Welcome to CAPPAY DOT CASH ("cappay.cash," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of our opportunity-focused payment platform, which enables businesses to capture revenue potential and customers to complete seamless transactions. By accessing or using our services, you agree to be bound by these Terms. If you do not agree, do not use our services.

1. Acceptance of Terms

By using cappay.cash, you acknowledge and agree to comply with these Terms and all applicable laws and regulations. If you are using cappay.cash on behalf of a business entity, you confirm that you have the authority to bind that entity to these Terms.

2. Services Provided

cappay.cash is an intelligent payment platform that facilitates opportunity capture, conversion optimization, and strategic payment processing. We integrate with multiple payment systems and utilize advanced analytics to help businesses maximize their revenue potential.

3. User Responsibilities

• You are responsible for maintaining the security of your account credentials and payment configurations.

• You agree not to use cappay.cash for any illegal, fraudulent, or unauthorized purposes.

• You are solely responsible for all transactions conducted through your account.

• You must ensure the accuracy of payment and business information for optimal opportunity capture.

• If you suspect unauthorized use of your account, notify us immediately at support@cappay.cash

4. Acceptable Use Policy

To maintain a safe and lawful environment, users must adhere to the following guidelines:

Prohibited Activities

Users may not use cappay.cash to:

• Engage in fraud, money laundering, or any illegal financial activities.

• Process payments for illegal, restricted, counterfeit, or stolen goods.

• Facilitate adult content, gambling services, or high-risk financial services.

• Conduct or facilitate any form of cybercrime, hacking, or unauthorized access.

• Engage in activities that promote hate speech, discrimination, or violence.

• Use cappay.cash for deceptive, misleading, or abusive business practices.

• Attempt to manipulate or exploit our opportunity capture algorithms.

User Conduct Restrictions

• Users must not attempt to disrupt or interfere with the platform's operation.

• Users must not engage in abusive behavior, harassment, or threats toward other users or cappay.cash staff.

• Users must not engage in spamming, phishing, or any form of malicious activity.

• Users must not attempt to reverse-engineer our proprietary opportunity capture technology.

Compliance with Laws and Regulations

• Users must comply with all applicable financial, privacy, and consumer protection laws in their jurisdiction.

• Merchants are responsible for ensuring their opportunity capture practices comply with relevant laws and payment processor policies.

Enforcement and Consequences

• cappay.cash reserves the right to suspend or terminate accounts that violate this Acceptable Use Policy without prior notice.

• Users found engaging in prohibited activities may be reported to law enforcement authorities where applicable.

5. Liability Limitations

• Company Liability: CAPPAY DOT CASH, its owners, officers, employees, and affiliates are not liable for any loss, damage, or harm resulting from the use of our platform.

• Third-Party Services: We are not responsible for third-party payment processors, banks, or other services used in connection with cappay.cash.

• User Conduct: Users are fully responsible for their own activities on the platform, including compliance with local laws.

• Opportunity Capture: We are not liable for missed business opportunities or revenue optimization results.

6. Developer and CEO/Owner Liability

• CAPPAY DOT CASH, including its developers, CEO, and owners, is not responsible for any legal actions, damages, or claims arising from misuse or unlawful activity conducted via the platform.

• By using our service, you agree to indemnify and hold harmless CAPPAY DOT CASH and its personnel from any liabilities, costs, or claims.

7. Refund & Cancellation Policy

• How Refunds Are Processed: Customers can request refunds from merchants within an agreed time period, if applicable.

• Timeframe for Refunds: Refund processing times depend on the merchant's refund policy and the payment processor's timeline.

• Conditions for Refunds: Merchants are responsible for setting refund conditions. If a merchant does not explicitly offer refunds, the customer may not be eligible. cappay.cash does not enforce merchant refund policies.

• How Users Can Request Refunds: Customers can contact merchants directly or dispute the transaction through the payment processor if applicable.

8. Account Termination and Abuse Reporting

We reserve the right to terminate or suspend accounts that violate these Terms without prior notice. If you encounter abuse, report it to support@cappay.cash

9. Disclaimer of Warranties

cappay.cash provides its services "as is" and "as available," without any warranties, express or implied. We do not guarantee uninterrupted service, specific revenue capture results, or business opportunity optimization, and we disclaim all warranties of merchantability or fitness for a particular purpose.

10. Indemnification

You agree to indemnify and hold harmless CAPPAY DOT CASH, its owners, directors, employees, and affiliates from any claims, liabilities, damages, losses, and expenses arising from your use of the platform.

11. Intellectual Property Rights

• All content, trademarks, logos, and intellectual property on the cappay.cash platform belong to CAPPAY DOT CASH.

• Users may not copy, distribute, or modify any part of the platform without explicit permission.

• Our opportunity capture technology and related innovations are protected by applicable intellectual property laws.

12. Subscription and Payment Terms

• cappay.cash operates on a subscription model, and users agree to pay all fees associated with their account.

• We reserve the right to change pricing at any time with notice.

• No refunds will be provided for unused subscription periods.

• Failure to make payments may result in account suspension or termination.

13. Data Privacy and Security

• We take data security seriously and implement industry-standard measures to protect user data and business intelligence.

• We utilize advanced encryption and security protocols to protect payment and opportunity data.

• However, we do not guarantee complete security and are not liable for data breaches beyond our control.

14. Limitation of Liability for Service Interruptions

• cappay.cash is not responsible for service disruptions, downtime, or data loss due to server failures, cyber-attacks, or unforeseen technical issues.

• We do not guarantee 100% uptime and are not liable for losses resulting from service outages or opportunity capture system failures.

15. Force Majeure

CAPPAY DOT CASH is not responsible for any failure to perform due to unforeseen circumstances, including but not limited to natural disasters, acts of war, government restrictions, cyberattacks, or technical failures beyond our control.

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes shall be resolved exclusively in the courts of New York, New York.

17. Amendments to Terms

We reserve the right to update these Terms at any time. Continued use of the platform after changes constitutes acceptance of the new Terms.

18. Contact Information

For any inquiries regarding these Terms, please contact us at support@cappay.cash

By using cappay.cash, you acknowledge that you have read, understood, and agree to these Terms and Conditions.