Terms of Service · Zaptrain

1. Who we are and what you are agreeing to

These Terms of Service (the "Terms") are a contract between you and Zaptrain, a sole proprietorship based in California, United States ("Zaptrain", "we", "us" or "our"). They govern your access to and use of zaptrain.com, the merchant dashboard, the hosted payment and checkout pages, the public REST API, the MCP integration for AI assistants, and any related services (together, the "Service").

By creating an account, ticking the acceptance box at signup, requesting an API key, or otherwise using the Service, you agree to these Terms, our Privacy Policy and our Risk Disclosure. If you are using the Service on behalf of a business, you represent that you have authority to bind that business, and "you" means the business. If you do not agree, do not use the Service.

2. What the Service is — and is not

Zaptrain is software that lets merchants create invoices, issue Bitcoin Lightning payment requests (BOLT11) for them and host payment pages, and tracks whether those invoices were paid. It does this by sending invoice details to a Lexe self-custodial Lightning wallet that you own and configure, using client credentials that you generate in the Lexe app.

The Service is non-custodial. Payments go directly from your customer to your Lexe wallet. We never hold, receive, control, transmit or have access to your Bitcoin. We do not act as a payment processor, money transmitter, exchange or bank, and we do not convert Bitcoin to or from any currency.

Receive-only credentials. You must connect credentials that are limited to creating payment requests and reading wallet information and payment status (the "Receiver" role in the Lexe app). You must not give Zaptrain credentials that can send payments or manage channels. Zaptrain never initiates, signs or broadcasts an outbound payment and is designed to have no ability to move funds out of your wallet. Where the Lexe app supports it, we check what a credential can do when you connect it and refuse credentials that can spend. We store an encrypted copy of the credentials you provide solely to generate Lightning payment requests and read payment status on your behalf, and you may revoke them at any time in the Lexe app or disconnect them in Settings.

Lexe is a separate company with its own terms, fees and privacy policy. Your wallet, your funds, your recovery backups and your relationship with Lexe are yours; we are not responsible for Lexe's availability, fees, channel liquidity or decisions.

3. Eligibility

You must be at least 18 years old and able to enter into a binding contract. You may not use the Service if you are located in, or ordinarily resident in, a country or region subject to comprehensive sanctions administered by the U.S. Office of Foreign Assets Control (OFAC), or if you are on any U.S., EU or UK sanctions list. The Service is offered from the United States; it is your responsibility to confirm that using it is lawful where you are.

4. Your account and security

You must give us accurate information and keep it current. You are responsible for everything that happens under your account, your API keys, any OAuth grant you approve and your Lexe credentials. Keep them secret. Tell us at support@zaptrain.com promptly if you believe any of them has been compromised, and revoke the Lexe credential in the Lexe app.

Your password decides where your money goes. The credential connected to your account determines which wallet receives your payments, and anyone who can sign in can change it. You are responsible for payments that go to the wrong wallet because someone else used your account. We email the address on your account whenever the connected wallet changes, whenever your password changes, and on every payment we record — naming the wallet it went into. Tell us immediately if you receive one you did not expect. You cannot turn these emails off.

5. Your customers

The people who pay your invoices ("payers") are your customers, not ours. You are solely responsible for the goods or services you sell, their description and price, delivery, refunds, returns, taxes, receipts, and compliance with the consumer, commercial and sanctions laws that apply to your sales. Zaptrain is not a party to any sale between you and a payer, does not mediate disputes, and does not identify, verify or screen payers or payments. Lightning payments are final; if you owe a refund, you make it yourself. You will not present Zaptrain as the seller or as a party to your transactions.

6. Fees

Platform fee. Zaptrain charges 1% of the amount of each invoice that is paid. That is the whole charge for receiving a payment through Zaptrain: Lexe's fee for receiving Lightning payments is included in it, so you are not charged separately by Lexe for payments received through Zaptrain. Nothing is charged for creating, sending or canceling invoices, and there are no monthly, setup or minimum fees. If you are enrolled in a promotional rate, the promotional rate applies until it expires, after which the standard rate applies.

How the fee is collected. The fee is deducted from each payment at the moment it is received, using Lexe's partner-fee mechanism, and the amount credited to your wallet is the invoice amount less the fee. We never invoice you separately and never take funds from your wallet.

Fees that are not ours. Lightning Network routing fees and Bitcoin on-chain fees, and any other charges Lexe may apply to your wallet outside receiving payments (for example channel or liquidity fees, or fees on payments you send — see Lexe's pricing page), are set by third parties, separate from our fee and your responsibility.

Changes and refunds. Platform fees on settled payments are non-refundable. We may change our fees on at least 30 days' notice by email or in the dashboard; a change applies only to invoices paid after it takes effect.

7. Acceptable use

You agree not to use the Service to:

engage in or facilitate any unlawful activity, including fraud, money laundering, terrorism financing or sanctions evasion;
sell goods or services that are illegal where you or the payer are located, including illicit drugs, weapons, stolen goods or child sexual abuse material;
issue invoices for goods or services you do not intend to provide, or are not authorized to provide;
misrepresent your identity, business or affiliation;
send unsolicited invoices, spam or malware, or invoice people who have not agreed to buy from you;
interfere with, disrupt, probe or circumvent the security of the Service or exceed published rate limits;
access another person's account or data without authorization;
reverse-engineer, scrape or copy the Service except as permitted by law; or
resell or sublicense access to the Service without our written consent.

We may investigate suspected violations and suspend or terminate accounts that we reasonably believe breach these Terms. We do not monitor your invoices or payments, and we do not screen payers. You are responsible for your own sanctions, anti-money-laundering and tax compliance.

8. API, MCP and integrations

We provide a REST API, webhooks and an MCP integration so that your own systems and AI assistants can create and read invoices. The following applies to them:

API keys and OAuth tokens are secrets. Anything done with your key or with an OAuth grant you approved — including actions taken by an AI assistant — is your action.
Third-party applications and AI assistants that you connect are not ours. They receive the data the API returns and are governed by their own terms and privacy policies. You can revoke their access at any time under Settings → Developer settings → Connected apps.
We may rate-limit, change or retire endpoints. We will give reasonable notice of breaking changes where practical.
The API, webhooks and MCP integration are provided "as is" and may be unavailable from time to time. A webhook is a notification we send to a URL you register (the invoice.paid event, plus a test.ping you can trigger yourself from Settings; a failed delivery is retried up to four times over about half an hour); do not rely on it as your only record of payment — the dashboard and API reflect payment status.

9. Your content and our intellectual property

"Customer Content" means the data you put into the Service: invoice details, customer names and email addresses, memos, branding and logos. You own it. You grant us a worldwide, royalty-free license to host, process, transmit and display it solely to operate the Service for you, and you confirm you have the right to give us the customer data you enter.

What you enter, and what becomes public. You are responsible for the Customer Content you put into the Service, including that you are entitled to it and that it does not infringe anyone's rights or break the law. Some of it is shown publicly: your brand name, your logo, the invoice memo and the line-item descriptions all appear on the payment page, which anyone holding the link can open. Do not enter anything there — or in the checkout session's metadata field — that you would not want a third party to read.

The Service itself — software, design, text and marks — is ours or our licensors'. We grant you a limited, non-exclusive, non-transferable, revocable license to use it under these Terms. If you send us feedback or suggestions, we may use them without obligation to you.

10. Third-party services

The Service runs on third-party providers, currently Supabase (database and authentication), Vercel (hosting), Fly.io (hosting for the component that talks to Lexe) and Resend (email). Your wallet is provided by Lexe under your own agreement with Lexe. We are not responsible for the availability, security or acts of any third party.

11. Risk acknowledgment

Bitcoin and the Lightning Network involve material risks: price volatility, irreversible payments, failed or delayed routing, your own key and backup responsibility, software bugs, and regulatory change. You confirm that you have read our Risk Disclosure and accept those risks.

12. Term, termination and your data

You can stop using the Service at any time. To delete your account, disconnect your Lexe credentials in Settings and email support@zaptrain.com; we will delete your account and profile within 30 days. Invoice, customer and fee records are kept for the period set out in the Privacy Policy, because they are tax and business records for you and for us. Before that you may retrieve your invoices through the API, or ask us for a copy of your data and we will provide it in a machine-readable format.

We may suspend or terminate your access, with notice where practical, if we reasonably believe you have breached these Terms, if the law requires it, or if we stop offering the Service (in which case we will give at least 30 days' notice where we can). Termination does not affect payments already received in your wallet — they are yours and remain in your Lexe wallet. After termination we delete your Lexe credentials immediately and the rest of your data according to the retention periods in the Privacy Policy. Sections 5, 6, 9 and 13 to 17 survive termination.

13. Disclaimer of warranties

The Service is provided "as is" and "as available". To the fullest extent permitted by law we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the Service will be uninterrupted, error-free or secure, that any invoice will be paid, or that any payment will route, settle or be reported without delay. Some jurisdictions do not allow these exclusions, in which case they apply to the extent permitted.

14. Limitation of liability

To the fullest extent permitted by law, neither party will be liable to the other for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, Bitcoin or data, arising out of or relating to the Service, even if advised of the possibility. Our total liability for all claims arising out of or relating to these Terms or the Service will not exceed the greater of (a) the platform fees you paid to us in the twelve months before the event giving rise to the claim and (b) one hundred U.S. dollars (US$100). These limits do not apply to a party's fraud, willful misconduct or gross negligence, or to liability that cannot be limited by law.

15. Indemnity

You will defend and indemnify us against claims, losses and reasonable legal costs arising from your goods or services, your invoices and payers, your Customer Content, your breach of these Terms, or your violation of law or third-party rights. We will notify you promptly of any such claim and let you control its defense, provided you do not settle it in a way that admits fault on our behalf without our consent.

16. Governing law and dispute resolution

These Terms are governed by the laws of the State of California and applicable U.S. federal law, without regard to conflict-of-laws rules.

Talk to us first. Before starting any formal dispute, email support@zaptrain.com with a description of the problem; we will try to resolve it informally within 30 days.

Arbitration. Any dispute not resolved informally will be settled by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in San Francisco, California, with hearings by video where the rules allow. The arbitrator, not a court, decides whether a dispute is subject to arbitration. Each side pays its own costs except as the AAA rules provide. Either party may instead bring an individual claim in small-claims court, and either party may seek an injunction in court to protect its intellectual property or the security of the Service. If 25 or more similar claims are filed against us by the same or coordinated counsel, they will be batched and heard in groups of up to 25, with fees payable per batch.

You and we each waive the right to a jury trial and to bring or join a class, collective or representative action.

Opt-out. You can opt out of arbitration by emailing support@zaptrain.com with the subject "Arbitration opt-out" and your account email within 30 days of first accepting these Terms. If you opt out, disputes will be heard in the state or federal courts located in San Francisco, California, and both parties consent to that venue.

17. General

Changes to the Service. We may add, change or remove features. We will not reduce the core function — creating invoices payable by Lightning into your own wallet — without at least 30 days' notice.
Changes to these Terms. We may update these Terms. For material changes we will email you or show a notice in the dashboard at least 14 days before they take effect; continuing to use the Service after that date means you accept them. The current version number appears at the top of this page.
Notices. We will notify you at the email on your account. You may notify us at support@zaptrain.com.
Assignment. You may not assign these Terms without our consent. We may assign them to a successor or to an entity that takes over the Service, and will notify you if we do.
Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control, including outages of the Bitcoin or Lightning networks or of third-party providers.
Export and sanctions. You will comply with U.S. export-control and sanctions laws in using the Service.
Entire agreement; severability; waiver. These Terms, the Privacy Policy and the Risk Disclosure are the whole agreement between us about the Service. If any provision is unenforceable, the rest remains in effect. A failure to enforce a provision is not a waiver.
Relationship. We are independent contractors. Nothing here creates a partnership, agency, fiduciary or employment relationship.

18. Contact

Questions about these Terms: support@zaptrain.com, or use the support form.