By accessing and using the Help Pay For Me website (helppayforme.com) and our services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.
These Terms constitute a legally binding agreement between you and Help Pay For Me ("we," "our," or "us"). We reserve the right to modify these Terms at any time, and your continued use of our services constitutes acceptance of any changes.
2. Description of Service
Help Pay For Me provides digital payment facilitation services, specifically:
Processing payments for Chinese digital platforms and applications
Acting as an intermediary for international users who cannot directly access Chinese payment systems
Facilitating purchases of digital services, subscriptions, and virtual goods on Chinese platforms
Providing customer support for transaction-related inquiries
We do not own, operate, or control the Chinese platforms or services you purchase through us. We act solely as a payment facilitator and intermediary service.
3. Eligibility and Account Requirements
3.1 Age and Legal Capacity
You must be at least 18 years old to use our services
You must have the legal capacity to enter into binding contracts
You must provide accurate and truthful information
3.2 Account Security
You are responsible for maintaining the security of any account credentials
You must notify us immediately of any unauthorized use of your account
You are liable for all activities that occur under your account
3.3 Prohibited Users
You may not use our services if you:
Are located in a jurisdiction where our services are prohibited
Have been previously suspended or banned from our services
Are using our services for illegal or prohibited purposes
4. Service Usage and Restrictions
4.1 Permitted Use
Use our services only for legitimate digital purchases on Chinese platforms
Provide accurate information for all transactions
Comply with all applicable laws and regulations
Respect the terms of service of the Chinese platforms you're purchasing from
4.2 Prohibited Activities
You agree not to:
Use our services for money laundering, fraud, or other illegal activities
Attempt to circumvent security measures or access controls
Use automated systems or bots to access our services
Reverse engineer, decompile, or attempt to extract source code
Upload malicious code or attempt to disrupt our services
Violate any applicable laws or regulations
Use our services to purchase prohibited or illegal content
Provide false or misleading information
Attempt to access accounts or data belonging to other users
5. Payment Terms and Fees
5.1 Payment Processing
All payments must be made through our approved payment processors (PayPal, Intasend)
You are responsible for all payment processing fees charged by third parties
We reserve the right to verify payment information before processing transactions
5.2 Service Fees
Our service fees are clearly displayed before you complete any transaction
Fees may vary based on transaction amount, payment method, and service type
All fees are non-refundable unless required by law
5.3 Currency and Exchange Rates
Exchange rates are determined at the time of transaction processing
You acknowledge that exchange rates may fluctuate
We are not responsible for losses due to currency exchange rate changes
6. Transaction Process and Delivery
6.1 Order Processing
Orders are typically processed within 24-48 hours of payment confirmation
Processing times may vary based on Chinese platform requirements and availability
We will provide status updates throughout the transaction process
6.2 Service Delivery
Digital services are delivered directly to your specified accounts on Chinese platforms
You are responsible for providing accurate account information
Delivery confirmation will be provided when available
6.3 Failed Transactions
If a transaction fails due to platform issues, we will attempt alternative methods
If delivery is impossible, you may be eligible for a refund minus processing fees
Failed transactions due to incorrect information provided by you are non-refundable
7. Refunds and Cancellations
7.1 Refund Policy
Refunds are only available if we are unable to deliver the requested service
Digital goods and services are generally non-refundable once delivered
Processing fees and third-party charges are non-refundable
Refund requests must be submitted within 7 days of the original transaction
7.2 Cancellation
Orders can only be cancelled before processing begins
Once an order is submitted to a Chinese platform, it cannot be cancelled
Cancellation fees may apply depending on the processing stage
8. Intellectual Property Rights
All content on our website, including but not limited to text, graphics, logos, images, and software, is owned by Help Pay For Me or our licensors and is protected by intellectual property laws.
You may not reproduce, distribute, or create derivative works without permission
Our trademarks and service marks may not be used without authorization
You retain ownership of any content you submit to us
By using our services, you grant us a license to use your information as outlined in our Privacy Policy
9. Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you also agree to our Privacy Policy.
You acknowledge that our services require sharing certain information with Chinese platforms to complete transactions on your behalf.
10. Disclaimers and Warranties
10.1 Service Disclaimers
Our services are provided "as is" without warranties of any kind
We do not guarantee uninterrupted or error-free service
We are not responsible for the availability or functionality of Chinese platforms
We do not warrant the quality or suitability of services purchased through us
10.2 Third-Party Services
We are not responsible for the content, policies, or practices of Chinese platforms
Any disputes with Chinese platforms must be resolved directly with them
We disclaim all warranties related to third-party services
11. Limitation of Liability
To the maximum extent permitted by law:
Our total liability shall not exceed the amount you paid for the specific transaction
We are not liable for indirect, incidental, special, or consequential damages
We are not liable for losses caused by Chinese platform failures or changes
We are not liable for currency exchange losses or fluctuations
We are not liable for damages caused by your violation of these Terms
12. Indemnification
You agree to indemnify, defend, and hold harmless Help Pay For Me, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:
Your use of our services
Your violation of these Terms
Your violation of any third-party rights
Any false or misleading information you provide
13. Termination
13.1 Termination by You
You may stop using our services at any time
Pending transactions will be completed unless cancellation is possible
Your obligations under these Terms survive termination
13.2 Termination by Us
We may suspend or terminate your access for violations of these Terms
We may terminate services with reasonable notice for business reasons
We may immediately terminate for illegal activities or security threats
14. Force Majeure
We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, government actions, internet failures, or changes in Chinese platform policies or availability.
15. Governing Law and Jurisdiction
These Terms are governed by and construed in accordance with the laws of [Your Jurisdiction]. Any disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of the courts in [Your Jurisdiction].
If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.
16. Dispute Resolution
16.1 Informal Resolution
Before pursuing formal legal action, you agree to first contact us to attempt to resolve any disputes informally.
16.2 Arbitration
If informal resolution fails, disputes may be subject to binding arbitration in accordance with the rules of [Arbitration Organization], unless prohibited by local law.
17. Communication and Notices
We may communicate with you through:
Email notifications to your registered email address
Website announcements and notices
In-app notifications or messages
Physical mail if required by law
You are responsible for keeping your contact information current.
18. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective:
Immediately upon posting on our website for minor changes
30 days after notification for material changes
Your continued use constitutes acceptance of changes
19. Contact Information
For questions about these Terms of Service, please contact us:
These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and Help Pay For Me regarding the use of our services.