Terms of Service
Terms of Service — conditions of use for the GuardPay protocol
By using GuardPay, you automatically accept all terms and conditions set forth in this Agreement. GuardPay is an autonomous software protocol and not a financial institution. No party, including the GuardPay team, shall have the ability to access your funds except in accordance with the conditions encoded in the smart contract.
This Agreement is entered into between GuardPay — an autonomous protocol on the TRON blockchain — and the User — any individual or entity utilizing the service.
| Term | Definition |
|---|---|
| Smart contract | An autonomous program on the TRON blockchain that executes without the intervention of third parties |
| Escrow | Conditional deposit — funds are locked until the conditions of the deal are fulfilled |
| Initiator | The party that creates the deal and deposits funds into the smart contract |
| Counterparty | The party that joins the deal and undertakes to fulfill its conditions |
| USDT TRC-20 | Tether stablecoin on the TRON blockchain, the primary currency of GuardPay |
| Deadlock | A situation in which the parties are unable to agree on the completion of a deal |
Use of GuardPay constitutes full acceptance of this Agreement at the moment of:
A deal is always created by the Initiator — the party depositing the funds. The Counterparty joins via a link.
GuardPay is governed by a smart contract and an AI arbitrator. In the event of a disagreement, either party may open a dispute: Claude AI shall interview both parties and render a verdict automatically. After 180 days of complete inactivity, funds are transferred to a charitable fund.
| Deal Amount | Fee | Example |
|---|---|---|
| Up to $50 | $2.00 flat | $30 deal, $2 fee, $32 total |
| $50 — $500 | 2.0% | $200 deal, $4 fee, $204 total |
| $500 — $5,000 | 1.0% | $1,000 deal, $10 fee, $1,010 total |
| Over $5,000 | 0.5% | $10,000 deal, $50 fee, $10,050 total |
| Cancellation | 50% of fee paid | $1,000 deal, $10 fee, $5 refunded (remaining 50% covers TRON gas) |
| KYC | Never | Anonymity guaranteed |
When creating a deal, the Initiator selects how the service fee is allocated:
| Option | Initiator Pays | Counterparty Pays |
|---|---|---|
| I pay all (default) | 100% of fee | Receives the full amount |
| 50 / 50 | 50% of fee | 50% of fee deducted from payout |
| Counterparty pays all | 0% | 100% of fee deducted from payout |
For example, a $1,000 deal with a 1% fee = $10:
• Initiator pays all: Counterparty receives $1,000
• 50/50: Counterparty receives $995, Initiator saves $5
• Counterparty pays all: Counterparty receives $990
GuardPay does not manually adjudicate disputes — that is the function of the AI arbitrator. The sole case in which technical support may intervene is the re-issuance of access upon complete loss of keys.
No less than 30 calendar days shall have elapsed since the creation of the deal.
The Counterparty shall expressly confirm consent through the official GuardPay channel. The Counterparty may decline without explanation.
Former Telegram ID, deal correspondence, cryptographic proof of ownership of the former wallet (signed message), government-issued identity document, and new wallet address.
Verification of document authenticity and the absence of fraud. The verification period is up to 30 business days.
If the private key or seed phrase is lost, cryptographic proof of ownership is impossible. The recovery procedure shall not be available. Store your seed phrase in a physically secure location.
To use GuardPay, you must meet the following requirements:
You must be at least 18 years of age or have reached the age of majority in your country of residence, whichever is greater.
You must have full legal capacity to enter into legally binding agreements.
You shall not be located in any country subject to OFAC, UN, EU, or other international sanctions regimes, nor shall you be listed on any sanctions list.
You use the service on your own behalf and for your own benefit, and not as an intermediary for third parties.
The name “GuardPay,” the logo, interface design, and trademarks are owned by GuardPay and protected by applicable law.
The source code of GuardPay smart contracts is public and available for verification via the TRON blockchain. Public availability of the code is a measure of trust and transparency, and does not constitute a license for its use in commercial projects without prior agreement.
GuardPay reserves the right to amend this Agreement. Continued use constitutes acceptance. Changes shall be published via the interface and/or the Telegram bot @Guard_Pay_Bot. Material changes require 7 days’ notice. Existing deals are governed by the terms at the time of their creation. The smart contract is independent of the interface. If any provision is found invalid, the remaining provisions continue in full force. This Agreement, together with the Privacy Policy and AML Policy, constitutes the entire agreement.