Terms and Conditions for Payclusive

Effective Date: January 1, 2025

Welcome to Payclusive! These Terms and Conditions ("Terms") govern your access to and use of the Payclusive platform and services provided by Arikassia. By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing and using Payclusive ("Service"), you accept and agree to be bound by these Terms and all applicable laws and regulations. If you do not agree to these Terms, you may not access or use the Service. These Terms apply to all users of the Service, including but not limited to browsers, vendors, customers, merchants, and content creators.

2. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any significant changes by updating the effective date at the top of this page. Your continued use of the service after any such changes constitutes your acceptance of the new Terms. You are advised to review these Terms periodically for any changes.

3. Account Registration and Security

To access certain features of the Service, you may be required to register for an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

You are responsible for maintaining the confidentiality of your account and password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to comply with this requirement.

4. Eligibility

You must be at least 18 years old to use the Service. By using the Service, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.

5. Description of Services

Payclusive provides a digital payment platform that enables users to:

  • Transfer funds to other Payclusive users
  • Make payments to merchants and service providers
  • Purchase digital goods and services including game credits, mobile top-ups, and vouchers
  • Manage account balances and transaction history
  • Access loyalty and reward programs

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time without notice. We may also impose limits on certain features or restrict your access to parts or all of the Service without notice or liability.

6. User Responsibilities

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the Service for any illegal or unauthorized purpose
  • Interfere with or disrupt the Service or servers or networks connected to the Service
  • Attempt to gain unauthorized access to any portion of the Service
  • Transmit any viruses or malicious code
  • Use the Service to transmit or store any content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable

7. Fees and Payment Terms

We may charge fees for certain services. All fees are non-refundable except as expressly provided in our Refund Policy. We reserve the right to change our fee structure at any time with prior notice. You are responsible for paying all fees associated with your use of the Service.

8. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Arikassia and its licensors. The Service is protected by copyright, trademark, and other laws of both United States and foreign countries.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Arikassia.

9. User Content

You retain any intellectual property rights you hold in content you submit, post, or display on or through the Service. By submitting, posting, or displaying content, you grant us a worldwide, non-exclusive, royalty-free license to use, copy, reproduce, process, adapt, modify, publish, transmit, display, and distribute such content.

10. Account Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service.

11. Limitation of Liability

In no event shall Arikassia, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

  • Your access to or use of or inability to access or use the Service
  • Any conduct or content of any third party on the Service
  • Any content obtained from the Service
  • Unauthorized access, use or alteration of your transmissions or content

12. Governing Law

These Terms shall be governed and construed in accordance with the laws of United States, without regard to its conflict of law provisions.

13. Dispute Resolution

Any dispute arising out of or in connection with these Terms shall be resolved through good faith negotiations. If a dispute cannot be resolved amicably, it shall be submitted to the exclusive jurisdiction of the courts of United States.

14. Regulatory Compliance

Payclusive operates in compliance with applicable regulations in United States, including but not limited to regulations set forth by Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI). Users are expected to comply with all applicable laws and regulations when using the Service.

15. Contact Information

If you have any questions about these Terms, please contact us at [email protected].