Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User" or "Client") and Next Gen Payon ("Company", "we", "us", or "our"), effective as of September 15, 2025.

By accessing or using our payment processing services, API, dashboard, or any related services (collectively, the "Services"), you agree to be bound by these Terms. If you do not agree to these Terms, do not use our Services.

Our Services are designed to facilitate payment processing and disbursement for businesses. You may use our Services only for lawful purposes and in accordance with these Terms.

You agree not to use the Services:

• For any illegal purpose or to facilitate illegal transactions
• To conduct fraudulent activities or misrepresent information
• To infringe upon intellectual property rights
• To transmit harmful code or interfere with service operations

As a user of our Services, you are responsible for:

• Maintaining accurate account information
• Protecting your account credentials
• Ensuring compliance with applicable laws and regulations
• Promptly reporting any security incidents
• Maintaining sufficient funds for processing fees

Our payment processing services are subject to the following terms:

• Processing fees as specified in your service agreement
• Settlement times based on payment method and risk assessment
• Compliance with payment network rules and regulations
• Chargeback and dispute resolution procedures

To the maximum extent permitted by law, Next Gen Payon shall not be liable for:

• Indirect, incidental, or consequential damages
• Lost profits or business opportunities
• Service interruptions or data loss
• Third-party actions or claims

We collect and process data in accordance with our Privacy Policy and applicable laws:

• Transaction data processing and storage
• Security measures and data protection
• Third-party service provider relationships
• Data retention and deletion procedures

We reserve the right to terminate or suspend your access to the Services:

• For violation of these Terms
• For suspicious or fraudulent activity
• Upon reasonable notice for any reason
• As required by law or regulation