Last Updated: January 2025
Welcome to Metudo. These Terms of Service ("Terms") govern your access to and use of our payment gateway and digital wallet services. By using Metudo, you agree to be bound by these Terms. Please read them carefully.
By accessing or using Metudo's services, you agree to comply with and be bound by these Terms of Service. If you do not agree to these Terms, you may not use our services. These Terms constitute a legally binding agreement between you and Metudo.
Metudo provides payment processing, digital wallet, and related financial services ("Services"). Our Services allow you to:
To use our Services, you must:
You must register for an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
We may require you to verify your identity and provide additional documentation before you can use certain Services. We reserve the right to suspend or terminate accounts that fail verification.
You agree to use our Services only for lawful purposes and in accordance with these Terms. You agree not to:
You may not use our Services for:
We charge fees for processing transactions. Fee schedules are available in your account dashboard and may vary based on transaction type, volume, and other factors. Fees are subject to change with 30 days' notice.
Transaction fees are deducted from your account balance or charged to your payment method on file. You are responsible for maintaining sufficient funds to cover fees and transactions.
You are responsible for handling refunds and chargebacks in accordance with applicable laws and card network rules. We may charge fees for chargebacks and may require reserves or security deposits for accounts with high risk.
Funds from transactions are typically settled to your account according to the settlement schedule specified in your account. Settlement times may vary based on risk factors, verification status, and transaction types.
We may establish reserves or hold funds to cover potential chargebacks, refunds, or other liabilities. Reserve amounts and terms will be communicated to you.
Funds in your account balance represent obligations owed to you by Metudo. These funds are held in segregated accounts as required by applicable regulations.
All content, features, and functionality of our Services, including but not limited to text, graphics, logos, and software, are owned by Metudo or its licensors and are protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from our Services without our express written permission.
Your use of our Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. By using our Services, you consent to the collection and use of information as described in our Privacy Policy.
You may terminate your account at any time by contacting us. Termination does not relieve you of obligations for transactions processed before termination.
We may suspend or terminate your account immediately if you violate these Terms, engage in fraudulent activity, or pose a risk to our Services or other users.
Upon termination, your right to use our Services will immediately cease. We may hold funds for a period after termination to cover potential liabilities.
OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, GOSEPAY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, OR GOODWILL.
You agree to indemnify, defend, and hold harmless Metudo and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or relating to your use of our Services, violation of these Terms, or infringement of any rights of another.
These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.
In the event of any dispute arising out of or relating to these Terms, you agree to first contact us to seek resolution. If we cannot resolve the dispute informally, it may be resolved through arbitration or other dispute resolution mechanisms as specified in your jurisdiction.
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our Services after such changes constitutes acceptance of the modified Terms.
These Terms, together with our Privacy Policy and any other agreements referenced herein, constitute the entire agreement between you and Metudo regarding the use of our Services.
If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.
You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms without restriction.
We shall not be liable for any failure or delay in performance under these Terms due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, or government actions.
If you have questions about these Terms, please contact us at:
Email: legal@payoct.com
Address: Metudo Legal Department
We aim to respond to all inquiries within 5 business days.
By using Metudo's Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.