Terms of Service

Last Updated: December 10, 2024

1. Introduction

Welcome to Forward Labs Pte Ltd (the "Company", "we", "us", or "our"), a payment gateway directory service registered and operating under the laws of Singapore with its registered office at 71 Robinson Road, #14-01, Singapore 068895. These Terms of Service ("Terms") govern your access to and use of our website, located at allpaymentgateways.com (the "Service").

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Service.

2. Definitions

  • "Service" means the payment gateway directory website and all content, services, and products available at allpaymentgateways.com
  • "User," "you," and "your" refers to the person, company, or organization that has visited or is using the website
  • "Content" refers to all information displayed, transmitted, or otherwise made available through the Service
  • "Payment gateway" refers to any payment gateway, processor, or financial service gateway listed in our directory

3. Information Collection and Use

Our collection and use of personal information in connection with the Service is as described in our Privacy Policy. By using the Service, you consent to such processing and you warrant that all data provided by you is accurate.

4. Service Description and Disclaimers

4.1. Service Overview

The Service provides a directory of payment gateways and comparison tools based on publicly available information. We do not:

  • Provide payment services directly
  • Act as an agent or representative of any payment gateway
  • Guarantee the accuracy or completeness of information
  • Offer financial advice or recommendations

4.2. Data Accuracy

The information provided on this website is collected from publicly available sources and is for informational purposes only. While we strive to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information contained on the Service.

4.3. Third-Party Content

All information about payment gateways, including features, pricing, and coverage, is sourced from their public documentation, websites, and other publicly available materials. All product names, logos, brands, trademarks, and registered trademarks are property of their respective owners.

4.4. Not Financial Advice

The information on the Service does not constitute financial advice. Users must conduct their own due diligence and consult with appropriate professionals before making any business decisions regarding payment gateways.

4.5. Updates and Changes

Payment gateway features, pricing, and offerings may change without notice. While we endeavor to update our information regularly, there may be delays, omissions, or inaccuracies in the content. Users must verify all information directly with the payment gateways.

4.6. Comparison Limitations

Our comparisons are based on publicly available information and may not reflect custom pricing, special offers, or specific business arrangements. The actual services, features, and pricing you receive may vary based on your specific business needs, location, and volume.

5. Disclaimer of Warranties

5.1. Information Disclaimer

All information provided through the Service is for general informational purposes only and is obtained from publicly available sources. By using the Service, you acknowledge that:

  • Information may not be current or accurate
  • Pricing and features may have changed
  • Custom arrangements may exist that are not reflected in our data
  • Regional variations may apply
  • Terms and conditions may vary by gateway

5.2. General Warranty Disclaimer

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Merchantability
  • Fitness for a particular purpose
  • Non-infringement
  • Accuracy, reliability, or completeness of the information
  • Currency of information
  • Suitability for any specific business purpose

5.3. Service Warranty Disclaimer

We make no warranty that:

  • The Service will meet your requirements
  • The Service will be uninterrupted, timely, secure, or error-free
  • The results obtained from using the Service will be accurate or reliable
  • Any errors in the Service will be corrected
  • Information will be updated within any specific timeframe

5.4. External Links and Third-Party Content

When you click on links to payment gateway websites or access third-party content:

  • You will be leaving our Service
  • We are not responsible for the content, accuracy, or practices of external sites
  • You should verify all information independently
  • Different terms of service and privacy policies may apply

6. Intellectual Property

6.1. The Service and its original content (excluding content provided by payment gateways), features, and functionality are and will remain the exclusive property of Forward Labs Pte Ltd and its licensors.

6.2. Payment gateway names, logos, and trademarks remain the property of their respective owners.

7. Limitations of Liability

7.1. IN NO EVENT SHALL THE COMPANY, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR:

  • Any indirect, incidental, special, consequential, or punitive damages
  • Any loss of profits, data, use, goodwill, or other intangible losses
  • Any damages relating to your access to or use of the Service

7.2. This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, and even if we have been advised of the possibility of such damage.

8. Third-Party Links and Content

8.1. The Service may contain links to third-party websites, particularly payment gateway websites.

8.2. We are not responsible for:

  • The content or accuracy of any third-party websites
  • Any products or services offered by third parties
  • Any damage or loss caused by third-party content or websites

9. User Obligations

You agree to:

  • Use the Service in compliance with all applicable laws
  • Not misuse or attempt to manipulate the Service
  • Not attempt to access restricted areas of the Service
  • Not use the Service for any unlawful purpose

10. Changes and Termination

10.1. We reserve the right to:

  • Modify or discontinue the Service at any time
  • Change these Terms at any time
  • Terminate or suspend your access immediately, without prior notice, for any breach of these Terms

10.2. Changes to Terms will be effective immediately upon posting on the Service.

11. Governing Law

These Terms shall be governed and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions.

12. Dispute Resolution

12.1. Any dispute arising out of or in connection with these Terms, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved by arbitration in Singapore in accordance with the Arbitration Rules of the Singapore International Arbitration Centre ("SIAC Rules").

12.2. The arbitration shall be conducted in English.

13. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

14. Contact Information

For any questions about these Terms, please contact us at:

  • Email: support@allpaymentgateways.com

15. Entire Agreement

These Terms constitute the entire agreement between you and Forward Labs Pte Ltd regarding your use of the Service and supersede all prior and contemporaneous written or oral agreements between you and Forward Labs Pte Ltd.

By using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.