Terms of Service

Effective Date: January 27, 2026

Welcome to Pocket Payments (“we,” “us,” “our”). These Terms of Service (“Terms”) govern your use of the website www.pocketpayments.com and any related services (collectively, the “Service”).

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Service. By using the Service, you represent and warrant that you meet these requirements.

2. Account Registration

To access certain features, you may need to create an account.
You agree to:

• Provide accurate, current, and complete information.
• Maintain the security of your account credentials.
• Notify us immediately of unauthorized use.

You are solely responsible for all activity under your account.

3. Use of the Service

You agree to use the Service only for lawful purposes and in compliance with all applicable laws and regulations.

You may not:

• Interfere with or disrupt the Service.
• Use the Service for fraudulent or harmful purposes.
• Attempt to access unauthorized areas of the Service.

4. Payments and Financial Transactions

If the Service enables payment processing, you authorize us (or our partners) to process payments on your behalf.

You understand that:

• All financial transactions are subject to applicable fees, and relevant terms from third‑party payment processors.
• We are not responsible for errors from processors or financial institutions.

5. Intellectual Property

All content on the Service (text, graphics, logos, software) is our property or licensed to us and protected by intellectual property laws.

You may not copy, modify, distribute, or create derivative works without written permission.

6. User Content

If you submit content (e.g., feedback, messages), you grant us a worldwide, royalty‑free, perpetual license to use, modify, distribute, and display that content.

You are responsible for the legality and accuracy of your content.

7. Third‑Party Services

The Service may link to third‑party websites or services. We are not responsible for their practices or policies.

8. Termination

We may suspend or terminate your access at any time, with or without notice, if you violate these Terms.

9. Disclaimers

The Service is provided “as is” and “as available.” We disclaim all warranties, express or implied, including fitness for a particular purpose and non‑infringement.

10. Limitation of Liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, or consequential damages arising from your use of the Service.

11. Indemnification

You agree to indemnify and hold us harmless from any claims, liabilities, damages, or expenses arising from your use of the Service or violation of these Terms.

12. Governing Law

These Terms are governed by the laws of Ontario, Canada, without regard to conflict of law principles.

13. Changes to Terms

We may update these Terms at any time. We will post the updated Terms with a new “Effective Date.” Your continued use of the Service indicates acceptance of changes.