Effective Date: 10.04.2025

‍1. Introduction
‍These Terms of Use (“Terms”) set forth the legal terms and conditions applicable to your access to and use of the website PayTrust.io (the “Website”), which is operated by SIA QUANTARA, a company duly incorporated and existing under the laws of the Republic of Estonia, with its registered office at Harju maakond, Tallinn, Kesklinna linnaosa, Pärnu mnt 142, 11317 (“we”, “us”, or “our”).

The Website is intended to provide general information about our technical payment gateway services and allow interested visitors to contact us for further information. It does not offer financial services, client onboarding, or transactional functionality through the Website itself.By accessing or using the Website, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree to these Terms, please do not access, browse, or otherwise use the Website.

These Terms apply only to the use of the Website and do not govern any commercial agreements that may be entered into separately with us. Such agreements will be subject to their own terms and conditions.

‍2. Definitions
‍In these Terms, unless the context clearly indicates otherwise, the following definitions apply:“Company”, “we”, “us”, or “our” means SIA QUANTARA, the operator of the Website.

‍“Website” means the public internet landing page located at https://paytrust.io, including all its subpages, features, functionalities, and content made available therein.

‍“User”, “you”, or “your” means any individual or legal entity who accesses, browses, or otherwise uses the Website.

‍“Content” refers to all materials made available on the Website, including but not limited to text, graphics, logos, icons, images, audio clips, video, downloadable materials, and code.

‍“Services” means the technical payment gateway solutions provided by SIA QUANTARA to qualified commercial clients, but expressly excluding any services offered via the Website itself.

‍3. Eligibility and Access

‍The Website is publicly accessible and intended for general informational and promotional purposes. You are not required to create an account or register in order to view the content available on the Website.

However, by accessing or using the Website, you represent and warrant that:

You have the legal capacity to enter into binding agreements under applicable law;
You will not use the Website for any unlawful or prohibited purpose;
You are not accessing the Website from a jurisdiction that is subject to sanctions, embargoes, or trade restrictions under the laws of the Republic of Estonia, the European Union, the United Nations, or any other applicable authority.

The Company reserves the right, without prior notice and at its sole discretion, to restrict or block access to the Website to any person or geographic area, including users located in countries subject to international sanctions or export restrictions.

We do not knowingly market to, or collect any information from, individuals in restricted jurisdictions. If you are located in such a jurisdiction, you must refrain from using or accessing the Website.

‍4. Nature of Services

‍The Website serves exclusively as a promotional and informational platform for the services offered by SIA QUANTARA. These services include the development and provision of technical payment gateway solutions and related support for eligible business clients, subject to appropriate due diligence and separate contractual arrangements.

‍Important Clarification:

‍The Website does not offer or enable any financial transactions.

The Website does not offer account creation, payment processing, onboarding, KYC/AML collection, or regulated financial services of any kind.

No commercial or legal relationship is formed between the User and the Company simply by visiting or browsing the Website.
Any engagement for the use of our services must be initiated through direct communication with the Company and formalized under separate written agreements. Nothing on this Website shall be construed as a binding offer, guarantee, or solicitation of services to the general public.

The content on the Website is provided for general information purposes only and should not be considered legal, financial, technical, or professional advice.

‍5. Acceptable Use

‍You agree to use the Website in accordance with these Terms and all applicable laws and regulations. You may only use the Website for lawful purposes and in a manner that does not infringe the rights or restrict the use and enjoyment of the Website by any third party.

You specifically agree that you will not:
Use the Website in any way that breaches any applicable local, national, or international law or regulation;
Use the Website in any manner that is unlawful, fraudulent, or harmful, or in connection with any unlawful, fraudulent, or harmful purpose or activity;
Attempt to gain unauthorized access to any part of the Website, the server on which it is hosted, or any server, computer, or database connected to the Website;
Introduce viruses, trojans, worms, logic bombs, or other material that is malicious or technologically harmful;
Use the Website to transmit or procure the sending of any unsolicited or unauthorized advertising, promotional materials, or similar communications;
Harvest or scrape information or content from the Website using automated tools such as bots, crawlers, or spiders;
Access or use the Website from a jurisdiction that is subject to sanctions or restrictions imposed by the European Union, United Nations, or other applicable international authorities.

We reserve the right, in our sole discretion, to take any action we deem necessary in response to any breach of these Terms, including suspending access, initiating legal proceedings, and reporting such activities to law enforcement or regulatory authorities.

‍6. Intellectual Property

‍All intellectual property rights in the Website and its content are owned by or licensed to SIA QUANTARA, and are protected by copyright, trademark, and other applicable intellectual property laws.

This includes, but is not limited to:
The name PayTrust.io, logo, brand elements, website layout, and design;
All text, images, graphics, icons, audio/video elements, downloadable materials, and source code;
Any other distinctive signs or materials appearing on the Website.

You may:
Access and view the Website and its content for personal and informational use only;
Download or print content solely for non-commercial, personal reference, provided that all copyright and proprietary notices are preserved.

You may not:
Modify, reproduce, distribute, republish, retransmit, publicly display, or otherwise exploit any content from the Website without prior written consent;
Use any of the Company’s trademarks, trade names, or branding without express authorization;
Reverse-engineer, decompile, or disassemble any portion of the Website or its underlying software.
‍
No part of the Website should be interpreted as granting any license or right to use any intellectual property owned by the Company without our express written permission.

‍7. Limitation of Liability
‍To the maximum extent permitted by applicable law, SIA QUANTARA and its directors, officers, employees, affiliates, agents, and licensors shall not be liable for any losses or damages arising out of or in connection with your access to, use of, or inability to use the Website or any content provided therein.

This includes, but is not limited to:
Direct, indirect, incidental, special, punitive, or consequential damages;
Loss of profits, business, contracts, revenue, anticipated savings, goodwill, data, or other intangible losses;
Any errors, inaccuracies, or omissions in content made available on the Website;
Any bugs, viruses, or other harmful code transmitted through or associated with the Website.
The Website is provided on an “as is” and “as available” basis. We make no representations or warranties of any kind, express or implied, regarding the operation of the Website or the accuracy, completeness, or reliability of any content.

You acknowledge that:
We do not guarantee that the Website will be uninterrupted, secure, or error-free;
We do not accept any responsibility for technical issues or failures outside our control, including but not limited to internet outages, server problems, or acts of third parties;
Your use of the Website is entirely at your own risk.

If you are dissatisfied with any portion of the Website, your sole and exclusive remedy is to discontinue using the Website.
Some jurisdictions do not allow the exclusion or limitation of liability for certain types of damages, so the above limitations may not apply to you in full.

‍8. Third-Party Links

‍The Website may include links to external websites, services, or resources provided by third parties. These links are provided for your convenience only and do not signify our endorsement, affiliation, or recommendation of the third-party content or services.

We do not control or assume any responsibility for:
The content, availability, or accuracy of third-party websites;
The privacy or security practices of third parties;
Any losses, damages, or other liabilities incurred as a result of your access to or use of third-party websites.

Accessing third-party websites is done entirely at your own risk, and you are solely responsible for reviewing the applicable terms and conditions and privacy policies of such sites.

We disclaim all liability arising from your use of or reliance on any third-party materials or content linked from the Website.

‍9. Amendments

‍We reserve the right to revise, update, or otherwise modify these Terms of Use at any time and without prior notice. Any changes will become effective immediately upon their publication on this page unless a later effective date is specified.

Your continued use of the Website following the publication of updated Terms constitutes your acceptance of those changes. For this reason, we encourage you to review these Terms periodically.

We may, but are not obligated to, notify you of material changes by posting a prominent notice on the Website or via email if such contact information has been voluntarily provided to us.

If you do not agree to the modified Terms, you must discontinue your use of the Website.

‍10. Governing Law and Jurisdiction

‍These Terms, and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or their subject matter or formation, shall be governed by and construed in accordance with the laws of the Republic of Estonia, without regard to its conflict of laws rules.

Any dispute arising from or related to your use of the Website or these Terms shall be subject to the exclusive jurisdiction of the courts of Estonia, unless otherwise required by mandatory applicable law.

You agree that you will bring any legal action relating to these Terms only in the competent courts located in Estonia and irrevocably submit to the jurisdiction of such courts.

‍11. Contact Information

‍If you have any questions, comments, or requests regarding these Terms or the Website, you may contact us using the following details:
SIA QUANTARA
‍Mazā Krasta iela 35 - 10, LV-1003, Rīga
Email: contact@paytrust.io