Public offer

1. Subject of the offer

1.1. Payou (hereinafter — the “Platform”) offers the user services providing technical access to the acceptance and processing of payments through third-party operators.

1.2. Payou is not a bank, an electronic money operator or a payment system, and does not receive funds on behalf of users.

2. Acceptance and conclusion of the agreement

2.1. This offer is a public offer. Registration on the website, use of the service or making a payment through Payou shall constitute acceptance.

2.2. From the moment of acceptance, this offer takes effect as an agreement between the user and Payou.

3. Rights and obligations of the parties

• The user shall: provide accurate information, use the service lawfully and comply with the operators' rules.
• The user is entitled to: use the service to accept and make payments through the available operators.
• Payou undertakes to: provide technical access, keep data confidential and give notice of changes to the terms.
• Payou is entitled to: suspend or restrict access in the event of a breach of these terms.

4. Payment procedure

• All payments are made through third-party operators.
• Fees, refunds and timeframes are determined by the rules of the relevant operator.
• Payou is not liable for failures or delays caused by operators or banks.

5. Restrictions on use

• Use of the service for unlawful purposes is prohibited.
• Interference with the operation of the platform's software is prohibited.
• Payou is entitled to restrict access where a breach is suspected.

6. Liability

6.1. Payou bears no liability for the acts and decisions of payment operators, banks or third parties.

6.2. The user is responsible for the lawfulness of the transactions performed and of the information provided.

7. Force majeure

The parties are released from liability for failure to perform their obligations as a result of circumstances beyond their control (force majeure): natural disasters, wars, communication outages, acts of state authorities and the like.

8. Amendment of the terms

Payou is entitled to amend the terms of this offer unilaterally. The new version is published on the website and takes effect upon publication.

9. Term and termination

9.1. This offer remains in force indefinitely until it is withdrawn or replaced by a new version.

9.2. The user may stop using the service at any time.

10. Final provisions

10.1. This offer is governed by the law of the country in which Payou is registered.

10.2. The invalidity of individual provisions shall not affect the validity of the remaining provisions.