Terms of Service

These Terms of Service (the "Terms") govern access to and use of the website, platform, and services provided by Innout Payments Inc. ("Innout Payments," "we," "us," or "our").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you must not access or use the Services.

1. About Innout Payments

Innout Payments operates as a Merchant of Record (MoR) for eligible digital products and services. As Merchant of Record, Innout Payments is the legal seller to Buyers for transactions processed through our checkout and assumes responsibility for:

• Payment processing
• Invoicing and receipts
• Indirect tax collection and remittance (where applicable)
• Refunds, disputes, and chargebacks

Innout Payments provides its Services to:

• Buyers, who purchase products via our checkout; and
• Suppliers, who offer digital products that are resold by Innout Payments.

2. Scope of These Terms

These Terms apply to:

• All visitors to our website
• All Buyers and Suppliers using the Services
• Any access to dashboards, APIs, or related tools

Additional policies form part of these Terms, including:

• Buyer Terms
• Supplier Terms
• Refund Policy
• Privacy Policy
• Acceptable Use Policy
• Merchant Acceptance Policy

In the event of a conflict, the more specific policy will prevail.

3. Eligibility and Account Responsibility

You represent that:

• You are at least 18 years old (or the legal age in your jurisdiction)
• You have the legal capacity to enter into a binding agreement
• Any information you provide is accurate, current, and complete

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activity occurring under your account
• Promptly notifying us of any unauthorized use

4. Use of the Services

You may use the Services only for lawful purposes and in compliance with these Terms and all applicable laws.

You agree not to:

• Engage in fraud, deception, or abusive behavior
• Circumvent payment, tax, or compliance controls
• Abuse refunds, disputes, or chargeback mechanisms
• Infringe intellectual property or privacy rights
• Interfere with platform security or integrity
• Use the Services for prohibited business categories

5. Merchant of Record Structure

Where Innout Payments is the Merchant of Record:

• Buyers purchase products directly from Innout Payments
• Suppliers license or provide the product to Buyers
• Innout Payments controls checkout, pricing presentation, and payment collection
• Innout Payments manages refunds, disputes, and chargebacks

Suppliers remain responsible for:

• Product quality and accuracy
• Product delivery and access
• Non-payment-related customer support

6. Payments, Pricing, and Taxes

All prices are displayed at checkout and may include applicable taxes.

As Merchant of Record, Innout Payments may:

• Determine the final transaction amount charged to Buyers
• Collect and remit applicable indirect taxes (VAT, GST, Sales Tax, etc.)
• Withhold amounts as required by law or payment network rules

7. Refunds and Chargebacks

Refunds are governed by the Refund Policy.

You agree to contact Innout Payments before initiating a chargeback where possible. Excessive or abusive chargebacks may result in account restrictions or termination.

8. Intellectual Property

All content, software, branding, and materials owned by Innout Payments ("Innout Payments IP") are protected by intellectual property laws.

You may not:

• Copy, modify, distribute, or exploit Innout Payments IP
• Use our trademarks without prior written consent

Suppliers retain ownership of their own products and content.

9. Suspension and Termination

We may suspend or terminate access to the Services immediately if we reasonably believe that you:

• Breached these Terms or any incorporated policy
• Engaged in fraudulent, illegal, or abusive conduct
• Posed legal, financial, or reputational risk
• Are required to be suspended by law or payment partners

Termination does not relieve you of obligations incurred prior to termination.

10. Disclaimer of Warranties

To the maximum extent permitted by law, the Services are provided "as is" and "as available."

Innout Payments disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

11. Limitation of Liability

To the fullest extent permitted by law:

• Innout Payments shall not be liable for indirect, incidental, consequential, or punitive damages
• Innout Payments' total liability arising from the Services shall not exceed the fees earned by Innout Payments for the applicable transaction

Some jurisdictions do not allow certain limitations; those limits apply only to the extent permitted.

12. Indemnification

You agree to indemnify and hold harmless Innout Payments and its affiliates from claims, damages, losses, and expenses arising from:

• Your breach of these Terms
• Your misuse of the Services
• Your product, content, or conduct (if you are a Supplier)

13. Privacy and Data Protection

Our collection and use of personal data are governed by the Privacy Policy, which forms part of these Terms.

14. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted on our website with a revised "Last Updated" date.

Continued use of the Services constitutes acceptance of the updated Terms.

15. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Delaware, USA, excluding conflict-of-law principles.

You agree that any dispute arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the courts located in Delaware, unless mandatory consumer laws provide otherwise.

16. Contact Information

For questions regarding these Terms or the Services, contact:
Email: main@innoutpayments.com