Terms of Service

1. What Relay is

Relay is a wallet and ledger that gives every request a reference. It uses sandbox payment rails and is not a licensed bank. No regulated status.

2. Your account

You must provide accurate KYC. You are responsible for your password and 2FA. One-click delete in Settings removes your account with audit.

3. Money

Deposits via Stripe test then live, plus manual proof reviewed by admin. Transfers are idempotent — double-click creates one move. Wire/Swift is stubbed/mock. Fees shown before confirm.

4. Support

Every ticket gets a reference #RL-xxx and an update. Abuse or fraud may be blocked per backend RBAC.

5. Processors

Supabase, Stripe, Resend, Twilio, Vercel, Sentry/PostHog as listed in Privacy.

6. Contact

support@yourdomain — every message gets a reference.