Terms and Conditions

Last Updated: February 12, 2025

1. INTRODUCTION

Welcome to 2pay ("we," "our," or "us"). By accessing or using the 2pay application and services, you agree to be bound by these Terms and Conditions ("Terms"). Please read these Terms carefully before using our services.

2. SERVICES DESCRIPTION

2pay is a financial management application that provides:

Smart bill management services
Credit-building solutions
AI-powered financial habit development
Notification management systems
Personal financial coaching through AI technology

3. ELIGIBILITY

To use 2pay, you must:

Be at least 18 years old
Be a legal resident of the United States
Have the capacity to enter into a legally binding agreement
Maintain valid and accurate personal and financial information

4. ACCOUNT REGISTRATION

4.1. To use 2pay, you must create an account by providing:

Valid email address
Personal identification information
Banking information for bill payment services

4.2. You are responsible for:

Maintaining the confidentiality of your account
All activities that occur under your account
Immediately notifying us of any unauthorized use

5. PAYMENT TERMS

5.1. Service Fees:

Subscription fees will be clearly disclosed before purchase
Promotional rates (such as DEAL20) are subject to specific terms
All fees are in USD and subject to change with notice

5.2. Payment Processing:

Secure payment processing through authorized partners
Automatic billing for subscription services
Refund policies as per applicable laws

6. PRIVACY AND DATA PROTECTION

6.1. We collect and process personal information as described in our Privacy Policy, including:

Personal identification information
Financial information
Usage data
Transaction history

6.2. Data Security:

Implementation of industry-standard security measures
Regular security audits and updates
Prompt notification of any security breaches

7. USER RESPONSIBILITIES

Users agree to:

Provide accurate information
Maintain secure account credentials
Use the service for lawful purposes
Not engage in unauthorized access or use
Report suspicious activities

8. SERVICE LIMITATIONS

8.1. Availability:

Services may be temporarily unavailable for maintenance
Access may be restricted based on geographic location
Features may vary based on subscription level

8.2. Third-Party Services:

Some features may rely on third-party services
We are not responsible for third-party service interruptions

9. INTELLECTUAL PROPERTY

9.1. All content and materials available through 2pay are protected by:

Copyright laws
Trademark laws
Other intellectual property rights

9.2. Users may not:

Copy, modify, or distribute our content
Reverse engineer the application
Remove any proprietary notices

10. TERMINATION

We reserve the right to:

Suspend or terminate accounts for violations
Modify or discontinue services with notice
Retain or delete user data per privacy policy

11. DISCLAIMER OF WARRANTIES

Services are provided "as is" without warranties of:

Merchantability
Fitness for a particular purpose
Non-infringement

12. LIMITATION OF LIABILITY

2pay's liability shall be limited to:

The amount paid for services in the past 12 months
Direct damages only
Excluding consequential or indirect damages

13. DISPUTE RESOLUTION

13.1. Any disputes shall be resolved through:

Initial informal negotiation
Mediation if necessary
Binding arbitration as a last resort

13.2. Governing Law:

These Terms are governed by United States law
Jurisdiction in the user's state of residence

14. MODIFICATIONS TO TERMS

We reserve the right to modify these Terms:

With reasonable notice to users
Changes effective upon posting
Continued use constitutes acceptance

15. CONTACT INFORMATION

For questions about these Terms, contact:
hello@2payfi.com

16. SEVERABILITY

If any provision of these Terms is found invalid:

The remaining provisions remain in effect
Invalid provisions shall be replaced with valid ones

By using 2pay, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.