QPAY INC. TERMS OF USE AND PRIVACY POLICY

REDISTRIBUTION NOT PERMITTED

TERMS OF USE

This website (the "Site") is offered to you conditioned upon your acceptance without modification of the terms, conditions and notices contained herein. Your use of this Site constitutes your agreement to all such terms, conditions and notices. Please read these Terms of Use carefully. If you do not agree to these Terms of Use, you may not use this Site.

Qpay Inc. has established the following Terms of Use to outline the rights and responsibilities of users of this Site. Qpay Inc. may update and change these Terms of Use from time to time. You must review these Terms of Use each time you use this Site to confirm your agreement to abide by them. Our policies are designed to ensure that all users have a safe and productive experience.

You agree that whenever you access this Site you will comply with the following Terms of Use, which include our copyright policy and legal disclaimers. You agree that by using this Site or engaging in any of the activities described in these Terms of Use after changes have been made to these Terms of Use, you are agreeing to accept and comply with those changes.

SITE SECURITY

YOU ARE SOLELY RESPONSIBLE FOR ALL USE OF AND ACCESS TO INFORMATION AVAILABLE THROUGH THIS SITE, INCLUDING SUCH USE OR ACCESS THROUGH ANY USER ID AND PASSWORD YOU AUTHORIZE. QPAY INC. SHALL HAVE NO LIABILITY FOR ANY ACTIONS RESULTING FROM ACCESS TO THIS SITE, INCLUDING BY USING ANY SUCH USER ID OR PASSWORD AND YOU AGREE TO INDEMNIFY QPAY INC. FOR SUCH ACTIONS TO THE FULLEST EXTENT PERMITTED BY LAW.

AUTHORITY

You agree that you have the legal right and ability to agree to these Terms of Use and that you will use this Site in a manner consistent with these Terms of Use. You agree that you are financially responsible for your use of this Site, as well as for the use of this Site by others on your behalf, including any employees, agents or contractors.

YOUR CONDUCT

You agree to use this Site only for your business use, and only for lawful purposes. Qpay Inc. reserves the right to prohibit access to those individuals whom Qpay Inc. determines are violating these Terms of Use, restricting or inhibiting any other user from using or enjoying the Site, or whose conduct would constitute a criminal offense, give rise to civil liability, or otherwise violate Qpay Inc.’s policies or any applicable local, state, national, or international law. Please note that unauthorized entry (commonly referred to as hacking) into any portion of the Site may constitute a crime under state and/or federal law. Qpay Inc. will prosecute these violations to the fullest extent permitted by law.

PROTECTING YOUR INFORMATION

The security of information depends in part on the security of the computer you use to communicate with Qpay Inc., the security you use to protect any User IDs and passwords, and the security provided by your Internet access services provider. Qpay Inc. is not responsible for the security of your Internet access services provider; you should review the security and privacy policies of your internet access services provider carefully. Moreover, if others have access to your computer or any User ID and password, they may be able to access this information. You should log off when you are done viewing information or anytime you leave your computer. Qpay Inc. is not responsible for the security or privacy of information communicated to or from such a computer. Finally, you should keep any correspondence you receive relating to this Site confidential and in a safe place.

LIMITATION OF LIABILITY

BY ACCESSING THIS SITE, YOU AGREE TO HOLD HARMLESS AND WAIVE ALL CLAIMS AGAINST QPAY INC. AND ALL THIRD PARTY CONTENT PROVIDERS REGARDING THE INFORMATION PROVIDED ON THIS SITE AND ANY USE BY YOU OF SUCH INFORMATION. YOU AGREE THAT UNDER NO CIRCUMSTANCES SHALL QPAY INC. OR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS SITE OR ITS CONTENTS BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES FOR LOSS OF PROFITS, GOODWILL, BUSINESS INTERRUPTION, USE, DATA, EQUIPMENT OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) THAT RESULT FROM (1) THE USE OF OR INABILITY TO USE THIS SITE; (2) THE CONSEQUENCES OF ANY DECISION MADE OR ACTION OR NON-ACTION TAKEN BY YOU OR BY ANYONE TO WHOM YOU COMMUNICATE SUCH INFORMATION, OR FOR ANY ERRORS BY YOU IN COMMUNICATING SUCH INFORMATION; (3) THE COST OF SUBSTITUTE GOODS OR SERVICES; OR (4) ANY OTHER MATTER RELATING TO THE CONTENT, SERVICES, OR DISTRIBUTION OF SERVICES THROUGH THIS SITE. QPAY INC. SHALL NOT BE LIABLE FOR DAMAGE OR INJURY TO PERSONS OR PROPERTY ARISING FROM ANY USE OF ANY PRODUCT, INFORMATION, TEST, PROCEDURE, OR SERVICE CONTAINED IN THE MATERIALS PROVIDED TO USERS.

QPAY INC.'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY WITH RESPECT TO ANY DISPUTE OR CLAIM RELATED TO THESE TERMS OF USE, ANY SERVICES, OR THE PRIVACY POLICY IS THE CESSATION OF YOUR USE OF THE SITE. THESE REMEDIES ARE EXCLUSIVE AND ARE LIMITED TO THOSE EXPRESSLY PROVIDED FOR ABOVE. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

QPAY INC. CANNOT AND WILL NOT ASSUME ANY LIABILITY FOR UNAUTHORIZED OR FRAUDULENT USEOF THIS SITE.

INDEMNIFICATION

YOU AGREE TO INDEMNIFY AND HOLD QPAY INC. AND ALL THIRD PARTY CONTENT PROVIDERS WHICH PROVIDE CONTENT FOR THIS SITE, HARMLESS FROM ANY CLAIM OR DEMAND, INCLUDING REASONABLE ATTORNEYS’ FEES, MADE BY ANY THIRD PARTY DUE TO OR ARISING OUT OF CONTENT YOU SUBMIT, POST TO OR TRANSMIT THROUGH THIS SITE, YOUR USE OF THE SITE, YOUR CONNECTION TO THE SITE, YOUR VIOLATION OF THE TERMS OF USE, OR YOUR VIOLATION OF ANY RIGHTS OF ANOTHER USER.

PRIVACY POLICY

Qpay Inc. provides this privacy policy as an information resource for our customers and visitors. This privacy policy is to inform you of our method of collection and use of obtained information. Qpay Inc. values and respects your privacy and is committed to take reasonable and necessary steps deemed appropriate to secure and protect your personal confidential information. Privacy laws are also in place to ensure the security and confidentiality of consumer personal information. Qpay Inc. really cares about safeguarding your personal information and will fully disclose to you the reasons why we are collecting the information and how we will be protecting your personal information.

PURPOSE OF THIS PRIVACY POLICY

The purpose of this Privacy Policy is to inform you and assist you in understanding how we use and safeguard the information that we collect in providing our services to you. It is also to inform you what kinds of personal information we collect and whether we disclose your personal information to anyone.

WHY WE COLLECT PERSONAL INFORMATION

Qpay Inc. collects and uses Personal Information to assist us in providing services, products, and support to you our customers. We also collect and use Personal Information to notify you about new products and services, to communicate with you and to meet applicable legal and regulatory requirements; (which may include, but is not limited to, billing, collection, advertising, promotion, account and credit verification.

WHAT PERSONAL INFORMATION WE COLLECT

When you visit our website you will be required to provide certain Personal Information to complete the application so that you can access our services. We will only collect Personal Information that we believe is necessary to provide you those services such as; your name, address, e-mail address, phone number(s), social security/insurance number (if applicable) and banking information.

In order to better service your account and meet your needs we may utilize the services of third parties. However, we will maintain the same care and due diligence of your personal information. They may not release your Personal Information to any other person except as required or permitted by applicable law or court order or to defend the third party's rights in a legal dispute. Qpay Inc. may collect and use your IP address to improve our service and administer Qpay Inc Website. Your IP address may be used to identify you and to gather demographic information. IP addresses are also used to investigate alleged violations of Qpay Inc.

Terms and Conditions, spamming, improper use of the Website, or other improper or illegal activities.

DISCLOSURE OF PERSONAL INFORMATION

Qpay Inc. may only disclose your Personal Information to companies that we have a contractual relationship with for the marketing or provision of its services on our behalf. Also, Qpay Inc. may disclose your personal information to third parties involved in the development, promotion, marketing, billing or enhancement of Qpay Inc. services. Likewise, Qpay Inc. may disclose your personal information to a credit or collection agency, agents, banking organizations or other payment services.

Further, Qpay Inc. may disclose your Personal Information if it believes that disclosure is necessary or appropriate to conform to the requirements of applicable law or to comply with the legal process.

RETENTION OF PERSONAL INFORMATION

Personal Information will be retained as long as necessary for the fulfillment of those purposes or as otherwise required or permitted by applicable law.

PROTECTION OF YOUR PERSONAL INFORMATION

Qpay Inc. takes reasonable precautions to protect your Personal Information. We have invested in and deployed technological and physical security measures to protect the Personal Information and other information that we collect. For instance, when our registration form asks you to enter Personal Information, that information is encrypted and is protected with the encryption software most commonly deployed in the ecommerce industry, Secured Socket Layer ("SSL"). In addition, we maintain firewalls and other technical security measures for our servers and internal networks. The servers on which Personal Information is stored are located in secure facilities that are available only to authorized personnel. Our employees are dedicated to maintaining and upholding your privacy and security and are educated regarding this Privacy Policy.

ACCURACY OF PERSONAL INFORMATION AND CUSTOMER ACCESS TO PERSONAL INFORMATION

Qpay Inc. takes reasonable steps to make sure that the Personal Information you provide is accurate, complete and up-to-date for the purposes for which it is collected and processed. If you notify us that any Personal Information that we have is incorrect, we will review such information. If we agree that the Personal Information is incorrect, we will correct our records. If you would like to access your Personal Information you may print for your records or contact Qpay Customer Service at the number listed below.

CHILDREN’S PRIVACY PROTECTION

Qpay Inc. does not knowingly collect any personal information about children under 13 years of age. We do not knowingly use or disclose such information. Children under 13 years of age are not permitted to be Qpay Inc. Customers. If a child under 13 submits information through any part of Our Website, and we become aware that the person submitting the information is a child, we will attempt to delete this information as soon as possible.

OUR PRIVACY OFFICER

We have designated one or more individuals who monitor our compliance with this Privacy policy. The individual responsible for our compliance has been designated as Qpay Inc’s Privacy Officer and can be reached at the customer service number below. Other individuals may handle the day-to-day collection and processing of Personal Information. The Privacy Officer or Qpay inc. management may designate other individuals within Qpay Inc. to assist the Privacy Officer or to perform the Privacy Officer's responsibilities.

TO CONTACT US

Qpay Inc. Customer Service
16853 NE 2nd Avenue North Miami Beach, FL 33162
U.S. Toll Free: 1-877-236-7733