Terms and Conditions

Definitions

• “Service(s)” means any financial or digital services offered through the Website, including without limitation account creation, payments, lending, investment tools, analytics, credit scoring, digital wallets, API connections, and customer support.

• “User”, “you”, or “your” means any person or entity accessing or using the Website.

• “Content”means any materials, text, data, software, graphics, images, audio, or video accessible via the Website.

Acceptance of Terms & Amendments

• Your first use of the Website constitutes your acceptance of these Terms.

• We may amend the Terms at any time to reflect changes in regulations, business practices, or new features. Updates will include a revised Effective Date, and prominently displayed notifications. Continued use after changes means acceptance of updated Terms.

User Registration & Account Security

Some Services require creating an account:

• You must provide accurate, current, and complete registration information.

• You are responsible for maintaining confidentiality of login credentials and all activity on your account.

• You agree to accept responsibility for any unauthorized access or use of your account.

• Immediately notify us if you suspect unauthorized use or breach.

We reserve the right to suspend or terminate accounts emitting suspicious or illegal activity, under applicable laws.

User Eligibility & Prohibited Users

By using the Website, you represent that you:

• Are at least the age of majority in your jurisdiction;

• Have legal capacity to agree to these Terms;

• Are not disqualified by law (e.g., sanctions, regulatory restrictions).

We strictly prohibit use by persons or entities:

• Involved in money laundering, terrorist financing, or other illicit financial transactions;

• Subject to sanctions under relevant regulations;

• Operating from jurisdictions where we are restricted or unlicensed.

User Obligations & Acceptable Use

You agree not to:

• Use the Website for fraudulent, deceptive, unethical, or unlawful purposes;

• Bypass controls or reverse-engineer the Website;

• Copy, reverse compile, or decompile any software;

• Introduce malicious code or overburden our infrastructure;

• Send unsolicited advertisements or spam;

• Post defamatory, harassing, or offensive content;

• Misrepresent identity or affiliation;

• Use the Website to infringe intellectual property rights.

Intellectual Property Rights

All Content, including but not limited to software, designs, APIs, trade names, slogans, and logos, is owned or licensed by Stylopay. You are granted a limited license to use Content for non-commercial personal purposes. Unauthorized use may result in termination, civil liability, or criminal penalties.

Financial, Legal & Regulatory Disclaimers

• General Information: Content is for information only and not professional or investment advice.

• No Offer: Nothing constitutes a solicitation or offer to buy/sell financial products.

• Jurisdiction: Access does not imply availability of a particular Service in your country. We may decline access by you or restrict features if not authorized locally.

ThirdParty Services & Links

• The Website may link to or integrate with third-party services (e.g., credit bureaus, payment gateways).

• We are not responsible for their operations, security, or privacy practices. You accept and comply with their terms when using them.

Privacy, Data Protection & Cookies

• Our Privacy Policy outlines data collection, processing, storage, disclosure, and data rights.

• We comply with GDPR (UK/EU), PDPA (Singapore), DPDPA (India), and Data Privacy Act (Philippines).

• We use cookies and similar tech to personalize experience, analytics, and deliver relevant content. Your browser settings may delete or block cookies, which may impact features.

Security Measures & Reporting

• We implement industry-standard security (e.g., encryption, access controls).

• However, we cannot guarantee absolute protection. We disclaim liability for unauthorized access by third parties due to your password loss, negligence, or external threats.

• Report suspected security breaches to support@stylopay.com immediately.

Fees, Billing & Refunds

• Fees for Services are outlined during subscription or transaction.

• We reserve the right to modify Fees at any time; changes will be communicated in writing prior to implementation.

• Payment terms may include pre-authorization, direct debit, or third-party processor billing.

• Refunds (if any) will be handled as per our Refund Policy, and may vary by jurisdiction.

Limitation of Liability & Disclaimer of Warranties

To the maximum extent permitted by law:

• We disclaim any warranties (express or implied), including merchantability, fitness for a particular purpose, title, and non-infringement.

• We do not guarantee uninterrupted operation, completeness, or accuracy for error- or delay-free services.

• We are not liable for any indirect, incidental, special, punitive, exemplary, or consequential damages arising from your use.

• Our total liability will not exceed amounts you paid in the past 12 months to us, or a minimal statutory threshold, whichever is lower.

Indemnification

You agree to indemnify and defend us, our affiliates, officers, directors, employees, and agents from claims arising from:

• Your violation of these Terms or applicable law;

• Your misuse or alteration of the Website;

• Your infringement of thirdparty rights.

Termination & Suspension

• We may suspend or terminate access if you breach Terms or we’re required to cease operations in your jurisdiction.

• You may terminate your account at any time via your account settings, subject to outstanding obligations or fees.

• Termination does not affect accrued rights, or Sections that by nature survive (e.g., confidentiality, indemnity, liability).

Record-Keeping, Audits & Compliance

• We maintain records necessary to comply with applicable regulations.

• We may audit your account and transactions, and you agree to provide necessary supporting documentation.

• We may disclose records to regulators or law enforcement as required.

Jurisdiction, Governing Law & Dispute Resolution

Applicable law is determined by your location:

• UK-based Users: Governing law and disputes under England & Wales.

• Singapore-based Users: Under Singapore law, Singapore courts.

• India-based Users: Under Indian law, Mumbai courts or as per section 17.

• Philippines-based Users: Under Philippine law, Manila courts.

Payment disputes or regulatory complaints are to be escalated via:

• UK: Financial Ombudsman Service;

• Singapore: Financial Industry Disputes Resolution Centre;

• India: RBI ombudsman scheme;

• Philippines: BSP channels.

You agree to use good-faith informal negotiations before resorting to legal action or arbitration.

Arbitration

For cross-border or international disputes:

• We may require arbitration under [specify institution, e.g., SIAC in Singapore].

• Arbitration rules apply per institution’s regulations.

• Award is final and binding; enforcement per UNCITRAL or equivalent.

Notices & Contact Details

• Notices to users are via email, in-WEBSITE notifications, or posting on the site.

• Users should send notices/requests to support@stylopay.com.

Assignment & Transfer

• You may not assign your rights or obligations without our prior written consent.

• We may assign our rights and obligations upon notice to you (e.g., merger, sale, reorganization).

Severability & Waiver

• If a court deems any Term invalid or unenforceable, it shall not affect other Terms.

• Failure to enforce a right does not constitute waiver of that right or any other.

Entire Agreement

These Terms, along with incorporated policies (Privacy Policy, Cookie Policy, Refund Policy), make the entire agreement between you and Stylopay concerning the Website. They supersede any prior agreements.