The PayPie website https://www.paypie.com (the "Site") is comprised of various web pages operated by PayPie Blockchain Inc. ("PayPie"). PayPie is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of PayPie constitutes your agreement to all such Terms. PayPie provides applications and services owned by PayPie Blockchain, Inc.

Please read these terms carefully, and keep a copy of them for your reference. If you cannot agree to and comply with this Agreement and its requirements, you are expressly prohibited from use of the Site and\or the Services and must exit the Site.

Privacy

Your use of PayPie is subject to PayPie’s Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.

Electronic Communications

Visiting PayPie or sending emails to PayPie constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.

Your account

If you wish to use our site, you will need to provide us with certain information, including information about your identity, finances, and business performance. You will also need to create a user ID and a password for your account. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. With your permission, we may also access your banking information, obtain a credit report, retrieve bank account data, or collect other third party data about you (collectively, the "Personal Information").

You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that PayPie is not responsible for third party access to your account that results from theft or misappropriation of your account. PayPie and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.

PayPie does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use PayPie only with permission of a parent or guardian.

Pricing

PayPie offers a subscription-based service to our users. We may, upon any notice required by applicable laws, change the fees and subscription offerings for the PayPie service at any time or require new fees or charges. Such changes will be effective immediately upon posting on our Website.

Cancellation/Refund Policy

You may cancel your account and/or subscription at any time. No refunds will be issued for accounts canceled after the initial 30-Day money-back guarantee period has expired. You may contact our support with any questions.

Links to third party sites/Third party services

PayPie may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of PayPie and PayPie is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. PayPie is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by PayPie of the site or any association with its operators.

Certain services made available via PayPie are delivered by third party sites and organizations. By using any product, service or functionality originating from the PayPie domain, you hereby acknowledge and consent that PayPie may share such information and data with any third party with whom PayPie has a contractual relationship to provide the requested product, service or functionality on behalf of PayPie users and customers.

No unlawful or prohibited use/Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use PayPie strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to PayPie that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party’s use or experience of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of PayPie or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. PayPie content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of PayPie and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of PayPie or our licensors except as expressly authorized by these Terms.

Use of communication services

The Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service.

By way of example, and not as a limitation, you agree that when using a Communication Service, you will not: defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others; publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information; upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents; upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer; advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages; conduct or forward surveys, contests, pyramid schemes or chain letters; download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner; falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded, restrict or inhibit any other user from using and enjoying the Communication Services; violate any code of conduct or other guidelines which may be applicable for any particular Communication Service; harvest or otherwise collect information about others, including e-mail addresses, without their consent; violate any applicable laws or regulations.

PayPie has no obligation to monitor the Communication Services. However, PayPie reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. PayPie reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

PayPie reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in PayPie’s sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. PayPie does not control or endorse the content, messages or information found in any Communication Service and, therefore, PayPie specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized PayPie spokespersons, and their views do not necessarily reflect those of PayPie.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you upload the materials.

Materials provided to PayPie or posted on any PayPie web page.

PayPie does not claim ownership of the materials you provide to PayPie (including feedback and suggestions) or post, upload, input or submit to any PayPie Site or our associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting PayPie, our affiliated companies and necessary sublicenses permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. PayPie is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in PayPie’s sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

Third Party Accounts

You will be able to connect your PayPie account to third party accounts. Links on the Site to third-party websites and\or software products (such as an ERP or accounting software product that you are using) are provided as a convenience to you. If you use these links or software products, you might leave the Site. Some of the third parties software products may require you to have, and actually be signed-in to, an active user account for such third party software product. By connecting your PayPie account to your third party account, you acknowledge and agree that you are consenting to the continuous release of information about you to others (in accordance with your privacy settings on those third party sites). If you do not want information about you to be shared in this manner, do not use this feature.

International Users

The Service is controlled, operated and administered by PayPie from our offices in Canada. If you access the Service from a location outside the Canada, you are responsible for compliance with all local laws. You agree that you will not use the PayPie Content accessed through PayPie in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

Indemnification

You agree to indemnify, defend and hold harmless PayPie, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorneys' fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. PayPie reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with PayPie in asserting any available defenses.

Site Availability

PayPie shall not be responsible for any disruption to the Site, regardless of length. PayPie will not be liable for losses related to User’s inability to access content due to disruptions of the Site. PayPie shall be excused from its performance of any obligations under this Agreement which are prevented or interfered with due to acts or conditions beyond the reasonable control of PayPie.

Financial Insights, Analytics & Forward looking financial forecasts

Information, and other material available through the Site are furnished "As Is", "at Your Own Risk" and "As Available", without any warranty whatsoever. Although PayPie has attempted to provide accurate Information on the Site, PayPie assumes no responsibility for the accuracy, merchantability or completeness of the Information, Services or other material at the Site. The Information and all other materials on the Site are provided for general information purposes only and do not constitute professional advice of any kind. PayPie does not warrant that the Information will meet user’s requirements and that the operation of the Services will be uninterrupted or error free, or that the Site or the server that makes it available are free of viruses or bugs.

You agree that all financial analysis and outputs as well as the assumptions used to calculate the financial statements provided by the user and via any 3rd party web application such as QuickBooks Online, Xero etc. are not a guaranteed outcome for your business and/or its affiliates. The financial analysis do not guarantee any future financial performance of the business and is estimate only. Any Credit Risk Score calculated via the PayPie is an estimate and not a guarantee to access any kind of credit services.

PayPie web application, analysis, assumptions, calculations, and reporting, are estimate only and not a determination of actual financial health of the business and may or may not conform to all IFRS and GAAP requirements.

It is assumed that the user has a basic understanding of the industry, terminology, and operations of their particular business, as well as a moderate financial acumen. PayPie Blockchain Inc. does not claim to have the same familiarity or day-to day knowledge of the PayPie clients/subscribers business as the client/subscriber does.

Privacy Policy

In addition to reviewing this Agreement, you should also review our Privacy Policy ("Privacy Policy"), which is incorporated by reference into this Agreement, to better understand how we collect and use personal information. Your use of the Site and the Services constitutes your agreement to its terms and conditions.

Liability disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. PAYPIE BLOCKCHAIN INC. AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.

PAYPIE BLOCKCHAIN INC. AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. PAYPIE BLOCKCHAIN INC. AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PAYPIE BLOCKCHAIN INC. AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF PAYPIE BLOCKCHAIN INC. OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME PrROVINCES/STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/access restriction

PayPie reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the Province of British Columbia, and you hereby consent to the exclusive jurisdiction and venue of courts in British Columbia in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and PayPie as a result of this agreement or use of the Site. PayPie’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of PayPie’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by PayPie with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and PayPie with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and PayPie with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

Changes to Terms

PayPie reserves the right, in its sole discretion, to change the Terms under which PayPie is offered. The most current version of the Terms will supersede all previous versions. PayPie encourages you to periodically review the Terms to stay informed of our updates.

Contact Us

PayPie welcomes your questions or comments regarding the Terms using the “Contact us” form on the website.

This terms of Service agreement is effective as of Jan 11, 2018

(This won’t impact your credit score)