Terms Of Use

Welcome to PAYBUDDIES. By accessing or using our app (the "Service"), you agree to comply with and be bound by the following Terms of Use ("Terms"). If you do not agree with these Terms, Please refrain from using the Service.

1. Account Registration and Security

  • To use products of PayBuddies, you are required to create an account. You must provide accurate, complete, and current information during registration.
  • You are responsible for maintaining the confidentiality of your account information, including your password. Notify us immediately if you believe your account has been compromised.

2. Eligibility

  • You must be at least 18 years of age and capable of forming a binding contract under applicable law to use PayBuddies.

3. Use of the Service

  • PayBuddies allows you to access financial services, including but not limited to currency exchange, payments, money management, and the issuance of virtual cards.
  • You agree to use the Service only for lawful purposes and not to engage in fraudulent or illegal activities.

4. Virtual Cards

  • Issuance of Virtual Cards: PAYBUDDIES offers virtual cards for making online purchases or managing your funds securely. You can generate a virtual card through the app, which is linked to your PAYBUDDIES account and can be used for digital transactions.
  • Usage of Virtual Cards: Virtual cards can be used for online purchases wherever card payments are accepted. They function just like physical debit or credit cards but are designed for online security and convenience.
  • Card Limitations: PayBuddies may set transaction limits or restrictions on virtual cards. These limits will be communicated to you before use and may vary based on your account status and usage history.
  • Card Security: Your virtual card is protected by a unique card number, expiration date, and security code. You are responsible for maintaining the confidentiality of this information and notifying us if your card is lost or compromised.

5. Currency Exchange and Transactions

  • PayBuddies offers currency exchange and financial transaction services, subject to fees and exchange rates disclosed at the time of the transaction.
  • You authorize PayBuddies to process transactions as per your instructions and agree to any applicable fees.

6. Fees and Payments

  • Certain features of the Service may involve fees, which will be clearly stated before you complete any transaction.
  • You agree to pay all fees associated with your use of the Service, and you authorize PayBuddies to charge your chosen payment method for these fees.

7. Privacy and Data Security

  • Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
  • You agree to provide accurate and up-to-date information and to notify us of any changes to your personal details.

8. Prohibited Activities

You agree not to:
  • Use PayBuddies for any illegal, fraudulent, or unauthorized activities.
  • Attempt to reverse engineer, hack, or interfere with the operation of the Service.
  • Violate any applicable laws or regulations while using the Service.

9. Third-Party Services

  • PayBuddies may link to third-party services or offer integrations with other apps. We are not responsible for the content or actions of these third-party services.

10. Termination

  • PayBuddies may suspend or terminate your access to the Service at any time for any reason, including violations of these Terms.

11. Disclaimers and Limitation of Liability

  • PayBuddies provides the Service "as is" and makes no warranties regarding the availability, reliability, or performance of the Service.
  • To the maximum extent permitted by law, PayBuddies is not liable for any indirect, incidental, special, or consequential damages arising from your use of the Service.

12. Changes to Terms

  • PayBuddies reserves the right to modify these Terms at any time. Any changes will be posted in the app, and your continued use of the Service after such changes constitutes your acceptance of the updated Terms.

13. Contact Us

  • If you have any questions about these Terms, please contact us via email.

By using PayBuddies, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Use.