LQPAY Portal – TERMS OF USE

LQpay TERMS OF USE

Effective Date: September 11, 2026

https://www.lqpay.ai/ is a Web site (Site) of LQpay, Inc. When we use the terms “we” “us” or “our”, we refer to LQpay, Inc. and affiliated entities of our organization (collectively “Our Organization”). 

1. USE OF THE SITE 

PLEASE CAREFULLY REVIEW THE TERMS OF USE AND OUR PRIVACY POLICY  BEFORE USING THIS SITE, OUR SERVICES, OR ANY AI-ENABLED SERVICES PROVIDED THROUGH OUR WEBSITE(S). 

By using this Site, including accessing materials, products, services, AI-enabled features, chatbots, voice systems, or other functionality, you agree to be bound by these Terms of Use.

From time to time, we may update these Terms of Use. We encourage you to review them periodically for changes. Your continued use of the Site and Services constitutes acceptance of the Terms in effect at the time of use.

2. DESCRIPTION OF SITE AND THE SERVICE. 

We may provide, through the Site, Services that include without limitation the: 

(a) Provision of the Site and other online services and Internet sites; 

(b) Display, performance, provision, and use of: information such as educational, promotional, product, pricing, marketing or other valuable information (“Information”); copyrighted works, photographs, text, music, video, sound, graphics, messages, and other Materials, including Our Materials and Third Party Materials (“Content”); and our and Third Parties’ Trademarks; 

(c) Interactive communication through chat, message boards, VOIP and other media, and 

(d) Offering of products and services for sale, license, distribution or use. 

(e) Artificial Intelligence (“AI”) enabled services, including automated chat, voice interactions, workflow automation, customer support, account assistance, payment related support, and future AI powered offerings.

2.1 AI Services

The Site may provide AI enabled services, tools, assistants, automation features, or services introduced from time to time.

Unless otherwise stated, users should assume they may be interacting with an AI enabled system.

2.2 Human Escalation

Where available and appropriate, users may request escalation from an AI enabled system to a human representative. We reserve the right to determine the scope and availability of human support based on operational, security, compliance, and service requirements.

2.3 AI Limitations and User Responsibilities

AI generated responses may be incomplete, inaccurate, outdated, contextually incorrect, or otherwise flawed. Users must independently verify information before relying upon it for any medical, legal, financial, payment, billing, compliance, or business decision.

LQpay does not guarantee the accuracy, completeness, or suitability of AI generated content.

2.4 No Medical Advice

LQpay provides payment, administrative, financial workflow, and customer support technologies. AI enabled services of LQpay do not provide medical advice, diagnosis, treatment recommendations, or healthcare services and must not be considered a substitute for advice from a qualified healthcare professional.

3. OWNERSHIP OF INTELLECTUAL PROPERTY OF THIS SITE AND MATERIALS. 

3.1. Trademarks, Copyright and Intellectual Property Ownership. 

We use names, marks, brands, design marks, slogans, logos, designs, trade dress and trade names on the Site or with the Service “Our Trademarks”. We own all Trademarks, the Content, and other information displayed and posted on, contained in, and/or provided in connection with, the Site and/or the Service (collectively, “Our Materials). Also, third parties have allowed us to post or use their materials and Trademarks on Site (“Third Party Materials”). We refer to Our Materials and Third-Party Materials collectively as the “Materials”. 

In addition, all AI technologies, conversational workflows, prompts, software architectures, synthesized voice models, AI configurations, automation methodologies, AI generated interfaces, and related technologies utilized by LQpay are proprietary intellectual property of LQpay and/or its licensors.

3.2 Copyright Notice. 

Our Materials contained on the Site are copyrighted materials of LQpay, Inc. 

Copyright © 2026 LQpay, Inc. All rights reserved. International copyright secured. 

We exclusively own, or have the right to use or license, all intellectual property in the Materials, proprietary information and know-how used with the Site and Services. We maintain all of the web pages of the Site as a collective work under the U.S. copyright laws and protect the Site and Materials under others’ trademark and other intellectual property laws. 

3.3 Rights in Materials. 

By using or accessing the Site or services, you do not acquire any rights or interest in any Materials. The only rights you can gain are those we explicitly grant to you through these Terns of use. We reserve all rights that we do not expressly grant to you. 

You agree not to display, use (including co-branding your owns goods or services with our Trademark), remove, or alter our or Third-Party Trademarks, Content or other Information without prior written consent. 

You also agree that any use by you, or on your behalf, of our Trademarks, and the goodwill associated therewith, shall insure to our benefit.

No ownership rights in any AI system, AI technology, AI generated service architecture, conversational design, prompts, voice synthesis technologies, or models are transferred to users through use of the Services. 

4 RESTRICTIONS ON USE OF CONTENT, MATERIALS AND MARKS. 

Your use of the Site is strictly and exclusively limited to personal, non-commercial use. Your use is also subject to Our and Third-Party Intellectual Property Rights. Except as expressly authorized in these Terms of Use, you agree that: You will not reproduce, edit, modify, rent, license, sell, distribute, mirror, republish, download, transmit, or create derivative works from any Materials displayed on, or made available through the Site, or in connection with the Service, in whole or in part, by any means now known or later developed;

You will not modify, decompile, or reverse engineer any part of the Software; 

You will not copy, post or transmit any Materials that you receive from, access, or retrieve from, the Site or through the Service, to any server, or network of computers; 

You will not remove or modify any copyright or trademark notice, or other notice of ownership, displayed on, or affixed to, any Materials, including any copies of the Licensed Materials that you download and/or distribute; and 

You will not frame the Site within a mark other than that of Our Organization. 

In addition, users shall not:

  • Attempt to bypass, disable, defeat, manipulate, or circumvent AI safeguards or system controls;
  • Engage in prompt injection, jailbreak attempts, or adversarial testing designed to alter AI behavior;
  • Attempt to reverse engineer, extract, reconstruct, or derive AI model logic, prompts, source code, training techniques, or proprietary algorithms;
  • Use AI Services to create malicious code, malware, spam, fraud, phishing content, deceptive communications, or unlawful content;
  • Misrepresent AI generated content as human generated where such disclosure would be required by applicable law.

4.1 Proper notice required. 

Any authorized uses of Our Materials, including any authorized reproduction, transmission, broadcast or adaptations permitted under these Terms of Use, must contain the following Copyright notice: 

“Copyright © 2026 LQpay, Inc. All rights reserved. Used by permission.” 

All other copyright notices and Trademark notices should be maintained and displayed, as displayed on the Site or on the relevant Work, or as otherwise instructed by Us. 

5. LIMITED LICENSE FOR DOWNLOADABLE MATERIALS. 

5.1 Downloadable Materials. 

We may identify certain materials on our Site as being downloadable (“Licensed Materials”). You may download one copy of these identified downloadable materials subject to the restrictions of the Terms. We grant to you a limited, non-exclusive, non-transferable, non-sublicensable, license to view, print, and make one copy of the Licensed Materials for only informational, educational, non-commercial, personal purposes and without alteration of the materials (the “License”). You can use the Licensed Materials only in the format in which we make them available on the Site for download, and only in authorized distributions. 

The License is subject to the following additional restrictions: 

(a) You cannot charge or collect any Distribution Fee for the distribution of any of the Licensed Materials; 

(b) All copyright, trademark or other proprietary notices that appear on the Licensed Materials, together with the permission notice, must appear on all copies of the Licensed Materials that you make or distribute; 

(c) You shall not use, copy or distribute any graphics comprising part of the Licensed Materials separate from accompanying text; 

(d) You shall not use the Licensed Materials in connection with, or relation to, any fundraising activities; 

(e) You shall not use the Licensed Materials in a manner that suggests an association with or endorsement by US, or any of our products, services, or brands; and 

(f) You should not download quantities of Licensed Materials to a database that can be used to avoid future downloads of any of the Licensed Materials from any of the Sites. 

Distribution Fee. The term “Distribution Fee” means any and all payments of monies, fees, royalties, remuneration, donations, gifts or other consideration, whether in cash or like-kind, received by, paid to, owed to, on or behalf of, a user or a distributor that arise from, or are in any way related to the provision, transmission, distribution, sale, license, lease, rental or other use of the Licensed Materials, including specifically without limitation, any fundraising activities. 

5.2 Download of General Content. For the materials not clearly identified and intended as downloadable materials (“General Content”) we grant you a limited, non-exclusive license to print one copy of the General Content, without alteration for your use for informational, non-commercial, private or personal purposes only. No other use of downloaded General Content is allowed unless specifically allowed on the Site. You shall not copy any of the General Content or Materials or Content on our websites, or onto another website. You may, however, access the Materials or Contents of our websites through a hyperlink. 

5.3 Reservation of Rights. We reserve any rights not expressly granted herein. 

5.4 Termination of License. We may terminate the License and any of the rights at any time by providing notice of termination on the Site or directly to you as a user. Further, the License shall automatically terminate without notice if you breach any of the terms or conditions of the License or these Terms of Use. Upon termination of the License, you agree to immediately destroy, and cease all use or distribution of, any downloaded, printed or electronically stored copies of the Licensed Materials or General Content.

6 GENERAL USE RULES.

To facilitate everyone’s enjoyment of the Site, we have set out our General Use Rules for you here. Generally speaking, these rules simply require respect and good manners. Use common sense and you will feel right at home. 

No Obscenity. We do not allow obscene, racist, vulgar, discourteous, indecent or sexually explicit language or images. You agree not to post, upload, e-mail, transmit, distribute, or otherwise make available, any such content or materials onto any of the Site. 

No Posting or Communication of Infringing Material or Harassing Communications or Advertisements. You also agree not to post, communicate, upload, e-mail, transmit, distribute, or otherwise make available: 

Any material or content that infringes and/or violates any right of a third party (including its intellectual property and proprietary rights), or any law; 
Any harassing, slanderous, libelous or derogatory information or content, or 
Any advertisements for products or services, “junk mail”, spam, chain mail, pyramid schemes, or other form of commercial or illegal solicitation; 

No Commercial Uses. You agree not to use the Site for commercial purposes of any kind; 

No Harm to Minors. You agree not to harm, or attempt to harm, lure or deceive minors in any way; 

No False Identity. You agree not to create or use a false identity for the purpose of misleading others; 

Do Not Collect or Store Personal Data. You agree not to collect or store personal data about other users; 

No Virus or Disabling Software. You agree not to post or distribute any software or other materials that contain a virus, worm, trojan horse or other harmful or disabling code or component; 

No Interference with the Site or Service. You agree not to interfere with, or disrupt, the operation of the Site and/or the Service, or with servers or networks connected to, or used in connection with the operation of the Site. 

Obey Requirements. You agree not to disobey any requirements, procedures, policies or regulations established by the owners or operators of any networks, hardware, or software connected to, or used in connection with the operation of the Site, or any requirement that we post on the Site. 

Respect Privacy of Others. You must respect the privacy of others. You agree not to post or disclose phone numbers, addresses, Social Security numbers, or any other private information, relating to any other person. 

AI Usage Restrictions

You further agree:

  • Not to submit malicious inputs intended to manipulate AI outputs;
  • Not to submit credentials, authentication secrets, payment card security codes, or similar sensitive information unless specifically requested through an approved workflow;
  • Not to use AI enabled services for unlawful discrimination, fraud, harassment, or prohibited automated decision-making;
  • Not to knowingly provide false, misleading, illegal, or harmful information to AI systems.

We reserve the right to suspend or terminate AI interactions immediately upon detection of abusive, harmful, fraudulent, or malicious usage.

7 ACTIVITIES WITH THIRD PARTIES ON OR FROM THE SITE 

7.1 Linking to Third Party Sites from Our Site. 

From time to time, we may provide links on the Site that will allow you to connect with web sites of third parties that are not under our control. We are providing these links only as a convenience to you. Further, there may be times while in the Site that you could be directed to sites that are beyond our control. This includes links from other organizations, sponsors or volunteers that may use our logo(s) as part of an agreement with us. These other sites may send their own cookies to users, collect data, solicit personal information, or contain information that you may find inappropriate or offensive. 

7.2 Third Party Service Providers

Certain services may utilize third party technology providers, telecommunications providers, cloud service providers, payment processors, speech recognition providers, voice synthesis providers, and AI infrastructure providers and similar service providers.

Such providers operate under their own terms, privacy notices, technical limitations, and compliance obligations.

7.3 No Warranties. 

WE MAKE NO REPRESENTATIONS OR WARRANTIES CONCERNING THE CONTENT OF, OR THE PRIVACY PRACTICES OF, OR THE AVAILABILITY OR QUALITY OF ANY PRODUCTS, MATERIALS OR SERVICES THAT YOU PURCHASE FROM A THIRD-PARTY WEBSITE THAT LINKS TO OR FROM ANY OF OUR SITES EVEN IF WE PROVIDE LINKS TO SUCH SITES ON THE SITE. WE ACCEPT NO RESPONSIBILITY FOR, AND WE EXPRESSLY DISCLAIM ANY WARRANTIES OR LIABILITY RELATING TO, THE ACCURACY, RELEVANCY, COPYRIGHT COMPLIANCE, LEGALITY, OR DECENCY OF MATERIALS DISPLAYED ON, OR CONTAINED IN, WEB SITES LINKED TO, OR TO WHICH YOU ARE DIRECTED FROM, ANY OF THE SITES. YOU ACCESS AND USE SUCH WEB SITES, AND THE SERVICES PROVIDED IN CONNECTION THEREWITH, AT YOUR OWN RISK. WE ENCOURAGE YOU TO REVIEW THE TERMS OF USE AND PRIVACY STATEMENTS POSTED ON ANY THIRD-PARTY WEB SITE, OR TO CONTACT THE OPERATOR OF THE WEB THE SITE PRIOR TO USING, OR PROVIDING ANY INFORMATION ON, SUCH THIRD-PARTY WEB SITES. 

7.4. No Endorsement. 

Links to other web sites do not imply an endorsement of the materials, products, content, ideas or Interactive Communications displayed on, or disseminated at or through those web sites, nor does the existence of a link to another of our Sites imply that the organization or person publishing at that Site endorses any of the materials or ideas at our Site. We reserve the right to disable links from third-party sites to any of our Sites at any time without prior notice. 

7.5 Rules for Linking to Our Site. 

We may provide the option for you to post a link to our site from your website or other third party sites. We reserve the right to, at any time and without prior notice, ask you to remove the link should we determine whether it has a negative effect on our website, search engine results or other negative impact on our visitors. You agree to remove the link immediately upon request. 

8. DISCLAIMERS. 

8.1. EXCEPT FOR THE LIMITED WARRANTIES OTHERWISE EXPRESSLY STATED AND DISPLAYED ON THE SITE, YOUR USE OF THE SITE, THE SERVICE, ALL CONTENT, ALL INFORMATION, AND ALL MATERIALS ARE OFFERED ON AN “AS IS” BASIS, “WITH ALL FAULTS,” AND “AS AVAILABLE,” WITHOUT ANY WARRANTIES WHATSOEVER, EITHER EXPRESS OR IMPLIED, TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW. WE EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, RELATING TO THE SITE, ALL INFORMATION, CONTENT, MATERIALS, THE SOFTWARE, AND THE SERVICE, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OF THIRD-PARTY INTELLECTUAL PROPERTY RIGHTS. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE AND/OR THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE; THAT DEFECTS OR ERRORS WILL BE CORRECTED PROMPTLY OR AT ALL; AND/OR THAT ANY OF THE SITE, INFORMATION, CONTENT, MATERIALS, THE SERVICE (AND/OR ANY SOFTWARE, SERVER, COMPUTER, HARDWARE, OR NETWORK RELATING TO THE OPERATION, OR HOSTING OF, ANY OF THE FOREGOING) WILL BE FREE OF VIRUSES, ERRORS, OR HARMFUL COMPONENTS. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. WE ASSUME NO RESPONSIBILITY FOR THE TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY COMMUNICATIONS OR MATERIALS POSTED ON THE SITE. 

8.2. WE EXPRESSLY DISCLAIM ANY WARRANTIES, REPRESENTATIONS, OR RESPONSIBILITY FOR THE ACCURACY OR COMPLETENESS OF ANY INFORMATION, CONTENT, AND MATERIALS CONTAINED, DISPLAYED, OR POSTED ON THE SITE OR OTHERWISE AVAILABLE THROUGH OUR SITE, OR ON SITES THAT LINK TO OR FROM THE SITE. ALL SUCH INFORMATION, CONTENT AND MATERIALS ARE SUBJECT TO CHANGE WITHOUT NOTICE. WE DO NOT WARRANT, OR MAKE ANY REPRESENTATIONS WITH RESPECT TO, THE USE, OR THE RESULTS THAT MAY BE ACHIEVED THROUGH SUCH USE, OF ANY OF THE SITES, ANY PART OF THE SERVICE, AND/OR ANY INFORMATION, CONTENT, AND/OR MATERIALS. 

8.3. AT ANY TIME AND WITHOUT NOTICE, WE MAY, FOR ANY REASON WHATSOEVER AND WITHOUT INCURRING ANY LIABILITY OR OBLIGATION TO YOU OR ANY OTHER PARTY, TERMINATE OR SUSPEND THE DISPLAY, OPERATION AND/OR PROVISION OF (A) THE-SITE (OR ANY PART THEREOF, INCLUDING ANY CONTENT, INFORMATION, AND/OR MATERIALS); (B) ANY PART OF THE SERVICE; AND/OR (C) YOUR ACCESS TO THE SITE OR ANY PART OF THE SERVICE. 

8.4 WHILE WE WILL MAKE REASONABLE EFFORTS TO PROVIDE ACCURATE AND TIMELY INFORMATION, REPORTS ON OUR SITE, YOU SHOULD NOT ASSUME THAT THE INFORMATION PROVIDED IS ALWAYS UP TO DATE, ACCURATE, COMPLETE OR THAT OUR SITE CONTAINS ALL OF THE RELEVANT INFORMATION AVAILABLE.

8.5 TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • AI GENERATED OUTPUTS MAY CONTAIN ERRORS, OMISSIONS, INACCURACIES, OR “HALLUCINATIONS”;
  • AI OUTPUTS ARE PROVIDED FOR INFORMATIONAL, ADMINISTRATIVE, AND CUSTOMER SERVICE PURPOSES ONLY;
  • AI RESPONSES SHOULD NOT BE RELIED UPON AS THE SOLE BASIS FOR MEDICAL, LEGAL, FINANCIAL, PAYMENT, BILLING, COMPLIANCE, OR BUSINESS DECISIONS;
  • LQPAY MAKES NO WARRANTY REGARDING THE ACCURACY, SUITABILITY, RELIABILITY, OR COMPLETENESS OF AI-GENERATED OUTPUTS;
  • AI SERVICES MAY BE MODIFIED, SUSPENDED, INTERRUPTED, RESTRICTED, OR DISCONTINUED WITHOUT NOTICE;
  • LQpay is not a bank, does not accept deposits, does not hold customer funds, is not the lender/issuer/payment-network operator, and does not provide money-transmission services.

9 LIMITATIONS OF LIABILITY. 

IN NO EVENT AND UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES THAT RESULT FROM YOUR USE OF, OR INABILITY TO USE, ANY OF OUR SITE, ANY INFORMATION, ANY CONTENT, ANY MATERIALS, AND/OR THE SERVICE, OR ANY PART THEREOF, EVEN IF WE HAVE BEEN EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FO ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU TO US, IF ANY, FOR ACCESSING OR USING ANY OF THE SITE AND/OR FOR USING THE SERVICE OR ANY PART THEREOF. IF YOU ARE DISSATISFIED WITH ANY ASPECT OF THE SITE AND/OR SERVICE, IF YOU DO NOT AGREE WITH ANY PROVISION OF THESE TERMS OF USE, OR IF YOU HAVE ANY OTHER DISPUTE OR CLAIM, WITH OR AGAINST OUT ORGANIZATION WITH RESPECT TO THESE TERMS OF USE OF ANY OF THE SITE OR ANY PART OF THE SERVICE, THEN YOU ACKNOWLEDGE AND AGREE THAT YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE ACCESSING AND/OR USING THE SITE AND/OR THE SERVICE. 

Without limiting the foregoing, LQpay shall not be responsible or liable for any action, omission, loss, damage, or liability arising from reliance upon AI generated responses, conversational outputs, voice interactions, transcripts, automated recommendations, or machine generated content.

10. INDEMNITY. 

You are entirely responsible for maintaining the confidentiality of all Passwords and all accounts that you establish in conjunction with your use of Ours Sites or the Service (“Your Accounts”). You are solely responsible for all activities that occur under, or relate to, your Passwords and Your Accounts, and for your use of any of our Site and any part of the Service. 

You hereby agree to indemnify, defend, and hold us, and our affiliates, our officers, directors, owners, agents, information providers, affiliates, licensors, and licensees (collectively, the “Indemnified Parties”), harmless from and against any and all liabilities and costs (including reasonable attorney’s fees) incurred by the Indemnified Parties in connection with any claim arising out of, or relating to: 

(a) Any breach by you of these Terms of Use; 

(b) Any unauthorized use by you of any Information, Content, Materials, our Site, or any part of the Service; 

(c) Your use of our Site and/or any part of the Service; and 

(d) All activities relating to, or conducted under, your Passwords and/or Your Accounts. 

You shall use your best efforts to cooperate with us in the defense of any such claim. We reserve the right, at our own expense, to assume the exclusive defense and control of any claim against you or use that is subject to indemnification by you. You agree that that in the event of any unauthorized use of our Site, any Information, Content, Materials, and/or any part of the Service, we shall be entitled to obtain an injunction proscribing such unauthorized use, without the necessity to post bond, and in addition to any other remedies available at law or in equity. 

In addition, you agree to indemnify and hold harmless LQpay from any claims, damages, losses, liabilities, penalties, regulatory actions, costs, or expenses arising from:

  • Your inputs, prompts, uploaded content, or information submitted to AI systems;
  • Misuse of AI enabled services;
  • Violations of laws governing AI, privacy, telecommunications, cybersecurity, intellectual property, healthcare information, or consumer protection.

11. SPECIAL ADMONITIONS FOR INTERNATIONAL USE. 

11.1 You agree to comply with all local rules regarding the use of our Site, any Information, any Content, any Materials, and any part of the Service, including any local rules regarding acceptable online conduct. You also specifically agree to comply with all applicable laws regarding the transmission of technical data or other information exported from the United States or the country in which you reside. 

11.2 The Software used in association with the Site and the Service may be further subject to United States export controls. No Software may be downloaded, or otherwise exported or re-exported (a) into (or to a national or resident of) Cuba, Libya, North Korea, Iran, Syria, or any other country to which the U.S. has embargoed goods; or (b) to anyone on the U.S. Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Table of Deny Orders. By accessing, downloading or using the Software, or any other materials relating to the Site that are subject to United States export controls, you represent and warrant to us that you are not located in, or a resident or national of, any of the countries identified in subsection (a) of this Paragraph 11.3, and that you are not acting on behalf of, or under the control of a national or resident of any such country, or any person described in subsection (b) of this Paragraph 11.3. 

11.4 You further agree to comply with all applicable laws governing:

  • Artificial Intelligence systems;
  • Data protection and privacy;
  • Telecommunications and automated communications;
  • Electronic communications;
  • Export controls;
  • Consumer protection requirements applicable to AI enabled services.

Where applicable, LQpay will provide disclosures required under laws governing AI systems, including transparency requirements for AI human interactions.

12. NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT. 

We are committed to respecting the intellectual property rights of other parties, and we ask you, and the other users of our Site and the Service, to do the same. Pursuant to Title 17, United States Code, Sections 512(c)(2) and (3), notifications of claimed copyright infringement for materials displayed, or available, on any of the Site should be sent to our Organization’s Designated Agent. Our Organization’s Designated Agent is: 

C. Christian Sautter, Esq. 

2850 North Andrews Ave.

Wilton Manors, FL 33311
954-568-7000

13 TERMINATIONS. 

These Terms of Use, as may be modified from time to time by us without notice, are effective until we provide notice of termination thereof on our Site. You agree to be bound by the Terms of Use as displayed on each of our Sites at the time you use such Sites and/or any part of the Service provided in connection therewith. You may not terminate any provision of these Terms of Use. Your sole and exclusive remedy is to discontinue your access and use of all our Sites and the Service, and to destroy all Materials and other items obtained from any and all our Site, whether pursuant to the License, or otherwise, together with all related documentation and all copies and installations thereof, except for purchased products. We may terminate your access to any and all our Sites, and/or any part of the Service, at any time in our sole discretion, and we reserve the right at any time to discontinue the operation of any of our Sites, and/or the provision of any part of the Service. We may immediately terminate your right to access and/or use any of our Site and/or the Service, without notice, if, on our sole discretion, you fail to comply with any provision of these Terms of Use. LQpay may suspend, restrict, or terminate access to AI enabled Services at any time due to security concerns, abuse, fraudulent activity, compliance risks, unlawful behavior, or violations of these Terms.

14. GENERAL PROVISIONS. 

14.1 You acknowledge and agree that the unauthorized use of our Site, Information, Content, Materials, and/or any part of the Service could cause irreparable harm to us and/or organizations or individuals that may be associated with us worldwide. Accordingly, you agree that that in the event of any unauthorized use of our Site, any Information, Content, Materials, and/or any part of the Service, we shall be entitled to obtain an injunction proscribing such unauthorized use, without the necessity to post bond, and in addition to any other remedies available at law or in equity. 

14.2 We may at times send you information by e-mail that we believe will be of interest to you. If you register at any of our Sites, and you do not want to receive e-mails from us, please let us know by responding to the unsubscribe action in the message received or contacting us through information on the website. 

14.3 These Terms of Use shall be governed by, and construed in accordance with, the laws of the State of Florida, without giving any effect to any principles of conflicts of law. You agree that any action at law or in equity, and/or any claim arising out of or relating to these Terms of Use, our Site, the Service, and/or your access, and/or use, of any of our Site or the Service, shall be filed and litigated only in the state or federal courts located in Orange County, Florida. You hereby consent and submit to the exclusive personal jurisdiction of such courts for the purposes of litigating any such action or claim. 

14.4 These Terms of Use, as may be amended by us from time to time, constitute our entire agreement with respect to your use of any of the Site and the Service. These Terms of Use supersede all prior agreements, understandings and representations between us with respect to your use of the Site and the Service. You cannot amend or alter the terms of these Terms of Use. 

14.5 These Terms of Use, including the License, are personal to you, and neither can be assigned by you. You agree not to allow any other person to access and/or use any of the Site or the Service unless such other person agrees to be bound to all of the provisions of these Terms of Use. You further agree to assume all responsibility and liability arising from any third party access to, or use of, any of the Site and/or the Service (a) using, or under, any of Your Accounts, or any of your Passwords; and (b) that you permit, knowing that such third party has not agreed to be bound by all of the provisions of these Terms of Use. 

14.6 We may at times send you information by e-mail that we believe will be of interest to you. If you register at any of the Sites, and you do not want to receive e-mails from us, please let us know by responding to the unsubscribe in the message received. 

14.7 If any provision of these Terms of Use is finally found by a court of competent jurisdiction to be void, invalid, unenforceable or otherwise contrary to law or equity, the remaining provisions of these Terms of Use that can be given effect without such void or unenforceable term or provision, shall be given full effect and binding on the parties. 

14.8 Our failure to enforce strict performance of any provision of these Terms of Use, or to penalize any violation by of these Terms of Use, or to penalize you for any further violations of any provision of these Terms of Use. 

14.9 AI Data Usage and Service Improvement:Unless otherwise disclosed, contractually authorized, legally permitted, or consented to by the applicable user, LQpay will not intentionally use personal information, protected health information, prompts, conversations, call recordings, transcripts, or customer confidential information submitted to AI enabled services for training unrelated third-party general-purpose AI models.

LQpay may use operational, security, quality, performance, and troubleshooting information as reasonably necessary to operate, secure, maintain, improve, and support the Services consistent with applicable law, contracts, and our Privacy Policy.

14.10 Privacy, HIPAA, and AI Governance:Where applicable, LQpay will implement administrative, technical, and organizational safeguards appropriate to the nature of the information processed and consistent with applicable privacy, security, healthcare, and AI governance obligations.

14.11 Transparency:Where required by applicable law, LQpay will disclose when a user is directly interacting with an AI enabled system and will provide transparency notices regarding the purpose and nature of such interaction.

14.12 Entire Agreement:These Terms, together with our Privacy Policy and any applicable agreements governing specific services, AI services, payment services, workflows, or customer agreements, constitute the complete agreement between the parties concerning use of the Site and Services.