Terms of Service

1. Overview of Services

Payzario is a financial technology platform that allows users to:

• Track and manage bills
• Connect financial accounts via third-party providers
• Pay bills
• Access optional Pay Later (BNPL) financing through third-party providers

Payzario is not a bank, lender, or financial institution.

2. Eligibility

To use Payzario, you must:

• Be at least 18 years old
• Reside in a supported region
• Provide accurate and complete information

You agree that all information you provide is truthful and up to date.

3. Account Registration

To access certain features, you must create an account. You are responsible for:

• Maintaining the confidentiality of your account
• All activity under your account
• Notifying us of unauthorized access

4. Financial Data & Third-Party Services

Payzario uses third-party services (such as Plaid and payment processors) to:

• Connect bank accounts
• Retrieve financial data
• Process payments

By using Payzario, you authorize these third parties to access your financial information on your behalf. We are not responsible for the performance, accuracy, or availability of third-party services.

5. Payments & Pay Later (BNPL)

6. Fees

Payzario may charge service fees for certain features, including:

• Bill payments
• Pay Later transactions

All fees will be clearly displayed before you confirm a transaction. By proceeding, you agree to the disclosed fees.

7. No Financial Advice

Payzario does not provide:

• Financial advice
• Credit advice
• Investment recommendations

All decisions are made at your own discretion.

8. User Responsibilities

You agree not to:

• Use the Service for illegal or fraudulent activity
• Provide false or misleading information
• Attempt to access unauthorized systems
• Interfere with the platform's functionality

9. Data Privacy

Your use of Payzario is also governed by our Privacy Policy. We take reasonable measures to protect your data, but cannot guarantee absolute security.

10. Service Availability

We strive to provide uninterrupted service, but we do not guarantee:

• Continuous availability
• Error-free operation

We may modify or discontinue features at any time.

11. Limitation of Liability

To the maximum extent permitted by law, Payzario is not liable for:

• Financial losses
• Missed payments
• Third-party errors
• System interruptions

Your use of the Service is at your own risk.

12. Indemnification

You agree to indemnify and hold Payzario harmless from any claims arising from:

• Your use of the Service
• Violation of these Terms
• Misuse of the platform

13. Termination

We may suspend or terminate your access if you:

• Violate these Terms
• Engage in suspicious or fraudulent activity

You may stop using the Service at any time.

14. Changes to Terms

We may update these Terms at any time. We will notify users of material changes. Continued use means you accept the updated Terms.

15. Governing Law

These Terms are governed by the laws of the State of Louisiana.

16. Contact Information

If you have questions, contact: