1. Acceptance of Terms
By accessing and using Noxipay's services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.
2. Description of Service
Noxipay provides payment processing services including:
- Online payment processing for e-commerce transactions
- API integration for payment acceptance
- Fraud protection and security services
- Payment analytics and reporting
- Customer support and technical assistance
3. Account Registration
To use our services, you must:
- Provide accurate and complete registration information
- Maintain the security of your account credentials
- Notify us immediately of any unauthorized use
- Be at least 18 years old and legally capable of entering contracts
- Comply with all applicable laws and regulations
4. Payment Processing
When processing payments through our platform:
- Settlement: Funds are typically settled within 1-3 business days
- Fees: Transaction fees apply as outlined in your service agreement
- Refunds: Subject to our refund policy and applicable regulations
- Chargebacks: You are responsible for managing chargeback disputes
- Compliance: All transactions must comply with applicable payment regulations
5. Prohibited Activities
You agree not to use our services for:
- Illegal activities or transactions
- Fraudulent or deceptive practices
- Violation of intellectual property rights
- Money laundering or terrorist financing
- Adult content or gambling (subject to restrictions)
- High-risk transactions without proper authorization
6. Fees and Billing
Service fees are charged according to your pricing plan:
- Transaction Fees: Applied to each successful payment
- Monthly Fees: May apply depending on your service level
- Chargeback Fees: Applied to disputed transactions
- Currency Conversion: Additional fees may apply for international transactions
All fees are non-refundable unless otherwise specified.
7. Intellectual Property
All content, trademarks, and intellectual property on our platform are owned by Noxipay or our licensors. You may not:
- Copy, modify, or distribute our proprietary content
- Use our trademarks without written permission
- Reverse engineer our software or systems
- Create derivative works based on our services
8. Privacy and Data Protection
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these terms by reference.
9. Limitation of Liability
To the maximum extent permitted by law:
- Noxipay's liability is limited to the amount you paid for our services
- We are not liable for indirect, incidental, or consequential damages
- We do not guarantee uninterrupted or error-free service
- You use our services at your own risk
10. Termination
Either party may terminate this agreement:
- By You: Close your account at any time through our dashboard
- By Us: With 30 days notice or immediately for violations
- Effect: Access to services will cease upon termination
- Data: Your data will be handled according to our data retention policy
11. Dispute Resolution
Any disputes arising from these terms will be resolved through:
- Negotiation: Good faith efforts to resolve disputes amicably
- Mediation: If negotiation fails, disputes may be mediated
- Arbitration: Final disputes will be resolved through binding arbitration
- Jurisdiction: Lyon, France courts have jurisdiction
12. Governing Law
These terms are governed by the laws of France. Any legal proceedings will be conducted in Lyon, France.
13. Changes to Terms
We may modify these terms at any time. Material changes will be communicated with 30 days notice. Continued use of our services constitutes acceptance of the updated terms.
14. Contact Information
For questions about these Terms of Service, please contact us: