1. About Ballance

Ballance provides tools to help individuals and businesses manage payments, cards, and related financial workflows. Ballance does not provide legal, accounting, or tax advice.

2. Eligibility

To use Ballance, you must:

• Be at least 18 years old

• Have the authority to enter into these Terms on behalf of yourself or your organisation

• Provide accurate and complete information during registration

We reserve the right to refuse or suspend access if eligibility requirements are not met.

3. Account Registration and Security

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

Ballance is not responsible for losses caused by compromised credentials due to your failure to secure your account.

4. Use of Services

You agree to use Ballance only for lawful purposes and in compliance with applicable laws and regulations.

You must not:

• Misuse the Services

• Attempt to gain unauthorised access to systems or data

• Interfere with the operation or security of the platform

• Use the Services in a way that could harm Ballance or other users

5. Payments, Fees, and Billing

Some Services may require payment. Pricing, billing cycles, and payment terms will be presented at the time of purchase.

By subscribing, you authorise Ballance to charge applicable fees using your selected payment method. Fees are non-refundable unless otherwise stated.

We may update pricing with reasonable notice.

6. Third-Party Services

Ballance may integrate with or rely on third-party services. We are not responsible for the availability, accuracy, or performance of third-party products or services.

Your use of third-party services is subject to their own terms and policies.

7. Intellectual Property

All content, software, trademarks, and materials provided by Ballance are owned by or licensed to Ballance.

You may not copy, modify, distribute, or reverse engineer any part of the Services without prior written permission.

8. Data and Privacy

Your use of Ballance is subject to our Privacy Policy, which explains how we collect, use, and protect personal data.

By using the Services, you consent to data processing as described in that policy.

9. Suspension and Termination

We may suspend or terminate access to the Services if:

• You violate these Terms

• Required by law or regulation

• Continued access poses risk to Ballance or others

You may stop using the Services at any time. Certain obligations will survive termination.

10. Disclaimers

The Services are provided “as is” and “as available.”
We do not guarantee uninterrupted or error-free operation.

To the fullest extent permitted by law, Ballance disclaims all warranties, express or implied.

11. Limitation of Liability

To the maximum extent permitted by law, Ballance will not be liable for indirect, incidental, or consequential damages, including loss of profits, data, or business opportunities.

Our total liability will not exceed the amount paid by you for the Services in the preceding 12 months.

12. Changes to These Terms

We may update these Terms from time to time. Changes will take effect when posted. Continued use of the Services constitutes acceptance of the updated Terms.

13. Governing Law

These Terms are governed by the laws of [Insert jurisdiction], without regard to conflict of law principles.