HandyPay
License and Notes

Terms of Service

Last Updated: May 23, 2025

1. Introduction and Acceptance

Welcome to HandyPay ("we," "our," "us," or "Company"). These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "Merchant") and HandyPay governing your access to and use of the HandyPay mobile application, website, and payment processing services (collectively, the "Services").

By downloading, installing, accessing, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must immediately discontinue use of our Services and may not access or use them.

These Terms apply to all users of the Services, including merchants, customers, and any other individuals or entities that access or use our platform. You represent and warrant that you are at least 18 years of age and have the legal capacity to enter into this agreement.

2. Description of Services

HandyPay provides a comprehensive payment processing platform designed specifically for merchants operating in Jamaica. Our Services include:

Our Services are powered by Stripe Connect, a third-party payment processor, and are designed to facilitate secure, efficient payment transactions for micro and small businesses in Jamaica. We act as an intermediary between merchants and payment processors, providing the technology and infrastructure necessary to accept digital payments.

We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time, with or without notice. We do not guarantee that our Services will be available at all times or that they will be error-free or uninterrupted.

3. Account Registration and Eligibility

To use our payment processing Services, you must create an account and complete the merchant onboarding process. You must provide accurate, current, and complete information during registration and maintain the accuracy of such information throughout your use of the Services.

Eligibility Requirements:

Merchant Onboarding: To activate payment processing, you must complete Stripe's merchant onboarding process, which includes:

We reserve the right to reject any application for an account or to suspend or terminate any account at our sole discretion, with or without cause or notice.

4. Payment Processing and Transactions

Transaction Processing: All payment transactions are processed through Stripe Connect. When a customer makes a payment through your HandyPay account, the funds are initially held by Stripe in accordance with their terms and our payout schedule.

Transaction Limits: We may impose transaction limits on your account based on various factors including your account history, verification status, and risk assessment. These limits may be adjusted at our discretion.

Refunds and Chargebacks: You are responsible for handling customer refunds and disputes. Refunds will be processed according to your refund policy and applicable laws. Chargebacks and disputes may result in fees and reserves as determined by Stripe and our policies.

Failed Transactions: We are not responsible for transactions that fail due to insufficient funds, expired payment methods, or other issues beyond our control. You are responsible for verifying that payments have been successfully processed before providing goods or services.

5. Payout Processing

Initial Payout: Your first payout will begin processing 7 days after your account is activated and successfully verified. This initial hold period is required for security and compliance purposes.

Subsequent Payouts: After your first payout, subsequent payouts are typically processed within 2-5 business days, depending on:

Payout Methods: We support payouts to Jamaican bank accounts and Western Union. You are responsible for providing accurate payout information. We are not liable for delays or failures caused by incorrect bank account information.

Reserves: We or Stripe may place reserves on funds in your account based on risk assessment, chargeback history, or other factors. Reserved funds will be released according to the reserve schedule provided to you.

Payout Fees: Standard payout fees may apply depending on your payout method. These fees will be disclosed to you before processing.

6. Fees and Charges

Transaction Fees: HandyPay charges a service fee for each transaction processed through our platform. Our current fee structure is:

In addition to our fees, Stripe's standard processing fees apply. These fees are automatically deducted from each transaction before payout.

Fee Changes: We reserve the right to modify our fee structure at any time. We will provide at least 30 days' notice of any fee increases via email or through the app. Continued use of our Services after the effective date of fee changes constitutes acceptance of the new fees.

Additional Fees: Additional fees may apply for:

All fees are non-refundable except as required by law or as expressly stated in these Terms.

7. Compliance and Regulatory Requirements

Jamaican Regulations: As a payment service provider operating in Jamaica, we comply with all applicable laws and regulations, including but not limited to:

Your Compliance Obligations: You must ensure that your business activities and use of our Services comply with all applicable Jamaican laws and regulations. This includes:

Cooperation with Authorities: We may be required to disclose information about your account or transactions to regulatory authorities, law enforcement, or courts as required by law or court order. You agree to cooperate with any such requests.

Sanctions Compliance: You represent and warrant that you are not subject to any sanctions, embargoes, or other restrictions imposed by the United States, United Nations, European Union, or Jamaica. You will not use our Services to facilitate transactions with sanctioned individuals or entities.

8. Data Protection and Privacy

Privacy Policy: Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to our Privacy Policy.

Payment Data Security: Customer payment data, including credit card numbers and bank account details, is processed securely through Stripe and is not stored on our servers. We do not have access to your full payment credentials. Stripe handles all payment processing in compliance with PCI DSS (Payment Card Industry Data Security Standard) requirements.

Data Security Measures: We implement industry-standard security measures to protect your information, including:

Data Breach: In the event of a data breach that may affect your personal information, we will notify you and relevant authorities as required by law.

Third-Party Services: Your data may be shared with third-party service providers (including Stripe) as necessary to provide our Services. These providers are contractually obligated to protect your data in accordance with applicable laws and our Privacy Policy.

9. Account Security and Responsibilities

Account Credentials: You are solely responsible for maintaining the confidentiality and security of your account credentials, including your username, password, and any two-factor authentication codes. You must immediately notify us of any unauthorized access to or use of your account.

Account Activity: You are responsible for all activities that occur under your account, whether authorized by you or not. We are not liable for any loss or damage arising from unauthorized use of your account.

Account Information: You must provide accurate, current, and complete information during registration and keep your business information, contact details, and bank account information up to date. Failure to maintain accurate information may result in delayed payouts or account suspension.

Account Monitoring: You should regularly review your account activity and transaction history. Report any discrepancies or unauthorized transactions immediately.

Multiple Accounts: You may not create multiple accounts without our prior written consent. We reserve the right to consolidate or close duplicate accounts.

10. Prohibited Activities and Restricted Use

You agree not to use our Services for any illegal, fraudulent, or harmful activities. Prohibited activities include, but are not limited to:

Restricted Businesses: Certain business types may be restricted or require additional verification, including:

Enforcement: We reserve the right to investigate any suspected violation of these Terms and to suspend or terminate your account immediately, without notice, if we determine that you have engaged in prohibited activities. We may also report suspected illegal activities to law enforcement.

11. Intellectual Property

Our Intellectual Property: All content, features, functionality, and technology of our Services, including but not limited to text, graphics, logos, icons, images, software, and code, are owned by HandyPay or our licensors and are protected by copyright, trademark, and other intellectual property laws.

License to Use: We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for your business purposes in accordance with these Terms. This license does not include the right to:

Your Content: You retain ownership of any content you submit through our Services. By submitting content, you grant us a worldwide, royalty-free, perpetual license to use, reproduce, modify, and display such content as necessary to provide our Services.

Trademarks: "HandyPay" and our logos are trademarks of HandyPay. You may not use our trademarks without our prior written consent.

12. Disclaimers and Limitations of Liability

Service Availability: Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our Services will be uninterrupted, error-free, or completely secure.

Third-Party Services: Our Services rely on third-party providers, including Stripe, banks, and telecommunications providers. We are not responsible for the availability, performance, or actions of these third parties.

Limitation of Liability: To the maximum extent permitted by law, HandyPay, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising out of or relating to your use of our Services.

Maximum Liability: Our total liability to you for any claims arising from or related to our Services shall not exceed the total fees you paid to us in the twelve (12) months preceding the claim.

Force Majeure: We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, internet failures, or government actions.

13. Indemnification

You agree to indemnify, defend, and hold harmless HandyPay, its officers, directors, employees, agents, and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

We reserve the right to assume exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claims.

14. Termination

Termination by You: You may terminate your account at any time by contacting us at support@tryhandypay.com or through the app settings. Upon termination, you will remain responsible for all outstanding fees and charges.

Termination by Us: We may suspend or terminate your account immediately, with or without notice, if:

Effect of Termination: Upon termination:

Survival: Sections of these Terms that by their nature should survive termination will survive, including but not limited to Sections 6 (Fees), 8 (Data Protection), 12 (Disclaimers), 13 (Indemnification), and 15 (Dispute Resolution).

15. Dispute Resolution

Informal Resolution: We encourage you to contact our support team first to resolve any issues or disputes amicably. Most concerns can be resolved quickly and satisfactorily through direct communication.

Governing Law: These Terms shall be governed by and construed in accordance with the laws of Jamaica, without regard to its conflict of law provisions.

Jurisdiction: Any disputes arising from or relating to these Terms or our Services shall be subject to the exclusive jurisdiction of the courts of Jamaica. You consent to the personal jurisdiction of such courts.

Class Action Waiver: You agree that any disputes will be resolved on an individual basis and waive any right to participate in a class action lawsuit or class-wide arbitration.

Time Limitation: Any claim or cause of action arising out of or related to these Terms or our Services must be filed within one (1) year after such claim or cause of action arose, or be forever barred.

16. Updates to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

Material changes will take effect 30 days after notice is provided, unless a shorter period is required by law or for security reasons. Non-material changes will take effect immediately upon posting.

Your continued use of our Services after changes take effect constitutes acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using our Services and may terminate your account.

17. General Provisions

Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and HandyPay regarding your use of our Services and supersede all prior agreements and understandings.

Severability: If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect.

Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

Assignment: You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms without restriction.

Relationship: These Terms do not create a partnership, joint venture, employment, or agency relationship between you and HandyPay.

Notices: Notices to you may be sent to the email address associated with your account or posted in the app. Notices to us should be sent to support@tryhandypay.com.

Language: These Terms are written in English. Any translations are provided for convenience only, and the English version shall govern in case of discrepancies.

18. Customer Responsibilities and Obligations

Customer Relations: You are solely responsible for your relationship with your customers. We are not a party to any transaction between you and your customers, and we do not guarantee the performance of either party.

Customer Disputes: You are responsible for resolving any disputes with your customers directly. We may provide tools to assist with dispute resolution, but we are not obligated to mediate or resolve disputes between you and your customers.

Refund Policies: You must maintain and clearly communicate your refund and return policies to your customers. You are responsible for processing refunds in accordance with your policies and applicable laws.

Customer Data: You are responsible for obtaining all necessary consents from your customers for the collection, use, and processing of their personal information in connection with our Services. You must comply with all applicable data protection laws when handling customer data.

Tax Obligations: You are solely responsible for determining and paying all applicable taxes, including income tax, sales tax, value-added tax (VAT), and any other taxes or fees that may apply to your transactions. We may provide tax reporting information, but we do not provide tax advice.

Record Keeping: You must maintain accurate and complete records of all transactions processed through our Services for at least seven (7) years, or as required by applicable law. You must provide such records to us or regulatory authorities upon request.

19. Service Modifications and Updates

Service Changes: We reserve the right to modify, update, or discontinue any aspect of our Services at any time, with or without notice. This includes changes to features, functionality, user interface, and technical specifications.

App Updates: We may release updates to our mobile application that may add, modify, or remove features. You are responsible for keeping your app updated to the latest version. Continued use of outdated versions may result in limited functionality or security vulnerabilities.

Beta Features: We may offer beta or experimental features that are still under development. These features are provided "as is" and may be modified or discontinued at any time. Use of beta features is at your own risk.

Service Interruptions: We may temporarily suspend or interrupt our Services for maintenance, updates, security reasons, or due to circumstances beyond our control. We will make reasonable efforts to minimize disruptions, but we do not guarantee uninterrupted service.

Deprecation: We may deprecate features or functionality with reasonable notice. We will provide at least 90 days' notice for material deprecations, except when required for security or legal compliance reasons.

20. Technical Support and Service Levels

Support Availability: We provide technical support during our standard business hours, which are Monday through Friday, 9:00 AM to 5:00 PM Jamaica Time (JST), excluding Jamaican public holidays.

Support Channels: Support is available through email at support@tryhandypay.com. We aim to respond to support inquiries within 48 hours during business days.

Service Level Agreement: While we strive to maintain high availability, we do not guarantee specific uptime percentages or service levels. Our Services are provided on a best-effort basis.

Self-Service Resources: We may provide documentation, FAQs, tutorials, and other self-service resources to help you use our Services. These resources are provided for informational purposes only and do not constitute professional advice.

Escalation: For urgent matters affecting your ability to process payments, you may request escalation through our support channels. We will prioritize critical issues but cannot guarantee immediate resolution.

21. Marketing and Communications

Marketing Communications: By using our Services, you consent to receive marketing communications from us, including newsletters, promotional offers, and product updates. You may opt out of marketing communications at any time by following the unsubscribe instructions in our emails or by contacting us.

Transactional Communications: You cannot opt out of transactional communications, including payment confirmations, account notifications, security alerts, and important service updates.

Use of Your Name: We may use your business name and logo in our marketing materials, website, and customer lists to indicate that you use our Services, unless you request otherwise in writing.

Testimonials: We may request testimonials or case studies from you. If you provide such content, you grant us permission to use it in our marketing materials with attribution to you.

Email and SMS: We may send you communications via email or SMS. Standard message and data rates may apply for SMS. You are responsible for any charges from your mobile carrier.

22. Feedback and Suggestions

Feedback Submission: We welcome feedback, suggestions, and ideas about our Services. You may submit feedback through our support channels or within the app.

No Obligation: We are under no obligation to implement, develop, or respond to any feedback you provide. We may use your feedback without compensation or attribution to you.

Ownership: By submitting feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate your feedback into our Services without any obligation to you.

Confidentiality: Feedback is not considered confidential. Do not submit any proprietary, confidential, or sensitive information as feedback.

23. Export Controls and International Trade

Export Compliance: Our Services may be subject to export control laws and regulations. You agree to comply with all applicable export control laws, including those of Jamaica, the United States, and other jurisdictions.

Restricted Use: You may not use our Services if you are located in, or are a national or resident of, any country subject to comprehensive sanctions, or if you are on any restricted party list.

Prohibited Transactions: You may not use our Services to facilitate transactions involving goods or services that are subject to export restrictions or embargoes.

Compliance: You represent and warrant that you are not subject to any export restrictions and that your use of our Services complies with all applicable international trade laws.

24. Third-Party Services and Integrations

Third-Party Services: Our Services may integrate with or link to third-party services, websites, or applications. We do not control or endorse these third-party services and are not responsible for their content, privacy practices, or terms of service.

Stripe Integration: Our payment processing is powered by Stripe Connect. Your use of Stripe's services is also subject to Stripe's terms of service and privacy policy. We are not responsible for Stripe's actions or policies.

Third-Party Fees: Third-party services may charge their own fees. You are responsible for any fees charged by third-party services you choose to use in connection with our Services.

API Access: We may provide application programming interfaces (APIs) that allow you to integrate our Services with your own systems or third-party services. API access is subject to separate terms and usage limits.

No Warranty: We make no warranties regarding third-party services or integrations. Your use of third-party services is at your own risk.

25. Business Continuity and Disaster Recovery

Business Continuity: We maintain business continuity and disaster recovery plans to minimize service disruptions. However, we cannot guarantee that our Services will be available during natural disasters, cyberattacks, or other emergencies.

Data Backup: While we maintain backups of our systems, you are responsible for maintaining your own backups of important business data and transaction records.

Service Restoration: In the event of a service disruption, we will work to restore services as quickly as possible, but we do not guarantee specific recovery timeframes.

Force Majeure: We are not liable for service disruptions caused by events beyond our reasonable control, including natural disasters, war, terrorism, pandemics, government actions, or failures of third-party infrastructure.

26. Account Verification and Identity

Identity Verification: We may require you to verify your identity at any time, including by providing government-issued identification, proof of address, or other documentation.

Business Verification: If you operate a business, we may require business registration documents, tax identification numbers, and other business verification documents.

Ongoing Verification: We may periodically request updated verification documents to ensure your account information remains current and accurate.

Verification Delays: Failure to provide requested verification documents may result in delayed payouts, account restrictions, or account suspension.

Third-Party Verification: We may use third-party services to verify your identity. By using our Services, you consent to such verification processes.

27. Risk Management and Fraud Prevention

Fraud Detection: We employ automated and manual fraud detection systems to identify and prevent fraudulent transactions. These systems may flag or block transactions that appear suspicious.

Account Monitoring: We continuously monitor accounts for suspicious activity, including unusual transaction patterns, chargeback rates, and compliance issues.

Risk Assessment: We may assess the risk level of your account based on various factors, including transaction volume, chargeback history, business type, and other risk indicators.

Account Holds: We may place holds on funds or restrict account functionality if we detect suspicious activity or if your account poses a risk to us or other users.

Investigation: We may investigate any transaction or account activity that we deem suspicious. During an investigation, we may temporarily restrict your account or hold funds.

Cooperation: You must cooperate with any fraud investigation and provide requested information promptly. Failure to cooperate may result in account termination.

28. Chargebacks and Disputes

Chargeback Process: Chargebacks occur when a customer disputes a transaction with their bank or card issuer. We will notify you of any chargebacks affecting your account.

Chargeback Fees: Chargebacks may result in fees charged to your account. These fees are non-refundable, even if the chargeback is later reversed.

Chargeback Response: You are responsible for responding to chargebacks and providing evidence to support your position. We may assist with the chargeback process, but you are ultimately responsible for the outcome.

Chargeback Limits: Excessive chargebacks may result in account restrictions, increased reserves, or account termination. We may set chargeback thresholds based on your transaction volume and risk profile.

Dispute Resolution: For disputes with customers, we recommend resolving them directly with the customer before they escalate to a chargeback. We may provide tools to facilitate dispute resolution.

Chargeback Reversal: If a chargeback is reversed in your favor, we will credit the disputed amount back to your account, minus any applicable fees.

29. Reserves and Holds

Reserve Accounts: We or Stripe may require you to maintain a reserve account to cover potential chargebacks, refunds, or other liabilities. Reserve requirements are determined based on risk assessment.

Reserve Amounts: Reserve amounts may be a percentage of your transaction volume or a fixed amount. Reserve requirements may change based on your account performance and risk factors.

Reserve Release: Reserved funds are typically released according to a schedule based on your account history and risk profile. We will notify you of your reserve schedule.

Temporary Holds: We may place temporary holds on funds for various reasons, including suspected fraud, compliance reviews, or high-risk transactions. Holds are typically released within a specified timeframe after resolution.

Reserve Adjustments: We may increase or decrease reserve requirements based on changes in your account risk profile, chargeback rates, or other factors.

30. Currency and Exchange Rates

Supported Currencies: Our Services support transactions in Jamaican Dollars (JMD) and United States Dollars (USD). We may add or remove supported currencies at any time.

Currency Selection: You may select your preferred currency for transactions and payouts. Currency selection may affect processing times and fees.

Exchange Rates: If currency conversion is required, we or our payment processors will apply exchange rates. Exchange rates are determined by market rates and may include a markup. We will disclose applicable exchange rates before processing conversions.

Exchange Rate Fluctuations: Exchange rates fluctuate constantly. We are not responsible for losses resulting from exchange rate fluctuations between the time a transaction is initiated and when it is settled.

Multi-Currency Accounts: If you maintain accounts in multiple currencies, each currency account is subject to separate fees, limits, and payout schedules.

31. Transaction Limits and Restrictions

Transaction Limits: We may impose limits on transaction amounts, transaction frequency, or total transaction volume. These limits may vary based on your account type, verification status, and risk assessment.

Limit Adjustments: Transaction limits may be adjusted at our discretion based on your account history, risk profile, or business needs. You may request limit increases, which are subject to review and approval.

Daily Limits: Daily transaction limits may apply to prevent fraud and manage risk. Limits reset at midnight Jamaica Time (JST).

Monthly Limits: Monthly transaction volume limits may also apply. These limits reset at the beginning of each calendar month.

Limit Exceeded: If you attempt to exceed your transaction limits, the transaction may be declined or held for review. We are not obligated to approve limit increase requests.

32. Mobile Application Terms

App License: We grant you a limited, non-exclusive, non-transferable license to download, install, and use our mobile application on your personal mobile device for your business purposes.

Device Requirements: Our mobile application requires a compatible mobile device and operating system. You are responsible for ensuring your device meets minimum requirements and is kept updated.

App Store Terms: If you download our app from an app store (Apple App Store or Google Play Store), you are also subject to the app store's terms of service. We are not responsible for app store policies or actions.

App Updates: We may require you to update the app to continue using certain features. Failure to update may result in limited functionality or inability to access the Services.

Mobile Data: Use of our mobile application may consume data. You are responsible for any data charges from your mobile carrier.

Location Services: Our app may request access to your device's location services for certain features. You may disable location services, but this may limit functionality.

33. Website and Online Services

Website Access: Our website and online dashboard are provided for your use in managing your account and accessing our Services. We reserve the right to modify or discontinue our website at any time.

Browser Compatibility: Our website is designed to work with modern web browsers. We recommend using the latest versions of Chrome, Firefox, Safari, or Edge for optimal performance.

Cookies: Our website uses cookies and similar technologies to enhance functionality and analyze usage. By using our website, you consent to our use of cookies as described in our Privacy Policy.

Website Content: All content on our website, including text, graphics, logos, and images, is our property or the property of our licensors and is protected by copyright and other intellectual property laws.

34. Beta and Experimental Features

Beta Features: We may offer beta or experimental features that are still under development. These features are provided for testing purposes and may be unstable or incomplete.

No Warranty: Beta features are provided "as is" without warranties of any kind. We make no guarantees about the performance, reliability, or availability of beta features.

Feedback: We may request feedback on beta features. Your use of beta features constitutes consent to provide feedback and allows us to monitor your usage.

Discontinuation: We may modify, suspend, or discontinue beta features at any time without notice. We are not obligated to make beta features generally available.

Data in Beta: Data created or stored using beta features may be lost when features are modified or discontinued. We recommend not relying on beta features for critical business operations.

35. Accessibility

Accessibility Standards: We strive to make our Services accessible to users with disabilities. We aim to comply with applicable accessibility standards and guidelines.

Accessibility Features: Our Services may include accessibility features such as screen reader support, keyboard navigation, and adjustable text sizes. We continuously work to improve accessibility.

Feedback: If you encounter accessibility barriers, please contact us so we can work to address them.

Third-Party Content: We are not responsible for the accessibility of third-party content or services that may be linked from or integrated with our Services.

36. Changes to Services and Pricing

Service Modifications: We reserve the right to modify, enhance, or discontinue any aspect of our Services at any time. We will provide reasonable notice for material changes that adversely affect your use of the Services.

Pricing Changes: We may change our fees and pricing at any time. We will provide at least 30 days' notice of fee increases. Fee decreases may take effect immediately.

Grandfathering: We may, but are not obligated to, grandfather existing users at previous pricing levels for a limited time after pricing changes.

New Features: New features may be introduced with separate pricing or may be included in your existing plan. We will notify you of any additional costs associated with new features.

37. Account Suspension and Investigation

Suspension Rights: We may suspend your account immediately, with or without notice, if we suspect fraud, violation of these Terms, or if your account poses a risk to us or other users.

Investigation Period: During an investigation, we may restrict your account functionality, hold funds, or suspend payouts. Investigations may take several weeks or longer depending on complexity.

Cooperation: You must cooperate fully with any investigation, including providing requested documents, information, and explanations. Failure to cooperate may result in permanent account termination.

Appeal Process: If your account is suspended, you may appeal the decision by contacting our support team and providing additional information or documentation.

Reinstatement: We may reinstate suspended accounts if investigations determine that no violation occurred or if violations have been remedied. Reinstatement is at our sole discretion.

38. Data Portability and Account Closure

Data Export: Upon request, we will provide you with a copy of your account data in a machine-readable format. Data export requests may take up to 30 days to process.

Account Closure: You may close your account at any time by contacting our support team. Account closure is subject to resolution of any outstanding issues, fees, or liabilities.

Data Retention: After account closure, we will retain your data for the period required by law or our business needs, typically seven (7) years for financial records.

Data Deletion: You may request deletion of your personal data, subject to legal and regulatory retention requirements. Some data may be retained for compliance or legal purposes even after account closure.

39. Limitation Periods and Time Bars

Claim Time Limits: Any claim or cause of action arising from or related to these Terms or our Services must be brought within one (1) year after the claim or cause of action arose, or be forever barred.

Discovery Rule: The limitation period begins when you knew or should have known of the claim, not necessarily when the underlying event occurred.

Statutory Exceptions: Some claims may be subject to different limitation periods under applicable law. This section does not limit any rights you may have under mandatory consumer protection laws.

40. Severability and Waiver

Severability: If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.

Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision. Any waiver must be in writing and signed by an authorized representative of HandyPay.

Cumulative Rights: All rights and remedies available to us under these Terms are cumulative and not exclusive of any other rights or remedies available at law or in equity.

41. Entire Agreement and Modifications

Entire Agreement: These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and HandyPay regarding your use of our Services and supersede all prior or contemporaneous agreements, understandings, or communications.

Modifications: These Terms may only be modified as set forth in Section 16 (Updates to Terms). No oral modifications or side agreements are valid unless confirmed in writing by an authorized representative of HandyPay.

Conflicting Terms: If there is a conflict between these Terms and any other agreement or policy, these Terms will govern unless expressly stated otherwise in writing by HandyPay.

42. Assignment and Transfer

Assignment by HandyPay: We may assign, transfer, or delegate these Terms or any of our rights or obligations hereunder to any third party without your consent, including in connection with a merger, acquisition, or sale of assets.

Assignment by You: You may not assign, transfer, or delegate these Terms or any of your rights or obligations hereunder without our prior written consent. Any attempted assignment without consent is void.

Successors: These Terms will be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.

43. Relationship of Parties

Independent Contractors: These Terms do not create a partnership, joint venture, employment, agency, or fiduciary relationship between you and HandyPay. We are independent contractors.

No Agency: Neither party has the authority to bind the other party or to make any representations or warranties on behalf of the other party.

Third-Party Beneficiaries: These Terms are for the benefit of you and HandyPay only. There are no third-party beneficiaries to these Terms.

44. Notices and Communications

Notices to You: We may provide notices to you by:

Notices to Us: Notices to HandyPay must be sent in writing to:

Effective Date: Notices are deemed received when sent (for email) or when delivered (for postal mail). In-app notifications are deemed received when displayed.

Language: All communications will be in English. We are not obligated to provide translations.

45. Language and Translations

English Language: These Terms are written in English. Any translations are provided for convenience only and are not legally binding.

Governing Version: In case of any discrepancy between the English version and any translation, the English version shall govern and prevail.

Translation Errors: We are not responsible for any errors or inaccuracies in translations of these Terms.

46. Electronic Signatures and Records

Electronic Acceptance: By clicking "I Agree," creating an account, or using our Services, you are electronically signing these Terms. Electronic signatures have the same legal effect as handwritten signatures.

Electronic Records: We may maintain records of your transactions and communications in electronic form. Electronic records are admissible as evidence in legal proceedings to the same extent as paper records.

Consent: You consent to receive all communications, notices, and documents electronically. You may request paper copies, but we may charge a fee for providing them.

47. Survival

The following sections will survive termination of these Terms and your use of our Services:

48. Contact Information

If you have any questions, concerns, or complaints about these Terms or our Services, please contact us:

We will respond to your inquiries within a reasonable time frame, typically within 48 hours during business days.

Legal Notices: For legal notices or service of process, please send correspondence to our registered address as provided above.

49. Acknowledgment

By using HandyPay's Services, you acknowledge that:

Last Updated: May 23, 2025
Version: 2.0

By using HandyPay's Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these Terms, you must immediately discontinue use of our Services.