Terms of Service

Important Disclaimer

PayLio is a software service that facilitates payment processing redirects. We are not a payment processor, financial institution, or payment service provider. We do not process payments, store financial data, or handle transactions directly. Our service is provided “as is” and “as available” without any warranties.

1. Acceptance of Terms

By accessing or using PayLio services, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access our service. Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms.

2. Service Description

What We Do:

• Provide a routing service between users and licensed payment providers
• Store minimal transaction data for routing purposes
• Facilitate secure connections to payment providers
• Offer technical support for our routing service

What We Don't Do:

• Process payments or handle transactions directly
• Store financial or personal information
• Provide financial services or advice
• Handle disputes or refunds (handled by merchants/providers)
• Guarantee payment provider availability

3. Legal Disclaimer

PayLio is a software service that facilitates payment processing redirects. We are not a payment processor, financial institution, or payment service provider. All payment processing services are securely provided through third-party licensed payment providers. We are not responsible for any misuse or any kind of illegal activity committed by any of our clients or customers.

4. User Responsibilities

As a user of our service, you agree to:

• Provide accurate and complete information when using our service
• Maintain the security of your account and credentials
• Comply with all applicable laws and regulations
• Not use our service for any illegal or unauthorized purpose
• Not interfere with the proper working of our service

5. Acceptable Use and Restrictions

You may use PayLio only for lawful business purposes connected to your own payment or integration needs. You may not use the service to support fraud, illegal activity, or prohibited transactions.

6. No Warranties

PayLio is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, whether express, implied, or statutory. We do not guarantee that the service will always be available, secure, accurate, or suitable for your particular use case.

7. Limitation of Liability

To the maximum extent permitted by law, PayLio shall not be liable for any direct, indirect, incidental, or consequential damages, loss of profits, data, or business opportunities, service interruptions, third-party payment provider issues, or any misuse or illegal activity by users or third parties.

8. Intellectual Property

All content, features, and functionality of our service are the exclusive property of PayLio and are protected by international copyright, trademark, and other intellectual property laws.

9. Third-Party Services

Our service involves interaction with third-party payment providers. We are not responsible for the availability, reliability, or practices of third-party services. Your use of third-party services remains subject to their own terms and policies.

10. Indemnification

You agree to defend, indemnify, and hold harmless PayLio, its operators, affiliates, and service providers from claims, liabilities, damages, and expenses arising out of your use of the service or breach of these Terms.

11. Changes to Terms

We reserve the right to update or change our Terms of Service at any time. We will notify you of any changes by posting the new Terms on this page. Your continued use of the service after any changes constitutes your acceptance of the new Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws. Any disputes shall be subject to the exclusive jurisdiction of the competent courts.

13. Contact Information

If you have any questions about these Terms of Service, please contact us at: [email protected]