Last updated: April 5, 2026
By accessing or using the KronosPay mobile application, website, or any services provided by KronosPay LLC ("Kronos," "we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to all of these terms, do not use our services.
You must be at least 18 years of age and a legal resident of the United States to open a Kronos account. By registering, you represent and warrant that all information you provide is accurate, current, and complete, and that you are legally permitted to use financial services in your jurisdiction.
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open a Kronos account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see identifying documents. This is part of our Customer Identification Program (CIP) as required under the USA PATRIOT Act.
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us immediately at [email protected] if you suspect any unauthorized access. Kronos is not liable for losses arising from unauthorized use of your account where you have failed to safeguard your credentials.
By creating a Kronos account, you consent to receive all agreements, disclosures, notices, and other communications electronically, in accordance with the Electronic Signatures in Global and National Commerce Act (E-Sign Act). You acknowledge that electronic signatures, agreements, and records are legally binding and satisfy any requirement for written documents. You have the right to withdraw this consent at any time by contacting [email protected]; however, withdrawal of consent may result in the termination of your account, as our services require electronic delivery. To receive electronic communications, you need a device with internet access, a current web browser or the Kronos mobile app, and a valid email address on file.
Kronos provides a digital banking platform that includes direct deposit, peer-to-peer transfers, cryptocurrency trading, savings accounts, and a digital debit card with Apple Pay and Google Pay support. Certain features, including priority support, 2.5% APY savings, and zero-fee crypto trading, are available exclusively through the Kronos Pro subscription — $9.99/month, $99.99/year (save $20), or $199.99 lifetime access. The Kronos Black subscription is the top tier and grants all Pro benefits plus 24 free airport lounge passes per rolling 12-month period (subject to the Reasonable Use Policy in Section 7.1; additional passes available at $29 each), 3% cryptocurrency cashback, 100% subsidized cryptocurrency network fees, 4.5% APY on savings, up to 3 days early direct deposit and same-day merchant refund release, $30 referral payouts, all seven alpha-strategy trading bots (including the founder-authored "Kronos Engine" strategy), a metal physical card, beta-feature auto-enrollment with 7-day-early access to new features, a one-hour support response SLA with a named concierge agent, up to five free wire transfers per month ($10 per wire thereafter, vs. $25 per wire for non-Black tiers), up to $25 per month in international ATM fee reimbursement, unlimited / instant / free peer-to-peer sends (universal Kronos feature across every tier — USDC-instant settlement, no daily cap, no fees), one authorized-user card included, free annual 1099 tax filing through a third-party tax-prep partner, four quarterly investment review sessions per calendar year, access to an over-the-counter (OTC) crypto trading desk with an approximately 0.1% spread on trades of $10,000 USD or more (subject to institutional partner availability), free continuous credit-score monitoring with FICO and three-bureau alerts via a third-party credit-data partner, and a $100 USDC anniversary credit each year of continuous Black tenure starting at year one — $59.99/month or $599.99/year on either web or the App Store ($79.99 / $799.99 in the App Store pre-SBP). Yield rates: Free 1.5% APY savings; Pro 2.5% APY savings; Black 3.5% APY savings + 1.0% APY checking. All APYs are sourced from a DeFi yield-routing position (see Section 11.5 for the full disclosure) — they are variable, not FDIC-insured, and subject to smart-contract risk. Kronos Black Lifetime is offered at $1,599.99 via web checkout exclusively and is not sold through Apple In-App Purchase; the Apple App Store does not support this price tier in-app.
Free-tier users are subject to applicable fees, including a 1% fee on cryptocurrency transactions, a 1% fee on instant withdrawals to debit card. Peer-to-peer sends are unlimited, instant, and free for every user on every tier (USDC-instant settlement; no daily cap). ACH bank transfers are free for all users. Kronos Pro subscribers receive enhanced benefits as described on our pricing page. Subscription options include $9.99/month, $99.99/year (save $20), or $199.99 lifetime. Kronos Black subscribers receive the additional benefits described in Section 6 above; subscription options include $59.99/month or $599.99/year (web prices; App Store prices for monthly and annual are higher to account for Apple's processing fee), and $1,599.99 lifetime via web checkout exclusively. Kronos Black Lifetime is not offered through Apple In-App Purchase: the Apple App Store does not support this price tier in-app, and Apple's Extended Price Tier requires per-account approval that Kronos is not pursuing. Subscribers who wish to purchase Kronos Black Lifetime must do so at getkronos.io/pro/checkout. Subscription fees are non-refundable once the billing cycle has begun.
Kronos Black includes 24 complimentary airport lounge passes per rolling 12-month period through our partners LoungePair and DragonPass. This allotment is provided under a Reasonable Use Policy intended for personal travel and is calibrated to cover frequent-flyer usage (24 visits/year averages two visits per month, which exceeds typical business-traveller cadence). Once you redeem your 24th complimentary pass within any rolling 12-month window, additional lounge passes are available for purchase at the standard out-of-pocket rate of $29 per pass, which sits just above wholesale and is unchanged from the Pro overflow rate. We track lounge-pass redemption per user on a rolling-window basis; the counter does not reset at calendar year-end. Kronos reserves the right to investigate and, where warranted, restrict access for usage patterns that appear to be commercial, brokered, or otherwise inconsistent with personal travel — for example, redemption of multiple passes per day across distant airports, or systematic gifting of pass entries to non-account-holders. We will contact you before any restriction is imposed and offer an opportunity to clarify the usage. This Section 7.1 was added 2026-05-13 and replaces the prior "unlimited lounges" entitlement; existing Black subscribers were notified by email at least 14 days before the change took effect.
Automatic Renewal: In accordance with the Restore Online Shoppers Confidence Act (ROSCA), your Kronos Pro or Kronos Black subscription will automatically renew each billing cycle at the then-applicable rate until you cancel. You will be charged on the same date each cycle. You may cancel at any time through the app settings or by contacting [email protected]. Upon cancellation, your benefits remain active until the end of your current billing period, after which your account reverts to the free tier (or, in the case of a Black-to-Pro downgrade, the Pro tier remains active until that subscription's own period ends).
Your Kronos account is subject to the Electronic Fund Transfer Act (EFTA) and Regulation E, which provide important protections for electronic transactions including direct deposits, P2P transfers, and debit card transactions.
Error Resolution: If you believe an unauthorized electronic fund transfer has been made from your account, or that your statement contains an error, contact us immediately at [email protected]. You must notify us within 60 days after the statement showing the error was sent to you. Provide your name, account information, the type and amount of the suspected error, and why you believe it is an error. We will investigate and resolve your claim within 10 business days (20 business days for new accounts). If we need more time, we may take up to 45 days, in which case we will provisionally credit your account within 10 business days.
Liability for Unauthorized Transfers: If you report an unauthorized transfer within 2 business days of learning about it, your liability is limited to $50. If you report after 2 business days but within 60 days of your statement, your liability may be up to . If you fail to report within 60 days, you risk unlimited liability for unauthorized transfers occurring after the 60-day period.
Kronos enables users to buy, sell, and hold cryptocurrency. Wallet addresses and private keys are generated and managed through on-device wallet, a blockchain infrastructure provider. Trading and liquidity are facilitated through integrations with major cryptocurrency exchange APIs. On-ramp (fiat-to-crypto) and off-ramp (crypto-to-fiat) services may be provided through one or more licensed third-party partners, which may change over time. Digital assets are not legal tender, are not backed by any government, are not FDIC-insured, and are subject to significant market volatility. Kronos does not guarantee the value of any cryptocurrency. You acknowledge the risks associated with digital asset trading, including the potential for complete loss of value, and agree that Kronos is not responsible for any losses resulting from market fluctuations, network failures, or third-party service disruptions.
Kronos offers gig earnings tracking, savings, crypto, and cashback tools.
Kronos pays yield on user balances at the following Annual Percentage Yield (APY) rates, all sourced from a third-party DeFi yield-routing position (see Section 11.5):
All APYs are variable and may change at our discretion with 30 days notice. Interest accrues daily based on time-weighted balance and is credited monthly. There is no minimum balance required to earn interest and no fees that reduce earnings. This disclosure is provided in compliance with the Truth in Savings Act and Regulation DD. The yield is sourced from underlying DeFi vault positions, not from FDIC-insured deposit accounts; see Section 11.5 for the full disclosure of how yield is generated and the risks involved.
How yield is generated. Kronos routes user U.S. Dollar Coin (USDC) balances through Spark Savings (a smart-contract product operated by Sky Protocol, the successor to MakerDAO), running on the Base Layer-2 network. The Spark vault holds USDC, lends it on-chain through the Sky Savings Rate (SSR), and accrues interest in real time. Kronos retains a portion of that interest as program revenue and credits the remainder to user balances as the tier APY described in Section 11. Kronos uses Turnkey, Inc. as a non-custodial wallet-key infrastructure provider; the wallet keys are policy-gated and can only execute pre-approved transactions against the Spark vault contracts and the Kronos HiFi USD-USDC bridge.
Not FDIC-insured. Funds deposited into the DeFi yield position are not FDIC-insured, are not bank deposits, are not Kronos obligations, are not guaranteed by any government agency, and may lose value. Yields are variable and not guaranteed. Funds held briefly in Kronos's HiFi spendable wallet during inbound or outbound transit may be eligible for FDIC pass-through insurance through HiFi's chartered partner banks, subject to HiFi's terms.
Risk factors include but are not limited to:
Non-custodial architecture. Yield-bearing positions are held in user-owned, policy-gated Turnkey wallets on the Base network. Kronos cannot unilaterally seize, freeze, or transfer funds out of the Spark position to a Kronos-controlled wallet other than the Kronos HiFi spendable wallet (for the purpose of fulfilling user-initiated outbound transfers). In the event Kronos ceases operations, users retain on-chain access to their proportional share of the Spark vault position.
Tax treatment. Interest credited to user balances may be reportable as taxable income. Kronos may issue an IRS Form 1099-INT or 1099-MISC where required. Users are responsible for their own tax compliance.
This disclosure was added 2026-05-17 in connection with the launch of the yield-by-default architecture and supersedes any prior representation that savings-account yield was generated through traditional bank deposit-and-lend operations.
Kronos Black Lifetime — Web-Exclusive Distribution: Kronos Black Lifetime ($1,599.99 USD, one-time payment, non-recurring) is sold exclusively via web checkout at getkronos.io/pro/checkout?tier=black&plan=lifetime. This product is not available through Apple In-App Purchase: the Apple App Store's standard pricing tiers do not support this price point, and Apple's Extended Price Tier programme requires per-account application and approval that Kronos is not pursuing for this product. Subscribers who purchase Kronos Black Lifetime through the web checkout are billed once via Astra (the Kronos payment processor) and receive permanent Kronos Black entitlement (no auto-renewal, no recurring charge). The web-exclusive Lifetime tier carries the same benefits as monthly and annual Kronos Black; users who previously purchased a Kronos Black Lifetime non-consumable IAP through the App Store (if any) retain their entitlement unchanged.
Wire Transfers: Kronos Black subscribers receive up to five (5) outgoing domestic wire transfers per calendar month at no additional cost. Wire transfers beyond the included five in a given month are billed at $10 per wire (vs. $25 per wire for Free and Pro tiers). Unused monthly wire allotment does not roll over. International wires, where supported, are billed at the same per-wire rate plus any third-party correspondent-bank fees, which Kronos may pass through.
International ATM Fee Reimbursement: Kronos Black subscribers receive up to $25 per calendar month in reimbursement of fees charged by foreign-issued ATMs for cash withdrawals. Reimbursement is calculated automatically based on the surcharge amount reported by the ATM operator and the card-network interchange. Reimbursements above the $25/month cap are not provided. Reimbursement applies only to fees charged by the ATM operator and does not include any currency-conversion markups applied by the card network or Kronos.
Peer-to-peer transfer limits: Kronos peer-to-peer transfers are unlimited and free on every tier (Free, Pro, Black). Transfers are subject to standard anti-fraud and anti-money-laundering risk monitoring, which may delay or decline a transfer in exceptional cases. There is no per-day or per-month dollar cap.
Mobile Check Deposit: Kronos does not currently service mobile cheque deposits. Add money via direct deposit, ACH bank transfer (free), or debit card top-up (instant; processor fee applies). For paper cheques, deposit them through your linked bank account and ACH the funds into Kronos.
Authorized User Card: Kronos Black includes one (1) authorized-user card at no additional cost. The primary account holder remains legally responsible for all charges on authorized-user cards. Additional authorized-user cards beyond the first are billed at our then-current rate.
Annual 1099 Tax Filing: Kronos Black subscribers receive one (1) free 1099 tax filing per calendar year through a third-party tax-preparation partner. The benefit covers the preparation and electronic filing of Schedule C, Schedule SE, and the relevant Form 1040 attachments for sole-proprietor gig income. State returns and federal returns for partnership/S-corp entities are not included. The benefit is non-transferable and expires if not claimed by April 15 of the year following the tax year.
Quarterly Investment Reviews: Kronos Black subscribers may book up to four (4) one-on-one investment-review sessions per calendar year with the Kronos team. These sessions are educational only and do not constitute personalized investment advice or a fiduciary relationship; Kronos is not a registered investment advisor.
Beta Feature Early Access: Kronos Black subscribers receive access to newly-released features approximately seven (7) days before they are made generally available to Free and Pro tiers. Early access does not guarantee feature stability, and Black users acknowledge that beta features may be modified, withdrawn, or contain bugs.
OTC Trading Desk Access: Kronos Black subscribers are eligible to request over-the-counter (OTC) routing for cryptocurrency trades with a notional value of $10,000 USD or greater. Black-tier OTC trades clear at a spread of approximately 0.1% (10 basis points) versus the standard 0.5% (50 basis points) retail spread available to Free and Pro tiers, subject to partner-desk pricing at the time of execution. OTC routing is provided through an independent institutional trading partner; Kronos does not act as a principal counterparty. Quoted spreads are indicative and may vary with market conditions. Trades below $10,000 USD are not eligible for OTC routing. Until the institutional OTC partner is fully onboarded, OTC trade requests may be queued and executed manually; subscribers will be notified once real-time routing is live.
Credit-Score Monitoring: Kronos Black subscribers are entitled to free continuous credit-score monitoring, including FICO score tracking and alerts from one or more major credit bureaus (Experian, Equifax, and/or TransUnion), via a third-party credit-data partner. The credit-monitoring service is provided "as is" by the partner; Kronos does not generate credit scores, does not furnish data to credit bureaus through this service, and is not a Consumer Reporting Agency under the Fair Credit Reporting Act (FCRA). Score availability and alert latency are subject to the partner's service-level commitments. The benefit is available only while the subscriber maintains an active Black subscription and may be modified or replaced if the credit-data partner is changed. Until the credit-data partner is onboarded, this benefit is provisional and may be unavailable.
Anniversary Credit: Beginning with the first calendar anniversary of a subscriber's initial Kronos Black activation, and on each subsequent anniversary thereafter, Kronos will credit the subscriber's wallet with one hundred U.S. dollars ($100) in USDC or equivalent dollar-pegged stablecoin selected by Kronos. The credit is paid automatically and is not transferable to a third party, redeemable for cash outside the Kronos platform, or creditable against tax liabilities. The anniversary clock is determined by the date the subscriber first transitioned into the Black tier; downgrade-then-re-upgrade may reset the clock at Kronos's discretion. The anniversary credit is conditional on active Black status on the anniversary date and is forfeited if the subscriber is downgraded prior to the credit date. First-year subscribers (those who have been on Black less than one full year) are not eligible — the first credit accrues at year one. Kronos reserves the right to modify or discontinue the anniversary credit benefit with thirty (30) days written notice.
AI Concierge: Kronos Black subscribers have access to an in-app AI assistant ("AI Concierge") that responds to natural-language queries about the subscriber's account, gig income, spending patterns, taxes, and general personal-finance topics. The AI Concierge is provided for informational and educational purposes only and does not constitute investment, legal, tax, accounting, or fiduciary advice. Output is generated by a third-party large-language-model service and may contain errors, omissions, or hallucinations; subscribers should independently verify any output before acting on it. Kronos disclaims liability for losses arising from reliance on AI Concierge output. The service may be modified, rate-limited, or temporarily suspended at Kronos's discretion.
Should I Buy AI: Kronos Black subscribers may submit purchase candidates (photo or URL) to an in-app AI module that returns a "fit" signal against the subscriber's recent spending pattern, savings rate, and gig income. The Should I Buy output is provided for informational and educational purposes only and does not constitute investment, legal, tax, or financial advice. Kronos does not guarantee outcomes from any purchase decision and disclaims liability for losses arising from reliance on the output.
Tax Extension Auto-Filing: Kronos Black subscribers may, once per tax year, request Kronos to electronically file IRS Form 4868 (Application for Automatic Extension of Time to File U.S. Individual Income Tax Return) on the subscriber's behalf through a third-party tax-filing partner. Filing is conditional on the subscriber's electronic attestation, prior to submission, that all facts and figures provided are accurate, complete, and not knowingly misleading. The subscriber retains sole responsibility for the accuracy of the underlying return and any payment of estimated tax owed; an extension to file is not an extension to pay. Kronos disclaims liability for penalties, interest, or audit consequences arising from inaccurate subscriber attestations or partner-side processing errors.
Birthday Bonus: Once per calendar year, on the date of birth associated with the subscriber's verified Kronos account, Kronos Black subscribers will receive an automatic credit of $25 USDC (or equivalent dollar-pegged stablecoin selected by Kronos) to their Kronos wallet. The birthday bonus has no cash equivalent, may not be redeemed for cash outside the Kronos platform, and is non-transferable to any other Kronos account or third party. Subscribers who change their date of birth on file (subject to identity-verification requirements) within ninety (90) days of the credit date forfeit eligibility for that calendar year. Kronos reserves the right to modify or discontinue the birthday bonus with thirty (30) days written notice.
Annual Merch Box: Kronos Black subscribers in good standing receive one (1) Kronos-branded merchandise shipment per calendar year of continuous Black subscription, including but not limited to apparel, accessories, and a hand-signed founder letter. Shipping is limited to addresses within the contiguous United States via standard ground service; international subscribers may request an equivalent statement credit in lieu of physical shipment, at Kronos's discretion. Merchandise design, contents, and total retail value may vary year over year. Kronos disclaims warranties regarding fit, size, or material; merchandise is not returnable for cash refund.
CLEAR / Hotel / Car-Rental Partner Programmes: Kronos Black subscriber benefits including CLEAR Plus enrollment, hotel elite status match (which may be issued through Hilton Honors, Marriott Bonvoy, World of Hyatt, or a comparable programme at Kronos's discretion), and rental-car elite status (Hertz Five Star and/or Avis Preferred Plus, or comparable programmes) are issued by independent third-party providers and are subject in all respects to the terms of those partners' programmes. Kronos pays the relevant fee and facilitates enrollment but is not a party to the partner agreement, does not control program rules or benefits, and is not liable for partner-side modifications, suspensions, or denial-of-service. Status match availability and duration vary by partner programme and may require activity to maintain past initial match. Subscribers must comply with each partner's terms of use, including identity verification, anti-fraud requirements, and any travel-frequency conditions.
Bundled Partner Memberships — Replaces Prior Statement Credit Program: Effective 2026-05-13, the prior Amex-style charge-triggered statement credit programme covering food delivery, Apple subscriptions, and streaming music has been retired. In its place, Kronos bundles partner memberships (e.g. Spotify, DashPass, Uber One, phone insurance) directly with each partner; the relevant partner benefit activates as each partner contract closes. Kronos will not bill subscribers for any inactive partner benefit. No statement credit is issued retroactively or prospectively under the retired programme. Kronos may add, modify, or discontinue any individual bundled partner membership with thirty (30) days written notice.
Travel Insurance: Kronos Black subscribers may be eligible for travel insurance coverage on qualifying trips charged in full to the subscriber's Kronos card, subject to per-trip policy limits (up to $10,000 trip cancellation, up to $25,000 emergency medical, additional sub-limits per partner schedule). Coverage is underwritten and administered by an independent third-party insurance partner; Kronos is not the insurer and does not adjudicate claims. Coverage scope, exclusions, claim procedures, and dispute resolution are governed by the partner policy documents, which Kronos will make available on request and at point of claim. Travel insurance is per-trip and is not a continuous policy.
Token Airdrops: Kronos Black subscribers may be allocated tokens distributed by third-party cryptocurrency projects ("airdrops") in connection with Kronos's partner-distribution arrangements. Token distributions, including eligibility, allocation size, timing, and any vesting or claim conditions, are governed exclusively by the issuing project's terms; Kronos does not issue, back, or guarantee the value of any airdropped token, and the value of an airdropped token may fall to zero. Subscribers acknowledge that they are responsible for any U.S. federal, state, or local tax consequences arising from receipt of airdropped tokens. Kronos may exclude any subscriber from a given airdrop where required by the issuing project's terms or by applicable sanctions or anti-money-laundering law.
Pre-IPO Equity Access: When and if Kronos rolls out a stocks / equities feature, Kronos Black subscribers may be offered first-look access to pre-IPO private secondary allocations sourced through a Kronos broker-dealer partner. Such allocations are securities transactions subject to (i) the partner BD's allocation discretion and compliance review, (ii) applicable accredited-investor or qualified-purchaser requirements under SEC Rule 506(c) and related rules, and (iii) any issuer-side transfer restrictions. Black status confers a right of first look only, not a right of allocation, and Kronos disclaims liability for any allocation denial, post-allocation transfer restriction, or loss of value. Pre-IPO equity transactions are not deposit products, are not FDIC-insured, are not Kronos obligations, and may lose value.
DUNS Number Setup: Kronos Black subscribers operating as sole proprietors or as a legal business entity may request Kronos to facilitate registration for a Dun & Bradstreet D-U-N-S number on the subscriber's behalf, with Kronos covering the partner-side registration fee where applicable. Registration is subject to D&B eligibility criteria, including verification of business existence, address, and identity of the requesting individual, which Kronos cannot override. Kronos disclaims responsibility for the timing or outcome of D&B's underwriting, the contents of any resulting D&B business profile, or downstream credit decisions made by lenders or platforms relying on the D-U-N-S number.
You agree not to use Kronos for any unlawful purpose, including money laundering, terrorist financing, fraud, sanctions evasion, or any activity that violates applicable federal, state, or local laws. You further agree not to use Kronos to process transactions on behalf of third parties without authorization, to circumvent any security measures or access controls, or to engage in market manipulation of digital assets. Violations may result in immediate account suspension, reporting to law enforcement and regulatory authorities, and forfeiture of funds where required by law.
Kronos integrates with third-party services including banking partners, on-device key derivation (BIP32/BIP39), cryptocurrency exchange APIs, gig platform APIs (Uber, DoorDash, Lyft, Instacart, and others), payment networks (Apple Pay, Google Pay), and identity verification providers. These services are governed by their own terms and privacy policies. Kronos is not responsible for the availability, accuracy, or reliability of third-party services, and makes no warranties regarding data obtained from gig platforms or other external sources. Service interruptions by third-party providers do not constitute a breach of these Terms by Kronos.
Subject to these Terms, KronosPay LLC grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Kronos mobile application ("App") on devices that you own or control, solely for your personal, non-commercial financial management purposes.
You agree not to: reverse engineer, decompile, disassemble, or attempt to derive the source code of any part of the App; modify, adapt, translate, or create derivative works based on the App; copy, distribute, sell, sublicense, rent, or lease the App or any portion thereof; remove, alter, or obscure any proprietary notices, labels, or marks on the App; or use the App for any purpose other than its intended personal financial management use.
Your use of the App is also subject to the terms of the applicable app store (Apple App Store or Google Play Store). In the event of any conflict between these Terms and app store terms, these Terms shall govern to the extent permitted. This license is effective until terminated. It terminates automatically if you fail to comply with any term of this Agreement. Upon termination, you must cease all use of the App and delete all copies.
Kronos is currently operating in a beta testing phase. Your use of the Service during the beta period is additionally governed by our Beta Test Agreement, which supplements these Terms. By using Kronos during the beta period, you acknowledge that the Service is under active development and may contain bugs, errors, or incomplete features.
During the beta period, the Service is provided "AS IS" and "AS AVAILABLE" without warranty of any kind. See the Beta Test Agreement for complete beta-specific terms including confidentiality obligations, liability limitations, and feedback provisions.
All content, features, and functionality of Kronos — including the name, logo, design, software, text, and graphics — are owned by KronosPay LLC and are protected by United States copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any Kronos content without our prior written consent. "Kronos," "KronosPay," and the Kronos logo are registered trademarks of KronosPay LLC.
Your use of Kronos is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our services, you consent to the practices described therein. For privacy-related inquiries, contact [email protected].
You agree to indemnify, defend, and hold harmless KronosPay LLC, its officers, directors, employees, agents, and partners from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from: (a) your use of or inability to use Kronos; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) your violation of any third-party rights, including intellectual property rights.
To the maximum extent permitted by law, KronosPay LLC and its officers, directors, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including but not limited to loss of data, loss of profits, or cryptocurrency value depreciation. Our total aggregate liability shall not exceed the greater of (a) the amount you have paid to Kronos in the twelve (12) months preceding the claim or (b) one hundred dollars ($100). This limitation applies regardless of the theory of liability.
Any disputes arising from these Terms or your use of Kronos shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, conducted in the state of Delaware. You agree to waive any right to a jury trial or participation in a class action lawsuit. Either party may seek injunctive relief in a court of competent jurisdiction to prevent irreparable harm pending the outcome of arbitration. Small claims court actions (under $10,000) are exempt from this arbitration requirement.
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. Any legal proceedings not subject to arbitration shall be brought exclusively in the federal or state courts located in Delaware.
Kronos shall not be liable for any failure or delay in performing its obligations where such failure or delay results from circumstances beyond our reasonable control, including but not limited to: natural disasters, acts of government, pandemics, cyberattacks, power outages, telecommunications failures, banking system outages, blockchain network congestion, or third-party service provider failures.
We reserve the right to modify these Terms at any time. Material changes will be communicated via email or in-app notification at least 30 days before taking effect. Continued use of Kronos after changes become effective constitutes acceptance of the revised Terms. If you do not agree with any modifications, you must discontinue use and close your account.
We may suspend or terminate your account at any time for violations of these Terms, suspected fraudulent activity, regulatory requirements, or as required by law. You may close your account at any time by contacting [email protected]. Upon termination, any remaining balance will be returned to your linked bank account within 5 business days, minus any outstanding fees or amounts owed. Sections relating to intellectual property, indemnification, limitation of liability, dispute resolution, and governing law shall survive termination.
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy, Beta Test Agreement, Cookie Policy, and any supplemental agreements, constitute the entire agreement between you and KronosPay LLC regarding your use of Kronos, and supersede all prior agreements and understandings.
For questions about these Terms, contact us at [email protected]. For legal inquiries, write to: KronosPay LLC, Attn: Legal Department.