Terms & conditions

1. Introduction

Welcome to PayFlow

These Terms & Conditions govern your access to and use of PayFlow, including our website, dashboard, tools, and related services. By creating an account, connecting a wallet, or using any part of our platform, you agree to these terms and our policies.

Who these terms apply to

These terms apply to freelancers, creators, businesses, and any other users who access PayFlow to manage crypto payments, P2P transactions, subscriptions, memberships, or related services. If you do not agree with these terms, you should not use the platform.

2. Eligibility and accounts

Account requirements

To use PayFlow, you must be at least the legal age of majority in your jurisdiction and able to enter into a binding agreement. You are responsible for providing accurate information during registration and keeping your account details up to date.

Security responsibilities

You are responsible for maintaining the confidentiality of your login credentials, connected wallets, and account activity. Any action taken through your account will be considered authorized by you, so you should notify us immediately if you suspect unauthorized access.

3. Use of the platform

Permitted use

PayFlow is designed to support crypto payments, P2P trading, subscriptions, memberships, and related financial workflows. You may use the platform only for lawful purposes and in accordance with these Terms & Conditions.

Prohibited activities

You may not use PayFlow to engage in illegal activity, fraud, money laundering, phishing, unauthorized access, abusive behavior, or any activity that could damage the platform or harm other users. We reserve the right to suspend or terminate accounts that violate these rules.

4. Subscriptions and billing

Plans and payments

PayFlow may offer free and paid plans with different features, limits, and pricing. By subscribing to a paid plan, you authorize us to charge the applicable fees according to the billing cycle shown at checkout or in your dashboard.

Renewals and cancellations

Unless otherwise stated, paid plans may renew automatically at the end of each billing period. You can cancel according to the instructions provided in your account settings, but cancellation may not entitle you to a refund unless required by law or explicitly stated in a specific offer.

5. Transactions and risk

Crypto transaction risk

Cryptocurrency and digital asset transactions can be volatile, irreversible, and subject to network delays, fees, or third-party service interruptions. You acknowledge that market changes, wallet incompatibility, or blockchain congestion may affect transaction outcomes.

No financial advice

Any information provided on PayFlow is for informational purposes only and should not be considered financial, investment, tax, or legal advice. You are solely responsible for evaluating the risks of using crypto assets and related services.

6. Intellectual property

Our rights

All platform content, branding, logos, interfaces, software, and documentation are owned by PayFlow or its licensors and are protected by applicable intellectual property laws. You may not copy, reproduce, modify, distribute, or reverse engineer any part of the platform without prior written permission.

Your content

If you upload or submit content through the platform, you retain ownership of your content, but you grant PayFlow a limited license to host, process, display, and transmit that content only as needed to provide the service.

7. Third-party services

External integrations

PayFlow may integrate with third-party wallets, payment processors, blockchain networks, analytics tools, or other external services. We do not control those services and are not responsible for their availability, performance, security, or policies.

Third-party terms

Your use of third-party tools or integrations may be subject to separate terms and privacy policies. It is your responsibility to review those terms before connecting or using any external service with PayFlow.

8. Service availability

Platform access

We aim to keep PayFlow available and reliable, but we do not guarantee uninterrupted access at all times. Maintenance, updates, network issues, outages, or events beyond our control may temporarily affect service availability.

Changes to the service

We may update, improve, or discontinue features at any time, with or without notice, as part of platform maintenance, product development, or compliance requirements.

9. Limitation of liability

No guarantees

PayFlow is provided on an “as is” and “as available” basis to the maximum extent permitted by law. We do not guarantee that the platform will always be error-free, uninterrupted, or suitable for every user’s needs.

Liability limits

To the extent permitted by law, PayFlow shall not be liable for indirect, incidental, special, or consequential damages, including loss of profits, data, revenue, or business opportunities arising from your use of the service.

10. Termination

Suspension or termination

We may suspend or terminate your access to PayFlow if we believe you have violated these terms, engaged in risky or unlawful activity, or created a threat to the platform or other users.

Effect of termination

After termination, your right to use the platform ends immediately. Some data may be retained as required by law, for security purposes, or to comply with contractual and regulatory obligations.

11. Governing law

Legal jurisdiction

These Terms & Conditions will be governed by the laws of the jurisdiction in which PayFlow is established, unless otherwise required by applicable consumer or financial regulations. Any dispute arising from these terms will be handled under the applicable courts or dispute resolution process specified by PayFlow.

Dispute resolution

Before filing a formal claim, we encourage users to contact us to resolve issues informally and in good faith. If a dispute cannot be resolved informally, it may be submitted to the competent courts or arbitration process where applicable.

12. Contact

Questions about these terms

If you have any questions about these Terms & Conditions, you can contact us through our support or legal channels. We recommend reviewing these terms regularly, as we may update them from time to time.