You agree that any notices, disclosures, agreements and other communications that we may deliver or communicate to you from time to time comply with the terms of any applicable electronic documents legislation, including the requirement that such documents be in writing, are capable of being retrieved, reviewed, printed and stored for further use by you.
By accepting this Agreement, you agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, “Communications”) that we provide in connection with your Account and your use of the Service. Communications include but are not limited to:
We will provide these Communications to you by emailing them to you at the primary email address listed in your Account registration, by emailing you a link or instructions how to access them on a website, or (if permitted by law) by posting them on the Website. Communications are considered received by you within 24 hours of the time they are emailed to you or posted to our Website. You further agree that your electronic signature has the same effect as your manual, physical signature.
By giving your consent, you are confirming that you are able to receive, open, and print or download a copy of any Communications for your records. It is important for you to retain copies of Communications because they may not be accessible in your Account at a later date.
You may provide access to certain apps to authorized users (called Guest Collaborators). An authorized user is someone designated by you via the Guest Collaborator functionality available in Peymynt. Such authorized users may have access to your account information and perform various tasks as instructed by you which include but are not limited to creating invoices, categorizing transactions, and any other lawful tasks that you may prescribe. If you administer your Peymynt account on behalf of a business or corporation, you represent and warrant that you have the right to provide access to your Guest Collaborators.
Peymynt Financial may, without notice or liability, add, discontinue or revise any aspect, mode or design of the Services which include but not limited to the scope of service, time of service, or to the software/hardware required for access to the Services. Peymynt Financial may also limit the geographic locations or jurisdictions where certain Services may be available.
Without prejudice to the foregoing, should there be a failure of or error, omission, defect, deficiency, delay causing downtime, or inability of a subscriber to access the Services for any length of time, including as a result of the permanent termination of service, the subscriber acknowledges and agrees that, except as otherwise set out herein, its only remedy for any error, omission, defect, deficiency, delay or other failure of Peymynt or the Services whatsoever is to discontinue using Peymynt and the Services.
You assume sole responsibility for and shall ensure that any information, data, documents or materials used, disclosed, entered into or created using Peymynt or in connection with the Services is accurate, reliable and complete and does not violate our content guidelines. You authorize us and our service providers and their vendors and subcontractors to monitor your website and your use of the Services. You represent and warrant that you have obtained all required consents and comply with all applicable legislation, including without limitation privacy legislation, in connection with any use and disclosure of information relating to the use of Peymynt and the Services. Peymynt Financial accepts no responsibility for the accuracy of any information, data, documents or materials entered into or created using Peymynt or the Services except as otherwise set out herein. The input, posting or uploading of any information and the storage of any information, data, documents or materials on the Service by us does not constitute our endorsement nor warranty as to the compliance of such information or materials with applicable legislation, nor to the accuracy, timeliness, materiality, completeness, or reliability of such information or materials.
While using the Services, we may also collect information from you about someone else. If you provide us with personal information about someone else, you are obligated to ensure that you are authorized to disclose that information to us, and that we, without further action, may collect, use, and disclose that information for the purposes described in this policy.
Peymynt Financial may require you to assist with any requests by the individual to access or update their information, and you agree to do so.
You agree to use Peymynt and the Services for the purposes that they were
intended and only in accordance with the terms of this
Furthermore, you are entirely responsible for any activities that occur under your account. You agree to notify us immediately of any unauthorized access to or use of your account. You agree to hold harmless and release the Peymynt Parties from any loss or liability whatsoever that you may incur as a result of someone other than you using your username, password or account, either with or without your knowledge. You agree to indemnify the Peymynt Parties for any damages, third party claims or liabilities whatsoever that we may incur as a result of activities that occur on or through your account, whether or not you were directly or personally responsible.
We are responsible for the security of Cardholder Data that is collected, transmitted, stored, or processed by Us on Your behalf. “Cardholder Data” is defined as being the cardholder’s primary account number, and where a full unmasked card number is present, any of the cardholder name, expiration date, and/or service code. Peymynt Financial has developed strict security features to protect Cardholder Data, and as such it is required that this data only be used in anticipated ways and stored in appropriate places.
YOU ACKNOWLEDGE AND AGREE THAT YOU ARE PROHIBITED FROM ENTERING CARDHOLDER DATA INTO ANY FORM OR DATA ENTRY FIELDS IN PEYMYNT, EXCEPT INTO THOSE FIELDS INTENDED SOLELY FOR THAT PURPOSE (i.e. where Peymynt explicitly requests such data be entered into such fields).
Appropriate fields are clearly marked with labels such as ‘Card number’ or by having a credit card icon precede them. For clarity, it is not permissible to store cardholder data in fields with labels such as ‘memo’ or ‘note’. Similarly, excluding payment forms, you must never enter CVV2 data into any fields in Peymynt. You assume all responsibility for any cardholder data entered into Peymynt in violation of this Agreement.
Peymynt Financial does not provide professional accounting services. If you use the Peymynt Pro Network, you agree that you do so at your own risk. Unless expressly stated to the contrary, Peymynt Financial does not pre-qualify, review, or endorse Peymynt Pros and we provide no representation or warranty as to the background, reputation, character, qualifications, skills, insurance, work product, services, advice, recommendations or quality of the Peymynt Pro. If you use a Peymynt Pro, you acknowledge that you are doing so at your own risk and hereby agree to release and hold Peymynt Financial harmless from any or Claims arising from your use of the Peymynt Pro, as further set out in Section I below. Peymynt Financial does not purport to provide you with any financial or accounting advice and you agree to release and hold Peymynt Financial harmless for and from any Claims (as defined below) arising from your use of a Peymynt Pro to provide you with technical support in relation to Peymynt, as further set out in Section I below.
Peymynt Financial and its licensors and suppliers own both the proprietary
rights as well as the intellectual property rights to all URLs, materials,
products, web content, web page designs, web page layouts, images, text,
utilities and software that make up the Services, but excluding your data
information which you provide to us or input using Peymynt and the Services.
technical procedures, processes, concepts and methods of operation that are
inherent within Peymynt constitute trade secrets. The usage of our Services
not constitute a sale or transfer of any intellectual property rights to the
users. Without any prejudice to the foregoing, any information or data
using Peymynt by a user or otherwise provided for accessing Peymynt on the
user’s behalf shall at all material times remain the property of the
The user hereby grants to Peymynt Financial a worldwide, perpetual, royalty
free, nonexclusive right and license to use all content provided by the user
connection with Peymynt and the Services for uses related to the delivery of
Materials on and relating to Peymynt, including the content of Peymynt and any software downloaded from Peymynt, are protected by copyright, trade-mark and other intellectual property laws. Subject to your ownership of your user content and data, Peymynt Financial reserves all rights in and to such materials. The subscriber will not make store, download, transfer, sell, reproduce, redistribute, transfer to any other server, modify, reverse engineer or copy the Services or any of the materials or software or any part of Peymynt or any content therefrom without Peymynt Financial’s express written consent. You will also take all reasonable steps to forestall any unauthorized use, copying or transfer of materials on or relating to Peymynt.
Notwithstanding the above, you may, subject to the following conditions, use individual screen displays (screenshots) which you generate as a subscriber using the Services. Your use of screenshots is subject to the following:
Peymynt Financial has rights to several trade-marks which it uses in connection with the operation of Peymynt. Peymynt Financial does not grant the users any right or license to use the Peymynt Financial trade-marks or any logo, trade-name or other intellectual property other than as expressly set out herein and in other licenses between you and us.
The users shall access the information stored using the Services for lawful purposes only and may not use such information for the purpose of committing or furthering fraudulent acts or for committing any acts that would give rise to both or either civil and criminal liability.
The users agree not to publish, post, upload, distribute, provide or enter
material or information that is illegal, unlawful or can be regarded as
fraudulent, libelous, malicious, threatening, offensive, profane, obscene,
fanning ethnic or racial tensions, immoral or any such information which any
reasonable person would consider objectionable on grounds of good
No user shall use any means to restrict or prevent another user from accessing or enjoying Peymynt.
No user shall be permitted to upload material into Peymynt that he or she ought to know infringes on the intellectual property of others, or upload material that places unnecessary load as to affect the performances of our websites, systems and equipment. You may not use Peymynt and the Services in a manner which could block access to, impair, damage or otherwise disable Peymynt or any of our servers. You may not attempt to gain unauthorized access to Peymynt or to any other user’s accounts, computer systems or networks through password mining, keystroke logging, hacking or any other means. You will not upload any files that contain viruses, Trojan horses, malware, spyware, worms, corrupted files or any other material or software that may damage the operation of another computer. Any and all materials uploaded are subject to applicable laws.
No user shall lease, sell, pledge, sublicense, assign or otherwise deal with the software belonging to Peymynt in a manner that is inconsistent with our intellectual property rights over the software.
No user shall promote any commercial interest, falsify or delete any information on Peymynt, collect personal information without express authority to do so, violate any applicable laws, create a false identity or utilize Peymynt under false pretenses.
THE SUBSCRIBERS AND THE USERS HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE THE PEYMYNT PARTIES FROM ANY AND ALL MANNER OF RIGHTS, LOSSES, COSTS, CLAIMS, COMPLAINTS, DEMANDS, DEBTS, DAMAGES, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS AND DISBURSEMENTS OF ANY NATURE WHATSOEVER, INCLUDING WITHOUT LIMITATION ANY LOST PROFIT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES (COLLECTIVELY, A "CLAIM") WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER ARISE FROM, RELATE TO, OR ARE CONNECTED WITH (I) THIS AGREEMENT; (II) THE USE OF PEYMYNT AND ITS SERVICES AND ANY RELATED APPLICATIONS INCLUDING THE PRO NETWORK AND THIRD PARTY SERVICES; (III) THE USE OF ANY SOFTWARE RELATED TO PEYMYNT; (IV) VIRUSES, SPYWARE, SERVICE PROVIDER FAILURES OR INTERNET ACCESS INTERRUPTIONS; (V) LOSS OF USE, LOSS OF DATA, ERROR, INACCURACY OF DATA, PAYMENT FAILURE, PAYMENT DEFECT, INACCURATE CALCULATIONS (EXCEPT AS OTHERWISE SET OUT HEREIN), DOWNTIME, IDENTITY THEFT, FRAUD OR UNAUTHORIZED ACCESS; OR (VI) ANY INFORMATION, DOCUMENT, MATERIALS, TOOLS, UTILITIES, PRODUCT OR DATA THAT RELATING TO THE USE OF PEYMYNT AND THE SERVICES; WHETHER SUCH CLAIM IS BASED IN CONTRACT OR TORT OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH CLAIM, OR SUCH CLAIM WAS REASONABLY FORESEEABLE AND NOTWITHSTANDING THE SUFFICIENCY OR INSUFFICIENCY OF ANY REMEDY PROVIDED FOR HEREIN OR IN ANY LICENSE.
FOR GREATER CERTAINTY, IN NO EVENT SHALL WE (AND OUR SUPPLIERS) BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFIT OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO THIS AGREEMENT OR YOUR USE OF, OR INABILITY TO USE, THE SITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ACCESS TO, AND USE OF, PEYMYNT AND SERVICES ARE AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE, MISUSE, ERROR, OR LOSS OF DATA ARISING FROM SUCH ACCESS AND USE.
Peymynt Financial may terminate this agreement and your use of Peymynt at any time and for any reason with reasonable notice to you and without notice if you breach any of these terms or we suspect you of fraud or suspect that your Account has been compromised in any way. Subscribers may use Peymynt on an at-will basis until the agreement has been terminated by either party pursuant to the terms of this agreement or any related license agreement. You may also terminate this agreement by following the “Close your Peymynt Account” instructions found on your Account page. In the case of a company, upon an order or a resolution being passed for the purposes of winding up the business activities other than for the purposes of amalgamation, merger or reconstruction or upon a composition agreement being made with the creditors.
Upon such termination, you must immediately cease using Peymynt indefinitely. We may, at our discretion, block your access to Peymynt.
You own all of your business’s private data, content and all information which you enter and use in connection with the Services. We do not claim any rights, proprietary or otherwise over any data or information which you may use or disclose in connection with the Service and Peymynt. Notwithstanding the above, there may be circumstances in which we may be required to disclose data, such as the following:
If we are required to disclose your data or information, we will use our
efforts to provide you with reasonable notice in the circumstances and if
appropriate the right to challenge any such request. Peymynt
and limit disclosure of your personal information.
You may when using our Site and Services be directed to websites maintained by other third party service providers.
Some of the functionality of the Services and Peymynt interoperate with, and are highly dependent upon, application programming interfaces (APIs) from third parties, such as Google and Facebook. If at any point such third party services cease to make themselves or their APIs available to us on reasonable terms, we may cease to provide those third party services without entitling you to a refund, credit or other compensation. Your only recourse shall be to stop using Peymynt and the Services. In addition, if you authorize us to do so, we may grant third parties access to some or all (depending on the permission you give) of your private data, content and information through our own API for use in connection with their services.
You acknowledge that such sites and services are completely independent of Peymynt and as we have no control over them, we accept no liability in respect of your use, ability or inability to use them or any of the content of such sites. In addition, we may at any time in our discretion and without notice to you, discontinue providing our API to such third party services. You acknowledge that any use of the products and services offered by such third party services providers (e.g. for the purposes of payment processing, direct deposit services, payroll tax return preparation, filing and government remittances) will be at your sole risk. You acknowledge that use of such third party service providers and their websites and services is, except where prohibited or modified by applicable law, subject to the terms, conditions and policies established by the third party service providers. You expressly hold us harmless and hereby release us from any liability whatsoever whether arising out of contract, tort or otherwise for and from any Claims (defined below) arising out of your use of, or inability to use, the products and services of third party service providers whether or not such use is ancillary to your use of Peymynt. The availability of such third party services in connection with Peymynt does not constitute an endorsement, warranty, or representation as to the fitness, suitability, merchantability, title, non-infringement, quality, or accuracy of the third party provider or its products or services.
Neither party should be held liable for a delay or failure in performance
the agreement for services caused by reason of any occurrence of unforeseen
event beyond its reasonable control, including but not limited to, acts of
natural disasters, power failures, server failures, third party service
failures or service interruptions, embargo, labour disputes, lockouts and
strikes, riots, war, floods, insurrections, legislative changes, and
governmental actions. The party so affected by the unforeseen event shall be
excused on a day-to-day basis for the period of time equal to that of the
underlying cause of delay.
they have been grouped together or linked grammatically, are severable from
continue to be binding and enforceable.
Except as otherwise set out herein, this Agreement shall in all respects be governed by and interpreted, construed and enforced in accordance with the laws of Los Angeles, California and the laws of the United States of America applicable therein as applied to agreements entered into and to be performed entirely within Los Angeles, California, without regard to its choice of law or conflicts of law principles that would require application of law of a different jurisdiction. This agreement and any actions whatsoever taken by you in connection herewith and with any Service, software, tool, application or functionality, will be deemed to have been performed in Los Angeles, California. The parties hereto irrevocably submit and attorn to the exclusive jurisdiction and venue of the courts of Los Angeles, California.
You waive all rights to a trial by jury in connection with any legal proceeding or dispute against us. You further agree that any dispute or proceeding which you may bring against us shall be conducted on an individual basis and not a class-wide basis and that any such proceeding or dispute shall not be consolidated with any other dispute or proceeding which might arise between us and any other user.
The websites  www.peymynt.com and www.peymyntfinancial.com, and the names Peymynt, Peymynt Financial, Peymynt Accounting, Peymynt Payroll, and Peymynt Apps are property of Peymynt Financial Inc. a company incorporated in the state of Alaska.
Peymynt Financial is not obligated to review the information for any
including but not limited to accuracy. It is entirely your responsibility to
ensure the accuracy, completeness and timeliness of any information provided
us or any third party service providers in connection with any of the
You and your users are responsible for maintaining the confidentiality and security of usernames, passwords and other access credentials which allow the use of Peymynt and access to the Services. You understand and agree that the you are liable for unauthorized use of your account.
Unless you subscribe only to our Peymynt Personal application, in which case this section does not apply to you, you acknowledge and agree that you will only use Peymynt and the Services for business purposes and not for personal, family or household purposes.
No delay or omission to exercise any right or remedy accruing upon any breach or default hereunder shall impair any such right or remedy nor be construed as a waiver of any such breach or default or of any similar breach or default thereafter occurring, nor shall any single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right or remedy. No waiver (or consecutive waivers) of any single breach or default shall operate or be construed as a waiver of any subsequent breach or default.
The use of certain Additional Services are subject to and governed by additional terms of service (i.e. the Specific Additional Service Terms, noted in the recitals at the beginning of this agreement). If you use any of the Services listed immediately below, the linked Specific Additional Service Terms apply. In the event such additional or specific terms are inconsistent with the Specific Additional Service Terms, those Specific Additional Service Terms will control.
SolidFi If you are issued a personal or business checking and/or savings accounts, the Banking by Peymynt program is powered by SolidFi, you’re bound by their Terms and Conditions.
Stripe If you are processing of credit, debit, and ACH payments, Payments by Peymynt is powered by Stripe, you’re bound by their Terms and Conditions.
SolidFi If you are issued a Blue Visa Debit card, the Blue Visa Debit card program is powered by SolidFi, you’re bound by their Terms and Conditions.
Plaid If you are importing transaction data for accounting purposes, bank data importing is powered by Plaid, you’re bound by their Terms and Conditions.