Terms and Conditions

1. Introduction

Welcome to CircoFlows. These Terms and Conditions govern your use of our payment processing services and website.

By accessing or using our services, you agree to be bound by these terms. If you disagree with any part of these terms, you may not access our services.

2. Services

CircoFlows provides payment processing services including:

• Direct payment processing
• Hosted payment pages
• Payment link generation
• Transaction management
• Merchant dashboard services

3. User Accounts

To use our services, you must create an account and provide accurate, complete information. You are responsible for:

• Maintaining the security of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring your account information is up to date

4. Acceptable Use

You agree not to use our services for any unlawful purpose or in any way that could damage, disable, or impair our services.

Prohibited activities include fraud, money laundering, unauthorized access, and any activity that violates applicable laws or regulations.

5. Payment Terms

All fees are charged in accordance with our pricing schedule. You agree to pay all applicable fees for services used.

We reserve the right to modify our pricing with 30 days' notice. Continued use of our services constitutes acceptance of new pricing.

6. Privacy and Data

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of our services.

We process personal data in accordance with applicable data protection laws and our Privacy Policy.

7. Limitation of Liability

To the maximum extent permitted by law, CircoFlows shall not be liable for any indirect, incidental, special, consequential, or punitive damages.

8. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting. Your continued use of our services constitutes acceptance of the modified terms.

9. Contact Information

If you have any questions about these Terms and Conditions, please contact us at: