Terms & Conditions

Last updated 2 August 2026

In short: CutLuy is software that helps you accept KHQR payments into your own bank account — we are not a bank and we never hold your money. You may only use it for lawful business. Plans are prepaid for 30 days and do not renew automatically. If you use CutLuy for illegal activity we will suspend your account.

1. This agreement

These Terms & Conditions are an agreement between you (or the business you represent) and CutLuy. By creating an account, calling our API, or accepting a payment through us, you agree to them. If you are agreeing on behalf of a company, you confirm you are authorised to bind it.

Our Privacy Policy forms part of these terms.

2. What CutLuy is — and is not

CutLuy is a technical layer: an API, hosted checkout pages, and webhooks that sit on top of a payment rail you already have access to. You connect your own payment link, and payments settle directly into your own bank account.

We are not a bank, payment institution, or money transmitter, and we do not provide financial or legal advice.
We never take custody of your funds. We cannot move, freeze, hold, or refund money on your behalf.
Your relationship with your bank, and with your own customers, remains yours. So do refunds, chargebacks, disputes, receipts, and customer support.

3. Lawful use only

You may use CutLuy only for legal activities. You are responsible for complying with all laws that apply to you, including the laws of the Kingdom of Cambodia and any other jurisdiction you operate in or sell into — and for holding any licence, permit, or registration your business requires.

You must not use CutLuy, directly or indirectly, to collect payment for or in connection with:

Fraud, deception, or any scheme designed to obtain money by false pretences.
Money laundering, terrorist financing, or evading sanctions or currency controls.
Illegal drugs, weapons, explosives, stolen goods, protected wildlife, or other prohibited or counterfeit goods.
Human trafficking, forced labour, child exploitation, or any content or service involving minors.
Gambling, lotteries, or betting without the licences required where you and your customers are located.
Unlicensed financial services, including unregistered money transfer, lending, currency exchange, or investment schemes; and pyramid, Ponzi, or matrix schemes.
Malware, phishing, credential theft, ransomware, or attacks on others' systems.
Infringing someone else's intellectual property, or content that is unlawful, defamatory, or violates someone's privacy.
Processing payments that belong to another business as if they were your own ("transaction laundering"), or reselling access to your CutLuy account to a third party.

You must not attempt to bypass quotas or authentication, probe or disrupt the service, reverse engineer it, or use it in a way that degrades it for others. Automated volume beyond your plan's quota should be handled by upgrading, not by circumventing limits.

4. Your account

Keep your account details accurate, and keep your API keys and webhook secrets confidential. Anything done with your API keys is treated as done by you, so revoke a key immediately if it may have been exposed — you can do that yourself from the dashboard at any time.

You must be at least 18 years old and legally able to enter contracts. Tell us promptly at [email protected] if you suspect unauthorised access.

5. Plans, quotas, and payment

Each plan includes a number of successful transactions per period. A transaction counts against your quota when it reaches paid. Quota is pooled across every store on your account.

A period is 30 days from the day you pay, not a calendar month. Paying on the 20th means your quota resets on the 20th.
Plans do not auto-renew. Payment is one-time and buys 30 days. When that time runs out, the account returns to the Free plan until you pay again.
When you reach your quota, new payment creation returns 402 quota_exceeded until the period resets or you upgrade. Payments already in flight are unaffected.
Plan fees are prepaid and non-refundable except where the law requires otherwise. We may change pricing with notice; changes never apply to a period you have already paid for.

6. Suspension and termination

We may suspend or close an account that breaches these terms — particularly section 3 — or where we are required to by law or by our banking partner, or where activity presents a serious risk of fraud or harm.

A suspended account can still sign in, but cannot create new payments and its API returns 403 account_suspended. We deliberately let payments that are already in progress finish settling so your customers' money is not left in limbo.

Where it is lawful and practical we will tell you why and give you a chance to put things right. You may close your account at any time by contacting us; fees already paid are not refunded.

7. Availability and changes

We work to keep CutLuy available and correct, but we do not promise uninterrupted or error-free service. The service depends on infrastructure and a payment rail we do not control, and either can fail or change.

We may change or discontinue features. For changes that would break a working integration, we will give reasonable notice through the dashboard, the docs, or email. Design your integration to handle retries and to verify webhook signatures.

8. Warranties and liability

The service is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

To the fullest extent permitted by law, we are not liable for lost profits, lost revenue, lost or corrupted data, or indirect, special, or consequential loss. Our total liability for any claim relating to the service is limited to the plan fees you paid us in the three months before the event giving rise to the claim.

Because funds move directly between your customer and your bank, we are not responsible for the payments themselves — including a payment that fails, is delayed, is duplicated, or is disputed at your bank.