Terms and Conditions

1. Introduction

Welcome to Paypath. These Terms and Conditions govern your use of our payment processing quote comparison service operated by SAUNDERS CONSULTING LTD (Company Number: NI720410), a company registered in Northern Ireland with registered office at 138 Drumbolg Rd, Upperlands Maghera, Maghera, United Kingdom, BT46 5UZ.

By accessing or using Paypath, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our service.

2. Service Description

Paypath operates as a referral service that:

• Provides payment processing quotes based on your business information
• Compares different payment terminal providers and pricing structures
• Refers qualified merchants to payment service providers including Worldpay
• Facilitates the application process with selected providers

Paypath does not process payments directly. We connect you with payment service providers who will handle your transactions.

3. User Obligations

When using Paypath, you agree to:

• Provide accurate, current, and complete information during signup
• Maintain the security of your account credentials
• Use the service only for lawful business purposes
• Not attempt to manipulate or abuse the quote system
• Comply with all applicable laws and regulations

4. Data Sharing and Referrals

When you request a quote through Paypath:

• Your business information is shared with payment service providers including Worldpay
• Partners may contact you directly to complete your application
• Paypath earns a referral fee if you proceed with a partner
• You are under no obligation to proceed with any provider

Your data is shared only with your consent when you submit a quote request. See our Privacy Policy for full details on data handling.

5. Quotes and Pricing

All quotes provided through Paypath are:

• Indicative estimates based on information you provide
• Subject to approval and verification by the payment provider
• Not guaranteed until confirmed in writing by the provider
• Valid for the period specified in the quote

Final pricing and terms are determined by the payment service provider, not Paypath.

6. Limitation of Liability

To the fullest extent permitted by law, SAUNDERS CONSULTING LTD shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, revenue, data, or business opportunities
• Actions or omissions of third-party payment service providers
• Errors or inaccuracies in quotes provided by partners
• Service interruptions or technical issues

Our total liability to you for all claims arising from your use of Paypath shall not exceed £100.

7. Account Termination

We reserve the right to suspend or terminate your access to Paypath at any time if:

• You breach these Terms and Conditions
• You provide false or misleading information
• Your use violates applicable laws or regulations
• We are required to do so by law or regulatory authority

8. Intellectual Property

All content, trademarks, and intellectual property on Paypath are owned by SAUNDERS CONSULTING LTD or our licensors. You may not copy, modify, distribute, or reproduce any content without our prior written permission.

9. Changes to Terms

We may update these Terms and Conditions from time to time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of Paypath after changes are posted constitutes acceptance of the new terms.

10. Governing Law

These Terms and Conditions are governed by the laws of Northern Ireland and England & Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of Northern Ireland.

11. Contact Information

If you have questions about these Terms and Conditions, please contact us: