Terms of Service

NoAppPay lets small businesses ("Recipients") request one-time ACH debit payments from their customers ("Payers") by generating a secure link delivered via SMS and/or email. Payers connect their bank through Plaid Inc. and authorize a single debit for the exact invoiced amount. We are a software platform, not a bank.

You must be at least 18 years old and able to enter into a binding contract. Recipients must operate a legitimate business and provide accurate identifying information on request.

• You will only invoice Payers for legitimate goods or services you have provided or contracted to provide.
• You will not use the Service for any prohibited business or activity, including (without limitation): gambling, adult content, debt collection on behalf of third parties, multi-level marketing, drugs, firearms, securities, money services, or any activity prohibited under U.S. or applicable state law.
• You are responsible for the accuracy of every invoice you issue and for resolving disputes with your Payers.
• You will not impersonate any person or business or misrepresent your identity to a Payer.

By clicking "Connect Bank & Authorize" on the payment page, the Payer authorizes the Recipient (through NoAppPay and our banking partners) to initiate a single ACH debit from the selected bank account for the exact amount displayed on the virtual check. This authorization applies only to the single specified invoice and is not a recurring authorization.

The Payer represents that they are the owner of, or have explicit authority to use, the bank account they connect.

Right to revoke. The Payer may revoke this authorization at any time before the debit is submitted to the ACH network by contacting support@noapppay.com. Once submitted, revocation is governed by NACHA Operating Rules and the Payer's bank.

ACH debits are subject to return for reasons including (but not limited to) insufficient funds, unauthorized debit, or stop-payment by the Payer's bank. Returned debits will cause the corresponding invoice to be marked "Failed" on the Recipient's ledger. The Recipient is responsible for resolving the underlying dispute directly with the Payer.

NoAppPay does not process refunds. If a Recipient wishes to refund a Payer, they must do so outside the Service (e.g., by issuing a new ACH credit, sending a check, or using their own banking tools).

Current pricing is published at noapppay.com/pricing. We reserve the right to change fees on 30 days' notice to active Recipients. Fees are deducted from the Recipient's settled funds or invoiced separately, at our discretion.

Bank-account connectivity is provided by Plaid Inc. under Plaid's End User Privacy Policy. SMS delivery may be provided by Twilio or GoHighLevel; email delivery by Resend, SendGrid, or GoHighLevel; and ACH processing by our banking partner. Each of these providers has its own terms; we are not responsible for their independent acts or omissions.

You agree not to:

• Use the Service to send unsolicited messages, spam, or phishing communications.
• Attempt to reverse-engineer, scrape, or disrupt the Service.
• Circumvent security features (including signed-token expiry) or use the Service to defraud any person.
• Use the Service in violation of NACHA Operating Rules, Regulation E, or any applicable law.

We may suspend or terminate any account that violates these Terms, with or without notice.

The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

To the maximum extent permitted by law, our total cumulative liability for any claim arising out of or related to the Service is limited to the greater of (a) the fees you paid us in the twelve months before the claim, or (b) one hundred U.S. dollars ($100). We are not liable for indirect, incidental, special, consequential, or punitive damages, including lost profits or lost data.

You agree to indemnify and hold harmless NoAppPay, its officers, employees, and partners from any claim arising out of (a) your use of the Service, (b) your breach of these Terms, (c) any invoice you issue, or (d) any dispute between a Recipient and a Payer.

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-laws principles. Any dispute will be resolved by binding arbitration on an individual basis (no class actions) in Tallahassee, Florida, except that either party may seek injunctive relief in court for intellectual-property or unauthorized-use claims.

We may update these Terms from time to time. Material changes will be posted on this page and communicated to active Recipients at least 30 days in advance.

support@noapppay.com · Pro Bono Legal, LLC · 1625 Centerville Rd, Tallahassee, FL 32308