Pandora Pay Terms and Conditions
These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User,” “Customer,” “Platform Partner,” “Operator,” “Brand,” or “you”) and Pandora Pay (“Pandora Pay,” “Company,” “we,” “us,” or “our”) governing your access to and use of the Pandora Pay website, applications, dashboards, wallet services, payout tools, APIs, support services, and all related technology infrastructure (collectively, the “Platform”).
By creating an account, accessing the Platform, funding a wallet, initiating a transaction, using any Operator integration, or otherwise using any portion of the Platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms, our Privacy Policy, our AML/KYC Policy, and any Operator-specific rules, promotional rules, or Platform Partner agreements incorporated by reference.
1. Platform Purpose and Role
Pandora Pay is a digital payments and payout facilitation platform designed to support lawful high-risk commerce categories, including sweepstakes promotions, skill-based entertainment, rewards ecosystems, promotional prize fulfillment, and other approved Platform Partner use cases. Pandora Pay serves as a transaction orchestration and wallet infrastructure layer that enables Users to fund balances, receive promotional credits, transfer eligible funds, and redeem approved winnings or payouts through authorized Platform Partners.
Pandora Pay is not a bank, money transmitter where exempted by law, casino operator, gaming operator, or depository institution. Any funds displayed within the Platform represent ledger balances maintained through our approved banking, processing, settlement, and payout partners.
Pandora Pay does not own, operate, control, or guarantee the legality, fairness, licensing, or compliance status of any third-party sweepstakes, skill-based game, or promotional offering made available by Platform Partners.
2. Eligibility and Jurisdiction Restrictions
To use Pandora Pay, you must be at least eighteen (18) years old or the age of legal majority in your jurisdiction, whichever is greater, and must have the legal authority to enter into a binding agreement.
You may not use the Platform if:
your jurisdiction prohibits the relevant promotional or sweepstakes activity,
you are located in a restricted state or territory,
you are listed on OFAC, sanctions, terrorist financing, or government watchlists,
your use would violate local, state, federal, or international law,
Pandora Pay determines your activity creates legal, regulatory, reputational, fraud, or processor risk.
Pandora Pay reserves the right to block, restrict, suspend, or terminate access based on geolocation controls, IP intelligence, device intelligence, payment risk data, or compliance requirements.
3. Account Registration and Identity Verification
You agree to provide complete, accurate, and continuously updated information during registration and throughout your use of the Platform.
Pandora Pay may require collection and verification of:
your legal name, residential address, date of birth, phone number, email address, device data, payment instrument ownership, and government-issued identification.
For withdrawals, prize redemptions, settlement requests, or risk escalations, Pandora Pay may require enhanced verification, including:
front and back government ID
selfie or liveness verification
facial match confirmation
proof of address
source of funds documentation
business KYB documents
tax identification details
bank ownership verification
proof of operator authorization
Failure to satisfy identity verification requirements may result in transaction delays, reserve holds, account freezes, or permanent closure.
4. Digital Art Purchases, Ownership, and Promotional Benefits
Pandora Pay may enable Users to purchase digital art, collectible digital media, branded artwork, limited-edition creative assets, or other digital goods offered directly by Pandora Pay or by authorized Platform Partners through the Platform.
All purchases made through the Platform are purchases of the underlying digital art or digital collectible product itself, and not purchases of sweepstakes entries, promotional rewards, gameplay outcomes, or cash prizes.
Where permitted by law and under the rules of a specific promotion, a qualifying digital art purchase may include complimentary promotional credits, sweepstakes entries, social play tokens, or reward balances as a separate promotional benefit. These promotional benefits are provided independently of the value of the purchased digital art and are offered solely as a marketing promotion or sweepstakes enhancement where legally allowed.
The price paid by the User is solely attributable to the digital art, collectible media, or associated digital content rights described at the point of sale. The receipt of any complimentary promotional credits, free entries, or reward benefits does not increase the purchase price, alter the nature of the underlying product sale, or create any guarantee of prize eligibility, winnings, or redeemable value.
Pandora Pay makes no guarantee regarding the future availability, appreciation, resale value, or marketability of any digital art purchased through the Platform.
Unless otherwise expressly stated, all digital art purchases are final and non-refundable once delivered to the User’s account, except where refund rights are required by applicable law, fraud is substantiated, or delivery failure occurs.
Users acknowledge that digital art products may be licensed for personal use only and may not include any commercial reproduction, resale, sublicensing, minting, redistribution, or derivative rights unless expressly granted in writing.
5. Wallet Funding, Promotional Credits, and Redemption
Pandora Pay may display multiple balance types, including wallet funds, promotional credits, rewards balances, pending settlements, operator reserve balances, and redemption-eligible winnings.
Not all balances are cash-equivalent.
Promotional credits, free-play balances, sweepstakes entries, and operator-issued bonuses:
may have no cash value until validly converted under applicable promotional rules,
may be subject to wagering, playthrough, operator validation, or anti-abuse controls,
may expire,
may be revoked if issued in error,
may be voided if fraud, collusion, or abuse is detected.
Redemptions are subject to:
identity verification, ownership checks, transaction review, processor availability, fraud screening, and Operator approval where required.
Pandora Pay reserves sole discretion to delay or deny redemption requests where suspicious activity, velocity anomalies, synthetic identity risk, device mismatches, or third-party payment method usage is detected.
6. Platform Partner and Sweepstakes Operator Responsibilities
Each Platform Partner or Operator using Pandora Pay remains solely responsible for:
maintaining lawful sweepstakes structures
publishing official rules
disclosing free alternative methods of entry where required
maintaining jurisdictional compliance
customer service for gameplay disputes
prize fulfillment obligations
tax reporting required by law
chargeback liability
fraud monitoring at the operator level
game fairness and promotional disclosures
Pandora Pay acts only as the payments and wallet infrastructure facilitator and does not assume responsibility for gameplay outcomes, game mathematics, sweepstakes odds, prize decisions, or Operator promotional structures.
7. Fees, Processing Costs, and Settlement Holds
Pandora Pay may assess fees for wallet loads, redemptions, payouts, chargebacks, disputes, settlements, reserve administration, failed withdrawals, expedited payouts, cross-border processing, and Platform Partner onboarding.
Applicable fees may be disclosed:
in dashboard fee schedules
Platform Partner agreements
Operator agreements
payout settings
processor-specific terms
To protect the Platform ecosystem, Pandora Pay may impose:
rolling reserves, delayed settlements, minimum redemption thresholds, maximum payout caps, daily velocity limits, transaction cooling periods, and enhanced review thresholds.
Large or unusual withdrawals may be subject to manual review for up to 180 days where fraud, AML, processor, or legal review is required.
8. Prohibited Uses
You may not use Pandora Pay for fraud, collusion, synthetic identity activity, payment laundering, sanctions evasion, money mule activity, prohibited gaming structures, illegal gambling, deceptive chargeback behavior, abusive refund activity, third-party funding, stolen payment credentials, false sweepstakes operations, unauthorized merchant processing, or any activity Pandora Pay reasonably determines to be abusive or unlawful.
The use of VPNs, proxies, spoofed devices, emulators, synthetic documents, bot automation, scripted wallet creation, duplicate accounts, or coordinated redemption abuse is strictly prohibited.
Any such conduct may result in forfeiture of balances, permanent bans, legal reporting, processor blacklisting, and regulatory escalation.
9. Suspensions, Reserves, and Forfeiture Rights
Pandora Pay may suspend, restrict, freeze, reserve, or terminate any account immediately and without prior notice if we reasonably suspect:
fraud, AML risk, sanctions exposure, excessive chargebacks, payout abuse, jurisdictional violations, operator misconduct, processor violations, account takeover, or suspicious device activity.
During any investigation, Pandora Pay may:
place holds on balances
reverse pending payouts
delay settlements
require additional documentation
move balances into reserve status
offset losses against future settlements
permanently forfeit fraudulent or promotional balances
Where legally required, frozen balances may be held until law enforcement, regulators, banking partners, or dispute windows are resolved.
10. Disputes, Chargebacks, and Liability Allocation
Users must first attempt to resolve gameplay, prize, or promotional disputes directly with the applicable Platform Partner or Operator.
Pandora Pay may intervene only for payment rail disputes, unauthorized transaction claims, processor reversals, fraud review, or Platform-level compliance violations.
Platform Partners remain financially responsible for:
chargebacks, retrieval requests, processor penalties, fraud losses, promotional abuse, and dispute-related reversals tied to their activity.
Pandora Pay may debit reserve balances, settlement balances, or future payouts to offset such liabilities.
11. Taxes and Reporting
Users and Platform Partners are solely responsible for determining, reporting, and remitting any taxes, duties, gaming-related reporting, income reporting, or business revenue obligations arising from use of the Platform.
Pandora Pay may issue tax forms, including 1099-K, 1099-MISC, or other reporting forms, where required by law.
12. Intellectual Property and Platform Access
All software, dashboards, workflows, APIs, wallet logic, routing systems, risk models, branding, visual interfaces, and related technology remain the exclusive intellectual property of Pandora Pay and its licensors.
No User or Platform Partner may reverse engineer, scrape, duplicate, white-label, or replicate the Platform without written authorization.
API access may be revoked immediately if it creates security, fraud, or processor exposure.
13. Limitation of Liability
To the fullest extent permitted by law, Pandora Pay shall not be liable for indirect, incidental, punitive, special, exemplary, or consequential damages, including lost profits, lost promotional winnings, lost business, processor downtime, delayed withdrawals, or interrupted gameplay access.
Pandora Pay’s aggregate liability shall not exceed the total fees paid by the claimant to Pandora Pay in the ninety (90) days preceding the event giving rise to the claim.
14. Arbitration and Class Action Waiver
Any dispute, claim, or controversy arising from these Terms, your use of Pandora Pay, wallet balances, Operator transactions, redemptions, or Platform Partner services shall be resolved exclusively by binding arbitration in Brevard County, Florida, under the rules of the American Arbitration Association.
You waive any right to:
jury trial
class action
mass arbitration
representative action
private attorney general claims
All claims must be brought solely on an individual basis.
15. Amendments
Pandora Pay may amend these Terms at any time to reflect legal, regulatory, processor, operational, or product changes.
Continued use of the Platform after updated Terms are posted constitutes acceptance of those changes.
16. Contact Information
Pandora Pay
Support: [email protected]
Website: pandorapay.app
Support Hours: Monday–Friday, 9:00 AM–5:00 PM EST