Terms

1. Eligibility

You must be at least 18 years old and legally able to enter into contracts to use Top Tap Pay. By registering, you confirm that the information you provide is accurate and complete.

2. Accounts

• You are responsible for maintaining the confidentiality of your account credentials.
• You are responsible for all activities that occur under your account.
• You must notify us immediately of any unauthorized use of your account.

3. Use of Services

You agree to use the Services only for lawful purposes and in compliance with these Terms. You may not:

• Use the Services for fraudulent, illegal, or prohibited transactions.
• Interfere with or disrupt the operation of the Services.
• Attempt to gain unauthorized access to systems or networks.

4. Payments and Fees

• Top Tap Pay enables secure processing of payments between merchants and customers.
• Fees may apply for certain transactions or services; details will be provided before you are charged.
• You are responsible for all charges, taxes, and compliance obligations associated with your use of the Services.

5. Merchant Responsibilities

• You must comply with all applicable laws, regulations, and card network rules.
• You are solely responsible for the products and services you sell, including delivery, refunds, and customer service.
• Top Tap Pay is not a party to transactions between you and your customers.

6. Data Privacy

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. By using the Services, you consent to our data practices.

7. Intellectual Property

All content, software, and technology provided by Top Tap Pay are the property of Top Tap Pay or its licensors. You may not copy, modify, distribute, or reverse-engineer our Services except as expressly permitted.

8. Disclaimers

• The Services are provided “as is” and “as available.”
• We do not guarantee uninterrupted, error-free, or fully secure operation.
• We disclaim all warranties to the fullest extent permitted by law.

9. Limitation of Liability

To the maximum extent permitted by law:

• Top Tap Pay shall not be liable for any indirect, incidental, or consequential damages.
• Our total liability to you for any claim shall not exceed the amount you paid to use the Services in the last 3 months.

10. Termination

We may suspend or terminate your access to the Services at any time if you violate these Terms or if continued access would create legal or security risks. You may stop using the Services at any time.

11. Changes to These Terms

We may update these Terms from time to time. If changes are significant, we will notify you (e.g., by email or in-app notice) before they take effect. Your continued use of the Services means you accept the updated Terms.

12. Governing Law

These Terms are governed by the laws of [Insert Jurisdiction]. Any disputes will be resolved in the courts of [Insert Location], unless otherwise required by applicable law.