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data/web/telegram.org/tos/bot-developers.html
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<h4><a class="anchor" name="6-2-payment-disputes" href="#6-2-payment-disputes"><i class="anchor-icon"></i></a>6.2. Payment Disputes</h4>
<p>Payments conducted or initiated through TPA are processed by a third-party payment provider, as agreed between you and the payment provider. </p>
<p>Telegram does not handle, manage, oversee, verify or provide any sort of warranty over such transactions. Consequently, you understand and agree that any disputes, claims, losses, misunderstandings, technical errors, or issues of any kind (both accidental and allegedly intentional) related to payments or transactions must be resolved between yourself, the purchaser and the respective payment provider, when applicable. Telegram bears no responsibility whatsoever and will not be a party to any payment-related disputes or discussions, nor is it liable for any losses or damages the parties involved may incur.</p>
<h4><a class="anchor" name="6-3-asset-management" href="#6-3-asset-management"><i class="anchor-icon"></i></a>6.3. Asset Management</h4>
<h4><a class="anchor" name="6-3-account-management" href="#6-3-account-management"><i class="anchor-icon"></i></a>6.3. Account Management</h4>
<p>By using or offering your TPA as a means of storing, handling or processing financial assets (including cryptocurrency), you accept that it is your responsibility to ensure that any assets, credentials or other information is stored securely. You understand that Telegram may delete or make inaccessible whole chats, messages, media and files sent to and from your TPA at any time. In general, Telegram makes no guarantee that any data it stores in connection with your TPA, including but not limited to key-value pairs in the Telegram Cloud Storage for Bots and Mini Apps, will remain available, uncorrupted or fit for any particular purpose. </p>
<p>Therefore, you are expected to design your application and its persistence paradigms in a manner that effectively nullifies the impact of partially or fully losing any data that is typically provided by Bot Platform. Similarly, you should not assume that the availability of any such data from Telegram will be perpetual or for a specific duration, even if otherwise stated in the relevant documentation or source code. Accordingly, you expressly understand and agree that losses incurred by either you or your TPA users in connection with or as a result of your failure to properly secure relevant data or credentials will be solely your responsibility, and Telegram will neither be liable nor compensate you, your associates, those acting on your behalf or your TPA users for this loss.</p>
<h4><a class="anchor" name="6-4-payment-providers" href="#6-4-payment-providers"><i class="anchor-icon"></i></a>6.4. Payment Providers</h4>