Terms of Service
Last updated: June 4, 2026
1. Overview
PayShards (“PayShards,” “we,” “us”) is operated by PayShards LLC and provides a prepaid digital credits service. Users purchase digital credits (“shards”) and may redeem them for digital goods and services across our own network of websites and applications, which we own and operate (the “PayShards Network” or “our sites”). These Terms govern your use of PayShards.
2. Accounts
You must be at least 18 years old to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to provide accurate information and to keep it current.
3. Shards
Shards are prepaid digital credits redeemable only for digital goods and services on our sites. Shards are not money, legal tender, currency, or a financial instrument. They carry no cash value, cannot be exchanged for cash, and cannot be transferred between users except as expressly permitted by us. Shards do not accrue interest. The current rate is 100 shards = $1.00 USD; we may adjust pricing prospectively.
4. Purchases and payment
Shard purchases are processed by our payment processor. By purchasing, you authorize the applicable charge. You represent that you are authorized to use the payment method provided.
5. Refunds
Unused shards may be refunded within 30 days of purchase, subject to our review and to payment-processor and anti-fraud requirements. Shards that have already been spent on our sites are non-refundable, except as provided by the refund policy applicable to that purchase. We may decline or reverse refunds in cases of suspected fraud or abuse.
6. Our sites
Shards are redeemable only on sites that we own and operate as part of the PayShards Network. The goods, services, and content available on our sites are provided by PayShards LLC or its affiliates. Individual sites may have additional terms governing their specific offerings; where they do, those terms apply in addition to these Terms.
7. Prohibited conduct
You agree not to use PayShards in violation of our Acceptable Use Policy, for any unlawful purpose, to facilitate fraud or money laundering, to circumvent these Terms, or to disrupt the platform’s operation.
8. Suspension and termination
We may suspend or terminate your account, withhold or reverse credits, and refuse service at our discretion, including for suspected fraud, chargeback abuse, or violation of these Terms or our Acceptable Use Policy. Upon termination for cause, unspent shards may be forfeited.
9. Disclaimers
PayShards is provided “as is” and “as available,” without warranties of any kind to the maximum extent permitted by law. We do not warrant uninterrupted or error-free operation.
10. Limitation of liability
To the maximum extent permitted by law, PayShards’ total liability arising out of or relating to these Terms or your use of the platform will not exceed the amount you paid us in the 3 months preceding the claim. We are not liable for indirect, incidental, consequential, or punitive damages.
11. Indemnification
You agree to indemnify and hold PayShards LLC harmless from claims arising out of your use of the platform or your violation of these Terms.
12. Changes
We may update these Terms; material changes will be posted with a revised “Last updated” date. Continued use constitutes acceptance.
13. Governing law
These Terms are governed by the laws of the State of Indiana, United States, without regard to conflict-of-law principles.