Acceptance and use of the service

By using KeyCard BBM, KeyPay, KeyCoin, KeyStore, or any related service, you accept these Terms and Conditions.

This site and its services are operated by INNOVAPPSOFT LLC. The terms “we,” “us,” and “our” refer to INNOVAPPSOFT LLC.

By using our services, you declare that you are of legal age in your country of residence, that you provide truthful, complete, and updated information, and that you will not use the platform for illegal, fraudulent, abusive, or unauthorized purposes.

You are responsible for all activity performed from your account, including operations, access, balance use, transfers, purchases, settings, and any action performed with your credentials or devices.

Nature of the service and KeyCoin

KeyCoin is an internal digital balance used exclusively within the INNOVAPPSOFT LLC ecosystem.

KeyCoin is not fiat money, not a bank deposit, does not generate interest, is not insured by any financial entity, is not an investment, and does not represent value outside the platform.

KeyCoin is not transferable outside the platform except through features expressly authorized by INNOVAPPSOFT LLC.

Use of KeyCoin is subject to internal rules, limits, availability, AML/CTF controls, risk monitoring, KYC review, and specific KeyCoin policies.

Accounts and security

The user is responsible for maintaining the security of their account, credentials, devices, sessions, and authentication methods.

We reserve the right to suspend or close accounts, limit features, request additional information, restrict access, or block operations when there is suspicion of fraud, policy violation, security risk, unusual activity, legal requirement, or a need to protect the ecosystem.

These measures may be applied without prior notice when necessary to protect users, external providers, the platform, or to comply with legal and security obligations.

AML, fraud, and compliance

We apply measures to prevent fraud, money laundering, terrorist financing, sanctions evasion, service abuse, and misuse of the platform.

We may monitor transactions, assess user risk, review devices, block suspicious operations, request additional verification, apply limits, hold funds during investigations, and take internal compliance measures.

Risk, security, and compliance decisions will be made based on internal records, risk signals, available evidence, applicable policies, external providers, and legal obligations.

Depending on the actual operating model, activities involving transmission of value, virtual currency, or money services may have specific regulatory obligations; FinCEN states that certain businesses accepting and transmitting real currency or value that substitutes for currency, including virtual currency, may fall under money transmission/MSB rules. :contentReference[oaicite:4]{index=4}

KYC verification

We may require identity verification at any time, before or after enabling features, processing operations, or releasing funds.

The user agrees to provide valid documentation, truthful information, and complete checks through authorized external providers, such as Didit or similar services.

Failure to verify, or providing false, incomplete, altered, inconsistent, or unverifiable information, may result in restrictions, suspension, temporary fund holds, rejection of operations, or account closure.

Internal transfers and P2P

The platform may allow internal transfers between users and P2P operations according to enabled features.

The user acknowledges that P2P transactions are the responsibility of the involved parties and must verify amounts, rates, conditions, payment methods, counterparty, and evidence before operating.

INNOVAPPSOFT LLC provides technology infrastructure but does not guarantee external agreements between users, does not guarantee execution of all operations, and does not act as a guarantor of user agreements.

We may intervene in P2P operations only for security, fraud, dispute, compliance, AML/CTF risk, or ecosystem protection reasons.

Payments and external services

We may use external providers to process payments, verifications, top-ups, gift cards, crypto assets, APIs, or other integrated services.

We do not store complete card information when payments are processed by certified external providers.

External providers may have their own policies, terms, reviews, limits, processing times, rejections, holds, and compliance requirements.

INNOVAPPSOFT LLC is not responsible for failures, delays, blocks, rejections, errors, fees, holds, or internal decisions of external systems.

Digital products, top-ups, and services

KeyStore purchases, digital products, gift cards, access credentials, codes, activated services, and mobile top-ups are final and non-refundable once processed or delivered, except in cases of verified system error or express decision by INNOVAPPSOFT LLC.

Mobile top-ups are not reversible once correctly processed.

Gift cards, digital codes, access credentials, and delivered products are not refundable due to change of mind, user error, partial use, loss, delivery to third parties, or incorrect data entered by the user.

Refunds

Refunds may only be reviewed in cases of verified technical error, validated double charge, internal service failure, or product not delivered due to system error.

INNOVAPPSOFT LLC will evaluate each case individually based on evidence, internal records, external provider information, account history, risk, and applicable policies.

Refund approval is not automatic. The FTC recommends that sellers clearly communicate return and refund policies in online purchases, so this section should remain visible to the user before or during the purchase flow. :contentReference[oaicite:5]{index=5}

Funds holds and freezing

We reserve the right to hold funds, freeze balances, limit account access, block operations, or restrict features when there is suspicious activity, fraud, chargeback, legal requirement, policy violation, AML/CTF review, or risk to the platform.

A hold or freeze may be applied without prior notice and remain in place for as long as necessary to complete internal reviews, third-party processes, investigations, identity validations, risk analysis, or legal compliance.

Closing or suspending an account does not necessarily mean immediate release of balances if there are disputes, investigations, legal obligations, chargebacks, fraud, or pending reviews.

Fraud, abuse, and sanctions

Any fraudulent, abusive, manipulative, illegal, or policy-violating activity may result in permanent account closure, loss of access, fund holds, reversal of operations when possible, feature blocking, and additional measures.

It is prohibited to use the platform for fraud, scams, money laundering, terrorist financing, sanctions evasion, promotion abuse, impersonation, third-party account use, transaction manipulation, document falsification, or any illegal activity.

We may also report or share information with external providers, authorized entities, or competent authorities when required by law or when there are reasonable signs of illegal activity.

International sanctions and restricted jurisdictions

We comply with controls related to economic sanctions, international restrictions, security, and applicable legal obligations.

Access to or use of the service may be restricted in certain jurisdictions according to applicable laws, external providers, geolocation, regulatory risk, user behavior, or internal compliance criteria.

We reserve the right to limit, block, reject, or review operations based on location, country, IP, identity, behavior, jurisdiction, sanctions, risk lists, or external provider signals.

Prohibited use of VPNs, proxies, and anonymization

The use of VPNs, proxies, Tor, anonymous networks, IP-hiding services, data center IPs, manipulated connections, modified devices, or any mechanism intended to hide, falsify, or modify the user’s location, technical identity, true origin, or behavior is prohibited.

The use or attempted use of these tools may result in restrictions, account review, operation blocking, service suspension, temporary holds, account closure, or transaction rejection.

Frequent IP changes, access from inconsistent locations, abuse-reported IPs, patterns associated with anonymization, or attempts to evade security controls may also be considered risk signals.

Limitation of liability

We do not guarantee that the service will be uninterrupted, error-free, permanently available, compatible with all devices, or free of technical failures.

We are not responsible for third-party failures, external provider delays, indirect losses, consequential damages, lost opportunities, user errors, misuse of the platform, interruptions, maintenance, external blocks, or causes beyond our control.

The user accepts that they use the services at their own risk and must carefully review each operation before confirming it.

Service termination

We may terminate, suspend, or limit access to the platform at any time when there is a violation of these terms, security risk, suspicious activity, fraud, legal requirement, abuse, failure to verify, or operational reasons.

The user may stop using the service at any time.

Termination of service does not remove pending obligations, investigations, held balances, disputes, chargebacks, legal responsibilities, or information that must be retained for compliance, security, or applicable law.

Governing law

These terms are governed by the laws of the State of Kentucky, United States, unless a mandatory applicable law provides otherwise.

The user accepts that any dispute will be evaluated according to these terms, the applicable platform policies, and the relevant law.

Relationship with other policies

These Terms and Conditions are complemented by the Privacy Policy, AML/CTF Policy, KeyCoin Policy, P2P Policy, Refunds and Chargebacks Policy, Cookies Policy, Acceptable Use Policy, Account Security Policy, and any other policy published by INNOVAPPSOFT LLC.

In case of conflict between a specific policy and these general terms, INNOVAPPSOFT LLC may apply the more specific policy to the corresponding service or operation.

Changes to the terms

We may update these Terms and Conditions at any time to reflect legal, regulatory, operational, technical, commercial, security, or compliance changes.

Changes take effect once published or from the moment indicated by the platform.

Continued use of the service after changes are published means acceptance of the current version.