Platform Terms of Service

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PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS SITE.

Access to and use of this Website is strictly limited to individuals who have reached the age of eighteen (18) years, or the age of legal majority in their jurisdiction of residence if higher, and who possess the legal capacity to enter into binding contractual obligations. By accessing or using the Website, you represent and warrant that you satisfy these requirements. Any person who does not meet these eligibility criteria is not permitted to access or use the Website.

Client terms of the PaySaxas Affiliates. If you use the services of a PaySaxas Affiliate, its own terms apply to those services (see Section 3):

1. What is covered by the Terms of Service

These Terms of Service (the “Terms”) set out the rights, obligations and conditions that apply to your use of the public website at paysaxas.com, including its language versions (the "Website"), which is owned and operated by Paysaxas Ltd (“we”, “us” or “our”; see Section 2). The Client Platform and the Partner Portal at platform.paysaxas.com are not part of the Website and are governed by their own terms.

“Client Platform” means the online customer portal and, where made available, the mobile application through which a PaySaxas Affiliate makes its services available to its clients.

“Website Services” means the functionality made available to you directly through the Website (such as browsing, contact forms and access to information about PaySaxas Affiliates). It does not include any payment, e-money or crypto-asset service, or any use of a Client Platform, which is provided solely by the relevant PaySaxas Affiliate under its own Terms of Service (see Section 3).

2. Legal Information and Contact Details

Paysaxas Ltd is a company duly incorporated and validly existing under the laws of Cyprus, registered with the Registrar of Companies under registration number HE439690, having its registered office at Stasinou 23, 1st floor, flat/office 101, Egkomi, 2404, Nicosia, Cyprus, which owns and operates the Website.

Contact. General enquiries: info@paysaxas.com. Legal notices: legal@paysaxas.com. When contacting us, we kindly ask that you provide a brief description of the purpose of your enquiry and your contact details (your name, e-mail address and, if you wish to be contacted by post or telephone, your postal address or telephone number). We will endeavour to respond within 21 calendar days of receipt.

Accessibility reports. To report an accessibility barrier, use the channels described in our Accessibility Statement. The request for contact details above does not apply: you need only tell us how to reach you. We will respond as set out in our Accessibility Statement, which applies in place of the 21-day period above.

Privacy requests. To exercise your data protection rights, write to dpo_privacy@paysaxas.com. We respond within the time limits set by data protection law, as described in our Platform Privacy Policy; the 21-day period above does not apply.

3. PaySaxas Affiliates

“PaySaxas Affiliates” means PaySaxas Oy, PaySaxas Financial Solutions Corporation and any other entity that directly or indirectly controls, is controlled by, or is under common control with any of them, including entities that hold intellectual property or provide group-level functions without themselves being authorised or registered to provide regulated payment, electronic money or crypto-asset services, in each case other than Paysaxas Ltd itself. Regulated services are provided only by the following PaySaxas Affiliates, each under its own authorisation or registration:

  • PaySaxas Oy (Finland), Business ID 3387454-8, Lapinlahdenkatu 16, 00180 Helsinki, Finland, is authorised by the Finnish Financial Supervisory Authority (FIN-FSA) as an electronic money institution. Its authorisation can be checked in the FIN-FSA register of supervised entities. PaySaxas Oy does not provide crypto-asset services.
  • PaySaxas Financial Solutions Corporation (Canada), incorporation number BC1402502, 422 Richards Street, Unit 170, Vancouver, BC V6B 2Z4, Canada, is registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a money services business (registration number M23680092) and with the Bank of Canada as a payment service provider (entity ID RPS0002084). These registrations are regulatory requirements and do not constitute a licence, approval or endorsement by FINTRAC, the Bank of Canada or any other authority. They can be checked in the public registry of money services businesses maintained by FINTRAC and in the registry of payment service providers maintained by the Bank of Canada.

Paysaxas Ltd does not itself provide any payment, electronic money or crypto-asset service.

Other affiliated entities may be established from time to time in additional jurisdictions and will be disclosed accordingly.

Scope and order of precedence. These Terms govern your use of the public Website, including browsing and any contact or pre-registration forms. From the time you submit an application to open an account with a PaySaxas Affiliate, that Affiliate’s Terms of Service govern the application and your use of its services through the Client Platform, including liability and the resolution of disputes. If you take part in the PaySaxas Partner Programme, the Partner Agreement with PaySaxas Oy governs your participation and prevails over these Terms in relation to it. PaySaxas Oy and PaySaxas Financial Solutions Corporation may make their services available through a single Client Platform with one login. Even then, each company provides its own services under its own Terms of Service and Privacy Policy, and you have a separate contract with each company whose services you use: before you first use the services of a company, you accept its Terms of Service and are given its Privacy Policy. The Client Platform shows which company provides each account and service. To the extent these Terms and an Affiliate’s Terms of Service conflict in relation to a service that Affiliate provides, the Affiliate’s Terms of Service prevail. These Terms continue to govern your use of the public Website only; your use of the Client Platform is governed by the Terms of Service of the Affiliate that provides your account.

Restricted availability. The services of each PaySaxas Affiliate are available only where and to whom that Affiliate offers them under its own Terms of Service. In particular, the cryptocurrency services of PaySaxas Financial Solutions Corporation are not offered to persons resident or established in a member state of the European Union or the European Economic Area, the United Kingdom or the United States. Nothing on the Website is an offer or solicitation of any service to anyone in a jurisdiction where it would be unlawful.

4. Acceptance

You accept these Terms of Service where a tick-box or “I agree” button is presented on a form on the Website, by ticking or clicking it. Otherwise, these Terms apply to your use of the Website and are available through the link in the footer of every page. If you do not agree, you must not use the Website. Nothing in this Section reduces any right you have as a consumer under mandatory law.

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

5. Website Conditions

In addition to these Terms of Service, the following documents apply to your use of the Website: the Platform Privacy Policy (Platform Privacy Policy), the Cookie Policy (Cookie Policy), the Accessibility Statement (Accessibility Statement) and the Website Disclaimer (Website Disclaimer).

6. Changes to these Terms of Service

We may change these Terms to reflect changes in the law or regulatory requirements, in the Website or our services, or for security reasons. The date of the current version is shown at the top of these Terms. If you have given us your e-mail address through a form on the Website, we will notify you of a material change by e-mail before it takes effect. A change does not apply to a dispute that arose before it took effect.

7. Changes to the Website and Availability

We may update, modify, or withdraw the Website from time to time to reflect changes in our services, user needs, or business priorities. Where practicable, we will provide reasonable notice of any material changes.

Usage of the Website is free of charge.

We do not guarantee that the Website, or any of its content, will always be available, uninterrupted, or error-free.

You are responsible for ensuring that all persons who access the Website through your internet connection are aware of and comply with these Terms of Service and any other applicable terms and policies.

8. No Reliance on Information

The content on the Website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on the Website.

Although we make reasonable efforts to update the information on the Website, we make no representations, warranties or guarantees, whether expressed or implied, that the content on the Website is accurate, complete or up-to-date.

Where the Website contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the content of those sites or resources, and we accept no responsibility or liability for them or for any loss or damage that may arise from your use of them.

9. No Warranties

Subject to Section 11, the Website Services are provided on an “as is” and “as available” basis. To the maximum extent permitted under applicable law, Paysaxas Ltd disclaims all implied warranties, including warranties of merchantability, fitness for a particular purpose, title and non-infringement and warranties arising from course of dealing, usage or trade practice. Paysaxas Ltd makes no warranty regarding the operation or availability of the Website Services, or that the Website Services will be uninterrupted, error-free, or free from viruses or other harmful components. Paysaxas Ltd also makes no warranty with respect to any third-party software, websites, or services used in connection with the Website Services.

10. Damages Waiver

Subject to Section 11, and to the maximum extent permitted under applicable law, Paysaxas Ltd shall not be liable for any indirect, incidental, consequential, special, exemplary or punitive damages, or for any loss of profits, revenue, business, goodwill, data or business interruption, arising out of or in connection with these Terms of Service or the Website, whether based on contract, tort, negligence, strict liability or any other theory, even if advised of the possibility of such damages. Paysaxas Ltd’s directors, officers and employees and the PaySaxas Affiliates may rely on this Section 10 as if they were parties to these Terms, the PaySaxas Affiliates only in relation to the Website and not in relation to any service they provide under their own Terms of Service; these Terms may be varied or ended without their consent.

11. Limitation of Liability

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, wilful misconduct, or any liability that cannot lawfully be excluded, including the mandatory rights of consumers. Subject to that, and for users who are not consumers, Paysaxas Ltd's total cumulative liability for all claims arising out of or relating to these Terms of Service or the Website, whether in contract, tort (including negligence), strict liability or otherwise, shall not exceed one hundred euros (EUR 100).

12. Governing Law and Jurisdiction

These Terms of Service, and any dispute or claim (including non-contractual disputes) arising out of or in connection with them or your use of the Website, are governed by the laws of the Republic of Cyprus. If you are not a consumer, the courts of Cyprus have non-exclusive jurisdiction. If you are a consumer, nothing in this Section deprives you of the mandatory consumer-protection rules of the country where you habitually reside or of your right to bring or defend proceedings in the courts of that country. Nothing in this Section limits your right to complain to a data protection supervisory authority or to bring proceedings in the courts of the Member State of your habitual residence under Art. 79 GDPR. Either party may seek injunctive or other equitable relief in any competent court to protect its intellectual property rights.

13. Intellectual Property Rights

You may use the Website Services and this Website solely in accordance with these Terms of Service and only to the extent necessary for your authorised use of the Website Services.

All intellectual property rights of any kind, whether registered or unregistered, including but not limited to rights in and to the Website itself, its structure, design, layout, “look and feel,” software, source code, APIs, developer tools, data, databases, compilations, business methods, designs, logos, trademarks, service marks, trade names, domain names, trade dress, audiovisual elements, graphics, photographs, images, articles, text, and all other materials, content, and documentation made available through the Website Services or published on the Website (collectively, the “Intellectual Property”), are and shall remain the exclusive property of Paysaxas Ltd, a PaySaxas Affiliate or their licensors. All such rights are fully reserved.

“PAYSAXAS” and the PaySaxas logo are trademarks of Paysaxas Ltd or a PaySaxas Affiliate. You are not permitted to use them without our prior written consent, unless such use forms part of material you are lawfully using as permitted under these Terms of Service.

You may view, download and print pages of the Website for your own personal or internal business use. Except as expressly permitted by these Terms of Service or by applicable law, you shall not, and shall not permit or enable others to, directly or indirectly:

  • use, copy, reproduce, adapt, modify, translate, or create derivative works of the Intellectual Property;
  • reverse engineer, decompile, disassemble, decrypt, or attempt to derive the source code, algorithms, or underlying structure of the Website Services or Website;
  • reproduce, republish, display, distribute, transmit, assign, sublicense, or sell the Website Services, the Website, or any part thereof, in any form or by any means.

Any unauthorised use of the Intellectual Property, including the Website, its content, or the PAYSAXAS trademark, may constitute a violation of applicable intellectual property and unfair competition laws, as well as these Terms of Service, and may result in immediate termination of your access to the Website Services, without prejudice to any other rights or remedies available to Paysaxas Ltd.

14. Severability

If any provision of these Terms of Service is found to be unlawful, void, or unenforceable for any reason, that provision shall be deemed severable from the remainder of these Terms of Service and shall not affect the validity and enforceability of any remaining provisions.

15. Notices and Electronic Communications

We communicate with you electronically, by e-mail or through the Website. Any notice, claim or other formal communication that you wish to give us under these Terms must be sent by e-mail to legal@paysaxas.com. Communications from a PaySaxas Affiliate about its services are governed by its own Terms of Service. We send you marketing communications only where you have consented or the law otherwise allows it, as described in the Platform Privacy Policy, and you may opt out at any time.