1.Introduction and Acceptance

Welcome to PaySay. These terms and conditions (“Terms”) govern the use of our website www.paysay.co.uk (hereinafter referred to as “the Site”). By accessing and using our Site, you agree to comply fully with these Terms. If you do not agree with any of these Terms, we ask that you do not use the Site.

2.Who We Are and How to Contact Us

The website is operated by PaaySay LTD (hereinafter, “we” or “PaySay”). PaySay is registered in the United Kingdom with license number 09272315 and has its registered office at Unit 400, The Wenta Business Centre, Watford, Herfordshire, WD24 7ND.

To contact our customer service team, you can email us at our official email address: [[email protected]] or use the chat function available on the Site.

3.Acceptance of the Terms

By using our Site, you confirm that you accept these Terms of use and agree to comply with them. If you do not agree with these Terms, you must not use our Site.

We recommend that you print a copy of these Terms for future reference.

4.Other Applicable Terms

These Terms of use include the following additional documents, which also apply to your use of our Site:

• Our Privacy Policy, which sets out the terms under which we process any personal data we collect from you or that you provide to us. By using our Site, you agree to such processing and warrant that all data provided by you is accurate.
• Our Cookie Policy, which contains information about the use of cookies on our Site.

5.Changes to the Terms

We may modify these Terms from time to time. Each time you wish to use our Site, please review these Terms to ensure you understand the terms in effect at that time. We reserve the right to notify you of significant changes through the Site or by email when necessary.

6.Changes to the Site

We reserve the right to update and change the content of the Site periodically to reflect changes in our products, our users’ needs, or our business priorities. We will try to give you reasonable notice of any major changes.

Additionally, we may suspend, withdraw, or restrict the availability of any part of the Site for business and operational reasons. We will try to give you reasonable notice in case of any significant suspension or withdrawal.

7.User Responsibility (Account Security)

If you choose, or you are provided with, a username, password, or any other information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any username or password, whether chosen by you or provided by us, at any time if, in our reasonable opinion, you have failed to comply with any provision of these Terms.

If you know or suspect that anyone other than you knows your username or password, you must promptly notify our customer service team through the chat on the Site or via our contact email.

8.Use of Site Material

PaySay is the owner or licensee of all intellectual property rights in the Site and the material published on it. These works are protected by copyright, trademarks, and other intellectual property laws. All such rights are reserved.

You must not use any part of the content on our Site for commercial purposes without obtaining a license from us or our licensors. If you breach these terms, your right to use the Site will cease immediately, and you must, at our discretion, return or destroy any copies of the materials you have made.

9.Linking to the Site

You may link to our homepage, provided you do so in a fair and legal way and do not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part where none exists.

You must not establish a link to our Site in any website that is not owned by you. Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the homepage.

We reserve the right to withdraw linking permission without notice.

10.Limitation of Liability

PaySay will not be liable for any direct, indirect, incidental, special, or consequential damages arising in connection with the use of the Site or the services offered. This includes, but is not limited to, loss of data, income, or profit, or any loss or damage that was not reasonably foreseeable.

11.Indemnification

You agree to indemnify and hold harmless PaySay, its affiliates, employees, and directors from any claims, demands, damages, or expenses, including reasonable attorneys’ fees, resulting from your breach of these Terms or your improper use of the Site.

12.Links to Third-Party Sites

Our Site may contain links to third-party websites. These links are provided solely for your convenience and do not imply PaySay’s endorsement of these sites. We are not responsible for the content, privacy policies, or practices of third-party websites.

13.Modifications to the Site and Services

PaySay reserves the right to modify or discontinue, temporarily or permanently, the Site or any of the services offered, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuance of the services.

14.Acceptable Use Policy

Users must use the Site responsibly and comply with all applicable laws. It is prohibited to use the Site for fraudulent, offensive, or illegal activities, or to attempt to gain unauthorized access to other systems or networks.

15.Intellectual Property Rights

All intellectual property rights on the Site and its contents belong to PaySay or its licensors. You do not have the right to use PaySay’s registered trademarks, logos, or other intellectual property without our prior written consent.

16.Disclaimer of Warranties

The Site and services are provided “as is” and “as available,” without any warranties, either express or implied. PaySay does not guarantee that the Site will be free of errors, viruses, or interruptions.

17.Changes to the Terms

PaySay reserves the right to modify these Terms and Conditions at any time to reflect changes in our business practices, legal requirements, or service updates. We will notify users of significant changes through a notice on our website or via email to the address registered in their account. We recommend reviewing these Terms periodically to stay informed of any updates, as continued use of the site following the posting of changes will constitute acceptance of the revised Terms.

18.Governing Law and Jurisdiction

Contracts for the purchase of services using our application, as well as any dispute or claim arising out of or in connection with their subject matter or formation (including non-contractual disputes or claims), will be governed by the laws of England.

Any dispute or claim arising out of or in connection with such contracts or their formation (including non-contractual disputes or claims) will be subject to the non-exclusive jurisdiction of the courts of England and Wales.

Any other language version provided is solely for user guidance. Any dispute or claim arising out of or in connection with these Terms or their subject matter or formation (including non-contractual disputes or claims) will be considered solely in relation to the English version of the PaySay ® Terms and Conditions, which is the applicable version.

We hope you enjoy using PaySay ®. Your opinion matters to us. Please feel free to contact us in the manner set out in these terms and conditions if you have any questions or concerns.

PaySay ® is registered trade mark of PaaySay Ltd. Company registration number: 09272315. PaaySay Ltd. is Authorised and Regulated by the Financial Conduct Authority (FCA) under the Payment Service Regulations 2009 for the provision of payment services. FCA Registration number: 665640. Registered with Information Commissioners Office. ICO registration number ZA092335. Registered Address: Unit 400, The Wenta Business Centre Colne Way, Watford, Hertfordshire, WD24 7ND.