Terms of Service

1. Acceptance of Terms

By accessing or using the Polapine Digital payment orchestration platform ("Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Platform. These Terms constitute a legally binding agreement between you ("Merchant," "you," or "your") and Polapine Digital ("Company," "we," "us," or "our").

2. Description of Service

Polapine Digital provides a payment orchestration platform that enables merchants to:

• Route payment transactions across multiple payment gateways and processors
• Accept various payment methods including credit/debit cards, digital wallets (Apple Pay, Google Pay, Cash App), and cryptocurrency
• Utilize smart routing technology to optimize transaction success rates
• Access real-time analytics, reporting, and transaction monitoring
• Generate payment links for invoicing and customer payments
• Connect their own payment gateway API keys (BYOK) or use our integrated infrastructure

We act solely as a technology provider facilitating payment orchestration. We are not a bank, financial institution, money transmitter, or payment processor. We do not process, settle, or hold funds at any point during the transaction lifecycle. Actual payment processing, authorization, settlement, fund custody, and regulatory compliance for payment transactions are performed exclusively by the respective payment gateway providers and acquiring banks connected to our Platform. All liability arising from payment processing, transaction failures, fund settlement delays, unauthorized charges, chargebacks, and regulatory non-compliance rests solely with the applicable payment gateway provider and/or acquiring bank responsible for processing the transaction.

3. Account Registration & Eligibility

To use the Platform, you must:

• Be at least 18 years of age or the age of legal majority in your jurisdiction
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Promptly update any changes to your account information
• Accept responsibility for all activities that occur under your account

We reserve the right to refuse service, terminate accounts, or cancel transactions at our sole discretion if we believe you are in violation of these Terms or applicable laws.

4. Fees & Payments

By using the Platform, you agree to pay all applicable fees as outlined in your selected pricing plan. Fees may include:

• Transaction processing fees (percentage-based)
• Security deposit requirements (fully refundable per plan terms)
• Withdrawal/payout fees
• Any additional service fees as disclosed at the time of use

We reserve the right to modify our fee structure with prior notice. Continued use of the Platform after fee changes constitutes acceptance of the new fees.

5. Security Deposits

Certain pricing plans require a security deposit to access the Platform. Security deposits are:

• 100% refundable upon account closure in good standing
• Subject to deductions for outstanding chargebacks, disputes, or unpaid fees
• Non-transferable between accounts
• Held as security against potential losses, fraud, or policy violations

6. Merchant Obligations

As a merchant using our Platform, you agree to:

• Comply with all applicable laws, regulations, and card network rules
• Not use the Platform for any illegal, fraudulent, or prohibited activities
• Provide accurate product/service descriptions to your customers
• Handle customer disputes and refund requests in good faith
• Maintain reasonable fraud prevention measures on your end
• Not exceed the transaction volume limits of your selected plan
• Not process transactions for prohibited business categories

7. Prohibited Activities

You may not use the Platform to process payments for:

• Illegal goods or services in any applicable jurisdiction
• Money laundering, terrorist financing, or sanctions violations
• Fraudulent, deceptive, or misleading transactions
• Transactions that violate payment network rules (Visa, Mastercard, etc.)
• Any activity that could damage, disable, or impair the Platform
• Unauthorized access attempts or security breaches

8. Chargebacks & Disputes

You are solely responsible for all chargebacks and payment disputes related to your transactions. We may:

• Deduct chargeback amounts and associated fees from your balance or security deposit
• Suspend or terminate your account for excessive chargeback rates
• Require additional security deposits for high-risk transaction patterns
• Withhold payouts pending dispute resolution

9. Payouts & Withdrawals

Payouts are processed according to your plan's terms and are subject to:

• Minimum payout thresholds as specified in your pricing plan
• Processing timelines (24-48 hours depending on plan)
• Verification and fraud checks
• Available payout methods: Bank Transfer, PayPal, USDT (Crypto)

We reserve the right to delay or withhold payouts if we suspect fraudulent activity, excessive chargebacks, or Terms violations.

10. Intellectual Property

All content, features, and functionality of the Platform (including but not limited to software, text, graphics, logos, and APIs) are owned by Polapine Digital and protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Platform solely for its intended purpose.

11. Limitation of Liability

To the maximum extent permitted by law:

• The Platform is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, whether express, implied, or statutory
• We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to payment transactions
• Our total aggregate liability shall not exceed the Platform service fees (excluding transaction amounts) paid by you in the preceding 12 months
• We are not responsible or liable for any actions, omissions, failures, delays, errors, or policies of third-party payment processors, gateway providers, acquiring banks, card networks, or issuing banks
• We do not guarantee uninterrupted, error-free, or secure service
• We bear no liability for transaction declines, processing errors, settlement delays, fund holds, account freezes, or any other actions taken by payment gateway providers
• All claims, disputes, and liabilities arising from the actual processing of payments, including but not limited to unauthorized transactions, fraud, data breaches at the processor level, and regulatory penalties, are the sole responsibility of the respective payment gateway provider

11A. Payment Gateway Provider Liability

You acknowledge and agree that:

• Polapine Digital is exclusively a payment orchestration technology provider (SaaS) and does not process, authorize, settle, or custody any payment transactions or funds
• All payment processing liability, including liability for transaction errors, unauthorized charges, data security during processing, PCI-DSS compliance at the processing level, fund settlement, and regulatory compliance, rests entirely with the third-party payment gateway provider(s) handling each transaction
• Any claims related to payment processing failures, declined transactions, held funds, delayed settlements, frozen accounts, or lost funds must be directed to the applicable payment gateway provider, not to Polapine Digital
• Polapine Digital shall not be joined as a party to any dispute between you and a payment gateway provider regarding payment processing matters
• You waive any and all claims against Polapine Digital arising from the acts or omissions of payment gateway providers connected to the Platform
• By using the Platform, you acknowledge that your contractual relationship for payment processing is directly with the payment gateway provider(s), and Polapine Digital merely provides the technology layer for routing and orchestration

12. Indemnification

You agree to indemnify, defend, and hold harmless Polapine Digital, its officers, directors, employees, and agents from any and all claims, damages, losses, liabilities, or expenses (including reasonable legal fees and costs) arising from or related to:

• Your use of the Platform and any transactions routed through it
• Violation of these Terms or any applicable law or regulation
• Infringement of any third-party rights
• Any claims brought by your customers, end-users, or any third party relating to payment transactions processed by payment gateway providers
• Any regulatory action, fine, or penalty arising from your payment processing activities, which are the responsibility of you and your payment gateway provider(s)
• Any disputes between you and your payment gateway provider(s)

This indemnification obligation shall survive the termination of your account and these Terms.

13. Termination

Either party may terminate this agreement at any time. Upon termination:

• Your access to the Platform will be revoked
• Outstanding balances will be paid out after a holding period for potential chargebacks
• Security deposits will be refunded minus any outstanding obligations
• You must cease all use of our APIs, branding, and intellectual property

We may terminate or suspend your account immediately for violations of these Terms without prior notice.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Platform. Your continued use after modifications constitutes acceptance of the updated Terms. We will make reasonable efforts to notify you of material changes via email or Platform notifications.

15. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws. Any disputes arising from these Terms or your use of the Platform shall be resolved through binding arbitration, except where prohibited by law.

16. Contact Information

For questions about these Terms of Service, please contact us at:

• Email: support@pd.cash
• Website: pd.cash