PayConnect Terms of Service

These Terms of Service explain the rules that apply when you access or use PayConnect websites, software, dashboards, checkout page tools, invoice tools, customer record tools, hosting setup services, website setup services, and related business workflow services.

1. Who we are

These Terms of Service are between you and Main Lite Technology USA, Inc., doing business as PayConnect, a Delaware corporation. In these terms, PayConnect may be referred to as "PayConnect", "we", "us", or "our".

You are the business, organization, sole proprietor, individual, or account user who accesses or uses the Services. If you accept these terms on behalf of a business, you confirm that you are authorized to bind that business to these terms.

2. Our services

PayConnect provides business software and related setup services that help businesses get online, organize payment related activity, and manage customer records from one workspace.

The Services may include:

• Business software access and account dashboards.
• Website setup, landing page setup, and hosting setup.
• Checkout page tools, payment request pages, and payment link tools.
• Invoice tools, receipt records, customer records, and activity tracking.
• Product, service, booking, or custom job payment page configuration.
• Reporting views, account records, business profile settings, and workflow organization tools.
• Custom configuration services or project based setup services where separately agreed.

3. What PayConnect does not provide

PayConnect is a business software and setup services provider. PayConnect is not a bank, card network, acquiring bank, card issuer, payment processor, payment facilitator, money transmitter, stored value provider, lender, investment adviser, broker, merchant of record, or regulated financial institution.

PayConnect does not itself provide banking, acquiring, card issuing, money transmission, stored value, lending, investment, underwriting, settlement, or regulated payment services. Any actual payment processing or related regulated service, where available, is provided by independent third party providers and is subject to their separate approval, eligibility rules, supported regions, and terms.

4. Third party services

Some features may connect with or depend on independent third party service providers, such as checkout providers, payment providers, identity verification providers, hosting providers, domain providers, infrastructure providers, analytics providers, communication providers, or other business service providers.

1. Third party services are controlled by the relevant third party provider, not by PayConnect.
2. Use of third party services may require separate approval, separate accounts, separate pricing, separate policies, and separate terms.
3. Third party providers may approve, reject, suspend, delay, restrict, or terminate services according to their own rules and legal obligations.
4. PayConnect is not responsible for third party provider decisions, outages, errors, fees, restrictions, processing delays, settlement delays, account holds, reserves, chargebacks, disputes, or policy enforcement.
5. Where third party services are used, you authorize PayConnect to exchange information with those providers as needed to provide the Services, support your account, protect the platform, respond to requests, or comply with applicable requirements.

5. Your account

1. You must provide accurate, current, and complete information when creating or using an account.
2. You are responsible for keeping your login credentials secure and for all activity that occurs under your account.
3. You must promptly update your account information if your business name, ownership, contact details, website, products, services, pricing, fulfillment process, or business model changes.
4. We may request additional information, documents, content, records, proof of authority, business information, website information, or account verification details before providing or continuing access to any Service.
5. We may refuse, suspend, restrict, or terminate access if information is inaccurate, incomplete, misleading, unsupported, or not provided when requested.

6. Websites and hosting

Where your package includes website setup, landing page setup, hosting setup, domain related guidance, or similar services, the additional terms in Schedule B apply.

1. You are responsible for providing accurate content, business information, images, product information, service descriptions, pricing, policies, domain access, and other materials needed to complete the work.
2. You confirm that you own or have permission to use all content, logos, names, trademarks, images, videos, files, and materials you provide.
3. We may refuse to publish or host content that appears unlawful, deceptive, infringing, misleading, unsupported, or inconsistent with these terms.
4. Hosting, domain, email, plugin, theme, SSL, and other third party services may be subject to separate provider rules and fees.

7. Checkout pages and payment tools

PayConnect may provide software tools that help you create or organize checkout pages, payment request pages, invoice payment pages, product pages, service pages, booking payment pages, custom job payment pages, receipt records, and related activity records.

1. You are responsible for making sure your products, services, pricing, refund rules, delivery terms, customer communications, taxes, and fulfillment promises are accurate and lawful.
2. You must not use checkout pages, payment request pages, invoices, or customer communications in a deceptive, fraudulent, misleading, unauthorized, or unlawful way.
3. Where a transaction is processed by a third party provider, that transaction is subject to the provider's own terms, review process, availability, risk controls, fees, and timing.
4. PayConnect does not guarantee that any business will be approved by any third party provider or that any payment method, settlement method, payout method, or transaction type will be available.

8. Customer records and content

1. You are responsible for the accuracy, legality, and completeness of all customer records, invoice records, receipt records, product records, service descriptions, images, files, messages, and other content you enter into or upload to the Services.
2. You must have the legal right to collect, upload, store, use, and share any personal information or customer information that you provide through the Services.
3. You must provide your own legally required notices, terms, refund rules, delivery terms, and privacy disclosures to your customers where required.
4. PayConnect may remove or restrict content that appears unlawful, deceptive, infringing, abusive, unsafe, or inconsistent with these terms.

9. Fees, billing and taxes

1. You agree to pay all fees shown on our website, checkout page, invoice, quote, order form, dashboard, or written agreement for the Services you select.
2. Fees may include one time setup fees, website setup fees, hosting setup fees, recurring hosting fees, recurring software access fees, custom project fees, configuration fees, or other service charges.
3. Unless clearly stated otherwise, fees do not include taxes, third party provider charges, domain fees, plugin fees, theme fees, external platform fees, transaction fees, payment processing fees, dispute fees, chargeback fees, bank fees, network fees, or other third party costs.
4. You are responsible for taxes, duties, levies, or similar charges that apply to your purchase or use of the Services, unless we are legally required to collect them.
5. We may update pricing or introduce new fees with reasonable notice where required by law or by the applicable service arrangement.

10. Refunds and cancellations

1. Refunds are handled according to our Refund Policy, any written quote, any custom project agreement, and any mandatory rights that apply under law.
2. One time setup fees may become non refundable once work has started or deliverables have been prepared, configured, published, delivered, or made available.
3. Recurring software or hosting charges generally stop future billing after cancellation, but cancellation does not automatically refund the current or past billing period.
4. Third party fees are refundable only if the applicable third party provider allows the refund and returns the funds.

11. Acceptable use

You must use the Services only for lawful business purposes and in accordance with these terms, our policies, and applicable laws.

1. You must not use the Services for any prohibited or unsupported activity listed in Schedule A.
2. You must not use the Services to commit fraud, mislead customers, impersonate another person, infringe intellectual property rights, violate privacy rights, evade laws, or process unauthorized transactions.
3. You must not interfere with platform security, attempt unauthorized access, test vulnerabilities without permission, overload systems, distribute malware, scrape data unlawfully, or misuse APIs.
4. You must not make false claims about PayConnect, your business, your products, your services, or any third party provider.
5. We may review websites, content, account activity, invoices, payment pages, customer complaints, refunds, disputes, or other indicators to determine whether your use is allowed.

12. Security

1. You must maintain reasonable safeguards for your devices, accounts, passwords, email accounts, domains, hosting credentials, and business systems.
2. You must notify us promptly if you suspect unauthorized access, credential compromise, account misuse, domain compromise, website compromise, data breach, or other security incident involving the Services.
3. You must not store raw card numbers, security codes, or other sensitive payment credentials in PayConnect notes, customer records, messages, files, or custom fields.
4. Where third party hosted checkout or tokenized payment flows are available, you should use those flows rather than collecting sensitive payment data yourself.

13. Data protection and privacy

1. Our collection and use of personal information is described in our Privacy Policy.
2. You are responsible for giving your customers any privacy notices, consent notices, cookie notices, communication notices, and other disclosures required for your business.
3. You must not upload sensitive information unless it is necessary for the Services, lawful for you to provide, and permitted by our policies.

14. Intellectual property

1. PayConnect and its licensors retain all rights in the Services, including software, dashboards, designs, workflows, templates, documentation, branding, and platform technology.
2. Subject to these terms, we grant you a limited, non exclusive, non transferable, revocable right to access and use the Services for your internal business purposes.
3. You may not copy, resell, sublicense, reverse engineer, modify, interfere with, or create derivative works from the Services except where allowed by law or approved by us in writing.
4. You retain ownership of your business content, customer content, logos, text, images, and materials that you provide to us, subject to the rights you grant us to provide the Services.
5. You grant PayConnect permission to host, display, process, adapt, transmit, and use your content as needed to provide, secure, support, improve, and operate the Services.

15. Service changes

1. We may update, improve, modify, replace, suspend, or discontinue any part of the Services.
2. We may add, remove, or change features, package names, pricing, third party integrations, hosting options, website templates, checkout tools, invoice tools, or account settings.
3. If a change materially reduces an active paid service, we will try to provide reasonable notice where practical or legally required.

16. Suspension and termination

1. You may stop using the Services or request account closure, subject to outstanding fees, active projects, data retention requirements, unresolved disputes, and any applicable third party provider requirements.
2. We may suspend, restrict, or terminate access immediately if we believe your use creates risk, violates these terms, violates law, misleads customers, creates security concerns, infringes rights, causes customer harm, or creates risk for PayConnect, users, or third party providers.
3. We may also suspend or restrict access if required by law, court order, government request, provider request, unresolved billing issue, compliance concern, or security concern.
4. After termination, you must stop using the Services. Sections intended to survive termination will remain in effect, including fees owed, refunds, intellectual property, privacy, disclaimers, liability, indemnity, disputes, and general terms.

17. Warranties and disclaimers

1. The Services are provided on an "as is" and "as available" basis.
2. We do not guarantee that the Services will be uninterrupted, error free, secure, compatible with every system, or available at all times.
3. We do not guarantee business results, sales volume, payment approval, third party provider approval, hosting uptime from third party providers, search ranking, customer conversion, or uninterrupted access to third party services.
4. We are not responsible for delays, errors, losses, outages, restrictions, or failures caused by third party providers, internet service providers, hosting providers, domain providers, banks, card networks, payment providers, communication providers, government actions, force majeure events, or circumstances beyond our reasonable control.

18. Liability

1. To the fullest extent permitted by law, PayConnect will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost revenue, lost data, loss of goodwill, business interruption, or replacement services.
2. To the fullest extent permitted by law, our total liability for all claims relating to the Services will not exceed the amount you paid to PayConnect for the specific Service giving rise to the claim during the three months before the event giving rise to the claim.
3. Nothing in these terms limits liability that cannot legally be limited.

19. Indemnity

You agree to defend, indemnify, and hold harmless PayConnect, its affiliates, officers, directors, employees, contractors, service providers, and agents from any claims, losses, damages, liabilities, penalties, fines, costs, and expenses arising from your use of the Services, your business, your products or services, your customer relationships, your content, your website, your breach of these terms, your violation of law, your infringement of rights, or your dispute with any customer or third party.

20. Disputes

1. Before filing a claim, each party agrees to try to resolve the dispute informally by contacting the other party and giving a reasonable opportunity to respond.
2. These terms are governed by the laws of the State of Delaware, without regard to conflict of law rules, unless mandatory law requires otherwise.
3. Subject to any mandatory rights that cannot be waived, disputes will be brought in the state or federal courts located in Delaware, and each party consents to those courts.

21. Notices

1. Notices to PayConnect should be sent to support@payconnect-tt.com, unless another email address is listed for a specific notice type.
2. We may send notices to the email address associated with your account, through your dashboard, through your website account, or by other reasonable methods.
3. You are responsible for keeping your contact information accurate and for regularly checking your email and account notifications.

22. General terms

1. Entire agreement. These terms, together with our Privacy Policy, Refund Policy, any posted policies, any order form, any invoice, and any written project agreement, form the agreement between you and PayConnect for the Services.
2. Order of terms. If a written project agreement signed or expressly accepted by PayConnect conflicts with these terms, the written project agreement controls for that project only.
3. Assignment. You may not assign these terms without our written consent. We may assign these terms to an affiliate or in connection with a merger, acquisition, financing, restructuring, sale of assets, or transfer of business.
4. No waiver. A failure to enforce any provision is not a waiver of that provision.
5. Severability. If any provision is found unenforceable, the remaining provisions remain in effect.
6. Updates. We may update these terms from time to time. If you continue using the Services after updated terms take effect, you agree to the updated terms.