Terms Conditions

Paydoly Terms and Conditions

Effective Date: 10/01/2025

Thank you for choosing Paydoly. These Terms and Conditions (the "Terms") constitute a legally binding agreement between you (the user) and Paydoly ("Company", "we", "us", or "our") regarding your use of Paydoly’s services, website, and applications (collectively, the "Services"). By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and any other policies referenced herein. If you do not agree with these Terms, you must not use the Services.

1. Introduction

About Paydoly: Paydoly is a secure online payment and money transfer platform that allows personal and business users to send, receive, and manage funds in multiple currencies easily and safely. These Terms govern all aspects of your access to and use of the Services. By using Paydoly, you agree to comply with these Terms and all applicable laws and regulations.

Definitions: In these Terms, "you" or "User" refers to the individual or entity using the Services. If you are using the Services on behalf of a business or other organization, you represent that you have authority to bind that entity to these Terms, and "you" will also refer to that entity. "Paydoly", "we", or "us" refers to Paydoly Inc. and its affiliates. Other capitalized terms may be defined within these Terms.

2. Account Registration and Eligibility

To use our Services, you must create a Paydoly account. You agree to provide truthful, accurate, and complete information during registration and to keep your account information updated at all times.

• Eligibility: You must be at least 18 years old (or the age of majority in your jurisdiction) and capable of entering into a legally binding contract to use Paydoly. Users under 18 (if any) may only use the Services with verifiable parental or legal guardian consent, as permitted by us and by law.
• Business Accounts: If you open an account on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms and that the entity is duly organized and in good standing under applicable law. Such accounts must be used solely for business purposes.
• Account Information: All information you provide during signup and in your account must be accurate, current, and complete. This includes your name, contact information, payment information, and any identity verification documents we may request. You agree to promptly update your account details if they change. You are responsible for the accuracy of the information you provide; we will not be liable for any issues (including misdirected funds) arising from errors in the information you supply.
• Identity Verification: You authorize Paydoly to verify your identity and eligibility at any time. We may require you to provide additional information or documentation (e.g. government issued ID, proof of address, or business documentation) and may make inquiries via third parties (such as identity verification services, credit bureaus, or other databases) to confirm your identity and manage risk. If you do not provide or confirm required information, we may suspend or terminate your account.
• Account Security: You are responsible for maintaining the confidentiality of your account login credentials (username, password, and any two factor authentication codes) and for all activities that occur under your account. Do not share your password or secure access to your account with anyone. If you suspect any unauthorized access or breach of your account, you must notify us immediately. Paydoly will not ask you for your password via email or phone.

3. Services and Permissible Use

Paydoly provides an online platform for peer to peer and business payments, transfers, and related financial services. By using the Services, you agree to use them only for their intended and lawful purposes.

• Permitted Uses: You may use our Services only for lawful purposes and in compliance with these Terms and applicable policies. This means you can send or receive payments, manage your digital wallet, and use other features as intended by Paydoly for personal or internal business needs.
• Prohibited Uses: You may NOT use Paydoly for any unlawful, fraudulent, or unauthorized purpose. This includes (but is not limited to) engaging in or facilitating: money laundering, terrorism financing, fraud, scam activities, drug or human trafficking, gambling services (where restricted), the sale of illegal or counterfeit goods, pornography or exploitation, intellectual property infringement, or any activity that violates any law or regulation. You also may not use the Services in a manner that could harm Paydoly or any third party, or that interferes with the normal functioning of the Services (for example, by distributing viruses, performing hacking or denial of service attacks, or circumventing security measures). We reserve the right to screen, monitor, and investigate transactions for compliance purposes.
• Compliance with Laws: You agree to comply with all applicable laws and regulations in connection with your use of the Services. This includes laws and regulations on financial services, anti money laundering (AML), know your customer (KYC) requirements, anti fraud, and economic sanctions. You represent that you are not on any government sanctions list and are not using the Services in a country or region that is embargoed or prohibited by law. We may report suspicious activities to the relevant authorities as required by law.
• Restricted and Unavailable Jurisdictions: Paydoly may restrict or prohibit access to the Services in certain countries or regions in order to comply with legal requirements. You agree not to use Paydoly if you are located in a jurisdiction where such use would violate local law or expose Paydoly to legal liability.

4. Payments, Fees, and Currency Conversion

By initiating any payment or money transfer through Paydoly, you authorize us to process the transaction and debit or credit your linked payment instrument or Paydoly balance as necessary. All transactions are subject to these Terms and any additional terms presented in the interface at the time of the transaction.

• Fees: Paydoly is committed to low fees and transparency. Some basic services may be offered with no or zero fees, but certain transactions or advanced services may incur fees. You agree to pay all applicable fees associated with your use of our Services, as described on our website or mobile app, or disclosed to you at the time of the transaction. Any fees will be clearly presented to you before you confirm a transaction. We promise no hidden fees: what you see is what you pay. However, we reserve the right to introduce new fees or change existing fee amounts in the future. If we do so, we will provide you with notice in accordance with Section 13 (Changes to Terms). In general, if fees change, we will notify you in advance (e.g., via email or through the Service) and such changes will apply prospectively.
• Currency Exchange: If you send or receive money in a currency different from your account’s primary currency, Paydoly will handle the currency conversion. We aim to offer competitive exchange rates. The applicable exchange rate will be disclosed to you at the time of the transaction (for example, when you set up a transfer and choose the currency). You acknowledge that exchange rates fluctuate and may change between the time you initiate a transaction and the time it is processed, though we will endeavor to use the rate as quoted at the initiation if the transaction is completed promptly. In some cases, currency conversions might include a small markup or fee (which will be included in the rate shown to you). By proceeding with a transaction involving currency conversion, you accept the exchange rate offered. We are not responsible for any loss due to currency value fluctuations.
• Billing and Payment Methods: When you fund a transfer or payment, you may do so via your Paydoly wallet balance, bank account, credit or debit card, or other payment methods we support. Payment method and billing details are confirmed during account setup or at the time of transaction. You authorize Paydoly (and our authorized payment processors) to charge your chosen payment method for any amounts that you owe (such as transfer amounts, fees, or any other amounts due under these Terms). If we offer service plans or tiers, the billing terms for those plans will be as specified at signup.
• Third Party Charges: Paydoly is not responsible for any fees or charges imposed by third parties in connection with your transactions. For example, your bank or card issuer may charge fees (such as cash advance fees, foreign transaction fees, or overdraft fees) if applicable. Also, when you send money to someone’s bank account, the recipient’s bank or intermediary banks might levy their own fees, which are outside of our control. You may also incur data or messaging charges from your mobile carrier while using our app. All such third party fees are your responsibility.
• Taxes: It is your responsibility to determine what taxes, if any, apply to payments or transfers you make or receive, and to collect, report, and remit the correct tax to the appropriate tax authority. Paydoly does not automatically calculate or withhold taxes on transactions since the platform is generally used for personal remittances and business payments that do not involve the sale of goods or services by Paydoly. However, if we are required by law to collect VAT, sales tax, or any other taxes or governmental fees, we reserve the right to add such amounts to the fees charged to you or to withhold such amounts from payouts, as applicable. We will clearly indicate when any tax is being collected by us. You agree that Paydoly is not providing tax advice and you should consult your own tax advisor if you have questions about tax obligations.

5. Transactions and Limitations

• Transaction Execution: After you submit a transfer or payment request, we will attempt to execute it promptly. Most Paydoly peer to peer transfers occur instantly or within minutes. However, external transfers (like to a bank account or card) may take longer to settle depending on banking hours, weekends or holidays, or the processing times of our partner financial institutions. We make no guarantee that transfers will be completed within a specific timeframe and are not liable for delays outside our control (for example, delays caused by downstream banks or compliance checks). We will notify you through the app or via email if we become aware of an unusual delay or issue with your transaction.
• Transaction Limits: For security, compliance, and risk management reasons, Paydoly may set limits on the amount and frequency of transactions you can send or receive. These limits may be per transaction, per day, per month, or other intervals, and may vary based on factors such as your account history, verification status, and legal requirements. Some limits may be displayed in your account or FAQs (for instance, certain currency exchange transactions may have caps). We reserve the right to modify these limits from time to time, with or without prior notice. If you attempt a transaction that exceeds your current limit, we may decline it and notify you that a limit has been reached. You can contact us to request a higher limit, but approvals are at our discretion and may require additional verification.
• Accuracy of Recipient Information: When you send money, you must provide correct details for the recipient (such as the recipient’s email, phone number, Paydoly account ID, or bank account information). You are solely responsible for verifying the accuracy of the recipient information before completing a transaction. Paydoly does not verify that the recipient details you entered correspond to your intended recipient. If you send funds to the wrong account due to a typo or incorrect information provided, we cannot guarantee recovery of those funds. Always double check the recipient’s details that you enter.
• Irrevocable Transfers: In general, once a payment or transfer is submitted and processed by Paydoly, it cannot be canceled or refunded. You acknowledge that Paydoly transactions are typically final and that we may not be able to reverse or cancel a transaction upon your request. Please verify transaction details carefully before submission.
• Right to Block or Reverse Transactions: Paydoly reserves the right to block, hold, or reverse transactions that we believe may be fraudulent, unauthorized, illegal, or in violation of these Terms or any applicable law. We may also reverse transactions if required by court order, regulator, or law enforcement, or to correct errors. We will attempt to notify you if we take such action, unless prohibited by law.
• Funding and Sufficient Balance: You are responsible for ensuring you have sufficient funds or credit in your selected payment method to cover the total cost of any transfer or payment, including fees. If your account balance or payment method does not have enough funds to cover a transaction, the transaction may fail or overdraft charges may apply from your bank or card issuer. Paydoly is not responsible for any insufficient funds or overdraft fees charged by third parties.
• Receipts and Transaction History: Paydoly provides electronic receipts and transaction histories via your account dashboard. You agree to review transaction details promptly and to report any discrepancies or unauthorized transactions to us immediately. Your transaction history is stored electronically and can be downloaded or exported for your records. We may retain transaction records as required by law or for legitimate business purposes.

6. User Responsibilities and Obligations

• Account Security and Use: You are solely responsible for safeguarding your account credentials and for any activities conducted through your account. Do not share your login information or allow others to use your account. You must immediately notify us of any unauthorized access or suspicious activity.
• Up to Date Information: You agree to keep your contact and payment information up to date. Failure to keep your details current may result in transaction delays or the inability to receive important notifications.
• Compliance and Cooperation: You will cooperate with any requests from Paydoly or regulatory authorities related to your use of the Services, such as verifying your identity, providing documentation, or answering questions. Cooperation helps ensure compliance with applicable laws and promotes a secure and trustworthy platform.
• Third Party Agreements: Your use of the Services may be subject to additional terms, conditions, or policies from third parties (such as your bank, card issuer, or mobile carrier). It is your responsibility to comply with those agreements. Paydoly is not a party to any agreements between you and third party providers.
• Prohibited Activities: You will not engage in activities that violate these Terms, including intellectual property infringement, misrepresentation of identity, creating multiple accounts to evade limits or restrictions, using automated scripts or bots to access the Service, distributing malware or harmful code, or harassing or abusing other users.
• Notifications and Communication: You consent to receive electronic communications from Paydoly regarding your account, transactions, and updates. We may also send you marketing communications, but you can opt out of those separately. You are responsible for monitoring your email, in app messages, and account notifications for important updates.

7. Intellectual Property

• Ownership: All content, design elements, trademarks, logos, and other intellectual property related to the Services are owned by Paydoly or its licensors. You acknowledge that you acquire no ownership rights by using the Services.
• License to You: Subject to your compliance with these Terms, Paydoly grants you a limited, non exclusive, non transferable, and revocable license to use the Services and access content for personal or internal business purposes. This license does not include any right to reproduce, modify, distribute, or create derivative works from the content.
• User Content: If you post, upload, or transmit any content (such as text, images, or data) through the Service, you grant Paydoly a non exclusive, worldwide, royalty free license to use, display, reproduce, and distribute that content for the purpose of providing the Service. You represent that you have the right to grant this license and that your content does not infringe any third party rights.
• Third Party IP: The Services may include references or links to third party trademarks, names, or content. Such references do not imply endorsement or sponsorship by Paydoly. All third party intellectual property rights remain the property of their respective owners.

8. Privacy and Data Protection

• Use of Your Data: Your personal information is collected, used, and protected in accordance with our Privacy Policy. Please read the Privacy Policy for more detail on how we handle your data.
• Sharing of Data: We may share your information with third party service providers or partners who help us operate the Services (such as payment processors or identity verification services), but only to the extent necessary to provide the Service. We will not sell your personal data to third parties for their own marketing.
• Cross Border Data: Your data may be transferred to and processed in countries other than your own. We take steps to ensure such transfers comply with applicable privacy laws and that your information remains protected.
• User Responsibilities: You are responsible for maintaining the confidentiality of any personal data you access through the Service (for example, if you receive another user’s information). You must use such information only for lawful purposes and in accordance with these Terms.
• Data Retention: We retain personal data for as long as necessary to fulfill the purposes described in our Privacy Policy or as required by law. You may request deletion of your data, subject to legal or regulatory requirements.

9. Third Party Services and Links

• No Endorsement: Paydoly may provide links to or integrations with third party websites, services, or content. These links are provided for convenience and do not constitute endorsement or sponsorship by Paydoly.
• Third Party Terms: When you use third party services, you may be subject to their own terms and policies. Paydoly is not responsible for the content, privacy practices, or security of third party services.
• No Liability: Paydoly does not guarantee the accuracy, completeness, or usefulness of any third party content or services. Your use of third party services is at your own risk, and Paydoly disclaims any liability arising from such use.
• Third Party Content: Any third party content (such as articles, information, or opinions) accessed through the Services is provided as is for informational purposes only. Paydoly is not responsible for verifying the accuracy of third party content and does not endorse it.

10. Disclaimers of Warranty

The Services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Paydoly disclaims all warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non infringement. Paydoly makes no warranty that the Services will meet your requirements or be available without interruption, timely, secure, or error free. Paydoly does not warrant the accuracy or reliability of any information obtained through the Services. The Services may contain beta or experimental features that are provided for testing and feedback purposes only, and we make no guarantees about their performance or accuracy.

11. Limitation of Liability

To the fullest extent permitted by law, Paydoly shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunities, arising out of or related to your use of the Services, whether in contract, tort, negligence, strict liability, or otherwise. In no event shall Paydoly’s total liability to you for any claim arising out of or relating to these Terms or the Services exceed the amount of fees you paid to Paydoly for the Service in the 3 months immediately preceding the event giving rise to the claim, or US $100 (or equivalent in local currency), whichever is greater. This limitation of liability is cumulative and not per incident.

User’s Own Actions: Paydoly is not liable for your own actions or omissions. You are solely responsible for the consequences of your decisions when using the Services – for example, sending a payment to the wrong person or failing to comply with law when using Paydoly.

No Liability for Third Party Services: Any disputes you have with others (including recipients of funds, or providers of goods or services you pay using our Service) must be resolved directly with those parties. Paydoly is not responsible for any underlying commercial transaction between you and a third party, even if you used Paydoly to facilitate payment. Similarly, any issues arising from third party banks or networks (such as delays in ACH or wire processing) are outside of our control and liability.

12. Indemnification

You agree to indemnify, defend, and hold harmless Paydoly, its affiliates, officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your Use of the Services
• Your Breach
• Illegal or Wrongful Acts
• Third Party Rights

13. Suspension and Termination

• By You (Termination): You may close your Paydoly account at any time if you no longer wish to use our Services. You can do this by following the account closure instructions provided on our website or app. Account closure is effective after we process your request. Upon closure, you must cease using the Services. Any pending transactions prior to closure may be canceled, and any remaining balance belonging to you will be handled in accordance with our policies (for example, refunded to your linked bank or card, subject to verification and legal compliance). Closing your account does not immediately delete all your data – we will retain and use data as required for legal compliance and internal purposes (see Privacy Policy).
• By Us (Suspension or Termination): We reserve the right to suspend, limit, or terminate your account or access to the Services at our discretion, with or without notice, if we suspect that: (a) you have violated any of these Terms or any applicable law; (b) you have engaged or are likely to engage in any fraudulent, dishonest, or illegal activities; (c) you have provided false or misleading information or refused to provide information we require; (d) you are infringing on third party rights or exposing us to legal liability; or (e) your use of the Services is causing harm to others or to our platform (e.g., by hacking attempts, abuse, or causing undue strain on our infrastructure). We may also suspend your account if required by court order, law enforcement, or regulatory request, or during investigation of a suspected violation or security issue.
• Effect of Suspension or Termination: In the event your account is suspended or terminated by us, we will attempt to notify you (unless legally prohibited). During suspension, you may not be able to initiate new transactions or access certain features, but you may be allowed to log in to view your account or contact support. If your account is terminated, your right to use the Services ceases immediately. We may cancel any open transactions and attempt to return any funds associated with your wallet to their source (minus any fees or amounts owed to Paydoly, which may be deducted). Any funds that cannot be returned (for example, if regulations require us to hold or surrender them) will be handled in accordance with applicable laws (such as escheatment laws for unclaimed property). Termination of your account will not affect any rights or obligations incurred prior to the termination.
• Appeal and Reinstatement: If you believe your account was suspended or terminated in error, you may contact us to request a review. We may, in our sole discretion, restore access to your account if we determine appropriate after such review. However, we are under no obligation to reinstate accounts that were terminated for cause.
• Survival: Any provisions of these Terms that by their nature should survive termination (such as indemnification, limitations of liability, governing law, etc.) will remain in effect even after your access to the Services has been terminated.

14. Governing Law, Jurisdiction, Arbitration, Class Action Waiver, and U.S. Operational Limitations

14.1 Governing Law: These Terms are governed by and shall be construed in accordance with the laws of the State of Georgia, USA, without regard to its conflicts of law rules. For users located in the Dominican Republic, local laws will apply to any transactions or matters occurring within that jurisdiction.

14.2 Jurisdiction and Venue: For U.S. users, you agree that any dispute, claim, or controversy arising from or relating to these Terms or the Services (collectively, “Disputes”) shall be resolved exclusively by the state or federal courts located in Fulton County, Georgia. For Dominican users, Disputes shall be resolved in the competent courts of the Dominican Republic.

14.3 Arbitration Agreement: Except for claims seeking injunctive or equitable relief, any Dispute between you and Paydoly arising out of or relating to these Terms or the Services shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its rules. The arbitration shall take place in Atlanta, Georgia, USA, or another mutually agreed location. The arbitrator’s decision shall be final and binding, and judgment may be entered in any court of competent jurisdiction.

You acknowledge and agree that arbitration shall be conducted on an individual basis only, and not in a class, collective, consolidated, or representative proceeding. Nothing in this Section shall preclude Paydoly from seeking injunctive or other equitable relief in any court of competent jurisdiction to protect its rights or interests pending arbitration.

14.4 Arbitration Opt Out: You may elect to opt out of the arbitration agreement set forth in Section 14.3 by submitting a written notice to Paydoly within thirty (30) days of the date you first accept these Terms. The notice must include your full name, address, email associated with your Paydoly account, and a clear statement that you wish to opt out of the arbitration agreement. Opt out notices must be sent to: legal@paydoly.com.

If you opt out of arbitration, you agree to resolve any Disputes exclusively in the courts identified in Section 14.2.

14.5 Dominican Republic Dispute Resolution: In the event a Dispute arises in the Dominican Republic and arbitration is not applicable or permitted under local law, you agree to first provide Paydoly with written notice of the Dispute and allow Paydoly a reasonable opportunity to resolve the matter informally. If the parties are unable to reach a resolution within a reasonable period, such Dispute shall be submitted to the competent courts of the Dominican Republic.

14.6 Class Action Waiver: To the fullest extent permitted by applicable law, you and Paydoly waive any right to bring or participate in any class, collective, consolidated, or representative action, whether in arbitration or in court. All claims and disputes between the parties must be adjudicated or arbitrated on an individual basis. If the class action waiver is found to be unenforceable, the arbitration agreement in Section 14.3 shall be null and void, and any such Dispute shall be resolved exclusively in the courts identified in Section 14.2.

14.7 U.S. Operational Limitations: Paydoly Inc. is registered as a Money Services Business (MSB) with FinCEN for the limited purpose of handling U.S. dollar wallet functionality. Paydoly does not currently maintain physical operations in the United States and does not hold Money Transmitter Licenses (MTLs) in all states. Accordingly, U.S. based users are prohibited from sending or receiving funds through the Paydoly platform at this time. The Services are not available for transactional use within the United States, and any attempt to use the platform for such purposes is strictly prohibited and may result in account suspension or termination.

14.8 State Specific Restrictions – California Users: Due to regulatory requirements and Paydoly’s current licensing status, the Services are not offered to residents of the State of California. By accepting these Terms, you represent and warrant that you are not a resident of California and will not access or use the Services from within California. Any such use shall be deemed a material breach of these Terms and may result in immediate account suspension or termination.

14.9 Consumer Protection: Nothing in this Section shall be construed to limit any non waivable rights you may have under applicable consumer protection laws. To the extent mandatory local law requires the application of certain dispute resolution mechanisms or consumer protections, such provisions shall apply to the extent they are not inconsistent with this Section.

15. Changes to Terms

Paydoly may modify or update these Terms from time to time. If we make material changes, we will notify you by updating the “Effective Date” at the top of the Terms and, in some cases, we may provide additional prominent notice (such as via email or in app notification).

• Notice and Acceptance of Changes: Changes will typically become effective 30 days after we post the revised Terms or provide notice, unless a shorter period is required to comply with legal requirements. We will indicate the effective date of the updated Terms. Your continued use of the Services after the effective date of the changes constitutes your acceptance of the revised Terms. If you do not agree with the changes, you must stop using the Services and may close your account before the changes take effect.
• Non Material Changes: Non material changes (such as minor textual edits, clarifications, or updates that do not reduce your rights) may become effective immediately upon posting. We encourage you to review these Terms periodically for any changes.
• Policy Updates: Sometimes we may need to update other policies (like the Privacy Policy, or specific service terms). We will handle those updates as described in the respective policy (often similarly requiring notice and acceptance).
• Archived Versions: For your convenience, we may maintain prior versions of these Terms or a summary of changes on our website. If you have any questions about a change, please contact us for clarification.

16. Miscellaneous Provisions

• Entire Agreement: These Terms (along with any documents incorporated by reference, such as the Privacy Policy and any applicable addenda or service specific agreements) constitute the entire agreement between you and Paydoly regarding the Services, and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Services.
• No Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.
• Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible and the remaining provisions of the Terms will remain in full force and effect. The invalid or unenforceable part will be deemed modified to the least degree necessary to remedy such invalidity or unenforceability, while preserving the original intent of the parties as much as possible.
• Assignment: You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. Any attempted assignment without consent will be null and void. Paydoly may freely assign or transfer these Terms (in whole or in part) as part of a merger, acquisition, reorganization, or sale of assets, or by operation of law or otherwise. These Terms shall bind and inure to the benefit of the parties, their successors, and permitted assigns.
• Relationship of Parties: Nothing in these Terms shall be construed to create a partnership, joint venture, agency, or employment relationship between you and Paydoly. We are an independent contractor for all purposes. You have no authority to bind Paydoly or to incur any obligation on Paydoly’s behalf.
• Third Party Beneficiaries: These Terms are for the benefit of you and Paydoly only, and except as expressly provided herein, they are not intended to confer any rights or remedies on any third party (except that Paydoly’s affiliates and subsidiaries are deemed third party beneficiaries of these Terms, with the right to enforce the provisions that confer benefits or protections on them).
• Headings: Section headings in these Terms are for convenience only and have no legal or contractual effect.
• Language: These Terms may be translated into other languages for your convenience, but the English version (if provided) will govern in the event of any conflict or ambiguity between versions.
• Notices to You: We may provide notices or communications to you by email, through the Service (e.g., in app notifications), or by posting on our website. You agree that such electronic notices have the same meaning and effect as if we provided you with a physical copy. It is your responsibility to keep your contact information (especially email) current so that you can receive notices.
• Notices to Us: You may contact us or provide official notices to us as described in the “Contact Us” section below. If any provision of law requires that a notice be given via a specified legal process (e.g., service of process in a lawsuit), you must comply with those requirements as well.

17. Contact Us

If you have any questions, concerns, or feedback regarding these Terms or the Services, please do not hesitate to contact us. We are here to help and address any issues you might encounter.

• Email: You can reach our support team by emailing support@paydoly.com (or the specific support email provided on our website). Please include your name, contact information, and a description of your inquiry or issue.
• Website Help Center: Visit our Help Center on the Paydoly website for FAQs, guides, and the option to submit support requests.
• In App Support: If you are using our mobile app, you may use the in app chat or support feature to communicate with a Paydoly representative.
• Mailing Address: Dominican Republic: Av. Núñez de Cáceres No. 256, El Millón, Santo Domingo, Districto Nacional, Dominican Republic. United States: 1201 W Peachtree St. NW. Ste 2367, Atlanta, GA. 30309

We will do our best to respond to all customer inquiries in a timely manner. If you need to report a lost or stolen account or unauthorized transaction, please contact us immediately via the fastest method (such as email or in app chat) so we can take action.

By using Paydoly’s Services, you acknowledge that you have read and agree to these Terms and Conditions in their entirety. We appreciate your trust in Paydoly for your payment and money transfer needs, and we look forward to serving you with a secure and user friendly experience.

Thank you for choosing Paydoly!