Terms of Service
Effective Date: September 23, 2026
1. Agreement to Terms
By accessing or using AssetPay's services, API, or platform (collectively, the "Platform"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you are entering into these Terms on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind such entity to these Terms.
2. Business-to-Business (B2B) Scope of Service
Pure B2B Platform
AssetPay operates strictly as a Business-to-Business (B2B) platform and digital asset trading pipeline. AssetPay directly buys and sells virtual items and in-game digital assets (commonly referred to as "skins") exclusively to and from verified business entities ("Integrated Partners" or "Clients") that have integrated with the Platform via API or contractual agreement.
Consumer Exclusion (No B2C)
AssetPay does not buy, sell, trade, or process transactions directly with individual retail consumers. Individual consumers are strictly prohibited from creating accounts or attempting to buy or sell virtual items directly with AssetPay. Any end-users accessing services provided by an Integrated Partner remain sole clients of that Integrated Partner, and no direct contractual or commercial relationship is established between AssetPay and any individual consumer.
3. Account Registration & Eligibility
Business Verification
To access our Platform, you must register as a corporate entity or business client and complete our Know Your Business (KYB) and merchant onboarding requirements, providing accurate legal name, registration numbers, tax details, and authorized representative information.
Account Security
Integrated Partners are solely responsible for:
- Maintaining the confidentiality of API keys, credentials, and account credentials.
- All transactions, orders, and automated operations executed under their account credentials.
- Notifying AssetPay immediately upon discovering any security compromise or unauthorized access.
4. Virtual Item Transactions
Direct Purchase and Sale
All transactions executed via the Platform constitute direct B2B buying and selling of virtual items (skins) between AssetPay and the Integrated Partner. Ownership and legal title to virtual items pass directly between AssetPay and the Integrated Partner upon execution of the transaction.
Settlement & Verification
- All digital asset deliveries and payments are subject to automated verification and compliance clearance.
- AssetPay reserves the right to hold, cancel, or reverse any transaction suspected of market manipulation, fraud, or technical error.
Transaction Disputes
Disputes regarding item condition, valuation, API delivery failures, or accounting reconciliations must be submitted in writing to AssetPay within 14 days of the transaction date.
5. Fees and Payment Settlement
Commercial Terms
Transaction pricing, wholesale rates, spreads, and service fees are set forth in individual partner commercial agreements or the Platform interface.
Fee Changes
AssetPay reserves the right to modify its standard rate schedules upon 30 days' advance notice to Integrated Partners.
6. Intellectual Property
All content, API specifications, platform architecture, logos, and proprietary software on assetpay.gg are the exclusive property of AssetPay (operated by Skinsauna Oy) and protected by international intellectual property laws.
7. Prohibited Activities
Integrated Partners agree not to:
- Attempt to register individual consumers directly on the Platform.
- Utilize the Platform for money laundering, sanctions evasion, or illicit financing.
- Interfere with, scrape, or perform unauthorized load-testing on the API architecture.
- Submit corrupted, fraudulently obtained, or stolen virtual items for sale to AssetPay.
8. Termination
Termination by Client
Integrated Partners may terminate their account by providing written notice and settling all outstanding ledger balances.
Termination by AssetPay
AssetPay may immediately suspend or terminate access to the Platform if the Integrated Partner:
- Breaches any provision of these Terms or applicable B2B partner agreements.
- Fails ongoing KYB/AML compliance audits.
- Engages in fraudulent or unauthorized transactions.
9. Disclaimers & Limitation of Liability
"As Is" Availability
AssetPay provides its trading platform, APIs, and digital asset valuation tools on an "as is" and "as available" basis without warranties of uninterrupted uptime or error-free processing.
Limitation of Liability
To the maximum extent permitted by applicable law, AssetPay shall not be liable for any indirect, consequential, special, or punitive damages, including loss of profit, business interruption, or Steam network downtime/trade-lock restrictions.
10. Indemnification
Integrated Partners agree to defend, indemnify, and hold harmless AssetPay, its parent company, affiliates, and officers from any third-party or consumer claims, liabilities, or expenses arising from the Integrated Partner's direct relationship with their own end-users or breach of these Terms.
11. Governing Law & Dispute Resolution
Governing Law
These Terms shall be governed by and construed in accordance with the laws of Finland, without regard to conflict of law principles.
Binding Arbitration
Any dispute, controversy, or claim arising out of or relating to these Terms or the breach, termination, or validity thereof shall be finally settled by binding arbitration in accordance with the Arbitration Rules of the Finland Chamber of Commerce. The seat of arbitration shall be Helsinki, Finland, and the language of the proceedings shall be English.
12. Contact Information
For legal notices, B2B integration inquiries, or compliance matters:
- Email: admin@assetpay.gg
- Company: Skinsauna Oy (Operating AssetPay)
- Address: Kuuterseläntie 1b, 02130 Espoo, Finland
Last updated: July 3, 2026