Terms of Service

This agreement governs your access to and use of our services.

By accepting this agreement—whether through registering on www.pageier.com, clicking a box to indicate your acceptance, or executing an order form or any other document referencing this agreement—you agree to its terms. If you are entering into this agreement on behalf of a company or another legal entity, you represent that you have the authority to bind that entity and its affiliates to these terms and conditions.

For the purposes of this agreement, “We,” “Us,” and “Our” refer to Pageier, while “You,” “Your,” “Yourself,” or “Merchant” refer to any individual or corporate entity, whether registered or not, including users of Pageier’s services.

These terms, including all appendices and referenced links, govern your use of any products or services found on the Pageier website and associated features, API keys, pages, products, and application services, including mobile applications (“Website”). “Applicable Laws” refer to any law, regulation, order, circular, or other governmental mandates issued by any relevant authority with jurisdiction over you, us, or the subject in question, which may be updated periodically.

Before using the Website, it is critical to review these General Terms of Use, Specific Terms of Use (collectively “Terms”), and the Privacy Policy. By using Pageier’s products, services, and Website—or any products offered by Pageier’s partner institutions, banks, financial institutions, technology service providers, or third parties (“Facility Providers”)—you agree that your use constitutes acceptance of these Terms from the moment you begin. You also acknowledge that Pageier reserves the right to update or modify its services at any time.

You further agree that references to “Pageier” refer to the Pageier affiliate responsible for the Specific Terms of Use. Any claims arising from or related to these terms must be directed to the specific affiliate providing the service, as Pageier itself bears no liability for such claims. If you do not accept these Terms, you are not permitted to use the services. Should you disagree with the Terms or Privacy Policy, you must refrain from using the Website. It is highly recommended to revisit this page periodically to review any updated versions of the Terms. Pageier reserves the right to modify or update the Terms at any time, and continued use of the Website signifies your acceptance of such modifications. Should you object to any changes, your only remedy is to discontinue using the Website. From time to time, Pageier may also require acceptance of additional terms for specific services.

User Information and Responsibilities

You agree to provide accurate, truthful, and up-to-date information when prompted by the Website. If any information you provide is false, inaccurate, outdated, or incomplete, or if Pageier reasonably suspects so, Pageier reserves the right to suspend or terminate your account and refuse your use of the Website or associated services.

By using the Website and providing your contact information, you agree that you are interested in receiving information about or purchasing products and services offered by Pageier or third parties. You consent to being contacted by Pageier via various means, including phone, SMS, email, WhatsApp, or other electronic and physical methods. This communication could include updates about selected products and services, fulfillment of your requests, or completion of your application. Furthermore, you expressly authorize Pageier, its partners, and third-party service providers to contact you for the purposes of offering additional products, services, or marketing campaigns through any communication channel.

Eligibility and Account Security

You may register to use the Website only if you are 18 years of age or older and legally capable of entering into binding agreements under Applicable Laws. You are responsible for maintaining the confidentiality of your login credentials and passwords, and you are liable for any activities conducted on the Website using your account. Whether authorized or not, any actions carried out using your login information are your responsibility, and Pageier is not liable for any unauthorized activities executed with your credentials.

Data Sharing and Communications

By using Pageier’s services, you agree that your information may be shared with Pageier’s partner banks, financial institutions, group companies, affiliates, vendors, service providers, and Facility Providers. This sharing is essential to offer you products, services, and value-added features related to the services you choose. You also consent to receive communications via email, phone, or SMS from Pageier or third parties. Should you later opt-out of such communications, this request will only apply prospectively and will not affect data previously shared with your consent.

Pageier reserves the right to undertake due diligence measures for any payment or financial transaction made through the Website. This may include requesting specific information from you, which you are required to provide in accordance with applicable laws. You understand that enhanced due diligence may also be conducted, requiring additional documentation, to fulfill legal and compliance obligations. It is solely your responsibility to understand and comply with the relevant laws in your jurisdiction.

Before you can begin using the services provided under these terms, you agree to supply the necessary documentation as determined by Pageier, Facility Providers, government authorities, or law enforcement agencies. This documentation enables due diligence checks on you and your business activities. Pageier reserves the right to share such information and related documentation with the appropriate authorities as required by applicable laws. Additionally, Pageier may monitor, review, retain, or disclose information related to the services to meet legal obligations or in response to government requests.

Pageier may also request additional documents concerning your customers or invoices, either at its discretion or as mandated by law or regulatory authorities. If you fail to provide these documents when requested, it may result in the suspension of services or withholding of funds (if applicable) until the documents are satisfactorily submitted.

Responsibility for delivering products, providing after-sales services, processing payments, handling invoices, collecting payments, and responding to customer inquiries, including technical support and maintenance, rests solely with you. Pageier assumes no liability for these obligations. You agree to indemnify Pageier from any claims arising from these services and to cover any associated costs or expenses.

During your use of the services, you confirm that neither you, your affiliates, nor your Beneficial Owner are classified as Politically Exposed Persons. If this status changes at any time, you must notify Pageier immediately in writing.

Using the Website may require you to give consent for the collection of personal information, which may include sensitive data as defined by applicable laws. You may also authorize Pageier to retrieve data from public registries or other sources to complete your profile, conduct due diligence, or provide services. Pageier adheres to industry best practices for information security and data protection but will not be liable for claims related to the collection, use, or processing of your personal data, as this is done with your explicit consent.

You agree not to use the Website or services for any illegal or prohibited purpose under these terms or local laws.Pageier reserves the right to suspend, terminate, or restrict your access to the Website or services without prior notice or liability at its discretion.

You are prohibited from posting or transmitting any unlawful, defamatory, obscene, or otherwise harmful content on the Website. This includes material that infringes on third-party intellectual property, introduces harmful software, or violates privacy rights. Content that threatens national security, disrupts public order, or insults a nation is also forbidden. You are solely responsible for any damage caused by violations of these restrictions.

You confirm that your business is legally incorporated according to the laws of your jurisdiction and that you have the authority to enter into and comply with these terms. You have taken all necessary actions, including obtaining appropriate approvals, to authorize your acceptance of these terms. The agreement formed by your acceptance of these terms is legal, valid, and enforceable. You further confirm that you do not engage in activities related to virtual currencies, cryptocurrencies, or other prohibited investments. Any violation of this clause will result in immediate suspension or termination of services, and you will be liable for any losses incurred by Pageier due to the breach.

You agree that your use of the services and the sale of your products comply with all applicable laws and guidelines set by Pageier and its Facility Providers. You may not resell or assign the services or allow any third party to use them. Additionally, your use of the services must not facilitate any illegal or unauthorized activities.

You acknowledge that Pageier’s services are complex and involve interactions with Facility Providers. Pageier will only be held responsible for actions or omissions directly attributable to it.

To use the services, you must take all necessary steps to integrate Pageier’s solutions with your platform. Any Server-to-Server integration, if applicable, is intended solely for your use of the services.

You agree to cooperate with Pageier by providing relevant documents, transaction records, and other information as requested by Pageier, its auditors, Facility Providers, or governmental authorities. You are required to retain these records for at least nine years. Authorities and Pageier’s partners reserve the right to audit and inspect these records at any time.

You must not represent yourself as an agent or representative of Pageier or any Facility Provider. You are also prohibited from making representations to customers or third parties that would require Pageier or its partners to assume any liability.

The services offered by Pageier, including its email marketing tools, are intended for personal or business use only. You are prohibited from selling, leasing, or sublicensing access to the services. Pageier offers an email marketing plan at $29/month, billed annually, designed to help small businesses. This plan allows you to send unlimited emails to audiences of up to 100,000. Misuse of the service, such as sending phishing emails or causing high spam rates, may result in suspension without eligibility for a refund. If you use features outside your purchased plan, you will be notified to upgrade or risk suspension of your Pageier account.

Pageier will charge applicable fees for its services periodically. These fees will be assessed according to the rates, methods, and frequency as determined by Pageier. The company reserves the right to adjust fees at its discretion, and it is your responsibility to stay informed about these potential changes.

In addition to the fees, any applicable taxes will be added to the charges. You agree to cover any taxes that become applicable due to statutory changes during the period of these terms. These tax obligations are separate from the fees and will be charged accordingly.

Invoices for the services rendered will be issued monthly and made accessible on your dashboard. Should you have any concerns or disputes regarding an invoice, you must notify Pageier within ten days from the invoice date. Pageier will then make reasonable efforts to address and resolve any disputes related to legitimately disputed amounts.

As a user, you are responsible for the daily reconciliation of all processed transactions. In the case of any discrepancies, you are required to notify Pageier within three working days. Failure to report discrepancies within this time frame will release Pageier from any responsibility for unresolved issues related to the transactions.

It is also your responsibility to update your HST or VAT registration number on the Pageier dashboard before an invoice is generated. You are required to submit your HST or VAT certificate as part of this process. Pageier is not liable for any errors or misrepresentations made in the submission of your HST or VAT number. Should Pageier incur any liability due to incorrect or withheld statutory information provided by you, these will be recovered from you.

Bonuses will only be granted for purchases made through the official Pageier website. Purchases or plans acquired from sub-account holders or agencies will not qualify for bonuses.

By using the Pageier website, you give your consent to the use of your information as outlined in the company’s privacy policy. This is a necessary condition for utilizing the services offered by Pageier.

The Pageier website may provide links to external third-party websites or resources. Since Pageier has no control over these external sites, it is not responsible for the availability or content of such resources. Any interaction you have with these third-party websites is at your own risk, and Pageier bears no liability for any damages or losses incurred as a result of these interactions. You acknowledge that Pageier will not be responsible for any third-party acts, omissions, or errors.

Additionally, the website may offer access to financial products and services such as loan facilities, credit card facilities, and investment services provided by lending partners. The terms and conditions for these services can be accessed through the respective partner sites.

Pageier ensures that the services provided will substantially align with the service documentation available on the website. However, the company does not guarantee that the services will be uninterrupted, error-free, or fully meet your specific business needs. The services are provided on an “as is” basis, except as otherwise specified in these terms.

Pageier, including its employees, affiliates, and service providers, will not be held liable for any damages, including but not limited to lost profits, delays, or data loss, arising from the use or inability to use the website or services. This includes any issues related to external third-party websites that you access through links on the Pageier site.

In any event, the total liability of Pageier and its affiliates in relation to the services will not exceed an amount equivalent to one month of fees paid by you for the services that give rise to the liability. If any loss or damage is contributed to by you or your third-party providers, the liability of Pageier will be reduced accordingly.

Service interruptions or delays resulting from data transfers over communication networks or during maintenance activities are outside the control of Pageier. The company will not be liable for any losses or damages resulting from such disruptions, including downtime. It is important to acknowledge that Pageier services and documentation may be subject to inherent limitations and delays in communication networks.

Pageier reserves the right to access and manage accounts when necessary to provide support or ensure the proper functioning of the Pageier application. This may involve modifying, managing, or even accidentally deleting data related to your account. By using the services, you consent to these actions, which aim to maintain and improve the quality of the services.

To assist you with technical support, Pageier’s staff may need to access your account. While they will exercise caution, there is a possibility of errors. If any accidental data loss or modifications occur during this process, Pageier will not be liable for the resulting damages. It is recommended that you maintain your own backups of important data to safeguard against such incidents. By using Pageier services, you accept the risk of such accidental errors and acknowledge that the company cannot be held responsible.

You agree to indemnify and hold harmless Pageier, including its officers, affiliates, group companies, directors, agents, and employees, from any claims, whether brought by third parties or not, as well as any causes of action, demands, recoveries, losses, damages, fines, penalties, or other costs. This includes legal fees that arise from or are related to your breach of the terms, your violation of applicable laws or third-party rights, or disputes that may arise between you and any third party concerning your use of the Website.

“Card Payment Network Rules” refer to the established guidelines, regulations, and processes imposed by card payment networks that facilitate transaction authorization. You must comply with all applicable rules and regulations set forth by these networks, such as Visa, MasterCard, Diners, and American Express. Any amendments to these rules by the card networks may necessitate changes to these terms, which will be binding on you immediately. You agree to adhere to all such rules and requirements as published by the card networks. Even if Pageier assists you in understanding these rules, you assume full responsibility for complying with them.

If your non-compliance with Card Payment Network Rules results in fines, penalties, or other costs levied on Pageier by the card networks, you will promptly reimburse Pageier for the amounts incurred. In the event of such non-compliance, Pageier reserves the right to suspend settlements or terminate services immediately.

Pageier’s failure or delay in enforcing any provision of the terms does not constitute a waiver of that provision. The exercise of one or more of Pageier’s rights will not prevent the exercise of any other rights or remedies available under these terms or at law. A waiver will only be effective if made in writing by an authorized Pageier officer.

If Pageier’s performance of its services or operation of the Website is hindered by factors beyond its control, such as labor disputes, natural disasters, pandemics, or utility failures, Pageier will be excused from performing to the extent of the disruption. Such events, which are classified as force majeure, will not constitute a breach of obligations and will not subject Pageier to any legal liability.

You agree to comply with all applicable anti-bribery and anti-corruption laws, ensuring that neither you nor anyone acting on your behalf engages in illegal acts to obtain a commercial advantage. This includes prohibiting payments, gifts, or any other inducements to government officials, public servants, or third parties. Pageier takes compliance with anti-bribery laws seriously, and you are responsible for ensuring that you act within legal bounds.

You may not transfer or assign your rights or obligations under these terms, but Pageier can assign its rights without being required to notify you. Pageier’s failure to act on a breach does not preclude it from acting on future or similar breaches. Any legal disputes related to the Website or these terms will be governed by the laws of Canada. In any legal action, the prevailing party is entitled to recover all legal expenses, including attorney fees. Pageier also retains the right to offset any liabilities you owe under these terms against any funds or sums that may be credited to or owed to you.

You are prohibited from representing yourself as an agent of Pageier or making any claims about the company’s products or services without proper authorization. Furthermore, you may not give warranties to customers or third parties that obligate Pageier in any way.

Pageier may modify the Website, its policies, agreements, terms, and privacy policies at any time. Changes may be implemented to comply with legal or regulatory updates, correct errors, or reflect process improvements or market changes. Continued use of the services following such changes constitutes your acceptance of the revised terms. If you disagree with the changes, you are free to discontinue your use of the services.

Some services provided by Pageier may be supported by advertisements. Advertisements may be targeted based on the content of the information stored, queries made, or other relevant data. Pageier reserves the right to change the manner and extent of advertising on its services without notifying users. By using the services, you agree to allow Pageier to place advertisements on the Website, in print media, and across electronic and social media platforms

Pageier reserves the right to immediately suspend its services and withhold any payments to you under certain circumstances. This action may be taken without liability if you breach any terms of the agreement, engage in illegal transactions, or violate any of the prohibited products and services listed below. Additionally, Pageier may act on instructions from facility providers, government authorities, or law enforcement to suspend services, even if there is an ongoing investigation. Any transactions flagged as high risk or suspicious, based on Pageier’s internal fraud detection systems, can also lead to suspension. Furthermore, if Pageier identifies any pending or excessive disputes, refunds, or reversals associated with your account, it may suspend services. Intellectual property infringement, selling counterfeit goods, or materially changing your business model without prior permission also qualifies as grounds for suspension. Pageier has the discretion to act if your activities pose unacceptable risks or if regulatory changes require the suspension of services.

The terms of this agreement come into effect as soon as you begin using Pageier’s services. Both you and Pageier have the right to terminate the agreement at any time. Pageier may do so for any reason, including any activities that could harm its reputation. In cases where local laws require notice before termination, Pageier will provide you with such notice before terminating your account.

Even after termination, you remain responsible for any obligations incurred while using the services. Upon termination, you must cease all use of the services. If you continue using them after termination, it implies your renewed agreement to the terms. Additionally, Pageier will not be liable for any compensation, damages, or reimbursement related to your usage of the services or the termination of services. You remain accountable for any fees, fines, or other financial obligations that were incurred before termination.

Pageier strictly prohibits the use of its services for certain products and services, including adult goods and services, which encompass pornography, escort services, and membership in illicit websites. Alcoholic beverages, including beer, wine, and liquor, are also prohibited. The sale or distribution of body parts, bulk marketing tools such as email lists or spam software, and devices designed to descramble cable or satellite signals are similarly not allowed.

The platform has zero tolerance for child pornography or any materials involving minors. The sale of devices that circumvent copyright protection, as well as unauthorized copies of copyrighted media or software, is strictly forbidden. Pageier also prohibits counterfeit goods, including replicas of designer items, counterfeit autographs, and stamps.

Illegal drugs, drug paraphernalia, and aids to circumvent drug tests are banned, as are endangered species products and items associated with gambling, such as lottery tickets and sports betting. The sale of government-issued IDs, hacking tools, and other illegal goods is also prohibited.

Pageier disallows the sale of unsubstantiated “miracle cures,” offensive goods that promote hate or violence, and items associated with criminal activities. Pyrotechnic devices, toxic substances, and other hazardous materials are not permitted on the platform. Regulated goods, including airbags, government uniforms, pesticides, and slot machines, also fall under the list of prohibited items.

The sale of securities, tobacco, traffic control devices, weapons, and wholesale currency is restricted. The sale of live animals or their parts, multi-level marketing fees, and matrix scheme websites are likewise prohibited. Work-at-home schemes, drop-shipping products, and non-compliant products that violate local or international regulations are also not allowed.

Any service that could damage the reputation of payment gateways, including adult material and escort services, is banned. Pageier prohibits businesses that operate in ambiguous legal areas, such as those supplying controlled substances or unregulated telephony services. Outright illegal activities, including gambling and the publication of inflammatory content, are strictly forbidden.

The platform does not permit dealings in intangible goods like software downloads or participation in pyramid schemes. Any product or service detrimental to Pageier’s interests or those of its partner banks, as communicated from time to time, is also restricted. The sale or distribution of mailing lists and activities related to virtual currencies or cryptocurrencies that involve prohibited investments is forbidden.

Pageier prohibits services that facilitate money laundering and the provision of databases for telemarketing purposes.

Entities operating as chit funds or unregulated money services, such as remittance agents, are banned unless they are public sector units or government entities. This list of prohibited activities and products may be updated by Pageier without prior notice, based on guidance from facility providers.

You acknowledge and agree that the fees will be charged in accordance with the manner, rates, and frequency established by Pageier. Pageier reserves the right to modify the fee structure, including introducing charges for services that were previously offered at no cost. You understand that you will be responsible for any additional fees determined by Pageier in the following situations:

You utilize specific value-added services available on the dashboard, regardless of their prior availability free of charge. Additionally, if you access any new services not explicitly mentioned in these terms, you will also be liable for any associated fees. Your usage of any service, including value-added options, signifies your consent to any additional fees that may be applied by Pageier for those services.

Definitions

“Chargeback” refers to the reversal of the Transaction Amount debited by you, initiated by a Facility Provider at the request of their customer. This reversal is subject to the Facility Provider’s approval after reviewing the related transaction documents and information you provided, which results in Pageier being charged the Transaction Amount along with any related charges, penalties, or fines associated with processing the Chargeback. Chargeback Amount” is the total sum charged to Pageier by the Facility Provider as a result of a Chargeback.

“Payment Instrument” refers to any method of payment used by a customer to settle the Transaction Amount, including credit cards, debit cards, bank accounts, and prepaid payment instruments as defined under applicable law. “Permissible Deductions” includes (a) fees charged by Pageier, (b) the Chargeback Amount, including any fines and penalties, and (c) any other sums you owe to Pageier.

“Refund” refers to the processing of your request to Pageier to return the Transaction Amount (or a portion thereof) to the Payment Instrument used for the original payment. “Transaction” is an order or request made by a customer with you (or a third-party vendor utilizing your services) to purchase goods or services from you, resulting in a debit to the customer’s Payment Instrument. “Transaction Amount” refers to the sum paid by the customer related to a specific Transaction.

Payment Processing

Subject to both the General Terms of Use and these Specific Terms of Use for Payment Aggregation Services, Pageier will settle the Transaction Amount (after deducting Permissible Deductions) into your account within two (2) working days of the Escrow Bank following the date of the Transaction.

If Pageier settles the Transaction Amount under the General Terms of Use or any Specific Terms of Use prior to the agreed timeline, it reserves the right to recover the Transaction Amount immediately if it is not received in the Escrow Account within three (3) working days of the Transaction date for any reason. Pageier maintains the right to impose limits on the value of Transactions.

You have the option to purchase fee credits from Pageier for services rendered under these Specific Terms of Use for Payment Aggregation Services. For each Transaction, Pageier may deduct an amount equivalent to its Fees and applicable taxes from the Fee Credit. If there are insufficient funds in the Fee Credits, Pageier will deduct its Fees and applicable taxes from the Transaction Amount instead. Fee Credits allow you to receive the full settlement amount without any fee deductions. For instance, if you possess a Fee Credit of $100, all Transactions will be settled in full, with the Fees for these payments being deducted from your Fee Credit of $ 100.

Regarding Paylater Settlement, Pageier provides its services on an “AS IS WHERE IS” basis. You must ensure that customers provide informed consent to the lender and its Lending Service Provider (LSP) for any Transactions that enable the lender to disburse the loan through Pageier into your bank account

If a Facility Provider notifies Pageier of a Chargeback Request, you will be informed about the Chargeback. You acknowledge that the responsibility for Chargebacks, whether domestic or international, falls solely on you as outlined in the General Terms of Use or any related Specific Terms of Use. You also agree that the decision to utilize non-3D secure services is entirely at your discretion. Upon receiving a Chargeback Request, and subject to available funds, Pageier will promptly deduct the Chargeback Amount from the Transaction Amounts. These funds may be allocated, based on the Facility Provider’s decision, either to process the Chargeback in favor of the customer or to credit you. For clarity, Pageier is authorized to deduct the Chargeback Amount as soon as it receives a Chargeback claim. You have the right to provide Pageier with documents and information (“Chargeback Documents”) related to the Transaction in question to support (i) the completion of that Transaction; and/or (ii) the delivery of goods/services requested by the customer. You must submit the Chargeback Documents within three calendar days (or any other timeframe specified by the Facility Provider) from the date you receive notification of the Chargeback Request.

You agree that if you are unable to provide the necessary Chargeback Documents, or if the Facility Provider is not satisfied with the documents you submit, the Facility Provider may instruct Pageier to reverse the debit of the Chargeback Amount. This action will result in the Chargeback Amount being credited back to the customer’s Payment Instrument.

Regardless of the provisions outlined in these Terms, if the Facility Providers charge the Chargeback Amount to Pageier, you acknowledge that Pageier has the right to recover this Chargeback Amount from you. This recovery may occur through deductions from (i) the Transaction Amounts that are to be settled to you or (ii) any other funds you hold with Pageier while receiving the Services. If the available Transaction Amounts or funds are insufficient to cover the Chargeback Amount, Pageier is entitled to issue a debit note requesting reimbursement of the Chargeback Amount. You are required to reimburse the Chargeback Amount within seven days of receiving the debit note.

Upon notification of the termination of these Specific Terms of Use for Payment Aggregation Services or the General Terms of Use, Pageier reserves the right to withhold a sum from each settlement made during the notice period. This sum will be calculated based on a Stipulated Percentage for a period of 120 days from the date of termination. The withheld amounts will be used to settle Chargebacks. After processing these Chargebacks, Pageier will promptly transfer any unutilized amounts back to you at the conclusion of the withholding period. The ‘Stipulated Percentage’ refers to the proportion of Chargeback Amounts out of the total Transaction Amounts settled during the duration of these Terms.

If the amounts withheld under the aforementioned clause are insufficient to settle Chargeback Amounts incurred during the withholding period, Pageier reserves the right to issue a debit note requesting reimbursement of the Chargeback Amount. You must reimburse the Chargeback Amount within seven days of receiving this debit note.

The following procedures apply to Chargebacks related to EMI products supported by Facility Providers. For any loan cancellation requests, you must respond to Pageier within seven working days with an appropriate response. If the loan is to be canceled, you need to inform Pageier, and if the cancellation request is to be denied, you must provide proof of delivery and justification. For loans that are canceled based on your confirmation, the amount will be deducted from the daily settlement.

You acknowledge that, depending on the availability of funds in the Escrow Account, you are entitled to process Refunds at your discretion. The initiation of Refunds is entirely up to you, and Pageier will only process a Refund once you initiate it on the Website. All Refunds that you initiate will be directed back to the same payment method used for the original Transaction.

You agree that Pageier’s fees will always be applicable and must be paid by you for each Transaction, regardless of whether you have refunded the amount to your customer through standard refund channels or via the instant refund service provided by Pageier’s affiliate (if utilized).

If Pageier is notified by a Facility Provider that a customer has reported an unauthorized debit from their Payment Instrument (referred to as a “Fraudulent Transaction”), then, in addition to the rights outlined in Clause 16 of the General Terms of Use, Pageier is entitled to suspend settlements to you while inquiries and investigations are conducted by the Facility Providers.

If the Fraudulent Transaction leads to a Chargeback, it will be resolved in accordance with the provisions set out in the Terms. You acknowledge that Pageier will not be held liable for any issues arising from Fraudulent Transactions, whether they occur domestically or internationally.

In the event of any discrepancies between the General Terms of Use and the Specific Terms of Use, the Specific Terms will take precedence. Whenever possible, both sets of terms will be interpreted harmoniously. Capitalized terms used in this document but not defined here will carry the meanings assigned to them in the General Terms of Use. Additionally, the clauses related to Chargebacks and Fraudulent Transactions will survive the termination of these Terms.

You represent and warrant that during the entire duration of your use of the Services, you will implement, observe, and comply with all applicable requirements as outlined in Applicable Law, including but not limited to the provisions of the Payment Aggregator Guidelines. You will ensure that your operations align with these guidelines and will refrain from any actions that would breach them. You must clearly display your return and refund policies, including processing timelines for returns, refunds, or cancellations, as well as the general terms and conditions of use, on your website, web app, mobile site, or mobile app. You are responsible for delivering products and services according to the instructions provided by your customers.

You must not store, keep, or copy any customer data related to their Payment Instruments. If you suspect or become aware of a potential security breach involving customer data, you must notify Pageier immediately in writing. You are prohibited from storing any information related to Payment Instruments or customer Payment Instrument credentials. Upon request, you will provide written confirmation of compliance with these requirements in a manner acceptable to Pageier and the Facility Providers.

You are required to establish a comprehensive customer grievance redressal mechanism that outlines how you will address complaints received from your customers. This mechanism should include the details of the designated individual responsible for handling these complaints. Customers should be able to register their grievances via phone, email, or other electronic means. You are expected to respond to any complaints or grievances received from customers within five business days from the date of receipt.

You agree to comply with or establish an agreement with a third-party payment processing service provider to ensure adherence to the PCI DSS and the Payment Application-Data Security Standard (PA-DSS), if applicable. You will submit an annual written report to Pageier, demonstrating proof of compliance with these standards.

Should you become aware that you will not be compliant with PCI DSS or PA DSS for any reason, you must promptly notify Pageier in writing about such non-compliance or the likelihood of non-compliance.

Upon Pageier’s request, you will provide evidence of compliance as outlined in this clause and make available any audit results, scanning outcomes, or related documentation regarding this compliance. Additionally, Pageier reserves the right to conduct a security audit to verify your compliance with this clause, and you must fully cooperate with Pageier and its representatives to facilitate a satisfactory audit process.

You agree to adopt and enforce any information security requirements that Pageier deems necessary to ensure reasonable security processes and procedures.

“Optimizer Services” refers to a technology solution developed by Pageier that allows you to direct your payments through specific payment gateways based on your business conditions and preferences. This solution functions as a software layer over your payment system, enabling the routing of every payment request linked to your unique ID according to the rules you establish through the Optimizer’s merchant-facing dashboard.

“Optimizer Transaction” denotes any transaction that you route through the Optimizer Services. This involves an order or request placed by a customer, where they pay you the Optimizer Transaction Amount using the services of any payment gateway or aggregator.

“Optimizer Transaction Amount” is the sum paid by the customer to you, which you then route through the Optimizer Services.

You acknowledge that the Optimizer Services are provided by Pageier strictly as a software as a solution (SaaS) provider. These services are distinct and independent from other services offered to you. It is important to note that, in relation to the Optimizer Services, Pageier will only act as a SaaS Provider and not as a payment service provider.

By using the Optimizer Services, you consent to Pageier processing any data shared by you necessary for the provision of these services.

Pageier reserves the right to impose additional fees for the Optimizer Services.

You agree to indemnify and hold Pageier, along with its directors, managers, officers, employees, and agents, harmless from any losses resulting from claims, demands, actions, or proceedings arising from disputes or claims initiated by any payment gateway or aggregator related to the Optimizer Services.

Regarding Value Added Services, you may choose to access certain services available on the dashboard, which will incur additional charges as mutually agreed upon. Such payments will be made monthly, quarterly, annually, or at another agreed frequency. You acknowledge that these charges for value-added services may be deducted from the settlement amount payable from the Escrow Account as per these Terms.

In addition, you recognize that Pageier offers customizable templates for terms and conditions, return and refund policies, shipping policies, privacy policies, and more (collectively referred to as “Customizable Templates”). These templates are intended for you to use on your website, web app, mobile site, mobile app, or other digital platforms to ensure compliance with your obligations under the Payment Aggregator Guidelines. You agree to the following terms:

• The Customizable Templates are available during the onboarding process and are for your exclusive use.
• Pageier provides these templates on an “as is” basis.
• You represent and warrant that it is your responsibility to ensure the suitability of the Customizable Templates for your products or services, that you have sought independent legal advice before using them, that you release Pageier from any liability arising from their use, and that you have thoroughly reviewed and modified them as needed before publishing them on your platforms.

Despite any contrary statements in these Terms, Pageier explicitly disclaims all liability related to actions taken or not taken based on the Customizable Templates. Furthermore, Pageier does not endorse and is not responsible for any third-party content accessible through the Customizable Templates.

In terms of Specific Terms for Gaming Merchants, these terms apply exclusively if you are identified as a gaming merchant.

You represent and warrant that:

• You do not engage in any activities that breach any laws concerning gaming, gambling, betting, or wagering.
• Your services to customers are not construed as competitions, contests, games, or events, whether online or offline, whose outcomes rely primarily on chance.
• Your services consistently comply with all applicable laws, including those that impose restrictions or prohibitions on gambling, betting, wagering, and gaming activities.

In relation to E-Mandate Services, you acknowledge that fees will be charged according to the rates and frequency set by Pageier. Pageier retains the right to modify the fee structure, including the introduction of fees for previously free services. You agree to cover any additional fees determined by Pageier if:

• You utilize value-added services on the dashboard, regardless of prior availability at no cost.
• You engage in any new services not explicitly detailed in these Terms.

Your continued use of any service or value-added service will be interpreted as your consent to any additional fees imposed by Pageier.

Subscription Services offer a platform for creating and managing subscription plans for customers with automated recurring transactions. This allows you to create multiple subscription plans, automatically charge customers based on a billing cycle you control, and receive instant alerts on payment activities and subscription statuses.

You acknowledge that these Subscription Terms apply to debit, credit, and prepaid instruments or other methods notified from time to time, collectively referred to as “Card,” and do not apply to one-time payments.

You also acknowledge that a customer wishing to utilize the e-mandate facility on a Card must undergo a one-time registration process, which includes Additional Factor Authentication (AFA) validation by the issuer bank. An e-mandate for recurring transactions on a Card will only be registered following successful AFA validation.

If the initial transaction coincides with the e-mandate registration, AFA validation may be combined. Subsequent recurring transactions will only be processed for Cards that have been successfully registered and for which the initial transaction was authenticated and authorized.

Upon successful registration and approval of the e-mandate request, Pageier will periodically initiate subsequent recurring payments in accordance with the e-mandate unless it is modified or deregistered by the customer. Pageier expressly disclaims liability for any outages or failures attributable to Facility Providers.

To process recurring transactions, customer Card details must be securely saved or tokenized according to applicable laws. For custom checkout and server-to-server integration, you are responsible for:

• Obtaining informed consent from customers for processing e-mandates, including the secure storage/tokenization of their Card details per applicable laws. Consent must be explicit and not automatically selected.
• Sharing customer consent with Pageier to trigger the AFA with the issuing bank, necessary for saving the Card and processing the e-mandate registration. If customer consent is not shared during payment processing, Pageier will not tokenize the card or process the e-mandate or recurring transaction.

You agree that Pageier will not be responsible for payments processed or funds debited from a customer’s bank account under the following conditions:

• If a customer disputes a transaction as unauthorized.
• If a charge occurs due to hacking, phishing, or security breaches of customer data through your or any third-party platform.
• If a customer requests a refund for amounts deducted for any reason, including dissatisfaction with goods or services.

In specific instances, Pageier acts solely as a technical service provider, and you are the token requestor for saving and securing the Card. You are responsible for providing customer informed consent for saving the Card and registering the e-mandate with Pageier. Pageier is not liable for your actions, omissions, or non-compliance with applicable laws.

You agree to keep Pageier fully indemnified against all losses, damages, penalties, etc., incurred by Pageier as a result of any breaches by you of these Terms concerning the e-mandate services or Subscription Services.

By using the Subscription Services, you affirm that you will ensure customer consents are obtained and maintained, indemnifying Pageier against any claims, disputes, or damages arising from a failure to do so.

If you choose to withdraw your services from Pageier, please refer to the following section for details on termination.

Termination: You can terminate your agreement with Pageier at any time by providing a written notice of at least 30 days.

Upon termination, you agree to promptly cease all access to and use of the Services. You remain liable for all fees due up until the termination date and any charges incurred in connection with the Services. Pageier may retain the information and data related to your account as permitted by applicable laws.

In addition, Pageier reserves the right to terminate your access to the Services with immediate effect if:

• You breach any of the provisions of these Terms.
• You engage in any conduct that could harm Pageier’s reputation or that of the Services.
• You exceed any limitations established by Pageier concerning the Services.
• You fail to comply with applicable laws and regulations in connection with your use of the Services.

Limitation of Liability: Pageier will not be liable to you for any indirect, incidental, or consequential damages, including loss of profits or business opportunities, arising from your use or inability to use the Services, even if Pageier was advised of the possibility of such damages. The total liability of Pageier concerning these Terms will not exceed the fees paid by you for the Services during the 12 months preceding the claim.

Disclaimer: All Services are provided “as is” and without warranty of any kind. Pageier does not guarantee that the Services will be uninterrupted, secure, or error-free.

By using the Services, you acknowledge that you have read, understood, and agree to these Terms, which constitute the entire agreement between you and Pageier concerning the Services. These Terms supersede all prior discussions or agreements regarding the Services.

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will remain in full force and effect. These Terms may be amended from time to time by Pageier, and any changes will be effective upon posting on the Pageier website. Your continued use of the Services following any modifications constitutes your acceptance of the amended Terms.

These Terms are governed by the laws of the jurisdiction where Pageier is registered, and any disputes arising under these Terms will be subject to the exclusive jurisdiction of the courts in that jurisdiction.

You acknowledge that fees will be charged in accordance with the rates, methods, and frequency established by Pageier. Pageier retains the right to revise these fees, including for services that were previously provided at no charge. Furthermore, you agree to cover any additional fees that may be determined by Pageier under the following circumstances.

For inquiries regarding your account, intellectual property matters, or any questions related to Pageier services, please reach out via email: support@pageier.com.

Terms of Use

These terms govern the use of any products or services available on the Pageier website. They constitute a binding legal agreement between you and Pageier, applicable to all features, services, API integrations, and linked content offered through the platform.

We recommend that you read these terms thoroughly alongside our Privacy Policy, which is incorporated by reference into this document. If you do not agree with these terms, you are not permitted to use our services.

Pageier operates as a Software-as-a-Service (SaaS) platform, allowing users to subscribe to various products and services. By utilizing the Pageier website, you agree to adhere to the most recent version of these Terms of Use. We reserve the right to modify these terms at any time, and it is your responsibility to review them periodically.

You can always access the latest version of the terms at the Terms of Use link on our website. In instances of fraudulent activity, Pageier reserves the right to recover legal fees and other associated costs incurred.

Definitions and Interpretation

The “Agreement” refers to the contract between you and Pageier, comprising these terms and conditions, the privacy policy, and any other relevant policies.

“Pageier Subscriptions” denote the platform that provides users with various software services in exchange for subscription fees.

“Account” refers to the registered account through which users access Pageier services.

“User/Visitor” encompasses any individual utilizing Pageier’s services.

“Content” includes text, images, graphics, video, music, or any other media present on the platform.

“User Content” refers to all content submitted by users to Pageier for publication or use within the platform.

“SNS” stands for Social Networking Sites, including platforms such as Facebook and Twitter.

The official language of this agreement is English, and the headings provided are for convenience only.

Eligibility for Membership

Pageier services are exclusively available to individuals who are legally capable of entering into binding contracts under applicable law. By using Pageier, you confirm that you meet this eligibility requirement. These terms supersede any previous agreements or representations unless explicitly stated otherwise in product-specific terms.

Grant of License

You are granted a non-exclusive, non-transferable license to use Pageier services solely for your internal business purposes. This license is subject to your compliance with these terms and is limited to the duration of your subscription unless terminated earlier. All intellectual property rights, including modifications or updates to Pageier’s services, remain the exclusive property of Pageier and its licensors.

Pageier may integrate third-party components and services. By utilizing these services, you agree to adhere to the terms established by these third-party providers.

You agree that your use of any service or value-added service shall be interpreted as consent to any additional fees that may be applied by Pageier for such services.

Subscription Services offer a platform for creating and managing subscription plans for your customers with automated recurring transactions. Through this product, you can create multiple subscription plans, automatically charge customers based on a billing cycle that you control, and receive immediate alerts regarding payment activity and subscription status.

You acknowledge and agree that these Subscription Terms apply to debit, credit, and prepaid instruments or other methods as notified from time to time (collectively referred to as “Card”) and do not pertain to one-time payments.

You acknowledge and agree that:

• Customers wishing to utilize the e-mandate facility on the Card must complete a one-time registration process, including Additional Factor Authentication (AFA) validation by the issuing bank. An e-mandate for recurring transactions will only be registered after successful AFA validation.
• If the first transaction coincides with the registration of the e-mandate, AFA validation may be combined. Subsequent recurring transactions will be processed only for those Cards that have been successfully registered and for which the first transaction has been authenticated and authorized.
• Following successful registration and approval of the e-mandate request, Pageier will periodically initiate subsequent recurring payments unless the e-mandate is modified or deregistered by the customer.
• Pageier explicitly disclaims any liability for outages or failures attributable to facility providers.

You further agree that in order to process recurring transactions, customer Card details must be saved, secured, or tokenized in compliance with applicable laws. Therefore, for custom checkout and server-to-server integration, you shall:

• Be solely responsible for obtaining informed consent from customers for processing e-mandates, including the secure storage or tokenization of the customer’s Card details. Such consent must be explicit and not based on forced, default, or automatic selections.
• Share customer consent with Pageier so that Pageier can trigger the AFA with the issuing bank, which is required to save the Card and process the e-mandate registration. If such consent is not shared during the payment flow, Pageier will not tokenize the card or process the e-mandate or recurring transaction.

You agree that Pageier will not be held responsible for payments made or funds debited from a customer’s bank account under the following circumstances, and no liability shall arise for Pageier concerning such customer claims:

• If a customer disputes a transaction as unauthorized.
• If a charge or debit occurs due to hacking, phishing, or any security breach involving the customer’s personal data through your platform or any third-party platform other than that of Pageier.
• If a customer requests a refund for amounts deducted from their bank account for any reason, including dissatisfaction with the goods or services provided.

You agree that in certain instances, Pageier acts solely as a technical service provider, and you are the token requestor for saving, securing, or tokenizing the Card. Accordingly, you are liable for ensuring that customer consent is obtained and communicated to Pageier. Pageier bears no liability towards you or any third party for your acts, omissions, or non-compliance with applicable laws.

You agree to indemnify Pageier at all times against all losses, damages, and penalties incurred due to your breaches of these terms.

You are responsible for maintaining records of your activities under these terms, including logs of all instances of obtaining customer consent, and shall provide these records to Pageier in real-time or upon request. Pageier and facility providers reserve the right to audit your compliance with these terms at any time, given prior notice.

You accept sole responsibility for any hashed string storage you undertake.

In case of any conflict between the General Terms of Use and these Specific Terms of Use, the Specific Terms will prevail. To the extent feasible, they will be interpreted harmoniously.

Any capitalized terms used in these Specific Terms of Use but not defined here shall have the meanings ascribed to them in the General Terms of Use.

Privacy Policy

We value your privacy highly. By agreeing to these Terms of Use, you acknowledge that you have read, understood, and accepted our policies, including those detailed in our Privacy Policy. You can find the complete Privacy Policy on our website. Any issues concerning your personal information, including sensitive data, should be directed to the appropriate contact as outlined in our policies.

Pageier strives to ensure its services are accessible for nine hours a day, six days a week. Nevertheless, downtime may occur due to planned maintenance or unforeseen circumstances, such as natural disasters, technical malfunctions, or cybersecurity threats.

While we aim to provide uninterrupted service, Pageier cannot be held responsible for any disruptions or damages that may result from such events. We reserve the right to modify, suspend, or discontinue services at our discretion and without liability.

Payment and Refund Policy

Payments for Pageier services are processed via third-party providers, and all subscription fees are non-refundable except in specific cases as outlined in our Refund Policy. If you experience any payment-related issues or service problems, please contact our support team immediately.

We offer a 10-day refund policy for initial purchases. After this period, refunds will not be granted for reasons such as accidental purchases, unmet expectations, or discounted plans. Repeated abuse of the refund policy may result in the denial of future refund requests.

No Amendment Policy for HST Information

Once a transaction is completed and an invoice is generated, changes to the provided HST number are not permitted. This policy ensures compliance with tax regulations and the accurate generation of e-invoices.

All refunds will be subject to verification and must adhere to relevant tax laws. Pageier reserves the right to reject any refund requests if the information provided is found to be inaccurate or incomplete.

Compliance and Legal Obligations

All users are required to adhere to applicable local laws concerning online behavior, taxation, and acceptable content. Pageier reserves the right to pursue legal action in instances of fraudulent activities or breaches of these terms.

Registration

To access the full range of services offered by Pageier, you must create an account. The registration process will request personal information such as your name, email address, and password. By registering for an account, you affirm that all information provided is accurate, current, and truthful.

Key Responsibilities

You are responsible for maintaining the confidentiality of your account details, particularly your password. Any activity that occurs under your account is your responsibility.

You must notify Pageier immediately if you suspect any unauthorized access or breach of your account.

Sharing your login credentials with unauthorized individuals is prohibited. Pageier will not be liable for any loss or damage resulting from your failure to comply with these terms.

For enhanced security, we recommend creating a strong password that includes a mix of uppercase and lowercase letters, numbers, and symbols.

You agree to provide accurate and up-to-date information for your account. Should any of your personal details change, it is your responsibility to update your account promptly.

When creating an account, you must not:

• Provide false personal information, such as a fake username, or create an account on behalf of someone else without their consent.
• Use a username that impersonates another person or infringes on another person’s rights.
• Choose offensive, obscene, or inappropriate usernames.

Pageier reserves the right to suspend or terminate your account if any provided information is found to be false or misleading. If you suspect your account has been compromised, please notify us at support@pageier.com.

You are not permitted to transfer or sell your Pageier account to another individual or entity. If you create an account on behalf of a business, you guarantee that you have the authority to bind that business to this agreement.

Account Limitations

Only one account per valid email address is allowed. Multiple accounts will require separate email addresses.

Pageier’s services are unavailable to users whose accounts have been temporarily or permanently suspended. We reserve the right to cancel inactive or unconfirmed accounts at our discretion.

Compliance with Local Laws

You agree to comply with all applicable local laws concerning online conduct and taxes. Additionally, you must adhere to Pageier’s policies as outlined in this agreement and other policies available on our website.

Services

Pageier provides Software-as-a-Service (SaaS), requiring users to register to access available services. Users must subscribe to these services, selecting and paying for a subscription plan as detailed in the Payment and Refund Policy.

By subscribing to Pageier, you gain access to all services offered under your selected subscription plan.

Payments

Users can choose from various payment methods available on the subscription page. Currently, we support payment providers such as PayPal, Stripe, and Razorpay, among others. Pageier utilizes third-party payment processors to handle transactions and cannot be held responsible for any delays, errors, or cancellations caused by these providers.

While we diligently work with reliable payment processors, Pageier cannot control their systems, technologies, or workflows. As such, we are not liable for any issues that may arise from their operations.

Pageier reserves the right to decline transactions for users with a history of suspicious or fraudulent activities. We are not liable for damages, claims, or delays caused by failed or delayed transactions that are outside of our control.

Fraudulent Activity:

In cases of fraudulent behavior, Pageier has the right to recover the costs of services, legal fees, and any other related expenses. Additionally, we may pursue legal action for any fraudulent use of our website or violations of our terms.

Merchant Liability:

Pageier holds no responsibility for transactions that are declined due to cardholder limits or issues related to authorization with the acquiring bank.

Email Address Policy:

Once an account is created, the registered email address is permanent and cannot be changed. This policy applies to all users, including those with Lifetime Deal (LTD) accounts, across all Pageier products.

Grant of License:

When you subscribe to Pageier, we provide you with a non-exclusive, non-transferable, non-assignable worldwide license to use the services you’ve purchased. This license is limited to your internal business use and is valid for the duration of your subscription, as long as you comply with these terms and the relevant service documentation.

The license remains in effect for the subscription term unless terminated earlier due to a breach of the agreement.

Restrictions:

You are granted only the rights explicitly stated in this agreement. All intellectual property rights, including updates, modifications, and enhancements to Pageier’s services, belong solely to Pageier and its licensors.

Pageier’s services may include third-party components, and by using these services, you agree to comply with the terms of those third-party providers.

Service Level:

Pageier aims to maintain service availability for nine hours a day, six days a week. However, disruptions may occur due to scheduled maintenance or unforeseen events like natural disasters, strikes, or technical issues. Pageier disclaims responsibility for any interruptions and reserves the right to modify or discontinue services without liability.

Refunds and Cancellation Policy:

Refunds are generally not provided, except in specific circumstances such as Pageier discontinuing services for reasons outside of the agreed terms. A 30-day money-back policy applies only to first-time purchases. Refunds are not offered for accidental purchases, special deals, or requests based on unavailable features.

User Warranties and Representations:

Users are responsible for providing accurate information and adhering to legal requirements when using Pageier’s services. The website reserves the right to take legal action and block users who provide false information or engage in fraudulent activities.

User Responsibilities and Risk:

Users should exercise caution when interacting with third-party websites linked from Pageier. They are responsible for ensuring that their actions on these external sites comply with applicable laws. Pageier disclaims any liability for issues that arise from interactions with third-party platforms.

This ensures that users are clear on their obligations and responsibilities, while also protecting Pageier from any legal or transactional risks associated with user activity. If you have any additional requests or need further clarification, let me know!

The site cannot be used for:

• Sharing unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable content.
• Encouraging behavior that could result in criminal offenses, civil liability, or violations of applicable laws, regulations, or codes of conduct.
• Disrupting or interfering with other users’ ability to enjoy the site.
• Engaging in any illegal activities.
• Interfering with the operation of networks or websites connected to the site.
• Creating, transmitting, or storing unauthorized electronic copies of copyrighted materials.

We reserve the right to limit, suspend, or terminate services and user accounts at our discretion. This can happen if we believe a user is generating legal liabilities, infringing on intellectual property rights, or violating any of our policies. Additionally, we may modify or discontinue services without prior notice, including the termination of inactive accounts.

Modification of Terms & Conditions

We reserve the right to modify these Terms & Conditions at any time, without prior notice. Users are encouraged to review the terms regularly. Continuing to use the site after any revisions constitutes your acceptance of the updated terms. If you disagree with any changes, you should discontinue use of the site.

Reviews, Feedback, and Submissions

Any reviews, comments, suggestions, or ideas (collectively referred to as “Comments”) that you submit to the site become our property. By submitting Comments, you grant us the right to use, reproduce, publish, and modify them without any obligation to compensate you. We are under no obligation to keep any Comments confidential or to pay for them.

You agree that your Comments will not infringe on the rights of third parties or contain unlawful, abusive, or defamatory content. You are responsible for the content you submit and agree to indemnify us from any claims resulting from your Comments.

Copyright and Trademark

All content on this site, including text, images, and software, is the intellectual property of the site or its licensors. You are granted limited permission to access and download content for personal, non-commercial use only. Any reproduction, modification, or distribution of this content without proper authorization is strictly prohibited.

The trademarks on this site, including logos and slogans, are protected and cannot be used without permission.

Indemnity

You agree to indemnify and hold harmless the site, its employees, agents, and partners from any claims arising from your use of the site, including but not limited to violations of intellectual property rights or any unlawful actions.

Termination

We reserve the right to suspend or terminate your access to the site at any time, without notice, especially in cases of policy violations or illegal activity. Restrictions on the use of downloaded materials and limitations of liability will remain in effect after such termination.

Disclaimer and Limitation of Liability

The site is provided on an “as is” basis, without any warranties. You assume all risks associated with using the site. We are not liable for any damages resulting from the use or inability to use the site, including service interruptions, errors, or inaccuracies.

Customer Data

You retain ownership of all data you upload to the site (“Customer Data”). However, we are granted a limited license to use this data in order to perform our services. After account termination, your data will be retained for 30 days before being deleted, unless otherwise required by law.

We may use anonymized and aggregated data internally to enhance our services.

This User Agreement is governed by the laws of Canada, regardless of your location. Any disputes or legal proceedings arising from this agreement will be subject to the exclusive jurisdiction of the courts located in Mississauga.

Dispute Resolution

“Dispute” refers to any disagreement between you and us related to the Website. Both parties agree to resolve disputes through binding arbitration to ensure a quicker, more cost-effective resolution. Arbitration involves a neutral arbitrator instead of a judge or jury and has more limited discovery and review. Arbitrators have the authority to grant the same damages and relief that a court can provide. This arbitration agreement applies to all claims related to these terms, no matter the legal theory, including but not limited to contract, tort, statute, fraud, or misrepresentation. By agreeing to these terms, both you and we waive the right to a trial by jury or participation in a class action.

The arbitration will take place in Canada,and will be conducted in English. The arbitrator’s decision will be final and binding. Any attempts to file a lawsuit where arbitration is required by this agreement will be opposed in line with this provision.

Site Security

You are strictly prohibited from violating or attempting to compromise the security of the Site. This includes, but is not limited to:

• Accessing data that is not intended for you or logging into unauthorized accounts or servers.
• Probing, scanning, or testing the Site’s system for vulnerabilities without proper authorization.
• Interfering with the Site’s services by submitting viruses, causing overloads, spamming, or attempting to crash the Site.
• Sending unsolicited promotional or advertising emails.
• Forging TCP/IP packet headers in emails or newsgroup postings.

Violations of these security measures may result in civil or criminal liability. We will investigate any breaches and cooperate with law enforcement as necessary. You agree not to use any devices, software, or routines to interfere with the proper functioning of the Site.

Privacy

All personal information and user-generated content displayed or provided on the Site and its Services are subject to our Privacy Policy.

Notice

By using the Site and its Services, you agree that communications from us will primarily be electronic. We will contact you via email or post notices on the Site. You acknowledge that these electronic communications fulfill any legal requirement for written communication.

Notices will be deemed delivered once posted on the Site, 24 hours after an email is sent, or three days after a letter is mailed. For proof of service:

• For letters, they must be properly addressed, stamped, and mailed.
• For emails, they must be sent to the correct address.

Legal Compliance

In addition to this agreement, you must comply with all relevant local, state, and international laws related to your use of our services. You are solely responsible for ensuring that your activities on the Website are in compliance with the applicable laws in Canada and any other country involved.

Links to Other Websites

Links to third-party websites are provided solely for your convenience. We do not control or review these websites and are not responsible for their content. We make no endorsements or representations regarding them. Accessing any linked websites is at your own risk.

No Waiver Implied

Failure to enforce any provision of this agreement at any time does not mean we waive our right to enforce it in the future. Any specific waiver of a provision does not imply future waivers of that provision.

Severability

If any provision of this agreement is found to be invalid or unenforceable, the remaining provisions will continue to be valid and enforceable.

Assignment

You may not transfer your rights or delegate your responsibilities under this agreement without our prior written consent. We may assign our rights or delegate our responsibilities without your consent. Any unauthorized assignment or delegation is invalid. These terms bind all permitted successors and assigns.

Force Majeure

We are not liable for any failure to perform under these terms due to circumstances beyond our control, including but not limited to:

• Acts of God,
• Natural disasters,
• Sabotage,
• Accidents,
• Riots,
• Material shortages,
• Strikes,
• Civil unrest,
• Hacking,
• Malicious damage.

Digital Signature

By using our services, you are considered to have electronically signed this agreement, effective from the date you registered your account. By registering, you acknowledge your ability to receive, download, and print this agreement electronically.

You agree to receive records and notices in electronic form instead of paper. However, we may still choose to communicate via postal mail when necessary. This consent will remain in effect until you notify Customer Support that you wish to withdraw it. Withdrawing your consent will result in the termination of your access to our Services. The withdrawal of consent does not affect the legality of records provided electronically before the withdrawal.

Entire Agreement

These Terms represent the full understanding between you and us, superseding any previous agreements. Any promises, inducements, or statements that are not included in these Terms are void.

Contact Us

If you require further clarification regarding our Terms and Conditions, please contact us at support@pageier.com.