The Papaya Payments Web Site (the "Service") is an on-line bill viewing and payment service provided by Papaya Payments.
Please read this Agreement carefully before accessing or using the Service. By accessing or using the Service, you agree to be bound by the terms and conditions below. If you do not accept the terms and conditions of this Agreement, you may not access or use the Service. Papaya Payments may modify this Agreement from time to time, and such modifications shall be effective immediately upon posting of the modified Agreement. By continuing to access or use the Service following such modifications, you agree to be bound by the modified Agreement. Papaya Payments has no obligation to notify users of the posting of a modified Agreement.
By accessing the Service, you authorize Papaya Payments (1) to establish and maintain your payment authorizations and (2) to process your payments according to your instructions. Payments will be made to the payee that you designate (“Payee”).
You may use the Service only to authorize Papaya Payments to make payment of bills on your behalf to the Payee. Payments that you authorize will be made from a bank or financial institution account (the "Transaction Account") that you designate. It is your responsibility to establish and maintain the Transaction Account and to pay any and all fees associated with the Transaction Account.
By providing Papaya Payments with a payment authorization under the Service, you authorize Papaya Payments and/or the designated Payee to charge the Transaction Account to remit funds on your behalf to pay your bills owed to the Payee. It is your responsibility to make timely payment authorizations, so that the funds will arrive at Papaya Payments and/or the Payee before the date on which they are due. You must submit all payment authorizations to Papaya Payments at least three (3) business days before the specified due date for the bills (not the late date). A "business day" means any day other than Saturday, Sunday, a federal holiday, or any other day on which banks in the United States are not generally open for business. You shall bear the risk and the responsibility for paying any late charges or penalties resulting from the late receipt of any payment made under the Service; provided, however that Papaya Payments agrees to waive late charges and penalties resulting from late receipt of payment, in the event that your payment authorization was made more than (3) business days before the actual due date and the payment is late solely due to Papaya Payments' failure to promptly process your payment authorization.
Papaya Payments will use all reasonable efforts to process all your payment authorizations promptly and properly, provided the authorizations are actually received by Papaya Payments. Papaya Payments will not be responsible for any failure to process a payment authorization that is not actually and completely received by Papaya Payments for any reason, including user error, equipment malfunction, natural disasters or impediments, or inaccurate or incomplete information.
If Papaya Payments does not process a payment request on time or in the correct amount, Papaya Payments will be liable for your losses, but in no event shall Papaya Payments' liability exceed the amount of the affected payment authorization. However, Papaya Payments shall incur no liability fees if it is unable to complete a payment authorization initiated by you because of the existence of any one or more of the following circumstances:
In using the Service, you are requesting Papaya Payments to make payments for you from your designated Transaction Account. If your bank or financial institution is unable to process a transaction (for example, there are not sufficient funds in the Transaction Account to cover the transaction, or if funds in the account are unavailable for any reason), the transaction may not be completed. There may be limits or restrictions upon the number or frequency of payments that may be made from your Transaction Account under applicable law or under the terms of your agreement with the bank or financial institution maintaining the Transaction Account. Papaya Payments' obligations under the Service are subject to any such limits or restrictions, and Papaya Payments has no duty to notify you of any such limits or restrictions.
As a customer of the Service, you will not be charged by Papaya Payments for payment authorizations that you choose to send electronically.
PAPAYA PAYMENTS IS PROVIDING THE SERVICE "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON INFRINGEMENT. PAPAYA PAYMENTS DOES NOT WARRANT THAT THE SERVICE IS ERROR-FREE, OR THAT ACCESS TO AND USE OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. LIMITATION OF LIABILITY. IN NO EVENT SHALL PAPAYA PAYMENTS OR ANY LICENSORS BE LIABLE FOR ANY INCIDENTAL, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE DELIVERY, PERFORMANCE, OR USE OF THE SERVICE, WHETHER INCURRED BY YOU OR ANY THIRD PARTY, EVEN IF PAPAYA PAYMENTS OR ITS LICENSORS OR SUPPLIERS HAVE BEEN ADVISED OR MAY OTHERWISE KNOW OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions prohibit exclusion or limitation of liability for implied warranties or consequential or incidental damages, so the above limitation may not apply to you.
You may not assign this Agreement to any other party. Papaya Payments may assign this Agreement to any directly or indirectly affiliated company. Papaya Payments may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.
This Agreement is governed and shall be construed in accordance with the laws of the State of Delaware, excluding its choice of law rules. This Agreement constitutes the entire agreement and supersedes any prior agreements or understandings, oral or written, between Papaya Payments and you concerning the Service and may only be amended as provided herein. Failure or delay in enforcing any right or provision of this Agreement shall not be deemed a waiver of such provision or right with respect to any subsequent breach or a continuance of an existing breach. If any provision of this Agreement shall be held to be unenforceable that provision will be enforced to the maximum extent possible, and the remaining provisions of this Agreement will remain in full force and effect.
If you have any questions about these Terms, please contact us.