
6.1. The Client undertakes to comply with all applicable laws relating to its use of the Services. The Client cannot use the Services for, or in connection with, any illegal purpose including but not limited to money laundering, fraud or the funding of terrorist activities.
6.2. The Client must not use any of the Services for any speculative purpose.
6.3. The Client will be liable to ArcaPay for all direct and indirect losses incurred relating to any prohibited use of Services by the Client and its representatives.
7. Fees & Charges
7.1. The standard Payment fees for ArcaPay’s Services are set out in the Fee Table below. Applicable fee(s) will always be displayed on ArcaPay’s Website before confirming a new Payment.
Fee (GBP equivalent)
Payment with currency exchange
Payment without currency exchange (same currency transfer)
OUR Type Payment*
*OUR charges allowed only for Payments if beneficiary account is held with a payment service provider outside the European Economic Area member states.
If the Client initiates OUR Type Payment without currency exchange, both same currency transfer and OUR Type Payment fees apply.
8.2. ArcaPay is regulated under the Data Protection Act 2018, UK’s implementation of the the General Data Protection Regulation (EU) 2016/679 (GDPR) for the processing of information relating to individuals and businesses.
9.1. It is the Client’s responsibility to take all reasonable steps and keep safe any password or any other means of Authentication that may be used for access to the Client’s Account (e.g., the Client shall have no right to transfer them to another person; the Client shall undertake to keep them in secret, not to write them down on paper or on other items). Additional products or services the Client uses may have additional security requirements and the Client shall have an obligation to familiarise with those as notified.
9.2. It is the Clients responsibility to take all necessary and reasonable steps to ensure that a computer, software, or other equipment used to access the Client’s Account is protected from viruses and (or) other unauthorised intrusion.
9.3. The Client must contact ArcaPay without undue delay if the Client has any indication or suspicions that login details, password or other security features used for access to the Client’s Account have been lost, stolen, used without authorisation or otherwise compromised. The Client shall be liable for any losses as a result of undue delay in notification.
9.4. ArcaPay may suspend the Client’s Account or otherwise restrict its functionality on reasonable grounds relating to the security of the Account or any of its security features or if ArcaPay reasonably suspects that an unauthorized or fraudulent use of the Client’s Account has occurred or that any of its security features have been comprised. ArcaPay without undue delay will notify the Client of any imposed suspension or restriction of the Client’s Account.
10. Intellectual Property
10.1. The Website and the Service, the content, and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, trademarks and service marks) are owned by ArcaPay Group Companies or third parties. All rights, title and interest in and to the Website and the Service shall remain our property and/or the property of such other third parties.
10.2. The Website and the Services may be used only for the purposes permitted by these Terms and Conditions or described on the Website.
11.1. The Client must regularly, at least once a month, check the information about executed Payment(s) which is available in the Dashboard.
11.2. The Client must notify ArcaPay in writing, or email, of unauthorised or incorrectly executed Payment(s) as well as of any other mistakes, inconsistencies or irregularities in relation to executed Payment(s). The notification must be submitted immediately after becoming aware of the circumstances mentioned in this paragraph and in any case no later than within thirteen (13) months as of the day of executing such Payment(s).
11.3. If the Client fails to give the notification at the time indicated in clause 11.2, it shall be deemed that the Client has unconditionally agreed with the Payment Transaction.
11.4. Where the Client denies having authorised an executed Payment Transaction or claims that the Payment Transaction was not correctly executed, it is for ArcaPay to prove that the Payment Transaction was Authenticated, accurately recorded, entered in the accounts and not affected by a technical breakdown or some other deficiency of the service provided by the ArcaPay.
11.5. ArcaPay shall be liable for non-executed or improperly executed, unauthorised Payment(s) if the Payment(s) have not been executed or improperly executed due to ArcaPay’s fault, as well as if ArcaPay has executed non-authorised Payment(s). In this case, ArcaPay shall immediately return the funds of Payment to the Client’s payment account no later than within one Business Day, unless ArcaPay has any suspicions that the Client acted fraudulently.
11.6. ArcaPay shall be liable only for direct losses related to an unexecuted, improperly executed or unauthorised Payment(s), not including consequential losses.
11.7. The Clients shall be liable for all losses incurred by ArcaPay due to provided incorrect information or failure to fulfil obligations specified in these Terms and Conditions.
11.8. The Client may be held liable for losses incurred due to unauthorised Payment(s) in an amount of EUR 50 (fifty) where such losses are incurred due to the use of a lost or illegally acquired security data to access the Client’s Account.
11.9. The Client shall be held liable for all losses incurred due to unauthorised Payment(s) if the Client has sustained them as a result of acting unlawfully or having failed, has intentionally or through gross negligence, to take actions to protect the personalised security data to access the Client’s Account and (or) fulfil one or several duties established in clauses 9.1-9.3 . In these cases the limitation of maximum loss amount set in clause 11.7 shall not be applicable.
11.10. The Client shall not incur any losses if:
11.10.1. before execution of a Payment the Client could not have detected any loss, theft, illegal acquisition of the security data to access the Client’s Account, except if the Client has acted unfairly;
11.10.2. unauthorised Payment has taken place as a result of ArcaPay’s fault.
11.10.3. Payment has taken place after the Client has notified ArcaPay about the lost or illegally acquired security data to access the Client’s Account as referred to in the clause 11.8.
11.11. ArcaPay shall not be liable to the Client for any delay or non-performance of its obligations arising from any cause or causes beyond its control, including but not limited to the following: war, fire, flood, explosion, banking system failures, communications systems failure, industrial action by a third party or other force majeure circumstance.
11.12. ArcaPay has the right to suspend the provision of Services with immediate effect if ArcaPay reasonably believes or becomes aware that: (a) the Client has become or is likely to become insolvent, (b) the Client is in breach of the Terms and Conditions, (c) the Client uses Services in connection with fraudulent, illegal or otherwise prohibited activity, or the Client permits third party to do so, (d) in the cases established by laws or any other legal acts of the United Kingdom.
11.13. ArcaPay may accept Payment orders including currency conversion at the weekend, or other times when the spot foreign exchange markets are closed. Prices quoted will be based on the last trading price prior to the market closing, and in the unusual event that the price has moved significantly when the market opens, ArcaPay will be entitled to treat such Payment Transaction void.
11.14. Neither these Terms and Conditions nor any Payment Transaction carried out under them shall confer contractual or other rights on, or be enforceable against ArcaPay by, any party other than the Client.
11.15. Neither Party will be held liable for any loss or failure to perform its obligations under these Terms and Conditions due to circumstances beyond its reasonable control and which such Party could not anticipate by means of contingency planning or any other prudent business means (a “Force Majeure Event”). The relevant Party shall notify in writing the occurrence of the Force Majeure Event within 24 hours from the commencement of the Force Majeure Event, and shall include details of the Force Majeure Event, expected duration and remedial actions being taken to minimise the impact. Each Party shall use all reasonable endeavours to continue to perform, or resume performance of, such obligations. If the said circumstances prevail for a continuous period of ninety (90) days or more, then either Party shall be entitled to terminate the business relationship immediately upon giving a written notice to the other Party but without prejudice to either Party’s rights in respect of all its prior obligations hereunder not affected by the Force Majeure Event. Payment Transaction fees for only those Services actually performed during the Force Major Event, if any, will be invoiced.
12. Notice and Communications
12.1. The Client agrees and consents to electronic receipt of all communications that ArcaPay provides in connection with the Services. ArcaPay will provide communications to the Client by making them available on the Dashboard page or by emailing them to the Client at the primary email address listed in the Client’s Account. Notices provided to the Client are deemed have been received by the Client on the next Business Day after making them available on the Dashboard or by emailing them to the Client’s email address.
12.2. It is the responsibility of the Client to review received notices and to promptly report any questions, apparent errors, or unauthorised Payment Transactions. Failure to contact ArcaPay in a timely manner may result in loss of funds or important rights.
12.3. Any time during the period of validity of these Terms and Conditions the Client may request ArcaPay to provide it with a copy of the Terms and Conditions in durable medium (PDF format). The copy of these Terms and Conditions is also available once logged on ArcaPay’s Website.
12.4. The Client’s notifications to ArcaPay shall be delivered by emailing them to [email protected].
12.5. The Client may contact ArcaPay via following communication channels:
E-mail address: [email protected]
Telephone number: +44 333 090 7685. (Client support working hours 07:00 – 15:00 )
13.1. ArcaPay values all Clients and takes its obligations seriously. In accordance with ArcaPay complaints procedure, any complaint the Client makes relating to the Services must be made in writing by emailing to [email protected]. Within 1 Business day ArcaPay will send the Client a written acknowledgment and contact the Client further should any additional information be required. ArcaPay will investigate the Client’s complaint and use reasonable endeavours to come back to the Client by email with the results within 15 working days after receipt of your complaint. In exceptional circumstances, where ArcaPay is unable to issue the final response within 15 Business Days from receipt of the complaint, ArcaPay will issue a final response to the Client within 35 days; in those cases, ArcaPay will present a compelling rationale for not resolving a complaint within a 15 Business Days timeframe.
13.2. If the Client is not satisfied with the way ArcaPay has dealt with the complaint, it has a right to refer to the court in accordance with the procedure established by law.
13.3. If the Client is not satisfied with the way ArcaPay has dealt with the Client can refer to the Financial Ombudsman Service , which offers an independent review service. Details are:
14. Changes to the Terms and Conditions
14.1. These Terms and Conditions may change from time to time (e.g., to comply with changes in the law or regulatory requirements or due to changes in market conditions). The changes to the Terms and Conditions may be made by ArcaPay unilaterally. The Client does not have the right to change the Terms and Conditions unilaterally.
14.2. Any changes made to the Terms and Conditions will become effective 60 (sixty) calendar days from the date they are first emailed to the Client. The Client, before the day of entry into force of the proposed amendment, may reject them. If the Client notifies that the changes to the Terms and Conditions are not acceptable, such notification shall be deemed to be a notice of termination of the Terms and Conditions, and the Terms and Conditions will be terminated on the date the relevant changes are to take effect. If before the day of entry into force of the proposed amendment the Client gives no notification to ArcaPay of disagreement with such amendments, it shall be deemed that the Client agrees with such amendments.
14.3. Where an amendment to the Terms and Conditions relates to the addition of a new service, extra functionality to the existing Services, a reduction in the cost of the Services or any other change which neither reduces the Client’s rights nor increases the Client’s responsibilities, the amendment will take effect on next Business Day after the date of their publication or on the effective date specified in the notice.
15. Validity of the Contract and its Termination
15.1. The Terms and Conditions are concluded for an indefinite period of time.
15.2. The Client may terminate the business relationship on 30 (thirty) calendar days’ written notice. The Terms and Conditions are considered to be terminated by the Client also in case the Client does not agree to the changes to the Terms and Conditions as specified in clause 14.2 above.
15.3. ArcaPay may terminate the provision of the services on 60 (sixty) calendar days written notice.
15.4. In case the Client does not use any services of ArcaPay for a period longer than 1 (one) calendar year, the business relationship is considered terminated and ArcaPay deactivate the Client Account. Where ArcaPay accepts any instructions for services from the Client after the 1 (one) year period has passed, the business relationship shall be considered to be automatically renewed.
16. Governing Law and Language
16.1. These Terms and Conditions shall be governed and construed in accordance with the Law of England and Wales and the parties hereto agree that any dispute pursuant to these Terms and Conditions shall be determined by the courts of England and Wales unless mutually agreed otherwise by the Client and ArcaPay.
16.2. All communications between the Client and ArcaPay shall be made in the English language.
17.1. The information, material, advices, suggestions, illustrations, notifications, and circulars displayed on ArcaPay’s website are collectively called "the contents" on this website. ArcaPay reserves its right to alter any part of the said contents, at its sole discretion, any time, as and when required. The contents of this website shall not be displayed or printed in any form, either in part or in whole, without the prior written approval of ArcaPay.
17.2. Any external links to third-party websites on ArcaPay’s website are provided as a convenience to the Client. These sites are not controlled by ArcaPay in any way and ArcaPay is not responsible for the accuracy, completeness, legality or any other aspect of these other sites including any content provided on them. The Client may access such websites at its own risk.