Terms of Service

Last updated: April 2026

Effective date: April 13, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") form a legally binding agreement between you ("Developer", "you", or "your") and PayVia, operated by Asia Digital ("PayVia", "we", "us", or "our"). By accessing, registering for, or using any part of the PayVia platform - including our website, dashboard, REST API, JavaScript SDK, MCP server, webhooks, or any related tool (collectively, the "Services") - you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference.

If you do not agree to these Terms, you must not access or use the Services. If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind that entity.

2. Eligibility & Age Requirement

PayVia is a B2B service intended for professional software developers and businesses. You must be at least 18 years old (or the age of majority in your jurisdiction, whichever is greater) and legally capable of entering into a binding contract. You must not be a person barred from receiving the Services under the laws of Israel, the United States, the European Union, the United Kingdom, or any other jurisdiction applicable to you.

3. Role of PayVia & Description of Service

PayVia provides payment and subscription infrastructure that enables developers to accept recurring payments for their Chrome Extensions, web applications, and SaaS products. Our Services include:

  • Integrations with third-party payment providers (currently PayPal and Tranzila)
  • Subscription, plan, tier, and license lifecycle management
  • A developer dashboard for project, plan, tier, subscriber, and analytics management
  • A JavaScript SDK for client-side integration, including license caching for offline use
  • A REST API, webhook system, and MCP server for programmatic access
  • Automatic trial enrollment, extension, and expiration management
  • License validation, audit logging, and anti-tamper cache signatures
  • Optional OAuth 2.0 authorization code flow for agent and MCP clients

PayVia is NOT a Merchant of Record, payment processor, acquirer, or bank. PayVia does not hold, store, transmit, or process raw cardholder data. All payments are executed through the payment provider account that you configure for your project, using credentials that you own. The contractual relationship for the actual movement of funds is between you and your payment provider, and between your payment provider and your end-user. PayVia acts as a technology platform that orchestrates these relationships on your behalf.

Because we are not a Merchant of Record, you remain solely responsible for compliance with tax law (including VAT, sales tax, GST, and income tax), consumer protection law, invoicing, receipts, and all obligations that attach to a seller of digital goods or services in every jurisdiction in which you operate.

4. Account Registration

To use PayVia, you must create an account by registering with an email and password, or by signing in with Google. You agree to:

  • Provide accurate, current, and complete registration information
  • Keep your account information up to date
  • Maintain the confidentiality and security of your password, API keys, OAuth tokens, and any other access credentials
  • Accept responsibility for all activities that occur under your account, whether authorized or not
  • Notify us immediately at payvia@asia-digital.online of any suspected unauthorized use of your account or credentials

You may not share your account credentials, API keys, or OAuth tokens with any third party, allow others to access your account, or create an account on behalf of another person without their authorization. Each organization should maintain a single account; creating multiple accounts to circumvent limits, fees, fraud controls, or suspensions is prohibited and may result in termination of all related accounts.

5. API Keys, OAuth Tokens & Credentials

PayVia issues two types of programmatic credentials:

  • API Keys - for server-to-server integrations (via the X-API-Key header)
  • OAuth 2.0 access tokens - for agents and MCP clients using the authorization code + PKCE flow

You must treat these credentials as secrets and must not embed them in client-side code (such as a browser, Chrome extension content script, or mobile app binary), commit them to public source repositories, paste them into support forums, or transmit them over insecure channels. We recommend rotating API keys periodically and immediately upon any suspected compromise.

You are responsible for all activity that occurs under your API keys and tokens, including any resulting payment provider charges or fees. If you become aware that a credential has been exposed, you must rotate it via the dashboard and notify us.

6. Payment Processing Through Third Parties

PayVia facilitates payments exclusively through third-party payment providers that you select and configure. Currently supported providers are PayPal and Tranzila. Additional providers may be added or removed at our discretion with reasonable notice. Important terms:

  • Payments are processed directly through the payment provider account that you own and configure for your project
  • PayVia does not hold, store, transmit, or have access to end-users' cardholder data at any time; cardholder data is handled exclusively by PCI-DSS compliant payment providers
  • You are bound by, and you must independently comply with, each payment provider's terms of service, acceptable use policy, user agreement, and applicable card network rules, including the PayPal User Agreement and the Tranzila merchant agreement (both of which are incorporated here by reference)
  • You hereby authorize PayVia to transmit transaction instructions, subscription events, and related metadata to and from your configured payment providers on your behalf
  • You must configure valid credentials for each payment provider you use; we may store these credentials in encrypted form strictly for the purpose of processing payments and subscriptions on your behalf
  • Refunds, chargebacks, disputes, tax handling, and payouts are processed through the respective payment provider and are governed by that provider's terms - not by PayVia
  • Any fees charged by the payment provider (including processing fees, currency conversion fees, chargeback fees, or payout fees) are your sole responsibility

If a payment provider suspends, terminates, holds, or restricts your account, PayVia may be unable to process transactions on your behalf until you restore good standing with that provider. We are not responsible for payment provider outages, disputes, restrictions, or decisions, and we will not be liable for any resulting loss.

7. Developer Responsibilities

As a developer using PayVia, you are solely responsible for:

  • Complying with all applicable laws and regulations, including consumer protection, data privacy (GDPR, UK GDPR, CCPA/CPRA, LGPD, PIPEDA, and others), tax obligations, anti-money-laundering and counter-terrorism-financing laws, and sanctions regimes
  • Calculating, collecting, remitting, and reporting all applicable taxes (including VAT, GST, and sales tax) on the transactions you process through PayVia
  • Providing clear, accurate, and accessible pricing, billing terms, auto-renewal disclosures, trial terms, refund policies, and cancellation procedures to your end-users before checkout, in accordance with the laws of every jurisdiction you sell into (including the EU Consumer Rights Directive and the US Restore Online Shoppers' Confidence Act where applicable)
  • Obtaining legally valid consent from your end-users before collecting, processing, or transferring their personal data through PayVia, and providing your own privacy notice to them
  • Handling all end-user support, complaints, disputes, and refund requests related to your products, subscriptions, or services
  • Ensuring that your integration of the SDK, API, and webhooks follows our documentation and does not circumvent cache signatures, license validation, security mechanisms, or rate limits
  • Maintaining the confidentiality of your API keys, OAuth tokens, payment provider credentials, and webhook secrets, and not embedding any of them in client-side code
  • Not misrepresenting your identity, products, affiliations, or the relationship between you and PayVia
  • Keeping your contact information current so that you receive critical service, security, and policy notices

8. Trial & Subscription Lifecycle

PayVia supports configurable trial periods and subscription lifecycle management:

  • You may configure automatic trial enrollment for your projects (default 14 days, up to 90 days)
  • When automatic trial is enabled, end-users are enrolled automatically on first use - you must inform them of trial terms (duration, features, auto-conversion, cancellation procedure) before enrollment, using a prominent in-product disclosure
  • Canceled paid subscriptions include a grace period through the end of the paid billing cycle (the "Cancel with Grace Period"). During this window, the subscription remains ACTIVE for license validation purposes
  • License validation results may be cached on end-user devices for up to seven (7) days, with an additional thirty (30) day offline grace window, as described in our documentation
  • You are responsible for ensuring that your auto-renewal disclosures, cancellation flow, and trial-to-paid conversion notice comply with the laws of the jurisdictions in which your end-users reside

If a trial converts to a paid subscription and your end-user was not clearly notified in advance, you (not PayVia) are responsible for any refunds, chargebacks, regulatory action, or complaints that result.

9. Fees & Pricing

PayVia is currently offered free of charge during the platform's growth phase. We reserve the right to introduce fees for certain Services, plans, or usage tiers in the future. Any material pricing change will be communicated at least thirty (30) days in advance via email to your registered account address and through a prominent notice in the dashboard.

Fees charged by third-party payment providers, currency conversion services, tax providers, or other third parties are separate from any PayVia fees and are your sole responsibility. Continued use of the Services after the effective date of a fee change constitutes acceptance of the new pricing.

We may also offer paid plans, usage-based pricing, or add-on features from time to time. Details will be posted on our pricing page, which is incorporated into these Terms by reference and may be updated from time to time.

10. Prohibited Uses & Products

You may not use PayVia, directly or indirectly, to sell, promote, distribute, process payments for, or operate any of the following products, services, or activities:

10.1 Illegal & Fraudulent Activity

  • Any product, service, or activity that is illegal in any jurisdiction in which it is offered, accessed, or delivered
  • Fraudulent transactions, money laundering, terrorism financing, tax evasion, or any transaction designed to obscure the origin, ownership, or control of funds
  • Ponzi schemes, pyramid schemes, multi-level marketing (MLM), matrix programs, "get rich quick" schemes, or any business model whose primary purpose is recruiting other participants
  • Deceptive marketing practices, fake reviews, engagement fraud, follower-inflation services, or any service designed to manipulate online metrics
  • Any activity that violates the acceptable use policy, restricted business list, or card network rules of PayPal, Tranzila, Visa, Mastercard, American Express, or Discover

10.2 Intellectual Property Infringement & Unauthorized Content

  • Counterfeit goods, unauthorized replicas, or any product that infringes a trademark, copyright, patent, trade secret, publicity right, or other proprietary right
  • Unauthorized copies or distribution of software, music, video, books, courses, or other media; "cracked" software; key generators; serial-number lists; OEM license resale without authorization
  • Private Label Rights (PLR) and Master Resell Rights (MRR) products offered without the full original rights holder's authorization
  • Unauthorized IPTV, streaming downloaders, DRM-circumvention tools, or media-burning software intended to copy protected content
  • Essay mills, paper mills, or any academic-integrity-violating service

10.3 Adult, Regulated & High-Risk Categories

  • Sexually explicit or pornographic content, adult entertainment, escort services, dating applications featuring adult content, or NSFW chat/LLM assistants
  • Any content that sexualizes minors, or that features characters who are minors, depicted as minors, or suggested to be minors, in any sexual context. This prohibition is absolute and violation will result in immediate termination and referral to law enforcement
  • Gambling, sports betting, lotteries, sweepstakes, fantasy sports, pay-to-play auctions, skill-based gaming with cash prizes, and any other gaming activity regulated as gambling in any jurisdiction
  • Weapons, ammunition, firearms parts, explosives, and tactical equipment intended for harm
  • Tobacco, e-cigarettes, vaping products, recreational drugs, drug paraphernalia, and any controlled substance
  • Cannabis, CBD, and other cannabinoid products, regardless of local legality
  • Prescription pharmaceuticals, pseudo-pharmaceuticals, anti-aging or weight-loss supplements with unverified claims, and illegal online pharmacies

10.4 Financial & Crypto Restrictions

  • Regulated financial products, securities trading, binary options, CFDs, forex, or any investment product that would require a financial services license in any relevant jurisdiction
  • Money transmission, money service businesses, check cashing, currency exchange, bail bonds, debt collection, or credit repair
  • Cryptocurrency exchanges, virtual currency trading platforms, crypto mining services, initial coin offerings (ICOs), NFT marketplaces, and tokenized securities
  • Get-rich-quick and speculative investment content marketed to retail consumers

10.5 Malicious Software & Privacy-Invasive Tools

  • Malware, spyware, stalkerware, keyloggers, remote access trojans, rootkits, or any tool whose primary purpose is unauthorized access to a device, account, or network
  • Tools that enable account takeover, credential stuffing, SIM swapping, or identity theft
  • Browser extensions that inject ads, hijack searches, replace affiliate links, or scrape user data without clear and prominent disclosure
  • Automation or scraping tools designed to violate the terms of service of another online service
  • Phone-unlocking services, device-jailbreaking tools marketed for unauthorized use, or tools that circumvent platform DRM

10.6 Platform-Incompatible Business Models

  • Physical goods that require shipping, warehousing, fulfillment, or customs handling
  • Pure human-delivered services (for example: consulting, freelance work, custom design, bespoke development, SEO services) sold as single engagements; PayVia is built for recurring digital licenses and subscriptions
  • Crowdfunding, donations, sponsorships, tip jars, and any arrangement where the buyer does not receive a defined digital good or service in exchange
  • Government identification documents, fake IDs, passports, diplomas, or "novelty" credentials
  • Any product listed as prohibited on our website from time to time, as updated at our sole discretion - updates take effect immediately upon posting

11. Acceptable Use of the API & SDK

In addition to the product restrictions above, the following technical usage rules apply to your use of the PayVia API, SDK, webhooks, and dashboard:

  • You must not attempt to reverse-engineer, decompile, disassemble, or extract source code from the Services, except to the minimum extent permitted by non-waivable applicable law
  • You must not probe, scan, or test the vulnerability of any PayVia system without our prior written authorization (see our security disclosure policy in Section 19)
  • You must not interfere with, disrupt, degrade, or overload the Services, including by sending excessive or abusive API traffic or deliberately triggering rate limits
  • You must respect published rate limits; repeated rate-limit violations may result in throttling, temporary suspension, or termination
  • You must not circumvent, tamper with, or remove the license cache HMAC signatures, offline grace-period logic, or any other security mechanism built into the SDK
  • You must not distribute multiple copies of the SDK bundled with different license keys for the purpose of splitting subscriber counts or obscuring usage
  • You must not "shard" your business across multiple PayVia accounts in order to avoid fraud monitoring, rate limits, usage caps, or any suspension
  • You must not use the Services to build a competing product, benchmark for commercial publication without consent, or train a machine learning model on PayVia data outside of your own analytics
  • You must not impersonate PayVia, misrepresent your relationship with us, or use our name, trademarks, or logos except as expressly permitted

12. Customer Data & Content

"Customer Data" means any data, content, or information that you (or your end-users) submit to, or generate through, the Services, including project configurations, plans, tiers, subscriber records, audit logs, and license validation metadata.

As between you and PayVia, you retain all right, title, and interest in and to your Customer Data. You grant PayVia a limited, worldwide, non-exclusive, royalty-free license to host, copy, process, transmit, display, and otherwise use your Customer Data solely to the extent necessary to provide, secure, support, and improve the Services, to comply with our legal obligations, and to enforce these Terms.

You represent and warrant that you have all rights, permissions, and lawful bases necessary for PayVia to process your Customer Data under these Terms, including the right to transfer end-user personal data to PayVia in compliance with applicable data protection law. You are solely responsible for the legality, accuracy, and quality of your Customer Data.

We may also generate aggregated, anonymized, and de-identified statistics from Customer Data (for example: platform-wide subscriber volumes, feature adoption rates, error rates). Such data, once de-identified so that it cannot reasonably be re-associated with you or any end-user, is not "Customer Data" and we may use it for any lawful purpose, including benchmarking, research, and improving the Services.

13. Intellectual Property

The Services, including all software, APIs, SDKs, documentation, designs, logos, trade names, trademarks, user interfaces, and content created or provided by PayVia, are owned by PayVia or its licensors and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

Subject to your compliance with these Terms, PayVia grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services (including the SDK and API) solely to integrate payment and subscription functionality into your applications and extensions during the term of this agreement.

All rights not expressly granted to you are reserved by PayVia and its licensors. Nothing in these Terms transfers ownership of PayVia's intellectual property to you.

14. Feedback License

If you choose to provide PayVia with suggestions, comments, improvements, ideas, or other feedback regarding the Services ("Feedback"), you grant PayVia a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable license to use, copy, modify, distribute, and commercially exploit that Feedback for any purpose, without attribution or compensation. You will not be entitled to any payment or credit for Feedback that we choose to use.

15. Publicity & Use of Your Name

You grant PayVia the right to identify you as a PayVia customer, and to use your company name and logo, on our website, in customer lists, in pitch decks, and in other marketing materials, in a manner consistent with your published brand guidelines. You may opt out of this permission at any time by emailing payvia@asia-digital.online; we will remove your name and logo from forward-facing materials within a reasonable time after receiving your request.

16. Third-Party Services & Dependencies

The Services integrate with, depend on, or link to third-party services that we do not own or control, including payment providers (PayPal, Tranzila), authentication providers (Google Sign-In), hosting and infrastructure providers, and email delivery providers. Your use of those third-party services is governed by their own terms and privacy policies.

PayVia is not responsible for the availability, accuracy, security, or practices of any third-party service, and we will not be liable for any loss or damage arising from your use of a third-party service or from a third-party outage, restriction, or policy decision. If a third-party service is modified, discontinued, or becomes incompatible with PayVia, we will use reasonable efforts to provide an alternative, but we do not guarantee continuous availability of any specific third-party integration.

17. Beta & Experimental Features

From time to time, we may offer features, APIs, SDK methods, or integrations that are designated as "beta", "preview", "experimental", "early access", or similar (collectively, "Beta Features"). Beta Features are provided strictly AS IS, without any warranty or service level commitment, and may be changed, throttled, suspended, or removed at any time without notice. Beta Features may be subject to additional terms provided at the time of access. You use Beta Features entirely at your own risk, and you must not rely on them for business-critical workflows.

18. Service Availability & No SLA Warranty

We use commercially reasonable efforts to keep the Services available and responsive, but we do not guarantee any specific level of uptime, response time, throughput, or webhook delivery latency. Scheduled maintenance, emergency maintenance, third-party outages (such as payment provider or hosting provider incidents), bug fixes, and other interruptions may occur from time to time.

We may publish a separate Service Level Agreement (SLA) for specific paid plans in the future. Unless you have a signed SLA from PayVia, no uptime, response time, or delivery guarantee applies to your use of the Services.

19. Security & Responsible Disclosure

We implement commercially reasonable technical and organizational measures to protect the Services and your data. We also believe in good-faith security research. If you believe you have discovered a security vulnerability in PayVia, please report it privately to payvia@asia-digital.online and give us a reasonable opportunity to investigate and remediate before any public disclosure.

We will not pursue legal action against researchers who: (a) act in good faith, (b) do not access or modify user data beyond what is necessary to demonstrate the issue, (c) do not degrade the Services, and (d) give us a reasonable disclosure timeline. Unauthorized penetration testing, automated scanning, denial-of-service testing, and social-engineering attacks against PayVia personnel are not covered by this safe harbor.

20. Suspension

We may suspend your access to all or part of the Services immediately, with or without prior notice, if we reasonably determine that:

  • You have breached these Terms, our Privacy Policy, or any applicable law
  • Your account or activity poses a security, fraud, compliance, or reputational risk to PayVia, our other users, or our third-party providers
  • A payment provider has restricted, suspended, or terminated your account with them
  • We are required to do so by law, regulation, court order, or government request
  • Your activity is causing, or is reasonably likely to cause, a chargeback rate, refund rate, or fraud rate that exceeds levels acceptable under card network rules
  • Your credentials appear to have been compromised or shared with unauthorized third parties

Where circumstances reasonably permit, we will notify you of the suspension and the steps required to restore access. Where they do not (for example, in cases of fraud, legal obligation, or active incident response), we may suspend first and notify afterward.

21. Term & Termination

These Terms remain in effect for as long as you have a PayVia account or use the Services. Either party may terminate this agreement as follows:

  • By you, at any time, by closing your account through the dashboard or by contacting us at payvia@asia-digital.online
  • By PayVia, immediately, for a material breach that is not cured within fifteen (15) days after written notice (or without any cure period for fraud, illegal activity, or violations of Section 10)
  • By PayVia, for extended inactivity, where an account has had no activity for twelve (12) or more consecutive months
  • By either party, immediately, if the other party becomes insolvent, files for bankruptcy, ceases operations, or is acquired by a competitor of the other party

Upon termination or expiration: (a) your right to access and use the Services ceases immediately; (b) we will disable your API keys, OAuth tokens, and dashboard access; and (c) you remain responsible for any fees, obligations, or liabilities accrued prior to termination.

The active subscriptions of your end-users will not be automatically canceled when your PayVia account ends. You are solely responsible for notifying your end-users, canceling or migrating active subscriptions with your payment provider, and managing the transition in a way that complies with applicable consumer protection law.

22. Data Retention & Return on Termination

Prior to account closure, you may export your subscriber and transaction data from the dashboard in CSV format. After termination, we will delete personal data associated with your account within thirty (30) days, subject to:

  • Data that we are required by law to retain for longer (for example, transaction records for tax and financial regulation purposes, typically seven (7) years)
  • Audit logs, webhook events, and backups, which expire on their own published retention schedule
  • Aggregated and de-identified data, which is not subject to deletion

For full details, see our Privacy Policy.

23. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE.

WITHOUT LIMITING THE FOREGOING, PAYVIA DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS; THAT ANY DEFECTS WILL BE CORRECTED; THAT THE SERVICES WILL MEET YOUR REQUIREMENTS; OR THAT INFORMATION OBTAINED THROUGH THE SERVICES WILL BE ACCURATE OR RELIABLE. YOU USE THE SERVICES AT YOUR OWN RISK.

24. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

  • IN NO EVENT SHALL PAYVIA, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS OPPORTUNITIES, SUBSCRIBERS, OR THE COST OF SUBSTITUTE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES
  • PAYVIA SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM PAYMENT PROCESSING FAILURES, CHARGEBACKS, REFUNDS, FRAUD, DISPUTES, PAYMENT PROVIDER DECISIONS OR OUTAGES, HOSTING PROVIDER OUTAGES, OR THIRD-PARTY SERVICE DISRUPTIONS
  • OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, WHETHER IN CONTRACT, TORT, OR OTHERWISE, SHALL NOT EXCEED THE GREATER OF (A) THE FEES ACTUALLY PAID BY YOU TO PAYVIA IN THE SIX (6) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100)

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. The limitations in this section apply even if a limited remedy fails of its essential purpose. Nothing in these Terms limits liability that cannot be limited under applicable law (such as liability for gross negligence, willful misconduct, death or personal injury caused by negligence, or fraudulent misrepresentation).

25. Indemnification

You agree to indemnify, defend, and hold harmless PayVia, its affiliates, officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

  • Your use of the Services
  • Your Customer Data, end-user data, products, or services
  • Your violation of these Terms or of any applicable law, regulation, or third-party agreement (including the terms of a payment provider)
  • Your violation of any intellectual property, privacy, publicity, or other right of a third party
  • Any dispute between you and your end-users, including refund, chargeback, or consumer protection claims
  • Any tax obligation arising from your sales, even if PayVia has assisted in the technical processing of the transaction

We will promptly notify you of any claim for which indemnification is sought and will reasonably cooperate with your defense. You may not settle any claim in a manner that imposes liability on or requires an admission from PayVia without our prior written consent.

26. Export Controls & Sanctions

You represent and warrant that: (a) you are not located in, under the control of, or a national or resident of, any country subject to comprehensive sanctions imposed by Israel, the United States, the United Kingdom, or the European Union; (b) you are not listed on any restricted-party list, including the U.S. OFAC Specially Designated Nationals list, the EU Consolidated List, or the UK Sanctions List; and (c) you will not use the Services in violation of any applicable export control, trade sanction, or anti-boycott law.

27. Force Majeure

Neither party shall be liable for any failure or delay in performance caused by events beyond its reasonable control, including natural disasters, earthquakes, floods, fires, pandemics, war, armed conflict, terrorism, civil unrest, cyberattacks, government actions, embargoes, utility failures, power outages, internet backbone disruptions, or third-party service failures (including payment provider, hosting, and authentication provider outages). The affected party will use reasonable efforts to mitigate the impact and resume performance as soon as practicable.

28. Assignment

You may not assign, transfer, or delegate these Terms or any of your rights or obligations under them, in whole or in part, without our prior written consent. Any attempted assignment in violation of this section is void. PayVia may assign or transfer these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, reorganization, sale of assets, or change of control. These Terms bind and benefit the parties and their permitted successors and assigns.

29. Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Israel, without regard to its conflict of law principles. The United Nations Convention on Contracts for the International Sale of Goods (CISG) does not apply.

Before initiating any formal proceeding, the parties agree to attempt in good faith to resolve the dispute through direct negotiation for at least thirty (30) days after written notice of the dispute. If the dispute is not resolved within that period, the competent courts located in Tel Aviv-Jaffa, Israel shall have exclusive jurisdiction, and both parties submit to their personal jurisdiction and venue.

Limitation of actions: Any claim or cause of action arising out of or related to the Services or these Terms must be filed within one (1) year after the cause of action accrued, or it is permanently waived, unless a longer period is required by non-waivable applicable law.

30. Notices & Electronic Communications

You consent to receive notices, disclosures, agreements, and other communications from PayVia electronically, including by email to your registered account address, by in-app notification, by dashboard banner, or by posting to our website. Such electronic communications satisfy any legal requirement that the communication be in writing.

Legal notices to PayVia must be sent in writing to payvia@asia-digital.online with the subject line "Legal Notice". Notices sent to any other address or channel may not be treated as valid legal notice.

31. Changes to These Terms

We may modify these Terms from time to time. Material changes will be communicated at least fourteen (14) days in advance via email to your registered account address and through a prominent notice in the dashboard. Non-material updates (such as clarifications, typo corrections, or changes required by law) may take effect immediately and will be reflected in the "Last updated" date at the top of this page. Your continued use of the Services after the effective date constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Services and close your account before the effective date.

32. Severability & Waiver

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect. Our failure to enforce any right or provision will not be deemed a waiver of that right or provision. A waiver is effective only if it is in writing and signed by an authorized representative of PayVia.

33. Entire Agreement

These Terms, together with our Privacy Policy and any additional terms applicable to specific Services, plans, or Beta Features, constitute the entire agreement between you and PayVia regarding your use of the Services, and supersede all prior or contemporaneous communications, proposals, and understandings, whether electronic, oral, or written.

34. Contact

If you have questions about these Terms of Service, please contact us at payvia@asia-digital.online or visit our contact page.