Terms of Service

These Terms govern your access to and use of AI Payment Guard (the "Service"), operated by AI Payment Guard SAS ("we", "us", "our"). By creating an account or using the Service, you agree to be bound by these Terms.

1. The Service

AI Payment Guard is a control plane that lets organizations evaluate, hold for human review, log, and conditionally execute payment intents submitted by autonomous agents or applications. The Service does not itself move funds — it produces decisions which are consumed by the customer's underlying payment rails.

2. Accounts

You must provide accurate registration information. You are responsible for maintaining the confidentiality of your credentials, including agent API keys, and for all activity that occurs under your account. Notify us immediately of any unauthorized use.

3. Acceptable use

You agree not to:

• Use the Service to facilitate transactions that violate applicable law;
• Reverse-engineer, decompile, or attempt to extract source code, except as permitted by law;
• Probe, scan, or test the vulnerability of any of our systems without prior written consent;
• Use the Service to send spam, malware, or otherwise abusive content via our webhooks;
• Resell or sublicense access to the Service without a written agreement.

4. Fees

Fees, included quotas and overages are described on the Pricing page and in your order form. Fees are exclusive of taxes. We may revise pricing on at least 30 days' notice for paid plans. Free plans may be modified or discontinued at any time.

5. Customer data

You retain all rights to data you submit (including payment intents, beneficiary records, policies, audit events). We process this data solely to provide the Service, in accordance with our Privacy Policy and Data Processing Addendum. We will not sell your data to third parties.

6. Service availability

We aim to make the Service highly available. The Sandbox tier is provided as-is with no SLA. Paid tiers include the SLA disclosed in your order form. Scheduled maintenance and outages caused by factors outside our reasonable control are excluded.

7. No financial advice; no fiduciary duty

The Service evaluates rules you configure. It does not provide financial, legal, tax, or regulatory advice, and we do not act as your fiduciary, custodian, or escrow agent.

8. Termination

Either party may terminate for material breach not cured within 30 days. We may suspend the Service immediately if your usage threatens the integrity or security of our systems or other customers. Upon termination, you may export your data for 30 days; afterwards, we will delete it on request, subject to backup retention windows.

9. Warranty disclaimer

Except as expressly stated, the Service is provided "as is" without warranty of any kind, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose and non-infringement.

10. Limitation of liability

To the maximum extent permitted by law, neither party will be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, revenue, data or business opportunity. Each party's aggregate liability under these Terms will not exceed the fees paid or payable by you in the 12 months preceding the claim.

11. Governing law

These Terms are governed by the laws of France. Disputes will be submitted to the exclusive jurisdiction of the competent courts in Paris.

12. Contact

Questions about these Terms? Email legal@payment-guard.example.