Terms and Conditions
Terms and Conditions Effective Date: [Insert Date]
Welcome to PayBiA Finance! By accessing or using our software and services, you agree to be bound by the following terms and conditions. Please read them carefully. If you do not agree with these terms, you must not use our software or services.
1. Introduction
1.1 PayBiA Finance ("we," "our," or "us") provides financial management software and related services.
1.2 These Terms govern your access to and use of our software, website and services.
2. Eligibility
2.1 You must be at least 18 years old to use our services.
2.2 By using our services, you represent that you have the legal authority to enter into these Terms.
3. Services Provided
3.1 PayBiA Finance offers tools for managing financial operations, including but not limited to:
EMI calculations
Loan management
Financial analytics and reporting
3.2 We do not provide financial advice or lending services directly. Any financial decisions based on our software are made at your discretion.
4. Account Registration
4.1 To access certain features, you may need to register for an account.
4.2 You are responsible for maintaining the confidentiality of your login credentials.
4.3 You agree to provide accurate and up-to-date information when registering.
5. Payment and Subscription
5.1 Some features or services require payment. Subscription fees and payment terms will be disclosed at the time of purchase.
5.2 All payments are non-refundable unless specified otherwise.
5.3 We reserve the right to change pricing and fees with prior notice.
6. User Obligations
6.1 You agree to use our software for lawful purposes only.
6.2 You must not:
Use the software to violate any applicable laws or regulations.
Share, distribute, or resell our software without authorization.
Attempt to reverse engineer or tamper with our software.
7. Data Privacy
7.1 Your use of our software is subject to our Privacy Policy.
7.2 We take reasonable steps to protect your data, but we cannot guarantee absolute security.
7.3 You retain ownership of your data; however, we may use aggregated and anonymized data for improving our services.
8. Intellectual Property
8.1 All content, trademarks, and software are the intellectual property of PayBiA Finance.
8.2 You may not copy, modify or distribute our intellectual property without prior written consent.
9. Limitation of Liability
9.1 To the maximum extent permitted by law, PayBiA Finance is not liable for:
Any indirect, incidental, or consequential damages arising from your use of our software.
Financial losses or decisions based on data or recommendations from our software.
9.2 Our liability is limited to the amount paid by you for using the software.
10. Termination
10.1 We may suspend or terminate your access to our software if you violate these Terms.
10.2 Upon termination, your right to use our services will immediately cease.
11. Amendments
11.1 We reserve the right to update these Terms at any time.
11.2 Changes will be effective upon posting the updated Terms on our website. Continued use of the services constitutes acceptance of the revised Terms.
12. Governing Law
12.1 These Terms are governed by the laws of [Your Country/State].
12.2 Any disputes will be resolved exclusively in the courts of [Your Jurisdiction].
13. Contact Us
For any questions or concerns regarding these Terms, please contact us:
PayBiA Finance
Email: [Insert Email]
Phone: [Insert Phone Number]
Acknowledgment
By using our software, you acknowledge that you have read, understood, and agree to these Terms and Conditions.