Terms of Service

Agreement to Terms

These Terms & Conditions (“Terms”) constitute a legally binding agreement between you (“you”, “your”) and Spay (“Spay”, “we”, “our”, “us”). These Terms govern your access to and use of our website and any related pages, content, forms, demos, or communications (collectively, the “Site”).

By accessing the Site, submitting a form, booking a consultation, or otherwise interacting with Spay, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must discontinue use immediately.

About Spay

Spay is a FinTech technology company providing technology solutions and consultancy to payment companies. Our Site positions Spay as a trusted technology and consultancy partner in the payments and fintech ecosystem.

• Technology solutions for payment companies (architecture, APIs/SDKs, wallets, monitoring, reconciliation).
• White-label payment gateway platform capabilities (customizable solution, onboarding/KYC modules, orchestration, routing, dashboards).
• FinTech & payment consultancy (compliance guidance, technical due diligence, scalability & performance optimization).
• Cross-border payment consultancy (settlement flows, corridor analysis, partner integrations, compliance & risk advisory).
• Technical support & operations (where contracted): integration support, SLA-based production support, incident monitoring.

Intended Audience (B2B)

The Site is intended for business users and B2B audiences. We may refuse or restrict access if we believe your use is not aligned with this purpose.

• Payment Gateway Companies
• PSPs & Aggregators
• FinTech Startups
• Cross-border Payment Providers
• Banks & NBFCs
• Merchants seeking white-label solutions

Use of the Site

You agree to use the Site only for lawful purposes and in a manner consistent with these Terms.

• Do not attempt to gain unauthorized access to systems, servers, APIs, or data.
• Do not misuse forms, contact channels, or booking tools (e.g., spam, false information).
• Do not interfere with the Site’s performance, security, or availability.
• Do not reverse engineer or scrape the Site at scale without written permission.

User Representations

By using the Site, you represent and warrant that:

• Any information you submit is true, accurate, current, and complete.
• You have authority to act on behalf of your organization (if applicable).
• You will comply with applicable laws and regulations.
• You will not access the Site using automated or non-human means in a harmful manner.

Consultations, Proposals, and Engagement Workflow

Spay may provide consultations, solution discussions, proposals, and technical due diligence support. Any commercial engagement (including pricing, scope, timelines, SLAs, or deliverables) will be governed by a separate written agreement (e.g., MSA, SOW, NDA) signed by both parties.

Information on the Site is for general informational purposes and does not constitute a binding offer unless explicitly stated in a signed agreement.

Security and Compliance Context

Spay focuses on security-first, cloud-native, and scalable architectures. We may discuss sensitive operational topics during engagements (e.g., monitoring, routing, reconciliation, risk controls). You agree to share only what is necessary for evaluation and discussion.

If an NDA is executed, confidentiality obligations will be governed by the NDA in addition to these Terms.

Intellectual Property

All content on the Site—including text, visuals, brand elements, and layouts—is owned by Spay or its licensors and is protected by applicable intellectual property laws.

You may view and print pages for internal business evaluation only. You may not copy, distribute, modify, or create derivative works without prior written consent.

Third-Party Links and Tools

The Site may include links to third-party websites or tools (e.g., scheduling, analytics, communications). Spay is not responsible for third-party content, policies, or practices. Your use of third-party services is at your own risk and subject to their terms.

Disclaimers

The Site and its content are provided “as is” and “as available.” While we aim for accuracy and clarity, we do not warrant that the Site will be uninterrupted, error-free, or fully up-to-date at all times.

Spay does not provide legal advice through the Site. Any compliance or regulatory guidance is general and must be validated with qualified professionals for your specific jurisdiction and use case.

Limitation of Liability

To the maximum extent permitted by law, Spay will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Site.

Spay’s total liability for any claim related to the Site will not exceed the amount paid by you to Spay for Site access, which is typically zero, unless otherwise stated in a signed agreement.

Termination

We may suspend or terminate your access to the Site at any time if we believe you have violated these Terms or if your use poses a risk to security, availability, or lawful operations.

Changes to These Terms

We may update these Terms from time to time. The “Last updated” date reflects the latest revision. Continued use of the Site after changes means you accept the updated Terms.

Contact

For questions about these Terms, enterprise engagement workflows, or NDA-first collaboration, contact Spay via the Site contact form or your business channel.

• Subject line suggestion: “Terms Inquiry – Spay”
• Include: name, company, contact details, and your question