Terms of Use

The paived.io website is intended for use by adults in the United States. You must be at least 18 years old and a resident of the United States to use the website. The website is not directed to children under 13, and we do not knowingly collect information from children under 13. If you believe we have collected information from a child under 13, please contact us at support@paived.io.

The website is provided for general information about paived.io and the network it operates. paived.io is in active development; the information on the site reflects the product's state at publication and may change as the product evolves. References to features, integrations, or merchants “coming soon” describe our intent, not commitments.

The website is not an offer of any product or service, and information on the site does not create a contract between you and paived.io except where a separate agreement explicitly does so (such as the network terms you accepted at a participating merchant).

Certain pages on the website — including the signed-in surfaces at paived.io/account — require you to sign in as a paived.io network member. If you have an account:

• You are responsible for keeping your sign-in credentials and your verification phone number secure. Do not share access with others.
• You authorize us to send authentication codes (SMS one-time passwords) to the phone number on file when you sign in or re-authenticate.
• You are responsible for activity on your account except where the activity was the result of paived.io's failure to follow its stated security practices.
• You may withdraw from the paived.io network at any time using the tools at paived.io/account or by emailing support@paived.io. Withdrawal stops the network from authorizing new charges or sharing your information with new merchants — see our Privacy Policy for the full retention and withdrawal rules.

The content and design of this website, and the “paived” and “paived.io” names, logos, and marks, are owned by paived.io, Inc. You may view and share the website normally — including linking to it and quoting reasonable excerpts with attribution — but you may not copy, reproduce, modify, distribute, or use the site's content or marks for other purposes without our written permission.

The /resources articles are made available for reading and reasonable academic citation. Republication, redistribution, or reuse in commercial settings requires written permission.

If you believe content on the website infringes your copyright, please send a written notice to legal@paived.io including the information required by the Digital Millennium Copyright Act:

• Your physical or electronic signature.
• Identification of the copyrighted work claimed to be infringed.
• Identification of the material on the site that is allegedly infringing, including the URL.
• Your contact information (mailing address, phone, email).
• A statement that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
• A statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

We will respond promptly to complete and accurate DMCA notices and may remove the disputed content while we review. Misuse of the DMCA process can expose you to liability.

Use the website lawfully and in good faith. You may not:

• Attempt to disrupt or interfere with the website, its systems, or other users' access.
• Access the website, its systems, or any account other than your own without authorization.
• Use the site to infringe the intellectual property, privacy, or other rights of others.
• Scrape, mine, or otherwise extract bulk data from the website other than via the public APIs we expose at paived.io/api/* under their own terms and rate limits.
• Submit false, misleading, or harassing content through the contact form or any other input on the site.

We may suspend or terminate access to the website for users who violate these rules, with or without notice.

The website may link to sites and resources operated by others — including the websites of participating merchants. We provide those links for convenience and are not responsible for the content, policies, or practices of third-party sites. Your use of any third-party site is governed by that site's own terms.

The website is provided “as is” and “as available,” without warranties of any kind, whether express or implied — including any implied warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted availability. We do not warrant that the site will be error-free or that defects will be corrected on any schedule.

To the fullest extent permitted by law, paived.io, Inc. (and its officers, directors, employees, and agents) will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of — or inability to use — this website. Our total liability to you for any claim arising from or relating to the website will not exceed one hundred US dollars (US$100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions, our liability is limited to the maximum extent permitted by applicable law.

You agree to defend, indemnify, and hold harmless paived.io, Inc. from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your violation of these Terms; (b) your use of the website in violation of applicable law; or (c) any content you submit through the website. We will give you prompt notice of any such claim, and you will cooperate with us in defending against it.

11.1 — Notice and informal resolution. Before filing arbitration, please email legal@paived.io with a description of the dispute, the relief you are seeking, and your contact information. We will respond within thirty (30) days. Most disputes we have seen are resolved at this step.

11.2 — Binding arbitration. If we cannot resolve a dispute informally, you and paived.io agree that any dispute arising from or relating to these Terms or your use of the website will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will be conducted in English, and judgment on the award may be entered in any court of competent jurisdiction. Where AAA rules conflict with these Terms, these Terms control.

11.3 — Class-action waiver.You and paived.io agree that arbitration and any court action under these Terms will be conducted on an individual basis only. You will not be permitted to bring a class action, a class arbitration, or a representative action of any kind. A court or arbitrator may not consolidate more than one person's claims, may not preside over any form of representative or class proceeding, and may not award relief to anyone other than the named parties.

11.4 — Thirty-day opt-out. You may opt out of Sections 11.2 and 11.3 (binding arbitration and the class-action waiver) by sending written notice to arbitration-opt-out@paived.io within thirty (30) days of the date you first accept these Terms. Your notice must include your full name, the email address associated with your account (if any), and a clear statement that you opt out of arbitration. Opting out does not affect the rest of these Terms.

11.5 — Exceptions. Either party may bring individual claims in small-claims court if eligible. Either party may seek injunctive or other equitable relief in court to protect intellectual property or to prevent unauthorized access to the website or its systems.

If you are a California resident, you have additional rights described in our Privacy Policy under the California Consumer Privacy Act and related California law. Nothing in these Terms limits those rights.

We may update these Terms of Use as paived.io and its website develop. We will note the date of the most recent update at the top of this page. Material changes will be announced on the website before they take effect. Continued use of the site after the effective date of a change means you accept the updated terms.

These Terms of Use are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. Subject to Section 11, any dispute that may be brought in court will be brought exclusively in the state or federal courts located in Wilmington, Delaware, and you consent to the personal jurisdiction of those courts.

Sections 4 (Intellectual property), 5 (DMCA), 8 (No warranties), 9 (Limitation of liability), 10 (Indemnification), 11 (Dispute resolution), and 14 (Governing law) survive any termination of your use of the website.

If any provision of these Terms is held to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

These Terms — together with the Privacy Policy and any network terms you accepted at a participating merchant — constitute the entire agreement between you and paived.io with respect to the website and supersede any prior agreements on the same subject.

Questions about these Terms can be sent to support@paived.io. Legal notices (including DMCA notices and arbitration notices) should be sent to legal@paived.io. Arbitration opt-out notices go to arbitration-opt-out@paived.io.