Use of this site is provided by HowToPay subject to the following Terms and Conditions:

1. Your use of this website constitutes acceptance of these Terms and Conditions as at the date of your first use of the site.

2. HowToPay reserves the right to change these Terms and Conditions at any time by posting changes online. Your continued use of this site after changes are posted constitutes your acceptance of the updated Terms and Conditions.

3. You agree to use this site only for lawful purposes, and in a manner that does not infringe the rights of, restrict, or inhibit the use and enjoyment of the site by any third party.

4. This site and the information, names, images, pictures, and logos regarding or relating to HowToPay are provided “as is” without any representation or endorsement and without warranty of any kind, whether express or implied. To the fullest extent permitted by law, HowToPay will not be liable for any damages including, without limitation, indirect or consequential damages, or any damages whatsoever arising from the use of, or in connection with, such use or loss of use of the site, whether in contract, negligence, or otherwise.

5. HowToPay does not warrant that the functions contained in this site will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses, bugs, or other harmful components. HowToPay does not warrant or make any representations regarding the accuracy, reliability, completeness, or timeliness of the materials on this site.

6. Copyright and intellectual property: unless otherwise stated, all content on this site is owned by or licensed to HowToPay. You must not copy, reproduce, republish, download, post, broadcast, transmit, make available to the public, or otherwise use the content on this site except for your own personal, non-commercial use, without prior written permission from HowToPay.

7. HowToPay takes no responsibility for the content of external internet sites. Any links to third-party websites are provided for convenience only and do not constitute endorsement of those websites.

8. Any communication or material that you transmit to, or post on, any public area of the site including any data, questions, comments, suggestions, or the like, is, and will be treated as, non-confidential and non-proprietary information, unless otherwise required by applicable law.

9. If there is any conflict between these Terms and Conditions and any rules and/or specific terms of use appearing on this site relating to specific material or services, the latter shall prevail.

10. These Terms and Conditions shall be governed by and construed in accordance with the laws applicable to the country/jurisdiction in which HowToPay operates, unless otherwise stated. Any disputes shall be subject to the exclusive jurisdiction of the competent courts of that jurisdiction.
11. If these Terms and Conditions are not accepted in full, the use of this site must be terminated immediately.