Payment Partners Terms and Conditions

1. Who provides the Services. CentryOS is a trading name of Quantum Works LLC. CentryOS is not a bank and does not hold customer funds. Some parts of the Services are provided by third-party banks, licensed money transmitters, payment processors, digital asset service providers and identity verification providers (“Payment Partners”). The current Payment Partners, the services each provides, and links to their terms are listed in the Payment Partners Schedule (“Partner Terms”).

2. Acceptance of Partner Terms. By accepting these Terms or using any CentryOS product or Service, you also accept the Partner Terms of each Payment Partner that provides the product or Service you use. Some Payment Partners require you to accept their terms separately. In that case we will show you those terms before your first use of that Service, and you cannot use it until you accept them.

3. Order of terms. These Terms govern your relationship with CentryOS. Partner Terms govern the service each Payment Partner provides to you. If they conflict on a Payment Partner’s service, the Partner Terms prevail for that service.

4. Funds held by Payment Partners. Fiat balances are held by Payment Partners in accounts at their sponsor partner banks for the benefit of users. Neither CentryOS nor the Payment Partners are FDIC-insured banks. FDIC pass-through insurance, where it applies in certain circumstances, covers only the failure of the bank holding the funds, and only if certain conditions are met. Digital assets and stablecoins are not insured by the FDIC or any government agency.

5. Information sharing. You authorize CentryOS to share your personal, identity and transaction information with Payment Partners as needed to verify your identity, screen against sanctions lists, process transactions, prevent fraud, and comply with law. Each Payment Partner handles that information under its own privacy policy.

6. Changes to Payment Partners. CentryOS may add, replace or remove Payment Partners, and Payment Partners may update their terms. We will update the Payment Partners Schedule. We will notify you of any change that materially affects you within 30 days, unless law, a Payment Partner or a network requires a shorter period. Continuing to use the affected Service after that date means you accept the change.

7. Partner-imposed actions. A Payment Partner may limit, suspend or close your access to its service under its Partner Terms or applicable law. CentryOS is not responsible for those actions, but will tell you about them where the law allows.

8. Support and disputes. Contact CentryOS first at support@centryos.xyz. We will resolve the issue or refer it to the relevant Payment Partner, if necessary. Some claims, such as bank error resolution, may be handled directly by the Payment Partner under its Partner Terms.