Terms and Conditions

1. Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you and Felloh Ltd (trading as AcquirerFlow) regarding your use of our payment orchestration platform and services. By accessing or using our services, you agree to be bound by these Terms.

2. Services Description

AcquirerFlow provides payment orchestration services that enable businesses to integrate with multiple payment acquirers through a single API. Our services include payment routing, transaction management, analytics, and related features as described in our documentation.

3. Account Registration

To use our services, you must:

• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Be at least 18 years old and have legal authority to enter into contracts
• Notify us immediately of any unauthorized access to your account
• Accept responsibility for all activities under your account

4. Acceptable Use

You agree not to:

• Use our services for illegal activities or prohibited transactions
• Attempt to circumvent security measures or access unauthorized systems
• Interfere with or disrupt the integrity of our platform
• Use automated systems to access our services without permission
• Resell or redistribute our services without authorization
• Process transactions for high-risk industries without prior approval

5. Payment Terms

5.1 Fees

You agree to pay all applicable fees as specified in your pricing plan. Fees are non-refundable except as required by law or as otherwise stated in these Terms.

5.2 Billing

Fees are billed monthly in advance or based on transaction volume. You authorize us to charge your payment method on file. Failure to pay may result in service suspension or termination.

5.3 Transaction Fees

Payment processing fees charged by acquirers are separate from our platform fees and are your responsibility.

6. Intellectual Property

All rights, title, and interest in our platform, including software, documentation, trademarks, and related intellectual property, remain our exclusive property. You receive a limited, non-exclusive, non-transferable license to use our services in accordance with these Terms.

7. Data and Privacy

Your use of our services is subject to our Privacy Policy. You represent that you have obtained all necessary consents and rights to provide us with data for processing. You remain responsible for compliance with data protection laws applicable to your business.

8. Service Level Agreement

We strive to maintain 99.99% uptime for our platform. Service level commitments and remedies for downtime are specified in your service agreement. Scheduled maintenance is excluded from uptime calculations.

9. Warranties and Disclaimers

We provide our services "as is" without warranties of any kind, express or implied. We do not warrant that our services will be uninterrupted, error-free, or meet all your requirements. We disclaim all implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities. Our total liability shall not exceed the fees paid by you in the 12 months preceding the claim.

11. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, losses, and expenses arising from your use of our services, violation of these Terms, or infringement of third-party rights.

12. Term and Termination

These Terms remain in effect until terminated. Either party may terminate with 30 days' written notice. We may suspend or terminate your access immediately for:

• Breach of these Terms
• Non-payment of fees
• Fraudulent or illegal activity
• Excessive chargebacks or disputes

Upon termination, you remain responsible for all outstanding fees. We will provide reasonable assistance in migrating your data within 30 days of termination.

13. Dispute Resolution

Any disputes arising from these Terms shall be resolved through binding arbitration in accordance with the rules of the London Court of International Arbitration (LCIA). The arbitration shall take place in London, England, and be conducted in English.

14. Governing Law

These Terms are governed by the laws of England and Wales, without regard to conflict of law principles.

15. Changes to Terms

We may modify these Terms at any time. Material changes will be communicated via email or platform notification at least 30 days before taking effect. Continued use of our services after changes constitute acceptance of the modified Terms.

16. Miscellaneous

If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect. These Terms constitute the entire agreement between you and AcquirerFlow regarding our services. No waiver of any term shall be deemed a continuing waiver.

17. Contact Information

For questions about these Terms: