Last updated: 11 April 2025
1. Description of Service
RepayAssist provides AI-driven insights, financial analysis, business recommendations, cashflow predictions, operational suggestions, and growth optimization tools designed for businesses that process digital payments. The Services may include:
- Business performance analytics
- Personalized growth suggestions
- Revenue and cashflow optimization insights
- Risk and repayment pattern analysis
- Pilots, experiments, and early-access features
RepayAssist does not provide financial lending, credit issuance, investment advice, legal advice, or insurance unless explicitly stated by local regulation and licensing.
2. Eligibility
To use RepayAssist, you must:
- Operate a business that processes digital payments (merchant, PSP, QR, API, or equivalent).
- Have lawful authority to represent the business.
- Be compliant with local financial, commercial, and tax regulations.
- Be at least 18 years old (or the age of legal majority in your region).
The Company reserves the right to accept or refuse access at its sole discretion, especially for pilot or early-access programs.
3. Account Registration
You may need to provide personal and business information to create an account. You agree that:
- All information is accurate and up to date
- You will keep your login credentials secure
- You are responsible for all activity under your account
The Company may verify your information as permitted by law.
4. Use of the Services
You agree to use the Services only for lawful business purposes. You must not:
- Misuse, reverse engineer, or attempt to disrupt the platform
- Use RepayAssist to commit fraud, conceal activity, or harm others
- Submit false, misleading, or incomplete business data
- Violate applicable regulations regarding payments, finance, or commerce
We may suspend or terminate access for violations or suspected misuse.
5. Data Usage & Privacy
By using the Services, you consent to the Company’s processing of data as outlined in the Privacy Policy (to be published separately). RepayAssist may analyze your business data (including payment transactions, performance metrics, operational patterns) for:
- Providing insights and recommendations
- Improving service accuracy
- Security and fraud prevention
- Research and product development
All data is processed with commercially reasonable standards of security and confidentiality. We do not sell user data to third parties.
6. AI Recommendations
RepayAssist uses AI models to generate insights, predictions, and suggestions. You acknowledge that:
- AI outputs are probabilistic and may not always be accurate
- Decisions based on AI insights are your sole responsibility
- The Company is not liable for business losses arising from reliance on AI-generated recommendations
The AI system is designed to assist — not replace — professional judgment.
7. Early Access, Pilots, and Beta Features
Some features may be released as pilot, beta, or early access. Such features:
- May change, improve, or be discontinued
- May contain performance limitations or bugs
- Are provided “as is” without guarantees
Participation is voluntary and may be revoked at any time.
8. Fees & Payments
If any paid plans or subscription fees apply:
- Pricing will be communicated transparently
- Fees are billed according to your chosen plan
- Failure to pay may result in service suspension
The Company may update pricing with prior notice.
9. Intellectual Property
All intellectual property associated with RepayAssist — including software, algorithms, branding, designs, content, and trademarks — is owned by the Company. You may not copy, modify, distribute, or create derivative works without explicit permission.
10. Third-Party Services
RepayAssist may integrate with third-party payment processors, PSPs, analytics tools, or APIs. The Company is not responsible for:
- External service availability
- Third-party errors or interruptions
- Third-party privacy or compliance practices
Your use of third-party systems is governed by their terms and policies.
11. Limitation of Liability
To the maximum extent permitted by law:
- The Company is not liable for indirect, incidental, or consequential damages
- The Company is not liable for business losses, revenue declines, operational failures, or missed opportunities
- The Services are provided “as is” and “as available,” without warranties
Your sole remedy for dissatisfaction with the Services is to stop using them.
12. Termination
The Company may suspend or terminate your access if:
- You violate these Terms
- You misuse the Services
- Required by law or regulatory obligation
You may stop using the Services at any time.
13. Modifications to Terms
We may update these Terms periodically. Continued use of the Services constitutes acceptance of updated Terms.
14. Governing Law
The applicable governing law depends on your country of registration or operation. Disputes will be resolved under the jurisdiction assigned by the Company.
15. Contact Information
For questions or legal notices, contact:
hello@repayassist.com