Welcome, and thank you for your interest in Pax Credit (Registered as Dotbit Corporation Pte Ltd in Singapore, Dotbit Labs Pvt Ltd in India), along with their affiliates, operating the Pax Credit services (collectively, “Pax Credit”, “we” or “us” ) and our website at www.paxcredit.com, along with our related websites, networks, applications, and other services provided by us (collectively, our “Services” ). These Terms of Use govern your use of the Services.

1. Use of the Services
Pax Credit allows users to pay bills they receive from secondary schools, colleges, and universities, accommodation providers, standardized examinations, visa fee, and facilitates money between family members for which we serve as payment agent (each payment recipient, a “Designated Entity”). We may work with local banks, locally-licensed payment entities, foreign exchange providers, credit card processors, credit card schemes (such as Visa and MasterCard), and other third-party service providers (each, a “Service Provider”) to receive and/or settle payments to a Designated Entity’s bank account.

2. Payment Settlement Made By Users
Users payment will go directly into the Designated Entity’s bank account and will not go through a Pax Credit’s bank account. With respect to such payments, Pax Credit does not serve as an agent of the Designated Entity.

3. Eligibility
You must be at least 18 years of age to use the Services. By agreeing to these Terms of Pax Credit, you represent and warrant to us that: (a) you are at least 18 years of age; (b) you have not previously been suspended or removed from Pax Credit Services, and (c) your registration and your use of the Services complies with all applicable laws and regulations. Pax Credit’s Services may not be available in whole or in part in all jurisdictions. We will inform you in the process of signing up or attempting to enter a Transaction whether we can serve your jurisdiction.

4. User Accounts and Registration.
To access features of our Services, you may be required to register for a user account. When you register for a user account, you may be required to provide us with some information about yourself, such as your email address or other contact information. You agree to provide us only with accurate information, and you agree to keep such information accurate and up-to-date at all times. If you register, you will be asked to provide a password. You are solely responsible for maintaining the confidentiality of your user account and password, and you accept responsibility for all activities that occur under your access credentials. You agree to keep your access credentials confidential and secure. If you have reason to believe that your user account has been compromised, then you must immediately notify us at hello@paxcredit.com.

5. Payment.
5.1. Payments Generally.
Entering into a Transaction, or using other features of our Services, may require you to pay fees and/or may result in compensation for Pax Credit for currency conversion or other services Pax Credit provides. The total Transaction amount displayed will be inclusive of any fees (including foreign exchange fees charged by us and our Service Providers) applicable to the Transaction (excluding any fees that may be applicable for any refund Transactions). By continuing with the Transaction, you agree to pay the total Transaction amount requested by Pax Credit. We have no control over and are not responsible for any fees or charges for the Transaction that may be imposed by a financial institution (such as your bank) or other payment provider, including Service Providers. We are not responsible for any insufficient funds charges, chargeback fees, international wire fees, or other, similar charges that any other party might impose on you. We are not responsible for any taxes, duties, levies, withholdings or other liabilities that may be imposed on your Transaction (collectively, “Taxes”), and we are not responsible for any penalty, fine, surcharge, interest, charges or costs relating to such Taxes.

5.2. Pax Credit’s Role.
You acknowledge that: Pax Credit is a third-party service provider facilitating payments to Designated Entities. The payments you make to a Designated Entity are transactions between you and the Designated Entity and satisfy all or part of your payment obligation to the Designated Entity.
Pax Credit is not your financial institution and is not a money transmitter. Pax Credit does not receive, hold, process or transfer any funds on your behalf. Pax Credit is not responsible if you do not complete a payment to a Designated Entity.

5.3. Foreign Exchange Fees.
The exchange rate applied to a particular Transaction is effective only for that Transaction and for the Designated Entity that you indicated you will pay. The payment amount received from the payer, excluding applicable fees and prior to any foreign exchange conversion applied by Pax Credit and our Service Providers for the Designated Entity (the “Amount Received”), will be the only amount processed by Pax Credit to the Designated Entity. If you wish to make additional payments, a different exchange rate may apply.

5.4. Material Currency Fluctuations and Other Extraordinary Events.
Pax Credit may, in its sole discretion and at any time, cancel a booked Transaction due to material changes in exchange rate fluctuations or due to other circumstances beyond our control. In such instances, you will be notified of the cancellation and have the option to rebook a Transaction with us at a newly quoted exchange rate. If delivery of the funds you have paid has been initiated, you will receive a refund of the amount sent to us. The refund will be delivered to your originating payment account as soon as is practicable.

5.5. Delays; Availability.
Your payment may be delayed or cancelled in the course of our efforts to verify your identity, validate your Transaction instructions, contact and locate you, and otherwise comply with internal protocols of verification of identity against government-issued sanctions or watch lists, or any other applicable international, national, federal, provincial, or local law. Your payment may be delayed or cancelled if you engage any third-party service provider that Pax Credit has not designated or approved to process, transfer, and/or settle funds on your behalf. In such situations, Pax Credit needs to exert additional efforts to verify your service provider’s identity, validate Transaction instructions conducted through such service provider and contact and locate such service provider to ensure that Transactions comply with applicable international, national, federal, state, provincial, or local law. Business hours and currency availability may also cause a delay. While we make reasonable efforts to ensure that Transactions are processed in a timely manner, we make no representations or warranties that we will complete processing of a Transaction or regarding the time needed to complete processing. Services depend on many factors outside our control. Nevertheless, you may be entitled to a refund in certain circumstances, at our discretion, as described in these Terms. The Services may not be available to all users at all times. We may, in our sole discretion, refuse Transactions funded from certain payment instruments.

5.6. Refunds.
We are not responsible for providing refunds of any payment Transaction made through Pax Credit to a Designated Entity. The Designated Entity to which you have made a payment will determine your eligibility for a refund. You, therefore, should contact the Designated Entity directly for further details on obtaining a refund. Subject to limited exceptions, all refunds processed by Pax Credit will be returned to the originating account in the originating currency. Pax Credit has sole discretion to determine the applicable foreign exchange rate and other fees applicable to your refund and the amount you receive back may be less the amount you paid in the original Transaction. Subject to applicable regulations and policies of our payment partners, we may not be able to refund to you an amount that exceeds the amount paid in the original currency. We may charge additional fees, including a 1% refund processing charge, that apply to the processing of your refund request.

5.7. Verifying Information; No Changes.
You authorize us, directly or through third parties, to make any inquiries we consider necessary to validate the information you have provided to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address or financial instruments, verifying your information against third party databases or through other sources. We do not let you change the details of your payment once you have submitted it through the Services. It is your responsibility to make sure your payment details are accurate before they are submitted.

User Content.
6.1. User Content Generally.
Certain features of the Services may permit users to upload content to the Services, including reviews, data, text, and other types of works ( “User Content” ) and to publish User Content on the Pax Credit Services. You retain copyright and any other proprietary rights that you may hold in the User Content that you post to the Services.

6.2. Limited License.
6.2.1. Grant to Pax Credit.
By posting or publishing User Content, you grant Pax Credit a worldwide, non-exclusive, royalty-free, fully paid right and license (with the right to sublicense) to host, store, transfer, display, perform, reproduce, modify for the purpose of formatting for display, and distribute your User Content, in whole or in part, in any media formats and through any media channels now known or hereafter developed.

6.2.2. Grant to User.
Pax Credit grants you a limited, revocable, non-sublicensable license to access and use the Services and all content, data, information, and materials included in the Services solely for your own personal use, or other users. All such personal uses of these limited licenses are subject to these Terms. All other rights are reserved by Pax Credit. You agree that you will not modify, copy, distribute, resell, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another web page, or use the Services except as explicitly authorized in these Terms. You will not use the Services or any of the Pax Credit Services other than for their intended purpose or in any way that is unlawful or harms us or our service providers.

6.3. User Content Representations and Warranties.
You are solely responsible for your User Content and the consequences of posting or publishing User Content. By posting or publishing User Content, you affirm, represent, and warrant that:

a. you are the creator and owner of the User Content, or have the necessary licenses, rights, consents, and permissions to authorize Pax Credit and users of the Services to use and distribute your User Content as necessary to exercise the licenses granted by you in this section, in the manner contemplated by Pax Credit, the Services, and these Terms; and

b. your User Content, and the use of your User Content as contemplated by these Terms, does not and will not: (i) infringe, violate, or misappropriate any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right; (ii) slander, defame, libel, or invade the right of privacy, publicity or other property rights of any other person; or (iii) cause Pax Credit to violate any law or regulation.

6.4. User Content Disclaimer.
We are under no obligation to edit or control User Content that you or other users post or publish and will not be in any way responsible or liable for User Content. Pax Credit may, however, at any time and without prior notice, screen, remove, edit, or block any User Content that in our sole judgment violates these Terms or is otherwise objectionable. You understand that when using the Services you will be exposed to User Content from a variety of sources and acknowledge that User Content may be inaccurate, offensive, indecent, or objectionable. You agree to waive, and do waive, any legal or equitable right or remedy you have or may have against Pax Credit with respect to User Content. We expressly disclaim any and all liability in connection with User Content. If notified by a user or content owner that User Content allegedly does not conform to these Terms, we may investigate the allegation and determine in our sole discretion whether to remove the User Content, which we reserve the right to do at any time and without notice. For clarity, Pax Credit does not permit copyright-infringing activities in connection with anyone’s use of the Services.

7. Prohibited Conduct

7.1. use the Services for any illegal purpose or in violation of any international, national, federal, state, provincial, or local law;

7.2. violate, or encourage others to violate, any right of a third party, including by infringing or misappropriating any third party intellectual property right;

7.3. post, upload, or distribute any User Content or other content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, embarrassing, hateful, or otherwise inappropriate;

7.4. interfere with security-related features of the Services, including by: (a) disabling or circumventing features that prevent or limit use or copying of any content; or (b) reverse engineering or otherwise attempting to discover the source code of any portion of the Services except to the extent that the activity is expressly permitted by applicable law;

7.5. interfere with the operation of the Services or any user’s enjoyment of the Services, including by: (a) uploading or otherwise disseminating any virus, adware, spyware, worm, or other malicious code; (b) making any unsolicited offer or advertisement to another user of the Services; (c) attempting to collect personal information about another user or third party without consent; or (d) interfering with or disrupting any network, equipment, or server connected to or used to provide the Services, or violating any regulation, policy, or procedure of any such network, equipment, or server;

7.6. use the Services for any of the following activities: sexually oriented materials or services, gambling activities, fraud, money-laundering, the funding of terrorist organizations, or the purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances;

7.7. use the Services other than for the processing of payments to a Designated Entity;

7.8. use the Services to submit a Transaction on behalf of any other person unless there is a legal reason and provided there is a relationship between the parties;

7.9. register for more than one user account on the Services, without our prior written permission;

7.10. provide false, inaccurate, or misleading information;

7.11. refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;

7.12. use an anonymous proxy;

7.13. use any robot, spider, other automatic device, or manual process to monitor or copy our Site without our prior written permission;

7.14. frame any elements of the Services with any other website without our prior written permission;

7.15. perform any fraudulent activity including impersonating any person or entity, claiming a false affiliation, accessing any other Pax Credit user account without permission, or falsifying your age or date of birth;

7.16. sell or otherwise transfer the access granted under these Terms or any Materials (as defined in Section 12) or any right or ability to view, access, or use any Material;

7.17. refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;

7.18. use the Services in any manner not expressly authorized by Pax Credit, including, without limitation, aggregation of payments without the payer and payment details that Pax Credit, its Service Providers, and/or other financial institutions require and any behaviour that suggests or implies a partnership, affiliation, joint venture, or other relationship with Pax Credit; or

7.19. attempt to do any of the acts described in this Section 7, or assist or permit any person in engaging in any of the acts described in this Section 7.

8. Third-Party Services and Linked Websites.
Pax Credit may provide tools through the Services that enable you to export information, including User Content, to third-party services, including through features that allow you to link your user account on Pax Credit with an account on the third-party service, such as Twitter or Facebook, or through our implementation of third party buttons (such as “like” or “share” buttons). By using one of these tools, you agree that we may transfer that information to the applicable third-party service. Third-party services are not under our control, and we are not responsible for any third-party service’s use of your exported information. The Services may also contain links to third-party websites. Linked websites are not under our control, and we are not responsible for their content. We prohibit the use of any links to the Services from any other websites unless we approve the establishment of the link in advance.

9. Termination of Use; Discontinuation and Modification of the Services.
You may terminate your user account at any time by contacting customer service at hello@paxcredit.com. If you terminate your user account, you remain obligated to pay all outstanding fees relating to your use of the Services, if any, incurred prior to termination. If you violate any provision of these Terms, your permission to use the Services will terminate automatically. In addition, Pax Credit may in its sole discretion terminate your user account on the Services or suspend or terminate your access to the Services at any time for any reason or no reason, with or without notice. We also reserve the right to modify or discontinue the Services at any time (including by limiting or discontinuing certain features of the Services), temporarily or permanently, without notice to you. We will have no liability whatsoever on account of any change to the Services or any suspension or termination of your access to or use of the Services.

10. Privacy Policy; Additional Terms.
10.1. Privacy Policy.
Please read the Pax Credit Privacy Policy carefully for information relating to our collection, use, storage and disclosure of your personal information. The Pax Credit Privacy Policy is incorporated by this reference into, and made a part of, these Terms.

10.2. Additional Terms.
Your use of the Services is subject to all additional terms, policies, rules, or guidelines applicable to the Services or certain features of the Services that we may post on or link to from the Services (the “Additional Terms” ), such as end-user license agreements for any downloadable software applications or rules applicable to a particular feature or content on the Services, subject to Section 12. All Additional Terms are incorporated by this reference into, and made a part of, these Terms.

11. Modification of these Terms.
We reserve the right, at our discretion, to change these Terms on a going-forward basis at any time. Please check these Terms periodically for changes. If a change to these Terms materially modifies your rights or obligations, you may be required to accept the modified Terms in order to continue to use the Services. Material modifications will be effective upon the published effective date. Immaterial modifications are effective upon publication. Disputes arising under these Terms will be resolved in accordance with the version of these Terms that was in effect at the time the dispute arose.

12. Ownership; Proprietary Rights
12.1. Generally.
The Services are owned and operated by Pax Credit. The visual interfaces, graphics, design, compilation, information, data, computer code (including source code and object code), products, software, services, and all other elements of the Services (“Materials”) provided by Pax Credit are protected by intellectual property and other laws. All Materials included in the Services are the property of Pax Credit or our third-party licensors. Except as expressly authorized by Pax Credit, you may not make use of the Materials. Pax Credit reserves all rights to the Materials not granted expressly in these Terms.

12.2. Trademarks.
The trademarks, logos and service mark appearing on the Services, including, but not limited to, the trademark: “Pax Credit” are the trademarks and service marks of Pax Credit. Other company, product, and service names and logos used and displayed on the Services may be trademarks or service marks of their respective owners who may or may not endorse or be affiliated with or connected to us. Nothing on the Services should be construed as granting, by implication or otherwise, any license or right to use any of trademarks and service marks displayed on the Services, without our prior written permission in each instance.

13. Force Majeure.
We will not be liable for any failure or delay in performance under these Terms or in connection with the Services due to any cause beyond our reasonable control, including pandemics, acts of war, acts of God, terrorism, earthquake, flood, embargo, riot, sabotage, labour shortage or dispute, governmental act or failure of the Internet.

14. Contact Information.
The Services are offered by Pax Credit. You may contact us by sending correspondence to our headquarters, located at 03-01, 32 Carpenter St Singapore 059911, or by emailing us at hello@paxcredit.com.

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