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Terms of Service

Last updated: January 2024

1. Acceptance of Terms

By accessing and using HanuPay's payment processing services ("Services"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

HanuPay provides online payment processing services that enable merchants to accept payments from customers through various payment methods including credit cards, debit cards, digital wallets, and other electronic payment methods.

Our Services Include:

• Payment processing and authorization
• Fraud detection and prevention
• Transaction reporting and analytics
• API integration tools
• Customer support services
• Compliance and security monitoring

3. Eligibility

To use HanuPay services, you must:

• Be at least 18 years old
• Have the legal capacity to enter into contracts
• Operate a legitimate business
• Comply with all applicable laws and regulations
• Provide accurate and complete information during registration

4. Account Registration and Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Notify us immediately of any unauthorized use of your account
• Use strong passwords and enable two-factor authentication when available

5. Acceptable Use Policy

You agree not to use HanuPay services for:

• Illegal activities or transactions
• Adult content or services
• Gambling or gaming activities (where prohibited)
• Sale of controlled substances
• Money laundering or terrorist financing
• Fraudulent or deceptive practices
• High-risk merchant categories as defined by card networks

6. Fees and Pricing

Our fees are clearly outlined in your merchant agreement. You agree to pay:

• Transaction processing fees
• Monthly service fees (if applicable)
• Chargeback fees
• Additional service fees as specified

Fees are subject to change with 30 days' written notice.

7. Data Protection and Privacy

We are committed to protecting your data and maintaining PCI DSS compliance. We:

• Encrypt all sensitive payment data
• Implement industry-standard security measures
• Comply with applicable data protection regulations
• Never store sensitive authentication data

8. Chargebacks and Disputes

You are responsible for handling customer disputes and chargebacks. You agree to:

• Respond promptly to chargeback notifications
• Provide required documentation for dispute resolution
• Maintain adequate reserves for potential chargebacks
• Pay applicable chargeback fees

9. Service Availability

While we strive for 99.9% uptime, we cannot guarantee uninterrupted service. We may temporarily suspend services for:

• Scheduled maintenance
• Emergency security measures
• Compliance with legal requirements
• Technical issues beyond our control

10. Limitation of Liability

HanuPay's liability is limited to the fees paid by you in the 12 months preceding the claim. We are not liable for:

• Indirect, incidental, or consequential damages
• Loss of profits or business opportunities
• Data loss or corruption
• Third-party actions or omissions

11. Indemnification

You agree to indemnify and hold HanuPay harmless from any claims, damages, or expenses arising from:

• Your use of our services
• Violation of these terms
• Infringement of third-party rights
• Your business operations

12. Termination

Either party may terminate this agreement with 30 days' written notice. We may terminate immediately if:

• You violate these terms
• Your account poses a security risk
• Required by law or regulation
• Excessive chargebacks or fraud

13. Governing Law

These terms are governed by the laws of [Jurisdiction] without regard to conflict of law principles. Any disputes will be resolved through binding arbitration.

14. Changes to Terms

We may modify these terms at any time. Material changes will be communicated with 30 days' notice. Continued use of our services constitutes acceptance of the modified terms.

15. Contact Information

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

• Email: legal@hanupay.com
• Phone: +1 (555) 123-4567
• Address: 123 Payment Street, Finance District, NY 10001