Terms &
Conditions

1.1. By accessing or using PayAccept's services, you agree to be bound by these Terms of Service.

1.2. If you do not agree to these terms, you must not use our services.

1.3. These terms may be updated from time to time. Continued use of the service constitutes acceptance of any changes.

1.4. You acknowledge that these terms form a legally binding agreement between you and PayAccept.

1.5. You must be of legal age in your jurisdiction to accept these terms and use our services.

1.6. If you are accepting these terms on behalf of an organization, you represent that you have the authority to do so.

2.1. 'Service' refers to PayAccept's payment processing and related services.

2.2. 'User' refers to any individual or entity using the Service.

2.3. 'Account' refers to a registered user account on the Service.

2.4. 'Transaction' refers to any payment or transfer processed through the Service.

2.5. 'Content' refers to any information, data, text, software, graphics, or other materials.

2.6. 'Intellectual Property Rights' refers to all patents, copyrights, trademarks, trade secrets, and other intellectual property rights.

2.7. 'Payment Method' refers to any supported method of payment, including but not limited to credit cards, bank transfers, and cryptocurrencies.

2.8. 'Platform' refers to PayAccept's websites, applications, and APIs.

3.1. Eligibility

• Must be at least 18 years old

• Must provide accurate and complete information

• Must have legal capacity to enter into contracts

• Must not be located in a restricted jurisdiction

• Must not be subject to economic or trade sanctions

3.2. Account Security

• Responsible for maintaining password security

• Must enable two-factor authentication

• Must notify us of any unauthorized access

• Must use strong, unique passwords

• Must not share account credentials

• Must regularly review account activity

3.3. Account Restrictions

• One account per user unless explicitly authorized

• No sharing of account credentials

• No unauthorized access attempts

• No use of VPNs or proxies to circumvent restrictions

• No automated access without approval

3.4. Account Verification

• Must complete identity verification when requested

• Must provide additional documentation as required

• Must update verification information when needed

• Subject to periodic review and reverification

4.1. Service Availability

• Service provided on 'as is' and 'as available' basis

• No guarantee of continuous availability

• Right to modify or discontinue features

• Scheduled maintenance windows

• Emergency maintenance when required

4.2. Transaction Processing

• Subject to applicable laws and regulations

• May be delayed for security or compliance

• Subject to transaction limits

• Risk-based transaction monitoring

• Fraud prevention measures

• Settlement timeframes vary by payment method

4.3. Fees and Charges

• As per current fee schedule

• Subject to change with notice

• Non-refundable unless required by law

• Currency conversion fees may apply

• Additional fees for special services

• Payment method specific fees

4.4. Service Limitations

• Geographic restrictions may apply

• Volume limitations may apply

• Feature availability may vary by region

• Integration limitations may exist

• API rate limits apply

5.1. Compliance with Laws

• Must comply with all applicable laws

• Must not use service for illegal activities

• Must report suspicious activities

• Must maintain required licenses and permits

• Must comply with tax obligations

5.2. Acceptable Use

• No fraudulent transactions

• No harassment or abuse

• No violation of intellectual property rights

• No money laundering

• No terrorist financing

• No prohibited goods or services

5.3. Data Accuracy

• Must provide accurate information

• Must keep information updated

• Must report any errors promptly

• Must maintain accurate transaction records

• Must provide supporting documentation when requested

6.1. Ownership

• All service content is owned by PayAccept

• Users retain rights to their own content

• No transfer of intellectual property rights

• Feedback becomes property of PayAccept

6.2. License Grant

• Limited license to use the service

• Non-exclusive, non-transferable

• Subject to these terms

• No sublicensing rights

6.3. Restrictions

• No copying or modification

• No reverse engineering

• No competitive use

• No unauthorized access

6.4. Trademarks

• All trademarks are protected

• No use without permission

• No confusingly similar marks

7.1. Data Collection

• Types of data collected

• Purpose of collection

• Legal basis for processing

• Data retention periods

• Data minimization principles

7.2. Data Usage

• Service provision

• Security measures

• Compliance requirements

• Analytics and improvements

• Marketing (with consent)

7.3. Data Sharing

• Service providers

• Legal requirements

• Business transfers

• With user consent

7.4. Data Security

• Security measures

• Breach notification

• Access controls

• Encryption standards

8.1. Limitation of Liability

• Maximum liability amount

• Types of covered damages

• Excluded damages

• Force majeure events

8.2. Indemnification

• User obligations

• Covered claims

• Defense rights

• Settlement rights

8.3. Warranties

• Service warranties

• Disclaimer of warranties

• User warranties

8.4. Third-Party Services

• No liability for third parties

• User responsibility

• Integration risks

9.1. Governing Law

• Applicable law

• Jurisdiction

• Venue for disputes

9.2. Arbitration

• Binding arbitration

• Arbitration rules

• Location of arbitration

• Cost sharing

9.3. Class Action Waiver

• Individual claims only

• No class actions

• No representative actions

9.4. Informal Resolution

• Notice requirement

• Resolution period

• Escalation process

10.1. Termination by User

• Right to terminate

• Notice period

• Account closure process

• Data export rights

10.2. Termination by PayAccept

• With cause

• Without cause

• Notice requirements

• Immediate suspension rights

10.3. Effect of Termination

• Service access

• Data retention

• Refunds

• Surviving provisions

10.4. Post-Termination

• Final settlement

• Data deletion

• Continuing obligations

11.1. Data Processing

• Processing in accordance with privacy policy

• Legal basis for processing

• Purpose limitation principles

• Data minimization practices

• Storage limitation policies

11.2. User Rights

• Right to access personal data

• Right to rectification

• Right to erasure

• Right to data portability

• Right to object to processing

• Right to withdraw consent

11.3. International Transfers

• Cross-border data transfers

• Safeguards and mechanisms

• Standard contractual clauses

• Privacy Shield compliance

11.4. Data Security

• Technical security measures

• Organizational security measures

• Employee training and awareness

• Security incident response

• Regular security assessments

12.1. Payment Processing

• Payment method requirements

• Processing timeframes

• Settlement periods

• Currency conversion

• Payment disputes

12.2. Fees and Charges

• Transaction fees

• Service fees

• Currency conversion fees

• Chargeback fees

• Account maintenance fees

12.3. Refunds and Chargebacks

• Refund policy

• Chargeback process

• Dispute resolution

• Recovery fees

12.4. Account Balance

• Balance maintenance

• Minimum balance requirements

• Maximum balance limits

• Interest (if applicable)

12.5. Tax Obligations

• Tax reporting requirements

• User tax responsibilities

• Tax documentation

• International tax considerations

13.1. Official Communications

• Methods of communication

• Required notifications

• Response timeframes

• Language of communication

13.2. Service Updates

• Maintenance notifications

• Feature updates

• Security alerts

• Policy changes

13.3. Marketing Communications

• Opt-in requirements

• Opt-out procedures

• Frequency of communications

• Content restrictions

13.4. Legal Notices

• Delivery methods

• Receipt confirmation

• Time sensitivity

• Record keeping

14.1. Illegal Activities

• Criminal activities

• Fraudulent activities

• Money laundering

• Terrorist financing

• Sanctions violations

14.2. Platform Abuse

• System manipulation

• API abuse

• Bot usage

• Scraping

• DDoS attacks

14.3. Content Restrictions

• Prohibited content

• Intellectual property violations

• Harmful content

• Misleading information

14.4. Account Abuse

• Multiple accounts

• Identity theft

• Credential sharing

• Unauthorized access

14.5. Business Restrictions

• Prohibited businesses

• High-risk activities

• Restricted jurisdictions

• License requirements

15.1. Financial Risks

• Market volatility

• Exchange rate risks

• Liquidity risks

• Counterparty risks

• Settlement risks

15.2. Technical Risks

• System failures

• Network issues

• Integration risks

• Security breaches

• Data loss

15.3. Regulatory Risks

• Regulatory changes

• Compliance requirements

• Licensing changes

• Jurisdictional risks

15.4. Business Risks

• Service interruptions

• Partner dependencies

• Market conditions

• Competition impact

15.5. User Acknowledgment

• Risk acceptance

• Due diligence responsibility

• Independent assessment

• Professional consultation