Terms of Use

1. Acceptance of these terms

By accessing or using this website, you agree to these Terms of Use. If you do not agree with these terms, you should not use the website.

2. Website purpose

This website provides general information about Paytec Consulting, its advisory services, capabilities, and perspectives on business, payments, technology, commercial strategy, and related topics.

Website content is provided for general informational purposes only. It does not constitute legal, accounting, tax, financial, investment, cybersecurity, regulatory, or other professional advice.

You should obtain advice appropriate to your specific circumstances before making a business, technology, commercial, or investment decision.

3. No consulting relationship

Accessing this website, submitting a contact form, sending an email, or scheduling an introductory consultation does not create a consultant-client, adviser-client, fiduciary, or other professional relationship.

A consulting relationship is created only through a written agreement signed by Paytec Consulting and the applicable client.

4. Permitted use

You may access and use this website for lawful, personal, or internal business-information purposes.

You must not:

• Use the website for an unlawful, fraudulent, or harmful purpose
• Attempt to gain unauthorized access to the website or its systems
• Interfere with the security or operation of the website
• Introduce malicious code, automated attacks, or harmful material
• Use automated tools to extract content at unreasonable scale
• Misrepresent your identity or affiliation
• Use website content in a misleading or deceptive manner

5. Intellectual property

Unless otherwise stated, the website and its content are owned by or licensed to Paytec Consulting and are protected by applicable intellectual-property laws.

This includes:

• Written content and executive insights
• Graphics and visual elements
• Page designs and layouts
• Logos, names, and branding
• Downloadable materials
• Original frameworks and presentation materials

You may view, print, or save reasonable portions of the website for your own personal or internal business use, provided that you do not remove ownership notices or suggest that Paytec Consulting endorses you or your organization.

Website content may not be reproduced, republished, distributed, modified, sold, licensed, or commercially exploited without prior written permission from Paytec Consulting.

6. Accuracy and availability

Paytec Consulting makes reasonable efforts to provide useful and accurate information. However, website content may contain errors, omissions, or information that becomes outdated.

The website and its content are provided on an “as is” and “as available” basis without representations, warranties, or conditions of any kind, whether express, implied, statutory, or otherwise.

Paytec Consulting does not warrant that the website will always be available, uninterrupted, secure, or free from errors or harmful components.

7. Decisions and reliance

Business and technology decisions depend on facts, risks, requirements, and circumstances specific to each organization.

You are responsible for evaluating website content and for any decisions made or actions taken in reliance upon it.

8. Limitation of liability

To the fullest extent permitted by applicable law, Paytec Consulting and its owner, representatives, contractors, and service providers will not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive loss or damage arising from or connected with:

• Your access to or use of the website
• Your inability to access or use the website
• Reliance on website content
• Errors, omissions, interruptions, or security incidents
• Third-party websites, services, or content

This limitation applies regardless of the legal basis of the claim and even where Paytec Consulting has been advised of the possibility of such loss or damage.

9. Third-party links and services

The website may contain links to third-party websites or services, including consultation-booking, form-processing, hosting, social, or informational services.

These links are provided for convenience only. Paytec Consulting does not control, endorse, or assume responsibility for third-party websites, content, availability, security, or privacy practices.

10. Privacy

Personal information submitted through this website is handled in accordance with thePaytec Consulting Privacy Policy.

11. Changes to the website or these terms

Paytec Consulting may modify, suspend, or discontinue any part of the website without notice.

These Terms of Use may also be updated periodically. The revised terms become effective when posted, unless otherwise stated.

12. Severability

If any provision of these Terms of Use is found to be invalid, unlawful, or unenforceable, that provision will be severed or limited to the minimum extent necessary. The remaining provisions will continue in effect.

13. Governing law

These Terms of Use are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles.

Subject to applicable law, disputes relating to this website or these terms will be submitted to the courts located in Ontario, Canada.