Terms of Service

Last updated: May 17, 2026

These Terms govern your access to howtopay.net, the HowToPay Token (HTP) ecosystem, and related services operated by Confidia Limited.

1. Acceptance

By using our platform, you agree to these Terms. If you do not agree, do not use our services.

2. Eligibility

You must be at least 18 years old. Use may be restricted in certain jurisdictions. Compliance with local laws is your responsibility.

3. Services

HTP is a digital payments ecosystem token. We provide information and resources related to HTP. We do not offer financial, investment, or legal advice. All decisions are your own.

4. Intellectual Property

All content on howtopay.net is the property of Confidia Limited or its licensors. You may not reproduce or distribute content without written consent.

5. Prohibited Activities

You agree not to use our platform for unlawful purposes, attempt unauthorised access, interfere with site operations, or damage our systems or reputation.

6. Disclaimers

Our platform is provided "as is" without warranties. We do not guarantee uninterrupted or error-free access. Cryptocurrency investments carry inherent risk.

7. Limitation of Liability

Confidia Limited shall not be liable for any indirect or consequential damages arising from your use of our platform or HTP tokens, to the fullest extent permitted by law.

8. Indemnification

You agree to indemnify Confidia Limited from claims arising from your violation of these Terms or applicable laws.

9. Changes

We may modify these Terms. Material changes will be posted here. Continued use after changes constitutes acceptance.

10. Governing Law

These Terms are governed by the laws of NSW, Australia. Disputes shall be resolved in Sydney.