Terms & Conditions

1. Acceptance of Terms

By creating an account, accessing, or using the Payflow platform, including our web application, mobile interfaces, and APIs, you formally agree to be bound by these Terms and Conditions. These terms constitute a legally binding agreement between you, whether as an individual or on behalf of an entity, and Payflow Inc. If you are entering into this agreement on behalf of a company, you represent and warrant that you have the authority to bind that company to these terms. If you do not agree with any part of these terms, you must immediately cease using our services.

2. Description of Service

Payflow provides a cloud-based financial operations platform that automates payroll, tax filing, compliance monitoring, and financial reporting for startups and finance teams (“the Service”).

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with reasonable notice where possible. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

3. Account Registration

To use certain features of the Service, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration

• Maintain the security of your account credentials

• Notify us immediately of any unauthorized access or security breach

• Accept responsibility for all activities that occur under your account

We reserve the right to suspend or terminate accounts that violate these Terms or pose a security risk to the Service or other users.

4. Subscription & Billing

Plans and Pricing

Payflow offers tiered subscription plans (Starter, Growth, and Scale). Current pricing is available on our Pricing page. All fees are stated in USD and exclude applicable taxes.

Billing Cycle

Subscriptions are billed monthly or annually, depending on your selected plan. Annual plans are billed upfront and include a discount as displayed at checkout.

Automatic Renewal

Subscriptions renew automatically unless cancelled before the end of the current billing period. You may cancel at any time from your account settings.

Refunds

Fees are non-refundable except where required by law or explicitly stated in a separate written agreement. If you believe you have been charged in error, contact us within 30 days.

Price Changes

We may change subscription prices with at least 30 days’ notice. Price changes take effect at the start of your next billing cycle.

5. Acceptable Use

You agree not to use the Service to:

• Violate any applicable law, regulation, or third-party right

• Transmit malware, spyware, or any harmful code

• Attempt to gain unauthorized access to the Service or its infrastructure

• Interfere with or disrupt the integrity or performance of the Service

• Reverse engineer, decompile, or attempt to extract source code

• Use the Service to process fraudulent, illegal, or prohibited transactions

• Resell, sublicense, or redistribute the Service without written permission

We reserve the right to investigate and take appropriate action against violations, including suspension or termination of your account.

6. Data & Privacy

Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your data.

Your Data

You retain ownership of all data you submit to the Service (“Customer Data”). By using the Service, you grant us a limited license to process Customer Data solely to provide and improve the Service.

Data Security

We implement industry-standard security measures, including encryption in transit and at rest, access controls, and regular security audits. Our infrastructure is SOC 2 Type II certified, PCI-DSS compliant, and GDPR-ready.

Data Retention

We retain Customer Data for as long as your account is active or as needed to comply with legal obligations. Upon account termination, you may request export or deletion of your data within 30 days.

7. Intellectual Property

All content, features, and functionality of the Service — including software, design, text, graphics, logos, and documentation — are owned by Payflow or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of the Service without our prior written consent.

Feedback

If you provide suggestions or feedback about the Service, you grant us the right to use that feedback without restriction or compensation.

8. Confidentiality

Each party agrees to keep confidential any non-public information disclosed by the other party in connection with the Service (“Confidential Information”). Confidential Information does not include information that:

• Is or becomes publicly available through no fault of the receiving party

• Was already known to the receiving party before disclosure

• Is independently developed without reference to the disclosing party’s Confidential Information

• Is required to be disclosed by law or court order

These obligations survive termination of your account.

9. Limitation of Liability

To the maximum extent permitted by law, Payflow and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, revenue, data, or goodwill — arising from your use of the Service.

Our total liability for any claim arising from these Terms or the Service will not exceed the amount you paid to Payflow in the 12 months preceding the claim.

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability. In such cases, the above limitations apply to the fullest extent permitted by law.

10. Termination

By You

You may cancel your account at any time from your account settings. Cancellation takes effect at the end of your current billing period.

By Us

We may suspend or terminate your access to the Service immediately if you violate these Terms, fail to pay applicable fees, or pose a security or legal risk.

Effect of Termination

Upon termination, your right to use the Service ceases immediately. We will retain your data for 30 days, during which you may request an export. After 30 days, your data may be permanently deleted.

11. Governing Law

These Terms are governed by the laws of [Jurisdiction], without regard to its conflict of law principles. Any disputes arising from these Terms or the Service will be resolved in the courts of [Jurisdiction].

Before pursuing legal action, both parties agree to attempt to resolve disputes informally by contacting legal@payflow.com.

12. Changes to Terms

We may update these Terms from time to time. When we make material changes, we will notify you by email or through the Service at least 30 days before the changes take effect.

Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you may cancel your account before the changes take effect.

13. Contact

If you have questions about these Terms, contact us at:

Email: legal@payflow.com

Address: 210 Bishopsgate, 2nd Floor, London, EC2M 4NR, United Kingdom

We aim to respond to all legal inquiries within 5 business days.