Terms and Conditions
Last updated: July 17, 2026
These terms govern the use of the cifraspend.com website. By accessing the site, you agree to these terms. If you do not agree, do not use the site.
1. Site ownership
Cifraspend.com is operated by NovoPayment Inc., a company incorporated in Panama. The Cifra software, brand, logos, texts, images and all other content are the exclusive property of NovoPayment Inc. or its licensors.
2. Permitted use
The site is provided for informational and commercial-contact purposes. You may browse freely, download materials when expressly indicated, and use the contact form. You may not: access the site for malicious purposes, extract content by automated means without authorization, impersonate others, or attempt to access non-public areas.
3. Intellectual property
All site content — text, graphics, logos, code, design — is protected by copyright, trademark and other intellectual property laws. No part of this site grants a license over those rights, except as expressly stated.
4. Non-binding information
Information about products, prices, timelines and architecture published on this site is indicative and may change without notice. Definitive commercial terms with each bank or licensee institution are established exclusively by signed contract.
5. Third-party links
The site may contain links to third-party sites. We do not control or take responsibility for the content, policies or practices of those sites. Your visit to those sites is governed by their own terms and policies.
6. Limitation of liability
The site is provided on an "as is" basis. NovoPayment Inc. does not warrant that the site is free of errors, interruptions or vulnerabilities. To the maximum extent permitted by applicable law, NovoPayment shall not be liable for direct, indirect, incidental or consequential damages arising from the use or inability to use the site.
7. Modifications
We may modify these terms at any time. The current version will always be published on this page with its last-updated date. Continued use of the site after a modification constitutes acceptance of the new terms.
8. Governing law and jurisdiction
These terms are governed by the laws of the Republic of Panama. Any dispute arising from the use of the site shall be submitted to the competent courts of Panama City, unless applicable law requires otherwise.
9. Contact
For any questions about these terms, write to ventas@cifraspend.com.