Terms and Conditions

Legal Agreement and Binding Nature

These Terms and Conditions constitute a legally binding agreement between PayFlow Cyprus and all users of our services. By engaging our payroll services or accessing our systems, you acknowledge that you have read, understood, and agree to be bound by these terms.

This agreement governs your legal rights and obligations regarding the use of our services. It establishes the framework for our professional relationship and defines the legal responsibilities of all parties involved.

Agreement effective from: August 25, 2025

User Obligations and Legal Responsibilities

1. Legal Responsibilities and Conduct Requirements

Mandatory Legal Compliance

Maintain valid Cyprus business registration and all required licenses
Ensure compliance with Cyprus employment laws and regulations
Provide accurate and complete employee information for payroll processing
Report any changes in business status or regulatory requirements immediately
Maintain proper employment documentation and contracts
Ensure all employee data provided is lawfully collected and authorized

Data and Information Accuracy

Provide truthful and accurate information for all payroll calculations
Verify employee personal details and authorization before submission
Update changes to employee status, salary, or benefits promptly
Maintain confidentiality of sensitive employee information
Report discrepancies or errors in payroll processing immediately

2. Prohibited Activities and Behaviors

System Misuse

• Unauthorized access attempts
• Sharing login credentials
• Circumventing security measures
• Interfering with system operations
• Reverse engineering software

Data Violations

• Submitting false employee information
• Processing unauthorized payments
• Violating employee privacy rights
• Using services for fraud or illegal activities
• Failing to maintain data security

3. Content Guidelines and Restrictions

Acceptable Content Standards

All data and communications must comply with professional standards and legal requirements. Content should be relevant to legitimate business payroll operations.

• Professional business communications only
• Accurate and verifiable employee data
• Compliance with data protection regulations
• Respect for employee privacy and confidentiality

Prohibited Content

The following types of content are strictly prohibited and may result in immediate service termination:

• Fraudulent or fictitious employee records
• Discriminatory or harassing communications
• Content violating Cyprus laws or regulations
• Malicious software or security threats

4. Age Restrictions and Requirements

Our services are designed for business use only. All account holders and authorized users must be at least 18 years of age and legally authorized to enter into binding agreements.

Businesses processing payroll for minor employees must comply with all applicable youth employment laws and provide proper documentation of legal authorization.

Liability and Warranties

5. User Responsibilities and Indemnification

Client Indemnification Obligations

Clients agree to indemnify, defend, and hold harmless PayFlow, its employees, and agents from any claims, damages, or expenses arising from:

Breach of these terms and conditions by the client
Inaccurate or unauthorized employee data provided by the client
Violation of applicable laws or regulations by the client
Unauthorized use of PayFlow services or systems
Employment disputes or legal actions involving client employees

Compliance with Laws and Regulations

Clients are solely responsible for ensuring their business operations comply with all applicable Cyprus and European Union laws, including but not limited to:

• Employment and labor law requirements
• Tax obligations and reporting requirements
• Data protection and privacy regulations
• Industry-specific compliance requirements

6. Privacy and Data Protection Compliance

PayFlow Data Protection

• GDPR compliance for data processing
• Secure data storage and transmission
• Regular security audits and updates
• Staff training on data protection
• Incident response procedures

Client Data Responsibilities

• Obtain proper employee consent
• Ensure lawful data collection
• Maintain data accuracy and currency
• Report data breaches promptly
• Comply with employee privacy rights

7. Third-Party Interactions and Responsibilities

Clients remain fully responsible for their relationships and interactions with third parties, including but not limited to employees, contractors, government agencies, and business partners.

PayFlow provides payroll processing services only and does not assume responsibility for employment relationships, workplace disputes, or regulatory compliance beyond our specific service scope.

Disclaimers and Limitations

8. Disclaimer of Warranties

Service Warranties

PayFlow provides services on an "as is" basis with no warranties beyond those explicitly stated in our service agreements. We disclaim all implied warranties including merchantability and fitness for a particular purpose.

While we strive for accuracy and reliability, we cannot guarantee error-free service or uninterrupted availability at all times.

Third-Party Service Disclaimers

We are not responsible for the performance, accuracy, or availability of third-party services, systems, or data that may be integrated with or referenced by our services.

9. Limitation of Liability

Financial Liability Limits

PayFlow's total liability for any claims arising from our services shall not exceed the total fees paid by the client in the twelve months preceding the claim.

This limitation applies regardless of the legal theory upon which the claim is based, including contract, tort, negligence, or strict liability.

Consequential Damages Exclusion

PayFlow shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Lost profits or business opportunities
• Business interruption damages
• Loss of data or information
• Regulatory penalties or fines
• Third-party claims or disputes

10. Force Majeure Provisions

PayFlow shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to natural disasters, government actions, labor disputes, or technical failures.

During force majeure events, we will make reasonable efforts to minimize service disruption and communicate with clients about expected resolution timeframes.

Legal Information and Dispute Resolution

11. Governing Law and Jurisdiction

Applicable Law

These terms and conditions are governed by the laws of the Republic of Cyprus. Any disputes arising from this agreement shall be resolved in accordance with Cyprus legal procedures.

European Union regulations may also apply where relevant to cross-border transactions or data protection matters.

Jurisdiction and Venue

All legal proceedings relating to this agreement shall be brought exclusively in the competent courts of Nicosia, Cyprus.

Parties consent to the personal jurisdiction of these courts and waive any objection to venue.

12. Dispute Resolution Procedures

Step 1: Direct Communication

Parties agree to first attempt resolution through direct communication and good faith negotiation before pursuing formal legal remedies.

Step 2: Mediation

If direct communication fails, parties may engage in mediation through a mutually agreed mediator before proceeding to litigation.

Step 3: Litigation

As a last resort, unresolved disputes shall be submitted to the courts of Cyprus for final resolution.

13. Severability Clause

If any provision of these terms and conditions is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

The invalid provision shall be replaced with a valid provision that most closely approximates the intent of the original provision.

14. Terms Modification Policy

Amendment Procedures

PayFlow reserves the right to modify these terms and conditions with thirty (30) days advance written notice to all clients.

Modifications will be communicated via email, account notifications, or website posting.

Acceptance of Changes

Continued use of PayFlow services after the effective date of modifications constitutes acceptance of the updated terms.

Clients who do not agree to modifications may terminate services according to the standard termination procedures.

Contact Information