Effective Date: 15 January 2026

Last Updated: 15 January 2026

1. Introduction

These General Terms and Conditions (the "Terms") govern access to and use of the website https://finity-pay.com (the "Website") and any related services provided through it. The Website is owned and operated by Finity Pay. By accessing or using the Website, you confirm that you have read, understood, and agree to be legally bound by these Terms. If you do not agree, you must not use the Website.

2. Contact Information

For any questions regarding these Terms, please contact us at:

📧 Email: support@finity-pay.com
🌐 Website: https://finity-pay.com

3. Definitions

For the purposes of these Terms:
"User" means any natural or legal person accessing or using the Website.
"Services" means any functionality, content, or digital services made available through the Website.
"Content" means all text, data, graphics, software, and materials published on the Website.

4. Eligibility

By using the Website, you represent and warrant that:
- you are at least 18 years old or have legal capacity under applicable law;
- you have the authority to enter into a legally binding agreement;
- you are using the Website in compliance with applicable laws and regulations of the European Union and your country of residence.

5. Scope of Services

The Website provides access to digital services related to payment-related workflows, authentication, and supporting functionalities (collectively, the Services). Finity Pay reserves the right to: modify, suspend, or discontinue any part of the Services; update functionality to comply with legal, technical, or security requirements.

6. User Obligations

Users agree to:
- provide accurate and truthful information when required;
- use the Website only for lawful purposes;
- refrain from any activity that could damage, disable, or impair the Website;
- not attempt unauthorized access to systems, data, or networks.

7. Prohibited Activities

Users must not:
- violate any applicable EU or national laws;
- engage in fraud, abuse, or misleading practices;
- upload or transmit malicious software;
- infringe intellectual property or privacy rights of others;
- use the Website for money laundering, terrorist financing, or other illegal financial activities.

8. Intellectual Property Rights

All intellectual property rights in and to the Website and its Content are owned by or licensed to Finity Pay. Nothing in these Terms grants Users any license or right to use Finity Pay's trademarks, logos, software, or Content without prior written consent.

9. Fees and Payments (if applicable)

If any Services are provided for a fee: applicable fees will be clearly disclosed prior to purchase; prices will be displayed inclusive or exclusive of VAT as required by EU law; Users will be informed of payment terms, billing cycles, and applicable taxes. Payment processing is handled by authorized third-party payment providers. Finity Pay does not store full payment card details.

10. Disclaimer of Warranties

To the maximum extent permitted by law, the Website and Services are provided "as is" and "as available". Finity Pay does not warrant that: the Website will be uninterrupted or error-free; the Services will meet specific user expectations; technical defects will be corrected immediately. Nothing in these Terms excludes mandatory consumer rights under EU law.

11. Limitation of Liability

To the extent permitted by applicable law, Finity Pay shall not be liable for: indirect, incidental, or consequential damages; loss of profits, data, or business opportunities; damages resulting from unauthorized access or use of the Website. This limitation does not apply in cases of: intentional misconduct; gross negligence; liability that cannot be excluded under EU consumer protection law.

12. Data Protection and Privacy

Personal data is processed in accordance with Regulation (EU) 2016/679 (GDPR) and applicable EU and national data protection laws. Details regarding data processing are provided in our Privacy Policy, which forms an integral part of these Terms.

13. Cookies

The Website uses cookies and similar technologies in accordance with EU ePrivacy regulations. Users may manage cookie preferences through browser settings or the cookie consent mechanism on the Website.

14. Third-Party Services and Links

The Website may contain links to third-party websites or services. Finity Pay: does not control such third-party services; is not responsible for their content or practices; encourages Users to review third-party terms and privacy policies.

15. Suspension and Termination

Finity Pay reserves the right to suspend or terminate access to the Website if a User: violates these Terms; engages in unlawful or harmful conduct; poses a security or legal risk. Termination does not affect rights or obligations accrued prior to termination.

16. Changes to the Terms

Finity Pay may update these Terms from time to time. Material changes will be communicated through the Website. Continued use of the Website after changes constitutes acceptance of the updated Terms.

17. Governing Law and Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of the European Union, supplemented by applicable national law. Consumers retain the right to bring claims before the courts of their country of residence, as required by EU consumer protection law.

18. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

19. Entire Agreement

These Terms constitute the entire agreement between the User and Finity Pay regarding the use of the Website and supersede any prior agreements or understandings.