Version: 1.0
Last updated: February 23, 2025
1. Introduction
These Terms of Service (the “Terms“) outline the mutual rights and obligations associated with the use of the Website by Users. By accessing or using the Website, you agree to comply with these Terms.
2. Definitions
For the purposes of these Terms, the following definitions apply:
- “Website” refers to https://bilixe.com and its localized versions, accessible through subdomains or separate domains.
- “We“, “Us“, “Our” refer to the operator of the Website.
- “User” refers to any natural or legal person accessing and using the Website. Users are also referred to as “You” or “Your“.
- “User-generated content” includes any written content, images, videos, or other materials posted by a User on the Website.
3. General Terms
3.1. Nature of the Website. The Website provides independent information and guidance for individuals and businesses interested in payment processing services. It does not provide payment processing services. All information on the Website is for informational purposes only and should not be considered legal advice.
3.2. Accuracy of Information. While we strive to ensure the accuracy of the information published on the Website, the dynamic nature of the payment industry means we cannot guarantee the completeness or accuracy of all information. We are not liable for any damages resulting from reliance on information found on the Website.
3.3. Third-Party Links. The Website may contain links to external third-party websites. We encourage you to review the terms and conditions of those websites. We make no warranties regarding their content, including accuracy, completeness, reliability, or security from copyright, trademark, or other infringement claims, viruses, or other threats. If you choose to follow a link to an external website, including those of payment providers, you do so at your own risk. The presence of links does not imply endorsement of or responsibility for third-party opinions, ideas, products, services, or content.
3.4. Age Restriction. By accessing the Website, natural persons confirm that they are at least 18 years old and have full legal capacity. Access is restricted for persons under 18 years of age.
3.5. Geographic Restrictions. We may restrict access to all or part of the Website for Users from certain countries or territories to comply with local laws.
3.6. Reporting Issues. If you find any inaccuracies in the information published on the Website or believe the Website does not comply with the laws of your country, please contact us at hello@bilixe.com. We strive to comply with the laws of all jurisdictions where the Website is accessible.
3.7. Severability. If any provision of these Terms is found to be invalid under the laws of a User’s country, the remaining provisions shall remain in effect.
3.8. Intellectual Property. Our logos, trademarks, designs, texts, graphics, images, videos, software, and other content are our intellectual property. Logos and trademarks of payment providers belong to their respective owners and are used on the Website solely for reference purposes (nominative fair use). Copying Website content to other websites is permitted only with functional do-follow backlinks in the form of <a> html tag or with our prior approval.
3.9. Google Translation Disclaimer. The Website may contain translations powered by Google. Google disclaims all warranties related to such translations, including accuracy, reliability, and implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
3.10. Prohibited Activities. Any form of data extraction, framing, scraping, or collection of Website content by any means is strictly prohibited. Additionally, mirroring any material from the Website is not allowed.
3.11. Service Availability. You acknowledge that Website access may be unavailable, delayed, or disrupted due to various factors, including:
- Server, network, or hardware failures (including your own device), telecommunication issues, and other technical disruptions;
- Software failures, including bugs, viruses, configuration errors, or system incompatibilities;
- System overloads;
- Natural disasters, wars, civil unrest, accidents, fires, power failures, or labor strikes;
- Government or regulatory interventions, court decisions, or other external factors beyond our control.
4. Your Account
4.1. Registration. Certain Website features may require registration. By registering, you agree to provide and maintain accurate, current, and complete information about yourself.
4.2. Account Security. You may not use another person’s account or share your login credentials. You are fully responsible for activities under your account and must maintain the confidentiality of your credentials. You agree to notify us immediately of any unauthorized use of your account. We are not liable for any losses resulting from your failure to comply with these obligations.
4.3. Account Termination. We are not responsible for the deletion or failure to store any data or content uploaded to the Website. We reserve the right to terminate inactive accounts and modify storage and account retention policies at our discretion, with or without notice.
5. User-Generated Content
5.1. Content Guidelines. These Terms apply to all User-generated content, including but not limited to posts, images, comments, and reviews.
5.2. Content Ownership. Users grant us a worldwide, non-exclusive, perpetual, irrevocable, royalty-free license to use, modify, and commercially exploit their User-generated content.
5.3. Prohibited Content. Users may not post content that is false, defamatory, abusive, hateful, obscene, sexually explicit, discriminatory, invasive of privacy, copyrighted without authorization, or otherwise illegal or infringing on third-party rights. Any abusive activities or behavior, such as spamming, flooding, using chain letters, pyramid schemes and solicitation, posting promotions, advertisements, or marketing materials, or sending mass emails are strictly prohibited. We reserve the right to remove or edit any User-generated content, including but not limited to posts, links, and promotional information posted to the Website that we consider to be added for promotional or link building purposes at our sole discretion.
5.4. Moderation. User-generated content reflects individual Users’ opinions and not ours. We do not actively monitor User content and assume no responsibility for its accuracy or legality.
5.5. Removal. We reserve the right to remove, edit, or close any User-generated content or User accounts at our sole discretion, particularly if the content is abusive or violates applicable laws or these Terms.
5.6. Data Disclosure. If required by law, we may disclose User information to authorities in response to legal complaints or actions being initiated as a result of any situation caused by the User’s activity on the Website.
5.7. Reviews. Users posting payment provider reviews must ensure they are truthful and reflect their genuine experiences. Users are not allowed to review payment providers with which they have a personal or professional relationship. We reserve the right to remove or edit any User reviews that do not comply with these rules.
5.8. Sharing of Personal Data. We do not share Users’ personal data, including email addresses, with payment providers to help identify the User who submitted a review on our Website. If a payment provider wishes to identify the User or communicate with them, representatives of the payment provider are able to directly respond to the User’s review.
5.9. Payment Provider Representatives. Payment provider representatives may claim their listing on the Website by contacting us at hello@bilixe.com or using “Claim Listing” functionality on the Website. Representatives must adhere to the following specific rules regarding affiliate links and promotional content:
- If the representative posts links to the website of the payment provider they represent, with which we have an affiliate relationship, these links must contain our tracking code;
- If we find that a representative of payment provider does not comply with these rules, we reserve the right to remove their User-generated content, or terminate their User account, at our sole discretion.
6. Data Protection
We respect your privacy. Please refer to our Privacy Notice for details on how we collect, use, and protect your personal data.
7. Disclaimer of Warranties
YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (A) YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK, AND THE WEBSITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND THE RELEASED PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES AS TO PRODUCTS OR SERVICES OFFERED BY BUSINESSES LISTED ON THE WEBSITE, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT; (B) WE MAKE NO WARRANTY THAT (i) THE WEBSITE WILL MEET YOUR REQUIREMENTS, (ii) THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY GOODS OR SERVICES AVAILABLE ON THE WEBSITE WILL MEET YOUR EXPECTATIONS, AND (iv) ANY ERRORS IN THE WEBSITE WILL BE CORRECTED; AND (C) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEBSITE IS ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF ANY SUCH MATERIAL.
8. Limitation of Liability
YOU EXPRESSLY UNDERSTAND AND AGREE THAT WE SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE, UNDER ANY THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STATUTORY OR OTHERWISE), FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF GENERAL ASSEMBLY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE WEBSITE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH, FROM, OR AS A RESULT OF THE WEBSITE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY USER OR THIRD PARTY ON THE WEBSITE; (v) YOUR RELIANCE ON CONTENT MADE AVAILABLE BY US; OR (vi) ANY OTHER MATTER RELATING TO THE WEBSITE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS IN THIS PARAGRAPH MAY NOT APPLY TO YOU. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OUR MAXIMUM LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE WEBSITE OR YOUR USE OF OUR COURSES, REGARDLESS OF THE CAUSE OF ACTION (WHETHER IN CONTRACT, TORT, BREACH OF WARRANTY, OR OTHERWISE), WILL NOT EXCEED ONE HUNDRED DOLLARS ($100).
9. Indemnification
To the fullest extent permitted by law, you agree to release, indemnify and hold us and our affiliates and officers, employees, directors and agent harmless from any from any and all losses, damages, expenses, including reasonable attorneys’ fees, rights, claims, actions of any kind and injury (including death) arising out of or relating to your use of the Website, your connection to the Website, your violation of these Terms or your violation of any rights of another. If you are a California resident, you waive California Civil Code Section 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.” If you are a resident of another jurisdiction, you waive any comparable statute or doctrine.
10. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with Estonian law. Each of the parties irrevocably submits for all purposes in connection with these Terms to the exclusive jurisdiction of the Estonian courts.
11. Termination
11.1. Account Suspension and Termination. You agree that we, at our sole discretion, may suspend or terminate your account (or any part thereof) or your use of the Website and remove or discard any User-generated content for any reason, including, but not limited to, inactivity or if we believe that you have violated or acted inconsistently with the letter or spirit of these Terms. Any suspected fraudulent, abusive, or illegal activity that may lead to the termination of your use of the Website may also be reported to the appropriate law enforcement authorities.
11.2. Website Access. We may, at our sole discretion and at any time, discontinue providing the Website or any part thereof, with or without notice. You agree that any termination of your access to the Website under these Terms may be carried out without prior notice and acknowledge that we may immediately deactivate or delete your account, along with all related information and files, and/or restrict further access to such files or the Website. Furthermore, you agree that we shall not be liable to you or any third party for the termination of your access to the Website.
12. Miscellaneous
12.1. Language. In the event of any discrepancies between the English version of these Terms and translations into other languages available on the Website, the English version shall prevail.
12.2. Amendments. We reserve the right, at our sole discretion, to modify or update portions of these Terms at any time. If we make any changes, we will post the updated Terms on this page and indicate the date of the latest revision at the top of the page. Depending on the nature of the changes, we may also notify you through the user interface, email, or other reasonable means as required by applicable law. Unless stated otherwise, any modifications will take effect no earlier than fourteen (14) days after being posted. However, changes addressing new Website features or legal requirements will take effect immediately. Your continued use of the Website after the effective date of any such changes constitutes your acceptance of the revised Terms.
12.3. Notices. Any notices or other communications provided by us under these Terms will be delivered: (i) via email or (ii) by posting on the Website. Notices sent by email will be deemed received on the date they are transmitted.
12.4. Waiver of Rights. Our failure to enforce any right or provision of these Terms shall not be considered a waiver of such right or provision. A waiver of any right or provision shall be effective only if it is in writing and signed by our duly authorized representative. Except as expressly provided in these Terms, the exercise of any remedy under these Terms by either party shall be without prejudice to any other remedies available under these Terms or applicable law.
13. Contact Information
If you have any questions regarding the use of the Website or these Terms, please contact us at hello@bilixe.com.