Terms of Service
Last Updated: July 3, 2026
PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY ACCESSING OR USING THE DANIEL GLOBAL WEBSITE, THE DANIELPAY MOBILE APPLICATION, OR THE DANIELAPI, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, DO NOT USE OUR SERVICES.
These Terms of Service (“Terms”) constitute a legally binding agreement between you (“you” or “your”) and Daniel Global, Inc. (“Daniel,” “we,” “us,” or “our”), a company incorporated in the United States with its principal place of business at 2323 N. Akard Street, Suite 1401, Dallas, Texas 75201, United States.
These Terms govern your access to and use of:
- Our website located at www.daniel.global (the “Website”);
- The DanielPay mobile applications for Android and iOS (the “DanielPay App”); and
- The DanielAPI, our application programming interface services (the “DanielAPI”).
Collectively, the Website, DanielPay App, and DanielAPI are referred to as the “Services.”
1. Acceptance of Terms
2. Description of Services
2.1 Website
The Website provides information about Daniel Global, our company mission, and our product offerings, including the DanielPay platform and DanielAPI. The Website is informational in nature. You cannot purchase any products or contract for services directly through the Website. The informational website alone does not create a customer relationship or financial services agreement.
2.2 DanielPay App
DanielPay is a white-label payment application that provides technology infrastructure for payment initiation, routing, compliance orchestration, and transaction processing. The DanielPay App provides:
- Branded payment capabilities with a mobile-first user experience;
- Identity verification (KYC) and compliance screening;
- Payment initiation, routing, and settlement orchestration; and
- Real-time transaction visibility and operational dashboards.
Certain regulated financial services, including custody, foreign exchange, money transmission, settlement, and fiat conversion, may be performed by licensed financial institutions or other regulated third-party partners under separate agreements. Daniel does not act as a money transmitter, payment processor, settlement institution, or custodian.
2.3 DanielAPI
DanielAPI provides modular APIs for transaction origination, routing, and global payment infrastructure integration. Through DanielAPI, you may access:
- Payment routing and FX/currency conversion services;
- Regulatory compliance controls (KYC, AML, sanctions screening);
- Settlement and clearing capabilities; and
- Transaction telemetry and audit trails.
Use of DanielAPI is subject to additional API-specific terms set forth in Section 10 below.
3. Eligibility
You must be at least 18 years of age to use our Services. By using the Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.
Our Services are not directed to individuals under 18. We do not knowingly collect personal information from children under 18.
4. Restricted Jurisdictions
Services may not be available in all countries or jurisdictions. Daniel may refuse, suspend, or terminate access where required by sanctions laws, export control laws, licensing restrictions, or local regulations.
You are responsible for determining whether your use of the Services is permitted under applicable laws in your jurisdiction.
5. Account Creation and Security
Certain features of our Services may require you to create an account. You are responsible for:
- Maintaining the confidentiality of your account credentials;
- All activities that occur under your account;
- Notifying us immediately of any unauthorized access to or use of your account; and
- Ensuring that your use of the Services does not violate any applicable laws.
We reserve the right to disable or suspend any user account at any time in our sole discretion, including but not limited to circumstances involving suspicious activity, suspected fraud, sanctions concerns, law enforcement requests, regulatory investigations, excessive chargebacks, or API abuse.
6. Acceptable Use
You agree not to:
- Use the Services for any unlawful purpose or in violation of any applicable U.S. federal or state laws;
- Attempt to gain unauthorized access to any part of the Services or any systems or networks connected to the Services;
- Interfere with or disrupt the integrity or performance of the Services;
- Use the Services to transmit any viruses, malware, or other harmful code;
- Scrape, crawl, or use automated means to access the Services without our prior written permission;
- Impersonate any person or entity or misrepresent your affiliation with any person or entity;
- Use the Services in any manner that could damage, disable, overburden, or impair our systems;
- Share API credentials with unauthorized parties;
- Reverse engineer, decompile, or disassemble any part of the Services;
- Conduct benchmarking or competitive analysis of the Services without our prior written consent; or
- Perform security testing or vulnerability assessments without our prior written authorization.
7. Compliance and Regulatory Obligations
Daniel utilizes risk-based compliance controls, including identity verification, sanctions screening, transaction monitoring, fraud prevention, and other regulatory controls. You acknowledge and agree that:
- Daniel may delay, reject, freeze, cancel, or report any transaction where required by applicable anti-money laundering (AML), counter-terrorist financing (CTF), sanctions, fraud prevention, Travel Rule, or other regulatory obligations;
- Daniel may conduct ongoing due diligence and enhanced due diligence on users and transactions as required by law or internal risk policies;
- Completion of compliance checks does not guarantee that any transaction will be approved or completed; and
- Daniel may share information with regulators, law enforcement, or financial partners as required by applicable law.
Daniel reserves the right to refuse service to any person or entity at any time in its sole discretion.
8. Intellectual Property
All content on the Website, including but not limited to text, graphics, logos, images, and software, is the property of Daniel Global, Inc. or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.
You may view, download, and print pages from the Website for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any content from the Services without our prior written consent.
The names “Daniel,” “Daniel Global,” “DanielPay,” and “DanielAPI” are trademarks of Daniel Global, Inc. You may not use these marks without our prior written permission.
9. Export Controls
10. SMS Communications and Consent
10.1 Opt-In Consent
When you provide your phone number and check the consent box within the DanielPay App, you explicitly consent to receive one-time passcodes (OTP) via SMS for account verification and authentication purposes. These messages are transactional and are not marketing-related.
You understand that by providing your phone number:
- You authorize DanielPay to send a one-time passcode to your provided number for verification purposes;
- Standard message and data rates may apply. Please contact your wireless carrier for details; and
- Message frequency is on an as-needed basis when you request a verification code.
10.2 Opt-Out
You may opt out of receiving SMS messages at any time by replying “STOP” to any SMS message you receive. For assistance, reply “HELP” or contact us at DPO@daniel.global.
10.3 Privacy
We do not share your opt-in data with third parties except as necessary to provide the verification service, to comply with legal obligations, or with third parties contractually required to protect your information and use it only for the purposes we specify.
11. Privacy Policy
Your use of the Services is also governed by our Privacy Policy, available at https://daniel.global/compliance/. The Privacy Policy describes how we collect, use, disclose, and protect your personal information, including compliance with applicable data privacy laws such as the California Consumer Privacy Act (CCPA/CPRA), other applicable U.S. state privacy laws, the General Data Protection Regulation (GDPR), and the UK GDPR where applicable.
12. DanielAPI Additional Terms
12.1 API License
Subject to your compliance with these Terms, we grant you a non-exclusive, non-transferable, revocable license to access and use the DanielAPI solely for your internal business purposes or for integration with your applications.
12.2 API Access and Security
You are responsible for:
- Maintaining the security of any API keys, tokens, or credentials provided to you;
- Implementing appropriate security measures to protect data transmitted through the API;
- Ensuring that your use of the API does not exceed any rate limits imposed by us; and
- Not sharing API credentials with any unauthorized third party.
12.3 API Restrictions
You may not:
- Use the API to conduct benchmarking or competitive analysis;
- Reverse engineer, decompile, or disassemble the API;
- Send abusive or excessive traffic that disrupts the API;
- Scrape or extract data from the API for purposes unrelated to your authorized use; or
- Perform security testing of the API without our prior written permission.
12.4 API Service Level
We provide the DanielAPI on an “as-is” basis. We make no guarantees regarding API availability or uptime. We reserve the right to modify, suspend, or discontinue the API at any time without prior notice.
12.5 API Compliance
Use of DanielAPI is subject to compliance with applicable laws, including but not limited to anti-money laundering (AML) laws, sanctions screening requirements (OFAC), and data privacy regulations.
13. Digital Assets and Blockchain Risks
13.1 Digital Asset Disclaimer
Stablecoins and digital assets are subject to technological, operational, regulatory, and market risks. Daniel makes no representation regarding the future availability, value, or regulatory treatment of any digital asset.
Digital asset values may fluctuate significantly. Blockchain networks can experience failures, congestion, or security incidents. Transactions on distributed ledgers may be irreversible once confirmed, and Daniel cannot reverse or recover transactions after settlement on a distributed ledger.
13.2 Blockchain Finality
Transactions on blockchain networks may be irreversible once confirmed. Daniel cannot reverse or recover transactions after settlement on a distributed ledger. You bear all risks associated with blockchain transactions, including but not limited to the risk of loss due to incorrect addresses, network failures, or smart contract vulnerabilities.
13.3 No Guarantee
Daniel makes no guarantees regarding the availability, security, or performance of any blockchain network or digital asset infrastructure.
14. Third-Party Services
Our Services may include links to third-party websites, apps, or services. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party services. Your interactions with third-party services are governed by the terms and policies of those third parties.
Certain regulated financial services may be performed by licensed financial institutions or other regulated third-party partners under separate agreements. Daniel is not responsible for the performance, availability, or compliance of such third-party services.
15. Financial Advice Disclaimer
Daniel does not provide legal advice, tax advice, investment advice, accounting advice, financial planning advice, or any other professional advice. You should consult with qualified professionals regarding your specific circumstances.
16. Disclaimer of Warranties
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT:
- THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE;
- ANY DEFECTS IN THE SERVICES WILL BE CORRECTED;
- THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS;
- BLOCKCHAIN NETWORKS OR THIRD-PARTY SERVICES WILL FUNCTION WITHOUT INTERRUPTION; OR
- ANY TRANSACTION WILL BE APPROVED OR COMPLETED.
17. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL DANIEL GLOBAL, INC., ITS DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00).
18. Indemnification
You agree to indemnify, defend, and hold harmless Daniel Global, Inc., its directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or in connection with:
- Your use of the Services;
- Your violation of these Terms;
- Your violation of any applicable law or regulation;
- Your infringement of any rights of any third party; or
- Your use of blockchain networks or digital assets.
19. Force Majeure
Daniel shall not be liable for any delays, failures, or interruptions caused by events beyond its reasonable control, including but not limited to:
- Internet outages or telecommunications failures;
- Blockchain network congestion, failures, or security incidents;
- Banking or financial system outages, including SWIFT or other payment network disruptions;
- Cloud provider failures or data center outages;
- War, terrorism, or civil unrest;
- Cyber attacks, ransomware, or other malicious acts;
- Government actions, regulatory changes, or legal restrictions;
- Natural disasters, pandemics, or public health emergencies; and
- Labor disputes or strikes.
20. Termination
We reserve the right, in our sole discretion, to terminate or suspend your access to all or part of the Services at any time, with or without notice, for any reason, including but not limited to:
- Violation of these Terms;
- Conduct that we believe is harmful to other users, us, or third parties;
- Suspicious activity, fraud, or sanctions concerns;
- Law enforcement or regulatory requests;
- As required by law or regulation; or
- Excessive chargebacks or API abuse.
Upon termination, all rights granted to you under these Terms shall immediately cease.
21. Changes to These Terms
22. Governing Law
23. Dispute Resolution
Any dispute arising out of or relating to these Terms or the Services shall first be resolved through informal negotiation between the parties. If the dispute cannot be resolved through negotiation within thirty (30) days, the dispute shall be resolved exclusively through binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules.
You waive any right to participate in a class action or class-wide arbitration against Daniel Global, Inc.
24. Waiver and Severability
25. Assignment
26. Order of Precedence
27. Entire Agreement
28. Contact Us
If you have any questions about these Terms, please contact us at:
Email: DPO@daniel.global
Address:
Daniel Global, Inc.
2323 N. Akard Street, Suite 1401
Dallas, Texas 75201
United States