These Terms of Service (the “Terms”) govern your use of PayTree (the “Service”), operated by [COMPANY LEGAL NAME] (“PayTree,” “we,” “us”). By creating an account or using the Service, you agree to these Terms.
1. Who can use PayTree
You must be at least 18 years old and able to form a binding contract. The Service is intended for use in the United States.
If you use the Service for a business, you confirm that you have authority to bind that business to these Terms.
2. What PayTree does
PayTree lets you build a public page that lists the ways people can pay you, such as Cash App, Venmo, PayPal, Zelle, Apple Cash, Chime, ACH bank transfer, wire transfer, check by mail, Stripe, Square, Wise, cryptocurrency and links to other payment pages, and share that page with a single link.
3. We do not handle your money
PayTree is not a bank, payment processor or money transmitter. We do not receive, hold, transmit, convert or refund funds. When someone pays you, the payment happens directly between them and the third-party service or network they choose, under that provider’s terms.
We are not a party to any transaction between you and the people who pay you. We are not responsible for disputes, chargebacks, failed payments or payments sent to the wrong place.
[CONFIRM: this section assumes PayTree never touches funds. If that changes, review it with counsel before launch.]
4. Your account
When you create an account, you agree to:
- give accurate information and keep it up to date;
- keep your sign-in details secure and tell us right away about unauthorized use;
- choose a username that does not impersonate anyone or infringe anyone’s rights;
- accept responsibility for everything that happens under your account.
Some usernames are reserved for the Service. We may reclaim a reserved or abandoned username [USERNAME POLICY].
5. The payment details you publish
You decide which payment details appear on your page. Anything you add can be seen by anyone who has your link, and the copy buttons give visitors the full value, including a complete bank account number if you add one.
You are responsible for entering correct details. We are not liable for payments sent to an account that is wrong, outdated or closed. Publish only details you are comfortable sharing publicly, and consider using accounts set up for receiving payments.
6. Subscriptions and billing
PayTree is a paid subscription: $4.99 per month or $39.99 per year, plus any applicable taxes. Billing is handled by [BILLING PROVIDER].
Your subscription renews automatically at the end of each billing period until you cancel. You can cancel at any time from your account settings. Cancellation takes effect at the end of the current period, and you keep access until then.
We will tell you before a price change takes effect. Refunds: [REFUND POLICY].
7. Acceptable use
You agree not to use the Service to:
- collect money through fraud, deception or false pretenses;
- impersonate a person, business or charity;
- sell or promote illegal goods or services, or anything the payment providers you list prohibit;
- harass, threaten or infringe the rights of others, or publish someone else’s payment details without permission;
- probe, scrape, overload or bypass the limits of the Service.
We may remove content or suspend pages that violate this section. Report abuse to [ABUSE REPORT EMAIL].
8. Payment risks
Payments made with some methods, including Zelle, Apple Cash, ACH, wire transfers, checks and cryptocurrency, can be difficult or impossible to reverse. Verify the recipient before you send money.
Cryptocurrency must be sent on the network shown on the page. Funds sent on a different network can be lost permanently. Links to other websites are added by the page owner, are not reviewed by PayTree, and open sites we do not control.
9. Your content and our property
You keep ownership of what you add to your page. You give us a limited, worldwide license to host, display and process it only to run the Service.
PayTree, its design and its software belong to us and our licensors. These Terms give you no rights to them except to use the Service.
10. Analytics on your page
The Service shows you aggregated statistics about visits and taps on your page. Our Privacy Policy explains what we collect from visitors. You agree not to use the Service to identify individual visitors.
11. Suspension and termination
You may delete your account at any time. We may suspend or end your access if you break these Terms, create risk or legal exposure for us or others, or, after reasonable notice, for any other reason. Sections that by their nature should continue after termination will continue.
12. Disclaimers
The Service is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We do not promise that the Service will be uninterrupted or error-free.
13. Limitation of liability
To the fullest extent permitted by law, PayTree and its owners, employees and suppliers are not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, data or funds.
Our total liability for any claim is limited to the greater of the amount you paid us in the 12 months before the claim or $100. Some states do not allow certain limits, so parts of this section may not apply to you.
14. Indemnification
You agree to defend and indemnify us against claims, losses and expenses, including reasonable attorneys’ fees, that arise from your content, your use of the Service, or your violation of these Terms or of anyone’s rights.
15. Disputes and governing law
These Terms are governed by the laws of [GOVERNING STATE], without regard to conflict-of-law rules.
Before filing a claim, you agree to contact us at [CONTACT EMAIL] and try to resolve the issue informally for 30 days. A claim that is not resolved will be brought in the state or federal courts located in [VENUE COUNTY, STATE].
[OPTIONAL, ATTORNEY TO DECIDE: binding individual arbitration and a class-action waiver.]
16. Changes to these Terms
We may update these Terms. If a change is material, we will notify you by email or in your dashboard before it takes effect. Using the Service after that means you accept the updated Terms.
17. Contact us
[COMPANY LEGAL NAME], [MAILING ADDRESS]. Email: [CONTACT EMAIL].