Last updated: [8/29/2025]

Welcome to ProPay AI, Inc (“Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your use of our website, products, and services (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you may not use our Services.

1. Eligibility
You must be at least 18 years old (or the age of majority in your jurisdiction) to use our Services. By using our Services, you represent and warrant that you meet these requirements.

2. Accounts

• You may need to create an account to access certain features.

• You are responsible for maintaining the confidentiality of your account credentials.

• You agree to notify us immediately of any unauthorized use of your account.

3. Use of Services
You agree to use our Services only for lawful purposes and in compliance with all applicable laws. You must not:

• Use the Services in a way that could damage or impair them.

• Attempt to gain unauthorized access to any part of the Services.

• Use the Services to transmit spam, malware, or other harmful content.

4. Intellectual Property
All content, trademarks, logos, and materials on our Services are the property of ProPay AI, Inc or our licensors. You may not copy, modify, distribute, or exploit our content without prior written permission.5. Payments and Subscriptions (if applicable)

• Fees for paid Services will be clearly stated at the time of purchase.

• All payments are non-refundable except as required by law.

• We may change our pricing at any time, but changes will not affect existing subscriptions until renewal.

6. Third-Party Links
Our Services may contain links to third-party websites. We are not responsible for the content, policies, or practices of any third-party sites.

7. Disclaimers
Our Services are provided “as is” and “as available.” We make no warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability
To the fullest extent permitted by law, ProPay AI, Inc and its affiliates shall not be liable for any indirect, incidental, or consequential damages arising out of your use of the Services.

9. Indemnification
You agree to indemnify and hold harmless ProPay AI, Inc, its officers, employees, and affiliates from any claims, damages, or expenses arising from your use of the Services or violation of these Terms.

10. Termination
We may suspend or terminate your access to the Services at any time, with or without cause or notice.11. Governing Law
These Terms are governed by and construed under the laws of [Insert Jurisdiction], without regard to conflict of law principles.

12. Changes to Terms
We may update these Terms from time to time. The updated version will be posted with a new “Last Updated” date. Continued use of our Services constitutes acceptance of the revised Terms.

13. Contact Us
If you have any questions about these Terms, please contact us at:

ProPay AI, Inc
Email: ops@pro-pay.ai