Legal Information
Last Updated: January 2026
This page provides important legal information about PayTo.us and our services. Please read this information carefully, as it sets out the legal framework governing your use of our platform.
1. Company Information
PayTo.us is a digital payment processing platform designed to help creators and merchants sell digital products and accept online payments securely and efficiently.
- Platform Name: PayTo.us
- Service Type: Digital Payment Processing & E-commerce Platform
- Contact Email: legal@paytous.com
2. Services Provided
PayTo.us provides the following core services:
- Digital Product Hosting: Secure hosting and delivery of digital files to customers after purchase
- Payment Processing: Integration with Stripe for secure credit card and payment processing
- Subscription Management: Tools to create and manage recurring subscription plans
- Invoice Generation: Professional invoice creation and payment collection
- Checkout Pages: Customizable, branded checkout experiences for your products
- Analytics & Reporting: Sales data and revenue insights for merchants
3. Payment Processing
All payments on the PayTo.us platform are processed through Stripe, a leading global payment infrastructure company. By using our platform:
- You agree to be bound by Stripe's Terms of Service and Privacy Policy
- PayTo.us does not store, process, or have access to your full credit card details
- All financial transactions are encrypted and handled securely by Stripe
- Chargebacks and disputes are managed in accordance with Stripe's policies
Stripe's Terms of Service: stripe.com/terms
4. Limitation of Liability
PayTo.us acts as a technology platform connecting merchants and buyers. We are not a party to transactions between merchants and their customers. Accordingly:
- PayTo.us is not liable for the quality, safety, legality, or any other aspect of the products sold by merchants
- Our total liability to you for any claims arising from your use of the platform shall not exceed the fees paid by you to PayTo.us in the three months preceding the claim
- We are not liable for any indirect, incidental, punitive, or consequential damages
- We make no guarantees regarding platform uptime, though we strive for 99.9% availability
5. Intellectual Property Rights
All intellectual property related to the PayTo.us platform — including but not limited to software, design, brand assets, and content — is protected by applicable copyright, trademark, and other intellectual property laws.
- The PayTo.us name, logo, and brand are proprietary trademarks
- Unauthorized reproduction or use of our intellectual property is prohibited
- Merchants retain all intellectual property rights to their own products and content
- By listing products on our platform, merchants grant PayTo.us a limited license to display product information for the purpose of operating the platform
6. Dispute Resolution
If you have a dispute with PayTo.us, we encourage you to first contact us directly to seek resolution. Our process:
- Step 1: Submit your concern via our contact form or email support@paytous.com
- Step 2: Our team will respond within 5 business days with a proposed resolution
- Step 3: If unresolved, disputes may be submitted to mediation or arbitration
For payment disputes, buyers should first contact the merchant. If unresolved, buyers may raise a dispute through their payment card issuer.
7. Compliance & Regulations
PayTo.us is committed to operating in compliance with applicable laws and regulations:
- Data Protection: We comply with applicable data protection regulations. See our Privacy Policy for details
- Anti-Money Laundering (AML): We maintain AML procedures and may report suspicious activity as required by law
- Know Your Customer (KYC): Identity verification may be required for merchants in accordance with financial regulations
- Consumer Protection: We support consumer protection frameworks and require merchants to honor their stated policies
8. Refund Policy
Refund policies for individual products are set by merchants. PayTo.us's role in refunds is as follows:
- Merchants are responsible for clearly communicating their refund policies
- Buyers should contact the merchant directly for refund requests
- PayTo.us may intervene in unresolved disputes at our discretion
- Platform fees are generally non-refundable unless otherwise stated
9. Governing Law
These legal terms are governed by applicable law. Any disputes that cannot be resolved informally shall be submitted to binding arbitration or, where arbitration is not available, to courts of competent jurisdiction.
10. Updates to This Page
We may update this legal information page as our services evolve or as legal requirements change. We will update the "Last Updated" date at the top of this page when changes are made.
11. Contact Our Legal Team
For legal inquiries, compliance questions, or formal notices, please contact us:
- Email: legal@paytous.com
- Contact Form: Visit our Contact Page