TERMS OF SERVICE

1. Introduction

These terms and conditions govern your use of this website or app. By accessing the service, you acknowledge that you have read and agree to this Agreement. Please read this Agreement carefully. If you disagree with these terms and conditions, please refrain from using our website or app. You must be at least 18 years of age to use this website or app. By using this website or app and by agreeing to these terms and conditions you warrant and represent that you are at least 18 years of age.

2. Terms specific to the service

2.1. Definition of terms

“The site”(this website or app) is operated by Codiv OÜ (“agent”, “us”, “we”, or “our”). A “Biller” is the party to whom you wish make a payment. “Payment Details” is the information provided by you to us in order to make the payment (generally, but not limited to, Biller name, Biller account number, amount and reference data). A “Business Day” is considered every day, Monday through Friday, excluding official bank holidays.

2.2. General functionality

The user owes from a contract of goods or services to a biller an amount in USD or EUR which is due for payment. This debt is to be taken over by the agent who releases the users’ payment obligation to the biller.

We are an independent contractor for all purposes, except that for certain services, we act as your agent with respect to the custody of your funds. This Agreement does not alter your liability or obligations that currently exist between you, your Billers and other third parties.

We do not have control of, or liability for, any products or services that are paid for using our Service. The current and most up-to-date fee structure can be found on our homepage but is subject to change without notice.

2.3. Limitations

You understand and agree that you are responsible for ensuring timely payment of all bills. We only process bills on business days and transfer the final sum to the intended biller via bank transfer.

We do not control or assume any liability for delays due to holdups in the bank transfer process or the time required by the biller to credit your account. In these cases, we will not be held responsible for any incurred late fees.

We will use reasonable efforts to pay your Bills timely and properly. However, we will not be held responsible if we are unable to complete any Bill Payments initiated by you due to any one or more of the following circumstances:

2.4. Bitcoin and other cryptocurrency payments

When sending us a payment request, you are required to provide all relevant data points to this transaction via data entry forms on the site. Upon completion, you are presented with a Bitcoin or other supported cryptocurrency payment request.

To ensure timely processing, you must send the required amount of Bitcoins or other supported cryptocurrencies to the specified wallet address associated to your transaction ID within 15 minutes!

In case the transaction takes longer, you may need to open a support ticket with our transaction processor. Your receipt (including your transaction ID) will be displayed on the screen and automatically emailed to you after completion. We recommend you keep a copy of your receipt for your records.

We do not guarantee the value of bitcoin or any other cryptocurrency. You acknowledge that the price or value of any cryptocurrency (including Bitcoin) can change rapidly, decrease, and potentially even fall to zero. You acknowledge that holding any cryptocurrency is high risk. You agree to deliver the agreed upon payment for bitcoin upon confirmation of an order, regardless of changes in bitcoin value.

2.5. Refund

By using the website or app, you understand that Bills may not be completed as desired (see section 2.3.) We will undertake reasonable efforts to research and correct any issues to resolve the payment.

In case this is not possible, we will initiate a refund.

In order to facilitate the bill payment service, we use a Bitcoin or other supported cryptocurrency payment service provider to receive USD or EUR for the Bitcoins or other supported cryptocurrencies receives. Due to Bitcoins and other cryptocurrencies price volatility are we unable to refund the amount of coins sent. We can only refund the USD or EUR equivalent of coins on the day of purchase or refund, or USD or EUR directly via bank transfer or other mutually-agreed payment processor.

Charges and refunds may take 1-2 business days to process.

Our fees charged for the bill pay service are non-refundable.

3. License to use website or app

Unless otherwise stated, we and/or our licensors own the intellectual property rights in the website or app and material on the website or app. Subject to the license below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages from the website or app for your own personal use. Any use beyond this requires our explicit prior permission in writing.

4. Unacceptable use

You must not use this website or app in any way that causes, or may cause, damage to the website or app or impairment of the availability or accessibility of the website or app; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use this website or app to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website or app without the express written consent of its owner.

You must not use this website or app to transmit or send unsolicited commercial communications.

You must not use this website or app for any purposes related to marketing without the express written consent of its owner.

5. Restricted access

Access to certain areas of this website or app is restricted. The owner reserves the right to restrict access to other areas of this website or app, or indeed this entire website or app, at her discretion.

If the site provides you with a user ID and password to enable you to access restricted areas of this website or app or other content or services, you must ensure that the user ID and password are kept confidential.

We may disable your user ID and password in our sole discretion without notice or explanation.

6. User content

In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website or app, for whatever purpose.

Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or us or a third party (in each case under any applicable law).

You must not submit any user content to the website or app that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.

We reserve the right to remove any material submitted to this website or app, or stored on our servers, or hosted or published upon this website or app.

Notwithstanding our rights under these terms and conditions in relation to user content, we do not undertake to monitor the submission of such content to, or the publication of such content on this website or app.

7. No warranties

This website or app is provided “as is” without any representations or warranties, express or implied. We make no representations or warranties in relation to this website or app or the information and materials provided on this website or app.

Without prejudice to the generality of the foregoing paragraph, we do not warrant that: this website or app will be constantly available, or available at all; or the information on this website or app is complete, true, accurate or non-misleading.

Nothing on this website or app constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.

8. Limitations of liability

We will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website or app: to the extent that the website or app is provided free-of-charge, for any direct loss; for any indirect, special or consequential loss; or for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

In no event will we be liable to you or any third party for any direct, indirect, special, incidental, consequential, exemplary or punitive damages or any loss, theft, disappearance, or damages for lost profits, lost revenues, lost data or other intangible losses that result from the use of, inability to use, or unavailability of the services, regardless of the form of action and whether or not we knew that such damage may have been incurred. In no event will we be liable to you or any third party for any damage, loss or injury resulting from hacking, tampering, virus transmission or other unauthorized access or use of the services, your account, or any information contained therein. In no event will our liability for any damages arising in connection with the services exceed the fees earned by us in connection with your use of the services during the 6-month period immediately preceding the event giving rise to the claim for liability. The foregoing limitations of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.

These limitations of liability apply even if we have been expressly advised of the potential loss.

9. Exceptions

Nothing in this website or app disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website or app disclaimer will exclude or limit our liability in respect of any: death or personal injury caused by our negligence;

fraud or fraudulent misrepresentation on our part; or matter which it would be illegal or unlawful for us to exclude or limit, or to attempt or purport to exclude or limit, its liability.

10. Reasonableness

By using this website or app, you agree that the exclusions and limitations of liability set out in this website or app disclaimer are reasonable.

If you do not think they are reasonable, you must not use this website or app.

11. Other parties

You accept that, as a limited liability entity, we have an interest in limiting the personal liability of our officers and employees. You agree that you will not bring any claim personally against our officers or employees in respect of any losses you suffer in connection with the website or app.

Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website or app disclaimer will protect us, our officers, employees, agents, subsidiaries, successors, assigns and sub-contractors.

12. Unenforceable provisions

If any provision of this website or app disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website or app disclaimer.

13. Indemnity

You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

14. Breaches of these terms and conditions

Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, we may take such action as we deem appropriate to deal with the breach, including suspending your access to the website or app, prohibiting you from accessing the website or app, blocking computers using your IP address from accessing the website or app, contacting your internet service provider to request that they block your access to the website or app and/or bringing court proceedings against you.

15. Variation

We may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website or app from the date of the publication of the revised terms and conditions on this website or app. Please check this page regularly to ensure you are familiar with the current version.

16. Assignment

We may transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.

You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.

17. Severability

If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

18. Entire agreement

These terms and conditions constitute the entire agreement between you and us in relation to your use of this website or app, and supersede all previous agreements in respect of your use of this website or app.

19. Law and jurisdiction

These terms and conditions will be governed by and construed in accordance with the Law of the Estonia, and any disputes relating to these terms and conditions will be subject to the [non-]exclusive jurisdiction of the courts of Estonia.

20. Registrations and authorizations

This website or app is owned and operated by Codiv OÜ company incorporated under the laws of the Republic of Estonia, on 19th day of September 2017, with registration number 14335075, having its registered office at Harjumaa, Tallinn, Tartu mnt 43, 10128.