These Terms and Conditions ("Terms") govern your use of the Paying4 website (the "Site") and services provided by 4 Alliance Ltd., trading as Paying4 ("we," "our," or "us"). By creating an account or using our services, you agree to be bound by these Terms.

1. Introduction

4 Alliance Ltd., trading as Paying4, is registered in England and Wales. Our registered address is:

131 Fairfield Road, Droylsden, Manchester, England, M43 6AX

Contact us at help@paying4.com for any questions about these Terms.

2. Our Services

We provide a platform that allows customers to make payments for services and goods offered by third-party merchants. We act as a facilitator between the customer and the merchant but are not a party to the underlying transaction.

3. Account Creation and Security

• To use our services, you must create an account and provide accurate information.
• You are responsible for maintaining the confidentiality of your account login details.
• Any activity conducted through your account is your responsibility.
• We reserve the right to suspend or terminate your account if you violate these Terms.

4. Payment Processing

• Payments are processed by third-party payment providers (Stripe, PayPal, and Wonderful Payments).
• We do not collect or store your credit card or bank details.
• Once a payment is processed, we notify the merchant.
• We are not responsible for issues related to merchant disputes i.e.about goods or services they've supplied.
• Any payment issues (like failed payment or unsupported card) will be dealt with by us in conjunction with our above named payment providers. You can contact us at help@paying4.com quoting your order number and details for further help

5. Use of the Website

By using our website, you agree to:

• Use the site only for lawful purposes.
• Do not attempt to disrupt or damage the website.
• Do not upload or share harmful or offensive or copyrighted content content.
• Provide accurate and up-to-date information when using our services.

6. Limitation of Liability

• We facilitate payments but are not responsible for the quality, delivery, or performance of any goods or services provided by merchants.
• We are not liable for any indirect, incidental, or consequential damages arising from the use of our services.
• Our total liability under these Terms is limited to the total value of the transaction in question.

7. Intellectual Property

• All content on our website, including logos, designs, and text, is the property of 4 Alliance Ltd.
• You may not copy, distribute, or modify our content without written permission.

8. Termination of Accounts

We reserve the right to suspend or terminate your account without notice if you:

• Violate these Terms.
• Engage in fraudulent or unlawful activity.
• Misuse our services or interfere with other users.

9. Data Protection and Privacy

• Your personal data is handled in line with our Privacy Policy and Cookies Policy.
• We collect and process your data to provide services and improve user experience.
• You can manage your data preferences as outlined in our Privacy Policy.

10. Dispute Resolution

• Any disputes will be governed by the laws of England and Wales
• Disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Refund Policy

• We act solely as a facilitator for payments between customers and merchants.
• Refunds are subject to the refund policy of the merchant providing the goods or services.
• If you require a refund, you must contact the merchant directly.
• We will not process refunds unless the payment was made in error due to a system fault on our part. Or the merchant authorizes us to issue the refund.
• The payment was made in error due to a system fault on our part.
• The merchant explicitly authorizes us to issue the refund.
• If a payment error occurs, you must notify us within 14 days of the transaction date.
• In cases where a refund is made, it can take up to s period of 7 days for the funds to return to your account. If it does, please contact us at help@paying4.com.

12. Changes to These Terms

We may update these Terms periodically. Any changes will be posted on our website with the updated date. Your continued use of our services after changes are posted constitutes acceptance of the updated Terms.

13. Contact Information

For any concerns, contact us at: help@paying4.com