Terms Of Use

Welcome to Paykassma. These Terms of Use (“Terms”) govern your access to and use of the website https://paykassma.com (the “Website”) and the full suite of services, features, software, content, and technologies offered by or through Paykassma (collectively, the “Services”). These Terms apply to all users of the Services, whether natural persons or legal entities acting for commercial or professional purposes (“you,” “your,” or the “User”).

Please read these Terms carefully. By accessing, using, or interacting with the Website or Services in any capacity, you acknowledge and affirm that you have read, understood, and agreed to be bound by these Terms, which form a legally binding public declaration by Paykassma (“Paykassma,” “we,” “our,” or “us”). If you do not agree to these Terms, you must immediately discontinue all use of the Website and Services.

These Terms are published solely by Paykassma and are not the result of mutual negotiation or agreement. They are subject to unilateral modification or update at any time. We reserve the exclusive right to revise these Terms at our discretion, and such changes shall become effective upon publication on the Website. You are responsible for reviewing the most current version of the Terms regularly. Continued use of the Services following any update constitutes your acceptance of the revised Terms.

I. Legal Framework and Governing Law

These Terms, and your access to and use of the Website and Services, are subject to and governed by the applicable laws and regulatory standards of the European Union, including but not limited to:

1. Regulation (EU) 2016/679 on the protection of personal data (GDPR)
2. Directive (EU) 2015/2366 on payment services (PSD2)
3. Directive (EU) 2018/843 on the prevention of money laundering (AMLD)
4. Directive 2005/29/EC on unfair commercial practices
5. Relevant laws of EU Member States applicable in your jurisdiction

II. Eligibility and Permitted Use

1. The Services are available exclusively to individuals who are at least 18 years old and to duly registered business entities with full legal capacity to enter into binding obligations.
2. If you are accessing the Services on behalf of a company or legal entity, you confirm that you have authority to bind such entity to these Terms.
3. You agree to use the Services only for lawful, legitimate, and authorized purposes and in full compliance with all applicable laws and third-party rights.
4. You may not use the Services in any jurisdiction where such use is illegal or unauthorized. Access from Restricted Jurisdictions, as defined by applicable law or internal compliance criteria, is prohibited.
5. We may suspend or permanently restrict your access to the Services at our discretion, particularly in cases of actual or suspected violation of these Terms or applicable laws.

III. Account Registration and Responsibility

6. Certain features of the Services require registration of a user account. You must provide true, complete, and accurate information and update it as necessary.
7. You are responsible for maintaining the confidentiality of your login details and for all activities occurring through your account.
8. If you are a business, you must ensure that all access to your account is managed appropriately and that all personnel comply with these Terms.

IV. Personal Data and Processing

9. We process personal and business data in accordance with GDPR and related data protection laws. Please refer to our Privacy Policy for full information.
10. By using the Services, you consent to our collection, processing, and storage of your data in line with our Privacy Policy.
11. Our use of cookies and other tracking technologies is explained in our Cookie Policy 

V. Payments, Fees, and Refunds

12. You may be required to pay certain fees or charges for using the Services. Any applicable fees, pricing structures, or payment obligations shall be clearly communicated to you before you initiate a paid transaction.
13. You agree to pay all amounts due under any applicable order or transaction, including applicable taxes and transaction fees.
14. Fees are denominated in the currency stated on the Website or agreed with you directly, and payment shall be due immediately or as specified in a separate agreement.
15. Paykassma does not guarantee that any refund requests will be granted. Refunds are not provided automatically and shall be issued only:
    • When required under applicable consumer protection laws;
    • Where technical errors or duplicate transactions have occurred;
    • As part of a documented resolution process following a valid and substantiated user complaint.
16. All refund requests must be submitted in writing via email to [email protected] with full transaction details and supporting documentation.
17. Refund processing timelines may vary but typically do not exceed thirty (30) business days, subject to AML/CTF checks and internal review.
18. All approved refunds will be made using the same payment method originally used by you, unless otherwise required by law.
19. Refunds may be refused where the request is fraudulent, abusive, involves third-party or chargeback manipulation, or otherwise conflicts with applicable regulations or our internal compliance requirements.

VI. Anti-Money Laundering and Compliance

20. We operate an Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) compliance program that incorporates international best practices, risk-based due diligence, ongoing monitoring, and regulatory reporting.
21. All users, including corporate clients and individual representatives, are subject to identity verification (KYC), beneficial ownership screening, and sanctions checks prior to and during their use of our Services.
22. We reserve the right to request additional documentation and suspend or terminate services pending review or investigation.
23. Your use of our Services implies full cooperation with our AML/CTF procedures, including the duty to provide requested documentation promptly and truthfully.
24. Please consult our AML and Security Policy for further information.

VII. Availability and Modifications

25. We strive to ensure the availability, continuity, and integrity of our Website and Services, but we cannot and do not guarantee uninterrupted or error-free functionality.
26. We reserve the right to modify, enhance, suspend, or discontinue any aspect of the Website or Services at any time for operational, legal, or business reasons, without prior notice and without liability.

VIII. Dispute Resolution and Jurisdiction

27. If you have concerns or disputes regarding these Terms or our Services, you should first contact us at [email protected] and allow a reasonable time for internal resolution.
28. Any disputes not resolved amicably shall be submitted to the exclusive jurisdiction of the courts of a competent EU Member State, chosen at our discretion based on the applicable contract and location of the parties.
29. These Terms shall be governed by and interpreted in accordance with the laws of the European Union, excluding any conflict of laws principles that would result in the application of the laws of another jurisdiction.

IX. Limitations of Liability and Indemnification

30. The Website and Services are provided on an “as is” and “as available” basis, without warranties of any kind, either express or implied. We disclaim any implied warranties of merchantability, fitness for a particular purpose, non-infringement, or data accuracy.
31. To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, consequential, punitive, or exemplary damages, including but not limited to loss of profits, business interruption, or data loss, even if we have been advised of the possibility of such damages.
32. Our aggregate liability under these Terms shall in no event exceed the total amount paid by you to us for the Services within the six (6) months immediately preceding the event giving rise to the liability.
33. You agree to defend, indemnify, and hold harmless Paykassma, its affiliates, officers, directors, employees, and agents from and against any claims, damages, liabilities, losses, costs, or expenses (including legal fees) arising out of or related to:
    • Your use of the Services;
    • Your breach of these Terms;
    • Your violation of any applicable laws or third-party rights.

X. Intellectual Property Rights

34. All intellectual property rights in and to the Website and Services, including but not limited to text, software, logos, graphics, audio, video, and design, are owned or licensed by Paykassma and are protected by applicable copyright, trademark, and other intellectual property laws.
35. You are granted a limited, non-exclusive, revocable license to access and use the Website and Services solely for legitimate business or personal purposes and in accordance with these Terms. Any reproduction, distribution, modification, or creation of derivative works is strictly prohibited without our express prior written consent.

XI. Communications and Notices

36. You agree to receive communications from us electronically. Notices may be provided via email, publication on the Website, or other digital means.
37. Any notice from you to us must be sent in writing to our designated contact email: [email protected] 

XII. General Provisions

38. If any provision of these Terms is held invalid or unenforceable under applicable law, the remaining provisions shall remain valid and enforceable.
39. These Terms constitute the entire agreement between you and Paykassma regarding your access to and use of the Services and supersede all prior or contemporaneous communications.
40. We may assign or transfer our rights and obligations under these Terms without your prior consent. You may not assign your rights or delegate your obligations without our written approval.
41. These Terms are provided in the English language. In the event of any translation discrepancies, the English version shall prevail.

If you have any questions or require further clarification regarding these Terms, please contact us at: [email protected]