⚠️ Draft — pending legal review
This document has not yet been reviewed by counsel. It is published here for review purposes only and is not the final form of these Terms.
Last updated: May 21, 2026
These Terms of Service (the "Terms") govern your access to and use of the services provided by Zaptrain ("we," "us," or "our"), including the website at zaptrain.com, the merchant dashboard, the public REST API, the MCP integration, and any related services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, you may not use the Service.
Zaptrain is a merchant invoicing platform that enables businesses to issue Bitcoin Lightning Network invoices and receive payments. The Service generates BOLT11 invoices and tracks their payment status by communicating with a Lexe self-custodial Lightning wallet that you configure with your own credentials.
The Service is non-custodial. We do not custody, hold, control, or have access to your Bitcoin funds at any time. Funds are received directly into your Lexe-managed wallet. We store an encrypted copy of the credentials you provide solely to enable invoice generation and payment tracking on your behalf. You retain sole control of, and sole responsibility for, your funds and credentials.
You must be at least 18 years old and legally capable of entering into a binding contract to use the Service. By using the Service, you represent and warrant that you meet these requirements and that your use of the Service does not violate any law applicable to you. You may not use the Service if you are a resident of, or located in, any jurisdiction subject to comprehensive sanctions administered by the U.S. Office of Foreign Assets Control (OFAC), the European Union, the United Kingdom, or any other applicable sanctions regime.
To access most features, you must register an account. You agree to provide accurate, current, and complete information and to keep it updated. You are responsible for safeguarding your account credentials, your API keys, and your Lexe wallet credentials, and for all activity that occurs under your account. You agree to notify us promptly of any unauthorized access or use.
You agree not to use the Service to:
We reserve the right to investigate suspected violations and, in our sole discretion, to suspend or terminate accounts that we reasonably believe violate these Terms.
We may charge fees for use of the Service. Applicable fees, if any, will be disclosed within the Service before they are incurred. Bitcoin Lightning Network fees, on-chain fees, and any fees charged by Lexe or other third-party providers are your responsibility and are separate from any fees we charge.
The Service, including all software, designs, logos, text, and other content (excluding Customer Content, defined below), is owned by us or our licensors and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service in accordance with these Terms.
"Customer Content" means any data you submit to the Service, including invoice details, customer information, branding assets, and uploaded files. You retain all rights to your Customer Content and grant us a worldwide, royalty-free license to process it solely for the purpose of operating the Service for you.
The Service relies on third-party providers, including but not limited to Lexe (Lightning wallet infrastructure), Supabase (database and authentication), Vercel (hosting), and Resend (email delivery). We are not responsible for the availability, accuracy, or security of any third-party service. Your use of those services is subject to their respective terms.
Bitcoin and the Lightning Network involve material risks, including price volatility, transaction irreversibility, network congestion, wallet and key-management responsibility, regulatory uncertainty, and risk of total loss. You acknowledge that you have read and understood our Risk Disclosure and that you assume all such risks.
You may stop using the Service and delete your account at any time by contacting us. We may suspend or terminate your access at any time, with or without notice, if we reasonably believe you have violated these Terms, if required by law, or if we cease offering the Service. Upon termination, the provisions of these Terms that by their nature should survive will survive.
The following section is presented in capital letters to draw your attention.
The Service is provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, statutory, or otherwise. To the maximum extent permitted by applicable law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising out of course of dealing or usage of trade. We do not warrant that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components, or that any payment will be processed, settled, or confirmed.
To the maximum extent permitted by applicable law, in no event will we, our officers, directors, employees, agents, or affiliates be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including without limitation loss of profits, revenue, goodwill, data, or other intangible losses, arising out of or related to your use of, or inability to use, the Service, even if we have been advised of the possibility of such damages. Our total aggregate liability for any and all claims arising out of or relating to these Terms or the Service will not exceed the greater of (a) the fees you paid to us in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) one hundred U.S. dollars (US$100).
You agree to indemnify, defend, and hold harmless us and our officers, directors, employees, agents, and affiliates from any claim, demand, loss, liability, or expense (including reasonable attorneys' fees) arising out of or related to (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any law or third-party right, or (d) any Customer Content you submit.
These Terms are governed by the laws of the State of [STATE], United States, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Service that is not resolved informally within thirty (30) days will be resolved by binding arbitration administered by the American Arbitration Association in [CITY, STATE] under its Commercial Arbitration Rules, except that either party may bring an individual action in small-claims court. You and we each waive any right to a jury trial or to participate in a class action.
[Placeholders to be set by counsel based on entity formation jurisdiction.]
We may update these Terms from time to time. If we make material changes, we will notify you by email or by prominent notice in the Service before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms.
Questions about these Terms can be sent to legal@zaptrain.com.