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This User Agreement (the "Agreement") is a contract between you and XL PAY and
applies to your use of the XL PAY payment services and any related products and
services available from www.XL PAY (the "Service"). If you do not agree to be
bound by the terms and conditions of this Agreement, including future revisions of this
Agreement, please do not access or use our Services.
The XL PAY (the "XL PAY") service and the use of the XL PAY services
are provided "as is" to the fullest extent permissible pursuant to applicable law.
XL PAY disclaims all warranties expressed or implied, including, but not limited
to warranties of Merchantability and fitness for a particular purpose, in relation to the
service, its use and the results of such use. Without limiting the foregoing, XL PAY
specifically disclaims any warranty (i) that the service will be error-free and/or
uninterrupted, (ii) that defects will be corrected, (iii) that the security methods
employed will be sufficient, or (iiii) regarding correctness, accuracy or reliability.
XL PAY shall have no obligation to provide the Service, and shall have no liability
to the End User in the event XL PAY is unable, as may be determined in the sole
discretion of XL PAY to make payment and/or make changes in methods of payment or
operations that can make our service unusable for the end user. Applicable law may not
allow the exclusions of implied warranties so the above exclusions may not apply fully to you.
In order to use the Service, you must register for an account. Users may only hold one
account per household. Our Services are only available to individuals or businesses that
can form legally binding contracts under applicable law. Without limiting the foregoing,
our Service is not available to minors (under 18) or persons who have been suspended from
using our Service.
XL PAY is an actual product itself, when funding your account you are actually
buying a product from XL PAY, and the product you are buying is credits (the "Funds").
The value of each credit is 0.01¢. Members can trade available credits to other members for
their digital products and/or services. When you withdraw funds you are selling the product
back to us at the same value that it was purchased at (0.01¢). This way there are no actual
monies involved directly or indirectly between XL PAY user's. All sales are final.
XL PAY acts as a facilitator to help you accept funds (the "Credits") from and
send credits to third parties. We act as your agent based upon your requests to use our
Services that require us to perform these tasks on your behalf. XL PAY will at
all times hold your credits separate from company credits, we will not use your credits
for its operating expenses or any other company purposes. You acknowledge that XL PAY
is not a bank and is not a banking service, XL PAY is acting only as an agent and
custodian for the movement of your account credits.
XL PAY does not permit exchanges of XL PAY funds into other
e-currencies or vice versa.. Any user attempting to use XL PAY as an "exchanger", or
attempting to act as an "exchanger", will have said account(s), and all
other accounts owned by that user, restricted and or closed.
User found to you use, or attempt to use the Service for purposes other than sending and receiving payments and managing
their account, including but not limited to tampering, hacking, modifying or otherwise corrupting the security or functionality of
the site, will have their account terminated and will be subject to damages and other penalties, including criminal prosecution where available.
Users are only allowed one account per household, setting up more than one account using
the same postal address will result in termination of all accounts created under that
address which also means an instant forfeit of all available credits within those said accounts.
You understand that we do not have any control over the products and/or services that
are purchased through our Service. We cannot ensure that a buyer or a seller you are
dealing with will actually complete the transaction and we cannot be held liable if a
transaction is not completed by the buyer or the seller. In the event of a dispute with
one or more users, you release XL PAY (and our officers, directors, agents,
subsidiaries, joint ventures and employees) from any and all claims, demands and damages
(actual and consequential) of every kind and of every nature arising out of or in any
way connected with such disputes. The dispute is solely between the buyer and the seller
respectively.
Complaints to one of our third-party processors will result in an immediate termination
of your account with us and by doing so you agree to instantly forfeit your current
XL PAY account balance. All sales final, credits within your account balance
is not actual money, they are credits until you withdraw (sell) those credits back to
us, at that time we will send you a business check, less any applicable fees (if available).
We are in no way obligated to buy said credits back if the company deems
necessary not
to or due to any type of unforeseen problems within the company itself.
Setting up more than one account just to be able to withdraw funds quicker will
result in an immediate termination of each account that you opened and you will
forfeit the remaining credits within each account involved, this also includes
accounts setup under a different name, a different email address, and a different
business name or any combination of each. Users are only allowed one account per
household.
XL PAY reserves the
right to limit access to sending money or making withdrawals from an account
if the account is found to violate these terms. In the event your account access is
restricted, all funds within the account will be held for a period of 180
days to cover against any charge-backs your account may incur. After 180 days
of account restriction, you may contact XL PAY to request the balance
of any remaining funds held within your account, a check will be sent to the
address listed on the account, then the account itself will be closed out.
If you do not agree to be bound by the terms and conditions of the agreement above,
including future revisions of this Agreement, please do not access or use our services.
We reserve the right to discontinue our services at any time.
XL PAY reserves the right to modify this user agreement at any time.
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