This Legal Notice establishes the conditions of use of the Website, (hereinafter the Website). The use of the same attributes to the navigator the condition of User, which implies the adherence and commitment to comply with each and every one of the conditions contained in this Legal Notice, in the version published at the time it is accessed, Therefore, the User is recommended to read this Legal Notice carefully each time he accesses the Website. These Conditions will be applicable regardless of the existence of other specific conditions applicable to certain services provided on the Website.
Identifying data of the Service Provider Denominación: 
PayBanQ Ltd (hereinafter KuapEX), with its registered office at Blvd. 10, Sinchets St 1st floor, 1164 Lozenets, Sofia, Bulgaria and with company registration number UIC 207139780.
Terms and conditions of use.
The terms and conditions contained in this Legal Notice will apply to all those pages that appear within the Site Map, which are the only ones included in this Website.
Access to this Website is the sole responsibility of the Users and implies accepting these terms and conditions of use.
The User must make lawful use of this Website and its services in accordance with these terms and conditions of use and current legislation.
PayBanQ Ltd may unilaterally modify the terms and conditions of use of this Website by publishing it in this legal notice, and they will take effect from the moment they are published.


PayBanQ Ltd is not responsible for nor does it guarantee that access to the Website will be uninterrupted or error-free. Nor is it responsible for or guarantee that the content or software that can be accessed through the Website, is free from error or causes damage. In no case, Kua Pay Exchange will be liable for losses, damages or damages of any kind arising from accessing and browsing the Website, including but not limited to those caused to computer systems or those caused by the introduction of virus.
PayBanQ Ltd is not responsible for any damages that may be caused to Users by improper use of the Website. In particular, it is not responsible in any way for the falls, interruptions, lack or defect of telecommunications that may occur while the User navigates through it.

Access and security.

Access to transactional services and those that include the capture of personal data is done in a secure environment using the 128-bit SSL (Secure Socker Layer) protocol. The secure server establishes a connection so that the information is transmitted encrypted. This ensures that the transmitted content is only intelligible to the client computer and the Kua Pay Exchange server. The User can verify that they are within a secure environment if a closed padlock appears in the status bar of their browser. The security guarantee of our servers is backed by a certificate issued by the company COMODO RSA Domain Validation Secure Server CA. This certificate guarantees that the client is communicating their data to a Kua Pay Exchange server and not to a third party that tries to impersonate it.


PayBanQ Ltd makes every effort to avoid any error in the content that may appear on the Website.
PayBanQ Ltd does not guarantee, nor is it responsible for the consequences that may arise from errors in the content that may appear on the Website.
Updates and Modifications on the Website.
The information that appears on the Website is current on the date of its last update. Kua Pay Exchange is not responsible for the topicality and suitability of the information contained therein.
The User may not alter, change, modify, or adapt the Website. Kua Pay Exchange reserves the right to make as  many updates, changes and modifications as it deems appropriate, being able to make use of such power at any time and without prior notice.
PayBanQ Ltd reserves the right to unilaterally modify the conditions and terms of use of the Website, including this Legal Notice.

Intellectual and Industrial Property.

This Website, its source code and the contents that are protected by the Intellectual Property Law. They may not be the object of exploitation, reproduction, distribution, modification, public communication, assignment or transformation, unless expressly authorized by the holders of the rights.
The design, images, labels, distinctive signs, trade name, trademarks, logos, products and services that this Website contains are protected by Industrial Property Law.
Access to this Website does not grant Users the right or ownership of the intellectual or industrial property rights or the content it houses. Users who access this Website may not copy, modify, distribute, transmit, reproduce, publish, assign or sell the aforementioned elements or create new products or services derived from the information obtained without the express and written authorization of the rights holders.
.The alteration of the content or structure of this Website by the User is strictly prohibited.
PayBanQ Ltd reserves the possibility to exercise the corresponding legal actions against Users who violate or infringe intellectual and industrial property rights


The Website may incorporate access links (hyperlinks or links) to other web pages of which PayBanQ Ltd is not the owner. In no case, this possibility will imply the existence of a relationship between PayBanQ Ltd and the owner of the Website to which said hyperlink redirects, not even its approval or acceptance. PayBanQ LTd will not be responsible for the legality of the content posted on it.
Any other website will be prohibited from incorporating a hyperlink to the PayBanQ Ltd website, without its express authorization. In any case, said authorization will imply that the hyperlink is not made in a way that damages the public image and brand of PayBanQ Ltd or of the Website itself, as well as of the third parties that appear referenced in it.
Any other website will be prohibited from incorporating a hyperlink to the PayBanQ Ltd website, without its express authorization. In any case, said authorization will imply that the hyperlink is not made in a way that damages the public image and brand of PayBanq LTd or of the Website itself, as well as of the third parties that appear referenced in it.
PayBanQ Ltd will remove any link as soon as it becomes aware by any means of the illegality of its content or that the property or rights of a third party are harmed by them.

Privacy Policy of the Website.

In compliance with the provisions of Organic Law 15/99 of December 13, Protection of personal data, we inform you that the personal data communicated while browsing and using this Website, as well as any others provided by the User, will be treated in accordance with the requirements established in said law and its implementing regulations and incorporated into a file owned by PayBanq Ltd The User will be solely responsible for the veracity of the data entered.
Your data will be used to allow proper navigation and use of the Website. When data is requested for other purposes, Users will be duly informed of the conditions of their treatment, purpose, uses and recipients of the information communicated.
PayBanQ Ltd has adopted the technical and organizational measures necessary to guarantee the security and integrity of the data, as well as to avoid its alteration, loss, treatment or unauthorized access.
The data requested in the different forms on the Website are those strictly necessary to meet your request, which you voluntarily communicate to us. The refusal to provide the data classified as mandatory will suppose the non-provision or the impossibility of accessing the service for which they were requested. Likewise, data may be provided on a voluntary basis with the aim that the services offered can be optimally provided.
In the event that the Users of the Website must provide their email address to access some of the services offered, they may state that they do not wish to receive any type of commercial communication that PayBanq Ltd could send, provided that it is not strictly linked to the purpose for which the service was requested. The User has recognized the rights of access, rectification, opposition and cancellation, which may be exercised free of charge by sending a communication, attaching a document that proves his identity and expressly indicating the right he wishes to exercise, to PayBanQ Ltd (hereinafter KuapEX), with its registered office at Blvd. 10, Sinchets St 1st floor, 1164 Lozenets, Sofia, Bulgaria and with company registration number UIC 207139780, or by sending an email to

Cookies policy

Before you start browsing the Web we would like to inform you that we use cookies for different purposes on the Web so that you can decide if you want them to be installed on your computer or not. If you continue browsing, PayBanQ Ltd. will deduce that you accept the installation of cookies, granting us the consent to install them on your computer
Cookies are small information files that are sent and stored on the computer from which you access the Web or mobile application owned by PayBanQ Ltd, (PC or personal computer, mobile phone, tablet or television connected) facilitating the use of it, to offer a better service. uses both its own and third-party cookies that help us improve quality by allowing us to compare, remember, control and understand how our users navigate through the Web, identifying what they find useful and what not and thus be able to improve the navigation process.


The cookies used by the Web do not harm your computer. They only serve to improve the services offered. Some are strictly necessary for the page to function well (technical and personalization) and others serve to improve performance and user experience (analysis, advertising and behavioral advertising).
The Web uses both session cookies, temporary, and permanent cookies. Session cookies store data while the user accesses the Web, they expire when the browser is closed; While permanent cookies store data in the terminal to be accessed and used in more than one session, they usually expire after a period of time that can range from two months to two years.


You have the option to allow, block or delete the cookies installed on your computer by configuring the browser options installed on your computer. By deactivating cookies, some of the available services may no longer be operational. The way to disable cookies is different for each browser, but it can usually be done from the Tools or Options menu. You can also consult the Help menu of the browser where you can find instructions. The user may -at any time- choose which cookies he wants to work on this website by configuring the browser; for example:
Microsoft Internet Explorer
Mozilla Firefox
Google Chrome


Depending on the purpose for which the data obtained through cookies is processed, the Web may use:
Technical cookies: are those that allow the user to navigate through a web page, platform or application and to use the different options or services that exist in it, such as, for example, controlling traffic and data communication, identifying the session, and accessing parts of restricted access.
Personalization cookies: these are those that allow the user to access the service with some predefined general characteristics based on a series of criteria in the user’s terminal, such as the language, the type of browser.
Analysis cookies: they are those that allow the monitoring and analysis of the behavior of the users of the websites to which they are linked. The information collected through this type of cookie is used to measure the activity of the Web sites, application or platform and to create user navigation profiles.
Advertising cookies: are those that allow the management, in the most efficient way possible, of advertising spaces.
Behavioral advertising cookies: these cookies store information on the behavior of users obtained through the continuous observation of their browsing habits, which allows the development of a specific profile to display advertising based on it.
Cookies from external social networks: which are used so that visitors can interact with the content of different social platforms (facebook, youtube, twitter, linkedIn, etc.) and which are generated only for the users of said social networks. The conditions of use of these cookies and the information collected are regulated by the privacy policy of the corresponding social platform.


The specific opt-out systems indicated in the table above with respect to the cookie in question (these systems may lead to a «rejection» cookie being installed on your computer so that your deactivation choice works); or other third-party tools, available online, that allow users to detect cookies on each website they visit and manage their deactivation.
PayBanQ Ltd no se hace responsable del contenido y veracidad de las políticas de privacidad de los terceros incluidas en esta política de cookies. Cualquier duda o cuestión que tenga sobre esta política de cookies, puede contactar con PayBanQ Ltd,en
Applicable Legislation and Competent Jurisdiction.
The terms and conditions that govern the Website and all the relationships that may arise are safeguarded by Spanish legislation.
Any controversy that may arise from the access or use of the Website is subject to the exclusive jurisdiction of the Courts and Tribunals of Sofia (Bulgaria)