Terms & Conditions
You agree to use this website and service only as a payment method for lawful purchases made at businesses offering Protapay. Protapay is a program offered to businesses and consumers to facilitate a payment plan over time for the retail purchase of goods and/or services from those businesses by consumers. No other use is permitted or implied. A business shall be an establishment making retail sales where an exchange of money for goods and/or services legally takes place.
Protapay transactions may only be completed in person between yourself and the business.
You understand and agree that there is no guarantee of acceptance by registering on this website, nor is there a guarantee of any specific amount, limit, or ability to purchase from any business even if accepted.
There are no affiliations between Protapay and any business or individual beyond Protapay providing payment plans for services to those businesses or individuals.
Protapay does not endorse any business, nor any product or service offered for sale by any business. Only you and the business will determine the fitness for use, merchantability, and/or value of a product and/or service offered by that business.
Further, you understand and agree to hold Protapay harmless and forever release, remise, covenant not to sue, and discharge Protapay from any and all past, present, and future claims, actions, suits, debts, sums of money, accounts, damages, costs, expenses, dues, interest, bonds, judgments, attorney’s fees, demands, or obligations of any nature, whatsoever, whether arising in law or in equity, in contract or in tort arising out of a purchase or attempted purchase made from any business using Protapay.
Any warranty of merchantability or fitness for use, in writing, by operation of law, implied, or otherwise, shall be provided by the business or as agreed to by the party providing it who is engaging in the transaction with you. Protapay does not warranty any product and/or service offered by any business.
You understand and agree that Protapay does not exercise any control or influence over the prices a business may charge for products and/or services it offers for sale.
You understand and agree that Protapay does not govern the methods, practices, or actions of any business beyond processing transactions, nor is Protapay responsible in any way for the results of those methods, practices, or actions.
You understand and agree that any business using Protapay is not an agent, employee, or in any way a representative of Protapay, nor is Protapay an agent, employee, or representative of that business.
You agree to provide Protapay true and accurate information during the registration process and at any time thereafter requested by Protapay.
You agree to fulfill payment arrangements in accordance with any payment plan agreed to. In the event of a dispute or claim over any element of a purchase or attempted purchase, you will make every effort to resolve it with the business the purchase was made from.
You understand and agree that the information you enter on this website will be made available in whole or part to those businesses that attempt to use Protapay. Protapay will make a reasonable effort to safeguard the information you enter here.
You understand and agree that Protapay is not liable in any way for the dissemination of information you enter here, and the results thereof once you make that information available to any business. You understand and agree to hold Protapay harmless and forever release, remise, covenant not to sue, and discharge Protapay from any and all past, present, and future claims, actions, suits, debts, sums of money, accounts, damages, costs, expenses, dues, interest, bonds, judgments, attorney’s fees, demands, or obligations of any nature, whatsoever, whether arising in law or in equity, in contract or in tort, arising out of a the dissemination of information you enter here.
Access by a business to your information shall be a result of you disclosing your driver license or state issued ID in any form, or by any method to that business. That information may include, but is not limited to, your complete name, address, phone, e-mail, employer name, bank account, spending history, and income. You accept full responsibility for maintaining the privacy and security of the ID, PIN number, and e-mail address used to access the information you enter here.
If at any time during the course of a payment plan you wish to unwind or otherwise cancel a sale in whole or in part, you will notify and make Protapay and the store the payment plan is within aware in writing prior to the payment or payments becoming due that you wish to discontinue.
Terminating any payment plan prior to fulfillment by any means does not cancel the debt owed to the business or Protapay. The sum total of any remaining payments not made will immediately become due and payable to you on the date following termination of the plan by you.
Protapay is void in whole or in part where prohibited. Some business types are not acceptable to Protapay based upon various factors as determined by Protapay and will not be given access to Protapay, making that business unavailable for you to use Protapay. Others may be given limited access that may restrict the plan amount that is able to be used at that location. Plan limit amounts are based on your ability to repay an obligation as determined by various factors, including but not limited to income, cost of living, spending habits, and the parameters of the store a purchase is made at.
Please read these terms, conditions, and privacy statements carefully. By accessing this website, you understand and agree to be bound by the following. These terms, conditions, notices, disclosures, and privacy statements are subject to change from time to time, and any changes made will be incorporated in the document herein. If you do not agree with any of the terms, conditions, notices, disclosures, and/or privacy statements, do not access this website. All of these terms, conditions, notices, disclosures, and privacy statements are in addition to and made part of any contract or agreement we may enter into with you. Failure to abide by the terms and conditions given here, in your agreement with us, or elsewhere may minimally result in restricted, suspended, or terminated access with this website and/or Protapay.
Unauthorized use or access of this site or any system of Protapay is strictly prohibited. Unauthorized use or access includes the following but is not limited to: use of a password or user name not expressly given to you by Protapay; access or attempted access to information not your own; access or use of information obtained for the benefit of parties not under contract with Protapay; and access or use of information outside the scope of your agreement with Protapay and any other use not expressly granted by Protapay.
You understand and agree not to attempt to log in from any country under sanctions by the Office of Foreign Assets Control. You agree not to sell, disseminate, or otherwise transfer any information from this site or systems of Protapay to any third party unless Protapay expressly states its authorization to do so. If authorized, it shall only be for the intended and sole purpose in that authorization. No information on this site should be considered a solicitation or offer unless specifically stated.
You agree not to use this site, its information, access, Protapay systems, or data acquired to engage in any activities contrary to law, regulation, or outside the scope or intent of the Protapay contract with you.
Protapay does not guarantee a specific and perfect performance of this website. Acts of God, natural disasters, malfunctions, or other activities may impede, slow, or disrupt service availability. It is beyond Protapay’s ability to know when and if any of these events may occur or how long a disruption will last.
This site and systems of Protapay are provided “AS IS” and “AS AVAILABLE”. Under no circumstances will Protapay be liable for any lost profits, opportunity, or damages whether they be direct, indirect, or exemplary arising out of the use, inability to use, or misuse of this site, or information obtained from this site or the systems of Protapay.
Information We Collect
The privacy notice applies to information collected by this website and that which is stored in Protapay, notifying you of the following: what personally identifiable information is collected from you through the website; how that information is used; with whom that information may be shared; what choices are available to you regarding the use of your data; the security procedures in place to protect the misuse of your information; and how you can correct any inaccuracies in the information. Protapay only has access to collect information that you voluntarily give via this website, e-mail, or other direct contact from you. For all users, IP addresses are collected and stored as a security measure to help safeguard against unauthorized access.
Use of Collected Information
We may, from time to time, contact a third party to confirm information you have given us. Those third parties would include, but are not limited to, employers, banks, holding accounts, government agencies, or businesses where you may be making a purchase. We will not sell or rent this information to anyone. We will use your information to respond to you regarding the reason you contacted us, to complete, alter, or void a financial transaction you are involved with, or as required by U.S. law. We may contact you via email in the future to alert you to changes in your account, information, transactions, or upcoming transaction amounts due, payable, canceled, or changed.
You may opt out of any future contacts from us at any time so long as there are no amounts owed or potentially owed us. You can do so at any time by logging into your account, contacting us via email, or at the phone number provided.
Identifying information may be retained indefinitely on an individual or business entity if it is discovered or believed the individual or entity is engaged in or attempted to engage in any act that would result in a financial loss to Protapay whether intentional or not.
We take precautions to protect your information, so when you submit sensitive information via the website, it is protected both online and offline. Wherever we collect sensitive information (such as bank account data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or by looking for “https” at the beginning of the address in the browser address bar. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees or agents who need the information to perform a specific task, such as billing, confirmations, or customer service, are granted access to personally identifiable information.
The information on this site is and shall always be the exclusive property of Protapay. No person or entity of any kind may use the information or content on this site for any purpose beyond that which Protapay describes as the intended use of that information. Violating this term may result in legal action against such person or entity, including but not limited to litigation proceedings.