Introduction

Welcome to www.payit123.com (the "Website"). These Terms and Conditions (the "Terms") govern your use of the Website and the services provided by FINFORTUNE INTERNATIONAL LIMITED ("Company," "we," "us," or "our"), specializing in consulting about card processing services, onramp, and instant SEPA services (the "Services"). By accessing or using the Website and Services, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please do not use the Website or Services.

Definitions

• "Company," "we," "us," or "our" refers to FINFORTUNE INTERNATIONAL LIMITED.
• "User," "you," or "your" refers to any person or entity using the Website or Services.
• "Services" refers to the consulting services related to card processing, onramp, and instant SEPA services offered by the Company.
• "Website" refers to www.payit123.com.

Use of the Website and Services

1. Eligibility: You must be at least 18 years old to use the Website and Services. By using the Website and Services, you represent and warrant that you meet this requirement. If you are using the Website or Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.
2. Account Registration: To access certain features of the Services, you may be required to register for an account. You agree to:
• Provide accurate, current, and complete information during the registration process.
• Update such information to keep it accurate, current, and complete.
• Maintain the security and confidentiality of your account credentials.
• Notify us immediately of any unauthorized use of your account.
• Take responsibility for all activities that occur under your account.
3. Prohibited Uses: You agree not to use the Website or Services for any unlawful purpose or in any way that could harm, disable, overburden, or impair the Website or interfere with any other party's use and enjoyment of the Website. Prohibited uses include, but are not limited to:
• Engaging in any illegal or fraudulent activities.
• Attempting to gain unauthorized access to the Website, Services, or Company systems.
• Using the Website or Services to transmit any viruses, malware, or other harmful computer code.
• Harvesting or collecting any information from the Website or Services without our consent.
• Impersonating any person or entity or misrepresenting your affiliation with any person or entity.
• Engaging in any conduct that restricts or inhibits any other user from using or enjoying the Website or Services.

Services

1. Consulting Services: The Company provides consulting services related to card processing, onramp, and instant SEPA services. The scope, duration, and specific terms of the consulting services will be agreed upon between you and the Company in a separate agreement.
2. Fees and Payment:
• The fees for the Services will be as agreed upon between you and the Company and will be specified in the relevant agreement or invoice.
• All fees are due and payable as per the terms outlined in the invoice or agreement.
• You are responsible for paying all applicable taxes, duties, or levies imposed by any governmental authority in connection with your use of the Services.
• o In case of late payment, the Company reserves the right to charge interest on the overdue amount at a rate of [interest rate] per month or the maximum rate permitted by law, whichever is lower.
3. No Guarantee: The Company does not guarantee any specific results from the use of the Services. The Services are provided "as is" and "as available," and the Company disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose.
4. Service Availability: While we strive to ensure that the Services are available at all times, we do not guarantee that the Services will be uninterrupted or error-free. We may suspend, withdraw, or restrict the availability of all or any part of the Services for business and operational reasons.

User Content

1. Ownership: You retain ownership of any content that you submit, post, or display on or through the Website or Services ("User Content"). By submitting User Content, you grant the Company a worldwide, non-exclusive, royalty-free, transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the User Content in connection with the Services and the Company's business.
2. Responsibility: You are solely responsible for your User Content. You represent and warrant that:
• You own or have the necessary rights and permissions to use and authorize the Company to use all intellectual property rights in and to any User Content.
• Your User Content does not infringe, misappropriate, or violate any third-party rights, including intellectual property rights, privacy rights, and publicity rights.
• Your User Content complies with these Terms and all applicable laws and regulations.
3. Monitoring and Enforcement: The Company reserves the right, but is not obligated, to:
• Review, remove, or modify any User Content that, in our sole discretion, violates these Terms or is otherwise objectionable.
• Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Website or Services.
• Terminate or suspend access to the Services for violations of these Terms.

Privacy

1. Privacy Policy: Your use of the Website and Services is also governed by our Privacy Policy, which can be found at [link to Privacy Policy]. The Privacy Policy explains how we collect, use, and disclose information about you.
2. Data Protection: We are committed to protecting your privacy and data. By using the Website and Services, you consent to the collection, use, and disclosure of your personal information in accordance with our Privacy Policy.

Third-Party Services

1. Third-Party Links: The Website and Services may contain links to third-party websites or services that are not owned or controlled by the Company. We are not responsible for the content, privacy policies, or practices of any third-party websites or services. You access and use third-party websites or services at your own risk.
2. Third-Party Integrations: The Services may integrate with third-party services to provide certain functionalities. You acknowledge that the Company is not responsible for the availability, accuracy, or performance of third-party services and that your use of such third-party services is governed by the terms and conditions of those third parties.

Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

• Your use or inability to use the Website or Services.
• Any unauthorized access to or use of our servers and/or any personal information stored therein.
• Any interruption or cessation of transmission to or from the Website or Services.
• Any bugs, viruses, trojan horses, or the like that may be transmitted to or through the Website or Services by any third party.
• Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Website or Services.

Indemnification

You agree to indemnify and hold harmless the Company, its officers, directors, employees, and agents, from and against any claims, liabilities, damages, losses, and expenses, including without limitation reasonable legal and accounting fees, arising out of or in any way connected with:

• Your access to or use of the Website or Services.
• Your User Content.
• Your violation of these Terms.
• Your violation of any rights of a third party, including intellectual property rights, privacy rights, or publicity rights.

Termination

1. Termination by You: You may terminate your account at any time by contacting us at [contact email]. Upon termination, you must cease all use of the Website and Services.
2. Termination by Us: We may terminate or suspend your account and access to the Website and Services at our sole discretion, without prior notice or liability, for any reason, including but not limited to a breach of these Terms.
3. Effect of Termination: Upon termination of your account, the Company will disable your access to the Website and Services. All provisions of these Terms which by their nature should survive termination shall survive, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Changes to Terms and Conditions

The Company reserves the right to modify these Terms at any time. Any changes will be effective immediately upon posting on the Website. Your continued use of the Website or Services after any changes constitutes your acceptance of the new Terms. It is your responsibility to review these Terms periodically for updates.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which FINFORTUNE INTERNATIONAL LIMITED is established, without regard to its conflict of law principles. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in that jurisdiction. Miscellaneous

1. Entire Agreement: These Terms constitute the entire agreement between you and the Company regarding the use of the Website and Services and supersede any prior agreements between you and the Company.
2. Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
3. Waiver: No waiver of any term or condition of these Terms shall be deemed a further