Terms & Conditions

Welcome to InstaPaid! These Terms and Conditions govern your use of our early wage access services. By using our services, you agree to these Terms and Conditions.

Application & Introduction

The Terms and Conditions apply to all usage related to the application of the platform provided by InstaPaid ApS, CVR number: 43769359 (Referred to InstaPaid from here on).

The Website “instapaid.io” and Mobile Application “InstaPaid” is operated by InstaPaid. InstaPaid is a platform that enables users to withdraw salary, milage and expenses instantly when it has been earned off normal pay cycle.

General Terms

Eligibility. You must be an employee of an eligible employer to use our services. You agree to provide us with accurate and up-to-date information about yourself.

Early Wage Access. Our services enable you to access your earned wages before your regular payday. There is no fee charged to end users.

Privacy Policy. Our Privacy Policy governs our collection, use, and disclosure of your personal information. By using our services, you agree to our Privacy Policy.

Prohibited Activities. You agree not to use our services for any illegal, fraudulent, or unauthorized purpose. You also agree not to interfere with the operation of our services or access our services in an unauthorized manner.

The Product

The Product delivered by InstaPaid allows employees to instantly withdraw earned and accrued salary, mileage and expenses off normal pay cycle. InstaPaid conducts these payouts on behalf of the employer.

Via InstaPaid you will be able to access and payout earned wage only and your employer is responsible for ensuring that the payment ccorrespondsto the correct hours worked, mileage accrued, and expenses held. 

When you create an InstaPaid account to pay out an amount of the salary, you agree to give InstaPaid and your employer the right to deduct all amounts related to any InstaPaid withdrawals accessed during a pay period.

You need to confirm special Terms & Conditions prior to using your services, to provide security in payment claims to InstaPaid for each of the transactions.

Your Account

You must create an account to use our services. You agree to provide us with accurate and up-to-date information about yourself, and to keep your account information confidential.

You are responsible for maintaining the security of your account, including your login credentials.

You agree to notify us immediately of any unauthorized use of your account.

Account Termination. We may terminate your account at any time, for any reason, without notice. You may also terminate your account at any time by contacting us at [email protected].


All data communicated between InstaPaid and your device is encrypted

All transactions are automatically checked against reported data from your employers software systems (including, but not limited to payroll, time-and-attendance, workforce management, HCM systems, Tax data) and measures agreed between InstaPaid and the employer, such as withdrawal limit.

In some cases, bank details will be provided by the employer – however in some situations it is possible for you to change the bank account for instant withdrawals through InstaPaid .

You acknowledge and agree that neither InstaPaid nor its employees or other related parties are liable in any way for any direct, indirect, consequential or other loss or damage which may arise in connection to third party access to your  InstaPaid account.


InstaPaid will provide you with important updates via the email address provided in your account (e.g. changes to Terms & Conditions and receipts of withdrawals)

InstaPaid will also send you relevant information about new features, newsletters, and other direct communications that is relevant to the whole user experience. You are always able to unsubscribe from this type of communication.

Rights and Liability

InstaPaid holds all rights to our products and services. We own all intellectual property rights in our services, including our website, mobile applications, and other software. including the website, the application, and all other material on InstaPaid’s website or application. This includes, but is not limited to, copyrights, proprietary rights, and trademark rights to InstaPaid’s products and services.

We grant you a limited, non-exclusive, non-transferable license to use our services for your personal, non-commercial use.

You agree not to copy, modify, distribute, or reverse engineer our services.


InstaPaid aims to avoid errors, defects and disruptions of service on the Web and the App at any time, but this may occur. InstaPaid will try to fix any issues as quickly as possible.

InstaPaid performs ongoing maintenance and updates on both the website and the application. During maintenance, certain or all features may become temporarily unavailable.

InstaPaid is not liable to you in the event of errors, defects, malfunctions, or removal of functionality.


If you disagree with the Terms and Conditions and/or the Terms of Use or for any other reason no longer wish to use InstaPaid, you can delete your account at any time.

InstaPaid may at any time and without notice suspend or terminate your agreement regarding the use of InstaPaid’s product and service and, if necessary, delete your profile (e.g. in cases of unacceptable use, attempt to abuse other users’ accounts, attempt to access other users’ data or other illegal or improper behavior)

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws in Denmark where InstaPaid is registered, without giving effect to any principles of conflicts of law.

Dispute Resolution

Any dispute arising out of or in connection with these Terms and Conditions shall be resolved through arbitration in accordance with the rules of the European Union’s arbitration association.

Changes to These Terms and Conditions

We may update these Terms and Conditions at any time. We will notify you of any changes by posting the updated Terms and Conditions on our website. Your continued use of our services after any such changes constitutes your acceptance of the new Terms and Conditions.

If you do not agree to the changed Terms and Conditions, you will no longer be able to use the Website or the Application, and InstaPaid is entitled to delete your profile.

Matrikel 1, Højbro Pl. 10
DK-1200 København K

Telefon: +45 70 60 34 04