Effective Date: 08.08.2025
Last Updated: 12.08.2025

1. Regulatory Disclosures

Particolar OÜ, registry code 16457865, is a private limited company registered in Estonia.
Registered address: Harju maakond, Tallinn, Nõmme linnaosa, Rännaku pst 12, 10917, Estonia.
We operate in compliance with PSD2, AML Directives, and the Estonian Personal Data Protection Act.
Particolar OÜ provides payment services but does not hold customer funds beyond transaction processing unless required for settlement.

2. Risk Disclosures

• Using our Services involves risks, including but not limited to delays in transaction processing, system outages, and potential fraud attempts.
• Digital goods and services purchased via our platform may have no physical form and are non-returnable unless otherwise stated by applicable law.
• Currency conversion rates and fees are subject to market fluctuations and third-party provider conditions.

3. Limitation of Liability

• To the maximum extent permitted by law, Particolar OÜ is not liable for indirect, incidental, or consequential losses.
• We are not responsible for the quality, legality, or fitness for purpose of goods or services purchased from merchants using our payment services.

4. No Financial Advice

• Information on our website or communications from our team does not constitute financial, investment, or legal advice.
• You should seek independent professional advice before making financial decisions.

5. Third-Party Services

• Our platform may link to third-party services. We are not responsible for their content, terms, or privacy practices.
• Your use of third-party services is at your own risk and subject to their own agreements.

6. Governing Law

These Disclosures & Disclaimers are governed by the laws of the Republic of Estonia.

7. Contact

Particolar OÜ
Registry code: 16457865
Harju maakond, Tallinn, Nõmme linnaosa, Rännaku pst 12, 10917, Estonia
Email: [email protected]
Phone: +357 22008830