Terms & Conditions | Convertcred

1. Acceptance of Terms

By accessing or using Profay.com, you agree to be legally bound by these Terms and Conditions. If you do not agree, you must not use our services.

2. Nature of Services

Profay.com is a software consultation company providing educational tools and informational guidance to individuals seeking to start online businesses. We do not create financial accounts, apply for credit, provide legal, tax, financial, or investment advice, facilitate transactions, or guarantee outcomes.

3. No Professional Advice

All materials are for educational purposes only and do not constitute financial, legal, tax, or investment advice. Users should consult licensed professionals before making decisions.

4. User Responsibility

Users are solely responsible for financial decisions, credit applications, business formation, compliance with laws, and all outcomes resulting from their actions.

5. No Guarantees

We make no guarantees regarding credit approvals, funding, revenue, profitability, or business success. Testimonials and examples are illustrative only.

6. Fees and Payments

Fees are disclosed prior to purchase. Unless otherwise stated, payments are non-refundable. Chargeback abuse may result in termination and legal recovery.

7. Limitation of Liability

To the maximum extent permitted by law, Profay.com shall not be liable for any direct or indirect damages, financial losses, credit denials, or business failures. Liability is limited to the amount paid in the previous 90 days.

8. Indemnification

Users agree to indemnify and hold harmless Profay.com from any claims or liabilities arising from their use of services or violation of these Terms.

9. No Agency Relationship

Use of services does not create partnership, employment, joint venture, fiduciary, or agency relationship.

10. Mandatory Binding Arbitration

All disputes shall be resolved exclusively through binding arbitration under the Federal Arbitration Act in the State of New York. Users waive the right to court proceedings and jury trials.

11. Class Action Waiver

All disputes must be brought individually. Users waive the right to participate in class or collective actions.

12. Jury Trial Waiver

If arbitration is unenforceable, parties waive the right to a jury trial.

13. Intellectual Property

All website content, branding, software, and materials are the exclusive property of Profay.com and protected by intellectual property laws.

14. DMCA Policy

Copyright complaints must be submitted to client@profay.com with required identification, good faith statement, and signature. Repeat infringers may have access terminated.

15. Refund Policy

Profay.com will issue a refund if it fails to deliver agreed-upon consultation services. Refund requests must be submitted within 14 days and allow a 7-business-day resolution period. Refunds are not based on financial or business outcomes.

16. Earnings & Results Disclaimer

We make no guarantees of income, credit approval, funding, or business success. All ventures involve risk. Testimonials are not typical results. Users assume full responsibility for outcomes.

17. Governing Law

These Terms are governed by the laws of the State of New York.

18. Severability

If any provision is found unenforceable, the remaining provisions remain in effect.