EziPay Terms and Conditions
Effective Date: August 25, 2026
Last Updated: August 25, 2026

1. Introduction
These Terms and Conditions (“Terms”) govern your access to and use of the websites, applications, business portals, commerce tools, invoicing solutions, merchant tools, payment technology, APIs, and other products and services provided by EziPay Inc. (“EziPay,” “we,” “us,” or “our”) that reference these Terms (collectively, the “Services”).
By creating an EziPay account, accessing the Services, or using any EziPay product or feature, you agree to be bound by these Terms and our Privacy Policy.
If you do not agree to these Terms, you should not access or use the Services.

2. About EziPay
EziPay is a technology platform providing payment, commerce, invoicing, merchant, and business software solutions.
Depending on the Services available to you, EziPay may provide access to:

• Payment technology and payment interfaces;

• Merchant payment tools;

• Business payment solutions;

• Digital commerce functionality;

• Invoicing and Open Invoice tools;

• Payment links;

• QR-based payment functionality;

• Business and merchant portals;

• Customer account functionality;

• Transaction and payment records;

• Reporting and reconciliation tools;

• Merchant management tools;

• API and software integrations; and

• Other technology-enabled business services.

Certain functionality accessible through EziPay may rely on independent payment processors, financial institutions, mobile wallet providers, commerce providers, or other authorized third-party service providers.
Where applicable, third-party providers are responsible for providing their respective services according to their own terms, privacy policies, agreements, and legal or regulatory obligations.

3. Eligibility
To create or use an EziPay account, you must:

• Have the legal capacity to enter into a binding agreement;

• Provide accurate and complete information;

• Use the Services only for lawful purposes; and

• Satisfy any additional eligibility requirements applicable to the particular Service you wish to use.

If you are using EziPay on behalf of a company, organization, merchant, or other legal entity, you represent that you have authority to bind that entity to these Terms.
Certain Services may have additional eligibility requirements.

4. Account Registration
Some EziPay Services require an account.
When registering, you agree to provide information that is accurate, current, and complete.
You are responsible for keeping your account information updated.
EziPay may request additional information or documentation when reasonably necessary to:

• Verify your identity;

• Verify a business or organization;

• Confirm your authority to act on behalf of a business;

• Protect your account;

• Review account activity;

• Prevent unauthorized activity;

• Satisfy applicable requirements; or

• Determine eligibility for particular Services.

Providing false, misleading, incomplete, or fraudulent information may result in limitations or termination of access to the Services.

5. Account Security
You are responsible for maintaining the confidentiality and security of your account credentials.
You agree to:

• Use a strong and unique password;

• Protect authentication codes and security credentials;

• Prevent unauthorized access to your account;

• Maintain accurate contact information;

• Review account activity when appropriate; and

• Notify EziPay promptly if you suspect unauthorized access or misuse.

You are responsible for activity conducted through your account to the extent permitted by applicable law.
EziPay representatives will not ask you to disclose your account password.

6. EziPay Services
The availability of specific Services may depend on your account type, business type, location, technical configuration, eligibility, or the availability of supporting service providers.
Features may include payment interfaces, merchant tools, commerce functionality, invoicing, payment links, QR-based payment functionality, business portals, reporting, APIs, and related software functionality.
Not every feature is available to every user or business.
EziPay may add, modify, suspend, or discontinue features as permitted by applicable law and these Terms.

7. Payment Technology and Third-Party Providers
Certain EziPay Services allow users and businesses to interact with payment functionality supported by independent service providers.
Depending on the applicable feature, these providers may include:

• Payment processors;

• Financial institutions;

• Mobile wallet providers;

• Commerce providers; and

• Other authorized service providers.

Use of functionality supported by a third-party provider may be subject to that provider's separate terms, eligibility requirements, privacy practices, processing requirements, fees, and restrictions.
EziPay does not control every decision made independently by third-party providers.
A third-party provider may decline, delay, restrict, reverse, or otherwise affect activity according to its own policies, legal obligations, risk controls, or technical requirements.

8. Payment Activity
When using payment functionality available through EziPay, you are responsible for reviewing all information before confirming an activity.
This may include:

• Amount;

• Currency;

• Merchant;

• Invoice;

• Order;

• Payment method;

• Applicable fees;

• Reference information; and

• Other transaction details.

Once an activity has been submitted, it may not always be possible to cancel or modify it.
Completion may depend on the applicable payment provider, merchant, business, financial institution, mobile wallet provider, or other service provider.
A status displayed within EziPay may reflect information received from or associated with the applicable provider.

9. Fees
Certain EziPay Services may be subject to fees.
Applicable fees may be:

• Displayed before confirmation;

• Presented within the applicable product or interface;

• Described in a pricing schedule;

• Established in a merchant or business agreement; or

• Otherwise disclosed before or in connection with use of the applicable Service.

You are responsible for reviewing applicable fees before confirming an activity.
Fees may vary based on the Service, payment method, merchant arrangement, provider, currency, or other relevant factors.
EziPay may update its fees from time to time. Changes will apply prospectively and will be communicated or displayed as required by applicable law.

10. Invoices and Open Invoice
EziPay may provide invoicing tools that allow businesses to create, issue, organize, track, and manage invoices.
Businesses are responsible for:

• The accuracy of invoice information;

• Products or services described on invoices;

• Prices and taxes;

• Customer information;

• Refund policies;

• Delivery obligations;

• Legal disclosures; and

• Compliance with applicable laws.

EziPay's provision of invoice technology does not make EziPay a party to the underlying commercial agreement between a business and its customer unless expressly stated otherwise.
A dispute concerning the quality, delivery, condition, legality, or description of goods or services generally remains between the customer and the applicable merchant or business.

11. Payment Links and QR Functionality
EziPay may allow businesses to generate payment links, QR codes, or similar digital payment interfaces.
Users are responsible for verifying the merchant, amount, invoice, order, or other relevant information before confirming payment activity.
Merchants must not use EziPay payment links, QR codes, or similar functionality in a misleading, deceptive, unlawful, or unauthorized manner.
EziPay may disable links, QR functionality, merchant functionality, or associated features when reasonably necessary to protect users, maintain platform security, enforce these Terms, or satisfy applicable requirements.

12. Commerce Services
EziPay may provide tools that facilitate digital commerce interactions between businesses and customers.
Unless expressly stated otherwise, the merchant or seller—not EziPay—is responsible for:

• Products and services offered;

• Product descriptions;

• Pricing;

• Inventory;

• Taxes;

• Fulfillment;

• Shipping;

• Delivery;

• Returns;

• Refund policies;

• Customer service;

• Product warranties; and

• Compliance with laws applicable to its business.

EziPay's provision of technology does not create ownership of or responsibility for a merchant's products or services.

13. Merchant and Business Accounts
Businesses and merchants using EziPay must provide accurate information and operate in accordance with applicable laws and these Terms.
EziPay may require additional documentation concerning:

• Business registration;

• Ownership;

• Authorized representatives;

• Business activities;

• Products or services;

• Tax identification;

• Website or online presence;

• Expected platform activity; or

• Other information reasonably necessary to support the business relationship.

Merchants are responsible for the activities of their employees, representatives, and authorized users.

14. API and Developer Services
EziPay may provide APIs, developer tools, credentials, documentation, or integration capabilities.
Developers and businesses using these Services must:

• Protect API credentials;

• Follow applicable documentation;

• Implement reasonable security measures;

• Access only authorized data;

• Respect applicable rate limits;

• Protect customer information;

• Comply with applicable laws; and

• Avoid activity that could damage or interfere with EziPay systems.

API credentials may not be sold, disclosed, shared, or provided to unauthorized persons.
EziPay may restrict or revoke API access when reasonably necessary for security, compliance, operational, or contractual reasons.

15. Acceptable Use
You may use EziPay only for lawful and authorized purposes.
You may not use the Services to:

• Engage in fraud or deceptive activity;

• Impersonate another person or business;

• Provide false or misleading information;

• Access another person's account without authorization;

• Circumvent account or security controls;

• Manipulate platform functionality;

• Abuse refunds, disputes, or payment mechanisms;

• Conduct unauthorized transactions;

• Distribute malicious software;

• Attempt unauthorized access to EziPay systems;

• Interfere with platform availability or security;

• Infringe intellectual property rights;

• Facilitate unlawful activity;

• Violate applicable laws or regulations; or

• Use the Services in a manner that creates unreasonable security, legal, operational, or financial risk.

EziPay may investigate suspected violations of these Terms.

16. Restricted Activities and Businesses
Certain activities, products, services, or business categories may be prohibited or restricted from using some or all EziPay Services.
Restrictions may result from:

• Applicable law;

• Service-provider requirements;

• Payment-provider requirements;

• Security considerations;

• Risk considerations; or

• EziPay policies.

EziPay may request additional information regarding a user's or merchant's business activities before providing or continuing access to certain Services.
Eligibility for one EziPay Service does not guarantee eligibility for every Service.

17. Security and Account Reviews
EziPay may review account or platform activity when reasonably necessary to:

• Protect users;

• Protect merchants;

• Verify information;

• Investigate unusual activity;

• Prevent unauthorized activity;

• Maintain platform security;

• Enforce these Terms; or

• Satisfy applicable legal or service-provider requirements.

During a review, EziPay may request additional information or documentation.
Where reasonably necessary, access to certain functionality may be temporarily limited while the review is completed.
Failure to provide requested information may affect the availability of certain Services.

18. Unauthorized or Suspicious Activity
If you believe your EziPay account has been accessed or used without authorization, you should contact EziPay promptly.
EziPay may take reasonable measures to protect an affected account, including:

• Requiring additional authentication;

• Resetting credentials;

• Limiting certain functionality;

• Requesting additional verification;

• Reviewing relevant activity; or

• Taking other reasonable security measures.

You agree to cooperate with reasonable requests relating to security investigations.

19. Refunds, Reversals, and Disputes
Refunds, reversals, disputes, or similar adjustments may depend on the applicable merchant, business, payment method, service provider, and circumstances.
Where a merchant is responsible for providing goods or services, that merchant is generally responsible for its applicable refund and return policies.
Third-party providers may also apply their own dispute, reversal, refund, or adjustment procedures.
EziPay may provide technical or customer-support assistance regarding activity displayed through the platform but does not guarantee the outcome of a dispute handled independently by another provider.

20. Taxes
You are responsible for determining and satisfying taxes applicable to your use of the Services, business activities, purchases, sales, invoices, or other commercial activities.
Businesses and merchants are responsible for calculating, collecting, reporting, and remitting taxes where required by applicable law.
EziPay does not provide tax advice unless expressly agreed otherwise in writing.

21. Communications and Electronic Notices
By creating an account or using the Services, you agree that EziPay may provide communications electronically as permitted by applicable law.
These communications may include:

• Account notices;

• Security notifications;

• Transaction or payment notifications;

• Service announcements;

• Verification requests;

• Customer support communications;

• Policy updates;

• Legal notices; and

• Other communications relating to the Services.

You are responsible for maintaining accurate contact information.

22. Privacy
Your privacy is important to EziPay.
Our collection, use, disclosure, retention, and protection of personal information is described in the EziPay Privacy Policy.
By using the Services, you acknowledge the privacy practices described in that policy.

23. Intellectual Property
The EziPay platform and its associated technology, software, interfaces, designs, graphics, trademarks, logos, content, documentation, APIs, and other materials are owned by or licensed to EziPay and are protected by applicable intellectual property laws.
Subject to these Terms, EziPay grants you a limited, non-exclusive, non-transferable, revocable right to access and use the Services for their intended purposes.
You may not:

• Copy or reproduce EziPay software except as permitted;

• Reverse engineer the Services except where such restriction is prohibited by law;

• Remove proprietary notices;

• Misuse EziPay trademarks;

• Sell unauthorized access to the Services;

• Create unauthorized derivative works; or

• Use EziPay intellectual property in a misleading or unlawful manner.

No ownership rights are transferred to you under these Terms.

24. Feedback
If you provide ideas, suggestions, comments, or feedback regarding EziPay products or Services, you grant EziPay permission to use that feedback to improve, develop, or operate its products and Services without an obligation to compensate you, except where prohibited by applicable law.

25. Third-Party Services
The EziPay platform may contain links to or integrations with services operated independently by third parties.
EziPay does not control and is not responsible for the independent operation, content, policies, availability, or practices of those third-party services.
Your use of a third-party service may be governed by separate terms and privacy policies.
You should review those terms before using the applicable service.

26. Service Availability
EziPay works to maintain reliable Services but does not guarantee uninterrupted or error-free availability.
Services may occasionally be unavailable because of:

• Maintenance;

• Software updates;

• Infrastructure issues;

• Internet or telecommunications failures;

• Third-party service interruptions;

• Security incidents;

• Events outside EziPay's reasonable control; or

• Other technical or operational circumstances.

EziPay may modify or perform maintenance on the Services when reasonably necessary.

27. No Guarantee of Third-Party Availability
Certain EziPay functionality depends on third-party systems or providers.
EziPay does not guarantee that any particular third-party payment method, financial institution, mobile wallet provider, commerce provider, or other external service will remain available.
The availability and operation of those services may change independently of EziPay.

28. Suspension and Termination
EziPay may suspend, restrict, or terminate access to some or all Services where reasonably necessary because of:

• Violation of these Terms;

• Fraudulent or deceptive activity;

• Unauthorized use;

• Security concerns;

• Failure to complete required verification;

• Prohibited business activity;

• Legal requirements;

• Service-provider requirements;

• Material risk to EziPay, users, merchants, or providers; or

• Other circumstances permitted by applicable law.

Where appropriate and legally permitted, EziPay may provide notice regarding a suspension or termination.
You may stop using the Services at any time and may request account closure subject to applicable requirements and unresolved obligations.

29. Effect of Account Closure
Closing an EziPay account does not automatically eliminate obligations or records that arose before closure.
EziPay may retain information and records as described in our Privacy Policy and as required or permitted by applicable law.
Provisions of these Terms that by their nature should survive termination will continue to apply after account closure.

30. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
EZIPAY DISCLAIMS WARRANTIES THAT ARE NOT EXPRESSLY PROVIDED IN THESE TERMS, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE EXTENT SUCH DISCLAIMERS ARE PERMITTED BY LAW.
Nothing in these Terms excludes warranties or rights that cannot legally be excluded.

31. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, EZIPAY WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO YOUR USE OF THE SERVICES.
EZIPAY WILL NOT BE RESPONSIBLE FOR LOSSES CAUSED SOLELY BY:

• Independent third-party services;

• Merchant conduct;

• User error;

• Unauthorized activity resulting from a user's failure to protect credentials;

• Internet or telecommunications failures outside EziPay's reasonable control; or

• Events outside EziPay's reasonable control.

Nothing in these Terms limits liability that cannot lawfully be limited or excluded.

32. Indemnification
To the extent permitted by applicable law, business and merchant users agree to indemnify and hold harmless EziPay and its officers, directors, employees, and affiliates from claims, liabilities, damages, losses, and reasonable expenses arising from:

• Their unlawful use of the Services;

• Their violation of these Terms;

• Their products or services;

• Their violation of third-party rights; or

• Their violation of applicable law.

This section applies only to the extent enforceable under applicable law.

33. Governing Law
These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-law principles, except where applicable law requires otherwise.
Any rights or remedies provided by mandatory consumer-protection laws remain unaffected.

34. Disputes
Before initiating formal legal proceedings, you and EziPay agree to make a reasonable effort to resolve disputes informally where appropriate.
You may contact EziPay with a description of the issue and relevant account or activity information.
Nothing in this section prevents either party from seeking relief where immediate legal action is reasonably necessary or where applicable law provides otherwise.

35. Changes to the Services
EziPay may update, modify, add, or discontinue features of the Services as our technology, products, business practices, legal requirements, or provider relationships evolve.
Where required by applicable law or agreement, we will provide appropriate notice of material changes.

36. Changes to These Terms
EziPay may update these Terms periodically.
When changes are made, the “Last Updated” date at the top of these Terms will be revised.
Where required by applicable law, EziPay may provide additional notice regarding material changes.
Your continued use of the Services after updated Terms become effective constitutes acceptance of those Terms to the extent permitted by applicable law.

37. No Waiver
If EziPay does not immediately enforce a provision of these Terms, that does not constitute a waiver of our right to enforce that provision later.
Any waiver must be made in accordance with applicable law.

38. Severability
If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue in effect to the fullest extent permitted by law.
The affected provision will be interpreted or modified only to the extent necessary to make it enforceable where permitted.

39. Entire Agreement
These Terms, together with the EziPay Privacy Policy and any additional terms or agreements applicable to a particular Service, constitute the agreement between you and EziPay regarding your use of the applicable Services.
Specific merchant, API, business, or product agreements may contain additional terms.
If there is a conflict between these Terms and a specific written agreement governing a particular EziPay Service, the specific agreement will control with respect to that Service.

40. Contact EziPay
Questions regarding these Terms or the EziPay Services may be directed to:
EziPay Inc.
Email: support@ezipayglobal.com
Website: www.ezipayglobal.com
When contacting us regarding an account or transaction, please provide sufficient information for us to identify and respond to your request securely.