Welcome to iPay Digital. We developed this software to make it easier for you to accept checks from your customers so you can focus on your own product or service. We are a subscription service that provides our customers access to software that verifies certain checking account information such as routing numbers and allows our clients to print checks. We are not a check processing company and in no way do we handle any transfer of funds. WE DO NOT GUARANTEE ANY CHECK WILL CLEAR AND WE ARE NOT LIABLE OR ACCOUNTABLE FOR ANY BANK FEES.

The Terms of Service described hereto constitute a legal agreement (“Agreement”) between the legal entity listed as the “Merchant” on the Application page (sometimes referred to as “you,” “your,” and/or “user”) and iPay Digital , . (“iPay Digital” ).

These Terms of Service govern your use of our ”Service.” As used in these Terms of Service, “Service” means the service provided by iPay Digital for verifying certain checking account information, including all features and functionalities, website, and user interfaces, as well as all content and software associated with our service.

Section A: The iPay Digital Service

• Acceptance of Terms of Service

These Terms of Service, which include our Privacy Policy govern your use of the iPayDigital service. By using the iPay Digital service, you accept and agree to these Terms of Service. If you do not agree to these Terms of Service, do not use the iPay Digital service. By electing to use our service you hereby agree to these Terms of Service.

• Changes to Terms of Service

iPay Digital may, from time to time change these Terms of Service. Such revisions shall be effective immediately; provided however, for existing customers, such revisions shall, unless otherwise stated, be effective 30 days after posting.

• Privacy

Personally identifying information is subject to our Privacy Policy , the terms of which are incorporated herein. You acknowledge that you have received, read in full, and agree with the terms of our Privacy, linked to and incorporated into this Agreement by reference.

• Use of Service

Unauthorized Account Activities. By using our service, Merchant is completely and solely responsible for any and all activities which occur under Merchant’s account whether authorized or unauthorized. Merchant agrees to notify iPay Digital immediately of any unauthorized use of Merchant’s account or any other breach of security known or should be known by Merchant.

Fraudulent Check Requests. By using our service, Merchant agrees that any and all financial institution information, account number and routing number are true and correct. In no event shall iPay Digital be criminally or civilly liable for any fraudulent checks whatsoever.

Non-sufficient Funds. By using our service, Merchant is completely and solely responsible for any and all financial institution accounts information that is provided to iPay Digital to perform Merchant’s requested service to have sufficient funds to cover the check that has been generated by iPay Digital. In no event shall iPay Digital be liable for any NSF fees or any other administrative or punitive fees incurred by any financial institution where a check(s) that has been delivered to Merchant or to Merchant’s financial institution and has been returned due to non-sufficient funds.

• Use of Dwolla Platform

In order to use the payment functionality of our Services, you must open a “Dwolla Platform” account provided by Dwolla, Inc. and you must accept the D​wolla Terms of Service​ and P​rivacy Policy . Any funds held in the Dwolla account are held by Dwolla’s financial institution partners as set out in the ​Dwolla Terms of Service . ​ You authorize us to share your identity and account data with Dwolla for the purposes of opening and supporting your Dwolla account, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla account through our Service and Dwolla account notifications will be sent by us, not Dwolla. We will provide customer support for your Dwolla account activity, and can be reached at ipaydigital.com, support@ipaydigital.com

• For Users Only Receiving Funds

By using our Service, you expressly authorize Dwolla, Inc. to originate credit transfers to your financial institution account.

• Restricted Use

As a condition of Merchant’s use of iPay Digital’ services, Merchant agrees not to provide any information that is unlawful, illegal, harmful, threatening, abusive, harassing, degrading, defamatory, libelous, infringing, discriminatory, prejudice, invasive and/or exploitive to any other persons or entities in any way. Merchant agrees not to obtain or attempt to obtain any materials and/or information through and by any means non-intentionally made available, disclosed or provided through iPay Digital’s services. Merchant agrees to use iPay Digital’s services for its sole intended purposes. In no event shall Merchant use iPay Digital’s services in a manner that will violate any local, state, federal or international law, rules and regulations in regards to unauthorized disclosure of any 3rd party personal private information, such as name, address, SSN, DOB or financial information, etc. In the event Merchant violates this provision, Merchant shall protect, defend, indemnify and hold harmless, iPay Digital, Inc. from and against any and all loss, damage, injury, liability, judgments and claims thereof arising out of, connected with, incident to, or otherwise directly or indirectly resulting from Merchant’s violation of this provision. In addition, Merchant shall not resell or make any commercial use of the Service without the express written consent of iPay Digital.

Further, you shall not interfere with the proper functioning of the Service; make any automated use of the system, or take any action that we deem to impose or to potentially impose an unreasonable or disproportionately large load on our servers or network infrastructure; bypass any robot exclusion headers or other measures we take to restrict access to the Service or use any software, technology, or device to scrape, spider, or crawl the Service or harvest or manipulate data; or publish or link to malicious content intended to damage or disrupt another user’s browser or computer.

In addition to all other legal rights, iPay Digital reserves the right to remove any content at any time with or without notice to you or others. Further, iPay Digital may suspend or terminate your use of the Service at any time with or without notice.

• Fraud Controls

IPay Digital is responsible for protecting the security of Data in our possession and will maintain commercially reasonable administrative, technical, and physical procedures to protect all the personal information regarding you and your customers that is stored in our servers from unauthorized access and accidental loss or modification. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use such personal information for improper purposes. You acknowledge that you provide this personal information regarding you and your customers at your own risk. We recommend that you review our Privacy Policy which will help you understand how we collect, use and safeguard the information you provide to us.

• Passwords &Account Access

You agree not to give or make available your password or other means to access your account You are responsible for any and all transactions on or under your account, and for all uses of the Service with your password. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission you must notify us at once at 888-998-2439.

• Copyright Complaints and Copyright Agent

(a) Termination of Repeat Infringer Accounts. iPay Digital respects the intellectual property rights of others and requests that the users do the same. iPay Digital has adopted and implemented a policy that provides for the termination in appropriate circumstances of users of the Service who are infringers. iPay Digital may terminate access for participants or users who are found to provide or post protected third-party content without necessary rights and permissions.

(b) DMCA Take-Down Notices. If you are a copyright owner or an agent thereof and believe, in good faith, that any materials provided on the Service infringe upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act by sending the following information in writing to: iPay Digital at Miami, FL, USA.

• The date of your notification;
• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• A description of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online website are covered by a single notification, a representative list of such works at that website;
• A description of the material that is claimed to be infringing or to be the subject of infringing activity and information sufficient to enable us to locate such work;
• Information reasonably sufficient to permit the service provider to contact you, such as an address, telephone number, and/or email address;
• A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

(c) Counter-Notices. If you believe that your User Content that has been removed from the website is not infringing, or that you have the authorization from the copyright owner, the copyright owner ‘s agent, or pursuant to the law, to post and use the content in your User Content, you may send a counter-notice containing the following information to iPay Digital,Miami, FL, USA.

• Your physical or electronic signature;
• A description of the content that has been removed and the location at which the content appeared before it was removed;
• A statement that you have a good faith belief that the content was removed because of mistake or a misidentification of the content; and
• Your name, address, telephone number, and email address, a statement that you consent to the jurisdiction of the federal courts in California and a statement that you will accept service of process from the person who provided notification of the alleged infringement.

If a counter-notice is received by iPay Digital, iPay Digital may send a copy of the counter-notice to the original complaining party informing such person that it may reinstate the removed content in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may (in iPay Digital’s discretion) be reinstated on the website in 10 to 14 business days or more after receipt of the counter-notice.

• Commercially Reasonable Effort and No Guarantee
  

Due to circumstances beyond our control, particularly delays in handling and posting Bill Payments by the Payee or financial institutions, some Bill Payment transactions may take longer to be credited to your account. We will bear no responsibility for any late payment related charges due to the actions of others or that are outside of our direct or indirect control. You agree that this website is being offered as a service only. You acknowledge and agree that we will take commercially reasonable steps to ensure the validity of each check you enter into/through our website. We do not guarantee funds and if funds are not available when processed through your financial institution it is your sole responsibility to collect said funds. In addition, we do not guarantee that once funds have been verified that the status of your client’s bank/financing account will not change prior to the withdrawal or depositing of funds. We do not process ACH transactions. By accepting this Agreement, you acknowledge and agree that all checks are processed directly to your client’s banking/financing institution by demand drafts, or sent to the address you provided for your customer, as directed by you.

• NACHA Compliance
  

In order to provide ACH, check processing and other related services in accordance with applicable rules and regulation, the parties hereto agree as follows. You agree to comply with all rules at the time each entry is initiated by you with respect to NACHA’s most recent guidelines and that each entry shall in no way breach any federal, state, or local statute of regulation pertaining to and for electronic funds transfers and/or electronic check re-presentment, including the Electronic Funds Transfer Act and Regulation E, and all such other laws and regulations including the Operating Rules of NACHA.

• Disclosures and Notices
  

You agree that iPay Digital can provide disclosures and notices regarding the Service to you by posting such disclosures and notice to our website, emailing them to the email address listed in your iPay Digital Account, or by mailing them to the address listed in your iPay Digital account. You also agree that electronic disclosures and notices have the same meaning and effect as if we had provided you with a paper copy. Such disclosures and notices shall be considered to be received by you within 24 hours of the time it is posted to our website or emailed to you unless we receive notice that the email was not delivered.

Section B: Membership, Free Trials, Billing, &Cancellation

• Ongoing Membership
  

Your iPay Digital membership, which may start with a free trial, will continue month-month unless and until you cancel your membership or we terminate it. You must provide us with a current, valid, accepted method of payment (as such may be updated from time to time, “Payment Method”) to use the iPay Digital Service. We will bill the monthly membership fee to your Payment Method. You must cancel your membership before it renews each month in order to avoid billing of the next month’s membership fees to your Payment Method.

• Free Trials
  

Your iPay Digital membership may start with a free trial. For combinations with other offers, restrictions may apply. Free trials are for new customers only. iPay Digital reserves the right, in absolute discretion, to determine your free trial eligibility.

We will begin billing your Payment Method for monthly membership fees at the end of the free trial period of your membership unless you cancel prior to the end of the free trial period. We may authorize your Payment Method through various methods, including authorizing it up to approximately one month of service as soon as you register.

You will not receive a notice from us that your free trial period has ended or that the paying portion of your membership has begun. CLICK FAQ UNDER THE “HOW DO I CANCEL?” TAB FOR INSTRUCTIONS ON HOW TO CANCEL. OR, SEND AN EMAIL TO SUPPORT@IPAYDIGITAL.COM INDICATING YOUR DESIRE TO CANCEL. We will continue to bill your Payment Method on a monthly basis for your membership fee until you cancel by providing at least thirty (30) days’ prior written notice to iPay Digital at support@ipaydigital.com.

• Free Trials
  

– Recurring Billing. By starting your iPay Digital membership and providing or designating a Payment Method, you authorize us to charge you a monthly fee at the then current rate plus any other charges you may incur in connection with your use of the iPay Digital service to your Payment Method. You acknowledge that the amount billed each month may vary from month to month for reasons that may include differing amounts due to promotion offers, changing or adding a plan, or exceeding your prepaid number of checks, and you authorize us to charge your Payment Method for such varying amounts, which may be billed monthly in one or more charges.

– Price Changes. We reserve the right to adjust pricing for our service or any components thereof in any manner and at any time as we may determine in our sole and absolute discretion. Except as otherwise expressly provide for in these Terms of Service, we agree to provide prior written notice of any and all price changes. Your continued use of the Service(s) after receipt of such notification will constitute your acceptance of the price changes in such notification.

– Billing Cycle. The membership fee for our Service will be billed at the beginning of the paying portion of your membership and each month thereafter unless and until you cancel your membership as indicated above. We automatically bill your Payment Method each month on the calendar day corresponding to the commencement of your paying membership. We reserve the right to change the timing of our billing, in particular, as indicated below, if your Payment Method has not successfully settled. As used in these Terms of Service, “billing” shall indicate a charge, debit or other payment clearance, as applicable, against your Payment Method. Unless otherwise stated different, month or monthly refers to your billing cycle.

– The fees we charge for using our Service are listed on the website. We may change our fees from time to time by posting the changes on the website 14 days in advance. You must have a payment method on file and pay all fees and applicable taxes associated with our Service by the payment due date. If your payment method fails or your account is past due, we may (i) immediately suspend or permanently terminate your use of the Service, (b) collect fees owed by charging other payment methods on file with us, and (iii) retain collection agencies and legal counsel. In addition, you will be subject to late fees.

• No Rollover
  

Each membership plan includes a prepaid number of checks/verifications per 30-day period. We do not offer refunds for unused checks or rollover unused checks for future periods.

• No Refunds
  

PAYMENTS ARE NONREFUNDABLE AND THERE ARE NO REFUNDS OR CREDITS FOR PARTIALLY USED PERIODS.

• Payment Methods
  

You may edit your Payment Method information by visiting our website and clicking on the “Your Account” link. If a payment is not successfully settled, due to expiration, insufficient funds, or otherwise, and you do not edit your Payment Method information or cancel your account, you remain responsible for any uncollected amounts and authorize us to continue billing the Payment Method, as it may be updated. This may result in a change to your payment billing dates.

• Cancellation
  

You may cancel your iPay Digital membership at anytime upon written notice to iPay Digital. WE DO NOT PROVIDE REFUNDS FOR ANY PARTIAL-MONTH MEMBERSHIP PERIODS OR PERIODS WITH UNUSED CHECKS. TO CANCEL, CLICK FAQ UNDER THE “HOW DO I CANCEL?” TAB FOR INSTRUCTIONS ON HOW TO CANCEL, OR SEND AN EMAIL TO SUPPORT@ipaydigital.com INDICATING YOUR DESIRE TO CANCEL.

Section C: License, Termination, and Other General Legal Terms

• License to Use the Service &Trademarks
  

iPay Digital grants you a personal, limited, revocable, non-exclusive, non-transferrable license, without the right to sublicense, to electronically access and use iPay Digital Service solely to verify and print a prepaid number of checks in a manner consistent with this Agreement and any other relevant documentation provided to you. The Service includes our website, software, documentation, tools, Internet based services, components, images, and any updates thereto provided to you by iPay Digital. We may terminate this license at any time.

• Ownership
  

The Service is licensed and not sold. We reserve all rights not expressly granted to you in this Agreement. The Service is protected by copyright, trade secret and other intellectual property laws. We own all interest, title, and other worldwide IP Rights (as defined below) in the Service and all copies of the Service. All content included or available on iPay Digital’s website, including site design, text, graphics, illustrations, interfaces, and the selection and arrangements thereof is the property of iPay Digital, with all rights reserved with respect to copyrights and trademarks. Any use of materials on iPay Digital’s website, including reproduction for purposes other than those noted above, modification, distribution, or replication, any form of data extraction or data mining, or other commercial exploitation of any kind, without prior written permission and consent from iPay Digital is strictly prohibited. You agree that you will not use any robot, spider, or other automatic device, or manual process to monitor or copy iPay Digital’s web pages or the content contained therein without prior written permission and consent from iPay Digital

For the purposes of this Agreement, “IP Rights” means all patent rights; copyright, including rights in derivative works; trademark, trade dress and service mark rights; goodwill; trade secret rights; and other intellectual property rights that now exist or may hereafter come into existence, and all applications therefore and registrations, renewals and extensions thereof, under the laws of any state, country, territory, or other jurisdiction.

• Term
  

The Agreement is effective upon the date you agree to it (by electronically indicating acceptance and/or by actually using the Service) and continues so long as you use the Service or until terminated by you (as permitted herein) or iPay Digital.

• Termination
  

You may terminate this Agreement by closing your iPay Digital Account at any time by following the instructions on our website which is also detailed in Section B8 above. We may terminate this Agreement and close your iPay Digital Account at any time and for any reason.

• Effects of Termination
  

Upon termination, we will immediately discontinue your access to the Service. You will not be refunded or credited for partially used credits if your access to or use of the Service is terminated or suspended. Termination does not relieve you of your obligations as defined in this Agreement.

Upon termination you agree to (i) immediately cease your use of the Service, (ii) discontinue use of any iPay Digital or other trademarks licensed under this Agreement, and (iii) immediately remove any iPay Digital references and logos from your website. In addition, upon termination, you understand and agree that (iv) the license granted under this Agreement shall end, (v) we reserve the right to delete all of your information and account data, (vi) we will not be liable to you for compensation, reimbursement, or damages in connection with your use of the Service, or any termination or suspension of the Service or deletion of your information or account date, and (vii) you are liable to us for any fees or other amounts incurred by you through your use of the Service prior to termination.

• Your Liability
  

You are responsible for all claims, demands, fines, fees, penalties and other liability arising out of or relating to your use of the Service and your breach of this Agreement. You are responsible for any fraud and lost or stolen information caused by you or by your customers.

Without limiting the foregoing, you agree to defend, indemnify, and hold harmless iPay Digital and its respective employees, affiliates, members, representatives and agents (collectively “Disclaiming Entities”) without limitation from and against any claim, suit, demand, loss, liability, damage, action, or proceeding arising out of our relating to (i) your breach of any provision of this Agreement; (ii) your use of the Service; (iii) all acts or omissions, including negligence or willful misconduct, of your employees or agents; and (iv) all third-party indemnity obligations we incur as a direct or indirect result of your acts or omissions.

• Representation and Warranties

You represent and warrant to us that: (a) you are at least 18 years of age; (b) you are eligible to register and use the Service and have the right, power, and ability to enter into and perform under this Agreement; (c) the name identified by you when you registered is your name or business name under which you sell products and services. Furthermore, you warrants and represents that any and all information provided or disclosed to iPay Digital is accurate and current, and that you have the full legal power, authority and capacity to provide or disclose such information to iPay Digital. In no event shall iPay Digital assume any liability of any kind in connection to or arising out of any misrepresentation, misleading, deceptive or false information provided or disclosed by you. THE FOREGOING WARRANTIES IN THIS PARAGRAPH IS IN ADDITION TO ALL OTHER APPLICABLE WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTY OF MERCHANTABILITY AND THE IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE. You agree to protect, defend, indemnify and hold harmless, iPay Digital, Inc. from and against any and all loss, damage, injury, liability, judgments, violations and claims thereof arising out of, connected with, incident to, or otherwise directly or indirectly resulting from (i) any and all information that was inaccurate, misinterpreted, mishandled or loss by iPay Digital or by any financial institution, (ii) any inaccurate, unreliability or incompleteness of any service(s) provided by any financial institution and (iii) any inaccurate, incorrect, misleading, misrepresenting, deceptive or false information provided or disclosed by you. Any and all warranties herein shall survive the termination of this Agreement. Any and all information disclosed by you shall be subject to iPay Digital’s Privacy Agreement.

• Third-Party Liability
  

In delivering iPay Digital’s services to Merchant, iPay Digital may send printed check(s) to financial institutions for cashing at Merchant’s request. These financial institutions are third parties and are independently owned and operated. iPay Digital is not affiliated or employed with such third parties whatsoever. In no event shall iPay Digital be liable or held responsible under the use of any of iPay Digital’s services for any acts or omissions caused by any third party for any consequential, special, indirect or other damages, whether based in contract, tort or otherwise, even if iPay Digital has been advised of the possibility of such damages and notwithstanding any failure of essential purpose of any limited remedy.

• No Warranties

All of the information and material provided with respect to iPay Digital’s services are provided are on an “as-is” and “as available” basis. To the fullest extent permitted by applicable law, in no event does iPay Digital represent, warrant or guarantee of any kind, that iPay Digital’s service will be free from any delay, failure, interruption, corruption or otherwise from any financial institution or delivery carrier. THE FOREGOING IS IN LIEU OF ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTY OF MERCHANTABILITY AND THE IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE.

• Limitation of Liability and Damages
  

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL iPay Digital, INC. BE LIABLE FOR ANY SPECIAL, DIRECT, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR DAMAGES IN CONNECTION WITH RELIANCE ON, USE OR MISUE OF INFORMATION CONNECTION WITH THE USE OF OUR SERVICES OR FOR LOST PROFITS, LOSS OF REVENUE, OR LOSS OF USE OR DATA, ARISING OUT OF OR RELATED TO iPay Digital’S WEB SITE OR THE USE OF iPay Digital’S SERVICES, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, STRICT LIABILITY, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF iPay Digital HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS LIMIT OR DO NOT PERMIT DISCLAIMERS OF LIABILITY, SO THIS PROVISION MAY NOT APPLY TO YOU.

Notwithstanding anything to the contrary, if iPay Digital is found to be liable, its liability to you or to any third party is limited to the lesser of (a) the amount of fees in dispute not to exceed the total fees, which you paid to iPay Digital in the 3 months prior to the action giving rise to the liability, or (b) $100. The Service is controlled and operated from facilities in the United States. iPay Digital makes no representations that the Service is appropriate or available for use in other locations. Those who access or use the Service from other jurisdictions do so at their own volition and are entirely responsible for compliance with all applicable United States, foreign and local laws and regulations.

• Forum/Choice of Law
  

iPay Digital’s website and IPay Digital services are operated and provided in the State of New York. As such, IPay Digital is subject to the laws of the State New York, and as such these terms and conditions are made under and shall be govern, construed and interpreted according to the laws of the New York, without regard to its conflict of law principles. IPay Digital makes no representation that its website or its services are appropriate, legal or available for use in other locations. Accordingly, if Merchant chooses to access or use the Services Merchant agrees to do so subject to the internal laws of the State New York. In the event that these terms and conditions are breached, any and all disputes must be settled

• Arbitration

In the event of dispute between the parties herein, each party agrees to settle their dispute in binding arbitration. Arbitration shall be pursuant to and governed by the rules of the American Arbitration Association. An Arbitrator shall be mutually selected between the parties herein. The Arbitrator shall have the authority to award costs to whichever party he/she deems appropriate. Costs for arbitration may be equally split between the parties herein. If in the event the Arbitration does not resolve the parties disputes herein, any parties reserves the right to seek legal or injunctive relief in any Federal or State court in the State of New York.

• Right to Amend
  

We have the right to change or add to the terms of this Agreement at any time, and to change, delete, discontinue, or impose conditions on any feature or aspect of the Service or software that we in our sole discretion deem to be reasonable in the circumstances, such as the Services and/or our website or any other website maintained or owned by us. Any use of the Service or software after our publication of any such charges shall constitute your acceptance of this Agreement as modified.

• Assignment

This Agreement, any rights and licenses granted hereunder, may not be transferred or assigned by you without our prior written consent, but may be assigned by us without consent or other restriction.

• Parties

This Agreement binds you and your respective heirs, representatives, and permitted and approved successors (including those by merger or acquisition) or any permitted assigns.

• Severability

If any of the provisions herein are found to be unenforceable, the remainder shall be enforced as fully as possible and the unenforceable provision(s) shall be deemed modified to the limited extent required to permit enforcement of the terms and conditions as a whole.

• Entire Agreement
  

This Agreement and all policies and procedures that are incorporated herein by reference constitute the entire agreement between you and iPay Digital with respect to the provision of the Service. In the event of a conflict between this Agreement and any other iPay Digital agreement or policy relating to the subject matter herein, this Agreement shall prevail. Except as expressly provided herein, these terms and conditions describe the entire liability of iPay Digitaland define your access and use of the Service. If any provision of this Agreement (or any portion thereof) is held to be invalid or unenforceable under applicable law, then it shall be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue to be in full force and effect.

• Email May Not Be Used to Provide Notice
  

Communications made through the Service’s e-mail and messaging system will not constitute legal notice to iPay Digital or any of its officers, employees, agents or representatives in any situation where notice to iPay Digital is required by contract or any law or regulation. All legal notices to iPay Digital shall be sent in writing to the following address: iPay Digital at Miami, FL, USA.

• User Consent to Receive Communications in Electronic Form
  

For contractual purposes, you (a) consent to receive communications from iPay Digital in an electronic form via the email address you have submitted; and (b) agree that all Terms of Service, agreements, notices, disclosures, and other communications that iPay Digital provides to you electronically satisfy any legal requirement that such communications would satisfy if it were in writing. The foregoing does not affect your non-waivable rights.

We may also use your email address, to send you other messages, including information about iPay Digital and special offers. You may opt out of such email by changing your account settings or sending an email to support@ipaydigital.com. Opting out may prevent you from receiving messages regarding iPay Digital or special offers.

YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THE TERMS OF SERVICE, AND WILL BE BOUND BY THESE TERMS AND CONDITIONS. YOU FURTHER ACKNOWLEDGE THAT THESE TERMS OF SERVICE TOGETHER WITH THE PRIVACY POLICY LOCATED AT https://ipaydigital.com/privacy-policy/ REPRESENT THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US AND YOU, THAT IT SUPERSEDES ANY PROPOSAL OR PRIOR AGREEMENT ORAL OR WRITTEN, AND ANY OTHER COMMUNICATIONS BETWEEN US RELATING TO THE SUBJECT MATTER OF THESE TERMS OF SERVICE.

• Contacting Us

If you have any questions about this Terms of Services, the practices of this Site, or your dealings with this Site, please contact us at:

This document was last updated on November 8, 2022.