Welcome to InvaPay. These Terms of Service (“Terms”) govern your access to and use of the InvaPay Platform, website, and related services (collectively, the “Services”) provided by InvaPay Ltd (“InvaPay”, “we”, “us”, or “our”), a company registered in England and Wales.

By creating an account, accessing, or using our Services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our Services.

1. About InvaPay

InvaPay Ltd is a company registered in England and Wales (Company No. 15342780), with its registered office at Janelle House, 6 Hartham Lane, Hertford, England, SG14 1QN.

InvaPay is an applicant for authorisation as a Small Payment Institution with the Financial Conduct Authority (FCA) under the Payment Services Regulations 2017.

2. Eligibility

To use InvaPay, you must:

• Be at least 18 years of age
• Be a registered business, freelancer, sole trader, or authorised representative of a business operating in the United Kingdom
• Have the legal capacity to enter into a binding agreement
• Complete our identity verification (KYC) process where required

We reserve the right to refuse service to anyone who does not meet these eligibility requirements.

3. Account Registration

To access the InvaPay Platform, you must register for an account and provide accurate, current, and complete information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activity that occurs under your account
• Notifying us immediately of any unauthorised use of your account

InvaPay is not liable for any loss or damage arising from your failure to safeguard your account credentials.

4. Description of Services

InvaPay provides an invoice creation, payment processing, and payment tracking platform designed for UK businesses. Our Services include:

• A smart invoice builder for creating professional invoices
• Secure, shareable payment links for clients
• AI-powered automated payment reminders
• A real-time dashboard for tracking invoice status
• Blockchain-based settlement ledger for transaction transparency
• Multi-currency payment support

InvaPay acts as a payment facilitator and does not provide investment, tax, or legal advice. We do not guarantee that any invoice will be paid by the payer.

5. Identity Verification (KYC) and Anti-Money Laundering (AML)

As an applicant for FCA authorisation, InvaPay is required to implement Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures in line with the Money Laundering Regulations 2017.

By using our Services, you agree to:

• Provide valid government-issued identification
• Provide proof of address and, where applicable, business registration documents
• Cooperate with any additional verification checks we may require
• Allow us to share information with regulatory authorities, law enforcement, or third-party verification providers where legally required

We reserve the right to suspend or terminate accounts that fail to complete verification or that we reasonably believe are being used for unlawful purposes.

6. Fees and Charges

Fees for use of the InvaPay Platform are set out on our Pricing page and may vary depending on your selected plan (Starter, Growth, or Business).

• Fees are quoted in GBP unless otherwise stated
• We reserve the right to change our fees at any time, with at least 30 days’ notice provided to active account holders
• Continued use of the Services after a fee change constitutes acceptance of the new fees

You are responsible for any third-party charges (such as bank transfer fees or currency conversion fees) that may apply to transactions processed through InvaPay.

7. Payments and Settlement

When you create and send an invoice through InvaPay, your client may pay via the secure payment link provided. Upon successful payment:

• The transaction is recorded on InvaPay’s blockchain settlement ledger
• Funds are processed and settled to your designated account, typically within 1–3 business days depending on the payment method and destination
• InvaPay does not hold client funds for longer than is necessary to process and settle the transaction, in accordance with applicable safeguarding requirements

InvaPay is not responsible for delays caused by third-party banks, payment networks, or incorrect account details provided by the user.

8. User Responsibilities and Acceptable Use

When using InvaPay, you agree that you will not:

• Use the Services for any unlawful, fraudulent, or deceptive purpose
• Issue invoices for goods or services that do not exist or were not provided
• Attempt to launder money or facilitate money laundering through the platform
• Circumvent, disable, or interfere with the security features of the Services
• Use the Services to harass, defraud, or mislead any third party
• Misrepresent your identity or the identity of your business

We reserve the right to investigate any suspected violation of these Terms and to suspend or terminate accounts found to be in breach, and to report suspicious activity to the National Crime Agency (NCA) or other relevant authorities as required by law.

9. Data Protection and Privacy

Your use of InvaPay is also governed by our Privacy Policy, which explains how we collect, use, store, and protect your personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

By using our Services, you consent to the collection and processing of your data as described in our Privacy Policy.

10. Intellectual Property

All content, branding, software, design, and technology associated with the InvaPay Platform are the property of InvaPay Ltd or its licensors and are protected by applicable intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Services or included software without prior written consent from InvaPay.

11. Service Availability

We aim to keep the InvaPay Platform available at all times, but we do not guarantee uninterrupted access. We may suspend or restrict access to the Services for maintenance, updates, security reasons, or due to circumstances beyond our reasonable control.

We will endeavour to provide reasonable notice of any planned downtime where possible.

12. Limitation of Liability

To the extent permitted by law:

• InvaPay’s total liability to you for any claim arising from or related to these Terms or your use of the Services shall not exceed the total fees paid by you to InvaPay in the 12 months preceding the claim
• InvaPay shall not be liable for any indirect, incidental, special, or consequential damages, including loss of profits, revenue, data, or business opportunities
• InvaPay is not liable for any losses arising from a client’s failure or refusal to pay an invoice

Nothing in these Terms excludes or limits liability for death, personal injury, fraud, or any other liability that cannot be excluded under applicable law.

13. Indemnification

You agree to indemnify and hold harmless InvaPay Ltd, its directors, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your breach of these Terms
• Your violation of any applicable law or regulation
• Your use or misuse of the Services
• Any inaccurate, fraudulent, or misleading information you provide

14. Suspension and Termination

We may suspend or terminate your access to the Services, with or without notice, if:

• You breach these Terms
• We are required to do so by law or by a regulatory authority
• We reasonably suspect fraudulent, unlawful, or harmful activity associated with your account
• You fail to complete or maintain required identity verification

You may close your account at any time by contacting us at support@invapay.ltd. Upon termination, certain obligations (such as data retention for AML compliance) will continue to apply as required by law.

15. Changes to These Terms

We may update these Terms from time to time to reflect changes in our Services, legal requirements, or business practices. We will notify users of material changes by email or via a notice on our website at least 14 days before the changes take effect.

Your continued use of the Services after the effective date of any updated Terms constitutes your acceptance of those changes.

16. Governing Law and Jurisdiction

These Terms, and any dispute or claim arising out of or in connection with them, shall be governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

17. Contact Us

If you have any questions about these Terms, please contact us:

InvaPay Ltd Janelle House, 6 Hartham Lane, Hertford, England, SG14 1QN Email: info@invapay.ltd Phone: +44 7988 512545

For legal enquiries: legal@invapay.ltd