Terms of Service

1. Use of the Site

You agree to use the Site and our services only for lawful purposes and in accordance with these Terms.

You may not:

• Use the Site in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to the Site or our systems
• Interfere with the functionality, security, or integrity of the Site
• Use automated tools (bots, scrapers, scripts) without written permission

We reserve the right to terminate or restrict access to users who violate these Terms.

2. Financial Services Disclaimer

GalaPay provides financial-related services and resources, but use of the Site does not create a financial advisory, fiduciary, or client relationship unless a formal written agreement is executed.

Content on the Site:

• Is for informational purposes
• Should not be considered financial, legal, or tax advice
• May not reflect the most current regulatory or industry changes

Users should consult qualified professionals before making financial decisions.

3. Eligibility

By using this Site, you represent that:

• You are at least 18 years old
• You have the legal capacity to enter into a binding agreement
• You are not barred from using the Site under applicable laws

4. Accounts and Registration (If Applicable)

If the Site offers account creation:

• You agree to provide accurate and complete information
• You are responsible for maintaining the confidentiality of your login credentials
• You must notify us immediately of unauthorized access or security breaches

We may suspend or terminate accounts for suspicious, fraudulent, or abusive activity.

5. Intellectual Property

All content on the Site—including text, graphics, logos, icons, images, designs, software, and trademarks—is owned by GalaPay or its licensors and is protected by copyright and intellectual property laws.

You may not:

• Copy, reproduce, distribute, or modify Site content
• Use our trademarks or branding without written permission
• Reverse engineer or decompile any software on the Site

6. Third-Party Services and Links

The Site may contain links to third-party websites, tools, or services.

We are not responsible for:

• The content, policies, or accuracy of third-party sites
• Any transactions or interactions you have with third parties

Use of third-party services is at your own risk.

7. Limitation of Liability

To the fullest extent allowed by law:

GalaPay is not liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data
• Business interruption
• System failures or errors

Use of the Site and services is at your own risk. We do not guarantee uninterrupted or error-free operation.

8. No Warranty

The Site and its content are provided "as is" and "as available" without warranties of any kind, express or implied, including:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness

9. Indemnification

You agree to indemnify and hold harmless GalaPay, its officers, employees, agents, partners, and affiliates from any claims, liabilities, damages, losses, or expenses arising out of:

• Your use of the Site
• Violation of these Terms
• Violation of any applicable laws

10. Changes to These Terms

We may update or modify these Terms at any time. Changes will be effective when posted on the Site with a revised "Last Updated" date.

Continued use of the Site after changes constitutes acceptance of the updated Terms.

11. Termination

We may suspend or permanently terminate access to the Site:

• For violation of these Terms
• For unlawful activity
• For any reason at our discretion

Upon termination, all rights you have under these Terms immediately cease.

12. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles.

Any disputes shall be resolved exclusively in state or federal courts located in New York, NY.

13. Contact Information

For questions about these Terms, contact us: