01Acceptance of terms
By accessing or using stratosfin.io ("Website"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree, please do not use the Website. These Terms constitute a legally binding agreement between you and Stratos Fintech LLC.
02Services under development
All payment gateway, open banking and digital transfer solutions described on these Websites are technology platforms currently under development. No financial services are being offered at this time. Such services will only be provided after Stratos Fintech has obtained the required licences, registrations and authorisations from competent authorities and authorised partners.
Nothing on these Websites constitutes an offer or invitation to avail financial services or to enter into any financial agreement.
03Stratos is a technology provider, not a custodian
Stratos Fintech LLC provides software: payment pages, the control panel, the app and the records behind them. It does not accept deposits, issue electronic money, hold funds on behalf of anyone, or transmit money on its own account. Where payments are offered, funds are collected, held, cleared, settled and paid out by a licensed acquiring bank, payment facilitator or money services business (a "Partner"), under that Partner's own licence and terms.
Any balance shown in Stratos software is a record of what a Partner holds for you, or, before a Partner is live, a record only. You have no claim against Stratos Fintech LLC for funds; your claim is against the Partner that holds them. Settlement, reserves and payouts happen through the Partner on the Partner's instructions and timelines.
04Sanctions and anti-money-laundering screening
To meet anti-money-laundering, counter-terrorism-financing and sanctions laws, we and our Partners screen merchants, their owners and directors, and customers against the UN Security Council consolidated list, the OFAC sanctions lists and other applicable lists, at onboarding and again from time to time, and monitor payments for unusual patterns.
Where screening or monitoring requires it, we may, without notice and without liability: delay, hold or refuse a payment; suspend or close an account; ask for further documents; and instruct the Partner to keep a reserve from amounts due to a merchant for as long as the risk remains. Partners decide on, and report suspicious activity to, the competent financial intelligence unit and other authorities. The law may stop us from telling you that a report has been made.
05Sending payment data to processors
You authorise Stratos Fintech LLC to send the details needed to process, verify, screen and settle a payment, including payment tokens (never full card numbers), amounts, merchant and customer details and device information, to our Partners and to the licensed processors and service providers listed in our Privacy Policy, for those purposes only. Card details are entered on pages hosted by a licensed processor and are not stored by Stratos.
06Transactional SMS
If you opt in on a web form, Stratos Fintech LLC may send transactional SMS (verification codes, account notices, fraud alerts) to the number you provided. We do not send marketing SMS. You can cancel at any time: text STOP. Reply HELP for help, or email support@stratosfin.io. Message and data rates may apply. Message frequency varies. Carriers are not liable for delayed or undelivered messages.
Stratos Fintech LLC (Wyoming filing 2026-002071705, EIN 30-1507888) sends US and Canadian transactional texts from +1 269 307 7980. Toll-free +1 844 970 0705 is also registered to this company for the same programme. The company is wholly owned by STRATOS FINTECH (PRIVATE) LIMITED (SECP CUIN 0345801), which operates https://www.stratosfin.pk. Pakistani mobiles are texted by that parent from short code 8584, not from the US numbers.
The SMS-specific terms are the Mobile Terms of Service. Privacy: Privacy Policy. How consent is collected: SMS opt-in.
07Intellectual property
All content on this website, including text, graphics, logos, icons, images, audio, video and software, is the property of Stratos Fintech LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify or create derivative works without our prior written consent.
08Permitted use
- Do not transmit unlawful, harmful, threatening, defamatory or obscene material.
- Do not attempt unauthorised access to any part of the Websites or underlying systems.
- Do not scrape, crawl or harvest data without permission.
- Do not disrupt or interfere with the Websites' operation.
09Limitation of liability
To the fullest extent permitted by law, Stratos Fintech shall not be liable for any indirect, incidental, special, consequential or punitive damages arising from your use of (or inability to use) the Websites or reliance on any information provided herein. The Websites are provided on an "as is" and "as available" basis without warranties of any kind, express or implied.
10Links to third-party websites
The Websites may contain links to third-party websites for convenience only. Stratos Fintech does not endorse, control or accept responsibility for third-party content, privacy practices or terms.
11Governing law
These Terms govern software and website use on the international desk. They do not create a banking, e-money or money-transmission relationship. Disputes are handled first through the international desk at support@stratosfin.io.
12Changes
We reserve the right to update these Terms at any time. Continued use of the Websites following changes constitutes acceptance of the revised Terms.
13Contact
support@stratosfin.io
Registered Agents Inc, 30 N Gould St Ste R, Sheridan, WY 82801, United States, Service of process only — not a Stratos staff office