Effective date: 3.30.2026
1.1. These Terms and Conditions (the “Terms”) constitute a standard form service agreement between Echo Sphere LLC (the “Company”, “EchoSphere”, “we”) and any person using EchoSphere services (the “User”, “you”) and define the rules for provision of payment-related and information technology services.
1.2. The Terms are addressed to legally capable natural persons and legal entities who access and use the Company’s services and are considered accepted from the moment of actual use of the Website or services.
1.3. In accordance with the Civil Code of Georgia, these Terms represent a standard contractual framework offered to an indefinite number of persons; by performing actions described in section 4 (including initiating a payment, submitting data, confirming an operation), the User enters into a binding agreement with the Company.
2. Definitions
For the purposes of these Terms:
2.1. Website means the Company’s online resource available at https://ecsphere.com, its subdomains, and any integrated interfaces, including without limitation widgets, APIs, hosted payment pages, and other digital tools made available by EchoSphere.
2.2. User means any natural person or legal entity using the Company’s services to initiate, receive, support, or otherwise participate in payments, transfers, or other transactions.
2.3. Payment Instrument means a bank card or any other electronic payment method used by the User in accordance with the agreement between the User and the issuing bank or other authorized payment service provider.
2.4. Partner Bank / Payment Service Provider means any duly licensed or otherwise authorized financial institution, bank, payment institution, electronic money institution, or other payment service provider in the United Arab Emirates or any other relevant jurisdiction that executes payment transactions, settlements, or related services initiated through EchoSphere services.
2.5. Services means the technological, informational, and ancillary services provided by the Company, including the acceptance, processing, routing, encryption, secure transmission, and facilitation of payment-related data and requests, as well as other IT-enabled services supporting interaction between the User, the Partner Bank / Payment Service Provider, and the Merchant / Recipient.
2.6. Merchant / Recipient means any merchant, service provider, payee, beneficiary, or other person in whose favour the User initiates a payment, transfer, or other transaction through the Services.
2.7. Applicable Law means the laws and regulations of the United Arab Emirates and, where applicable, the laws and regulations of the Emirate of Dubai, including without limitation any applicable rules relating to civil transactions, electronic commerce, payment services, consumer protection, anti-money laundering, counter-terrorist financing, sanctions compliance, and personal data protection.
3. Subject of the Agreement
3.1. The Company provides the User with technological Services for accepting and transmitting User instructions to Partner Banks / Payment Service Providers for execution of payments and/or money transfers, as well as for informational support of such operations.
3.2. Unless expressly agreed otherwise in a separate contract, the Company is not the recipient of funds under User operations and does not act as a bank or other licensed financial institution; funds are credited to the account of the Merchant / Recipient specified by the User or by the Merchant’s system.
4. Conclusion of the Agreement
4.1. The agreement between the Company and the User is deemed concluded at the moment the User accepts these Terms.
4.2. Acceptance of the Terms includes, in particular, any of the following actions:
navigating to a Kvaligate payment or service page;
entering Payment Instrument details or other required payment data;
confirming an operation by code, device, strong customer authentication, or similar means;
successfully completing a payment or other operation via Echo Sphere interfaces.
4.3. The Terms are valid for an indefinite period until replaced or revoked by the Company through publication of an updated version on the Website.
5. Rights and Obligations of the Parties
5.1. The Company undertakes to:
transmit User instructions to Partner Banks / Payment Service Providers in a timely and secure manner;
provide the User (or Merchant, where applicable) with information on completed or attempted operations in a reasonable form;
ensure confidentiality and protection of personal and payment data in accordance with Applicable Law and the Company’s Privacy Policy.
5.2. The Company has the right to:
suspend or refuse execution of an operation where there are signs of violation of law, requirements of Partner Banks / Payment Service Providers, or these Terms (including AML/CFT and fraud-prevention rules);
request additional information or documents from the User to comply with legal or partner requirements;
modify the functionality of the Services, interfaces, tariffs and other conditions, publishing current information on the Website.
5.3. The User undertakes to:
provide accurate and up-to-date information and not use the Services for operations prohibited by Applicable Law;
comply with the rules of the issuer of the Payment Instrument and Partner Bank / Payment Service Provider;
ensure confidentiality of authentication means (codes, passwords, devices) and not transfer them to third parties.
5.4. The User has the right to:
receive information regarding operations carried out via the Services, in the scope and manner determined by these Terms and Applicable Law;
contact the Company with questions, claims or requests related to the Services.
6. Fees and Settlements
6.1. The Company’s fees and possible commissions (including those of Partner Banks / Payment Service Providers) may be indicated on the Website, in a Merchant’s interface, or directly on the payment page before confirmation of the operation.
6.2. Where a commission is deducted from the operation amount, the User is deemed to be informed of its amount at the moment of confirming the payment or operation.
7. Liability
7.1. The Parties are liable in accordance with Applicable Law and these Terms.
7.2. The Company is not liable for:
refusal by the issuing bank or Partner Bank / Payment Service Provider to execute an operation;
actions or failures of third parties (internet providers, payment systems, Merchants / Recipients, banks, processing centres);
losses incurred by the User as a result of violation of rules for using the Payment Instrument, disclosure of authentication means to third parties, or breach of these Terms.
7.3. The Company does not guarantee uninterrupted operation of the Services and is not responsible for temporary interruptions or failures caused by force majeure, scheduled maintenance, modernisation, or failures of third-party infrastructure.
8. Prohibited Activities
8.1. The User must not use the Services for any activity that violates Applicable Law, including, without limitation, money laundering, terrorist financing, fraud, unlawful trade, sanctions evasion, or any other illegal or prohibited activity.
8.2. The Company may suspend or block any operation, restrict or terminate access to the Services, and disclose or provide relevant information and documentation to competent authorities, regulators, courts, or other authorized persons where required or permitted by applicable law, including anti-money laundering, counter-terrorist financing, sanctions, fraud prevention, and financial crime compliance requirements.
9. Personal Data
9.1. The User’s personal data shall be processed by the Company in accordance with the Privacy Policy published on the Website and the applicable laws and regulations of the United Arab Emirates relating to personal data protection and privacy.
9.2. By accepting these Terms, the User acknowledges and, where required by applicable law, consents to the processing of the User’s personal data to the extent necessary for the conclusion and performance of this agreement, the provision of the Services, and compliance with the Company’s legal and regulatory obligations.
10. Governing Law and Dispute Resolution
10.1. These Terms and any non-contractual obligations arising out of or in connection with them shall be governed by and construed in accordance with the laws of the United Arab Emirates and, where applicable, the laws and regulations of the Emirate of Dubai.
10.2. Any claims, complaints, or notices arising out of or in connection with these Terms or the Services shall be submitted to the Company using the contact details indicated on the Website. The Company shall review and respond to such claim or complaint within a reasonable period, not exceeding 30 calendar days from the date of receipt, unless a different period is required by applicable law.
10.3. Any dispute, controversy, or claim arising out of or in connection with these Terms, including any question regarding their existence, validity, interpretation, performance, or termination, which is not resolved through negotiations, may be submitted to the competent courts of Dubai, United Arab Emirates, unless mandatory provisions of applicable law require otherwise.
11. Final Provisions
11.1. The Company may amend these Terms unilaterally. The new version becomes effective from the moment it is published on the Website, unless another effective date is specified.
11.2. Invalidity of any specific provision of these Terms shall not affect the validity of the remaining provisions.
11.3. The current version of the Terms is always available on the Website at https://kvaligate.com/ (or another URL specified by the Company).