Effective May 12, 2026. Crossmint + MoonPay/Hel.io. On-chain payments are final. All disputes route to Arbitration.
These Payment Terms ("Payment Terms") govern all payments made by you, your Affiliates, or end users authorized under your account to ROOF_OS, Inc. ("ROOF_OS") in connection with the Platform. They are incorporated by reference into the Terms of Service at /terms, the Refund Policy at /refund-policy, and the Privacy Policy at /privacy. Capitalized terms not defined here have the meanings in the Terms of Service. By submitting any payment, you agree to these Payment Terms and to the terms of the applicable Payment Partner.
ROOF_OS accepts payment exclusively through the following rails: (a) Crossmint, Inc. — card networks (Visa, Mastercard, American Express, Discover), ACH, wire, and stablecoin settlement (USDC on Base by default); (b) MoonPay USA LLC and Hel.io Labs, Inc. via moonpay.hel.io — fiat on-ramp and direct stablecoin checkouts; (c) ACH or wire to a bank account designated in writing by ROOF_OS Finance; and (d) any additional licensed processor we publish in writing. Payments tendered through unauthorized channels (including direct on-chain transfers to wallets not designated by ROOF_OS) will not be credited and may be lost without recourse against ROOF_OS.
By providing a payment instrument, you authorize ROOF_OS and its Payment Partners to charge that instrument for all fees, taxes, and other amounts owed in connection with the Platform, including recurring subscription charges, metered overages, marketplace purchases, and reauthorized renewals. You authorize storage of the instrument and its replacements (via card-account-updater services) for the purpose of recurring billing. You will keep payment instruments current and will promptly notify us at billing@roof10x.com of any change.
Payment Partners are independent regulated financial-services providers and may, at any time and without notice from ROOF_OS, (a) require identity verification documents (KYC), beneficial-ownership information, source-of-funds attestations, or business documentation; (b) freeze, decline, refund, or claw back transactions that fail screening; (c) report suspicious activity to FinCEN or comparable regulators; and (d) deny service to sanctioned persons, persons in sanctioned jurisdictions, and politically exposed persons where required. You agree to cooperate promptly with any such request. Failure to satisfy KYC/AML requests within the timeframe set by the Payment Partner may result in transaction reversal and account suspension. ROOF_OS does not control Payment Partner risk decisions and is not liable for declined, delayed, frozen, or reversed transactions caused by Payment Partner compliance procedures.
All fees stated on /pricing and in your Order Form are exclusive of: (a) Payment Partner fees, including card-network interchange, ACH return fees, wire fees, FX spread, and stablecoin network (gas) fees; (b) taxes, duties, and government charges (sales, use, VAT, GST, IVA, withholding, digital-services taxes, and similar), each of which is your responsibility; (c) bank intermediary or correspondent fees on inbound wires; and (d) compliance-related costs imposed by a Payment Partner. If withholding tax is required, you will gross up payments so that ROOF_OS receives the full invoiced amount. Settlement timing depends on the rail selected (cards typically T+2, ACH T+3 to T+5, wire same/next business day, on-chain near-real-time once confirmed); ROOF_OS is not liable for rail-imposed delays.
Where you pay in cryptocurrency or stablecoin: (a) the transaction is FINAL on network confirmation and CANNOT be reversed by ROOF_OS, Crossmint, MoonPay, Hel.io, any miner, validator, or any third party; (b) you bear all network-congestion, gas-fee, slippage, and exchange-spread risk; (c) you bear all de-peg, custodial, smart-contract, oracle, bridge, and protocol risk inherent to digital assets, including the risk of total loss; (d) ROOF_OS does not provide investment, custody, or fiduciary advice in connection with crypto payments; (e) you represent that the funds you transmit do not derive from money laundering, tax evasion, sanctions evasion, fraud, ransomware, theft, or any other unlawful source; (f) you authorize Payment Partners to perform on-chain analytics (e.g., Chainalysis, TRM Labs) on the originating wallet and to freeze or refuse settlement where flagged. Payment in a non-supported token is at your sole risk and will not be credited.
Invoices not contested in writing within 10 business days are deemed accepted. Past-due amounts accrue interest at the lesser of 1.5% per month or the maximum permitted by applicable law, plus collection costs and reasonable attorneys' fees. ROOF_OS may, after 10 days' notice, suspend access for any unpaid account, restrict Agent execution, withhold Output, and disable export. Reactivation is conditioned on payment of all past-due amounts, interest, fees, and a $250 reactivation fee. Repeated suspension is grounds for termination.
Chargeback abuse is a material breach. If you initiate a chargeback, card dispute, ACH return, or analogous reversal for a transaction that ROOF_OS and the applicable Payment Partner reasonably determine was authorized and properly fulfilled (so-called "friendly fraud"), you agree: (a) the disputed amount remains due and payable; (b) you will reimburse ROOF_OS for the chargeback fee assessed by the Payment Partner (currently up to $35.00 per event), associated network fines, and reasonable investigation and counsel costs; (c) ROOF_OS may, without further notice, suspend or terminate access pending resolution; (d) ROOF_OS may submit a rebuttal package, including signed Order Forms, IP and device fingerprints, audit logs of Agent activity, communications transcripts, and proof of value delivered; (e) repeat offenses may be reported to industry fraud-prevention databases (Verifi CDRN, Ethoca, MATCH list). The proper procedure for disputed charges is the Arbitration intake at /arbitration, not a chargeback.
All payments are FINAL and NON-REFUNDABLE except as expressly stated in the Refund Policy at /refund-policy. The sole refund pathway is a documented conflict of interest adjudicated by the ROOF_OS Arbitration Department, less any irreversible Payment Partner or network fees. Refund decisions are made in writing and at the sole reasonable discretion of the Arbitration Department, subject to the dispute procedure in Section 16 of the Terms of Service. No refund will be issued for: change of mind, business closure, project cancellation by you, dissatisfaction with Output, market or weather conditions, third-party platform outages, or expired credits.
Subscription pricing may be adjusted at renewal with at least 30 days' written notice; usage-based and marketplace prices may be adjusted with at least 15 days' notice for prospective transactions. Promotional pricing, credits, and trial extensions are non-transferable, may not be combined unless expressly stated, and expire on the stated date. Stacking, exploit, or fraud-based use of promotions voids the credit and is grounds for account termination.
Crossmint and MoonPay/Hel.io are the merchants of record for card and on-ramp transactions and bear sole responsibility for PCI-DSS compliance for the cardholder data they process. ROOF_OS does not store, process, or transmit Primary Account Numbers (PAN), CVV, magnetic-stripe data, or PIN data; the Platform's payment forms are rendered via hosted fields and iframes served from the Payment Partner. You will not transmit cardholder data to ROOF_OS via email, support tickets, chat, screen share, or any non-PCI channel; any such data sent in violation of this rule may be discarded without further notice and is your liability.
Unless otherwise stated, all amounts are denominated in U.S. dollars (USD). Where settlement occurs in another currency or in a stablecoin, FX is calculated using the Payment Partner's then-current rate plus its FX spread. ROOF_OS does not guarantee parity between any stablecoin and the U.S. dollar; you bear all de-peg risk. Rounding is to the smallest unit supported by the rail (cent for fiat, smallest atomic unit for tokens).
All payment disputes — including disagreements about invoiced amounts, refunds under the conflict-of-interest exception, allegations of unauthorized charges, and disputes with Payment Partners that bear on amounts owed to ROOF_OS — must be submitted to the ROOF_OS Arbitration Department per Section 16 of the Terms of Service and the procedure at /arbitration. Submission within 60 days of the disputed charge is a condition precedent to relief; charges not disputed within that window are conclusively deemed accepted.
ROOF_OS retains payment, billing, and tax records for at least seven (7) years to satisfy U.S. federal and state recordkeeping obligations and to support chargeback and dispute defense. Retention overrides any data-deletion request under the Privacy Policy with respect to payment records. Customer-side records (Order Forms, signed proposals, communications evidencing authorization) are critical to dispute defense; we recommend you retain them for the same period.
Billing & invoicing: billing@roof10x.com. KYC/AML inquiries: compliance@roof10x.com. Payment disputes (mandatory routing): arbitration@roof10x.com. Mailing address: ROOF_OS, Inc., Austin, TX.
