Section I - Definitions

1.1    Site: Welcome to the Site. This website is www.paygramcorp.com

1.2    Notice: You agree to accept and to be bound by these Basic Terms and Conditions of Use and the Privacy Policy. Please read this Notice carefully before using the Site.  By viewing or otherwise using this Site, you are agreeing you are 18 or older and agreeing to be bound by the following terms and conditions of use, which together with our Privacy Policy govern the relationship between you and the Provider of the Site.

1.3    Privacy Policy: Access our Privacy Policy here. [insert hyperlink to: your Privacy Policy]

1.4    Changes: We reserve the right to, in our sole discretion, change, modify, add, or delete portions of this Notice at any time. We will provide notice of such changes only by posting the updated Notice on our Site and changing the "last updated" date associated with this Notice. This Notice applies exclusively to your access to, interaction with, and use of, this Site and does not alter in any way the terms or conditions of any other agreement you might have with the Company or the Site. We encourage you to review our Notice each time you visit our site to check if it has been updated since your last visit. If you have any questions or comments regarding the use of the Site, please direct your questions or comments to [info@paygramcorp.com].

1.5    Company/Provider: PayGram Corporation, a Washington Corporation, USA, is the owner and Provider of the Site.  The Company's registered office is located in Covington, Washington State. The Company is also referenced as "us" or "we" within this Notice.

1.6    User: You are the User if you access, use view contents, images or information on or from the Site. The User is also referenced as "you" or "your" within this Notice.

1.7    Submitted Item:  Any photograph, image, video, "favorites" list, comments, feedback, content or material, and other information, content or material, or other item that you or your agents disclose, email, fax, offer, text, or post to the Site or the Company.

Section II - Site Use. The use of the Site is subject to the following terms of use:

2.1    The content of the pages of the Site and courses available on the Site is for your general information and use only. It is subject to change without notice.

2.2    Your use of any information or materials on the Provider Site is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this Site meet your specific requirements. No physical construction services or materials will be provided through the Site.  Verifying the accuracy of each items' details (including, but not limited to, color, price, dimensions, availability) in the Shopping List is the responsibility of the Resident and the Site is not liable for any changes made after the final design has already been approved. THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. THE SITE DOES NOT REPRESENT OR WARRANT THAT MATERIALS ON THIS WEB SITE OR THAT INFORMATION PROVIDED IS ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE.

2.3    By offering Submitted Items to the Site, either online or offline, whether or not solicited by the Company or the Site, you hereby grant to the Site an irrevocable, nonexclusive, perpetual, worldwide, royalty-free right and license to use, display, publicly perform, modify, reproduce, publish, distribute, make derivative works of, sublicense, and otherwise commercially and non-commercially exploit your Submitted Items and all copyright, trade secret, trademark, or other intellectual property rights therein, in any manner or medium now existing or hereafter developed (including but not limited to print, film, or electronic storage devices), and the exclusive right to use, display, publicly perform, modify, reproduce, publish, distribute, make derivative works of, sublicense, and otherwise exploit all such materials on commercial websites, without compensation of any kind to you or any third party. You hereby represent and warrant (A) you have all necessary right, power, and authority to grant the license set forth herein to your Submitted Item, and (B) your Submitted Item does not violate, misappropriate, or infringe any copyright, trade secret, trademark or other intellectual property right of any third party. You will take, at the Company's expense, any further action (including, without limitation, execution of affidavits and other documents) reasonably requested by the Company to effect, perfect, and confirm the license granted to the Company to your Submitted Item as set forth herein. Publication or use of any Submitted Items is at the sole discretion of the Company and the Company is under no obligation to publish or use any Submitted Item. If your Submitted Item is published, used and/or posted on the Site or otherwise used by the Company, we may include your name, likeness, photo or biographical information in conjunction with such publication, posting, or use. By submitting, disclosing, or offering a Submitted Item, you hereby grant the Company the right to use your name in connection with the publication, use or posting of your Submitted Item. You must include your full name and e-mail address with your Submitted Item so we can contact you if we have any questions about your Submitted Item. 

2.4    The trademarks, designs, copyrights, logos and service marks ("Marks") displayed on the Site are the property of the Company and other parties. You are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or Sites on the World Wide Web without the written permission of the Company or such third party, which may own the Marks. All information and content located on the Site is protected by copyright. You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes. Unauthorized use of the Site may give rise to a claim for damages and/or be a criminal offense.

2.5    www.paygramcorp.com is an online platform for conducting money transmission business.

2.6    www.paygramcorp.com The Site's and the Company's relationships with the [Designers] are solely Independent Contractor Relationships.  Each [Designer's] relationship with the Site and the Company is that of an independent contractor, and nothing in this Notice and Agreement is intended to create, nor should be construed as creating, a partnership, agency, joint venture, or employment relationship.  Each [Designer] will pay its own expenses, including those relating to insurance coverage, legal liability, and taxes.  If a [Designer] has its own employees, it is solely responsible for paying for their benefits.  [Designers] will not be entitled to any of the benefits, which the Company may make available to its employees, including, but not limited to: group health or life insurance, profit-sharing or retirement benefits.  Each [Designer] is not authorized to make any representation, contract or commitment on behalf of the Site or the Company unless specifically requested or authorized in writing to do so by a manager of the Company. Each [Designer] is solely responsible for, and will file, on a timely basis, all tax returns and payments required to be filed with, or made to, any federal, state, or local tax authority with respect to the performance of services and receipt of fees under this Notice and Agreement or through the Site.  Each [Designer] is solely responsible for, and must maintain adequate records of expenses incurred in the course of performing services under this Notice or Agreement. No part of the [Designer]'s compensation will be subject to withholding by the Site or the Company for the payment of any social security, federal, state, or other employee payroll taxes.  The Company will regularly report amounts paid to Designers by filing Form 1099-MISC with the Internal Revenue Service as required by law. Each [Designer] will indemnify, defend, and hold harmless the Company and its members, directors, officers, and employees from and against all taxes, losses, damages, liabilities, costs, and expenses, including attorneys' fees and other legal expenses, arising directly or indirectly from or in connection with: (a) any negligent, reckless, or intentionally wrongful act of [Designer] or [Designer]'s assistants, employees, or agents, (b) any breach by [Designer] or [Designer]'s assistants, employees, or agents of any of the covenants, warranties, or representations contained in this Notice and Agreement, (c) any failure of [Designer] to perform the Services in accordance with all applicable laws, rules, and regulations, or (d) any violation or claimed violation of a third party's rights resulting in whole or in part from the Company's use of the work product of [Designer] under this Notice and Agreement.

2.7    The Site and Company uses third party service providers. By making use of some or all of these services on the Site, you hereby consent and authorize us to delegate the authorizations and share the information you provide to us with our Third-Party Service Provider(s) to the extent required to provide the Payment Services to you. 

2.8    The Site and Company does not receive or process [PAYMENTS/DEPOSITS] but uses reputable payment processing company(ies) for payment services (e.g., credit/debit card acceptance, merchant settlement, and related services). By using the Site, you agree to be bound by our terms and conditions along with its privacy policy: 

2.9    The company may use other known Third-Party providers deemed appropriate while conducting normal business)

2.10    This Site provides links to other sites by allowing you to leave this Site to access third-party material or by bringing third-party material into this Site via "inverse" hyperlinks and framing technology (a "Linked Site"). The Site or the Company has no discretion to alter, update, or control the content on a Linked Site. The fact that the Site has provided a link to a site is not an endorsement, authorization, sponsorship, or affiliation with respect to such site, its owners, or its providers. There are inherent risks in relying upon, using or retrieving any information found on the internet, and the Company urges you to make sure you understand these risks before relying upon, using, or retrieving any such information on a Linked Site.

2.11    All content, products and services on the Site, or obtained from a Site to which the Site is linked (a "linked Site") are provided to you "AS IS" without warranty of any kind either express or implied including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose, title, non-infringement, security or accuracy. THE COMPANY DOES NOT REPRESENT OR WARRANT THIS SITE OR ITS SERVER(S) ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ACKNOWLEDGE YOUR USE OF THE WEB SITE AND CONTENT IS AT YOUR SOLE RISK.

2.12    The Company does not endorse and is not responsible for (a) the accuracy or reliability of an opinion, advice or statement made through the Site by any party other than the Company, (b) any content provided on Linked Sites or (c) the capabilities or reliability of any product or service obtained from a Linked Site. Other than as required under applicable consumer protection law, under no circumstance will the Company be liable for any loss or damage caused by your reliance on information obtained through the Site or a Linked Site, or your reliance on any product or service obtained from a linked Site. It is your responsibility to evaluate the accuracy, completeness or usefulness of any opinion, advice or other content available through the Site, or obtained from a Linked Site. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific opinion, advice, product, service, or other content.

2.13    The information, software, products and descriptions of services published on the Site or a linked Site may include inaccuracies or typographical errors, and The Company specifically disclaims any liability for such inaccuracies or errors. The Company does not warrant or represent that the content on the Site is complete or up-to-date. The Company is under no obligation to update the content on the Site. The Company may change the content on the Site at any time without notice. The Company may make improvements or changes to the Site at any time.

2.14    You agree that the Company, its affiliates and any of their respective officers, directors, members, employees, or agents will not be liable, whether in contract, tort, strict liability or otherwise, for any indirect, punitive, special, consequential, incidental or indirect damages (including without limitation lost profits, cost of procuring substitute service or lost opportunity) arising out of or in connection with the delay or inability to use the Site or a linked Site, or with the delay or inability to use the Site or a linked Site, even if the Company is made aware of the possibility of such damages. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect your equipment, failure of mechanical or electronic equipment or communication lines, telephone or interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. The Company cannot and does not guarantee continuous, uninterrupted or secure access to the Site.

2.15    It is your exclusive obligation to maintain and control passwords to your account. You are exclusively responsible for all activities that occur in connection with your user name and password. You agree to immediately notify the Company of any unauthorized uses of your user name and password or any other breaches of security. The Company will not be liable for any loss or damages of any kind, under any legal theory, caused by your failure to comply with the foregoing security obligations or caused by any person to whom you grant access to your account.

Section III - Dispute Resolution

3.1    In the event of disputes resulting from the use of the Site, the parties will first consult together with a view to resolve the dispute amicably.

3.2    If the parties are unable to resolve a dispute amicably, it will be referred to the Superior Court in King County, Washington. USA
3.3    Your use of the Site and any dispute arising out of such use of the Site is subject to the laws of King County, Washington and applicable federal law without regard to conflicts of laws principles.

Section IV.  Account Deletion Policy

4.1   Account Deletion on App Policy

A delete account functionality on Paygram platform including mobile apps is now available for end users giving them the right to delete their account(s). PayGram Corporation, however, reserves the right to delete account(s) which are deemed fraudulent and/or created with stolen identity on our platform.

4.2.   End User Delete Account Flow

End users will have an option to delete accounts under one of the following:
-    Account Profile – Delete Account 
-    Request to delete account with subject line “Delete Account       Request” through email to:
 customercare@paygramcorp.com

Please note that if all user’s transactions are still in initiated status without inbound selection the account will be permanently deleted with all associated data. If a user has at least one transaction with inbound set, delete account request flag will be raised.  

If the user has the delete account requested flag raised, the user will be able to login into the system but will not be able to create a transaction (Send Money disabled). “Account deletion in progress” message will be displayed on profile. 

4.3   PayGram Corporation reserves the right to delete end user account.

PayGram reserves the right to delete end user accounts from the platform for accounts created using stolen identity and/or suspicious fraudulent account(s). PayGram team retains the right to  review the deletion request and will communicate with end users through the ticketing system on our platform.

In the event of suspicious fraudulent accounts, PayGram Corporation has the right to take the following actions:
-    Review account creation/registration to make sure the registration  complies with our terms and conditions.
-    If PayGram Corporation approves a fraudulent account in error and the end user creator transacts, we’ll report the fraudulent activity to the regulators and delete the account permanently.

4.4   Data Affected by Delete Account

-    All created accounts/registered payment methods for the end user on external providers will be deleted/canceled if option is available through the API. 
-    All files uploaded by the end user or for the end user will be permanently deleted. 
-    All documents for the end user will be permanently deleted
-    All KYC logs for the end user (containing sensitive user data) will be deleted.
-    All records about notifications sent to the end user will be permanently deleted.
-    All the end user’s recipients will be permanently deleted.
-    The end user record will be marked as deleted, all personal data except Name/Email/Date of birth in user record will be over written or removed if possible.
-    Name/Email/Date of birth will be obfuscated, not readable but can be used to compare with data newly registered users.
-    None of the transactions will be deleted. Each of the transaction records contains not just transaction amount data but also user’s/recipient’s personal data that were saved now the transaction was created. This includes all personal data provided at the time about the user/recipient.

4.5.   Third-Party Sites/Platform.

All content, products, and services on our platform and/or from third-party sites to which the Site is linked (a “linked Site”) are provided to you “AS IS” without warranty of any kind either express or implied including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose, title, non-infringement, security or accuracy. THE COMPANY DOES NOT REPRESENT OR WARRANT THAT END USER INFORMATION IS DELETED ON THEIR SITE OR ITS SERVER(S).

4.6   Data Retention policy

Deleted Account Transactions related information, which includes your personal information and recipient’s information will be kept for five (5) years due to the retention policy.  

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