Terms of Service

Acceptance of Terms

By accessing and using the services provided by StellarPulse Lda. ("Company", "we", "our", or "us"), you ("Customer", "you", or "your") agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and StellarPulse regarding your use of our payment processing services.

If you do not agree with any part of these Terms, you must not use our services. By continuing to use our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and any future modifications.

Description of Services

StellarPulse provides payment processing solutions for retail and e-commerce businesses, including but not limited to:

• Credit and debit card processing
• Digital wallet integration
• Online payment gateway services
• Transaction reporting and analytics
• Fraud protection and security services
• Multi-currency payment processing

Our services are subject to approval and may be modified, suspended, or discontinued at our discretion with appropriate notice to customers.

User Obligations

As a user of our services, you agree to:

• Provide accurate, complete, and up-to-date information during registration and throughout your use of our services
• Comply with all applicable laws, regulations, and industry standards, including PCI DSS requirements
• Maintain the security and confidentiality of your account credentials
• Use our services only for legitimate business purposes
• Not engage in fraudulent, illegal, or unauthorised activities
• Promptly notify us of any suspected security breaches or unauthorised access
• Pay all fees and charges associated with your use of our services
• Cooperate with our compliance and risk management procedures

You are responsible for all activities that occur under your account and must take reasonable measures to prevent unauthorised use.

Prohibited Activities

You may not use our services for any of the following prohibited activities:

• Processing payments for illegal goods or services
• Money laundering or terrorist financing
• Gambling or gaming activities (unless properly licensed)
• Adult entertainment or services
• Cryptocurrency or virtual currency transactions
• High-risk merchant activities without prior approval
• Processing transactions without proper authorisation
• Attempting to circumvent our security measures

Fees and Payment Terms

You agree to pay all fees associated with your use of our services as outlined in your service agreement or fee schedule. Fees may include:

• Transaction processing fees
• Monthly service fees
• Setup and integration fees
• Chargeback and dispute handling fees
• Currency conversion fees

We reserve the right to modify our fee structure with 30 days' written notice. Continued use of our services after fee changes constitutes acceptance of the new fees.

Intellectual Property

All intellectual property rights in our services, including software, technology, trademarks, copyrights, and proprietary information, remain the exclusive property of StellarPulse or our licensors. You are granted a limited, non-exclusive, non-transferable licence to use our services solely for your business purposes.

You may not:

• Copy, modify, or reverse engineer our software or systems
• Use our trademarks or branding without written permission
• Create derivative works based on our services
• Remove or alter any proprietary notices

You retain ownership of your business data and customer information, subject to our rights to process such data as necessary to provide our services.

Data Protection and Privacy

We are committed to protecting your privacy and personal data in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR). Our collection, use, and protection of personal data is governed by our Privacy Policy, which forms an integral part of these Terms.

By using our services, you consent to the collection and processing of data as described in our Privacy Policy and acknowledge that cross-border data transfers may be necessary to provide our services.

Limitation of Liability

To the maximum extent permitted by law, StellarPulse shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from or relating to your use of our services.

Our total liability for any claims arising from or relating to these Terms or our services shall not exceed the total fees paid by you to us in the twelve (12) months preceding the event giving rise to the claim.

We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee uninterrupted or error-free service.

Indemnification

You agree to indemnify, defend, and hold harmless StellarPulse, its officers, directors, employees, and agents from and against any claims, damages, losses, costs, and expenses (including reasonable legal fees) arising from:

• Your breach of these Terms
• Your use of our services
• Your violation of any law or regulation
• Your infringement of any third-party rights
• Any fraudulent or unauthorised transactions

Termination

Either party may terminate this agreement with 30 days' written notice. We may terminate your account immediately without notice if:

• You breach these Terms
• You engage in prohibited activities
• Your account poses a security or compliance risk
• Required by law or regulation

Upon termination, your access to our services will cease, and we will settle any outstanding amounts in accordance with our settlement procedures. Provisions that by their nature should survive termination will continue in effect.

Governing Law

These Terms are governed by and construed in accordance with the laws of Portugal and the European Union. Any disputes arising from or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the courts of Braga, Portugal.

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect.

Force Majeure

Neither party shall be liable for any failure or delay in performance due to circumstances beyond their reasonable control, including but not limited to natural disasters, government actions, network failures, or other acts of God.

Modifications to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated to you with at least 30 days' notice via email or through our service platform. Continued use of our services after changes take effect constitutes acceptance of the modified Terms.

Contact Information

If you have any questions about these Terms or our services, please contact us: