Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and SurcoPay ("Company," "we," "our," or "us") concerning your access to and use of the SurcoPay platform and services.

By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use our services.

2. Eligibility

To use SurcoPay, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete registration information
• Comply with all applicable laws and regulations
• Not be prohibited from using our services under applicable laws

3. Account Registration and Security

3.1 Account Creation

You must create an account to use our services. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

3.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach

3.3 Account Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms, fraudulent activity, or any other reason we deem appropriate.

4. Use of Services

4.1 Platform Services

SurcoPay provides a platform for selling digital products. We facilitate payment processing, file delivery, and transaction management but do not own, control, or endorse the products sold through our platform.

4.2 Acceptable Use

You agree not to:

• Use our services for any illegal or unauthorized purpose
• Sell illegal, counterfeit, stolen, or fraudulent products
• Infringe upon intellectual property rights of others
• Transmit viruses, malware, or harmful code
• Engage in fraudulent transactions or chargebacks
• Harass, abuse, or harm other users
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the operation of our services

4.3 Prohibited Products

You may not sell:

• Illegal goods or services
• Pirated or unauthorized copyrighted content
• Adult content or services (subject to our policies)
• Weapons, drugs, or controlled substances
• Stolen goods or fraudulent items

5. Payment Terms

5.1 Platform Fees

SurcoPay is currently free to use. You only pay the standard fees charged by your payment providers (Stripe, PayPal, ATH Móvil). We reserve the right to introduce platform fees in the future with 30 days' notice.

5.2 Payment Processing

All payments are processed through third-party payment providers. You must comply with their terms of service. We are not responsible for any fees, charges, or issues arising from payment provider services.

5.3 Refunds and Chargebacks

You are responsible for managing refunds to your customers. Excessive chargebacks may result in account suspension. We reserve the right to hold funds or terminate accounts with high chargeback rates.

6. Intellectual Property

6.1 Your Content

You retain all rights to the digital products and content you upload. By using our services, you grant us a limited license to host, store, and deliver your content to facilitate sales.

6.2 Our Platform

The SurcoPay platform, including all software, code, designs, and trademarks, is our property and protected by intellectual property laws. You may not copy, modify, or reverse engineer any part of our platform.

6.3 Copyright Infringement

We respect intellectual property rights and expect our users to do the same. We will respond to valid DMCA takedown notices and may terminate accounts of repeat infringers.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SURCOPAY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

Our total liability to you for any claims arising from your use of our services shall not exceed the amount you paid to us in the 12 months preceding the claim.

8. Disclaimers

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not guarantee that our services will be uninterrupted, secure, or error-free. We do not warrant the quality, accuracy, or reliability of any products sold through our platform.

9. Indemnification

You agree to indemnify, defend, and hold harmless SurcoPay and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from your use of our services, violation of these Terms, or infringement of any third-party rights.

10. Dispute Resolution

10.1 Informal Resolution

Before filing a claim, you agree to contact us at support@surcopay.com to attempt to resolve the dispute informally.

10.2 Arbitration

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration, except where prohibited by law.

10.3 Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

11. Data and Privacy

Your use of our services is also governed by our Privacy Policy. By using our services, you consent to our collection and use of your information as described in our Privacy Policy.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of our services after changes constitutes acceptance of the modified Terms.

13. Termination

Either party may terminate this agreement at any time:

• You may close your account at any time from your dashboard
• We may suspend or terminate your account for violation of these Terms
• We may discontinue our services with 30 days' notice

Upon termination, you will lose access to your account and data. Sections of these Terms that by their nature should survive termination shall survive.

14. Severability

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

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and SurcoPay concerning your use of our services and supersede all prior agreements and understandings.

16. Contact Information

If you have questions about these Terms, please contact us: