Effective Date: 10.11.2026
SelfiPay is an application (hereinafter referred to as “SelfiPay“, “the application”, “We” or “Us”), operated by CRIOPAY AD, a joint stock company registered in the territory of the Republic of Bulgaria with UIC 207839409 and an address at Office Park Expo 2000, bul. Nikola Vaptsarov 55, Sofia 1407, Bulgaria.
SelfiPay aims to revolutionize the way people make payments by using facial recognition technology for fast, secure, and contactless transactions. Our goal is to eliminate the need for physical cards, cash, or phones, providing a seamless shopping experience while ensuring top-tier security with encryption and tokenization. We are committed to driving the future of payments by making everyday transactions smarter, safer, and more convenient for everyone.
These Terms and Conditions ("Terms") govern your access and use of SelfiPay's services, software, applications, and related technologies ("Services"). By accessing or using our Services, you agree to comply with these Terms.
By using SelfiPay, you confirm that you are 18 years or older, or if under 18, have obtained parental consent. Your continued use of SelfiPay constitutes your acceptance of these Terms and any future updates.
The subject of the Terms and Conditions is the definition of the rules for:
Please note that these Terms and Conditions do not apply to your use of payment services provided by your payment card issuer, which includes the conditions for executing payment transactions with your payment card. These services are provided on the basis of an agreement between you and the relevant payment service provider.
SelfiPay takes the privacy of its users very seriously. For the current SelfiPay Privacy Policy, please click here.
You represent and warrant that you are an individual of legal age to form a binding agreement. If you are under the age of 18, please do not use the Service of SelfiPay.
You will only use the Service for your own internal, personal, non-commercial use, and not on behalf of or for the benefit of any third party, and only in a manner that complies with all laws that apply to you. If the use of the Service is prohibited by applicable laws in the jurisdiction in which you are located, it is recommended that they should not be used.
We shall not be liable for any use of the Service by you that is in violation of the law. You agree to use SelfiPay in a manner that is lawful, respectful, and consistent with community standards. You agree not to:
We may amend these Terms and Conditions from time to time. Every time you wish to use our application, please check the Terms and Conditions to ensure you understand the terms that apply at that time. We will notify You of any material changes by posting the updated Terms and Conditions in the application or through other appropriate communication methods.
Where an amendment materially changes Your rights or obligations under these Terms and Conditions, You will be required to review and accept the updated Terms and Conditions before continuing to use the relevant Services.
For changes that are not material, the updated Terms and Conditions will become effective upon their publication in the application, and Your continued use of SelfiPay thereafter will constitute acceptance of the updated Terms and Conditions.
We are always trying to improve our Service, so they may change over time. We may suspend or discontinue any part of the Service, or we may introduce new features or impose limits on certain features, or restrict access to parts or all of the Service. We will give you notice when we make a material change to the Service that would adversely affect you. We reserve the right to remove any content from the Service at any time, for any reason, in our sole discretion, and without notice.
Where a change to the Services materially affects processing activities based on Your consent, You will be informed of the relevant change and, where required by applicable law, asked to provide a new or additional consent before the relevant processing takes place.
To access the Service and the features of SelfiPay, you need to make a registration in the application.
During the registration process, you will be required to:
To enable biometric payment functionality, you will be required to complete a facial scan and provide your explicit consent to the processing of your biometric data. The facial scan is used to create the biometric template associated with your SelfiPay profile, as further described in Section 8 below.
You may subsequently add a credit or debit card for use in connection with the biometric payment functionality, as described in Section 9 below.
You may also provide your first and last name and email address as required to complete your profile.
You may create a 4-digit PIN code linked to your account, which serves as an additional security measure. Where required, a transaction may require both successful biometric authentication and entry of your SelfiPay PIN.
Remember that all your personal data provided to us should be accurate, true, up-to-date and not misleading. The use of information or documents of other individuals, as well as the use of forged, counterfeited, altered, falsified or untrue documents, is strictly prohibited.
To use SelfiPay's biometric payment functionality, you are required to complete an initial facial scan and provide your separate explicit consent to the processing of your biometric data.
The facial scan is used to generate an encrypted biometric template representing your facial characteristics. The biometric template is associated with your SelfiPay profile and is subsequently used to authenticate you when you authorise payments using SelfiPay.
When you subsequently add a payment card for use with SelfiPay, the card is associated with your SelfiPay profile in accordance with Section 9.
When making a biometric payment at a “Biometric POS” Terminal, your facial characteristics are captured and compared with your biometric template in order to authenticate you for the relevant payment.
Following successful biometric authentication, your biometric template may be updated using information derived from the successful authentication event. This forms part of SelfiPay's biometric functionality and is intended to maintain and improve the accuracy and reliability of biometric matching over time.
The processing of biometric data is subject to your separate explicit consent and is carried out as described in the SelfiPay Privacy Policy.
You may add a payment card for use in connection with SelfiPay's biometric payment functionality during or after the registration process.
When adding a payment card, you will be required to provide the payment card information requested through the relevant payment interface. Payment card details are provided directly to and processed by the relevant payment service provider. CRIOPAY does not collect, receive or store your payment card details.
Once the payment card has been successfully added, it is associated with your SelfiPay profile for the purpose of enabling biometric payment functionality.
You may remove a payment card associated with your SelfiPay profile at any time using the functionality available in the application. Removing a payment card disables the ability to make biometric payments using that card.
You may only add a payment card if you are its rightful holder and have the necessary rights to use that card.
You must not add a payment card that:
Where we become aware that a payment card associated with your SelfiPay profile falls within any of the circumstances described above, its use in connection with SelfiPay may be restricted or disabled.
In order to make a payment using our Services, you must have completed the biometric enrolment process and have a payment card associated with your SelfiPay profile.
For this purpose, a “Biometric POS” Terminal will be placed in the stores where you can make purchases, through which you can make a payment just by scanning your face.
Upon authorizing a payment by performing a facial scan, the payment card associated with Your SelfiPay profile is used for the relevant payment transaction.
As part of SelfiPay, We neither provide a payment service nor mediate in the transfer of funds.
SelfiPay has no control over your balance and is not liable in the event of a declined transaction by the financial institution that issued your payment card. In such a case, please contact the latter.
To submit a payment via the “Biometric POS” Terminal, You shall have completed the biometric enrolment process and have a payment card associated with Your SelfiPay profile.
To submit a payment using “Biometric POS” Terminals, you should follow these steps:
The completion of the activities specified in this section of the Terms and Conditions constitutes the submission of payment via the “Biometric POS” Terminal.
The use of SelfiPay should only be for purposes and in a manner consistent with the law, good practices, and the Terms and Conditions. SelfiPay is intended for non-business, non-professional use only.
We do not charge any fees for using the application.
The application provides You with the ability to view Your history of payment submissions.
Except and solely to the extent such a restriction is impermissible under applicable law, you may not: (a) reproduce, distribute, publicly display, publicly perform, or create derivative works of the Service; (b) make modifications to the Service; or (c) interfere with or circumvent any feature of the Service, including any security or access control mechanism. If you are prohibited under applicable law from using the Service, then you may not use it.
By using the Service, You agree not to:
SelfiPay applies appropriate technical and organisational measures to protect the security of its users’ data and accounts.
You are responsible for maintaining the security of Your SelfiPay account, supported mobile device, SelfiPay PIN and other credentials. You must not allow any third party to access or use Your SelfiPay account or credentials.
SelfiPay is intended for Your personal use only. You must not allow another person to use Your SelfiPay account or provide another person with Your SelfiPay PIN or other credentials.
You must take reasonable steps to protect Your mobile device, SelfiPay PIN and other credentials against loss, theft, misappropriation and unauthorised access or use.
If You intentionally provide another person with access to Your supported mobile device, SelfiPay PIN or other credentials, that person may be able to access Your SelfiPay account or perform transactions using Your account. You will be responsible for activities carried out through Your account as a result of such access, to the extent permitted by applicable law.
As a user of SelfiPay, you agree not to:
We value your privacy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information. By using SelfiPay, you agree to the terms outlined in our Privacy Policy.
Where the processing of Your Personal Data requires Your consent, including where explicit consent is required for the processing of biometric data, such consent will be requested separately in accordance with applicable data protection law.
For more information regarding the categories of Personal Data processed in connection with Your registration and use of SelfiPay, Your rights and how to exercise them, please refer to our Privacy Policy.
All content on SelfiPay, including text, images, trademarks, and software, is property of SelfiPay or its licensors. You may not use, copy, distribute, or exploit any part of the Services or content without our express written permission.
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL SELFIPAY BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, OR ANY OTHER INTANGIBLE LOSS) ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, THE SERVICE OR ANY MATERIALS OR CONTENT ON THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT ANY SELFIPAY ENTITY HAS BEEN INFORMED OF THE POSSIBILITY OF DAMAGE
EACH PROVISION OF THESE TERMS THAT PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS INTENDED TO AND DOES ALLOCATE THE RISKS BETWEEN THE PARTIES UNDER THESE TERMS. THIS ALLOCATION IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN THE PARTIES. EACH OF THESE PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER PROVISIONS OF THESE TERMS. THE LIMITATIONS IN THIS SECTION WILL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
If You become aware or reasonably suspect that Your mobile device, SelfiPay PIN or other credentials have been lost, stolen, compromised or accessed or used without Your authorisation, You should notify Us without undue delay at support@criopay.com.
If Your payment card is lost, stolen, misappropriated or used without Your authorisation, You should notify the relevant payment card issuer without undue delay and follow any instructions or procedures provided by the payment card issuer.
Where appropriate, You should also remove the relevant payment card from Your SelfiPay profile using the functionality available in the application.
To the fullest extent permitted by law, you are responsible for your use of the Service, and you will defend and indemnify SelfiPay, its affiliates and their respective shareholders, directors, managers, members, officers, employees, consultants, and agents (together, the “SelfiPay Entities”) from and against every claim brought by a third party, and any related liability, damage, loss, and expense, including attorneys’ fees and costs, arising out of or connected with: (1) your unauthorized use of, or misuse of, the Service; (2) your violation of any portion of these Terms and Conditions, any representation, warranty, or agreement referenced in these Terms and Conditions, or any applicable law or regulation; (3) your violation of any third-party right, including any intellectual property right or publicity, confidentiality, other property, or privacy right; or (4) any dispute or issue between you and any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (without limiting your indemnification obligations with respect to that matter), and in that case, you agree to cooperate with our defense of those claims.
You are free to end your use of the Service at any time.
SelfiPay is also free to terminate (or suspend access to) your use of the Service for any reason in our discretion, including a breach of these Terms by You. SelfiPay has the sole right to decide whether you are in violation of any of the restrictions set forth in these Terms.
Provisions that, by their nature, should survive termination of these Terms shall survive termination. By way of example, all of the following will survive termination: any obligation you have to indemnify us, any limitations on our liability, any terms regarding ownership or intellectual property rights, and terms regarding disputes between us.
SelfiPay reserves the right to suspend or terminate your account and access to the application at any time, with or without notice, for any reason, including but not limited to, violation of these Terms and Conditions or engaging in prohibited conduct.
All disputes shall be settled by negotiation and in an amicable manner. In the event that a mutually acceptable agreement is not reached, all disputes arising out of or relating to the use of the Services shall be resolved by a Bulgarian court of competent jurisdiction under applicable Bulgarian law.
If you have any questions, technical difficulties and problems, you can always contact us at support@criopay.com, by phone at +359887661202, or via the contact form in the application.