Your gateway to seamless crypto payments for business.

Discover the future of payments with our cutting-edge cryptocurrency payment solution.

©2024:V.1.0
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PAYLECTPAYLECTPAYLECTPAYLECTPAYLECTPAYLECTPAYLECTPAYLECTPAYLECTPAYLECT
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Our mission

Empowering businesses with secure, fast, and versatile cryptocurrency payment solutions that meet every financial need.

Main advantages

Global Reach

Global Reach
Accept crypto payments from anywhere in the world, breaking down geographic barriers.
001.
Main advantages

Easy Integration

Easy Integration
Quickly and seamlessly integrate Paylect into your existing systems without extensive technical expertise.
002.
Main advantages

Versatile Tools

Versatile Tools
All-in-one tools designed to simplify and enhance your cryptocurrency financial management.
003.

The best solution

Paylect offers the ultimate crypto payment platform, combining cutting-edge tools with global accessibility to ensure secure and efficient financial management.

open-source
closed-source
Decideai
Automatic conversion to stablecoins
Static wallets for simplified deposits
Multi-currency acceptance (65+ cryptocurrencies)
001.
Multi-currency acceptance (65+ cryptocurrencies)
Accept a wide range of popular cryptocurrencies, ensuring choice for your clients.
002.
Static wallets for simplified deposits
Generate reusable wallet addresses.
003.
Automatic conversion to stablecoins
Protect your funds from market volatility with seamless conversion to stable cryptocurrencies.
/Services

Tech stacks for a rapidly evolving world:

S/001

Crypto payment processing for businesses

Handle transactions effortlessly with a platform built for reliability and speed.

S/002

Ready-made API and plugins for online integration

Implement our solutions in just a few steps, boosting your operational efficiency.

S/003

White-label solutions for branded payment systems

Customize the platform to reflect your brand, enhancing trust and recognition among your customers.

S/004

Secure fund management tools, including Web3 support

Leverage advanced tools that ensure secure, scalable, and decentralized financial operations.

I was highly impressed by their adaptability, expertise, and commitment in handling the workload. Their dedication to the project, along with their professional demeanor, really caught my attention. 

frequently
asked questions

Q/01
What cryptocurrencies can I accept with Paylect?
You can accept over 65 different cryptocurrencies, including popular options like Bitcoin, Ethereum, and stablecoins.
Q/02
How long does integration take?
With our ready-made API and plugins, integration can be completed in a matter of hours.
Q/03
Is Paylect secure?
Yes, we follow strict KYC and AML protocols and conduct regular security audits to ensure your transactions are safe.
Q/04
Can I customize the platform for my brand?
Absolutely! Our white-label solutions allow you to tailor the platform to match your brand identity.
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PAYLECTPAYLECTPAYLECTPAYLECTPAYLECTPAYLECTPAYLECTPAYLECTPAYLECTPAYLECT
Terms of Service
Last updated: 26 November 2024

Paylect LLC is a limited liability company (“Paylect”, “Company” “we” and its derivatives).

Paylect provides cryptocurrency payment processing and other related services (collectively the “Services”) via its website paylect.com and related desktop and mobile applications (“Website”) that enables you to accept cryptocurrencies as a payment method in exchange for goods or services you sell to your customers.

These Terms of Services (“Terms”, “Agreement”) govern your access to and use of the Services provided by us and form a legally binding Terms between Paylect and you or the entity you represent (“you”, 'your '). Before using the Services, please read these Terms carefully.

PLEASE ALSO NOTE THAT ACCORDING TO SECTION 3 BELOW, THESE TERMS DO NOT GOVERN ANY INTERACTIONS YOU MAY HAVE WITH OUR THIRD-PARTY SERVICE PROVIDERS. EVERY THIRD-PARTY SERVICE PROVIDER HAS ITS OWN TERMS.

Please note that section 12 on Dispute Resolution contains an arbitration clause and class action waiver. By agreeing to this Agreement, you agree to resolve all disputes through binding individual arbitration, which means that you waive any right to have the dispute decided by a judge or jury, and you waive any right to participate in collective action, whether that be a class action, class arbitration, or representative action.

  1. TERMS BINDINGNESS

    You are considered a party to this Agreement and deemed to have agreed with the Terms by registering the account and/or using any other Services.

    By registering the account, you acknowledge that:

    • any use of the Services is subject to these Terms;
    • you have carefully read, understand, and agree with these Terms;
    • you are of legal age;
    • you have the authority to enter into the Terms personally or on behalf of the legal entity for whom you are using the Service.

    You also represent that you are (i) not subject to sanctions or otherwise designated on any list of prohibited or restricted parties, including but not limited to the lists maintained by the United Nations Security Council, the U.S. Government, the European Union, the United Kingdom, or other applicable government authority and (ii) not located in any country subject to a comprehensive sanctions program implemented by the United States or the European Union.

    Paylect reserves the right to modify these Terms at any time and our sole discretion. In case of any change, we will amend the date of the last update at the beginning of these Terms. By continuing to use our Services, you are agreeing to new changes and will be legally bound by the new changes. Please check this page regularly for updates.

    ALL INFORMATION AND SERVICES PROVIDED ON THIS WEBSITE ARE PROVIDED ON A STRICTLY “AS-IS” BASIS WITHOUT ANY WARRANTY WHATSOEVER.
    IF YOU DO NOT AGREE TO THE TERMS, YOU SHALL NOT USE THE SERVICE OR THE WEBSITE.

  2. SERVICES
    2.1. Crypto processing

    Paylect provides you with access to a web-based platform that enables you to accept digital assets as payment method for goods and services you sell to your customers (“Customers”) As used herein, “Digital Asset” means a digital asset (also called a “cryptocurrency,” “virtual currency,” “digital currency,” or “virtual commodity”), such as bitcoin or ether, which is a digital representation of value based on (or built on top of) a cryptographic protocol of a computer network.

    You authorize us to receive Digital Assets, temporary hold, exchange and disburse them, as well as deduct the applicable fees and other costs on your behalf, and to take any actions that we find necessary or desirable to provide our Services to you and to comply with any applicable law and these Terms.

    Payment by a Customer to Paylect is considered the same as payment made directly to you. We collect Digital Assets to your Account exclusively for you and on behalf of you. You remain the owner of Digital Assets that we hold for you and on behalf of you.

    2.2 Crypto custody

    Paylect provides you with a digitally secured wallet for Digital Assets, aimed at exchanging, storing, and withdrawing Digital Assets.

    You can withdraw Digital Assets at any time at your sole discretion, however, it may be subject to Account transaction limits and temporary or permanent restrictions imposed in the course of an internal investigation or by law enforcement authorities. You can withdraw your Digital Assets in any amount, provided there are enough Digital Assets to cover the applicable fees.

    The Company shall not be liable for the transfer of your Digital Assets to other crypto wallets. You are solely responsible for the accuracy of information required for carrying out a withdrawal. Paylect recommends you always double-check the accuracy of information provided for withdrawal purposes.

    Please note that blockchain transactions are irreversible. Once the transaction has been sent to the blockchain network upon your request, you acknowledge that Paylect cannot reverse it.

    2.3. Crypto to crypto exchange

    You will be able to convert one Digital Asset to another Digital Asset. By providing you with such a service, Paylect will provide you with information about an exchange rate for the given trading pair and further instructions to complete the exchange transaction.

  3. THIRD-PARTY SERVICES

    The Company may integrate or may allow you to access services developed by third parties (“Third Party Service”). The Company retains the exclusive right to add to, modify, or cancel the availability of any Third Party Service.

    You acknowledge that all Third third-party services and other related information provided to you via the Website are executed by Third third-party service providers and that Paylect does not itself directly provide any such services and does not bear any liability for the accuracy of such services.

    You agree that access to Third Party Service providers may be subject to different regulations and their own internal policies and procedures where Third Party Service providers may geo-block service for some jurisdictions or refuse to provide a service to you.

    You acknowledge the availability of the Third Party Services to you, subject to the terms and conditions of each Third Party Service provider. To the extent Third Party Service providers have terms that differ from these Terms, you may be required to agree to those terms in order to access their software, site, or services.

    You agree that Paylect shall not be responsible for your use of the Third Party Services.

  4. FEES

    Fees, if applicable to the Services or any part of the Services, shall be displayed on the Website or in the Account and/or in the Paylect desktop or mobile applications.

    Paylect may change the fee structure at any time (including adding new fees for new Services) and reserves the right to do so at its sole discretion. You will be notified via email or posts on the Website or social media about any changes in the fee structure

    Fees are usually paid in Digital Assets that correspond to the respective Service.

  5. YOUR ACCOUNT, YOUR RIGHTS, OBLIGATIONS AND LIABILITY

    Paylect is committed to preventing its’ Services from being used for money laundering and terrorist financing crimes. As such, we are required to collect certain information from you to comply with anti-money laundering and anti-terrorist funding policies and regulations. During the process of registering your account (“Account”), you will be asked to submit information about you and/or your business such as your identification information, contact details, company website, the nature of your expected transactions, and your field of industry, etc.. You may be asked to submit additional information and/or documents to enable us to verify your identity. For more information, please, read the AML Policy.

    The information you provide at the time of opening the Account must be accurate and complete, and you must inform us about any changes to such information. Paylect has the right to reject your Account registration, to later close your Account, or to restrict the provision of the Services to you if you do not provide and maintain accurate, complete, and satisfactory information.

    You also agree not to use our Services for any prohibited activities (“Prohibited Activities”). The list of Prohibited Activities is non-exhaustive and we reserve the right to modify it at any time. It is within our sole discretion to determine whether an activity falls into a Prohibited Activities category. The non-exhaustive list of Prohibited Activities is the following:

    • Drugs and drug paraphernalia (e.g., narcotics, controlled substances, and any equipment designed for making or using drugs);
    • Marijuana/cannabis dispensaries and related products and businesses;
    • Weapons, munitions, gunpowder, and other explosives (including fireworks);
    • Toxic, flammable, and radioactive materials;
    • Pseudo-pharmaceuticals;
    • Substances designed to mimic illegal drugs;
    • Sexually explicit content;
    • Sexually-related services;
    • Pyramid and investment schemes, multi-level marketing schemes, and other unfair, predatory or deceptive practices;
    • Credit and collection services;
    • Items that infringe or violate any intellectual property rights such as copyrights, trademarks, trade secrets, or patents, including counterfeit or unauthorized goods;
    • Products and services with varying legal status from state to state;
    • Transactions that disclose the personal information of third parties in violation of applicable law.

    You are obligated to:

    • Not violate any laws or rights of Paylect and third persons when using the Service;
    • Not circumvent or attempt to circumvent the security measures Paylect is using to protect accounts, computer systems, or networks connected to the Services;
    • Not violate, misappropriate, or infringe the rights of Paylect, our users, or others, including privacy, publicity, intellectual property, or other proprietary rights;
    • Not avoid, bypass, remove, deactivate, impair, descramble, or otherwise circumvent any technological measure implemented by us or any of our service providers or any other third party (including another user) to protect the Services or content;
    • Not disguise your location through IP proxying or other methods;
    • Use the Service in good faith
    • Not to use the service for any illegal activities, Prohibited Activities, or causing damage.

    You are liable in full to Paylect for any damage caused by you to Paylect by breaching any of these obligations.

    You must comply with all applicable laws, regulations, licensing requirements, and third-party rights (including, without limitation, data privacy laws) in your use of the Services. We may refuse to process or cancel any pending Digital Assets transaction as required by law or any court or other authority to which we are subject in any jurisdiction. Paylect further reserves the right to delay any Digital Asset transaction if we perceive a risk of fraud or illegal activity. We also have the right to refuse to process or cancel any Digital Asset transaction due to technological issues with the blockchain software, our software, or for other technological reasons.

    You agree that you are responsible for determining what, if any, taxes apply to the transactions performed via the Services, and it is your responsibility to report the correct tax to the appropriate tax authority. You agree that we are not responsible for determining whether taxes apply to your transactions or for collecting, reporting, or withholding any taxes arising from any transactions.

  6. PAYLECT’S RIGHTS AND OBLIGATIONS

    Paylect may, in its sole discretion and without cost to you and at any time, modify or discontinue, temporarily or permanently, any portion of our Services.

    Without prejudice of our own, Paylect shall not control, monitor, assess, authorize, and/or supervise the activities of you and your own Customer’s purchases. The foregoing does not preclude us from exercising our right to investigate, suspend, restrict, or terminate the provision of Services to you at any time, as well as to refuse to complete, block, or reverse a transaction initiated by your Customer if we reasonably believe that it violates these Terms or other circumstances may infringe our, your or the public’s legitimate interests.

  7. LIMITED INTELLECTUAL PROPERTY LICENSE

    Paylect retains full industrial, intellectual, copyright, or related property rights over the Paylect trademark and all its components, including the software, images any information, including documentation, procedures, and its updates or developments, or derivations, that is provided, disclosed, or transmitted to you in connection with the access, execution, and use of the Services.

    Subject to your compliance with this Agreement, Paylect grants you a non-transferable, non-sublicensable, non-assignable, and non-exclusive license to use the Services for your personal or internal business purposes.

    By accessing the Services, you agree not to: (i) sublicense, sell, rent, lease, transfer, assign, reproduce, distribute, host, or otherwise commercially exploit the Services; (ii) integrate Paylect’s Services into your service that you provide to a third party without our prior written consent; (iii) reverse engineer, disassemble, decompile, translate, or otherwise seek to obtain or derive the source code; (iv) to redistribute the Paylect software or any of the Services, modify any code or use any Paylect content, including images and text, as part of any other software or project of any kind.

  8. DISCLAIMER OF WARRANTIES

    The Services are provided to you “as-is” and without any warranty whatsoever, to the maximum extent permissible by law. Without limiting the generality of the foregoing, Paylect does not warrant that Paylect is fit for your purpose, even if you have previously provided notice of your intended purpose, and does not warrant that Paylect will operate in a virus-free manner.

  9. LIMITATION OF LIABILITY

    IN NO EVENT WILL PAYLECT OR OUR AFFILIATES, OR ANY OF OUR RESPECTIVE SHAREHOLDERS, MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES, ATTORNEYS, AGENTS, REPRESENTATIVES, SUPPLIERS OR CONTRACTORS BE LIABLE TO YOU FOR: ANY DIRECT DAMAGES OR ANY LOST PROFITS, REVENUE OR DATA, DIRECT OR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, OR DAMAGES OR COSTS DUE TO LOSS OF PRODUCTION OR USE, BUSINESS INTERRUPTION, OR PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES ARISING OUT OF OR IN CONNECTION WITH THE SERVICE OR THE SOFTWARE, WHETHER OR NOT PAYLECT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE THEORY OF LIABILITY ASSERTED, WHICH HAVE RESULTED FROM: (I) YOUR USE OF, OR CONDUCT IN CONNECTION WITH, OUR SERVICES; (II) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES; OR (III) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT ARE FOUND IN THE SERVICES OR THAT MAY BE TRANSMITTED TO OR THROUGH OUR SERVICES BY ANY THIRD PARTY (REGARDLESS OF THE SOURCE OF ORIGINATION).

    IN NO EVENT SHALL OUR LIABILITY TO YOU FOR ALL DAMAGES EXCEED THE AMOUNT OF ONE HUNDRED U.S. DOLLARS ($USD 100.00) OR ITS EQUIVALENT IN THE LOCAL CURRENCY OF THE APPLICABLE JURISDICTION.

    Paylect is not responsible for, and cannot assist with recovery of, a loss of Digital Assets incurred by you if the Paylect Services are compromised, for example, due to loss of or unauthorized access to private keys, accidental sharing of a backup, a bug in your device or the Paylect software, or a malicious attack on Paylect.

  10. INDEMNITY

    To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless us, our affiliates, and our respective shareholders, members, directors, officers, employees, attorneys, agents, representatives, suppliers, and contractors, from and against any and all claims, damages, obligations, losses, liabilities, tort, costs or debt, and expenses (including, but not limited to, attorney’s fees or other legal costs) arising from: (a) your use of and access to the Services; (b) any feedback or submissions you provide to us concerning Paylect; (c) violation of any third party content (d) your violation of the Terms; or (e) your violation of any law, rule, or regulation, or the rights of any third party.

  11. TERM AND TERMINATION

    The Terms commence on the date when you accept them. The contents of the terms may change from time to time as prescribed in these Terms.

    We may, by giving notice, at our sole discretion:

    • Limit, suspend, or terminate your access to the Service, the Website, and/or your Account;
    • Prohibit access to the Website and its content, services and tools;
    • Delay or remove hosted content; and
    • Take technical and legal steps to keep you off the Website if we suspect that you are creating problems or possible legal liabilities, infringing the intellectual property rights of third parties, or acting inconsistently with the spirit of these Terms.

    Additionally, we may, in appropriate circumstances and at our discretion, suspend or terminate your Account for any reason, including without limitation for:

    • Attempts to gain unauthorized access to the Website or another Account or assisting others attempting to do so;
    • Overcoming software security features limiting the use of or protecting any content; Usage of the Service to perform illegal activities such as money laundering, financing terrorism, or other criminal activities;
    • Violations of these Terms;
    • A failure to pay or a fraudulent payment for transactions;
    • Unexpected operational difficulties; or
    • Upon the request of law enforcement or other government agencies.

    You may close your Account at any time by our policies and procedures by withdrawing all balances. Upon closure of your Account, you authorize us to cancel or suspend any pending transactions at the time of cancellation and any balance in your Account will be delivered to you or your digital currency address as instructed less any outstanding amounts owed to us, the unsubsidized coin/miner network transaction fee and any other third party charges.

    In the event your Account is closed, whether by you or us, any digital assets in your Account must be claimed and removed by you within 30 days of your Account’s closure date. If you fail to claim and remove Digital Assets in your Account within 30 days of your Account’s closure date, a recovery and return fee equal to ten percent (10%) of all the Digital Assets in your Account will be charged by us, if the Digital Assets can be recovered and returned at all, and we reserve the right in our sole discretion to not attempt to recover and return to you small amounts.

    You may not terminate your Account as a means of evading investigation or inquiries by us. If any queries or investigations are pending at the time you request closure of your Account, we may refuse your request to close your Account and/or hold your Digital Assets as appropriate to protect us against financial and/or legal liability. If you are later determined to be entitled to some or all of the Digital Assets in dispute, we will transfer such Digital Assets to you. You will remain responsible and liable for all obligations related to your Account even after the closure of an Account.

    If we suspend or close your Account or terminate your use of the Services for any reason, we reserve the right to require you to provide identity verification information and comply with identity verification procedures before permitting you to transfer or withdraw Digital Assets.

    If you do not access your Account for three years and we have been unable to contact you after three attempts at the last email address we have for you in our records, your Account may be terminated at our sole discretion. Moreover, if we hold Digital Assets on your behalf which you have failed to claim, we may be required to deliver any such Digital Assets to the authorities in certain jurisdictions as unclaimed property. We reserve the right to deduct a dormancy fee or other administrative charges from such unclaimed funds, as permitted by applicable law.

  12. ARBITRATION, WAIVER OF CLASS ACTION AND JURY TRIAL AND GOVERNING LAW

    Any disputes arising from or in relation to this Agreement shall be first tried to be settled by negotiations between you and Paylect. In the case we do not reach a consensus with you, you agree that ARBITRATION PREVENTS YOU FROM SUING IN COURT OR FROM HAVING A JURY TRIAL. YOU HEREBY WAIVE THE TRIAL BY JURY.

    Any dispute, controversy, or claim arising out of or in connection with this Agreement or your use of the Services on an individual basis shall be finally settled in arbitration agreed between you and us, by a sole arbitrator, in the English language, with limited discovery. At your request, the hearings may be conducted in person or virtually, and the arbitrator may provide for submitting and determining motions on briefs, without oral hearings. The arbitration shall be kept confidential and you shall not disclose to any person, other than those necessary to the proceedings, the existence of the arbitration, any information submitted during the arbitration, any documents submitted in connection with it, any oral submissions or testimony, transcripts, or any award unless disclosure is required by law or is necessary for permissible court proceedings, such as proceedings to recognize or enforce an award.

    Other than class procedures and remedies discussed below, the arbitrator has the authority to grant any remedy that would otherwise be available to a court or other tribunal. THE PREVAILING PARTY IN ANY ACTION OR PROCEEDING TO ENFORCE THESE TERMS SHALL BE ENTITLED TO LEGAL COSTS AND ATTORNEYS’ FEES. WHETHER THE DISPUTE IS HEARD IN ARBITRATION OR COURT, YOU AGREE NOT TO COMMENCE A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE ACTION OR PROCEEDING.

  13. PRIVACY

    By using the Service, you agree that Paylect may collect some information about you as You agree with these Terms. Please read carefully our Privacy Policy for more information.

  14. FORK AND AIRDROPS

    Paylect has no control over the software protocols that govern or constitute the framework of Digital Assets. Therefore, Paylect assumes no responsibility for the update or any modification of the underlying protocols, and Paylect is not able to guarantee their functionality, security, or availability.

    By accepting the present Terms, you acknowledge and accept the risk that underlying software protocols relating to any of the Digital Asset available on the Website are likely to be subject to sudden changes in operating rules (hereafter “fork”) or distribution of Digital Asset (“airdrops”), and such forks or airdrops may materially affect the value, function and/or the name of the virtual currencies that are exchanged or acquired through the Website.

    Paylect will use reasonable endeavors to provide you with notice of forks or airdrops by publishing such a notice on the Website, including, to the extent possible, whether Paylect intends to support airdrops, either or both branches of a fork, and you agree that you will read such notices to decide in that respect. However, we have no obligation to support any specific forks, airdrops, or similar distribution events.

    It is your responsibility to make yourself aware of, and consider how to deal with, upcoming forks or airdrops, including whether to give us instructions for the withdrawal of the balance of any Digital Assets. In the event of a fork or airdrop, there is a risk that Paylect may need to temporarily suspend operations about that fork or airdrop without providing advance notice to you. Paylect may, in its reasonable discretion, decline to support either or both branches of a fork or airdrop.

    In the event of a fork or an airdrop which affects Digital Assets held pursuant to these Terms, and which is unsupported by Paylect:

    • We will not acquire any right, title, or interest in the unsupported forked or airdropped Digital Asset; and
    • We may be unable to give effect to any instructions given in respect of those Digital Assets and Paylect will have no liability to you in respect of the unsupported forked or airdropped Digital Assets.

    By agreeing to the present Terms, you acknowledge the risks presented by forks or airdrops and you accept that we have no responsibility to assist you to move or sell Digital Assets of an unsupported branch of a forked or airdropped protocol.

  15. MISCELLANEOUS

    15.1. Term. This Agreement shall govern the relations between you and Paylect during or while you use (or misuse) the Services.

    15.2. Waiver. No action or inaction on the part of Paylect shall be considered a waiver of any right or obligation by Paylect.

    15.3. Force Majeure. Paylect shall not be held liable for any delays, failure in performance, or interruptions of service which result directly or indirectly from any cause or condition beyond our reasonable control, including but not limited to: any delay or failure due to any acts of God, acts of civil or military authorities, acts of terrorism, civil or industrial disturbances, blockages, embargoes, war, strikes or other labor disputes, fire, earthquakes, storms or other nature-related events, interruption in electrical telecommunications or Internet services or network provider services, failure of hardware equipment and/or software or other utility failures, smart contract bugs or weaknesses, technological changes, changes in interest rates or other monetary conditions, and, for the avoidance of doubt, changes to any blockchain-related protocol, other catastrophe, or any other occurrences which are beyond our reasonable control, and shall not affect the validity and enforceability of any remaining provisions. If we are unable to perform our Services outlined in the Terms due to factors beyond our control, including, but not limited to, the aforementioned force majeure events or changes in applicable laws and/or sanctions policies, we shall not be liable for the Services provided under these Terms during the time period coincident with the event in question.

    15.4. Assignment. You agree that we may assign any of our rights and/or transfer, sub-contract, or delegate any of our obligations under these Terms without any notice or consent from you. Your agreement to these Terms is personal to you and you may not transfer or assign it to any third party.

    15.5. Refunds. You agree that any disputes or legal actions in relation to refunds are solely between you and your Customer. You agree to have a clear refund policy. We are not a party to relations between you and your Customers making payments in Digital Assets. We do not accept any queries, letters, requests, and/or complaints as well as liability for the quality, legality, safety, delivery, or any other aspect regarding you, your services, products, activities, and/or payment and/or a donation, a purchase related to the relation between you and your Customers. Any disputes between you and your Customer shall be resolved exclusively between both of you.

    15.6. Notices. Any notices or other communications provided by us under these Terms, including those regarding modifications to it will be given by posting to the Services and/or through other electronic communication. You agree and consent to receive electronically all communications, agreements, documents, notices, and disclosures that we provide in connection with your use of the Services and will be legally bound by these notices.

Privacy Policy
Last updated: 26 November 2024

At Paylect, we process your personal data in accordance with applicable privacy laws and this Privacy Policy explains what information we collect about you, how we use it, and your rights. We have implemented different technical and organizational solutions to comply with applicable legislation related to the processing of personal data, privacy, and data security in countries where we operate or where the applicable law applies to us. The Privacy Policy sets forth the basic rules and principles by which we process your personal data, and mentions our responsibilities while processing your personal data according to transparency obligations. We do not intend to collect personal data of children or persons under the age of 18 (eighteen) years old. Our Privacy Policy covers all personal data that you submit to us or that we obtain about you when you use our Services or the Website.

  1. LEGAL GROUNDS FOR PROCESSING YOUR PERSONAL DATA

    Any operation related to the processing of personal data must have a legal basis for the processing. We collect any data only on lawful grounds and only data that is necessary to provide our Services to you. We use the main four grounds to process your personal data: consent, contract, legal obligation, and legitimate interests.

    Consent – freely given, informed, and unambiguous indication of your wishes to the processing of your personal data for a specific purpose which signifies agreement to the processing of personal data.

    Contract – a legal ground for the processing of the personal data necessary for us to perform a contract or the Terms of Service to which you are a party or in order to take steps at your request prior to entering into the contract or the Terms of Service.

    Legal obligations – a legal ground for the processing of personal data when there is an obligation to comply with a legal obligation to which we are subject;

    Legitimate Interests – a legal ground for the processing of personal data when it is based on our legitimate interests or the legitimate interests of a third party, provided that those interests are not outweighed by your rights and interests and those interests have a specific purpose, they are necessary, and they are balanced.

    Applicable laws have other legal grounds for the processing and when they are applicable we will use such grounds to process the personal data.

  2. WHAT INFORMATION WE COLLECT

    The types of personal data we may collect include:

    • Contact details (email, telephone number, or messenger ID)
    • Details of your identity and other information required for KYC/AML compliance
    • Financial information
    • Employment details
    • Geolocation details
    • History of your logs and activity on the Website
    • History of your logs and activity on the Website

    IP address, browser, and operating system information, and device fingerprint. You provide directly to us most of the information. However, we may obtain information about you from third-party sources as required or permitted by applicable law, such as public databases, credit bureaus, ID verification partners, resellers and channel partners, and business partners. We obtain such information to comply with our internal policies, such as anti-money laundering (AML) laws, which is our lawful basis for processing, and to provide you with our Services. In some cases, we can process additional data about you to ensure our Services are not used fraudulently or for other illicit activities.

    Kindly note that we will not be able to provide our services to you if you refuse to provide us with information according to our KYC/AML requirements communicated to you once you decide to apply for any of our Services that require verification of identity and ongoing monitoring of activity. Please keep in mind that in some cases we may require additional details and documents for KYC and AML/CTF purposes.

    Please note that processing of your data may include automated decision-making including profiling. We may apply automated decision-making including profiling for onboarding, maintaining the account with us, and fraud prevention purposes.

  3. HOW DO WE GET PERSONAL DATA AND WHY DO WE HAVE IT?

    We will only process information that is necessary for the purpose for which it has been collected.

    3.1. Consent rules and related purposes

    Where you have provided your consent, we may use and process your information to contact you about offers, promotions, events, services, or information that we think will be of interest to you. We also process personal data we obtain from optional cookies that we set on the Website based on your consent. In case the legal basis is consent, you can withdraw your consent at any time via available options.

    If you do withdraw your consent, and if we do not have another legal basis for the processing of your data, then we will stop the processing of your data and will delete it in specific situations, including in case you request the deletion of your personal data and we are obliged to delete your personal data according to the applicable law.

    If we have another legal basis for the processing of your data, then we will continue to do so, subject to your legal interests and rights.

    3.2. Contract rules and related purposes

    We use and process your personal data where this is necessary to perform a contract or the Terms of Service with you and to fulfill and complete your transactions entered into with us or provide the Services.

    3.3. Legitimate interests’ rules and related purposes

    We use and process your personal data as set out below where we must carry out activities for which it is in our legitimate interests as a business to do so.

    User support: to respond to correspondence you send to us and fulfill the requests you make to us.

    Promotion of our business: to contact you with marketing information in certain cases; to contact you with targeted advertising delivered online through social media, search engines, third-party websites or apps and applications, and other platforms operated by other companies unless you object or such activity requires your consent.

    Communication with you: to communicate with you including to respond to queries, complaints, or claims and to manage legal and regulatory requests and requirements; to enforce or protect our legal rights or to establish, bring, or defend legal claims.

    Administrative and technical aspects: for network and information security purposes; to comply with a request from you in connection with the exercise of your rights; to inform you of updates to our terms and policies; for cookies that are essential for our Website to function properly.

    Analytics: to evaluate user behavior, including understanding the effectiveness of existing product features, plan new features, or measure audience size or characteristics

    Preventing frauds, illegal activity, or any violation of the Terms of Service or Privacy Policy: We may disable access to the Website, and erase or correct personal data in some cases.

    3.4. Legal obligation’ rules and related purposes

    We will process your personal data to comply with our legal or regulatory requirements, for example, anti-money laundering (AML), and know your client (KYC) rules.

  4. HOW DO WE PROCESS PERSONAL DATA?

    We share your data with our contractors provided these third parties assume confidentiality obligations regarding your personal data and have sufficient and appropriate safeguards of data protection.

    4.1. Disclosure of personal data
    • Companies or organizations to which we pass the responsibility to handle the Services on our behalf, or business partners or contractors with which we have a data processing agreement or addendum;
    • Government or law enforcement officials or court in cases provided by law.
    4.2. Sharing of personal data

    We share information for the following purposes:

    • to provide our Services to you or to administer them;
    • to comply with any applicable laws or regulations,
    • to detect and investigate fraudulent or unlawful activity and respond to claims and legal process;
    • to prevent or stop activity we consider to be, or to pose a risk of being, illegal, unethical, or legally actionable or that poses a threat to the safety of you, another person, or the public generally;
    • in case of any reorganizations of our company or transfer of control with the transfer of all information to the relevant third party.
    4.3. Purposes of the processing of personal data

    We process personal data for the following main purposes:

    • Providing services. Legal basis: Contract.
    • Providing newsletters/offers/updates which may be interesting to you. Legal basis: Consent for newsletters; Legitimate Interests for offers and updates.
    • Compliance with applicable anti-money laundering and know your client's rules. Legal basis: Legal obligation.
    • Keeping the Website running (managing your requests, remembering your settings, hosting, and back-end infrastructure). Legal basis: Legitimate Interests.
    • Preventing fraud, illegal activity, or any violation of the terms or Privacy Policy. We may disable access to the Website, and erase or correct personal data in some cases. Legal basis: Legitimate Interests.
    • Operating and improving the Website (testing features, interacting with feedback platforms, managing landing pages, heat mapping the App, traffic optimization, and data analysis and research, including profiling and the use of machine learning and other techniques over your data and in some cases using third parties to do this). Legal basis: Legitimate Interests.
    • Customer support (notifying you of any changes to the Website, or services, solving issues, any bug fixing, sending you announcements, updates, and security alerts, which we send through a push notification, and responding to your requests, questions, and feedback). Legal basis: Legitimate Interests.
  5. DATA RETENTION PERIOD AND DATA SAFETY

    We store your personal data in accordance with the legal requirements.

    We will keep your personal data for as long as it is necessary for the purposes set out in this Privacy Policy.

    We keep information that we need to resolve any disputes, enforce our contracts, agreements, and terms with you, and provide you with the possibility to use our Services, protect legal rights, and comply with technical and legal requirements and constraints related to the security and operation of our Services for as long as it is reasonably necessary or required.

    In some cases, there may be specific terms for the data retention periods. Otherwise, we may delete information when it is not more reasonably necessary to keep it to provide you the Services, to comply with applicable laws and regulations, and to run our business.

  6. HOW DO WE KEEP PERSONAL DATA SAFE?

    We have implemented appropriate technical, procedural, and organizational security measures designed to protect the security of any personal data we process. We regularly monitor our systems for possible vulnerabilities and attacks. Your information is stored on secure servers. We restrict access to your personal data to those employees who are trained and instructed, have a business reason to access, and have professional skills that allow them to work with your personal data. Access control and encryption are the key technologies for protecting data.

    Additionally, data passing over networks, including the Internet, are encrypted with HTTPS, security audits, and other technologies. In addition, data is encrypted when it is stored or 'at rest' within servers and hard drives as well.

    However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet and information storage technology can be guaranteed to be 100% secure, so we cannot promise and guarantee that hackers, cybercriminals, or unauthorized third parties will not be able to defeat our security, and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal data, the transmission of personal data to and from our Website is at your own risk. You should only access the Website within a secure environment.

  7. YOUR DATA PROTECTION RIGHTS

    You can exercise the following rights by contacting us.

    You have the right to access information about you, especially:

    • the categories of data;
    • the purposes of data processing;
    • third parties to whom the data is disclosed;
    • how long the data will be retained and the criteria used to determine that period;
    • other rights regarding the use of your data.

    The right to access information may be performed only by you or your legal representative. In case you request the right to access information via a legal representative, you have to provide proof of whether such a person may represent you.

    You have the right to make us correct any inaccurate personal data about you.

    You can object to using your personal data for profiling or making automated decisions about you. We may use your data to determine whether we should let you know the information that might be relevant to you.

    You have the right to restrict processing – You have the right to ask us to restrict the processing of your personal data in certain circumstances.

    You have the right to the data portability of your data to another service or website. We will give you a copy of your data in a readable format so that you can provide it to another service. If you ask us and it is technically possible, we will directly transfer the data to the other service for you.

    You have the right to be “forgotten”. You may ask to erase any personal data about you if it is no longer necessary for us to store the data or in other certain circumstances.

  8. COOKIES

    A cookie is a small piece of data that is stored on your computer or mobile device. We use cookies and similar technologies to collect additional Website usage data and to operate our Services. Our Services use cookies to distinguish you from other users. This helps us to provide you with a good experience and allows us to improve our Services.

    We collect, process, and analyze data regarding the use of our Website. Traffic data is data connected to visitors on the web page and data handled in communication fields for sending, distributing, or making messages available.

    We use necessary, preferential, statistical, and marketing cookies. For more information, you may contact us.

  9. CONTACT

    If you have any questions about the Privacy Policy, or your personal data, or you would like to exercise any of your data protection rights, please contact us using the following email: [email protected]

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