Welcome to SmartCollections. By accessing and using our payment gateway services, you agree to be bound by the following Terms and Conditions. Please read them carefully. If you do not agree with these terms, you should not use our services.

1. Acceptance of Terms
By accessing or using the SmartCollections payment gateway services, you agree to comply with and be bound by these Terms and Conditions, as well as any applicable laws and regulations. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of any changes.

2. Services Provided
SmartCollections provides payment gateway services that enable businesses to process online transactions securely and efficiently. Our services include, but are not limited to, transaction processing, integration support, and customer service.

3. Account Registration
To use our services, you may be required to create an account with us. You agree to provide accurate, current, and complete information during the registration process and to update your information as necessary to keep it accurate, current, and complete. You are responsible for safeguarding your account credentials and for all activities that occur under your account.

4. Fees and Payments
You agree to pay all fees associated with the use of our services as outlined in your agreement or pricing plan. Fees are subject to change, and we will notify you of any changes in advance. All fees are non-refundable unless otherwise specified.

5. Usage Restrictions
You agree to use our services only for lawful purposes and in accordance with these Terms and Conditions. You may not:
Use our services to process illegal or fraudulent transactions.
Attempt to gain unauthorized access to any systems or networks related to our services.
Engage in any activity that disrupts or interferes with the operation of our services.

6. Security
We implement reasonable security measures to protect your information and transactions. However, you are responsible for maintaining the security of your own systems and devices. You must notify us immediately if you suspect any unauthorized use of your account or any security breach.

7. Limitation of Liability
SmartCollections is not liable for any indirect, incidental, special, or consequential damages arising out of or in connection with the use of our services. Our liability to you for any claim arising out of or related to our services is limited to the amount you have paid for the services in the twelve (12) months preceding the claim.

8. Termination
We reserve the right to suspend or terminate your access to our services at any time, with or without cause, if we believe you have violated these Terms and Conditions or any applicable laws. Upon termination, you must cease all use of our services.

9. Intellectual Property
All intellectual property rights related to our services, including but not limited to trademarks, logos, and software, are owned by SmartCollections or our licensors. You may not use our intellectual property without our prior written consent.

10. Indemnification
You agree to indemnify, defend, and hold harmless SmartCollections, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of or related to your use of our services or any violation of these Terms and Conditions.

11. Contact Us
If you have any questions or concerns about these Terms and Conditions or our services, please contact us at [info@smartcollections.com] or through our website [SmartCollections Contact Page].

Thank you for choosing SmartCollections. We look forward to supporting your business with our payment gateway solutions.