Terms of Use

These Terms of Use apply to your use of Payo. By accessing or using the app, you agree to these terms.

1. Acceptance of Terms

If you do not agree with these terms, do not use Payo. Your continued use of the app means you accept the current version.

2. Eligibility

You must be legally able to use iOS apps and App Store services in your region.

3. Your Responsibilities

• You are responsible for the accuracy of subscription details you enter in the app.
• You are responsible for maintaining the confidentiality of your account credentials.
• You are responsible for your own financial decisions and payment actions.

4. Subscription and Billing

Paid features, if offered, are processed through Apple In-App Purchase. Apple manages billing, renewals, payment methods, and cancellations under Apple’s terms.

5. Prohibited Use

• Do not use the app for unlawful, fraudulent, or abusive purposes.
• Do not attempt to interfere with app security, reverse engineer the app, or misuse the service.
• Do not use automated methods to access the app in a harmful or unauthorized way.

6. Disclaimer

Payo is provided on an “as is” and “as available” basis. We do not guarantee uninterrupted service or error- free operation.

7. Limitation of Liability

To the maximum extent permitted by law, Payo and its operators are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the app.

8. Changes to Terms

We may update these terms. Updated terms become effective when posted, and the date above will reflect the latest revision.

9. Contact

For questions about these terms, contact: payoapp@hotmail.com