Legal Information

Important legal documents and terms that govern our services and your relationship with AGA PayWise.

Terms of Service

Last updated: December 2024

1. Acceptance of Terms

By accessing and using AGA PayWise services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on AGA PayWise's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • Modify or copy the materials
  • Use the materials for any commercial purpose or for any public display
  • Attempt to reverse engineer any software contained on the website
  • Remove any copyright or other proprietary notations from the materials

3. Service Description

AGA PayWise provides digital payment and financial services including but not limited to:

  • Digital wallet services
  • Payment processing and transfers
  • RentFlow payment automation
  • Credit building tools
  • Rewards and cashback programs
  • Business payment solutions

4. User Responsibilities

As a user of our services, you agree to:

  • Provide accurate and complete information
  • Maintain the security of your account credentials
  • Comply with all applicable laws and regulations
  • Not use our services for illegal or unauthorized purposes
  • Report any suspicious activity immediately

Regulatory Compliance

Financial Regulations

Compliant with all applicable financial regulations including PCI DSS, GDPR, and local banking laws.

Licensing

Licensed as a Money Services Business (MSB) and registered with FinCEN in the United States.

Data Protection

Full compliance with GDPR, CCPA, and other data protection regulations worldwide.

Audit & Monitoring

Regular audits and continuous monitoring to ensure regulatory compliance and security.

Disclaimers & Limitations

Service Availability

While we strive for 99.9% uptime, we do not guarantee uninterrupted service. We reserve the right to modify, suspend, or discontinue services with reasonable notice.

Limitation of Liability

AGA PayWise shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services.

Third-Party Services

Our services may integrate with third-party providers. We are not responsible for the privacy practices or content of these external services.

Intellectual Property

All content, features, and functionality of the AGA PayWise platform, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, are the exclusive property of AGA PayWise Inc. and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

Trademarks

"AGA PayWise," "PayWise," "RentFlow," and related logos are trademarks of AGA PayWise Inc. All other trademarks, service marks, and trade names are the property of their respective owners.

Governing Law & Dispute Resolution

Governing Law

These terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

Dispute Resolution

Any disputes arising from these terms or our services shall be resolved through binding arbitration in accordance with the American Arbitration Association rules.

Contact Information

For legal inquiries: legal@agapaywise.com
For specific contact information, visit our contact page.