1. Introduction

Welcome to Paymate. By visiting our website, making a purchase, or using our services, you agree to comply with these Terms and Conditions. Please read them carefully before continuing.

2. Services
Paymate offers ecommerce website development, custom web design, POS systems and hardware, digital marketing, SEO, branding, and social media management. Our solutions are designed to help businesses grow both online and offline.

3. Use of Website and Services
When using our website or services, you agree to:

• Use them only for legal and legitimate purposes.

• Provide complete and accurate information when requested.

• Avoid disrupting, damaging, or attempting to reverse engineer any part of our software, systems, or content.

4. Payments & Refunds
All payments must be made in full unless otherwise stated in a signed agreement.

Refunds are only available when no product or service has been delivered.

Once a service (e.g., marketing campaign, website build) or physical product (e.g., POS terminal) has been delivered, no refund will be issued.

5. Intellectual Property
All materials, designs, code, and content on the Paymate website are the property of Paymate or our licensors. Unauthorized use, reproduction, or distribution is prohibited.

6. Testimonials & Marketing Statements
Testimonials, case studies, and marketing claims reflect individual client experiences. Outcomes will vary depending on factors such as industry, strategy, and user engagement.

7. Third-Party Services
Paymate may use or integrate third-party tools (e.g., payment gateways, analytics, hosting services). We are not responsible for the content, performance, or policies of such providers.

8. Termination of Services
We reserve the right to suspend or terminate access if you violate these terms, misuse our services, or engage in fraudulent activity.

9. Limitation of Liability
Paymate will not be held liable for indirect, incidental, or consequential damages resulting from the use of our products or services. All offerings are provided “as is” without any warranty.

10. Governing Law
These Terms are governed by the laws of Ontario, Canada, along with applicable federal laws in Canada and the United States.

11. Contact Information
For any questions regarding these Terms and Conditions, you can reach us at:
📧 legal@paymate.com