Website and Platform Terms of Use

1. Provider identity

1.1. The website billblend.io and the services described in these Terms are operated by Fin&Pay Partners OÜ, a private limited company incorporated in Estonia, registry code 16757225, registered in the Estonian Commercial Register, with registered address at Juhkentali tn 8, Kesklinna linnaosa, Tallinn, Harju maakond, 10132, Estonia (the "Provider", "we").

1.2. Contact: office@billblend.com. Telephone: +371 20440789.

1.3. "BillBlend" is a trading brand of the Provider and is not a separate legal person.

1.4. The Provider does not hold a license as a payment institution, an electronic money institution or a credit institution, and is not supervised as such. The Provider supplies technology; regulated payment services are supplied by the licensed partners to whom the Provider connects its clients.

1.5. The Provider does not at any time receive, hold or control funds relating to a client's transactions. Funds are received and held by the licensed partner processing the transaction and are settled by that partner. No account and no wallet in the Provider's name is used to receive, hold or transmit those funds. Nothing on the Website is an offer to hold money, to open an account or to execute a payment transaction.

2. Acceptance and scope

2.1. By accessing the website, the dashboard, the interfaces or the technical documentation (together, the "Services") you accept these Terms. If you do not accept them, do not use the Services.

2.2. The Services are intended for legal persons and for natural persons acting in the course of an economic or professional activity. They are not intended for consumers and are not directed at persons under 18.

2.3. Nothing on the website is an offer capable of acceptance. The website is an invitation to make contact. A contract for the supply of services is concluded only by a document signed by the Provider. Descriptions of services, rates, coverage, timings, volumes and geographies published on the website are indicative and do not create contractual obligations unless repeated in that signed agreement or in an Annex to it.

2.4. Where you access the Services on behalf of an organization, you warrant that you are authorized to bind that organization, and "you" means that organization.

3. Accounts and credentials

3.1. Access to the dashboard and to the interfaces requires an account issued by the Provider. Accounts are personal to the individual user and must not be shared.

3.2. You are responsible for maintaining the confidentiality of credentials, keys, tokens and any second-factor device, and for all activity carried out through your account.

3.3. You must notify the Provider without undue delay of any actual or suspected unauthorized access, disclosure of credentials or other security incident affecting your account.

3.4. You must ensure that a user whose engagement or authority ends is removed from the account without undue delay.

3.5. The Provider may suspend or withdraw an account where it is used in breach of these Terms, where credentials are compromised, or where a security or compliance concern arises.

4. Acceptable use

4.1. You must not:

(a) use the Services in breach of applicable law, of the rules of any payment system, or of the rights of any person;

(b) attempt to gain unauthorized access to any part of the Services, to another user's account, or to any system or network connected to the Services;

(c) probe, scan or test the vulnerability of the Services, or circumvent any authentication, rate-limiting or security measure, except under a written testing authorization issued by the Provider;

(d) interfere with or disrupt the operation of the Services, including by transmitting malicious code or by imposing an unreasonable load;

(e) reverse engineer, decompile or disassemble any part of the Services, or attempt to derive source code, except to the extent that this restriction cannot be excluded under applicable law;

(f) copy, scrape, index or systematically extract content from the website or the documentation, or use automated means to do so, except for ordinary search-engine indexing;

(g) use the Services to build a competing product or service, or to benchmark them for publication without the Provider's written consent;

(h) misrepresent your identity or your affiliation, or submit information that is false or misleading;

(i) use the Services to process, transmit or store data that you are not entitled to process, transmit or store.

4.2. The Provider may investigate suspected breaches of this clause and may suspend access while it does so.

5. Interfaces, test environment and documentation

5.1. The Provider grants you a non-exclusive, non-transferable, revocable, non-sublicensable license to use the interfaces and the documentation for the sole purpose of integrating with and using the Platform under an agreement in force between us.

5.2. You must integrate in accordance with the documentation and must implement any mandatory change within the period notified by the Provider. Where a change is required for security reasons or by a Partner or payment system, the period may be short.

5.3. The Provider may set and enforce rate limits, quotas and other technical restrictions, and may modify the interfaces. Where a change is not backwards compatible the Provider gives 15 days' notice, except where a shorter period is required for security or by a third party.

5.4. A test environment may be made available. It must not be used with real personal data, real payment credentials or real funds. It is provided without any availability commitment.

5.5. Credentials issued for the interfaces are confidential information of the Provider. Keys must be stored securely, must not be embedded in client-side code, and must be rotated on request.

6. Intellectual property

6.1. All rights in the website, the Services, the software, the documentation, the databases, the design and the trademarks belong to the Provider or to its licensors. Nothing in these Terms transfers any of those rights.

6.2. The name and logo "BillBlend" and the other signs used on the website are the Provider's marks. They may not be used without prior written consent, except to identify the Provider factually.

6.3. Where you send the Provider suggestions or feedback concerning the Services, the Provider may use them without restriction and without obligation to you. This does not affect any rights in your own confidential information.

7. Content and third-party material

7.1. Content published on the website, including the blog, the news section, the glossary and country pages, is provided for general information. It is not legal, tax, financial or regulatory advice, and must not be relied on as such. Rules of payment systems and applicable law change; the Provider does not undertake to keep published content current.

7.2. The website may link to third-party websites. The Provider does not control them and is not responsible for their content, their availability or their processing of personal data.

7.3. References to partners, payment methods, schemes or countries indicate technical connectivity or intention and do not constitute a representation that a particular method is available to a particular client in a particular corridor. Availability is determined in the Annex to the client's agreement.

8. Availability and changes

8.1. The Provider takes commercially reasonable steps to keep the Services available, but does not warrant uninterrupted or error-free operation. Availability commitments, where given, are set out in the service level terms agreed with a client.

8.2. The Provider may modify, suspend or discontinue any part of the Services. Where a discontinued function is used by a client under an agreement in force, the notice periods in that agreement apply.

9. Liability

9.1. To the extent permitted by law, the Services are made available on an "as is" basis and the Provider excludes all warranties not expressly given in these Terms.

9.2. The Provider is not liable for indirect or consequential loss, loss of profit, loss of business, loss of goodwill or loss of data arising from the use of, or inability to use, the Services.

9.3. The Provider's aggregate liability under these Terms is determined by the liability provisions contained in the agreement with the counterparty.

9.4. Nothing in these Terms limits liability for intentional breach, for gross negligence, or to the extent that liability cannot be limited under applicable law.

10. Privacy and cookies

10.1. Personal data processed in connection with the Services is processed in accordance with the Privacy Policy published at billblend.io.

10.2. Cookies and similar technologies are used in accordance with the Cookie Policy published at billblend.io. Non-essential cookies are set only with your consent.

11. Suspension and termination of access

11.1. The Provider may suspend or terminate access to the Services, in whole or in part, where these Terms are breached, where a security or compliance concern arises, or where required by law or by a third party.

11.2. Termination of access under this clause does not by itself terminate any services agreement between the Parties; termination of that agreement is governed by the agreement itself.

12. Changes to these Terms

12.1. The Provider may amend these Terms. The current version and its effective date are published at billblend.io.

12.2. Amendments take effect on publication for visitors to the website, and 14 calendar days after notice for holders of an account. Continued use after that date constitutes acceptance.

13. Governing law and disputes

13.1. These Terms, and any non-contractual obligation arising out of or in connection with them, are governed by the law of Estonia.

13.2. The courts of Estonia have exclusive jurisdiction over any dispute arising out of or in connection with these Terms.

13.3. Where, notwithstanding clause 2.2, a user qualifies as a consumer under mandatory law, that law is unaffected by clauses 13.1 and 13.2 to the extent that it cannot be derogated from by agreement.