Terms of Service

These Terms of Service (“Terms”) govern access to and use of the website and any related pages, subdomains, forms, and content (the “Website”) operated by TOPXPAY PAYMENT SERVICES PROVIDER – FZCO (“TOPXPAY”, “we”, “us”, “our”). By accessing or using the Website, you agree to these Terms. If you do not agree, do not use the Website.

1. Purpose of the Website

The Website is provided for general information purposes and may allow you to submit inquiries, request contact, or initiate a preliminary application for TOPXPAY services. Information on the Website does not constitute legal, financial, regulatory, or other professional advice.

2. No Offer; No Services Provided via Website

The Website and its content do not constitute an offer, solicitation, or binding commitment to provide any payment services. Any services (if any) are provided only under a separate written agreement executed between TOPXPAY and the relevant client/merchant (e.g., a merchant agreement, order form, schedule, or similar documents) (“Service Agreement”). In case of conflict between these Terms and any Service Agreement, the Service Agreement prevails for the services covered by it.

3. Eligibility and Acceptable Use

You agree that you will use the Website only for lawful purposes and in accordance with these Terms. You must not:

• •use the Website in violation of any applicable law or regulation;
• •interfere with, disrupt, or attempt to gain unauthorized access to the Website, servers, or networks;
• •introduce viruses, malware, or other harmful code;
• •scrape, harvest, or collect data from the Website in an automated manner without our prior written consent;
• •misrepresent your identity or submit false, misleading, or incomplete information through the Website.

We may suspend or restrict access to the Website at any time, without liability, if we reasonably believe it is necessary to protect the Website, users, or TOPXPAY.

4. Information You Submit

If you submit information through the Website (e.g., via a contact form), you represent that the information is accurate and that you have the right to provide it. You agree to keep such information up to date if applicable.

We may use submitted information to respond to your request, evaluate a potential business relationship, perform reasonable compliance checks, and for operational/security purposes, in accordance with our Privacy Policy.

5. Intellectual Property

All content on the Website (including text, graphics, logos, trademarks, and design elements) is owned by or licensed to TOPXPAY and is protected by applicable intellectual property laws. You may view and use the Website for your internal business purposes, but you may not copy, modify, distribute, sell, or create derivative works from any part of the Website without our prior written consent.

6. Third-Party Links

The Website may include links to third-party websites or services. We do not control and are not responsible for third-party content, policies, or practices. Accessing third-party resources is at your own risk.

7. Disclaimers

To the maximum extent permitted by law:

• •The Website and all content are provided on an “as is” and “as available” basis.
• •We make no warranties of any kind, express or implied, including warranties of accuracy, completeness, non-infringement, merchantability, or fitness for a particular purpose.
• •We do not warrant that the Website will be uninterrupted, error-free, secure, or free of harmful components.

8. Limitation of Liability

TOPXPAY shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, goodwill, reputation, or data arising out of or relating to your use of (or inability to use) the Website.

9. Indemnity

You agree to defend, indemnify, and hold harmless TOPXPAY from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Website; (b) your violation of these Terms; or (c) your submission of unlawful or infringing content/information.

10. Changes to the Website and Terms

We may modify, suspend, or discontinue any part of the Website at any time. We may also update these Terms from time to time by posting an updated version on the Website and revising the “Last updated” date. Continued use of the Website after changes means you accept the updated Terms.

11. Governing Law and Jurisdiction

These Terms are governed by the laws of the United Arab Emirates. Any dispute arising out of or in connection with these Terms or the Website shall be subject to the exclusive jurisdiction of the competent courts of the UAE.

12. Contact

If you have questions about these Terms or the Website, contact us at: