Terms of Service

These Terms of Service (“Terms”) govern access to and use of the websites, applications, and services offered by Veepay, Inc. (“Veepay,” “we,” or “us”) (collectively, the “Services”). By creating an account, clicking to accept, or using the Services, you agree to these Terms on behalf of yourself or the organization you represent. If you do not agree, do not use the Services.

If you use the Services on behalf of a company or other entity, you represent that you have authority to bind that entity. Additional terms (such as an order form, statement of work, or data processing agreement) may apply; if there is a conflict, the signed agreement controls for that subject matter.

1. Eligibility

You must be at least 18 years old and able to form a binding contract. The Services are intended for businesses and authorized personnel. We may refuse service or close accounts that do not meet our eligibility or risk requirements.

2. Description of the Services

Veepay provides software and related infrastructure for virtual card programs, banking-style accounts, payouts, and treasury workflows as described in your plan, documentation, and applicable product materials. Features may vary by region, partner, and verification status. We may modify or discontinue features with reasonable notice where practicable.

3. Accounts and access

You are responsible for maintaining the confidentiality of credentials and for activity under your account. You must provide accurate information and keep it current. You must promptly notify us of any unauthorized access or security incident. We may suspend or terminate access for breach of these Terms, risk concerns, or legal requirements.

4. Customer data and privacy

You retain rights in data you submit to the Services. You grant Veepay a license to host, process, and use that data to provide and improve the Services, comply with law, and enforce these Terms. Our collection and use of personal information is described in our Privacy Policy.

5. Acceptable use

You agree not to:

• Use the Services for unlawful, fraudulent, or deceptive activity;
• Violate applicable sanctions, export controls, or anti-money-laundering requirements;
• Attempt to gain unauthorized access to the Services, other accounts, or underlying systems;
• Reverse engineer, scrape, or overload the Services except as permitted by law;
• Use the Services to transmit malware, spam, or infringing content;
• Misrepresent identity or affiliation.

We may investigate violations and cooperate with law enforcement. Card network rules, bank partner terms, and regulatory obligations also apply where relevant.

6. Fees and taxes

Fees, if any, are set out in your order form, pricing page, or in-product disclosure. Unless stated otherwise, fees are exclusive of taxes. You are responsible for applicable taxes. We may change fees with advance notice as described in your agreement or where required by law.

7. Intellectual property

Veepay and its licensors own the Services, including software, branding, and documentation. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable right to use the Services during your subscription. You may not use our trademarks except as permitted in writing.

8. Third-party services

The Services may integrate with third-party products. Those services are governed by their own terms. We are not responsible for third-party services.

9. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER VEEPAY NOR ITS SUPPLIERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOSS OF PROFITS, DATA, OR GOODWILL. OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO VEEPAY FOR THE SERVICES IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (US$100), EXCEPT WHERE PROHIBITED BY LAW. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE CASES OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT ALLOWED.

11. Indemnity

You will defend and indemnify Veepay and its affiliates, officers, and employees against third-party claims, damages, and costs arising from your use of the Services, your data, or your violation of these Terms or applicable law, except to the extent caused by Veepay’s gross negligence or willful misconduct.

12. Term and termination

These Terms remain in effect while you use the Services. You may stop using the Services at any time. We may suspend or terminate access for breach, risk, or legal reasons. Provisions that by their nature should survive (e.g., liability limits, indemnity, governing law) will survive termination.

13. Governing law and venue

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law principles. You consent to the exclusive jurisdiction and venue of the state and federal courts located in Delaware for disputes arising out of or relating to these Terms, subject to mandatory consumer protections in your jurisdiction where applicable.

14. General

These Terms constitute the entire agreement regarding the subject matter here and supersede prior understandings on that subject. If a provision is unenforceable, the remainder remains in effect. Failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger or sale. Notices may be sent to the email associated with your account or posted within the Services.