Terms of Service

You agree to use the Services only for lawful purposes and in accordance with these Terms. You agree not to use the Services:

• In any way that violates any applicable federal, state, local, or international law or regulation
• To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail", "chain letter", "spam", or any other similar solicitation
• To impersonate or attempt to impersonate Naopay, a Naopay employee, another user, or any other person or entity
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Services, or which, as determined by us, may harm Naopay or users of the Services or expose them to liability
• To attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Services, the server on which the Services are stored, or any server, computer, or database connected to the Services

The Services provided by Naopay are not a substitute for professional legal advice. The contract templates and AI-generated content provided through our Services are for informational purposes only and should not be construed as legal advice.

Naopay is not a law firm, and the Services do not create an attorney-client relationship between Naopay and any user. We recommend that you consult with a qualified attorney for specific legal advice tailored to your situation before using any contracts generated through our Services for official purposes.

You acknowledge and agree that Naopay is not responsible for any legal consequences that may arise from your use of the contracts or other content generated through our Services.

Free Trial: We may offer a free trial period for our Services. At the end of the trial period, you will be charged according to the plan you selected unless you cancel your subscription before the trial period ends.

Subscription Fees: By subscribing to our Services, you agree to pay the subscription fees as described on our pricing page. Fees are payable in advance and are non-refundable except as expressly provided in these Terms.

Billing: We use third-party payment processors to bill you through a payment account linked to your account. Billing occurs on a recurring basis based on your subscription plan (monthly or annually). If a payment is not successfully settled, we may attempt to charge the payment method one or more times.

Changes to Fees: We reserve the right to change our subscription fees at any time. If we change our fees, we will provide notice of the change on the website or by email, at our discretion. Your continued use of the Services after the fee change becomes effective constitutes your agreement to pay the changed amount.

Cancellation: You may cancel your subscription at any time through your account settings or by contacting our customer support. Upon cancellation, your subscription will remain active until the end of your current billing period.

Your Content: You retain all rights to any information, data, text, or other materials that you upload, submit, or otherwise make available through the Services ("User Data"). By providing User Data to us, you grant us a worldwide, non-exclusive, royalty-free license to use, copy, modify, and display your User Data solely for the purpose of providing the Services to you.

Accuracy: You are solely responsible for the accuracy, quality, integrity, legality, reliability, and appropriateness of your User Data. We are not responsible for any errors or omissions in any User Data provided by you.

Backup: You are responsible for maintaining your own backup of your User Data. We do not guarantee that your User Data will not be lost or corrupted, and we recommend that you regularly back up your important information.

Confidentiality: We will treat your User Data as confidential and will only access it for the purpose of providing the Services, as required by law, or as otherwise authorized by you.

By You: You may terminate your account and subscription at any time by following the instructions on our website or by contacting our customer support.

By Us: We may terminate or suspend your account and access to the Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Effect of Termination: Upon termination, your right to use the Services will immediately cease. If your account is terminated due to your breach of these Terms, you may not register for a new account without our permission.

Survival: All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Our Content: The Services and their original content, features, and functionality are and will remain the exclusive property of Naopay and its licensors. The Services are protected by copyright, trademark, and other laws of both the United States and foreign countries.

Feedback: If you provide us with any feedback or suggestions regarding the Services ("Feedback"), you hereby assign to us all rights in such Feedback and agree that we shall have the right to use and fully exploit such Feedback in any manner we deem appropriate.

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NAOPAY EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

NAOPAY DOES NOT WARRANT THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY DEFECTS IN THE SERVICES WILL BE CORRECTED.

IN NO EVENT SHALL NAOPAY, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (I) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (II) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES; (III) ANY CONTENT OBTAINED FROM THE SERVICES; AND (IV) UNAUTHORIZED ACCESS, USE OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE SERVICES DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY.

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

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Services.

• March 30, 2025: Initial Terms of Service published

If you have any questions about these Terms, please contact us at:

Email: legal@nao-pay.com
Address: 123 Legal Tech Way, Suite 400, San Francisco, CA 94105