TERMS OF SERVICE

Definitions

1.1 Company

PAYWAYS INTERNATIONAL – FZCO is a licensed Payment Service Provider ("PSP") providing payment-related products and services.

Registered Address: Dubai Silicon Oasis, Dubai, UAE

1.2 Website

"Website" means paidlayer.com, including all associated webpages, subdomains, and online resources operated by the Company.

1.3 Client

"Client" means any individual or legal entity that uses the Company's products or services, or utilizes the Company's payment infrastructure to process payment transactions.

1.4 Third-Party Websites

"Third-Party Websites" means any external websites or online resources that may be referenced or linked from the Website.

1.5 Merchant

"Merchant" means any business or individual that has entered into an agreement with the Company to use its payment processing services for accepting payments from customers.

1.6 Payment Methods

"Payment Methods" means any payment instruments or payment channels supported by the Company or its partners, including but not limited to:

payment cards;

QR payments;

online bank transfers;

electronic payment methods;

digital wallets;

alternative payment methods.

1.7 Payment Transaction

"Payment Transaction" means a payment processed through the Company's payment infrastructure in connection with the purchase of goods or services.

The Company processes payment transactions using secure payment technologies and commercially reasonable efforts to ensure efficient transaction processing.

1.8 Terms

These Terms govern the use of the Website, its features, products, and services, and may be amended or updated by the Company from time to time.

1.9 User

"User" means any individual or legal entity accessing, browsing, or otherwise using the Website or any services provided through it.

Unless otherwise specified, references to persons include both individuals and legal entities, and words in the singular include the plural and vice versa.

These Terms govern the relationship between the Company and every User accessing or using the Website.

Acceptance of the Terms

2.1 By accessing or using the Website, you agree to comply with these Terms and all applicable laws and regulations.

2.2 If you do not agree with these Terms, you must immediately discontinue using the Website.

2.3 Users accessing the Website from outside the Company's country of incorporation are responsible for ensuring compliance with all applicable local laws.

Related Policies

Your use of the Website is also governed by the following documents:

Privacy Policy;

Cookie Policy.

We encourage you to review these documents before using our Website or services.

Personal Data

The Company may collect Personal Data necessary for providing its services, responding to inquiries, and fulfilling legal and regulatory obligations.

Personal Data is processed in accordance with applicable data protection laws and the Company's Privacy Policy.

Information provided by Users may be shared only with:

the Company;

affiliated companies;

authorized service providers;

business partners involved in providing the requested services.

Personal Data will not be disclosed to third parties except where required by law, permitted under applicable regulations, or with the User's consent.

For more information regarding how we collect, process, and protect Personal Data, please refer to our Privacy Policy.

Age Restriction

5.1 By accessing or using the Website, you confirm that you are at least 18 years old and have the legal capacity to accept and comply with these Terms.

The Company shall not be responsible for any consequences arising from false or inaccurate information provided by a User regarding their age.

Intellectual Property

6.1 Unless otherwise stated, all content and materials available on the Website, including but not limited to:

text;

images;

graphics;

design elements;

logos;

software;

interface elements;

databases;

trademarks;

trade names;

copyrighted materials;

other intellectual property,

are owned by PAYWAYS INTERNATIONAL – FZCO or used by the Company on a lawful basis.

All rights are reserved.

6.2 Users may not copy, modify, distribute, publish, reproduce, transmit, sell, license, or otherwise use any Website materials without the Company’s prior written consent.

6.3 Access to or use of the Website does not grant the User any rights or licenses to use the Company’s intellectual property.

User Account

7.1 Certain features of the Website may require the User to create an account.

When registering, the User agrees to provide accurate, complete, and up-to-date information.

The User is solely responsible for:

maintaining the confidentiality of their login credentials;

keeping their password secure;

all activities carried out through their account.

The Company shall not be liable for any loss or damage resulting from unauthorized use of the User’s account.

7.2 If the User suspects that their account has been compromised or used without authorization, the User must immediately notify the Company.

The Company reserves the right to suspend or terminate accounts, remove content, or restrict access to certain services where necessary.

Suspension of Access

8.1 The Company may temporarily or permanently restrict the User’s access to the Website without prior notice if the Company reasonably believes that the User’s actions:

create a security risk;

violate applicable laws;

breach these Terms;

may cause harm to the Company, other users, or partners.

The duration of any restriction will be determined by the Company based on the nature of the violation or risk.

Third-Party Links

9.1 The Website may contain links to third-party websites or online resources.

Such websites are not owned or controlled by the Company. Therefore, the Company is not responsible for:

their content;

accuracy of information;

availability;

security;

updates;

compliance with applicable laws;

any products, services, or materials offered through such websites.

The inclusion of any third-party link does not imply endorsement, approval, or recommendation by the Company.

9.2 Users access third-party websites at their own risk.

Force Majeure

10.1 The Company shall not be liable for any delay, interruption, or failure to perform its obligations where such delay, interruption, or failure results from circumstances beyond the Company’s reasonable control.

Such circumstances may include, but are not limited to:

natural disasters;

emergencies;

war or military actions;

terrorist acts;

civil unrest;

strikes or labor disputes;

power outages;

failures of telecommunications networks;

actions of governmental authorities;

changes in legislation or regulation;

other events beyond the Company’s reasonable control.

In the event of such circumstances, the Company will take commercially reasonable measures to minimize any negative impact and restore normal operation of the Website and services.

Indemnification

11.1 You agree to indemnify, defend, and hold harmless PAYWAYS INTERNATIONAL – FZCO, its directors, officers, employees, affiliates, contractors, and partners from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or related to:

your violation of these Terms;

your misuse of the Website or the Company's services;

your infringement of the intellectual property or other rights of the Company or any third party;

your violation of any applicable law or regulation.

11.2 The Company's right to indemnification shall survive the termination of your use of the Website or Services.

Disclaimer of Warranties and Limitation of Liability

12.1 The Company makes reasonable efforts to ensure that the information published on the Website is accurate and up to date. However, the Company does not warrant that the Website or its content will always be complete, accurate, uninterrupted, secure, or error-free.

12.2 The Website and all services are provided on an "as is" and "as available" basis.

12.3 To the fullest extent permitted by applicable law, the Company shall not be liable for any:

direct or indirect damages;

loss of profits;

loss of revenue;

loss of business opportunities;

loss of data;

loss of goodwill;

interruption of business operations;

inability to access or use the Website;

actions or omissions of third parties.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

Changes to the Website

13.1 The Company reserves the right to modify, suspend, or discontinue any part of the Website or its services at any time without prior notice.

13.2 From time to time, the Website or certain services may become temporarily unavailable due to maintenance, upgrades, security improvements, or technical reasons.

Where reasonably practicable, the Company will provide advance notice of scheduled maintenance.

Changes to these Terms

14.1 The Company may amend or update these Terms at any time.

14.2 The latest version of these Terms will always be published on the Website.

14.3 Continued use of the Website after any revised version becomes effective constitutes your acceptance of the updated Terms.

Users are encouraged to review these Terms periodically.

Violations of these Terms

15.1 If a User violates these Terms, the Company may, at its sole discretion and without prior notice:

restrict or suspend access to the Website;

suspend or terminate the provision of services;

remove a User account where applicable;

take any other action reasonably necessary to protect the Company, its users, or its business.

Governing Law and Dispute Resolution

16.1 These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which PAYWAYS INTERNATIONAL – FZCO is incorporated.

16.2 The parties will first seek to resolve any dispute through good-faith negotiations.

16.3 If a dispute cannot be resolved amicably, it shall be submitted to the competent courts of the Company's jurisdiction, unless otherwise required by applicable law.

Nothing in these Terms prevents the Company from seeking interim or protective relief in any court of competent jurisdiction.

Applicable Law

These Terms, together with any disputes arising from or relating to the Website or the Company's services, shall be governed exclusively by the laws applicable in the Company's jurisdiction of incorporation, without regard to conflict of law principles.

Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or competent authority, the remaining provisions shall remain in full force and effect.

The invalid provision shall be interpreted, where possible, in a manner that most closely reflects its original intent.

Assignment

The Company may assign, transfer, or delegate any of its rights or obligations under these Terms without the User's prior consent.

Users may not assign or transfer their rights or obligations under these Terms without the Company's prior written consent.

Entire Agreement

These Terms constitute the entire agreement between the User and PAYWAYS INTERNATIONAL – FZCO regarding access to and use of the Website and supersede all prior agreements, understandings, representations, or communications relating to the same subject matter.

If any inconsistency exists between these Terms and any other document published on the Website, these Terms shall prevail unless expressly stated otherwise.