Effective Date: October 1, 2025

Welcome to Payer-Gateway. These Terms and Conditions (“Terms”) govern your use of our website at www.payer-gateway.com (“Website”) and all services operated by Payer-Gateway (“Payer-Gateway,” “we,” “us,” or “our”).

Jurisdiction Restriction: Users from the United States are not permitted to access or use our services.

1. Acceptance of Terms

By using our Website or services, you confirm that you accept these Terms and agree to comply with them. If you do not agree to these Terms, you must not use our Website or services.

2. Eligibility and Access

You must be at least 18 years of age and reside outside the United States to access and use the services provided by Payer-Gateway. You represent and warrant that you meet these eligibility requirements.

3. Services Overview

Payer-Gateway provides business clients with payment infrastructure, gateway technology, and associated financial services. The specifics of each service are governed by individual agreements between Payer-Gateway and its clients.

4. Changes to the Website and Terms

We reserve the right to update or change our Website, services, or these Terms at any time. Material changes will be notified to users. Your continued use of the Website following changes signifies your acceptance of the revised Terms.

5. Account Responsibilities

If you create an account with us, you are responsible for maintaining the confidentiality of your credentials and for all activities under your account. You agree to provide accurate and up-to-date information.

6. Intellectual Property Rights

All intellectual property rights in the Website and its content, including but not limited to trademarks, software, and logos, belong to Payer-Gateway or our licensors. You may not use or copy any part of the Website without prior written consent.

7. Acceptable Use

You agree not to use the Website:

• In any way that breaches applicable laws or regulations
• To transmit unsolicited or unauthorized advertising or promotional material
• To harm, defame, or infringe on the rights of others
• To introduce viruses or malicious code

8. Third-Party Links

The Website may contain links to third-party websites or services. These are provided for convenience only. Payer-Gateway is not responsible for the content or privacy practices of third-party sites.

9. Limitation of Liability

To the fullest extent permitted by law, Payer-Gateway and its affiliates shall not be liable for any indirect, incidental, consequential, or punitive damages, or any loss of profits or revenues arising from your use of the Website or services.

10. Indemnification

You agree to indemnify and hold harmless Payer-Gateway, its directors, officers, employees, and affiliates from any claims, damages, losses, or legal fees arising out of your use of the Website or services or your breach of these Terms.

11. Termination

We may suspend or terminate your access to the Website or services at any time without notice, including for breach of these Terms.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of Canada. You agree to submit to the exclusive jurisdiction of those courts.

13. Severability

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

14. Contact Us

For questions or concerns regarding these Terms, contact us at: legal@payer-gateway.com