VIORA PAY – TERMS & CONDITIONS
Effective Date: 8/10/2025
Last Updated: 8/10/2025
1. INTRODUCTION
Welcome to Viora Pay (“Viora Pay,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) form a legally binding agreement between you (“you,” “your,” or “Customer”) and Viora Pay for the use of our payment plan, installment financing, and related services (collectively, the “Services”).By accessing or using our Services, you agree to comply with and be bound by these Terms. If you do not agree, you must immediately discontinue use of the Services. These Terms apply whether you access our Services directly through Viora Pay or indirectly via a participating merchant or partner.
2. ELIGIBILITY & APPLICATION
2.1 Minimum Requirements – You must be at least 18 years old, legally capable of entering into binding contracts, and reside in a jurisdiction where our Services are available.
2.2 Application Process – To apply for a financing plan, you must provide accurate, complete, and up-to-date personal, financial, and contact information. Any false or misleading information may result in immediate termination of your plan and potential legal action.
2.3 Verification & Credit Checks – We reserve the right to perform identity verification, fraud prevention screening, and credit checks (soft or hard inquiries) prior to approving financing. You authorize us to communicate with credit bureaus and other third parties as necessary to assess your eligibility.
3. FINANCING & PAYMENT PLANS
3.1 Binding Payment Obligation – By accepting a financing plan, you agree to pay the total amount owed in full, in accordance with the payment schedule provided to you at the time of approval.
3.2 Payment Methods – Accepted payment methods may include bank transfer, debit card, credit card, or other methods we approve. You are responsible for ensuring that payment methods remain valid and funded for the duration of your plan.
3.3 Late or Missed Payments – Any payment not received by the due date will be considered late. Late payments may incur: Late fees (as disclosed in your agreement) Interest on overdue amounts (where applicable by law) Immediate acceleration of the full outstanding balance at our discretion
3.4 Returned Payments – If any payment is returned or declined, we may charge a returned payment fee and require alternative payment arrangements.
4. COLLECTIONS & LEGAL REMEDIES
4.1 Collections Rights – If your account becomes delinquent, we reserve the right to:Refer your account to a third-party debt collection agencyReport your delinquency to credit bureausInitiate legal proceedings to recover the balance owed
4.2 Customer Liability – You are responsible for all reasonable collection costs, including attorney’s fees, court costs, and third-party agency fees, incurred in recovering outstanding debt.
4.3 No Waiver – Our decision not to enforce any collection right immediately does not constitute a waiver of that right in the future.
5. MERCHANT RELATIONSHIPS
5.1 Independent Service – Viora Pay is a standalone fintech provider and is not owned, operated, or controlled by any merchant, brand, or financial institution unless expressly disclosed in writing.
5.2 Merchant Responsibilities – Merchants are solely responsible for the products or services you purchase. Viora Pay does not control, guarantee, or warrant the quality, safety, legality, or delivery of goods/services financed through our platform.
5.3 Refunds & Returns – Any refund or return request must be made directly to the merchant in accordance with their policy. Financing agreements remain binding until the merchant confirms and processes a refund through Viora Pay.
6. CUSTOMER OBLIGATIONS
By using our Services, you agree to:Provide truthful, accurate, and complete information at all timesKeep your contact and payment details up to dateNot use our Services for fraudulent or unlawful purposesComply with all terms, payment obligations, and applicable laws
7. TERMINATION & SUSPENSION
7.1 Our Right to Terminate – We may suspend or terminate your financing plan at any time if:You breach these TermsWe suspect fraudulent activityYou fail to make timely payments
7.2 Effect of Termination – Upon termination, the total outstanding balance becomes immediately due and payable.
8. DISPUTE RESOLUTION
8.1 Initial Resolution Attempt – If you have a dispute regarding your financing agreement or our Services, you must first contact our support team in writing at support@viora-pay.com. We will attempt to resolve all disputes in good faith within 30 days.
8.2 Binding Arbitration – If we cannot resolve the dispute, both parties agree to submit the matter to binding arbitration in accordance with the rules of the American Arbitration Association (AAA) (or applicable governing body in your jurisdiction).Arbitration shall be conducted by a single arbitrator in Delaware.The decision of the arbitrator shall be final and binding on both parties.
8.3 Class Action Waiver – You agree that all claims must be brought in your individual capacity and not as a plaintiff or class member in any class or representative proceeding.
9. LIMITATION OF LIABILITY
To the fullest extent permitted by law: Viora Pay shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including loss of profits, revenue, goodwill, or business opportunities, arising from your use of our Services. Our total liability in any matter related to the Services shall not exceed the total amount of fees you have paid to us in the 12 months preceding the event giving rise to the claim.
10. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless Viora Pay, its officers, directors, employees, agents, and affiliates from any claims, losses, damages, liabilities, costs, or expenses (including attorney’s fees) arising from: Your breach of these Terms Your violation of applicable laws or regulations. Any dispute between you and a merchant or third party regarding goods or services financed through Viora Pay
11. FORCE MAJEURE
We are not responsible for any delay or failure in performance caused by events beyond our reasonable control, including but not limited to: Acts of God Government actions Natural disasters Power or internet outage Strikes or labor disputes Cyberattacks or system failures
12. GOVERNING LAW
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles.
34. AMENDMENTS
We may update or amend these Terms at any time by posting the revised version on our website and updating the “Last Updated” date. Continued use of the Services after changes constitutes acceptance of the updated Terms.
15. SEVERABILITY
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
16. ENTIRE AGREEMENT
These Terms, together with any financing agreement you enter into with us, constitute the entire agreement between you and Viora Pay regarding the Services and supersede any prior agreements or understandings.
