User Agreement & Privacy Policy

This User Agreement & Privacy Policy (the "Agreement") governs your access to and use of P2Bridge's website, applications, and services (collectively, the "Platform").

By accessing or using the Platform, you agree to be bound by this Agreement. If you do not agree, do not use the Platform.

User Agreement (Terms of Use)

This User Agreement & Privacy Policy (the "Agreement") governs your access to and use of P2Bridge's website, applications, and services (collectively, the "Platform"). By accessing or using the Platform, you agree to be bound by this Agreement. If you do not agree, do not use the Platform.

1. Eligibility

You must be at least the minimum age required by applicable law to use the Platform. By using the Platform, you represent that you are legally able to enter into this Agreement.

2. Account Registration

You may be required to create an account. You agree to:

  • Provide accurate information
  • Keep your credentials secure
  • Be responsible for all activity under your account

We may suspend or terminate accounts that violate this Agreement.

3. Use of the Platform

You agree not to:

  • Violate any applicable laws or regulations
  • Infringe intellectual property rights
  • Attempt to access systems without authorization
  • Interfere with Platform functionality
  • Use the Platform for fraudulent or harmful purposes

We reserve the right to investigate and take appropriate action for violations.

4. Payments

Payments are processed through Stripe. P2Bridge does not store full payment card information. Payment processing is subject to Stripe's terms and privacy policy.

Fees, if applicable, are non-refundable unless otherwise required by law.

5. Intellectual Property

All content, trademarks, software, and materials on the Platform are owned by or licensed to P2Bridge.

You may not copy, distribute, or create derivative works without prior written permission.

6. Third-Party Services

The Platform may integrate or link to third-party services. P2Bridge is not responsible for third-party content, services, or practices.

7. Termination

We may suspend or terminate your access at any time, with or without notice, if you violate this Agreement or if required for legal or security reasons.

8. Disclaimer of Warranties

The Platform is provided "as is" and "as available." We make no warranties regarding availability, accuracy, or fitness for a particular purpose.

9. Limitation of Liability

To the maximum extent permitted by law, P2Bridge shall not be liable for indirect, incidental, consequential, or special damages arising from your use of the Platform.

10. Indemnification

You agree to indemnify and hold harmless P2Bridge from claims arising out of your use of the Platform or violation of this Agreement.

11. Governing Law

This Agreement is governed by the laws of the jurisdiction in which P2Bridge is established, without regard to conflict of law principles.

12. Changes to the Agreement

We may update this Agreement from time to time. Continued use of the Platform after updates constitutes acceptance.

Privacy Policy

13. Information We Collect

Information You Provide

  • Name
  • Email address
  • Phone number
  • Account and profile information
  • Communications with us

Payment Information

Payments are processed by Stripe. P2Bridge does not store full card numbers.

Automatically Collected Information

  • IP address
  • Device identifiers
  • Browser and usage data
  • Cookies and similar technologies

14. How We Use Personal Data

We use personal data to:

  • Operate and maintain the Platform
  • Process transactions
  • Communicate with users
  • Improve functionality and performance
  • Provide customer support
  • Conduct analytics and research
  • Market and promote services (where permitted)
  • Comply with legal obligations
  • Prevent fraud and ensure security

15. Legal Basis for Processing (EU / UK Users)

For users in the EEA, UK, or Switzerland, processing is based on:

  • Performance of a contract
  • Legitimate interests
  • Consent (where required)
  • Legal obligations

You may object to certain processing where permitted by law.

16. Data Sharing With Partners (No Sale of Personal Data)

We do not sell personal data.

We may share personal data with trusted partners for legitimate business purposes, including:

  • Payment processors (e.g., Stripe)
  • Cloud hosting providers
  • Analytics and performance partners
  • Marketing and attribution partners
  • Customer support and CRM providers
  • Business partners, integrations, or joint offerings
  • Affiliates and subsidiaries
  • Professional advisors
  • Government or regulatory authorities when required by law

All partners are contractually required to protect personal data and use it only for agreed purposes.

17. International Data Transfers

Your data may be processed outside your country of residence, including in the United States. Where required, appropriate safeguards such as Standard Contractual Clauses are used.

18. Cookies and Tracking

We use cookies to support functionality, analytics, and marketing. Where required by law, consent is obtained for non-essential cookies.

19. Data Retention

Personal data is retained only as long as necessary to fulfill the purposes described in this Agreement or to comply with legal obligations.

20. Data Security

We use reasonable technical and organizational safeguards to protect personal data, but no system can be guaranteed to be completely secure.

21. Your Rights

Depending on your location, you may have rights to:

  • Access, correct, or delete data
  • Restrict or object to processing
  • Withdraw consent
  • Request data portability
  • File a complaint with a supervisory authority

22. Children's Privacy

The Platform is not intended for children under the minimum age required by law, and we do not knowingly collect their personal data.

23. Contact Information

For questions or requests regarding this Agreement or personal data:

P2Bridge@paxily.com

Nothing in this Agreement limits any mandatory rights under applicable data protection laws, including the GDPR and UK GDPR.