Legal notices & disclaimers
The information below governs the use of this website and the consulting services provided by SaPay.
Nature of services
SaPay is an independent business consulting firm focused on international banking access, payment institution solutions, compliance preparation, and corporate structuring. SaPay is not a bank, payment institution, law firm, or tax advisor. We do not hold client funds, provide regulated financial services, or render legal or tax opinions. Where such services are required, we coordinate with regulated and licensed third parties.
No guarantee of outcomes
Account opening, onboarding, and ongoing banking relationships are subject to the policies of individual financial institutions. While we work to prepare and present each case to the highest standard, SaPay cannot and does not guarantee the approval, continuation, or terms of any banking, payment institution, or financial product. Account opening and onboarding decisions remain at the sole discretion of the relevant financial institution.
Confidentiality
Information shared with SaPay during enquiries or engagements is treated as confidential and used only to evaluate and deliver the requested consulting services. Information may be shared with prospective banking and payment institution partners strictly as required to progress a client's case, and with the client's consent.
Privacy
Personal data submitted through this website or in the course of an engagement is processed in accordance with applicable data protection laws. Data is retained only for as long as necessary to deliver the requested services and to meet legal and regulatory obligations. Requests regarding personal data may be directed to contact@sapay.eu.
Terms of use
Content on this website is provided for general informational purposes only and does not constitute legal, tax, regulatory, or financial advice. Use of this website does not create a consulting or client relationship. Such a relationship is established only by a separate written engagement.
Anti-money laundering
SaPay does not work on cases involving sanctioned individuals or entities, illicit activities, or funds of unlawful origin. Prospective clients may be asked to provide identification, source-of-funds documentation, and background information consistent with international anti-money laundering and counter-terrorist financing standards.
Last updated: June 2026