Last Updated: August 14, 2025

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1. Introduction

These Terms & Conditions ("Agreement") govern your use of the OWLPAY INC. website and any online services (“Electronic Services”) accessible via the site. By accessing or using the platform, you agree to be bound by this Agreement. If you do not agree, please discontinue use immediately.

2. License Grant

OWLPAY INC. grants you a limited, non‑transferable, non‑exclusive license to access and use its Electronic Services in compliance with this Agreement. All rights not expressly granted are reserved.

3. Your Account & Representation

By using the site, you represent and warrant that you have legal authority to enter this Agreement. You agree to use the site lawfully and in accordance with all applicable regulations.

4. Acceptable Use

You agree to refrain from unauthorized or disruptive activity, such as circumventing security protocols, introducing malware, or misusing data. We reserve the right to suspend or terminate access at our discretion.

5. Third‑Party Providers

OWLPAY INC. may engage third‑party vendors to support its services. You consent to OWLPAY INC.'s sharing of necessary information with these providers, subject to the same performance and confidentiality obligations that apply to us.

6. Information and Content

Content and information—including market data—provided through OWLPAY INC. is for general informational purposes only. It is not investment advice and should not be relied upon for decision‑making. We do not guarantee its accuracy or completeness.

7. No Warranty; Use at Your Own Risk

All Electronic Services and content are provided “as is” and “as available,” without warranties of any kind, express or implied. OWLPAY INC. disclaims warranties of merchantability, fitness for a particular purpose, uninterrupted access, accuracy, or non-infringement.

8. Limitation of Liability

To the maximum extent permitted by law, OWLPAY INC., its officers, employees, agents, and affiliates shall not be liable for any incidental, indirect, consequential, or punitive damages arising from your use or inability to use the site, or reliance on its information.

9. Indemnification

You agree to defend, indemnify and hold OWLPAY INC. harmless from any claims, liabilities, losses, damages, and expenses arising from your breach of this Agreement or improper use of the Services.

10. Termination

OWLPAY INC. reserves the right to suspend or terminate your access at any time without notice or liability, in case of breach or misuse. If terminated, you must cease use of the Services immediately.

11. Force Majeure

OWLPAY INC. shall not be liable for delays or failures due to acts beyond its control, including natural disasters, cybersecurity incidents, power/network outages, or other force majeure events.

12. Entire Agreement; Amendments

This Agreement, together with any referenced policies (e.g. Acceptable Use, Privacy), constitutes the complete understanding between you and OWLPAY INC. No changes are valid unless in writing. OWLPAY INC. may revise terms at any time; continued use implies acceptance.

13. Governing Law

This Agreement is governed by the laws of [State/Province/Country], without regard to conflict‑of‑law rules. Any dispute must be brought within one year of the issue arising.

14. Relationship of Parties

You and OWLPAY INC. are independent parties. Nothing in this Agreement creates a partnership, joint venture, agency, or employment relationship.

15. Severability & Waiver

If any provision is deemed invalid or unenforceable, remaining provisions will remain effective. A waiver on one occasion does not constitute a waiver of liability on future matters.

Acknowledgment

By accessing or using OWLPAY INC.’s site and Electronic Services, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.

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