1. Acceptance of Terms
By using Payflow's Services, you agree to be bound by these Terms and any applicable laws or regulations. If you do not agree with these Terms, do not use our Services.

2. Use of Services
You may only use Payflow's Services for lawful purposes and in accordance with these Terms. You are responsible for all activities related to your account, including ensuring the accuracy of your information and the security of your login credentials.

3. Account Creation and Security
To access certain features of Payflow, you must create an account. You agree to provide accurate, current, and complete information during the registration process and maintain its accuracy. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.

4. Payment Processing
Payflow provides payment processing solutions designed to help businesses reduce transaction fees. By using our Services, you agree that Payflow is not responsible for any transaction fees, chargebacks, or other financial obligations incurred by your use of the payment services.

5. Automated Savings
Payflow offers automated savings features to optimize transaction fees and save money. While we strive to provide accurate and effective recommendations, we do not guarantee specific savings or outcomes from the use of this feature.

6. Fees and Payment
Payflow may charge fees for certain services or transactions, and these fees will be clearly outlined in your agreement with Payflow. You agree to pay all applicable fees for the Services you use, as detailed in our pricing guide or specific service agreement.

7. Termination and Suspension
Payflow reserves the right to suspend or terminate your account if you violate any of these Terms. Upon termination, you will no longer have access to Payflow's Services, and you must immediately stop using them.

8. Intellectual Property
All content, logos, trademarks, and intellectual property related to Payflow's Services are owned by Payflow Systems or its licensors and are protected by copyright laws. You are granted a limited, non-exclusive, non-transferable license to use the Services in accordance with these Terms.

9. Privacy
Your use of Payflow's Services is governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using our Services, you consent to the data practices described in the Privacy Policy.

10. Disclaimers and Limitations of Liability
Payflow’s Services are provided "as is" without warranties of any kind. We do not guarantee that our Services will always be available, error-free, or secure. Payflow is not responsible for any loss of data, financial loss, or other damages resulting from your use of the Services.

11. Indemnification
You agree to indemnify and hold Payflow, its affiliates, officers, directors, and employees harmless from any claims, losses, damages, or liabilities arising from your use of the Services or any violation of these Terms.

12. Governing Law
These Terms are governed by the laws of Canada, without regard to its conflict of law principles. Any disputes related to these Terms will be resolved in the courts located in Montreal.

13. Changes to Terms
Payflow reserves the right to update or modify these Terms at any time. We will notify you of any changes, and your continued use of the Services constitutes your acceptance of the updated Terms.

14. Contact Us
If you have any questions or concerns about these Terms or Payflow’s Services, please contact us at info@payflow.systems