SIGNIFYD TERMS OF SERVICE (UK/EEA)

Effective: March 21, 2023 to May 1, 2024

Welcome to our website at www.signifyd.com (the “Site”). These Terms of Service (these “Terms”) constitute a binding legal agreement between you (either an individual or an entity, “you” or “Subscriber”) and Signifyd, Inc. (“Signifyd,” “we,” or “us”) regarding your use of the Site, including your use of any version of any of our fraud and abuse prevention or screening services provided through our customer portal on the Site (collectively, the “Service”).

Please read these Terms carefully. By clicking “I Accept,” registering for an account on the Site or otherwise for the Service, or otherwise using the Site or the Service, you agree to be bound by these Terms and to use the Site and the Service in compliance with these Terms. If you are registering for access to, or otherwise accessing or using, the Site or the Service on behalf of a company or other legal entity, you and such company or entity represent and warrant that (i) you have the right and legal authority to bind such company or entity to these Terms; (ii) such company or entity is fully aware of, understands, and agrees to be bound by these Terms (with the terms “you” and “your” as used herein referring to such company or entity), and (iii) you agree to be bound by these Terms on behalf of such company or entity. If you do not qualify for the Service, or do not agree to these Terms, then you should not and may not register for, access, or use the Site or Service.

These Terms provide that all disputes between you and Signifyd will be resolved by BINDING ARBITRATION. YOU AGREE TO GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under this contract, except for matters that may be taken to small claims court. your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury, and your claims cannot be brought as a class action. Please review Section 20 (“Dispute Resolution and Arbitration”) below for the details regarding your agreement to arbitrate any disputes with Signifyd.

1. Definitions.
   1. “Affirmative Advisory Notice” shall have the meaning ascribed to it in Section 2.2.
   2. “Chargeback Reason Code Policy” means the policy available at community.signifyd.com/support/s/article/gfp-chargeback-coverage that sets forth eligible chargeback reason codes, as may be modified from time to time by Signifyd, with any such amendment being applicable only to Submitted Transactions for which Fraud Screening Services were provided after the date of the modification.
   3. “Content” means any information (including contact information), data, audio, visual, and audiovisual works, any score or rating regarding an individual or an actual or prospective ecommerce transaction, any results or recommendations (including Affirmative Advisory Notices), or any other content made available through the Service including such content developed and provided in connection with Professional Services, but excluding User Data (defined below).
   4. “Ecommerce transaction” means orders (i) taken in a “card-not-present” environment and (ii) made with credit card-related payment methods, which consist of credit cards, PayPal, Samsung Pay, Apple Pay, Google Pay, Android Pay, Amazon Pay, pre-paid cards, debit cards, and any other methods approved in writing by Signifyd. For the avoidance of doubt, an ecommerce transaction does not include orders (i) taken in a point-of-sale terminal or in-person or (ii) made with non-credit card-related alternative payment methods, including ACH, Bitcoin, carrier billing, cash/COD, check, money orders, and wire transfer, unless otherwise indicated in an agreement with Signifyd.
   5. “Eligible Chargeback” means a chargeback provided by a financial institution indicating a fraudulent transaction or “no cardholder authorization” and having one of the eligible chargeback reason codes stated in the Chargeback Reason Code Policy. For clarity, Signifyd may elect to recognize additional reason codes as Eligible Chargebacks on a case-by-case basis, in its sole discretion; chargebacks provided with any other reason codes, including those listed as ineligible chargeback reason codes in the Chargeback Reason Code Policy, are not Eligible Chargebacks.
   6. “End User” means an end user on the Subscriber Storefront.
   7. “Fraud Screening Services” means the ecommerce fraud screening services provided through the Service to help you determine whether to accept or decline an ecommerce transaction for physical goods (unless digital or other non-physical goods are otherwise permitted pursuant to the applicable Order) of an End User, as further described in Section 2.2.
   8. “Order” shall have the meaning ascribed to it in Section 2.1.
   9. “Order Amount” shall have the meaning ascribed to it in Section 2.2.
   10. “Process” shall have the meaning ascribed to it in Section 9.
   11. “Professional Services” shall have the meaning ascribed to it in Section 2.4.
   12. “Service” means Signifyd’s cloud-based service currently known as “Guaranteed Payments,” made available by Signifyd through the Site, including any plug-ins or APIs provided by Signifyd for use with the Subscriber Storefront and all related documentation provided by Signifyd.
   13. “SOW” shall have the meaning ascribed to it in Section 2.4.
   14. “Submitted Transaction” shall have the meaning ascribed to it in Section 2.2.
   15. “Subscriber Storefront” means, collectively, your ecommerce storefront(s) and your account(s) on any third-party ecommerce platform approved by Signifyd.
   16. “Subscription Term” shall have the meaning ascribed to it in Section 6.2.
   17. “User Data” shall have the meaning ascribed to it inSection 9.2.
2. Use of the Service
   1. General. Subject to your ongoing compliance with these Terms (including the timely payment of all applicable fees), we grant you a non-exclusive, revocable, non-sublicensable, non-assignable and non-transferable right, during the applicable Subscription Term, to access and use the Service for which you have purchased a subscription through our website or pursuant to a mutually executed order form (each an “Order”) and the Content solely to request and receive Fraud Screening Services for your internal business purposes. For the avoidance of doubt, your right to use the Service is subject to any usage metrics and limitations set forth in the applicable Order.
   2. Fraud Screening Services. To request Fraud Screening Services from us, you must provide to us through the applicable features of the Service the requested details of an ecommerce transaction of an End User (a “Submitted Transaction”), including the End User’s order amount for which you are seeking Fraud Screening Services (the “Order Amount”) and other User Data. Each such request for Fraud Screening Services for a Submitted Transaction is subject to our acceptance in our sole discretion. If we accept your request for Fraud Screening Services for a given Submitted Transaction, we will provide you a notice (whether in the form of an icon, marker, or other notification on the Service or Subscriber Storefront, or otherwise) indicating whether it advises you to accept or decline such Submitted Transaction (an “Advisory Notice,” and the date on which an Advisory Notice is provided by us (the “Advisory Notice Date”). You will be required to pay fees for Fraud Screening Services if we provide an Advisory Notice to you recommending that you accept the Submitted Transaction (an “Affirmative Advisory Notice”) unless you: (a) provide to Signifyd documentation indicating that you have provided a full refund to the applicable End User in connection with the corresponding Submitted Transaction; and (b) cancel the submission of a Submitted Transaction through the applicable feature on the Service (“Cancellation Feature”) within a number of days following the applicable Advisory Notice Date equal to the lesser of (i) 30 days or (ii) the number of days allowed for returns in your return policy for the Subscriber Storefront (“Cancellation Notice”). Our acceptance of a Cancellation Notice is subject to our reasonable discretion, and will be subject to all guidelines, terms, and agreements applicable to the Cancellation Feature as described at the Guarantee Cancellation Policy available at www.signifyd.com/resources/faq/signifyd-console/cancel-guarantee. In the event you cancel the submission of a Submitted Transaction pursuant to the terms of our Guarantee Cancellation Policy available at www.signifyd.com/resources/faq/signifyd-console/cancel-guarantee (each, a “Transaction Cancellation”), we will charge you a $0.30 fee for each such Transaction Cancellation. If we provide you an Advisory Notice advising you to decline a Submitted Transaction and you reasonably believe that it is not a fraudulent transaction, then you can provide us additional information regarding such Submitted Transaction and re-submit such Submitted Transaction for Fraud Screening Services within 7 days of the original submission.
   3. Eligible Chargeback.
      1. Notices and Credits. If you receive notice from a financial institution of an Eligible Chargeback with respect to a Submitted Transaction for which we provided an Affirmative Advisory Notice, in order to be eligible for a credit (i) no fees owed by you under these Terms may be overdue, (ii) such Eligible Chargebacks must be submitted in accordance with our Reimbursement Policy community.signifyd.com/support/s/article/net-billing, and (iii) you must notify us by providing details regarding such Eligible Chargeback, as requested by us, through the applicable feature on the Service within 7 days from the date you received notice of the applicable Eligible Chargeback (“Chargeback Notice”). You shall promptly report to us any amounts received, expected to be received, or sought by you from any third party in connection with an Eligible Chargeback, including without limitation any payments resulting from insurance coverage held by you or arrangements for reimbursement or fraud protection offered by a payment processor (collectively, “Third-Party Reimbursements”). Subject to your continued compliance with these Terms, if we determine in our reasonable discretion that you have been subject to a valid Eligible Chargeback for a given Submitted Transaction despite receiving an Affirmative Advisory Notice, then we will issue you a credit against fees owed by you to us in an amount equal to the lesser of: (x) the actual total fees owed by you to an End User or financial institution (if any) as a result of the Eligible Chargeback (including, without limitation, any pre-arbitration fees directly resulting from an Eligible Chargeback that Signifyd disputes as the Representment Party); or (y) the Order Amount plus any associated standard chargeback transaction/processing fees charged by the applicable financial institution; each of (x) and (y) less any Third-Party Reimbursements actually received by Subscriber (each such amount, a “Chargeback Credit”). Each monthly invoice issued in accordance with Section 5 will reflect Chargeback Credits applicable to the period of time covered by the invoice.
      2. Authorizations. You hereby authorize us: (i) to verify or validate the chargeback for which you provide a Chargeback Notice by communicating with, or obtaining data from, the applicable merchant, End User, and/or payment processor and by otherwise accessing the applicable merchant portals and other third-party platforms; and (ii) in our sole discretion, to dispute such chargebacks, and you agree to provide to us all information regarding such chargeback and all authorizations to communicate with third parties necessary to enable us to verify, validate or dispute such chargeback.
      3. Conditions. You represent and warrant to us that: (i) the information about the applicable Submitted Transaction that you provide to us as required under Section 2.2 is accurate and complete as of the applicable Advisory Notice Date as reasonably determined by us; (ii) each Eligible Chargeback for which you provide a Chargeback Notice was issued or incurred (whichever is earlier) after the applicable Advisory Notice Date; (iii) you have taken, and will take, all steps as required and/or requested by the applicable financial institution with respect to each Submitted Transaction for which you submit a Chargeback Notice; and (iv) you have sent or delivered the item purchased by the End User in the Submitted Transaction, in every respect as required by the original order of the End User. Notwithstanding anything to the contrary set forth in these Terms, we will have no obligation to issue a Chargeback Credit if: (1) you have failed to comply with any of these Terms, including the representations and warranties set forth in the immediately preceding sentence of this Section 2.3.3, as reasonably determined by us; or (2) our designated claims team is unable to correlate the Chargeback Notice with the applicable Submitted Transaction. The parties hereby acknowledge and agree that your receipt of an Eligible Chargeback does not qualify as a breach of these Terms by us and the Chargeback Credit as set forth in this Section 2.3 is our sole obligation and liability with respect to an Eligible Chargeback you received.
      4. Representment. Unless otherwise agreed upon in writing, Signifyd shall represent Subscriber in the representment process for chargeback claims with respect to a Submitted Transaction for which we have issued you a Chargeback Credit, as indicated by notice of a voided chargeback from the financial institution that issued such Eligible Chargeback (“Chargeback Reversal”). In the event that Subscriber represents themself, and Subscriber is successful in a chargeback recovery investigation, Subscriber shall inform Signifyd within 10 business days of said recovery. Whether represented by Subscriber or Signifyd, the same amount will be returned or credited back to Signifyd, at the end of the current month as a net against claims creditable for Eligible Chargebacks.
   4. Professional Services. We may offer certain professional services to you related to implementation and development activities or other professional services as requested by you for an additional fee (“Professional Services”). If we agree to provide Professional Services to you, any such Professional Services will be provided pursuant to a Statement of Work (“SOW”) that has been executed by both parties and that describes such Professional Services and the fees therefor.
   5. Representations and Warranties.
      1. Compliance with Laws. Signifyd represents and warrants that it will comply with all laws generally applicable to Signifyd’s provision of the Service and the Content, including without limitation, applicable privacy, data security and data breach notification laws.
      2. Viruses. Signifyd represents and warrants that it uses commercially reasonable efforts to prevent the introduction of any Virus into Subscriber’s computer systems through the Service or Content. As used herein, “Virus” means viruses, malware, worms, “trojan horses” or other harmful code.
3. Account Registration. You must register for and maintain an account with us to use the Service. When registering, you must provide accurate and complete information and promptly update this information. You represent and warrant that all registration information you submit is truthful and accurate, and you agree to keep such information accurate and up-to-date at all times. If you provide any information that is inaccurate or incomplete, or that we have reason to believe is inaccurate or incomplete, we may suspend or terminate your account and your use of the Service. Only you and your employees are authorized to use your account, and you are responsible for all activities that occur through your account. You agree that: (i) you will not provide your user identification or password to any third party; and (ii) you will notify us immediately of any unauthorized use of your account or any other breach of security regarding the Service. You agree that all decisions or actions taken while holding this account are your own, and for which you shall hold sole responsibility. This is including, but not limited to, all actions taken regarding the Decision Center feature, account access and your use of the product.
4. Trials of the Service. We may offer “beta” or free trial versions or features of the Service (“Trials”). We will determine, at our sole discretion, the availability, duration (the “Trial Period”) and features of each Trial. THE TRIALS ARE PROVIDED “AS IS” WITHOUT ANY WARRANTIES. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THESE TERMS, IN NO EVENT WILL SIGNIFYD BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES OR LIABILITY RELATED TO, ARISING OUT OF, OR CAUSED BY THE TRIALS OR ANY MODIFICATION, SUSPENSION, OR TERMINATION THEREOF. Without limiting the foregoing and for the avoidance of doubt, if we make any Trial of the Services available to you, we will have no obligations (including any obligations to pay any Chargeback Payments) or liability with respect to any chargebacks you may receive in connection with any such Trial of the Services. If we permit you to use any Trial, you agree to provide feedback and respond to our questions or other inquiries regarding your use of the Trial, as applicable. We, at our sole discretion, shall determine whether to continue to offer any Trial. Upon completion of a Trial Period, you will lose access to the applicable Trial and any related Content unless you have purchased a subscription to the applicable Service pursuant to an Order. Unless otherwise set forth in an Order, any production candidate or non-production version of the Service will be considered a Trial. Except as provided in this Section 4, these Terms govern your use of the Trials, as part of the Service.
5. Fees.
   1. Subscription Fees. We charge fees as set forth in the applicable Order. Except as otherwise set forth in the applicable Order, we will invoice you monthly, and you must pay invoices within 30 days of the date of the invoice by check, credit card, ACH transfer or wire transfer. If we do not receive timely payment of an invoice, we may suspend or terminate your access to the Services or the applicable Order. Except as otherwise set forth in these Terms or the applicable Order, all payments are non-refundable and must be in U.S. dollars, and you are responsible for all applicable taxes (other than those taxes based on our income) or other governmental charges. Except as otherwise set forth in the applicable Order, we may modify our fees, and any such modification will apply beginning in the month following publication or other notice of the change. Following the initial subscription term, at the beginning of each Subscription Term, the then-current Guarantee Fee Rate (as defined in the applicable Order) shall be increased by three percent.
   2. Professional Services Fees. If the applicable SOW specifies that Signifyd will charge a fixed fee for the performance of Professional Services, then Signifyd shall invoice you a fee for the Professional Services in the amount set forth in such SOW. Such fee shall be payable within thirty (30) days following your receipt of the corresponding invoice. Our determination of any fixed fee assumes that you have provided accurate and complete information in response to inquiries by Signifyd, and that you will provide reasonable support in order to enable Signifyd to perform its obligations under the applicable SOW. If the technical or operational characteristics of the Subscriber Storefront and related networks or computer systems materially differ from the descriptions provided to Signifyd by you or if you fail to provide reasonable assistance, then Signifyd may charge an additional fee on a time and materials basis at our then-standard rates for time spent by Signifyd resources in performing the Professional Services in excess of the estimates used by us to establish the fixed fee.
6. Term and Termination.
   1. Term. These Terms will commence on the earlier of the date on which you accept these Terms, register for the Service or an account, or otherwise access or use the Site, Service, or Content, and will continue until terminated in accordance with these Terms.
   2. Subscription Term. Each Order will have the initial subscription term set forth therein, and, except as otherwise set forth in the applicable Order, will automatically renew for successive periods equal to the greater of the length of the initial subscription term and the prior subscription term, unless either party provides the other party at least 30 days’ notice of its intent not to renew prior to the end of the then-current subscription term (collectively, the “Subscription Term”).
   3. Termination. Either party may terminate these Terms or an Order by written notice if the other party materially breaches these Terms or the Order, as applicable, and fails to cure such breach within 30 days of written notice thereof. We may terminate these Terms or any Order(s) immediately in the event of insolvency affecting you under which you: (i) are unable to pay your debts when due; (ii) make any assignment or composition for the benefit of creditors; (iii) have appointed or suffer the appointment of a receiver or trustee for your business, property or assets; (iv) file or have filed against you any petition under the bankruptcy or insolvency laws of any jurisdiction; (v) are adjudicated bankrupt or insolvent; or (vi) suffer any other event analogous to the events described in subsections (i)-(v) in any jurisdiction. We may terminate these Terms or any Order (unless otherwise set forth in such Order) and refuse any and all current or future use of the Site, Service and Content, as applicable, by you, for any reason at any time without any liability to you upon 30 days’ prior written notice to you. Except as otherwise set forth in the applicable Order, you may terminate these Terms, your account, or any Order upon 30 days’ prior written notice by contacting customer service via our support portal, community.signifyd.com/support/s; however, any termination thereof will not relieve you of any current or future obligation to pay any fees or other costs owed by you to us under these Terms or any Order.
   4. Suspension. If you or your use of the Service negatively affects, or is reasonably expected to negatively affect, any part of the Service or the rights or interests of us or any third party, including in the event of breach of your payment obligations, or may result in a violation of applicable law, legal obligation, or legal rights of another, then, in addition to the termination rights set forth in Section 6.3 and any other remedies available to us, we reserve the right to suspend the Service or change the level of the Service, including without limitation the features or functionality thereof, provided to you, with or without notice and without liability to you.
   5. Effect of Termination. Upon the expiration or termination of an Order for any reason, you will immediately cease use of the applicable Service and Content and pay us all fees and other costs owed for services already rendered under such Order, except for the final month of such period and all rights granted to you with respect to such Service will immediately terminate. The final monthly invoice under each Order, will be issued between 60 and 90 days following expiration or termination of the Order to allow for Chargeback Credits to be received and accounted for in such invoice, pursuant to the terms of Section 2.3. Upon expiration of an Order or your termination for cause, to the extent that your account reflects a credit at the time the final invoice is issued, we will issue you payment in the amount of the remaining credit within 30 days following issuance of the final invoice. The provisions of Eligible Chargebacks, Fees, Ownership, Confidentiality, and User Data License and Privacy, Feedback, Warranty Disclaimers, Limitation of Liability, Indemnity, and Legal Notices will survive any termination or expiration of these Terms, except that none of the license rights granted by us to you under these Terms survive termination.
7. Access to the Service; Modifications to the Service. We do not provide you with the equipment to access the Site or the Service. You are responsible for all fees charged by third parties to access the Site and the Service (e.g., charges by Internet service providers). You acknowledge and agree that we will have no obligation to provide you with any support or maintenance in connection with the Site or Service except as otherwise set forth in the applicable Order. We reserve the right to modify or discontinue, temporarily or permanently, all or a part of the Site and the Service (including, without limitation, access to any Content, in whole or in part, and including but not limited to any prior cases of submitted transactions on the Service and any Content displayed to you in connection with such cases) without notice. You agree that we will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Service (including, without limitation, access to any Content, in whole or in part), except that to the extent you pay subscription fees to access or use the Service, you are only entitled to a prorated refund representing the unused (as of the date of termination) portion of any subscription fees that you have paid in advance if we permanently discontinue the Service in its entirety.
8. Ownership. The Site, the Service, and all Content are protected by applicable intellectual property laws, including United States copyright law and international treaties. We and our suppliers and licensors own all right, title, and interest, including all intellectual property rights, in and to the Site and the Service, including all Content on and available through the Site and the Service, and any and all underlying software and technology used to provide and make available the Site and the Service. Except for those rights expressly granted in these Terms, no other rights are granted, either express or implied, to you. All trademarks, logos and service marks displayed on the Site (“Trademarks”) are our property or the property of other third parties. You are not permitted to use these Trademarks without our prior written consent or the consent of such third party which may own the Trademarks.
9. User Data License and Privacy.
   1. Signifyd User Data Restrictions. We will not (i) identify you to any unaffiliated third party as the source of the User Data, (ii) disclose a complete data set of User Data for an ecommerce transaction to any unaffiliated third party, (iii) disclose more than the disaggregated portions of User Data that is necessary to exercise Signifyd’s rights and perform its obligations under these Terms, or (iv) Process User Data for purposes of cookie tracking, ad exchanges, data brokerages, ad networks, or sending electronic communications (including email) in violation of applicable law; provided, however, that the restrictions set forth in (i) – (iii) above shall not apply to (a) third-party cloud service providers engaged by Signifyd in connection with the Service, or (b) card issuers and others involved in payment processing activities for the purposes of assessing the associated fraud risk with a transaction.
   2. User Data License. Signifyd’s Privacy Policy, available at www.signifyd.com/privacy, is hereby incorporated into these Terms. To the extent that Signifyd’s Privacy Policy conflicts with other terms in these Terms, Signifyd’s Privacy Policy, as applicable, will control. For each Submitted Transaction, you will supply or make available to us, and you hereby authorize us to receive or collect from the Subscriber Storefront or other applicable third-party platform, information regarding the applicable End User, including such individual’s actual or attempted transactions on the Subscriber Storefront (collectively, “User Data”). You acknowledge that our provision of the Service is conditioned upon our receipt of correct and accurate User Data. You are solely responsible for the User Data. You hereby represent and warrant that the User Data, your provision of the User Data, and our use and disclosure of the User Data in accordance with these Terms (including Signifyd’s Privacy Policy, as applicable), does not violate any third-party rights or any laws, regulations, or obligations imposed by any third party. In addition, you hereby represent and warrant that you have obtained or will obtain and maintain all necessary consents, approvals, and waivers to permit you and each third-party platform to provide us with or otherwise authorize our access to User Data and to use and disclose to third parties User Data as contemplated by these Terms (including Signifyd’s Privacy Policy, as applicable). We have no obligation to back up any User Data and the User Data we store may be deleted at any time. You hereby grant to Signifyd, and you represent and warrant that you have the right to grant, for the purposes of exercising our rights and performing our obligations under these Terms and providing and improving our products and services (collectively, to “Process”), an irrevocable, perpetual, nonexclusive, royalty-free and fully paid, worldwide, sublicensable license to the User Data, in each case during and after the Term. To the extent that an agreement between Signifyd and one of Signifyd’s third-party providers requires Signifyd to grant a license in the User Data to such third-party provider, the scope of the license set forth in the foregoing sentence shall be deemed to include the rights necessary to enable Signifyd to grant such license to the applicable third-party provider.
   3. Your Restrictions for Submitting User Data. You shall ensure that no User Data: (i) violates, or that causes Signifyd or Signifyd’s affiliates, subsidiaries, or partners to violate, any applicable law, regulation, or order of any governmental authority in any jurisdiction; (ii) contains or embodies any trade secrets or information for which you have any obligation of confidentiality; (iii) infringes or violates, or may infringe or violate, any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party, or that you otherwise do not have the right to make available; or (iv) in Signifyd’s sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying the Service, or may expose Signifyd or Signifyd’s suppliers, licensors, or users to harm or liability of any nature. You must not use the Service to obtain any information regarding any person or entity in violation of any prohibition on you obtaining such information, including under any applicable law or regulation.
   4. Your Restrictions for Using the Service and Content. You will comply with all applicable laws when using the Service and any Content, and will use the Service and Content in accordance with all applicable documentation. Further, except as may be permitted expressly by applicable law or authorized by us in advance in writing, you will comply with Signifyd’s Acceptable Use Policy, available at www.signifyd.com/restrictions, which is hereby incorporated into these Terms.
   5. No Fair Credit Reporting Act Characteristics. You understand and agree that Signifyd is not a consumer reporting agency as defined by the Fair Credit Reporting Act, 15 U.S.C. §1681 et seq. (“FCRA”), and that the Service does not include “consumer reports” as defined in the FCRA. You understand that any information provided to Signifyd in order to use the Service has not been collected by Signifyd for credit purposes and is not intended to be indicative of any consumer’s credit worthiness, credit standing, credit capacity, or other characteristics listed in Section 603(d) of the FCRA.
10. Feedback. If you provide us with identification of any potential errors in, or improvements to, the Site, the Service, or any Content (including, without limitation, providing any feedback with respect to any person’s investigatory profile on the Service) (“Feedback”), you hereby grant us the unrestricted right to use your Feedback, including the right to use your Feedback to improve the Site and the Service and create other products and services. We will treat any Feedback you provide to us as non-confidential and non-proprietary. You agree that you will not submit to us any Feedback that you consider to be confidential or proprietary.
11. Links and Third Party Content. The Site and the Service may contain links to webpages and content of third parties that are not hosted by us (“Third-Party Content”) as a service to those interested in this information. We do not monitor, endorse, or adopt, or have any control over, any Third-Party Content. We undertake no responsibility to update or review any Third Party Content and can make no guarantee as to its accuracy or completeness. Additionally, if you follow a link or otherwise navigate away from the Site or the Service, please be aware that these Terms will no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any Third-Party Content provider to which you navigate from the Site or the Service. You access and use Third-Party Content at your own risk. The Site and the Service may contain advertisements and promotions from third parties. Your business dealings or correspondence with, or participation in promotions of, advertisers other than us, and any terms, conditions, warranties, or representations associated with such dealings, are solely between you and such third party.
12. Warranty Disclaimers. YOUR USE OF THE SITE AND THE SERVICE, INCLUDING, WITHOUT LIMITATION, YOUR USE OF ANY CONTENT, IS AT YOUR SOLE RISK. THE SITE, THE SERVICE, AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE AND OUR SUPPLIERS AND LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND RELATING TO THE SITE, THE SERVICE, AND THE CONTENT, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, AND ACCURACY, AND IMPLIED WARRANTIES ARISING FROM A COURSE OF DEALING OR COURSE OF PERFORMANCE. SIGNIFYD AND ITS SUPPLIERS AND LICENSORS DO NOT WARRANT UNINTERRUPTED USE OR OPERATION OF THE SITE OR THE SERVICE OR YOUR ACCESS TO ANY CONTENT. WE AND OUR SUPPLIERS AND LICENSORS MAKE NO WARRANTY THAT THE SITE, THE SERVICE, OR ANY CONTENT WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, THAT ANY RESULTS, DATA, INFORMATION, OR CONTENT OBTAINED OR DERIVED THROUGH THE USE OF THE SITE OR THE SERVICE OR ANY OF THE CONTENT WILL BE TIMELY, ACCURATE, COMPLETE, ERROR-FREE, OR SAFE, OR THAT ANY ERRORS IN THE SITE, THE SERVICE, OR ANY ERRORS IN ANY RESULTS, DATA, INFORMATION, OR CONTENT OBTAINED OR DERIVED THROUGH THE USE OF THE SITE OR THE SERVICE OR ANY OF THE CONTENT WILL BE CORRECTED. WE AND OUR SUPPLIERS AND LICENSORS WILL NOT BE LIABLE FOR DELAYS, INTERRUPTIONS, SERVICE FAILURES AND OTHER PROBLEMS INHERENT IN USE OF THE INTERNET AND ELECTRONIC COMMUNICATIONS OR OTHER SYSTEMS OUTSIDE OUR REASONABLE CONTROL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE SITE, THE SERVICE, OR ANY CONTENT WILL CREATE ANY WARRANTY REGARDING THE SITE, THE SERVICE, OR ANY CONTENT THAT IS NOT EXPRESSLY STATED IN THESE TERMS. SOME JURISDICTIONS MAY PROHIBIT A DISCLAIMER OF WARRANTIES AND YOU MAY HAVE OTHER RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION. IF APPLICABLE LAW REQUIRES ANY WARRANTIES WITH RESPECT TO THE SITE, THE SERVICE, OR ANY CONTENT, THE DURATION AND SCOPE OF SUCH WARRANTY WILL BE THE MINIMUM POSSIBLE UNDER SUCH APPLICABLE LAW.
13. Limitations of Liability. NEITHER SIGNIFYD NOR ITS SUPPLIERS OR LICENSORS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS INFORMATION, PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF SIGNIFYD OR ANY SUPPLIER OR LICENSOR HAS BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES), ARISING OUT OF OR RELATING TO THESE TERMS, ANY ORDER, OR YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, THE SITE, THE SERVICE, OR ANY CONTENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU. THE MAXIMUM TOTAL LIABILITY OF SIGNIFYD TO YOU FOR ALL CLAIMS OR DAMAGES ARISING UNDER OR RELATING TO THESE TERMS OR THE ORDERS, OR OTHERWISE RELATING TO THE SITE, THE SERVICE, OR ANY CONTENT, WHETHER IN CONTRACT, TORT, OR OTHERWISE, WILL NOT EXCEED THE TOTAL FEES, IF ANY, PAID BY YOU FOR YOUR ACCESS TO AND USE OF THE SITE OR THE SERVICE IN THE SIX MONTHS PRECEDING THE APPLICABLE CLAIM. IF A COURT FINDS THE MAXIMUM TOTAL LIABILITY UNDER THE PREVIOUS SENTENCE UNENFORCEABLE, THE MAXIMUM TOTAL LIABILITY OF SIGNIFYD TO YOU FOR ALL CLAIMS OR DAMAGES ARISING UNDER OR RELATING TO THESE TERMS OR THE ORDERS, OR OTHERWISE RELATING TO THE SITE, THE SERVICE, OR ANY CONTENT, WHETHER IN CONTRACT, TORT, OR OTHERWISE, WILL NOT EXCEED $50. YOU FURTHER AGREE THAT OUR SUPPLIERS AND LICENSORS WILL HAVE NO LIABILITY OF ANY KIND ARISING FROM OR RELATING TO THESE TERMS, THE SITE, THE SERVICE, OR ANY CONTENT. EACH PROVISION OF THESE TERMS THAT PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS TO ALLOCATE THE RISKS UNDER THESE TERMS BETWEEN THE PARTIES. THIS ALLOCATION IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN THE PARTIES. EACH OF THESE PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER PROVISIONS OF THESE TERMS. THE LIMITATIONS IN THIS SECTION WILL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
14. Indemnity.
    1. Indemnification by Subscriber. You will defend, indemnify and hold harmless Signifyd, its subsidiaries and affiliates, and their respective directors, officers, agents, employees, licensors, and suppliers from and against any third-party claims, proceedings or demands (“Claims”), and any related costs, damages, expenses, and liabilities (including reasonable attorneys’ fees), arising out of or related to your use of the Site, the Service, and any Content, any User Data you provide, your violation of any provision of these Terms, or your violation of any law, regulation, or rights of a third party. We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us and you agree to cooperate with our defense of these claims. You agree not to settle any matter without our prior written consent. We will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.
    2. Indemnification by Signifyd. Signifyd will defend or settle, at its sole option, any actual third-party Claims brought against you alleging that your use of the Service or Content in accordance with these Terms infringes any intellectual property rights of a third party, and Signifyd will pay any amount finally awarded to such third party by a court, or agreed upon by Signifyd and the third party, in connection with such Claim; provided that you promptly notify us upon becoming aware of any such Claim, provide us with sole control over the defense thereof, and cooperate with us, upon request, in our defense of the Claim. Notwithstanding the foregoing, Signifyd shall have no liability or obligations under this Section 14 to the extent the Claim arises from: (i) your provision of User Data to Signifyd; (ii) the use of the Service or Content in combination with any other software, hardware, content or materials; (iii) the modification of the Service or Content other than by Signifyd; or (iv) the use of the Service or Content in a manner: (a) for which the Service or Content was not designed or intended, or (b) not described in the applicable documentation provided by Signifyd.
    3. Double Recovery. Notwithstanding anything to the contrary, no provision of these Terms shall be construed to provide an indemnity or other recovery for any costs, damages, or other amounts for which the damaged party has been fully compensated under any other provision of these Terms or under any other agreement or action at law or equity.
15. Government Users. The Site, the Service, and all Content are “commercial items” as defined in 48 C.F.R. 2.101. Consistent with 48 C.F.R. 12.211 and 48 C.F.R. 12.212, such commercial items are provided to any U.S. Government users only as commercial Items and with only those rights and licenses set forth in these Terms and subject to the restrictions set forth in these Terms. All U.S. Government users use the Service with only those rights set forth in these Terms. In accordance with the tailoring provisions of FAR 12.302, these Terms amends certain provisions of FAR 52.212-4 as set forth herein, to the extent such provisions may be so tailored or amended in accordance with applicable law and government regulation. To the extent the foregoing tailoring or amendment is so permitted, the provisions of these Terms will take precedence over any otherwise applicable and conflicting or inconsistent provisions of the documentation between the parties and any provisions of the FAR that may be referenced therein.
16. Confidentiality and Publicity.
    1. Confidential Information. “Confidential Information” means any information disclosed directly or indirectly by one party (“Disclosing Party”) to the other party (“Receiving Party”) pursuant to these Terms that is either designated as “confidential” or under the circumstances of disclosure or by the nature of the information itself should be reasonably understood by the Receiving Party to be the confidential information of the Disclosing Party. Confidential Information does not include any information which (a) is or becomes generally known and available to the public through no act or omission of the Receiving Party; (b) was already in the Receiving Party’s possession at the time of disclosure by the Disclosing Party, as shown by the Receiving Party’s contemporaneous records; (c) is lawfully obtained by the Receiving Party from a third party who has the express right to make such disclosure; or (d) is independently developed by the Receiving Party without use of the Disclosing Party’s Confidential Information. The parties agree that the Service and Content are hereby deemed to be the Confidential Information of Signifyd, and the User Data is your Confidential Information. The terms (but not the existence) of these Terms are each party’s Confidential Information. Neither party shall use the Confidential Information of the other party for any purpose except to exercise its rights and perform its obligations under these Terms.
    2. Non-Use and Non-Disclosure. Neither party shall use the Confidential Information of the other party for any purpose except to exercise its rights and perform its obligations under these Terms. You shall limit access to and disclosure of our Confidential Information (including the Service and Content) to its own employees strictly with a “need-to-know,” provided that such employees have executed an agreement with you with confidentiality provisions at least as restrictive as those contained herein. You shall immediately notify us upon learning of any breach of this Section 16. We shall not disclose any of your Confidential Information, except to exercise our rights and perform our obligations under these Terms, and to our advisors or prospective investors or purchasers subject to a written obligation of confidentiality. Each party will take reasonable measures to protect the secrecy of, and avoid unauthorized disclosure and use of, the Confidential Information of the other party. A Receiving Party will use reasonable efforts to provide timely notice of compelled disclosure to facilitate confidential treatment of Disclosing Party’s Confidential Information, and will furnish only that portion of Confidential Information that it is legally required to disclose, after exercising reasonable efforts to obtain assurance that such information will receive confidential treatment.
    3. Publicity. If you register for an account to use the Service, you agree that we may disclose that you are a customer of ours, and may include your name and logo in any lists of customers on the Site and in other marketing collateral and press releases.
17. Changes to these Terms. We may make changes to these Terms from time to time. If we make any material changes, we may notify you by sending you an email to the last email address you provided to us (if any) and/or by prominently posting notice of the changes on the Site or the Service. Upon receiving notice of a material change to these Terms, To the extent that Subscriber is negatively impacted by such changes, Subscriber may terminate any Orders or SOWs that are subject to these Terms by providing Signifyd with written notice of its intent to terminate prior to the end of the thirty (30) day period and such termination shall be effective on the first day following the thirty (30) day period. Any changes to these Terms will be effective upon the earlier of thirty calendar days following our dispatch of an email notice to you (if applicable) or thirty calendar days following our posting of notice of the changes on the Site or the Service. These changes will be effective immediately for new users of our Site and our Service. Users of our Service are responsible for providing us with their most current email address. In the event that the last email address that you have provided us is not valid, or for any reason is not capable of delivering to you the notice described above, our dispatch of the email containing such notice will nonetheless constitute effective notice of the changes described in the notice. Continued use of the Site or the Service following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.
18. Consent to Electronic Communications. By using the Site or the Service, you consent to receiving electronic communications from us. These communications may include notices about your account and information concerning or related to the Site and the Service. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including that such communications be in writing.
19. Miscellaneous. Our failure to act in a particular circumstance does not waive our ability to act with respect to that circumstance or similar circumstances. Any provision of these Terms that is found to be invalid, unlawful, or unenforceable will be severed from these Terms, and the remaining provisions of these Terms will continue to be in full force and effect. The section headings and titles in these Terms are for convenience only and have no legal or contractual effect and the terms “including,” “including but not limited to,” and “including without limitation” as used in these Terms mean by way of example and not of limitation. You will not transfer or assign these Terms, directly or indirectly, to another person without our prior written consent. Nothing express or implied in these Terms is intended to confer upon any entity other than the parties and their respective successors and assigns any rights, remedies, obligations, or liabilities whatsoever. We will not be liable for any delay or non-performance of our obligations under these Terms due to any cause beyond our control. These Terms are governed by the laws of England and Wales, excluding conflicts of laws principles. Any controversy or claim arising out of or relating to the Site, the Service, or these Terms must be commenced by you in England within one year after the claim arose. If a lawsuit or court proceeding is permitted under these Terms, you consent to the exclusive personal and subject matter jurisdiction of the the Courts of England, and unconditionally waive to the extent permitted by applicable law: (a) any objection that you might now or hereafter have to the venue of any such court in any action so instituted under these Terms and (b) any claim that any action or proceeding so brought in any such court has been brought in an inconvenient forum. These Terms, together with all Orders and SOWs and including the Acceptable Use Policy, all exhibits, schedules and other documents incorporated by reference into these Terms and/or the Orders (i) constitute the entire agreement between you and Signifyd concerning the Site, the Service, and any Content and (ii) supersede all prior agreements or communications between you and Signifyd regarding the subject matter of these Terms, unless you and Signifyd have entered into a master subscription agreement, in which case the master subscription agreement, and not these Terms, will govern your access to and use of the applicable Service or portion thereof.
20. Dispute Resolution and Arbitration.
    1. Generally. In the interest of resolving disputes between you and Signifyd in the most expedient and cost effective manner, you and Signifyd agree that every dispute arising in connection with these Terms will be resolved by binding arbitration. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. Our agreement to arbitrate disputes includes all claims arising out of or relating to any aspect of these Terms, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of these Terms. YOU UNDERSTAND AND AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND SIGNIFYD ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.
    2. Exceptions. Despite the provisions of the paragraph directly above, we both agree that nothing in these Terms will be deemed to waive, preclude, or otherwise limit the right of either of us to: (a) bring an individual action in small claims court; (b) pursue an enforcement action through the applicable federal, state, or local agency if that action is available; (c) seek injunctive relief in a court of law; or (d) to file suit in a court of law to address an intellectual property infringement claim.
    3. Arbitrator. Any arbitration between you and Signifyd will be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, “LCIA Rules”) of the London Court of International Arbitration (“LCIA”), as modified by these Terms, and will be administered by the LCIA. The LCIA Rules and filing forms are available online at www.lcia.org, or by contacting Signifyd.
    4. Notice; Process. A party who intends to seek arbitration must first send a written notice of the dispute to the other, by certified mail or Federal Express (signature required), or if we do not have a physical address on file for you, by electronic mail (“Notice”). Signifyd’ address for Notice is: Signifyd Inc., 99 Almaden Blvd., 4th floor, San Jose, CA 95113. The Notice must: (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought (“Demand”). We agree to use good faith efforts to resolve the claim directly, but if we do not reach an agreement to do so within 30 days after the Notice is received, you or Signifyd may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by you or Signifyd must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any. If our dispute is finally resolved through arbitration in your favor, Signifyd will pay you the highest of the following: (i) the amount awarded by the arbitrator, if any; (ii) the last written settlement amount offered by Signifyd in settlement of the dispute prior to the arbitrator’s award; or (iii) $1,000.
    5. Fees. If you commence arbitration in accordance with these Terms, Signifyd will reimburse you for your payment of the filing fee, unless your claim is for more than $10,000, in which case the payment of any fees will be decided by the LCIA Rules. Any arbitration hearing will take place at a location to be agreed upon in London, England, but if the claim is for $10,000 or less, you may choose whether the arbitration will be conducted: (a) solely on the basis of documents submitted to the arbitrator; (b) through a non-appearance based telephone hearing; or (c) by an in-person hearing as established by the LCIA Rules in the county (or parish) of your billing address. If the arbitrator finds that either the substance of your claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)) or its international equivalent), then the payment of all fees will be governed by the LCIA Rules. In that case, you agree to reimburse Signifyd for all monies previously disbursed by it that are otherwise your obligation to pay under the LCIA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator must issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within 14 days of the arbitrator’s ruling on the merits.
    6. No Class Actions. YOU AND SIGNIFYD AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Signifyd agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding.
    7. Modifications. If Signifyd makes any future change to this arbitration provision (other than a change to our address for Notice), you may reject the change by sending us written notice within 30 days of the change to our address for Notice, in which case your account with Signifyd will be immediately terminated and this arbitration provision, as in effect immediately prior to the amendments you reject will survive.
    8. Enforceability. If Section 20.7 is found to be unenforceable or if the entirety of this Section 20 is found to be unenforceable, then the entirety of this Section 20 will be null and void and, in that case, the parties agree that the exclusive jurisdiction and venue described in Section 19 will govern any action arising out of or related to these Terms.
21. Contact Information; Disclosures. The Services are offered by Signifyd Inc., located at 99 Almaden Blvd., 4th floor, San Jose, CA 95113. If you have any questions or concerns about these Terms, the Site, or the Service, please send us a thorough description by email via our support portal. If you are a California resident, you may have these Terms mailed to you electronically by sending a letter to the foregoing address with your electronic mail address and a request for these Terms.

Current Terms of Service, since December 17, 2024
Previous Terms of Service:
May 2, 2024 to December 16, 2024
March 21, 2023 to May 1, 2024
December 13, 2022 to March 20, 2023
October 16, 2020 to December 12, 2022
May 14, 2020 to October 9, 2020
January 31, 2020 to May 14, 2020

Brazil terms of service in English

TERMOS DE SERVIÇOS DA SIGNIFYD (BRASIL)

Efetivo: de 21 de março de 2023 a 1º de maio de 2024

Bem-vindo à nossa página na Internet, no endereço www.signifyd.com (o “Site”). Estes Termos de Serviços (estes “Termos”) constituem um contrato legalmente vinculante entre você (uma pessoa física ou pessoa jurídica, “você” ou “Assinante”) e a Signifyd, Inc. (“Signifyd” ou “nós”) sobre o seu uso do Site, incluindo seu uso de qualquer versão de quaisquer de nossos serviços de prevenção ou detecção de fraude ou de abusos prestados através de nosso portal para clientes no Site (em conjunto, o “Serviço”).

Solicitamos que estes Termos sejam lidos com cuidado. Ao clicar em “Aceito”, criar uma conta no Site ou de outra forma para o Serviço, ou usar de outra forma o Site ou o Serviço, você concorda em vincular-se a estes Termos e em usar o Site e o Serviço em conformidade com estes Termos.

Se você estiver efetuando um registro para acesso ou de outra forma acessando ou utilizando o Site ou o Serviço em nome de uma empresa ou outra pessoa jurídica, você e essa empresa ou pessoa jurídica declaram e garantem que (i) você tem direito e autoridade legal para vincular essa empresa ou pessoa jurídica a estes Termos; (ii) essa empresa ou pessoa jurídica está plenamente ciente, compreende e concorda em vincular-se a estes Termos (sendo que os termos “você” e “seu”, conforme utilizados no presente instrumento, se referem à referida empresa ou pessoa jurídica), e (iii) você concorda em vincular-se a estes Termos em nome da referida empresa ou pessoa jurídica.

Se você não estiver qualificado para o Serviço, ou não concordar com estes Termos, você não deverá e não poderá efetuar o seu registro, acessar nem usar o Site ou o Serviço.

Estes Termos estabelecem que as controvérsias entre você e a Signifyd serão dirimidas pelo foro judicial da cidade de São Paulo, Estado de São Paulo, Brasil, ou por arbitragem. Solicitamos que você revise a Cláusula 19 (“Solução de Controvérsias e Arbitragem”) abaixo com as informações detalhadas sobre potenciais controvérsias com a Signifyd.

1. Definições.
   1. “Notificação de Recomendação Afirmativa” terá o significado atribuído na Cláusula 2.2.
   2. “Política de Códigos de Motivos para Estornos” significa a política disponível no endereço www.signifyd.com/chargeback-coverage, a qual estabelece os códigos de motivos para estornos elegíveis, cuja política poderá ser alterada a qualquer momento pela Signifyd (de acordo com a Cláusula 16), sendo qualquer alteração dessa natureza aplicável somente às Operações Submetidas acerca das quais os Serviços de Detecção de Fraude tenham sido prestados após a data da alteração.
   3. “Conteúdo” significa quaisquer informações (incluindo informações de contato), dados, obras de áudio, visuais e audiovisuais, qualquer pontuação ou classificação sobre uma pessoa física ou operação de comércio eletrônico ou potencial operação de comércio eletrônico, quaisquer resultados ou recomendações (incluindo Notificações de Recomendação Afirmativa), ou qualquer outro conteúdo disponibilizado através do Serviço, incluindo conteúdo desenvolvido e fornecido acerca dos Serviços Profissionais, mas excluídos os Dados dos Usuários (conforme definição abaixo).
   4. “Operação de comércio eletrônico” significa pedidos de compra (i) em ambiente “sem a presença física do cartão” e (ii) com métodos de pagamento que envolvam cartões de crédito, os quais compreendem cartões de crédito, PayPal, Samsung Pay, Apple Pay, Google Pay, Android Pay, Amazon Pay, cartões pré-pagos, cartões de débito e quaisquer outros métodos aprovados, por escrito, pela Signifyd. Para evitar dúvidas, uma operação de comércio eletrônico não inclui pedidos de compra (i) em terminais de ponto de venda ou presenciais ou (ii) com outros métodos de pagamento alternativos, incluindo ACH, Bitcoin, faturamento via transportadora, em dinheiro/COD, cheque, ordens de pagamento e transferência eletrônica.
   5. “Estorno Elegível” significa um estorno por uma instituição financeira, indicando fraude na operação ou inexistência de autorização pelo titular do cartão, e apresentando um dos códigos de motivos para estornos elegíveis previstos na Política de Códigos de Motivos para Estornos. Para fins de clareza, a Signifyd poderá optar pelo reconhecimento de outros códigos de motivos como Estornos Elegíveis em cada caso concreto, a seu exclusivo critério; não constituem Estornos Elegíveis os estornos por quaisquer outros códigos de motivos, incluindo aqueles listados como códigos de motivos para estornos inelegíveis na Política de Códigos de Motivos para Estornos.
   6. “Usuário Final” significa um usuário final do Estabelecimento Assinante.
   7. “Serviços de Detecção de Fraude” significa os serviços de detecção de fraude em comércio eletrônico prestado através do Serviço para auxiliar a determinar se uma operação de comércio eletrônico de bens físicos de um Usuário Final será aceita ou recusada (salvo se bens digitais ou outros bens não físicos tenham sido de outra forma permitidos de acordo com a Ordem aplicável), conforme descrito detalhadamente na Cláusula 2.2.
   8. “Ordem” terá o significado atribuído na Cláusula 2.1.
   9. “Valor da Ordem” terá o significado atribuído na Cláusula 2.2.
   10. “Processamento”  terá o significado atribuído na Cláusula 9.
   11. “Serviços Profissionais” terá o significado atribuído na Cláusula 2.4.
   12. “Serviço” significa o serviço por nuvem da Signifyd, conhecido como “Pagamentos Garantidos” (“Guaranteed Payments”), disponibilizado pela Signifyd através do Site, incluindo quaisquer conexões ou APIs fornecidos pela Signifyd para serem usados com o Estabelecimento Assinante e toda a documentação correlata fornecida pela Signifyd.
   13. “SOW” terá o significado atribuído na Cláusula 2.4.
   14. “Operação Submetida” terá o significado atribuído na Cláusula 2.2.
   15. “Estabelecimento Assinante” significa, em conjunto, seu(s) estabelecimento(s) de comércio eletrônico (ecommerce) e sua(s) conta(s) em qualquer plataforma de comércio eletrônico de terceiros aprovados pela Signifyd.
   16. “Prazo de Assinatura” terá o significado atribuído na Cláusula 6.2.
   17. “Dados dos Usuários” terá o significado atribuído na Cláusula 9.2.
2. Uso do Serviço.
   1. Geral. Sujeito ao seu contínuo cumprimento destes Termos (incluindo o pagamento pontual de todas as taxas aplicáveis), a Signifyd outorga ao Assinante um direito sem exclusividade, revogável, não passível de sublicenciamento, não passível de cessão e intransferível, durante o respetivo Prazo de Assinatura, de acesso e uso do Serviço cuja assinatura tenha sido adquirida através da nossa página na internet ou de acordo com um formulário de pedido mutuamente assinado (cada, uma “Ordem”) e do Conteúdo exclusivamente para a solicitação e recebimento dos Serviços de Detecção de Fraude para seus fins comerciais internos. Para evitar dúvidas, seu direito de uso do Serviço está condicionado a quaisquer métricas e limitações de uso estabelecidas na respectiva Ordem.
   2. Serviços de Detecção de Fraude.
      1. Solicitação dos Serviços de Detecção de Fraude. Para solicitar os Serviços de Detecção de Fraude da Signifyd, você deverá nos encaminhar, através das funções aplicáveis do Serviço, as informações detalhadas solicitadas da operação de comércio eletrônico de um Usuário Final (a “Operação Submetida”), incluindo o valor da ordem do Usuário Final para a qual você esteja solicitando os Serviços de Detecção de Fraude (o “Valor da Ordem”) e outros Dados dos Usuários.
      2. Notificação de Aceitação. Cada solicitação de Serviços de Detecção de Fraude para uma Operação Submetida está sujeita à nossa aceitação, ao nosso exclusivo critério. Se aceitarmos sua solicitação de Serviços de Detecção de Fraude para determinada Operação Submetida, iremos notificá-lo (na forma de um ícone, marcador ou outra notificação no Serviço ou no Estabelecimento Assinante, ou de outra forma), indicando ao Assinante a recomendação de aceitar ou recusar essa Operação Submetida (uma “Notificação de Recomendação” e a data na qual a Notificação de Recomendação for enviada pela Signifyd (a “Data da Notificação de Recomendação”).
      3. Taxas. O Assinante estará obrigado a pagar as taxas pelos Serviços de Detecção de Fraude se enviarmos uma Notificação de Recomendação ao Assinante recomendando ao Assinante a aceitação da Operação Submetida (uma “Notificação de Recomendação Afirmativa”), salvo se o Assinante: (a) apresentar para a Signifyd documentação indicando que o Assinante reembolsou integralmente o Usuário Final aplicável em relação à respectiva Operação Submetida; e (b) cancelar a submissão da Operação Submetida através da função aplicável no Serviço (“Função de Cancelamento”) no número de dias contados da respectiva Data da Notificação de Recomendação equivalente ao que for menor entre (i) 30 dias ou (ii) o número permitido de dias para devoluções de acordo com a política de devoluções para o Estabelecimento Assinante (“Notificação de Cancelamento”).
      4. Aceitação da Notificação de Cancelamento. Nossa aceitação da Notificação de Cancelamento está sujeita à nossa discricionariedade razoável, e estará sujeita a todas as diretrizes, termos e acordos aplicáveis à Função de Cancelamento, conforme descrito na Política de Cancelamento Garantido, disponível no endereço www.signifyd.com/resources/faq/signifyd-console/cancel-guarantee. Se você cancelar a submissão da Operação Submetida de acordo com os termos da nossa Política de Cancelamento Garantido, disponível no endereço www.signifyd.com/resources/faq/signifyd-console/cancel-guarantee (cada, um “Cancelamento de Operação”), será cobrada uma taxa de $0,30 por cada Cancelamento de Operação. Se for enviada ao Assinante uma Notificação de Recomendação, recomendando ao Assinante recusar a Operação Submetida e você razoavelmente acreditar que não há fraude na operação, então você poderá nos enviar mais informações sobre essa Operação Submetida e submeter novamente essa Operação Submetida para os Serviços de Detecção de Fraude no prazo de 7 dias contados da submissão original.
   3. Estorno Elegível.
      1. Notificações e Créditos. Se você receber uma notificação enviada por uma instituição financeira de um Estorno Elegível com relação a uma Operação Submetida acerca da qual tenha sido enviada uma Notificação de Recomendação Afirmativa, para ser elegível para fins de crédito (i) nenhuma taxa devida pelo Assinante nestes Termos poderá estar vencida, (ii) esses Estornos Elegíveis deverão ser submetidos em conformidade com a nossa Política de Reembolsos, disponível em www.signifyd.com/resources/manual/signifyd-guarantee/net-billing, e (iii) você deverá notificar a Signifyd com as informações detalhadas sobre esse Estorno Elegível, conforme solicitadas pela Signifyd, através da função aplicável no Serviço no prazo de 7 dias contados da data na qual você tenha recebido a notificação do Estorno Elegível aplicável (“Notificação de Estorno”).
      2. Relatórios. Você deverá prontamente reportar à Signifyd quaisquer valores recebidos, esperados ou pretendidos pelo Assinante de qualquer terceiro em relação ao Estorno Elegível, incluindo, entre outros, quaisquer pagamentos resultantes de cobertura de seguro mantida pelo Assinante ou acordos para reembolso ou proteção contra fraudes oferecidos por um agente de processamento de pagamentos (em conjunto, “Reembolsos por Terceiros”).
      3. Emissão de Créditos. Sujeito ao seu contínuo cumprimento destes Termos, se determinarmos, a nosso critério razoável, que você tem direito a um Estorno Elegível válido para determinada Operação Submetida, apesar de ter recebido uma Notificação de Recomendação Afirmativa, então iremos emitir para o Assinante um crédito, a ser deduzido das taxas devidas pelo Assinante para a Signifyd, no valor equivalente: (x) ao valor total efetivo das taxas que forem devidas pelo Assinante para o Usuário Final ou instituição financeira (se houver) em decorrência do Estorno Elegível (incluindo, sem limitação, quaisquer taxas anteriores à arbitragem diretamente resultantes de um Estorno Elegível que for discutido pela Signifyd na capacidade de Parte Contestadora); ou (y) ao Valor da Ordem, mais quaisquer taxas padrão de operação / processamento de estornos que forem cobradas pela instituição financeira aplicável, o que for menor; sendo que no caso do item (x) ou (y), deduzidos quaisquer Reembolsos por Terceiros efetivamente recebidos pelo Assinante (esse valor, um “Crédito de Estorno”). Todas as notas fiscais mensais emitidas em conformidade com a Cláusula 5 refletirão os Créditos de Estorno aplicáveis ao período objeto da nota fiscal em questão.
      4. Autorizações. Pelo presente instrumento, você autoriza a Signifyd: (i) a verificar ou validar o estorno acerca do qual você tenha enviado uma Notificação de Estorno, através da comunicação ou obtenção de dados do respectivo estabelecimento, Usuário Final, e/ou agente de processamento de pagamentos e de outra forma através do acesso aos respectivos portais do estabelecimento e outras plataformas de terceiros; e (ii) a nosso exclusivo critério, a questionar os estornos perante as instituições financeiras, e você concorda em fornecer para a Signifyd todas as informações sobre esse estorno e todas as autorizações para nossa comunicação com terceiros que se façam necessárias para que a Signifyd possa verificar, validar ou questionar o estorno em questão e ainda em razoavelmente adotar qualquer procedimento ou celebrar quaisquer documentos que se façam necessários para o questionamento dos referidos estornos.
      5. Condições. Você declara e garante para a Signifyd que: (i) as informações sobre a Operação Submetida aplicável que forem enviadas para a Signifyd, exigidas nos termos da Cláusula 2.2, são corretas e completas na respectiva Data da Notificação de Recomendação; (ii) cada Estorno Elegível acerca do qual você tenha enviado uma Notificação de Estorno foi emitido e incorrido (o que ocorrer primeiro) após a respectiva Data da Notificação de Recomendação; (iii) você adotou e adotará todas as medidas necessárias e/ou solicitadas pela instituição financeira aplicável com relação a cada Operação Submetida acerca da qual você tenha enviado uma Notificação de Estorno; e (iv) você enviou ou entregou o item adquirido pelo Usuário Final na Operação Submetida, em todos os aspectos, conforme exigido pela ordem original do Usuário Final.
      6. Renúncia. Não obstante qualquer disposição em contrário prevista nestes Termos, não teremos nenhuma obrigação de emitir um Crédito de Estorno se: (1) você não cumprir quaisquer destes Termos, incluindo as declarações e garantias previstas na sentença imediatamente anterior desta Cláusula 2.3.6; ou (2) nossa equipe designada de reivindicações não conseguir correlacionar a Notificação de Estorno à respectiva Operação Submetida. Pelo presente instrumento, as partes reconhecem e concordam que o recebimento pelo Assinante de um Estorno Elegível não se qualifica como violação a estes Termos pela Signifyd e o Crédito de Estorno, conforme previsto nesta Cláusula 2.3, constitui a única obrigação e responsabilidade da Signifyd com relação ao Estorno Elegível que o Assinante tenha recebido.
      7. Contestação. Na hipótese de o Assinante ou a Signifyd questionar com sucesso um Estorno Elegível (em cada caso, a parte litigante será a “Parte Contestadora”) com relação a uma Operação Submetida acerca da qual tenhamos emitido um Crédito de Estorno, conforme indicado na notificação de estorno anulado da instituição financeira que tenha emitido o referido Estorno Elegível (“Reversão do Estorno”), então a Parte Contestadora deverá notificar a outra parte com informações detalhadas sobre essa Reversão do Estorno e o valor total restituído ao Assinante com relação à referida Reversão do Estorno (“Reembolso do Estorno”) no prazo de 7 dias contados da data de recebimento da notificação pela Parte Contestadora. O valor devido nos termos de cada nota fiscal mensal emitida em conformidade com a Cláusula 5 sofrerá um aumento refletindo os Reembolsos do Estorno aplicáveis ao período objeto da nota fiscal.
   4. Serviços Profissionais. Podemos oferecer determinados serviços profissionais ao Assinante relacionados à implementação e atividades de desenvolvimento ou outros serviços profissionais solicitados pelo Assinante em consideração a uma taxa adicional (“Serviços Profissionais”). Se concordarmos em prestar os Serviços Profissionais para o Assinante, quaisquer Serviços Profissionais serão prestados em conformidade com o Demonstrativo dos Serviços (“SOW”) que tenha sido assinado por ambas as partes, descrevendo os referidos Serviços Profissionais e suas taxas.
   5. Declarações e Garantias.
      1. Cumprimento das Leis. A Signifyd declara e garante que irá cumprir todas as leis em geral aplicáveis à prestação do Serviço e do Conteúdo pela Signifyd, incluindo, entre outros, os regulamentos aplicáveis de proteção de dados.
      2. Vírus. A Signifyd declara e garante que envida seus esforços comercialmente razoáveis para impedir a introdução de qualquer Vírus nos sistemas de informática do Assinante através do Serviço ou do Conteúdo. Conforme utilizado no presente instrumento, “Vírus” significa vírus, malware, worms, “trojan horses” ou outro código prejudicial.
3. Registro da Conta.
   1. Veracidade das Informações. Você estará obrigado a registrar e manter uma conta na Signifyd para utilizar o Serviço. Ao efetuar o registro, você deverá prestar informações corretas e completas e prontamente atualizar essas informações. Você declara e garante que todas as informações de registro submetidas são verdadeiras e corretas e você concorda em manter essas informações corretas e atualizadas a todo o tempo. Se você prestar quaisquer informações incorretas ou incompletas ou que no entendimento da Signifyd, por qualquer razão, sejam incorretas ou incompletas, podemos suspender ou encerrar a sua conta e o seu uso do Serviço.
   2. Autorização de Uso da Conta. Somente você e seus funcionários estão autorizados a usar a sua conta e você será responsável por todas as atividades que ocorrerem através da sua conta. Você concorda que: (i) você não poderá fornecer sua identificação de usuário ou senha para qualquer terceiro; e (ii) você notificará a Signifyd imediatamente de qualquer uso não autorizado da sua conta ou de qualquer outra violação de segurança com relação ao Serviço. Você concorda que todas as decisões ou ações tomadas enquanto mantém esta conta são suas e você será o único responsável por elas. Isto inclui, mas não se limita a, todas as ações tomadas em relação ao recurso do Centro de Decisão, acesso à conta e seu uso do produto.
4. Testes do Serviço.
   1. Testes. Podemos oferecer versões ou funções “beta” ou de teste gratuito do Serviço (“Testes”). A Signifyd determinará, a seu exclusivo critério, a disponibilidade, duração (o “Período de Teste”) e as funções de cada Teste. OS TESTES SÃO DISPONIBILIZADOS NO ESTADO EM QUE SE ENCONTRAM (“AS IS”), SEM QUAISQUER GARANTIAS. NÃO OBSTANTE QUALQUER DISPOSIÇÃO EM CONTRÁRIO NESTES TERMOS, EM NENHUMA HIPÓTESE A SIGNIFYD SERÁ RESPONSÁVEL PERANTE O ASSINANTE OU QUALQUER TERCEIRO POR QUAISQUER DANOS OU PASSIVOS RELACIONADOS, DECORRENTES, OU CAUSADOS PELOS TESTES OU POR SUAS ALTERAÇÕES, SUSPENSÕES OU CANCELAMENTOS.
      1. Obrigações e Responsabilidades. Sem limitar as disposições anteriores e para evitar dúvidas, se disponibilizarmos qualquer Teste dos Serviços ao Assinante, não teremos nenhuma obrigação (incluindo qualquer obrigação de pagar quaisquer Pagamentos de Estornos) ou responsabilidade com relação a quaisquer estornos que você possa receber em relação a esse Teste dos Serviços. Se autorizarmos o Assinante a utilizar qualquer Teste, você concorda em enviar sua avaliação e em responder as perguntas da Signifyd ou outros questionamentos sobre o seu uso do Teste, conforme aplicável. A Signifyd, a seu critério, deverá determinar se continuará ou não a oferecer qualquer Teste. Findo o Período de Teste, você não terá mais acesso ao respectivo Teste e a qualquer Conteúdo relacionado, salvo se você tiver adquirido uma assinatura do Serviço aplicável de acordo com uma Ordem. A menos se de outra forma estabelecido na Ordem, qualquer candidato de produção ou versão fora do ambiente de produção do Serviço será considerado um Teste. Exceto conforme previsto nesta Cláusula 4, estes Termos irão reger o uso dos Testes pelo Assinante, como parte do Serviço.
5. Taxas.
   1. Taxas de Assinatura. Serão cobradas as taxas fixadas na Ordem aplicável. Exceto se de outra forma estabelecido na Ordem aplicável, a Signifyd irá emitir uma nota fiscal mensal para o Assinante e o Assinante deverá pagá-las no prazo de 30 dias contados da data da nota fiscal, por cartão de crédito ou transferência eletrônica. Se a Signifyd não receber o pagamento da nota fiscal neste prazo, a Signifyd poderá suspender ou encerrar o acesso do Assinante aos Serviços ou à Ordem aplicável, conforme previsto na Cláusula 6.6. Exceto se de outra forma estabelecido nestes Termos ou na Ordem aplicável, todos os pagamentos serão não reembolsáveis, isentos de quaisquer tributos, e deverão ser efetuados em reais, sendo o Assinante responsável por todos os tributos aplicáveis ou outros encargos governamentais.
   2. Alterações das Taxas. Exceto se de outra forma estabelecido na Ordem aplicável, podemos alterar as nossas taxas e, assim que aceita pelo Assinante, qualquer alteração dessa natureza será aplicada no início do mês seguinte à publicação ou outra notificação de alteração. Após o prazo inicial de assinatura, no início de cada Prazo de Assinatura, a Preço Garantido das Taxas então em vigor (conforme definição na Ordem aplicável) sofrerá um aumento anual, em conformidade com o Índice de Preço ao Consumidor – IPC.
   3. Taxas dos Serviços Profissionais. Se o SOW aplicável especificar que a Signifyd cobrará uma taxa fixa pela prestação dos Serviços Profissionais, então a Signifyd deverá cobrar do Assinante a taxa pelos Serviços Profissionais no valor estabelecido no referido SOW. Essa taxa será devida no prazo de 30 (trinta) dias contados do recebimento pelo Assinante da nota fiscal correspondente.
   4. Outras Taxas. A determinação pela Signifyd de qualquer taxa fixa assume que você prestará informações corretas e completas em resposta aos questionamentos por parte da Signifyd, e que você prestará assistência razoável para que a Signifyd possa cumprir suas obrigações nos termos do SOW aplicável. Se as características técnicas ou operacionais do Estabelecimento Assinante e as respectivas redes ou sistemas de informática forem significativamente distintos das descrições encaminhadas à Signifyd pelo Assinante ou se você não prestar assistência razoável, então a Signifyd poderá cobrar uma taxa adicional, baseada em tempo e materiais, de acordo com os preços padrão à época, pelo tempo gasto pelos recursos da Signifyd na prestação dos Serviços Profissionais que exceder as estimativas empregadas pela Signifyd para estabelecer a taxa fixa.
6. Prazo de Vigência e Rescisão.
   1. Prazo de Vigência. Estes Termos passarão a vigorar na data que você aceitar estes Termos, efetuar seu registro para o Serviço ou de uma conta ou acessar ou usar de outra forma o Site, Serviço, ou Conteúdo, o que ocorrer primeiro, e permanecerá em vigor até sua rescisão em conformidade com esta cláusula.
   2. Prazo de Assinatura. Cada Ordem terá o prazo inicial de assinatura nela estabelecido e, exceto se de outra forma previsto na Ordem aplicável, será automaticamente renovada por períodos sucessivos iguais à duração do prazo inicial de assinatura ou o prazo de assinatura anterior, o que for mais longo, salvo se uma parte enviar à outra parte notificação com, no mínimo, 30 dias de antecedência de sua intenção de não renovar a Ordem antes do encerramento do prazo de assinatura então em vigor (em conjunto, o “Prazo de Assinatura”).
   3. Rescisão por Descumprimento Relevante. Uma das partes poderá rescindir estes Termos ou uma Ordem através de notificação por escrito se a outra parte significativamente descumprir estes Termos ou a Ordem, conforme aplicável, e não sanar esse descumprimento no prazo de 30 dias contados da notificação por escrito nesse sentido.
   4. Rescisão de Pleno Direito. Qualquer parte poderá rescindir estes Termos ou qual(is)quer Ordem(ns) de pleno direito na hipótese de insolvência afetando o Assinante, nos termos da qual o Assinante: (i) não consiga pagar suas dívidas em seu vencimento; (ii) efetue qualquer cessão ou composição em benefício de seus credores; (iii) tenha nomeado ou sofra a nomeação de administrador judicial ou depositário de seu negócio, bens ou ativos; (iv) ajuíze ou for ajuizado contra o Assinante qualquer pedido nos termos das leis de falência ou insolvência de qualquer jurisdição; (v) for adjudicada sua falência ou insolvência; (vi) se qualquer parte, seus representantes, administradores, executivos, consultores, afiliadas, acionistas e funcionários forem (a) investigados em virtude de alegações de suborno e/ou corrupção, (b) condenados por crimes de suborno e/ou corrupção, ou (c) incluídos em qualquer lista de restrições ou sanções econômicas por autoridades públicas, por conta de práticas de corrupção e/ou suborno conhecidas ou suspeitas ou (vii) sofrerem qualquer outro evento análogo aos eventos descritos nos itens (i)-(v) em qualquer jurisdição.
   5. Rescisão Sem Justa Causa. Podemos rescindir estes Termos ou qualquer Ordem (salvo se de outra forma estabelecido na Ordem em questão) e recusar todos e quaisquer usos em curso ou futuros do Site, do Serviço e do Conteúdo, conforme aplicável, pelo Assinante, por qualquer causa, a qualquer momento, sem nenhuma responsabilidade perante o assinante, mediante notificação prévia e por escrito enviada ao Assinante com 30 dias de antecedência. Exceto se de outra forma estabelecido na Ordem aplicável, você poderá rescindir estes Termos, sua conta ou qualquer Ordem mediante notificação prévia e por escrito enviada com 30 dias de antecedência, entrando em contato com o serviço de atendimento ao cliente, por meio de nosso portal de suporte, community.signifyd.com/support/s; no entanto, qualquer rescisão não exonerará você de qualquer obrigação vigente ou futura de pagamento de quaisquer taxas ou outros custos devidos nestes Termos ou em qualquer Ordem.
   6. Suspensão. Se você ou seu uso do Serviço negativamente afetar ou for razoavelmente esperado que negativamente afete qualquer parte do Serviço ou nossos direitos ou participações ou qualquer terceiro, inclusive na hipótese de não observância de suas obrigações de pagamento, ou que possa resultar em violação às leis aplicáveis, de obrigações legais ou direitos legais de terceiros, então, em acréscimo aos direitos de rescisão estabelecidos nas Cláusulas 6.3, 6.4 e 6.5 e quaisquer outras medidas disponíveis à Signifyd, incluindo direito de reivindicar a remuneração prevista na Cláusula 14, reservamos o direito de suspender o Serviço ou modificar o nível do Serviço, incluindo, entre outros, suas características ou funções prestadas para o Assinante, com ou sem o envio de notificação e sem nenhuma responsabilidade perante o Assinante.
   7. Efeito da Rescisão. Com o vencimento ou rescisão de uma Ordem por qualquer causa, você imediatamente cessará o uso do Serviço e do Conteúdo aplicáveis e pagará à Signifyd todas as taxas e demais custos devidos pelos serviços que já tenham sido prestados nos termos da referida Ordem, exceção feita ao mês final desse período, e todos os direitos outorgados ao Assinante com relação ao referido Serviço serão imediatamente extintos. A nota fiscal mensal final nos termos de cada Ordem será emitida de 60 a 90 dias contados do vencimento ou rescisão da Ordem, possibilitando o recebimento e contabilização dos Créditos de Estorno na nota fiscal em questão, em conformidade com os termos da Cláusula 2.3. Com o vencimento de uma Ordem ou sua rescisão por justa causa, na medida em que sua conta reflita um crédito quando a nota fiscal final for emitida, a Signifyd irá emitir para o Assinante o pagamento do valor do crédito remanescente no prazo de 30 dias seguintes à emissão da nota fiscal final. As disposições de Estornos Elegíveis, Taxas, Titularidade, Confidencialidade, Licença e Privacidade de Dados dos Usuários, Avaliação, Isenções de Responsabilidade por Garantia, Limitação de Responsabilidade, Indenização e Citações Judiciais permanecerão em vigor após a rescisão ou vencimento destes Termos, exceto que nenhum direito de licença outorgado pela Signifyd para o Assinante de acordo com estes Termos subsistirá à rescisão.
7. Acesso e Modificações do Serviço.
   1. Acesso ao Serviço. Não forneceremos ao Assinante nenhum equipamento para acesso ao Site ou ao Serviço. Você será responsável por todas as taxas cobradas por terceiros para o acesso ao Site e ao Serviço (e.g., tarifas pelas prestadoras de serviços de Internet). Você reconhece e concorda que a Signifyd não terá nenhuma obrigação de prestar para o Assinante qualquer suporte ou manutenção acerca do Site ou do Serviço, exceto conforme de outra forma estabelecido na Ordem aplicável.
   2. Modificações do Serviço. Reservamos o direito de modificar ou interromper, em caráter temporário ou permanente, o Site e o Serviço, total ou parcialmente (incluindo, sem limitação, o acesso a qualquer Conteúdo, total ou parcialmente, e incluindo, mas não se limitando a quaisquer casos anteriores de operações submetidas ao Serviço e qualquer Conteúdo exibido ao Assinante em relação a esses casos) sem notificação. Você concorda que a Signifyd não será responsável perante o Assinante ou qualquer terceiro por qualquer modificação, suspensão ou interrupção do Serviço (incluindo, entre outros, acesso a qualquer Conteúdo, total ou parcialmente), exceto que na medida em que tenham sido pagas pelo Assinante taxas de assinatura para o acesso ou uso do Serviço, você terá direito somente à restituição proporcional representando a parcela não utilizada (até a data de rescisão) de quaisquer taxas de assinatura que tenham sido pagas antecipadamente se a Signifyd interromper permanentemente o Serviço, em sua integralidade.
8. Propriedade Intelectual.
   1. Titularidade. O Site, o Serviço, e todo o Conteúdo são protegidos pelas leis aplicáveis de propriedade intelectual. A Signifyd, seus fornecedores, licenciantes e licenciados são titulares de todos os direitos, titularidade e participações, incluindo todos os direitos de propriedade intelectual, no e sobre o Site e o Serviço, incluindo todo o Conteúdo no Site e no Serviço e disponibilizado através do Site e do Serviço, e todos e quaisquer softwares e tecnologias relacionados que forem utilizados para o fornecimento e disponibilização do Site e do Serviço.
   2. Inexistência de Cessão. Exceção feita aos direitos expressamente conferidos nestes Termos, não é conferido nenhum outro direito, expresso ou tácito, para o Assinante. Todas as marcas, logotipos e marcas de serviço exibidos no Site (“Marcas”) são de titularidade da Signifyd ou de titularidade de terceiros. Você não poderá usar as Marcas sem o consentimento prévio e por escrito da Signifyd ou sem o consentimento do terceiro que possa ser o titular das Marcas.
9. Licença e Privacidade dos Dados dos Usuários.
   1. Proteção dos Dados dos Usuários e das Informações Confidenciais. A Signifyd implementou e mantém medidas comercialmente razoáveis técnicas, administrativas e de segurança física, destinadas a impedir qualquer liberação ou acesso não autorizados aos Dados dos Usuários ou às Informações Confidenciais, em conformidade com os princípios exigidos pela legislação brasileira aplicável que dispõe sobre proteção de dados.
   2. Restrições aos Dados dos Usuários da Signifyd. A Signifyd (i) não irá identificar o Assinante para qualquer terceiro não afiliado como fonte dos Dados dos Usuários, (ii) não irá divulgar um conjunto completo de Dados dos Usuários para uma operação de comércio eletrônico para qualquer terceiro não afiliado, (iii) não irá divulgar mais do que partes desagregadas dos Dados dos Usuários que forem necessárias para o exercício dos direitos da Signifyd e para o cumprimento de suas obrigações de acordo com estes Termos e (iv) não irá efetuar o Processamento de Dados dos Usuários para fins de rastreamento de cookies, exibição de anúncios, corretagens de dados, redes de anúncios ou para envio de comunicações eletrônicas (incluindo por e-mail) em violação às leis aplicáveis; ressalvado, no entanto, que as restrições estabelecidas nos itens (i) – (iii) acima não serão aplicáveis às (a) prestadoras terceirizadas de serviços de nuvem contratadas pela Signifyd em relação ao Serviço, e (b) emissores de cartões e outros envolvidos em atividades de processamento de pagamentos para fins de avaliação do risco de fraude associado a uma transação.
   3. Políticas de Privacidade. A Política de Privacidade da Signifyd, disponível no endereço www.signifyd.com/privacy, é neste ato incorporada nestes Termos. A Política GDPR da Signifyd, disponível em www.signifyd.com/gdpr, é neste ato incorporada nestes Termos e será aplicável aos Dados dos Usuários dos Usuários Finais na Área Econômica Europeia, no Reino Unido ou na Suíça. A Política CCPA da Signifyd, disponível no endereço www.signifyd.com/ccpa, é neste ato incorporada nestes Termos e será aplicável aos Dados dos Usuários dos Usuários Finais na Califórnia. A Política LGPD da Signifyd, disponível em https://www.signifyd.com/privacy/, é neste ato incorporada nestes Termos e será aplicável aos Dados dos Usuários dos Usuários Finais no Brasil. Na medida em que a Política GDPR, Política CCPA ou Política LGPD da Signifyd conflitem com outros termos do presente instrumento, incluindo a Política de Privacidade de Signifyd, as leis aplicáveis ao Usuário Final prevalecerão.
   4. Autorização para o Processamento de Dados. Para cada Operação Submetida, você fornecerá ou disponibilizará à Signifyd, e você neste ato autoriza a Signifyd a receber ou coletar do Estabelecimento Assinante ou de outra plataforma de terceiros aplicáveis as informações sobre o respectivo Usuário Final, incluindo a operação atual ou tentativa de operação desse indivíduo no Estabelecimento Assinante e identificadores pessoais (em conjunto, “Dados dos Usuários”). Você reconhece que a prestação do Serviço pela Signifyd está condicionada ao recebimento pela Signifyd dos Dados dos Usuários corretos e precisos.
   5. Declarações e Garantias Sobre os Dados dos Usuários. Você será exclusivamente responsável pelos Dados dos Usuários e pela observância dos direitos dos Dados dos Usuários. Pelo presente instrumento, você declara e garante que os Dados dos Usuários, o seu fornecimento dos Dados dos Usuários, e o uso e divulgação pela Signifyd dos Dados dos Usuários em conformidade com estes Termos (incluindo a Política de Privacidade, a Política GDPR, a Política CCPA e a Política LGPD da Signifyd, conforme aplicável), não violam quaisquer direitos de terceiros ou quaisquer leis, regulamentos ou obrigações impostos por qualquer terceiro. Ademais, pelo presente instrumento você declara e garante que você obteve e mantém ou obterá e manterá todos os consentimentos, aprovações e renúncias necessários para possibilitar que você e todas as plataformas de terceiros nos forneçam acesso ou de outra forma nos autorizem a acessar os Dados dos Usuários e a usar e divulgar esses Dados dos Usuários de terceiros conforme contemplado nestes Termos (incluindo a Política de Privacidade, a Política GDPR, a Política CCPA e a Política LGPD da Signifyd, conforme aplicável).
   6. Exclusão dos Dados dos Usuários. Exceto conforme previsto nas leis aplicáveis, não temos nenhuma obrigação de manter back-up de quaisquer Dados dos Usuários e os Dados dos Usuários por nós armazenados serão excluídos a qualquer momento.
   7. Outorga de Direito de Processamento dos Dados dos Usuários. Sujeito às limitações das leis aplicáveis que dispõem sobre os direitos dos sujeitos dos dados, pelo presente instrumento você outorga para a Signifyd, e você declara e garante que tem direito de outorgar, para fins do exercício dos nossos direitos e cumprimento das nossas obrigações de acordo com estes Termos e para nossos próprios fins de fornecimento e melhoria dos nossos produtos e serviços (em conjunto, “Processamento”), direito irrevogável, perpétuo, sem exclusividade, gratuito e totalmente integralizado, e mundial de Processamento dos Dados dos Usuários, em todos os casos, durante e após o Prazo de Vigência.
      1. Outorga do Direito para Terceiros. Na medida em que um contrato entre a Signifyd e um dos prestadores terceirizados da Signifyd obrigue a Signifyd a outorgar direito de Processamento dos Dados dos Usuários para esse prestador terceirizado, o escopo da licença prevista na sentença anterior será considerado de forma a incluir os direitos necessários para que a Signifyd possa outorgar o referido direito ao respectivo prestador terceirizado.
   8. Suas Restrições à Submissão dos Dados dos Usuários. Você deverá assegurar que nenhum Dado dos Usuários: (i) viole ou resulte na violação pela Signifyd ou pelas afiliadas, subsidiárias ou sócios da Signifyd de qualquer lei, regulamento ou ordem de qualquer autoridade governamental aplicáveis em qualquer jurisdição; (ii) contenha ou englobe quaisquer segredos de negócio ou informações acerca das quais você tenha qualquer obrigação de confidencialidade; (iii) infrinja ou viole ou possa infringir ou violar qualquer patente, marca, segredo de negócio, direito autoral ou outro direito de propriedade intelectual de qualquer parte, ou que você de outra forma não tenha direito de disponibilizar; ou (iv) que, na opinião exclusiva da Signifyd, for questionável, impeça ou iniba qualquer pessoa física ou jurídica de usar ou usufruir o Serviço, ou possa expor a Signifyd ou os fornecedores, licenciadores ou usuários da Signifyd a danos ou responsabilidades de qualquer natureza. Você não poderá usar o Serviço para obter quaisquer informações sobre qualquer pessoa física ou jurídica em violação a qualquer obrigação ou requisito aplicável ao Assinante quanto à obtenção dessas informações, incluindo nos termos de quaisquer leis ou regulamentos aplicáveis.
   9. Suas Restrições ao Uso do Serviço e do Conteúdo. Você irá cumprir todas as leis aplicáveis ao usar o Serviço e qualquer Conteúdo, e usará o Serviço e o Conteúdo em conformidade com estes Termos (incluindo a Política de Privacidade, a Política GDPR, Política CCPA e a Política LGPD da Signifyd, conforme aplicável). Ademais, exceto conforme possa ser permitido expressamente pelas leis aplicáveis ou autorizado pela Signifyd antecipadamente e por escrito, você irá observar a Política de Uso Aceitável da Signifyd, disponível no endereço www.signifyd.com/restrictions, a qual é neste ato incorporada nestes Termos.
   10. Não Caracterização da Fair Credit Reporting Act. Você compreende e concorda que a Signifyd não é uma agência informativa sobre consumidores, conforme definição da Fair Credit Reporting Act, 15 U.S.C. §1681 e seguintes (“FCRA”) tampouco “gestora” conforme definição da Lei brasileira nº 12.414/2011 (“FCRA Brasileira”), e que o Serviço não contempla “relatórios sobre o consumidor” conforme definição na FCRA, nem vincula a Signifyd a qualquer obrigação estabelecida na FCRA Brasileira. Você compreende que quaisquer informações prestadas à Signifyd para a utilização do Serviço não foram coletadas pela Signifyd para registro de dívidas nem para fins de crédito e não pretendem indicar idoneidade de crédito de qualquer consumidor, sua situação de crédito, capacidade de crédito ou outras características listadas no Artigo 603(d) da FCRA, na FCRA Brasileiro ou no Art. 43 do Código de Defesa do Consumidor do Brasil, Lei nº 8.080/1990.
10. Avaliação. Caso você identifique para a Signifyd quaisquer potenciais erros ou melhorias no Site, no Serviço, ou em qualquer Conteúdo (incluindo, sem limitação, encaminhando qualquer avaliação sobre o perfil investigatório de qualquer pessoa no Serviço) (“Avaliação”), você neste ato outorga à Signifyd o direito irrestrito de uso de sua Avaliação, incluindo o direito de uso de sua Avaliação para a melhoria do Site e do Serviço e para a criação de outros produtos e serviços. Qualquer Avaliação que seja encaminhada para a Signifyd não será considerada confidencial nem de titularidade do Assinante. Você concorda que você não irá enviar para a Signifyd nenhuma Avaliação que você considere confidencial ou proprietária.
11. Links e Conteúdo de Terceiros. O Site e o Serviço podem conter links para páginas na internet e conteúdo de terceiros, que não são hospedados pela Signifyd (“Conteúdo de Terceiros”) como um serviço para interessados nessas informações. Nós não monitoramos, endossamos ou adotamos nem temos qualquer controle sobre qualquer Conteúdo de Terceiros. Não assumimos nenhuma responsabilidade pela atualização ou revisão de qualquer Conteúdo de Terceiros nem garantimos sua veracidade ou integralidade. Ainda, se você seguir um link ou de outra forma sair do Site ou do Serviço, estes Termos não serão mais aplicáveis. Você deverá rever os termos e políticas aplicáveis, incluindo as práticas de privacidade e de coleta de dados de qualquer prestador de Conteúdo de Terceiros para o qual você navegue a partir do Site ou do Serviço. O acesso e uso do Conteúdo de Terceiros pelo Assinante correrão por sua própria conta e risco. O Site e o Serviço poderão conter anúncios e promoções de terceiros. Suas operações comerciais ou correspondências com os anunciantes ou sua participação nas promoções dos anunciantes, e não com a Signifyd, e quaisquer termos, condições, garantias ou declarações associados a essas operações serão exclusivamente entre o Assinante e esse terceiro.
12. Isenções de Responsabilidade por Garantia.
    1. Operação Técnica. É de sua integral responsabilidade (a) estar plenamente equipado e responsabilizar-se pelos computadores e dispositivos de hardware necessários para o acesso do Conteúdo e dos Serviços, e ainda para o acesso desses computadores e dispositivos à Internet; (b) manter a segurança do ambiente de seus computadores e outros dispositivos ao acessar o Conteúdo e os Serviços com as ferramentas disponíveis, como, a título exemplificativo, antivírus e firewall, entre outros, de forma a contribuir para a prevenção de riscos eletrônicos; e (c) usar sistemas operacionais e navegadores devidamente atualizados e eficientes para uma experiência plena durante o uso do Conteúdo e dos Serviços em conformidade com as especificações fornecidas pela Signifyd.
    2. Falhas Técnicas. Você declara e está ciente do fato de que as informações e os resultados coletados através dos Serviços estão sujeitos a imprecisões inevitáveis, que, em nenhuma hipótese, serão consideradas atrasos ou inadimplemento das obrigações assumidas pela Signifyd de acordo com estes Termos, incluindo, entre outros: (a) falha da Internet, falha de energia, mau funcionamento físico ou eletrônico de quaisquer redes de telecomunicação, softwares ou hardwares; (b) impossibilidade técnica, em caráter temporário ou permanente, da análise dos Dados dos Usuários; (c) preferências de privacidade que limitem o tratamento dos Dados dos Usuários; e (d) qualquer tipo de fraude eletrônica. A Signifyd não garante nenhum lucro ou atividade econômica para os produtos e serviços promovidos pelo Assinante.
13. Limitações de Responsabilidade. A RESPONSABILIDADE TOTAL MÁXIMA DA SIGNIFYD PERANTE O ASSINANTE POR TODAS AS REIVINDICAÇÕES OU DANOS DECORRENTES OU RELACIONADOS A ESTES TERMOS OU ÀS ORDENS, OU DE OUTRA FORMA PERTINENTES AO SITE, AO SERVIÇO, OU QUALQUER CONTEÚDO, COM FUNDAMENTO EM CONTRATO OU NAS LEIS APLICÁVEIS, NÃO EXCEDERÁ O VALOR TOTAL DAS TAXAS, SE HOUVER, PAGAS PELO ASSINANTE PARA O ACESSO E USO DO SITE OU DO SERVIÇO NOS SEIS MESES ANTERIORES À REIVINDICAÇÃO APLICÁVEL. VOCÊ TAMBÉM CONCORDA QUE NOSSOS FORNECEDORES E LICENCIADORES NÃO TERÃO QUALQUER TIPO DE RESPONSABILIDADE DECORRENTE OU RELACIONADA A ESTES TERMOS, AO SITE, AO SERVIÇO, OU A QUALQUER CONTEÚDO.
14. Indenização.
    1. Indenização pelo Assinante. Você defenderá, indenizará e eximirá a Signifyd, suas subsidiárias e afiliadas, e seus respectivos conselheiros, diretores, contestadoras, funcionários, licenciadores, e fornecedores de e contra quaisquer reivindicações, processos ou demandas de terceiros (“Reivindicações”), e quaisquer custos, danos, despesas e passivos relacionados (incluindo honorários advocatícios razoáveis), decorrentes ou relacionados ao seu uso do Site, do Serviço, e de qualquer Conteúdo, quaisquer Dados dos Usuários fornecidos pelo Assinante, seu descumprimento de qualquer disposição destes Termos ou sua inobservância a qualquer lei, regulamento ou direitos de um terceiro. Reservamos o direito, às suas expensas, de assumir com exclusividade a defesa e controle de qualquer matéria da qual você esteja obrigado a nos indenizar, e você concorda em cooperar com a nossa defesa nessas reivindicações. Você concorda em não dirimir qualquer questão sem o nosso consentimento prévio e por escrito. Envidaremos nossos esforços razoáveis para notificar você de qualquer reivindicação, ação ou processo dessa natureza assim que tivermos conhecimento.
    2. Indenização pela Signifyd. A Signifyd irá defender ou dirimir, a seu exclusivo critério, quaisquer Reivindicações efetivas de terceiros contrárias ao Assinante alegando que o seu uso do Serviço ou do Conteúdo em conformidade com estes Termos infringe quaisquer direitos de propriedade intelectual de um terceiro e a Signifyd pagará qualquer quantia definitivamente sentenciada a favor desse terceiro em juízo ou que a Signifyd tenha acordado com o terceiro em relação à referida Reivindicação; ressalvado que você deverá prontamente notificar a Signifyd ao tomar conhecimento de qualquer Reivindicação dessa natureza, deverá possibilitar à Signifyd o controle exclusivo de sua defesa e deverá cooperar com a Signifyd, caso solicitado, em nossa defesa da Reivindicação. Não obstante as disposições acima, a Signifyd não terá nenhuma responsabilidade ou obrigação nos termos desta Cláusula 14 na medida em que a Reivindicação for decorrente: (i) do fornecimento pelo Assinante de Dados dos Usuários para a Signifyd; (ii) do uso do Serviço ou do Conteúdo combinado com qualquer outro software, hardware, conteúdo ou materiais; (iii) da modificação do Serviço ou do Conteúdo, exceto se pela Signifyd; ou (iv) do uso do Serviço ou do Conteúdo de maneira: (a) que não tenha sido designada ou pretendida para o Serviço ou Conteúdo, ou (b) que não esteja descrita na documentação aplicável entregue pela Signifyd.
    3. Duplo Ressarcimento. Não obstante qualquer disposição em contrário, nenhuma disposição destes Termos será interpretada de forma a indenizar ou ressarcir de outra forma quaisquer custos, danos ou outras quantias que a parte prejudicada tenha sido integralmente compensada nos termos de qualquer outra disposição destes Termos ou de acordo com qualquer outro contrato ou processo judicial ou em equidade.
15. Confidencialidade e Publicidade.
    1. Informações Confidenciais. “Informações Confidenciais” significa quaisquer informações divulgadas, direta ou indiretamente, por uma parte (“Parte Divulgadora”) à outra parte (“Parte Receptora”) de acordo com estes Termos, que forem designadas como “confidenciais” ou que sob as circunstâncias de sua divulgação ou pela natureza das próprias informações deveriam ser razoavelmente entendidas pela Parte Receptora como sendo informações confidenciais da Parte Divulgadora. As Informações Confidenciais não incluem quaisquer informações que (a) forem ou se tornem em geral do conhecimento ou disponíveis ao público, sem ato ou omissão da Parte Receptora; (b) já estavam na posse da Parte Receptora quando de sua divulgação pela Parte Divulgadora, conforme demonstrado pelos arquivos contemporâneos da Parte Receptora; (c) sejam legitimamente obtidas pela Parte Receptora de terceiro, que era titular de direito expresso para a sua divulgação; ou (d) forem desenvolvidas de modo independente pela Parte Receptora sem uso das Informações Confidenciais da Parte Divulgadora. Fica acordado entre as partes que o Serviço e o Conteúdo são neste ato considerados Informações Confidenciais da Signifyd, e que os Dados dos Usuários são Informações Confidenciais do Assinante. As disposições (mas não a existência) destes Termos são Informações Confidenciais de cada parte. Nenhuma parte poderá usar as Informações Confidenciais da outra parte para qualquer finalidade, exceto para o exercício de seus direitos e cumprimento de suas obrigações de acordo com estes Termos.
    2. Vedado Uso e Vedada a Divulgação. Nenhuma parte poderá usar as Informações Confidenciais da outra parte para qualquer finalidade, exceto para o exercício de seus direitos e cumprimento de suas obrigações de acordo com estes Termos. Você deverá limitar o acesso e divulgação das nossas Informações Confidenciais (incluindo o Serviço e o Conteúdo) aos seus próprios funcionários estritamente na medida em que precisem ter conhecimento dessas informações, desde que esses funcionários tenham assinado acordo com o Assinante com cláusulas de confidencialidade pelo menos tão restritivas quanto àquelas aqui contidas. Você deverá imediatamente notificar a Signifyd ao tomar conhecimento de qualquer descumprimento desta Cláusula 15. A Signifyd não poderá divulgar nenhuma das suas Informações Confidenciais, exceto para o exercício de seus direitos e para o cumprimento de suas obrigações de acordo com estes Termos e para os seus consultores ou potenciais investidores ou compradores, sujeito à obrigação de confidencialidade por escrito. Cada parte adotará as medidas razoáveis para proteger o sigilo e evitar a divulgação e uso não autorizados das Informações Confidenciais da outra parte. A Parte Receptora envidará seus esforços razoáveis para notificar em tempo hábil a divulgação mandatória, para facilitar o tratamento confidencial das Informações Confidenciais da Parte Divulgadora e divulgará somente parte das Informações Confidenciais que estiver legalmente obrigada a divulgar, após exercer os esforços razoáveis para assegurar que essas informações recebam tratamento confidencial.
    3. Publicidade. Se você efetuar o registro de uma conta para usar o Serviço, você concorda que a Signifyd poderá divulgar que você é um de nossos clientes e poderá incluir seu nome e logotipo em qualquer lista de clientes no Site e em outros materiais de marketing e comunicados à imprensa.
16. Alterações destes Termos.
    1. Notificação de Alterações destes Termos. Podemos alterar estes Termos a qualquer tempo. Se o conteúdo destes Termos for alterado, a Signifyd notificará o Assinante, por e-mail enviado ao último endereço de e-mail informado pelo Assinante à Signifyd. Com o recebimento da notificação de alteração destes Termos, na medida em que o Assinante tenha sido negativamente impactado por tais alterações, o Assinante poderá rescindir quaisquer Ordens ou SOWs que forem objeto destes Termos, através do envio à Signifyd de notificação por escrito de sua intenção de rescindir quaisquer Ordens ou SOWs no prazo de 30 (trinta) dias e essa rescisão passará a vigorar no primeiro dia findo esse prazo de 30 (trinta) dias.
    2. Vigência. Quaisquer alterações destes Termos passarão a vigorar trinta dias contados do envio pela Signifyd da notificação por e-mail ao Assinante. Essas alterações passarão a vigorar imediatamente para os novos usuários do nosso Site e do nosso Serviço. Os usuários do nosso Serviço são responsáveis pelo envio à Signifyd do seu endereço de e-mail atualizado. Na hipótese de o último endereço de e-mail que você tenha informado à Signifyd não ser mais válido ou por qualquer motivo não possa ser enviada a notificação descrita anteriormente, o envio pela Signifyd do e-mail dessa notificação constituirá, contudo, notificação válida das alterações descritas na notificação. Ao continuar a usar Site ou o Serviço após a notificação dessas alterações, ficará indicado seu reconhecimento dessas alterações e sua concordância em vincular-se aos termos e condições das referidas alterações.
17. Consentimento de Comunicações Eletrônicas. Ao usar o Site ou o Serviço, você concorda em receber comunicações eletrônicas da Signifyd, as quais poderão incluir notificações sobre a sua conta e informações pertinentes ou relacionadas ao Site e ao Serviço. Você concorda que quaisquer notificações, acordos, divulgações ou outras comunicações que sejam enviadas pela Signifyd eletronicamente irão satisfazer quaisquer requisitos legais de comunicação, inclusive no caso de comunicações que devam ser enviadas por escrito.
18. Disposições Gerais.
    1. Inexistência de Renúncia. Nossa omissão em uma circunstância específica não significa renúncia à nossa capacidade de agir com relação à essa circunstância ou em circunstâncias similares. Qualquer disposição destes Termos que for considerada inválida, ilegal ou inexequível será excluída destes Termos e as disposições remanescentes destes Termos permanecerão em pleno vigor e efeito.
    2. Títulos e Termos. Os títulos e cabeçalhos das cláusulas nestes Termos foram incluídos somente para fins de conveniência e não terão efeito legal ou contratual e os termos “incluindo”, “incluindo, mas não limitado a” e “incluindo sem limitação”, conforme utilizados nestes Termos, significam exemplificativamente e não representam limitação.
    3. Cessão. Você não poderá transferir ou ceder estes Termos, direta ou indiretamente, para outra pessoa, sem o nosso consentimento prévio e por escrito.
    4. Sucessão. Nenhuma disposição destes Termos, expressa ou tácita, pretende conferir quaisquer direitos, medidas, obrigações ou responsabilidades de qualquer natureza a qualquer pessoa jurídica, exceto às partes e seus respectivos sucessores e cessionários.
    5. Circunstâncias Imprevisíveis. Não seremos responsáveis por qualquer atraso ou descumprimento de nossas obrigações nestes Termos em virtude de qualquer causa que não esteja sob o nosso controle.
    6. Lei Aplicável. Estes Termos serão regidos pelas leis da República Federativa do Brasil. Qualquer controvérsia ou reivindicação decorrente ou relacionada ao Site, ao Serviço, ou a estes Termos deverá ser dirimida conforme estabelecido na Cláusula 19 abaixo.
    7. Acordo Integral. Estes Termos, em conjunto com todas as Ordens e SOWs e incluindo a Política de Uso Aceitável, e todos os anexos, apêndices e demais documentos incorporados por referência nestes Termos e/ou nas Ordens (i) constituem o acordo integral entre o Assinante e a Signifyd sobre o Site, o Serviço, e qualquer Conteúdo e (ii) substituem todos os acordos ou comunicações anteriores entre você e a Signifyd sobre a matéria objeto destes Termos, salvo se você e a Signifyd tiverem celebrado um contrato principal de assinatura, sendo que, nesse caso, o contrato principal de assinatura e não estes Termos, irá reger seu acesso e uso do Serviço aplicável, total ou parcialmente.
19. Solução de Controvérsias e Arbitragem.
    1. Disposições Gerais. No interesse de resolver as controvérsias entre você e a Signifyd da maneira mais célere e eficaz do ponto de vista do custo, fica acordado entre você e a Signifyd que as controvérsias resultantes destes Termos até o valor equivalente a 100.000 (cem mil) dólares norte-americanos deverão ser dirimidas pelos tribunais da cidade de São Paulo, Estado de São Paulo, Brasil. As controvérsias resultantes destes Termos com valor superior ao equivalente a 100.000 (cem mil) dólares norte-americanos deverão ser dirimidas por arbitragem, administrada pelo Centro de Arbitragem e Mediação da Câmara de Comércio Brasil-Canadá (“CAM-CCBC”), de acordo com o seu Regulamento, e o Tribunal Arbitral será composto por 1 (um) árbitro nomeado em conformidade com o referido Regulamento. A arbitragem utiliza um árbitro neutro, no lugar do juiz ou júri, podendo permitir instrução mais limitada do que em juízo, e objeto de revisão muito limitada judicialmente. Os árbitros poderão determinar os mesmos danos e medidas do que aqueles determinados judicialmente. Para os fins desta Cláusula 19.1, controvérsia significa todas as reivindicações resultantes ou relacionadas a qualquer aspecto destes Termos, incluindo sua intepretação ou cumprimento, com fundamento contratual, em responsabilidade civil, lei, fraude, declaração induzidora a erro ou qualquer outra teoria legal, e independentemente de a reivindicação surgir durante ou após a rescisão destes Termos.
    2. Exceções. Não obstante as disposições do parágrafo diretamente acima, fica acordado entre as partes que nenhuma disposição nestes Termos será considerada renúncia, preclusão ou outra limitação ao direito de uma das partes de: (a) ajuizar uma ação individual no juizado de pequenas causas; (b) ajuizar ação de execução através do órgão aplicável da esfera federal, estadual ou municipal se essa ação for cabível; (c) requerer antecipação de tutela em juízo; ou (d) ajuizar processo judicial para abordar reivindicação de infração de propriedade intelectual.
    3. Notificação; Citação. A parte que quiser requerer uma arbitragem deverá primeiramente notificar a outra parte da controvérsia por escrito, por meio de correio certificado ou Federal Express (assinatura obrigatória), os se não tivermos seu endereço físico em nossos arquivos, por correio eletrônico (“Notificação”).O endereço da Signifyd para Notificações é: Signifyd Inc., 99 Almaden Blvd., 4th floor, San Jose, CA 95113. A Notificação: (a) deverá descrever a natureza e o fundamento da reivindicação ou controvérsia; e (b) deverá estabelecer a medida específica pleiteada (“Demanda”). Concordamos em envidar nossos esforços em boa-fé para resolver a reivindicação diretamente, mas se não chegarmos a um acordo no prazo de 30 dias contados do recebimento da Notificação, o Assinante ou a Signifyd poderá iniciar o processo de solução de controvérsias prescrito na Cláusula 19.1. Durante a solução da controvérsia, por ação judicial ou por arbitragem, o valor de qualquer oferta de composição apresentada por você ou pela Signifyd não poderá ser divulgado até o pronunciamento da decisão definitiva. Se nossa controvérsia for definitivamente resolvida em seu favor, a Signifyd pagará para o Assinante o maior valor entre: (i) o valor sentenciado pelo juiz/árbitro, se houver; (ii) o último valor de composição oferecido por escrito pela Signifyd para a composição da controvérsia antes da sentença do juiz /árbitro; ou (iii) $1.000 (um mil dólares americanos).
    4. Inexistência de Ações Coletivas. FICA ACORDADO ENTRE O ASSINANTE E A SIGNIFYD QUE CADA PARTE PODERÁ APRESENTAR REIVINDICAÇÕES CONTRÁRIAS À OUTRA PARTE SOMENTE EM SUA CAPACIDADE OU INDIVIDUALMENTE E NÃO COMO AUTOR OU MEMBRO DE CLASSE EM QUALQUER ALEGADA AÇÃO COLETIVA OU PROCESSO POR REPRESENTAÇÃO. Ademais, salvo de se outra forma acordado entre o Assinante e a Signifyd, o juízo ou árbitro não poderá consolidar reivindicações de mais de uma pessoa e não poderá de outra forma presidir qualquer tipo de processo por representação ou coletivo.
20. Informações de Contato; Divulgações. Os Serviços são oferecidos pela Signifyd Inc. Caso você tenha qualquer dúvida ou pergunta sobre estes Termos, o Site, ou o Serviço, solicitamos que nos envie uma descrição completa por e-mail, através de nosso portal de suporte.

Termos de Serviço atuais, desde 17 de dezembro de 2024
Termos de serviço anteriores:
2 de maio de 2024 a 16 de dezembro de 2024
21 de março de 2023 a 1º de maio de 2024
13 de dezembro de 2022 a 20 de março de 2023
16 de outubro de 2020 a 12 de dezembro de 2022
14 de maio de 2020 a 9 de outubro de 2020
31 de janeiro de 2020 a 14 de maio de 2020

Brazil terms of service in Portuguese

SIGNIFYD TERMS OF SERVICE (BRAZIL)

Effective: March 21, 2023 to May 1, 2024

Welcome to our website at www.signifyd.com (the “Site”). These Terms of Service (these “Terms”) constitute a binding legal agreement between you (either an individual or an entity, “you” or “Subscriber”) and Signifyd, Inc. (“Signifyd,” “we,” or “us”) regarding your use of the Site, including your use of any version of any of our fraud and abuse prevention or screening services provided through our customer portal on the Site (collectively, the “Service”).

Please read these Terms carefully. By clicking “I Accept,” registering for an account on the Site or otherwise for the Service, or otherwise using the Site or the Service, you agree to be bound by these Terms and to use the Site and the Service in compliance with these Terms.

If you are registering for access to, or otherwise accessing or using, the Site or the Service on behalf of a company or other legal entity, you and such company or entity represent and warrant that (i) you have the right and legal authority to bind such company or entity to these Terms; (ii) such company or entity is fully aware of, understands, and agrees to be bound by these Terms (with the terms “you” and “your” as used herein referring to such company or entity), and (iii) you agree to be bound by these Terms on behalf of such company or entity.

If you do not qualify for the Service, or do not agree to these Terms, then you should not and may not register for, access, or use the Site or Service.

These Terms provide that disputes between you and Signifyd will be resolved by the court of the city of São Paulo, State of São Paulo, Brazil, or by binding arbitration. Please review Section 19 (“Dispute Resolution and Arbitration”) below for the details regarding potential disputes with Signifyd.

1. Definitions.
   1. “Affirmative Advisory Notice” shall have the meaning ascribed to it in Section 2.2.
   2. “Chargeback Reason Code Policy” means the policy available at www.signifyd.com/chargeback-coverage that sets forth eligible chargeback reason codes, as may be modified from time to time by Signifyd (as per Section 16), with any such amendment being applicable only to Submitted Transactions for which Fraud Screening Services were provided after the date of the modification.
   3. “Content” means any information (including contact information), data, audio, visual, and audiovisual works, any score or rating regarding an individual or an actual or prospective ecommerce transaction, any results or recommendations (including Affirmative Advisory Notices), or any other content made available through the Service including such content developed and provided in connection with Professional Services, but excluding User Data (defined below).
   4. “Ecommerce transaction” means orders (i) taken in a “card-not-present” environment and (ii) made with credit card-related payment methods, which consist of credit cards, PayPal, Samsung Pay, Apple Pay, Google Pay, Android Pay, Amazon Pay, pre-paid cards, debit cards, and any other methods approved in writing by Signifyd. For the avoidance of doubt, an ecommerce transaction does not include orders (i) taken in a point-of-sale terminal or in-person or (ii) made with non-credit card-related alternative payment methods, including ACH, Bitcoin, carrier billing, cash/COD, check, money orders, and wire transfer.
   5. “Eligible Chargeback” means a chargeback provided by a financial institution indicating a fraudulent transaction or “no cardholder authorization” and having one of the eligible chargeback reason codes stated in the Chargeback Reason Code Policy. For clarity, Signifyd may elect to recognize additional reason codes as Eligible Chargebacks on a case-by-case basis, in its sole discretion; chargebacks provided with any other reason codes, including those listed as ineligible chargeback reason codes in the Chargeback Reason Code Policy, are not Eligible Chargebacks.
   6. “End User” means an end user on the Subscriber Storefront.
   7. “Fraud Screening Services” means the ecommerce fraud screening services provided through the Service to help you determine whether to accept or decline an ecommerce transaction for physical goods (unless digital or other non-physical goods are otherwise permitted pursuant to the applicable Order) of an End User, as further described in Section 2.2.
   8. “Order” shall have the meaning ascribed to it in Section 2.1.
   9. “Order Amount” shall have the meaning ascribed to it in Section 2.2.
   10. “Process” shall have the meaning ascribed to it in Section 9.
   11. “Professional Services” shall have the meaning ascribed to it in Section 2.4.
   12. “Service” means Signifyd’s cloud-based service currently known as “Guaranteed Payments,” made available by Signifyd through the Site, including any plug-ins or APIs provided by Signifyd for use with the Subscriber Storefront and all related documentation provided by Signifyd.
   13. “SOW” shall have the meaning ascribed to it in Section 2.4.
   14. “Submitted Transaction” shall have the meaning ascribed to it in Section 2.2.1.
   15. “Subscriber Storefront” means, collectively, your ecommerce storefront(s) and your account(s) on any third-party ecommerce platform approved by Signifyd.
   16. “Subscription Term” shall have the meaning ascribed to it in Section 6.2.
   17. “User Data” shall have the meaning ascribed to it in Section 9.4.
2. Use of the Service.
   1. General. Subject to your ongoing compliance with these Terms (including the timely payment of all applicable fees), we grant you a non-exclusive, revocable, non-sublicensable, non-assignable and non-transferable right, during the applicable Subscription Term, to access and use the Service for which you have purchased a subscription through our website or pursuant to a mutually executed order form (each an “Order”) and the Content solely to request and receive Fraud Screening Services for your internal business purposes. For the avoidance of doubt, your right to use the Service is subject to any usage metrics and limitations set forth in the applicable Order.
   2. Fraud Screening Services.
      1. Fraud Screening Services Request. To request Fraud Screening Services from us, you must provide to us through the applicable features of the Service the requested details of an ecommerce transaction of an End User (a “Submitted Transaction”), including the End User’s order amount for which you are seeking Fraud Screening Services (the “Order Amount”) and other User Data.
      2. Notice of Acceptance. Each such request for Fraud Screening Services for a Submitted Transaction is subject to our acceptance in our sole discretion. If we accept your request for Fraud Screening Services for a given Submitted Transaction, we will provide you a notice (whether in the form of an icon, marker, or other notification on the Service or Subscriber Storefront, or otherwise) indicating whether it advises you to accept or decline such Submitted Transaction (an “Advisory Notice,” and the date on which an Advisory Notice is provided by us (the “Advisory Notice Date”).
      3. Fees. You will be required to pay fees for Fraud Screening Services if we provide an Advisory Notice to you recommending that you accept the Submitted Transaction (an “Affirmative Advisory Notice”) unless you: (a) provide to Signifyd documentation indicating that you have provided a full refund to the applicable End User in connection with the corresponding Submitted Transaction; and (b) cancel the submission of a Submitted Transaction through the applicable feature on the Service (“Cancellation Feature”) within a number of days following the applicable Advisory Notice Date equal to the lesser of (i) 30 days or (ii) the number of days allowed for returns in your return policy for the Subscriber Storefront (“Cancellation Notice”).
      4. Cancellation Notice Acceptance. Our acceptance of a Cancellation Notice is subject to our reasonable discretion, and will be subject to all guidelines, terms, and agreements applicable to the Cancellation Feature as described at the Guarantee Cancellation Policy available at www.signifyd.com/resources/faq/signifyd-console/cancel-guarantee. In the event you cancel the submission of a Submitted Transaction pursuant to the terms of our Guarantee Cancellation Policy available at www.signifyd.com/resources/faq/signifyd-console/cancel-guarantee (each, a “Transaction Cancellation”), we will charge you a $0.30 fee for each such Transaction Cancellation. If we provide you an Advisory Notice advising you to decline a Submitted Transaction and you reasonably believe that it is not a fraudulent transaction, then you can provide us additional information regarding such Submitted Transaction and re-submit such Submitted Transaction for Fraud Screening Services within 7 days of the original submission.
   3. Eligible Chargeback.
      1. Notices and Credits. If you receive notice from a financial institution of an Eligible Chargeback with respect to a Submitted Transaction for which we provided an Affirmative Advisory Notice, in order to be eligible for a credit (i) no fees owed by you under these Terms may be overdue, (ii) such Eligible Chargebacks must be submitted in accordance with our Reimbursement Policy www.signifyd.com/resources/manual/signifyd-guarantee/net-billing, and (iii) you must notify us by providing details regarding such Eligible Chargeback, as requested by us, through the applicable feature on the Service within 7 days from the date you received notice of the applicable Eligible Chargeback (“Chargeback Notice”).
      2. Reports. You shall promptly report to us any amounts received, expected to be received, or sought by you from any third party in connection with an Eligible Chargeback, including without limitation any payments resulting from insurance coverage held by you or arrangements for reimbursement or fraud protection offered by a payment processor (collectively, “Third-Party Reimbursements”).
      3. Credit Issuance. Subject to your continued compliance with these Terms, if we determine in our reasonable discretion that you have been subject to a valid Eligible Chargeback for a given Submitted Transaction despite receiving an Affirmative Advisory Notice, then we will issue you a credit against fees owed by you to us in an amount equal to the lesser of: (x) the actual total fees owed by you to an End User or financial institution (if any) as a result of the Eligible Chargeback (including, without limitation, any pre-arbitration fees directly resulting from an Eligible Chargeback that Signifyd disputes as the Representment Party); or (y) the Order Amount plus any associated standard chargeback transaction/processing fees charged by the applicable financial institution; each of (x) and (y) less any Third-Party Reimbursements actually received by Subscriber (each such amount, a “Chargeback Credit”). Each monthly invoice issued in accordance with Section 5 will reflect Chargeback Credits applicable to the period of time covered by the invoice.
      4. Authorizations. You hereby authorize us: (i) to verify or validate the chargeback for which you provide a Chargeback Notice by communicating with, or obtaining data from, the applicable merchant, End User, and/or payment processor and by otherwise accessing the applicable merchant portals and other third-party platforms; and (ii) in our sole discretion, to dispute such chargebacks before the financial institutions, and you agree to provide to us all information regarding such chargeback and all authorizations to communicate with third parties necessary to enable us to verify, validate or dispute such chargeback, as well as reasonably undertake any procedure or execute any documents that may be necessary to dispute such chargebacks.
      5. Conditions. You represent and warrant to us that: (i) the information about the applicable Submitted Transaction that you provide to us as required under Section 2.2 is accurate and complete as of the applicable Advisory Notice Date; (ii) each Eligible Chargeback for which you provide a Chargeback Notice was issued or incurred (whichever is earlier) after the applicable Advisory Notice Date; (iii) you have taken, and will take, all steps as required and/or requested by the applicable financial institution with respect to each Submitted Transaction for which you submit a Chargeback Notice; and (iv) you have sent or delivered the item purchased by the End User in the Submitted Transaction, in every respect as required by the original order of the End User.
      6. Waiver. Notwithstanding anything to the contrary set forth in these Terms, we will have no obligation to issue a Chargeback Credit if: (1) you have failed to comply with any of these Terms, including the representations and warranties set forth in the immediately preceding sentence of this Section 2.3.6; or (2) our designated claims team is unable to correlate the Chargeback Notice with the applicable Submitted Transaction. The parties hereby acknowledge and agree that your receipt of an Eligible Chargeback does not qualify as a breach of these Terms by us and the Chargeback Credit as set forth in this Section 2.3, is our sole obligation and liability with respect to an Eligible Chargeback you received.
      7. Representment. In the event you or we successfully dispute an Eligible Chargeback (in each case, the disputing party the “Representment Party”) with respect to a Submitted Transaction for which we have issued you a Chargeback Credit, as indicated by notice of a voided chargeback from the financial institution that issued such Eligible Chargeback (“Chargeback Reversal”), then the Representment Party must notify the other party by providing details regarding such Chargeback Reversal and the total amount refunded to you related to such Chargeback Reversal (“Chargeback Reimbursement”) within 7 days from the date the Representment Party received notice. We will increase the amount payable under each monthly invoice issued in accordance with Section 5 to reflect Chargeback Reimbursements applicable to the period of time covered by the invoice.
   4. Professional Services. We may offer certain professional services to you related to implementation and development activities or other professional services as requested by you for an additional fee (“Professional Services”). If we agree to provide Professional Services to you, any such Professional Services will be provided pursuant to a Statement of Work (“SOW”) that has been executed by both parties and that describes such Professional Services and the fees therefor.
   5. Representations and Warranties.
      1. Compliance with LawsSignifyd represents and warrants that it will comply with all laws generally applicable to Signifyd’s provision of the Service and the Content, including without limitation, applicable data protection regulations.
      2. Viruses.Signifyd represents and warrants that it uses commercially reasonable efforts to prevent the introduction of any Virus into Subscriber’s computer systems through the Service or Content. As used herein, “Virus” means viruses, malware, worms, “trojan horses” or other harmful code.
3. Account Registration.
   1. Information Accuracy. You must register for and maintain an account with us to use the Service. When registering, you must provide accurate and complete information and promptly update this information. You represent and warrant that all registration information you submit is truthful and accurate, and you agree to keep such information accurate and up-to-date at all times. If you provide any information that is inaccurate or incomplete, or that we have reason to believe is inaccurate or incomplete, we may suspend or terminate your account and your use of the Service.
   2. Account Authorization of Use. Only you and your employees are authorized to use your account, and you are responsible for all activities that occur through your account. You agree that: (i) you will not provide your user identification or password to any third party; and (ii) you will notify us immediately of any unauthorized use of your account or any other breach of security regarding the Service. You agree that all decisions or actions taken while holding this account are your own, and for which you shall hold sole responsibility. This is including, but not limited to, all actions taken regarding the Decision Center feature, account access and your use of the product.
4. Trials of the Service.
   1. Trials. We may offer “beta” or free trial versions or features of the Service (“Trials”). We will determine, at our sole discretion, the availability, duration (the “Trial Period”) and features of each Trial. THE TRIALS ARE PROVIDED “AS IS” WITHOUT ANY WARRANTIES. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THESE TERMS, IN NO EVENT WILL SIGNIFYD BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES OR LIABILITY RELATED TO, ARISING OUT OF, OR CAUSED BY THE TRIALS OR ANY MODIFICATION, SUSPENSION, OR TERMINATION THEREOF.
      1. Obligations and Liabilities. Without limiting the foregoing and for the avoidance of doubt, if we make any Trial of the Services available to you, we will have no obligations (including any obligations to pay any Chargeback Payments) or liability with respect to any chargebacks you may receive in connection with any such Trial of the Services. If we permit you to use any Trial, you agree to provide feedback and respond to our questions or other inquiries regarding your use of the Trial, as applicable. We, at our sole discretion, shall determine whether to continue to offer any Trial. Upon completion of a Trial Period, you will lose access to the applicable Trial and any related Content unless you have purchased a subscription to the applicable Service pursuant to an Order. Unless otherwise set forth in an Order, any production candidate or non-production version of the Service will be considered a Trial. Except as provided in this Section 4, these Terms govern your use of the Trials, as part of the Service.
5. Fees.
   1. Subscription Fees. We charge fees as set forth in the applicable Order. Except as otherwise set forth in the applicable Order, we will invoice you monthly, and you must pay invoices within 30 days of the date of the invoice by credit card or wire transfer. If we do not receive timely payment of an invoice, we may suspend or terminate your access to the Services or the applicable Order, as provided in Section 6.6. Except as otherwise set forth in these Terms or the applicable Order, all payments are non-refundable, net of any taxes and must be in Brazilian Reais, and you are responsible for all applicable taxes or other governmental charges.
   2. Fee Modifications. Except as otherwise set forth in the applicable Order, we may modify our fees and, once accepted by you, any such modification will apply beginning in the month following publication or other notice of the change. Following the initial subscription term, at the beginning of each Subscription Term, the then-current Guarantee Fee Rate (as defined in the applicable Order) shall be increased annually, in accordance with the Consumer Price Index - CPI index.
   3. Professional Services Fees. If the applicable SOW specifies that Signifyd will charge a fixed fee for the performance of Professional Services, then Signifyd shall invoice you a fee for the Professional Services in the amount set forth in such SOW. Such fee shall be payable within thirty (30) days following your receipt of the corresponding invoice.
   4. Additional Fee. Our determination of any fixed fee assumes that you have provided accurate and complete information in response to inquiries by Signifyd, and that you will provide reasonable support in order to enable Signifyd to perform its obligations under the applicable SOW. If the technical or operational characteristics of the Subscriber Storefront and related networks or computer systems materially differ from the descriptions provided to Signifyd by you or if you fail to provide reasonable assistance, then Signifyd may charge an additional fee on a time and materials basis at our then-standard rates for time spent by Signifyd resources in performing the Professional Services in excess of the estimates used by us to establish the fixed fee.
6. Term and Termination.
   1. Term. These Terms will commence on the earlier of the date on which you accept these Terms, register for the Service or an account, or otherwise access or use the Site, Service, or Content, and will continue until terminated in accordance with this section.
   2. Subscription Term. Each Order will have the initial subscription term set forth therein, and, except as otherwise set forth in the applicable Order, will automatically renew for successive periods equal to the greater of the length of the initial subscription term and the prior subscription term, unless either party provides the other party at least 30 days’ notice of its intent not to renew prior to the end of the then-current subscription term (collectively, the “Subscription Term”).
   3. Termination Due to Material Breach. Either party may terminate these Terms or an Order by written notice if the other party materially breaches these Terms or the Order, as applicable, and fails to cure such breach within 30 days of written notice thereof.
   4. Immediate Termination. Any party may terminate these Terms or any Order(s) immediately in the event of insolvency affecting you under which you: (i) are unable to pay your debts when due; (ii) make any assignment or composition for the benefit of creditors; (iii) have appointed or suffer the appointment of a receiver or trustee for your business, property or assets; (iv) file or have filed against you any petition under the bankruptcy or insolvency laws of any jurisdiction; (v) are adjudicated bankrupt or insolvent; (vi) if any of the parties, their representatives, administrators, executives, advisors, affiliates, shareholders and employees is (a) investigated due to allegations of bribery and / or corruption, (b) convicted on charges of bribery and/or corruption, or (c) included in any list of restrictions or economic sanctions on business by public authorities, on account of known or suspected corruption and or bribery practices; or (vii) suffer any other event analogous to the events described in subsections (i)-(v) in any jurisdiction.
   5. Termination Without Cause. We may terminate these Terms or any Order (unless otherwise set forth in such Order) and refuse any and all current or future use of the Site, Service and Content, as applicable, by you, for any reason at any time without any liability to you upon 30 days’ prior written notice to you. Except as otherwise set forth in the applicable Order, you may terminate these Terms, your account, or any Order upon 30 days’ prior written notice by contacting customer service via our support portal, community.signifyd.com/support/s; however, any termination thereof will not relieve you of any current or future obligation to pay any fees or other costs owed by you to us under these Terms or any Order.
   6. Suspension. If you or your use of the Service negatively affects, or is reasonably expected to negatively affect, any part of the Service or the rights or interests of us or any third party, including in the event of breach of your payment obligations, or may result in a violation of applicable law, legal obligation, or legal rights of another, then, in addition to the termination rights set forth in Sections 6.3, 6.4 e 6.5 and any other remedies available to us, including the right to claim compensation set forth in Section 14, we reserve the right to suspend the Service or change the level of the Service, including without limitation the features or functionality thereof, provided to you, with or without notice and without liability to you.
   7. Effect of Termination. Upon the expiration or termination of an Order for any reason, you will immediately cease use of the applicable Service and Content and pay us all fees and other costs owed for services already rendered under such Order, except for the final month of such period and all rights granted to you with respect to such Service will immediately terminate. The final monthly invoice under each Order, will be issued between 60 and 90 days following expiration or termination of the Order to allow for Chargeback Credits to be received and accounted for in such invoice, pursuant to the terms of Section 2.3. Upon expiration of an Order or your termination for cause, to the extent that your account reflects a credit at the time the final invoice is issued, we will issue you payment in the amount of the remaining credit within 30 days following issuance of the final invoice, The provisions of Eligible Chargebacks, Fees, Ownership, Confidentiality, and User Data License and Privacy, Feedback, Warranty Disclaimers, Limitation of Liability, Indemnity, and Legal Notices will survive any termination or expiration of these Terms, except that none of the license rights granted by us to you under these Terms survive termination.
7. Access and Modifications to the Service.
   1. Access to the Service. We do not provide you with the equipment to access the Site or the Service. You are responsible for all fees charged by third parties to access the Site and the Service (e.g., charges by Internet service providers). You acknowledge and agree that we will have no obligation to provide you with any support or maintenance in connection with the Site or Service except as otherwise set forth in the applicable Order.
   2. Modifications to the Service. We reserve the right to modify or discontinue, temporarily or permanently, all or a part of the Site and the Service (including, without limitation, access to any Content, in whole or in part, and including but not limited to any prior cases of submitted transactions on the Service and any Content displayed to you in connection with such cases) without notice. You agree that we will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Service (including, without limitation, access to any Content, in whole or in part), except that to the extent you pay subscription fees to access or use the Service, you are only entitled to a prorated refund representing the unused (as of the date of termination) portion of any subscription fees that you have paid in advance if we permanently discontinue the Service in its entirety.
8. Intellectual Property.
   1. Ownership. The Site, the Service, and all Content are protected by applicable intellectual property laws. We, our suppliers, licensors and licensees own all right, title, and interest, including all intellectual property rights, in and to the Site and the Service, including all Content on and available through the Site and the Service, and any and all underlying software and technology used to provide and make available the Site and the Service.
   2. No Assignment. Except for those rights expressly granted in these Terms, no other rights are granted, either express or implied, to you. All trademarks, logos and service marks displayed on the Site (“Trademarks”) are our property or the property of other third parties. You are not permitted to use these Trademarks without our prior written consent or the consent of such third party which may own the Trademarks.
9. User Data License and Privacy.
   1. Protection of User Data and Confidential Information. Signifyd implemented and maintains commercially reasonable technical, administrative and physical security measures designed to prevent any unauthorized release or access to User Data or Confidential Information, in accordance with the standards required by the applicable Brazilian data protection legislation.
   2. Signifyd User Data Restrictions. We will not (i) identify you to any unaffiliated third party as the source of the User Data, (ii) disclose a complete data set of User Data for an ecommerce transaction to any unaffiliated third party, (iii) disclose more than the disaggregated portions of User Data that is necessary to exercise Signifyd’s rights and perform its obligations under these Terms or (iv) Process User Data for purposes of cookie tracking, ad exchanges, data brokerages, ad networks, or sending electronic communications (including email) in violation of applicable law; provided, however, that the restrictions set forth in (i) – (iii) above shall not apply to (a) third-party cloud service providers engaged by Signifyd in connection with the Service, or (b) card issuers and others involved in payment processing activities for the purposes of assessing the associated fraud risk with a transaction.
   3. Privacy Policies. Signifyd’s Privacy Policy, available at www.signifyd.com/privacy, is hereby incorporated into these Terms. Signifyd’s GDPR Policy, available at www.signifyd.com/gdpr, is hereby incorporated into these Terms and will apply for User Data of End Users in the European Economic Area, the United Kingdom or Switzerland. Signifyd’s CCPA Policy, available at www.signifyd.com/ccpa, is hereby incorporated into these Terms and will apply for User Data of End Users in California. Signifyd’s LGPD Policy, available at https://www.signifyd.com/privacy/, is hereby incorporated into these Terms and will apply for User Data of End Users in Brazil. To the extent that Signifyd’s GDPR Policy, CCPA Policy or LGPD Policy conflict with other terms in these Terms, including Signifyd’s Privacy Policy, the laws applicable to the End User will control.
   4. Data Processing Authorization. For each Submitted Transaction, you will supply or make available to us, and you hereby authorize us to receive or collect from the Subscriber Storefront or other applicable third-party platform, information regarding the applicable End User, including such individual’s actual or attempted transactions on the Subscriber Storefront and personal identifiers (collectively, “User Data”). You acknowledge that our provision of the Service is conditioned upon our receipt of correct and accurate User Data.
   5. Representations and Warranting Regarding User Data. You are solely responsible for the User Data and to comply with User Data rights. You hereby represent and warrant that the User Data, your provision of the User Data, and our use and disclosure of the User Data in accordance with these Terms (including Signifyd’s Privacy Policy, GDPR Policy, CCPA Policy and LGPD Policy, as applicable), does not violate any third-party rights or any laws, regulations, or obligations imposed by any third party. In addition, you hereby represent and warrant that you have obtained or will obtain and maintain all necessary consents, approvals, and waivers to permit you and each third-party platform to provide us with or otherwise authorize our access to User Data and to use and disclose to third parties User Data as contemplated by these Terms (including Signifyd’s Privacy Policy, GDPR Policy, CCPA Policy and LGPD Policy, as applicable).
   6. Deletion of User Data. Except as provided by the applicable laws, we have no obligation to back up any User Data and the User Data we store may be deleted at any time.
   7. Grant of Right to Process User Data. Subject to limitations of the applicable law for data subject rights, you hereby grant to Signifyd, and you represent and warrant that you have the right to grant, for the purposes of exercising our rights and performing our obligations under these Terms and for our own purposes of providing and improving our products and services (collectively, to “Process”), an irrevocable, perpetual, nonexclusive, royalty-free and fully paid, worldwide, right to Process the User Data, in each case during and after the Term.
      1. Grant of Right to Third Parties. To the extent that an agreement between Signifyd and one of Signifyd’s third-party providers requires Signifyd to grant a right to Process User Data to such third-party provider, the scope of the license set forth in the foregoing sentence shall be deemed to include the rights necessary to enable Signifyd to grant such right to the applicable third-party provider.
   8. Your Restrictions for Submitting User Data. You shall ensure that no User Data: (i) violates, or that causes Signifyd or Signifyd’s affiliates, subsidiaries, or partners to violate, any applicable law, regulation, or order of any governmental authority in any jurisdiction; (ii) contains or embodies any trade secrets or information for which you have any obligation of confidentiality; (iii) infringes or violates, or may infringe or violate, any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party, or that you otherwise do not have the right to make available; or (iv) in Signifyd’s sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying the Service, or may expose Signifyd or Signifyd’s suppliers, licensors, or users to harm or liability of any nature. You must not use the Service to obtain any information regarding any person or entity in violation of any prohibition or requirement on you obtaining such information, including under any applicable law or regulation.
   9. Your Restrictions for Using the Service and Content. You will comply with all applicable laws when using the Service and any Content, and will use the Service and Content in accordance with this Terms (including Signifyd’s Privacy Policy, GDPR Policy, CCPA Policy and LGPD Policy, as applicable). Further, except as may be permitted expressly by applicable law or authorized by us in advance in writing, you will comply with Signifyd’s Acceptable Use Policy, available at www.signifyd.com/restrictions, which is hereby incorporated into these Terms.
   10. No Fair Credit Reporting Act Characteristics. You understand and agree that Signifyd is not a consumer reporting agency as defined by the Fair Credit Reporting Act, 15 U.S.C. §1681 et seq. (“FCRA”) nor a “gestora” as defined by Brazilian Law No. 12,414/2011 (“Brazilian FCRA”), and that the Service does not include “consumer reports” as defined in the FCRA, neither binds Signifyd to any obligation set forth in the Brazilian FCRA. You understand that any information provided to Signifyd in order to use the Service has not been collected by Signifyd for debts recording, nor credit purposes and is not intended to be indicative of any consumer’s credit worthiness, credit standing, credit capacity, or other characteristics listed in Section 603(d) of the FCRA, in the Brazilian FCRA or in Art. 43 of the Brazilian Consumer Protection Code, Law No. 8.080/1990.
10. Feedback. If you provide us with identification of any potential errors in, or improvements to, the Site, the Service, or any Content (including, without limitation, providing any feedback with respect to any person’s investigatory profile on the Service) (“Feedback”), you hereby grant us the unrestricted right to use your Feedback, including the right to use your Feedback to improve the Site and the Service and create other products and services. We will treat any Feedback you provide to us as non-confidential and non-proprietary. You agree that you will not submit to us any Feedback that you consider to be confidential or proprietary.
11. Links and Third-Party Content. The Site and the Service may contain links to webpages and content of third parties that are not hosted by us (“Third-Party Content”) as a service to those interested in this information. We do not monitor, endorse, or adopt, or have any control over, any Third-Party Content. We undertake no responsibility to update or review any Third-Party Content and can make no guarantee as to its accuracy or completeness. Additionally, if you follow a link or otherwise navigate away from the Site or the Service, please be aware that these Terms will no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any Third-Party Content provider to which you navigate from the Site or the Service. You access and use Third-Party Content at your own risk. The Site and the Service may contain advertisements and promotions from third parties. Your business dealings or correspondence with, or participation in promotions of, advertisers other than us, and any terms, conditions, warranties, or representations associated with such dealings, are solely between you and such third party.
12. Warranty Disclaimers.
    1. Technical Operation. It is your entire responsibility (a) to get fully equipped and be liable for the computers and hardware devices necessary for accessing the Content and the Services, as well as for the access of such computers and devices to the Internet; (b) to keep the security of the environment of its computers and other devices accessing the Content and the Services with available tools, such as antivirus and firewall, among others, so as to contribute with the prevention of electronic risks; and (c) use operational systems and browsers duly updated and efficient for a full experience in the use of the Content and the Services in accordance with the specifications provided by Signifyd.
    2. Technical Failures. You declare and are aware of the fact that the information and the results gathered through the Services are subject to inevitable imprecisions, which, in no case, will be considered delay or default in the obligations assumed by Signifyd under these Terms, including but not limited to: (a) Internet failure, power failure, physical or electronic malfunctioning of any telecommunication networks, software or hardware; (b) technical impossibility, either temporary or permanent, for analyzing User Data; (c) privacy preferences that limit the treatment of User Data; and (d) any kind of electronic fraud. Signifyd does not guarantee any economic profit or business result over the products and services promoted by you.
13. Limitations of Liability. THE MAXIMUM TOTAL LIABILITY OF SIGNIFYD TO YOU FOR ALL CLAIMS OR DAMAGES ARISING UNDER OR RELATING TO THESE TERMS OR THE ORDERS, OR OTHERWISE RELATING TO THE SITE, THE SERVICE, OR ANY CONTENT, WHETHER IN CONTRACT OR IN THE APPLICABLE LAW, WILL NOT EXCEED THE TOTAL FEES, IF ANY, PAID BY YOU FOR YOUR ACCESS TO AND USE OF THE SITE OR THE SERVICE IN THE SIX MONTHS PRECEDING THE APPLICABLE CLAIM. YOU FURTHER AGREE THAT OUR SUPPLIERS AND LICENSORS WILL HAVE NO LIABILITY OF ANY KIND ARISING FROM OR RELATING TO THESE TERMS, THE SITE, THE SERVICE, OR ANY CONTENT.
14. Indemnity.
    1. Indemnification by Subscriber. You will defend, indemnify and hold harmless Signifyd, its subsidiaries and affiliates, and their respective directors, officers, agents, employees, licensors, and suppliers from and against any third-party claims, proceedings or demands (“Claims”), and any related costs, damages, expenses, and liabilities (including reasonable attorneys’ fees), arising out of or related to your use of the Site, the Service, and any Content, any User Data you provide, your violation of any provision of these Terms, or your violation of any law, regulation, or rights of a third party. We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims. You agree not to settle any matter without our prior written consent. We will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.
    2. Indemnification by Signifyd. Signifyd will defend or settle, at its sole option, any actual third-party Claims brought against you alleging that your use of the Service or Content in accordance with these Terms infringes any intellectual property rights of a third party, and Signifyd will pay any amount finally awarded to such third party by a court, or agreed upon by Signifyd and the third party, in connection with such Claim; provided that you promptly notify us upon becoming aware of any such Claim, provide us with sole control over the defense thereof, and cooperate with us, upon request, in our defense of the Claim. Notwithstanding the foregoing, Signifyd shall have no liability or obligations under this Section 14 to the extent the Claim arises from: (i) your provision of User Data to Signifyd; (ii) the use of the Service or Content in combination with any other software, hardware, content or materials; (iii) the modification of the Service or Content other than by Signifyd; or (iv) the use of the Service or Content in a manner: (a) for which the Service or Content was not designed or intended, or (b) not described in the applicable documentation provided by Signifyd.
    3. Double Recovery. Notwithstanding anything to the contrary, no provision of these Terms shall be construed to provide an indemnity or other recovery for any costs, damages, or other amounts for which the damaged party has been fully compensated under any other provision of these Terms or under any other agreement or action at law or equity.
15. Confidentiality and Publicity.
    1. Confidential Information. “Confidential Information” means any information disclosed directly or indirectly by one party (“Disclosing Party”) to the other party (“Receiving Party”) pursuant to these Terms that is either designated as “confidential” or under the circumstances of disclosure or by the nature of the information itself should be reasonably understood by the Receiving Party to be the confidential information of the Disclosing Party. Confidential Information does not include any information which (a) is or becomes generally known and available to the public through no act or omission of the Receiving Party; (b) was already in the Receiving Party’s possession at the time of disclosure by the Disclosing Party, as shown by the Receiving Party’s contemporaneous records; (c) is lawfully obtained by the Receiving Party from a third party who has the express right to make such disclosure; or (d) is independently developed by the Receiving Party without use of the Disclosing Party’s Confidential Information. The parties agree that the Service and Content are hereby deemed to be the Confidential Information of Signifyd, and the User Data is your Confidential Information. The terms (but not the existence) of these Terms are each party’s Confidential Information. Neither party shall use the Confidential Information of the other party for any purpose except to exercise its rights and perform its obligations under these Terms.
    2. Non-Use and Non-Disclosure. Neither party shall use the Confidential Information of the other party for any purpose except to exercise its rights and perform its obligations under these Terms. You shall limit access to and disclosure of our Confidential Information (including the Service and Content) to its own employees strictly with a “need-to-know,” provided that such employees have executed an agreement with you with confidentiality provisions at least as restrictive as those contained herein. You shall immediately notify us upon learning of any breach of this Section 15. We shall not disclose any of your Confidential Information, except to exercise our rights and perform our obligations under these Terms, and to our advisors or prospective investors or purchasers subject to a written obligation of confidentiality. Each party will take reasonable measures to protect the secrecy of, and avoid unauthorized disclosure and use of, the Confidential Information of the other party. A Receiving Party will use reasonable efforts to provide timely notice of compelled disclosure to facilitate confidential treatment of Disclosing Party’s Confidential Information, and will furnish only that portion of Confidential Information that it is legally required to disclose, after exercising reasonable efforts to obtain assurance that such information will receive confidential treatment.
    3. Publicity. If you register for an account to use the Service, you agree that we may disclose that you are a customer of ours, and may include your name and logo in any lists of customers on the Site and in other marketing collateral and press releases.
16. Changes to these Terms.
    1. Notice of Change to these Terms. We may make changes to these Terms from time to time. If we make any material changes, we will notify you by sending you an email to the last email address you provided to us. Upon receiving notice of a change to these Terms, to the extent that Subscriber is negatively impacted by such changes, Subscriber may terminate any Orders or SOWs that are subject to these Terms by providing Signifyd with written notice of its intent to terminate prior to the end of the thirty (30) day period and such termination shall be effective on the first day following the thirty (30) day period.
    2. Effectiveness. Any changes to these Terms will be effective thirty days following our dispatch of an email notice to you. These changes will be effective immediately for new users of our Site and our Service. Users of our Service are responsible for providing us with their most current email address. In the event that the last email address that you have provided us is not valid, or for any reason is not capable of delivering to you the notice described above, our dispatch of the email containing such notice will nonetheless constitute effective notice of the changes described in the notice. Continued use of the Site or the Service following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.
17. Consent to Electronic Communications. By using the Site or the Service, you consent to receiving electronic communications from us. These communications may include notices about your account and information concerning or related to the Site and the Service. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including that such communications be in writing.
18. Miscellaneous.
    1. No Waiver. Our failure to act in a particular circumstance does not waive our ability to act with respect to that circumstance or similar circumstances. Any provision of these Terms that is found to be invalid, unlawful, or unenforceable will be severed from these Terms, and the remaining provisions of these Terms will continue to be in full force and effect.
    2. Titles and Terms. The section headings and titles in these Terms are for convenience only and have no legal or contractual effect and the terms “including,” “including but not limited to,” and “including without limitation” as used in these Terms mean by way of example and not of limitation.
    3. Assignment. You will not transfer or assign these Terms, directly or indirectly, to another person without our prior written consent.
    4. Succession. Nothing express or implied in these Terms is intended to confer upon any entity other than the parties and their respective successors and assigns any rights, remedies, obligations, or liabilities whatsoever.
    5. Unforeseeable Circumstances. We will not be liable for any delay or non-performance of our obligations under these Terms due to any cause beyond our control.
    6. Governing Law. These Terms are governed by the laws of the Federative Republic of Brazil. Any controversy or claim arising out of or relating to the Site, the Service, or these Terms must be settled as provided in Section 19 below.
    7. Entire Agreement. These Terms, together with all Orders and SOWs and including the Acceptable Use Policy, all exhibits, schedules and other documents incorporated by reference into these Terms and/or the Orders (i) constitute the entire agreement between you and Signifyd concerning the Site, the Service, and any Content and (ii) supersede all prior agreements or communications between you and Signifyd regarding the subject matter of these Terms, unless you and Signifyd have entered into a master subscription agreement, in which case the master subscription agreement, and not these Terms, will govern your access to and use of the applicable Service or portion thereof.
19. Dispute Resolution and Arbitration.
    1. Generally. In the interest of resolving disputes between you and Signifyd in the most expedient and cost-effective manner, you and Signifyd agree that the disputes arising in connection with these Terms up to the equivalent of 100,000 U.S. dollars shall be resolved in the courts by the city of São Paulo, State of São Paulo, Brazil. The disputes arising in connection with these Terms in an equivalent amount higher than 100,000 U.S. dollars shall be settled by arbitration, administered by the Center of Arbitration and Mediation of the Chamber of Commerce Brazil-Canada (“CAM-CCBC”), under its Rules and the Arbitral Tribunal shall consist of one (1) arbitrator appointed in accordance with the said Rules. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. For the purposes of this Section 19.1, dispute means all claims arising out of or relating to any aspect of these Terms, including its interpretation of performance, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of these Terms.
    2. Exceptions. Despite the provisions of the paragraph directly above, we both agree that nothing in these Terms will be deemed to waive, preclude, or otherwise limit the right of either of us to: (a) bring an individual action in small claims court; (b) pursue an enforcement action through the applicable federal, state, or local agency if that action is available; (c) seek injunctive relief in a court of law; or (d) to file suit in a court of law to address an intellectual property infringement claim.
    3. Notice; Process. A party who intends to seek arbitration must first send a written notice of the dispute to the other, by certified mail or Federal Express (signature required), or if we do not have a physical address on file for you, by electronic mail (“Notice”). Signifyd’s address for Notice is: Signifyd Inc., 99 Almaden Blvd., 4th floor, San Jose, CA 95113. The Notice must: (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought (“Demand”). We agree to use good faith efforts to resolve the claim directly, but if we do not reach an agreement to do so within 30 days after the Notice is received, you or Signifyd may commence the dispute resolution proceeding ascribed in Section 19.1. During the dispute resolution, whether by lawsuit or by arbitration, the amount of any settlement offer made by you or Signifyd must not be disclosed until after a final decision is pronounced. If our dispute is finally resolved in your favor, Signifyd will pay you the highest of the following: (i) the amount awarded by the judge/arbitrator, if any; (ii) the last written settlement amount offered by Signifyd in settlement of the dispute prior to the judge/arbitrator’s award; or (iii) $1,000.
    4. No Class Actions. YOU AND SIGNIFYD AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Signifyd agree otherwise, the lawsuit or arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding.
20. Contact Information; Disclosures. The Services are offered by Signifyd, Inc. If you have any questions or concerns about these Terms, the Site, or the Service, please send us a thorough description by email via our support portal.

Current Terms of Service, since December 17, 2024
Previous Terms of Service:
May 2, 2024 to December 16, 2024
March 21, 2023 to May 1, 2024
December 13, 2022 to March 20, 2023
October 16, 2020 to December 12, 2022
May 14, 2020 to October 9, 2020
January 31, 2020 to May 14, 2020

Mexico terms of service in English

TÉRMINOS DE SERVICIO DE SIGNIFYD

Efectivo: del 21 de marzo de 2023 al 1 de mayo de 2024

Les damos la bienvenida a nuestro sitio web en www.signifyd.com (en lo sucesivo, el "Sitio"). Estos Términos de Servicio (en lo sucesivo, los "Términos") constituyen un acuerdo legal vinculante entre usted (ya sea una persona física o moral, en lo sucesivo "usted" o la "Parte Suscriptora") y Signifyd, Inc., una sociedad de Delaware (en lo sucesivo, "Signifyd" o "nosotros") respecto a su uso del Sitio, incluido el uso de cualquier versión de cualquiera de nuestros servicios de prevención de fraude y abuso o detección que se proporcionan mediante nuestro portal de clientes en el Sitio (en lo sucesivo y de manera colectiva, el "Servicio").

Lea detenidamente estos Términos. Al hacer clic en "Acepto", al registrarse para crear una cuenta en el Sitio o para el Servicio o al utilizar el Sitio o el Servicio, acepta estar legalmente obligado por estos Términos y utilizar el Sitio y el Servicio en virtud de estos Términos. Si usted se registra para acceder al Sitio o al Servicio o accede o lo usa de algún otro modo en representación de una empresa o alguna otra entidad jurídica, usted y dicha empresa o entidad declaran y garantizan que (i) usted tiene los derechos y la autoridad legal para obligar a dicha empresa o entidad a estos Términos; (ii) dicha empresa o entidad está plenamente consciente, de acuerdo y acepta estar obligada por estos Términos (los términos "usted" y "su" aquí mencionados se refieren a dicha empresa o entidad), y (iii) usted acepta estar obligado por estos Términos en representación de dicha empresa o entidad. Si no cumple con los requisitos para recibir el Servicio o no acepta estos Términos, no deberá registrarse, acceder o utilizar el Sitio o el Servicio.

Estos Términos estipulan que todas las controversias que surjan entre usted y Signifyd se resolverán mediante ARBITRAJE OBLIGATORIO. USTED ACEPTA RENUNCIAR A SU DERECHO DE ACUDIR AL TRIBUNAL para hacer valer o defender sus derechos en virtud de este contrato, a excepción de los asuntos que puedan llevarse a un tribunal de demandas de menor cuantía. Sus derechos los determinará un ÁRBITRO NEUTRAL y NO un juez o jurado y sus reclamaciones no podrán presentarse como una demanda colectiva. Consulte la Sección 20 ("Resolución de Controversias y Arbitraje") a continuación para revisar los detalles sobre su acuerdo para arbitrar cualquier controversia con Signifyd.

1. Definiciones.
   1. El término "Notificación de Asesoramiento Positivo" tendrá el significado asignado en la Sección 2.2.
   2. El término "Política de Códigos de Razones de Contracargos" se refiere a la política disponible en community.signifyd.com/support/s/article/gfp-chargeback-coverage que establece los códigos disponibles para razones de contracargoselegibles, que Signifyd podrá modificar de manera ocasional. Tales modificaciones solo aplicarán a las Transacciones Realizadas en las que se brindaron Servicios de Evaluación de Fraudes posteriores a la fecha de la modificación.
   3. El término "Contenido" se refiere a toda la información (incluyendo información de contacto), datos, audio, obras visuales y audiovisuales, cualquier calificación o puntuación relacionada con una persona física o una transacción real o posible en el comercio electrónico, cualesquiera resultados o recomendaciones (incluyendo Notificaciones de Asesoramiento Positivo) o cualquier otro contenido puesto a disposición a través del Servicio, incluyendo dicho contenido desarrollado y brindado en relación con los Servicios Profesionales, pero excluyendo los Datos del Usuario (como se define más adelante).
   4. El término "transacciones de comercio electrónico" se refiere a las órdenes (i) realizadas en un ambiente "sin tarjeta presente" y (ii) realizadas con métodos de pago con tarjetas, que consisten en tarjetas de crédito, PayPal, Samsung Pay, Apple Pay, Google Pay, Android Pay, Amazon Pay, tarjetas de prepago, tarjetas de débito, y cualquier otro método aprobado por escrito por Signifyd. Para no dar lugar a dudas, una transacción de comercio electrónico no incluye órdenes (i) realizadas en una terminal punto de venta o en persona o (ii) realizadas con métodos de pago alternativos con tarjetas que no son de crédito, incluyendo ACH, Bitcoin, cargo a servicio de telefonía, efectivo o pago contra entrega, cheque, giros bancarios y transferencia electrónica, a menos de que se indique lo contrario en un contrato con Signifyd.
   5. El término "Contracargo Elegible" se refiere a un contracargo por parte de una institución financiera que indica una transacción fraudulenta o "sin autorización del titular de la tarjeta" y que tiene uno de los códigos de razones de contracargos elegibles indicados en la Política de Códigos de Razones de Contracargos. Para mayor claridad, Signifyd podrá elegir reconocer códigos de razones adicionales como Contracargos Elegibles según sea el caso y a su entera discreción. Los contracargos que cuenten con otro código de razón, incluidos aquellos listados como códigos de razones de contracargos no admisibles en la Política de Códigos de Razones de Contracargos, no son considerados Contracargos Elegibles.
   6. El término "Usuario Final" se refiere al usuario final en la Interfaz de la Parte Suscriptora.
   7. El término "Servicios de Evaluación de Fraudes" se refiere a los servicios de evaluación de fraudes de comercio electrónico brindados a través del Servicio que le ayudan a determinar si debe aceptar o rechazar una transacción de comercio electrónico por bienes físicos (a menos de que sean bienes digitales u otros no físicos conforme a lo permitido en la Orden correspondiente) de un Usuario Final, tal como se describe en la Sección 2.2.
   8. El término "Orden" tendrá el significado asignado en la Sección 2.1.
   9. El término "Monto de la Orden" tendrá el significado asignado en la Sección 2.2.
   10. El término "Proceso" tendrá el significado asignado en la Sección 9.
   11. El término "Servicios Profesionales" tendrá el significado asignado en la Sección 2.4.
   12. El término "Servicio" se refiere al servicio en la nube de Signifyd que actualmente se conoce como "Pagos Garantizados" que Signifyd puso a disposición mediante el Sitio, incluido cualquier plug-in o API que Signifyd proporcione para su uso con la Interfaz de la Parte Suscriptora y toda la documentación relacionada que brinde Signifyd.
   13. El término "SOW" tendrá el significado asignado en la Sección 2.4.
   14. El término "Transacción Realizada" tendrá el significado asignado en la Sección 2.2.
   15. El término "Interfaz de la Parte Suscriptora" se refiere, de manera colectiva, a su interfaz o interfaces de comercio electrónico y a su(s) cuenta(s) en cualquier plataforma de comercio electrónico de terceros aprobada por Signifyd.
   16. El término "Plazo de Suscripción" tendrá el significado asignado en la Sección 6.2.
   17. El término "Datos del Usuario" tendrá el significado asignado en la Sección 9.2.
2. Uso del Servicio
   1. General. Sujeto a su cumplimiento continuo de estos Términos (incluido el pago puntual de todas las tarifas aplicables), le otorgamos un derecho no exclusivo, revocable, sublicenciable, no cedible y no transferible durante el Plazo de Suscripción aplicable para acceder y utilizar el Servicio para el que compró una suscripción en nuestro sitio web o de acuerdo con un formulario de orden ejecutado mutuamente (en lo sucesivo, cada uno de ellos, la "Orden") y el Contenido solo para solicitar y recibir Servicios de Detección de Fraude para sus fines empresariales internos. Para no dar lugar a dudas, su derecho para usar el Servicio está sujeto a cualesquiera índices y limitaciones de uso expuestas en la Orden correspondiente.
   2. Servicios de Evaluación de Fraudes. Para solicitarnos los Servicios de Evaluación de Fraudes, debe proporcionarnos mediante las funciones aplicables del Servicio los detalles solicitados de una transacción de comercio electrónico de un Usuario Final (en lo sucesivo, una "Transacción Realizada"), incluido el monto de la orden para la que está buscando los Servicios de Evaluación de Fraudes (en lo sucesivo, el "Monto de la Orden") y otros Datos del Usuario. Cada solicitud de los Servicios de Evaluación de Fraudes para una Transacción Realizada está sujeta a nuestra aprobación y entera discreción. Si aceptamos su solicitud para los Servicios de Evaluación de Fraudes por una determinada Transacción Realizada, le proporcionaremos una notificación (ya sea en forma de un ícono, marcador u otra notificación en el Servicio o la Interfaz de la Parte Suscriptora o de alguna otra forma) en la que se indique si se le aconseja aceptar o rechazar dicha Transacción Realizada (en lo sucesivo, una "Notificación de Asesoramiento") y la fecha en la que le proporcionamos una Notificación de Asesoramiento (en lo sucesivo, la "Fecha de la Notificación de Asesoramiento). Se le solicitará que pague tarifas por los Servicios de Evaluación de Fraudes si le proporcionamos una Notificación de Asesoramiento recomendándole que acepte la Transacción Realizada (en lo sucesivo, una "Notificación de Asesoramiento Positivo") a menos que (a) le proporcione a Signifyd la documentación en la que se indique que usted reembolsó por completo al Usuario Final correspondiente en relación con la Transacción Realizada correspondiente y (b) cancele el envío de una Transacción Realizada mediante la opción correspondiente del Servicio (en lo sucesivo, la "Función de Cancelación") dentro de un número de días después de la Fecha de Notificación de Asesoramiento igual al menor de (i) treinta (30) días o (ii) el número de días permitidos para devoluciones en su política de devolución para la Interfaz de la Parte Suscriptora (en lo sucesivo, la "Notificación de Cancelación"). Nuestra aprobación de una Notificación de Cancelación está sujeta a nuestra razonable discreción y a los lineamientos, términos y acuerdos correspondientes a la Opción de Cancelación descrita en la Política de Cancelación de Garantías disponible en www.signifyd.com/resources/faq/signifyd-console/cancel-guarantee. En caso de que usted cancele el envío de una Transacción Realizada en virtud de los términos de nuestra Política de Cancelación de Garantías disponible en www.signifyd.com/resources/faq/signifyd-console/cancel-guarantee (en lo sucesivo, cada una se denominará "Cancelación de Transacción"), le cobraremos una tarifa de USD 0.30 (treinta centavos de dólar estadounidense) por cada Cancelación de Transacción. Si le enviamos una Notificación de Asesoramiento en la que le recomendamos rechazar la Transacción Realizada y usted cree que no es una transacción fraudulenta, puede proporcionarnos información adicional sobre dicha Transacción Realizada y reenviar la Transacción Realizada para los servicios de Evaluación de Fraudes dentro de los primeros siete (7) días del envío original.
   3. Contracargo Elegible.
      1. Notificaciones y Créditos. Si recibe una notificación de una institución financiera por un Contracargo Elegible respecto a una Transacción Realizada para la que enviamos una Notificación de Asesoramiento Positivo para que pueda ser elegible para un crédito (i) no puede haber ningún atraso en las tarifas en virtud de estos Términos; (ii) dichos Contracargos Elegibles se deben enviar de conformidad con nuestra Política de Reembolso community.signifyd.com/support/s/article/net-billing; y (iii) debe notificarnos y darnos los detalles sobre dicho Contracargo Elegible, tal y como le solicitamos, mediante la opción correspondiente en el Servicio dentro de los primeros siete (7) días después de recibir la notificación del Contracargos Elegible aplicable (en lo sucesivo, la "Notificación de Contracargo "). Deberá informarnos de inmediato sobre cualquier monto recibido, que espera recibir o que usted le haya solicitado a algún tercero en relación con un Contracargo Elegible incluyendo, de manera enunciativa más no limitativa, cualquier pago que resulte de una cobertura de seguro de la que sea titular o de acuerdos de reembolso o protección de fraude que ofrezca un procesador de pago (en lo sucesivo y de manera conjunta, los "Reembolsos de Terceros"). Sujeto al cumplimiento constante de estos Términos, si determinamos, a nuestra razonable discreción, que usted fue objeto de un Contracargo Elegible válido por una Transacción realizada sin importar que haya recibido una Notificación de Asesoramiento Positivo, le expediremos un crédito por las tarifas que nos debe por un monto igual al menor de los siguientes: (x) las tarifas totales que usted le debe a un Usuario Final o institución financiera (si la hay) como resultado de un Contracargo Elegible (incluyendo, de manera enunciativa mas no limitativa, cualquier tarifa prearbitral que resulte directamente de un Contracargo Elegible que Signifyd reclame como la Parte Representante) o (y) el Monto de la Orden más cualquier tarifa de transacción/procesamiento de contracargos estándar asociada cobrada por la entidad financiera correspondiente: cada una de (x) e (y) menos cualquier Reembolso de Terceros que recibió la Parte Suscriptora (cada uno de esos montos, en lo sucesivo se denominarán como un "Crédito de Contracargo"). Cada factura mensual emitida de conformidad con la Sección 5 reflejará Créditos de Contracargos aplicables para el periodo cubierto en la factura.
      2. Autorizaciones. Usted nos autoriza en este acto: (i) a verificar o validar el contracargo por el cual usted proporciona una Notificación de Contracargo por medio de un comunicado o la obtención de datos del comercio correspondiente, el Usuario Final y/o el procesador de pagos y mediante el acceso de otro modo al portal del comercio correspondiente y a otras plataformas de terceros y, (ii) a nuestra exclusiva discreción, a disputar dichos contracargos. Asimismo, usted acepta brindarnos toda la información respecto a dicho contracargo y todas las autorizaciones para comunicarnos con los terceros necesarios para poder verificar, validar o disputar dicho contracargo.
      3. Condiciones. Usted nos declara y garantiza que (i) la información sobre la Transacción Realizada correspondiente que nos proporciona como se solicita en la Sección 2.2 es fiel y completa a partir de la Fecha de Notificación de Asesoramiento aplicable, según determinemos de manera razonable; (ii) cada Contracargo Elegible para la que usted proporcione una Notificación de Contracargo fue emitida o incurrida (lo que pase antes) después de la Fecha de Notificación de Asesoramiento correspondiente; (iii) usted tomó y tomará todas las medidas solicitadas por la institución financiera correspondiente con respecto a cada Transacción Realizada para la cual usted emitió una Notificación de Contracargo; y (iv) usted envió o entregó el artículo que compró el Usuario Final en la Transacción Realizada en todos los aspectos requeridos en la orden original del Usuario Final. Sin perjuicio de lo que se establece en estos Términos, no estamos obligados a emitir un Crédito de Contracargo si: (i) usted incumplió con algo de lo establecido en estos Términos, incluidas las declaraciones y garantías establecidas en la oración inmediatamente anterior a esta Sección 2.3.3 como lo determinemos de manera razonable o (2) el equipo de reclamaciones que designamos es incapaz de correlacionar la Notificación de Contracargo con la Transacción Realizada correspondiente. Las partes acuerdan y reconocen en este acto que su recibo de Contracargo Elegible no califica como violación de estos Términos por nuestra parte y que el Crédito de Contracargo establecido en esta Sección 2.3 es nuestra única obligación y responsabilidad con respecto a un Contracargo Elegible que haya recibido.
      4. Declaración. A menos de que se acuerde lo contrario por escrito, Signifyd representará a la Parte Suscriptora en el proceso de representación para las reclamaciones por contracargos con relación a una Transacción Realizada para la que le hayamos expedido un Crédito de Contracargo como se indica en la notificación de un contracargo inválido por parte de la institución financiera que emitió dicho Contracargo Elegible (en lo sucesivo, "Anulación de Contracargo"). Si la Parte Suscriptora se representa a sí misma y tiene éxito en la investigación de recuperación de contracargos, deberá informar a Signifyd dentro de los primeros diez (10) días hábiles después de dicha recuperación. Ya sea que esté representado por la Parte Suscriptora o Signifyd, el mismo monto deberá regresarse o acreditarse a Signifyd al final del mes en curso como un neto contra las reclamaciones acreditables para los Contracargos Elegibles.
   4. Servicios Profesionales. Podemos ofrecerle ciertos servicios profesionales relacionados con las actividades de implementación y desarrollo u otros servicios profesionales que usted solicite por una tarifa adicional (en lo sucesivo, los "Servicios Profesionales"). Si acordamos proporcionarle Servicios Profesionales, cualquiera de ellos se le proporcionará en virtud de la Declaración de Servicios (en lo sucesivo, "SOW") que se celebró por ambas partes y que describe dichos Servicios Profesionales y las tarifas de estos.
   5. Declaraciones y Garantías.
      1. Cumplimiento con las Leyes. Signifyd declara y garantiza que cumplirá con todas las leyes generalmente aplicables a la prestación del Servicio y el Contenido por parte de Signifyd incluyendo, de manera enunciativa mas no limitativa, las leyes aplicables de privacidad, seguridad de los datos y notificación de violación de datos.
      2. Virus. Signifyd declara y garantiza que emplea esfuerzos razonablemente comerciales para prevenir la introducción de cualquier Virus en los sistemas computacionales de la Parte Suscriptora a través del Servicio o Contenido. De acuerdo con el uso en este documento, el término "Virus" se refiere a un programa malicioso, gusanos, "troyanos" u otros códigos dañinos.
3. Registro de Cuenta. Debe registrarse para mantener una cuenta con nosotros para utilizar el Servicio. Cuando se registre, debe proporcionar información correcta y completa y actualizarla de inmediato. Usted declara y garantiza que toda la información registrada es fiel y correcta y acepta mantener dicha información correcta y actualizada en todo momento. Si proporciona información incorrecta o incompleta, o si tenemos motivos para creer que está incorrecta o incompleta, podremos suspender o eliminar su cuenta y su uso del Servicio. Solo usted y sus empleados están autorizados para utilizar su cuenta y usted es el responsable de todas las actividades que se realicen a través de esta. Usted acepta que: (i) no le proporcionará su identificación o contraseña a ningún tercero y (ii) nos notificará inmediatamente de cualquier uso no autorizado de su cuenta o de cualquier violación de seguridad respecto al Servicio. Usted acepta que todas las decisiones o acciones que se tomen mientras sea el titular de la cuenta son suyas y usted será el único responsable de estas. Esto incluye, de manera enunciativa mas no limitativa, todas las acciones que se tomen respecto a la función del Centro de Decisiones, el acceso a la cuenta y el uso que le dé al producto.
4. Pruebas del Servicio. Podremos ofrecer funciones o versiones "beta" o de prueba gratis del Servicio (en lo sucesivo, las "Pruebas"). Determinaremos, a nuestra entera discreción, la disponibilidad, duración (en lo sucesivo, el "Periodo de Prueba") y las funciones de cada Prueba. Cuando dichas versiones de prueba gratis estén disponibles, le informaremos de los términos aplicables para dicha versión de prueba, en específico la duración del periodo de prueba. LAS PRUEBAS SE PROPORCIONAN "TAL CUAL" SIN NINGUNA GARANTÍA. A PESAR DE CUALQUIER DISPOSICIÓN CONTRARIA EN ESTOS TÉRMINOS, EN NINGUNA CIRCUNSTANCIA SIGNIFYD SERÁ RESPONSABLE ANTE USTED O CUALQUIER TERCERO POR CUALQUIER DAÑO O RESPONSABILIDAD RELACIONADA CON, DERIVADA DE O CAUSADA POR LAS PRUEBAS O CUALQUIER MODIFICACIÓN, SUSPENSIÓN O FINALIZACIÓN DE LAS MISMAS. Sin perjuicio de lo anterior y para no dar lugar a dudas, si ponemos a su disposición cualquier Prueba de los Servicios, no nos obligaremos (incluyendo cualquier obligación de pagar cualquier Pago de Contracargo) ni seremos responsables de cualquier contracargo que pueda recibir relacionado con dicha Prueba de los Servicios. Si le permitimos usar alguna Prueba, usted acepta proporcionarnos retroalimentación y responder nuestras preguntas sobre el uso de esta, según corresponda, y a someterse a cualquier otro término aplicable que se ponga a su disposición. Nosotros, a nuestra entera discreción, determinaremos si continuaremos ofreciendo Pruebas al final de cualquier otra Prueba. Al finalizar un Periodo de Prueba, ya no tendrá acceso a la Prueba correspondiente ni a ningún Contenido relacionado a menos de que haya comprado la suscripción a ese Servicio correspondiente de acuerdo con una Orden. A menos que se establezca lo contrario en la Orden, cualquier versión candidata a producción o que no sea de los servicios se considerará una Prueba. Salvo lo establecido en esta Sección 4, los presentes Términos regirán su uso de las Pruebas como parte del Servicios.
5. Tarifas.
   1. Tarifas de Suscripción. Cobramos las tarifas como se establece en la Orden correspondiente. A menos que se indique lo contrario en la Orden correspondiente, le enviaremos su factura cada mes y deberá pagar las facturas dentro de treinta (30) días después de la fecha de la facturación a través de un cheque, tarjeta de crédito, transferencia CCA o transferencia bancaria. En caso de no recibir el pago oportuno de una factura, podremos suspender o terminar su acceso a los Servicios o la Orden correspondiente. A menos que se indique lo contrario en los presentes Términos o la Orden correspondiente, ningún pago será reembolsable y todos deberán hacerse en dólares estadounidenses (USD). Además, usted será responsable de todos los impuestos aplicables (que no sean impuestos basados en nuestro ingreso) u otros cargos gubernamentales. A menos que se indique lo contrario en la Orden correspondiente, podremos modificar nuestras tarifas y cualquier modificación aplicará al inicio del mes siguiente a la publicación u otra notificación del cambio. Después del plazo inicial de suscripción, al inicio de cada Plazo de Suscripción, la Tarifa de Garantía vigente en ese momento (tal y como se define en la Orden correspondiente) aumentará en un tres por ciento (3%).
   2. Tarifas de Servicios Profesionales. Si la SOW correspondiente especifica que Signifyd cobrará una tarifa fija por la realización de Servicios Profesionales, Signifyd le facturará una tarifa por los Servicios Profesionales por la cantidad prevista en dicha SOW. La tarifa mencionada será pagadera en los siguientes treinta (30) días posteriores a la recepción de su factura correspondiente. Nuestra definición de cualquier tarifa fija asume que usted ha proporcionado información correcta y completa en respuesta a consultas realizadas por Signifyd y que proporcionará el apoyo razonable para permitir a Signifyd cumplir con sus obligaciones bajo la SOW correspondiente. En caso de que las características técnicas u operacionales de la Interfaz de la Parte Suscriptora y sus redes relacionadas o sistemas computacionales difieran de manera significativa de las descripciones proporcionadas a Signifyd, o en caso de que no proporcione el apoyo razonable, Signifyd podrá cobrar una tarifa adicional por concepto de tiempo y materiales en nuestras tarifas estándar —en ese momento— por el tiempo extra que Signifyd haya invertido en la realización de los Servicios Profesionales al uso estimado por nosotros para establecer la tarifa fija.
6. Plazo y Finalización.
   1. Plazo. Los presentes Términos tendrán efecto a partir de la fecha en que acepte los mismos, se registre para el Servicio o cree una cuenta, o acceda o utilice el Sitio, Servicio o Contenido y continuarán vigentes hasta que sean finalizados de acuerdo con estos Términos.
   2. Plazo de Suscripción. Cada Orden tendrá el plazo inicial de suscripción previsto en cada Orden y, a menos que se manifieste lo contrario en la Orden correspondiente, se renovará automáticamente por periodos sucesivos iguales al de mayor duración del plazo inicial de suscripción y el plazo previo de suscripción, a menos que cualquiera de las partes le proporcione a la otra una notificación con al menos treinta (30) días de anticipación sobre su intención de no renovar antes de que finalice el plazo de suscripción en curso (en lo sucesivo y en lo colectivo, el "Plazo de Suscripción").
   3. Finalización. Cualquier parte podrá finalizar estos Términos o una Orden a través de una notificación por escrito si la otra parte viola significativamente dichos Términos o la Orden, según corresponda, y si no subsana dicha violación dentro de los treinta (30) días siguientes a la notificación por escrito. Podremos finalizar los presentes Términos o cualquier Orden u Órdenes de manera inmediata en caso de una insolvencia que le afecte si usted: (i) es incapaz de pagar sus deudas cuando sean pagaderas; (ii) cede o estructura en beneficio de los acreedores; (iii) tiene designados o permite la designación de una parte receptora o fideicomisario para su negocio, propiedad o activos; (iv) presenta o ha presentado una petición de acuerdo con las leyes de bancarrota o insolvencia de cualquier jurisdicción; (v) se declara en bancarrota o insolvente; o (vi) sufre cualquier otro evento análogo a los descritos en los incisos (i) a (v) en cualquier jurisdicción. Podremos finalizar los presentes Términos o cualquier Orden (a menos que se establezca lo contrario en dicha Orden) y rechazar cualquier uso actual o futuro del Sitio, Servicio y Contenido, según sea el caso, por su parte, por cualquier razón, en cualquier momento y sin ninguna responsabilidad con usted con notificación previa de treinta (30) días. A menos que se indique lo contrario en la Orden correspondiente, usted podrá finalizar los presentes Términos, su cuenta, o cualquier Orden con una notificación previa por escrito de treinta (30) días. Esto lo podrá realizar contactando a servicio al cliente a través de nuestro portal de ayuda community.signifyd.com/support/s. Sin embargo, cualquier finalización de lo antes mencionado no le eximirá de ninguna obligación actual o futura del pago de cualquier tarifa u otros costos pagaderos en virtud de los presentes Términos o cualquier Orden
   4. Suspensión. Si usted o su uso del Servicio afecta de manera negativa o se prevé de manera razonable que afecte de manera negativa cualquier parte del Servicio o nuestros derechos o intereses o de cualquier tercero (incluyendo el caso de incumplimiento a sus obligaciones de pago) o que pueda resultar en una violación a la ley aplicable, obligación legal o derechos legales de algún otro, nos reservamos el derecho, además de los derechos de finalización previstos en la Sección 6.3 y cualquier otro recurso disponible para nosotros, a suspender el Servicio o cambiar el nivel del Servicio (incluyendo, de manera enunciativa mas no limitativa, los ajustes o funcionalidad del mismo que le hayan sido proporcionados, ya sea con o sin notificación inmediata y sin ninguna responsabilidad con usted).
   5. Efecto de Finalización. Tras la expiración o finalización de una Orden, por cualquier razón, usted dejará de utilizar inmediatamente el Servicio y Contenido correspondiente y nos pagará todas las tarifas y otros costos pagaderos por los servicios ya prestados en el marco de dicha Orden, a excepción del último mes de dicho periodo y todos los derechos otorgados con respecto a dicho Servicio finalizarán de manera inmediata. La última factura mensual de cada Orden se emitirá entre los sesenta (60) y noventa (90) días posteriores a la expiración o finalización de la Orden para permitir que se reciban y contabilicen los Créditos de Contracargos en dicha factura, en virtud de los términos de la Sección 2.3. Tras la expiración de una Orden o su finalización por una razón justificada, en la medida en que su cuenta refleje un crédito en el momento en que se emita la última factura, le emitiremos su pago por el monto del crédito restante en los siguientes treinta (30) días posteriores a la emisión de la última factura. Las disposiciones de los Contracargos Elegibles, Tarifas, Titularidad, Confidencialidad y la Licencia de Datos del Usuario, así como la Privacidad, Retroalimentación, Avisos de Garantía, Limitación de Responsabilidad, Compensación y las Notificaciones Legales seguirán vigentes después de cualquier finalización o expiración de los presentes Términos, a menos que ninguno de los derechos de licencia otorgados por nosotros a usted en virtud de los presentes Términos sigan vigentes después de la finalización.
7. Acceso al Servicio. Modificaciones al Servicio. No le proporcionaremos el equipo para acceder al Sitio o al Servicio. Usted es responsable de todas las tarifas cobradas por terceros para acceder al Sitio y al Servicio (por ejemplo, cargos por proveedores de servicios de Internet). Usted reconoce y acuerda que no tendremos la obligación de proporcionarle ninguna asistencia o mantenimiento en la conexión al Sitio o al Servicio, a menos que se establezca lo contrario en la Orden correspondiente. Nos reservamos el derecho de modificar o descontinuar, de manera temporal o permanente, todo o parte del Sitio o Servicio (incluyendo, de manera enunciativa mas no limitativa, el acceso a cualquier Contenido—por completo o en parte— y cualquier caso previo de transacciones realizadas en el Servicio y cualquier Contenido que le haya sido mostrado en conexión con dichos casos). Usted acuerda que no seremos responsables frente a usted ni ningún tercero de cualquier modificación, suspensión o descontinuación del Servicio (incluyendo, de manera enunciativa mas no limitativa, el acceso a cualquier Contenido por completo o en parte), salvo que, en la medida en que pague las tarifas de suscripción para acceder o usar el Servicio, solo usted tendrá derecho a un reembolso prorrateado que represente la parte no utilizada (desde la fecha de finalización) de cualquier tarifa de suscripción que haya pagado por adelantado si descontinuamos el Servicio por completo.
8. Titularidad. El Sitio, el Servicio y todo el Contenido están protegidos por las leyes de propiedad intelectual correspondientes, incluyendo la ley de propiedad intelectual de Estados Unidos y los tratados internacionales. Nosotros y nuestros proveedores y licenciantes tienen todo el derecho, titularidad e interés (incluyendo todos los derechos de propiedad intelectual) en y del Sitio y Servicio, incluyendo todo el Contenido del Sitio y Servicio y todo aquel disponible en los mismos; así como todo el software subyacente y la tecnología utilizada para proporcionar y poner a disponibilidad el Sitio y el Servicio. Salvo por los derechos otorgados de manera expresa en los presentes Términos, ningún otro derecho le es otorgado, ya sea de manera expresa o implícita. Todas las marcas, logotipos y marcas de servicio que se muestran en el Sitio (en lo sucesivo, las "Marcas") son de nuestra propiedad o propiedad de otros terceros. No tiene permitido usar estas Marcas sin nuestro consentimiento previo por escrito o el consentimiento del tercero que pueda ser dueño de las Marcas.
9. Licencia de Datos del Usuario y Privacidad.
   1. Restricciones de los Datos del Usuario de Signifyd. No (i) lo identificaremos ante ningún tercero no afiliado como la fuente de los Datos del Usuario; (ii) revelaremos un conjunto completo de los Datos de Usuario para una transacción de comercio electrónico a ningún tercero no afiliado; (iii) revelaremos más que las partes desagregadas de los Datos del Usuario que sean necesarias para ejercer los derechos de Signifyd y cumplir con sus obligaciones en virtud del presente Contrato; ni (iv) Procesaremos los Datos del Usuario con fines de seguimiento de cookies, intercambios de anuncios, corretaje de datos, redes de anuncios o envío de comunicaciones electrónicas (incluido el correo electrónico) en violación de la legislación aplicable; siempre y cuando las restricciones establecidas en los incisos (i) - (iii) anteriores no se apliquen a (a) los proveedores de servicios en la nube de terceros contratados por Signifyd en relación con el Servicio, o (b) emisores de tarjetas y otros involucrados en actividades de procesamiento de pagos con el fin de evaluar el riesgo de fraude asociado con una transacción.
   2. Licencia de Datos del Usuario. La Política de Privacidad de Signifyd, disponible en www.signifyd.com/privacy, se adjunta a los presentes Términos. La Política GDPR de Signifyd, disponible en www.signifyd.com/gdpr, se adjunta a los presentes Términos y aplicará a los Datos del Usuario de los Usuarios Finales en el Espacio Económico Europeo, el Reino Unido o Suiza. La Política CCPA de Signifyd, disponible en www.signifyd.com/ccpa, se adjunta a los presentes Términos y será aplicable para los Datos del Cliente y los Usuarios Finales en California. En la medida en que la Política GDPR de Signifyd o la Política CCPA sea contraria a otros de estos Términos (incluyendo la Política de Privacidad de Signifyd), la Política GDPR de Signifyd o la Política CCPA regirá, según sea el caso. Para cada Transacción Realizada, usted proporcionará o pondrá a nuestra disposición, y nos autoriza en este acto a que recibamos o recopilemos de la Interfaz de la Parte Suscriptora o de otra plataforma de terceros aplicable, información relacionada con el Usuario Final, incluyendo las transacciones reales o que dicho individuo intentó realizar en la Interfaz de la Parte Suscriptora (en lo sucesivo y en lo colectivo, los "Datos del Usuario"). Usted reconoce que nuestra disposición del Servicio está condicionada a la recepción de los Datos del Usuario correctos y fieles. Solo usted será responsable de los Datos del Usuario. Usted declara y garantiza en este acto que los Datos del Usuario, su disposición de los Datos del Usuario y nuestro uso y divulgación de los Datos del Usuario de acuerdo con los presentes Términos (incluyendo la Política de Privacidad de Signifyd, la Política GDPR y la Política CCPA, según corresponda) no viola ningún derecho de algún tercero ni ninguna ley, regulación u obligación impuesta por cualquier tercero. Además, usted declara y garantiza en este acto que obtuvo u obtendrá y mantendrá todos los consentimientos, aprobaciones y renuncias necesarias para que se le permita a usted y a cada plataforma de terceros proporcionarnos o autorizarnos acceso a los Datos del Usuario y para su uso y divulgación a Datos del Usuario de terceros, tal y como se contempla en los presentes Términos (incluyendo, la Política de Privacidad de Signifyd, la Política GDPR y la Política CCPA, según corresponda). No tenemos obligación de respaldar los Datos del Usuario, y los Datos del Usuario que almacenamos podrán borrarse en cualquier momento. Usted otorga en este acto a Signifyd y declara y garantiza que tiene el derecho de proporcionar —para efectos de ejercer nuestros derechos y cumplir con nuestras obligaciones en virtud de los presentes Términos y proporcionar y mejorar nuestros productos y servicios (en lo sucesivo, para "Procesar")— una licencia no transferible, irrevocable, perpetua, no exclusiva, libre de regalías, completamente pagada y global para los Datos del Usuarios, en cada caso durante y después del Plazo. En la medida en que un contrato entre Signifyd y uno de los proveedores externos de Signifyd requiera que Signifyd otorgue una licencia para los Datos del Usuario a tal proveedor externo, se considerará que el alcance de la licencia prevista en la oración anterior incluye los derechos necesarios para permitirle a Signifyd otorgar tal licencia al proveedor externo aplicable.
   3. Sus Restricciones para Enviar Datos del Usuario. Usted se asegurará de que ninguno de los Datos del Usuario: (i) viole o haga que Signifyd, sus afiliados, subsidiarias o socios violen alguna ley, reglamento u orden de cualquier autoridad gubernamental aplicable en cualquier jurisdicción; (ii) contenga o incorpore algún secreto o información comercial sobre la que tenga alguna obligación de confidencialidad; (iii) infrinja o viole o pueda infringir o violar cualquier patente, marca, secreto comercial, derecho de autor o cualquier derecho propiedad intelectual de cualquiera de las partes o de que usted de alguna otra manera tenga el derecho de sobre las anteriores; (iv) a juicio de Signifyd, sea objetable, restrinja o impida a cualquier persona o entidad el uso o disfrute del Servicio, o pueda exponer a Signifyd, a los proveedores, a licenciantes o a los usuarios de Signifyd a daños o responsabilidades de cualquier naturaleza. Usted no deberá usar el Servicio para obtener ningún tipo de información con respecto a cualquier persona o entidad si con esto viola cualquier prohibición sobre la obtención de tal información, incluso de conformidad con cualquier ley o reglamento aplicable.
   4. Sus restricciones con respecto al Uso del Servicio y su Contenido. Usted cumplirá todas las leyes aplicables al momento de usar el Servicio y cualquier Contenido, y usará el Servicio y su Contenido de conformidad con la documentación aplicable. Asimismo, a menos que la ley aplicable lo permita de manera expresa o que nosotros lo autoricemos previamente por escrito, usted cumplirá con la Política de Uso Aceptable de Signifyd que se encuentra disponible en www.signifyd.com/restrictions y se adjunta a los presentes Términos.
   5. Características de la Ley de Información Crediticia Imparcial. Usted entiende y acuerda que Signifyd no es una agencia de información al consumidor según la definición del Artículo 15 del Código de Estados Unidos; §1681 et seq. de la Ley de Información Crediticia Imparcial (en lo sucesivo, la "FCRA") y que el Servicio no incluye "informes del consumidor" como se define en la FCRA. Usted entiende que Signifyd no recolectó ninguna información proporcionada con el fin de usar el Servicio para efectos de crédito, y esta no pretende ser indicativo de la solvencia, capacidad crediticia, reputación crediticia u otras características enumeradas en la sección 603(d) de la FCRA.
10. Retroalimentación. Si usted identifica errores en o mejoras potenciales para el Sitio, el Servicio o cualquiera de su Contenido (incluyendo de manera enunciativa, mas no limitativa, proporcionando cualquier comentario con respecto al perfil de investigación de cualquier persona en el Servicio), (en lo sucesivo, "Retroalimentación"), usted en este acto nos otorga el derecho sin restricciones de usar su Retroalimentación para mejorar el Sitio y el Servicio y para crear otros productos y servicios. Nosotros trataremos cualquier Retroalimentación que nos proporcione como no confidencial y sin derechos de propiedad. Usted acuerda que no nos proporcionará ninguna Retroalimentación que considere confidencial o de su propiedad.
11. Enlaces y Contenido de Terceros. El Sitio y el Servicio pueden contener enlaces a páginas web y a contenido de terceros que no administramos nosotros (en lo sucesivo, "Contenido de Terceros") como un servicio para aquellas personas interesadas en la presente información. Nosotros no supervisamos, aprobamos, adoptamos, ni tenemos ningún control sobre ningún Contenido de Terceros. Nosotros no somos responsables de actualizar o revisar ningún Contenido de Terceros y no garantizamos su exactitud o integridad. Asimismo, si usted sigue o de cualquier otra forma navega fuera del Sitio o del Servicio, esté consciente de que se encontrará fuera del alcance de los presentes términos. Usted deberá de revisar los términos y políticas aplicables, incluyendo las prácticas de privacidad y recopilación de datos de cualquier proveedor externo de Contenido de Terceros al que navegue desde el Sitio o el Servicio. Usted accede y usa el Contenido de Terceros bajo su propio riesgo. El Sitio y el Servicio pueden contener anuncios y promociones de terceros. Sus relaciones comerciales o correspondencia con o en promoción de anunciantes externos a nosotros solamente le conciernen a usted y al tercero, así como todos los términos, condiciones, garantías o representaciones asociados con dicho tercero.
12. Exención de Responsabilidad sobre la Garantía. EL USO DE ESTE SITIO Y DEL SERVICIO ES BAJO SU PROPIO RIESGO, INCLUYENDO DE MANERA ENUNCIATIVA MAS NO LIMITATIVA, EL USO DE CUALQUIER CONTENIDO. ESTE SITIO, EL SERVICIO Y TODO EL CONTENIDO SE PROPORCIONARÁN "TAL CUAL" Y SEGÚN SU DISPONIBILIDAD. NUESTROS PROVEEDORES, LICENCIANTES Y NOSOTROS RENUNCIAMOS DE MANERA EXPRESA A TODAS LAS GARANTÍAS DE CUALQUIER TIPO RELACIONADAS CON EL SITIO, SERVICIO Y CONTENIDO, YA SEA DE MANERA EXPRESA O IMPLÍCITA, INCLUYENDO DE MANERA ENUNCIATIVA MAS NO LIMITATIVA, LAS GARANTÍAS IMPLÍCITAS DE COMERCIABILIDAD, APTITUD PARA UN PROPÓSITO EN PARTICULAR, TÍTULO, GOCE PACÍFICO Y VERACIDAD, ASÍ COMO GARANTÍAS IMPLÍCITAS QUE SURJAN DE UNA NEGOCIACIÓN O DEL TRANSCURSO DE LA EJECUCIÓN. SIGNIFYD, SUS PROVEEDORES Y SUS LICENCIANTES NO GARANTIZAN EL USO U OPERACIÓN DEL SITIO, EL SERVICIO NI SU ACCESO A CUALQUIER CONTENIDO SIN INTERRUPCIONES. NUESTROS PROVEEDORES, LICENCIANTES NI NOSOTROS GARANTIZAMOS QUE EL SITIO, EL SERVICIO Y EL CONTENIDO SATISFARÁ SUS REQUISITOS O EXPECTATIVAS; QUE LOS RESULTADOS, DATOS, INFORMACIÓN O CONTENIDO OBTENIDO O DERIVADO DEL USO DEL SITIO, EL SERVICIO O EL CONTENIDO SEA PUNTUAL, PRECISO, COMPLETO, LIBRE DE ERRORES NI SEGURO; NI QUE SE RECTIFICARÁN LOS ERRORES EN EL SITIO, EL SERVICIO, LOS RESULTADOS, LOS DATOS, LA INFORMACIÓN O EL CONTENIDO OBTENIDO O DERIVADO DEL USO DEL SITIO, EL SERVICIO O EL CONTENIDO. NUESTROS PROVEEDORES, LICENCIANTES NI NOSOTROS SEREMOS RESPONSABLES DE RETRASOS, INTERRUPCIONES, FALLAS EN EL SERVICIO NI DE OTROS PROBLEMAS INHERENTES AL USO DEL INTERNET, DE COMUNICACIONES ELECTRÓNICAS O DE OTROS SISTEMAS FUERA DE NUESTRO CONTROL RAZONABLE. NINGUNA ASESORÍA O INFORMACIÓN, YA SEA ORAL O POR ESCRITO, QUE USTED OBTENGA DEL SITIO, EL SERVICIO O CUALQUIER CONTENIDO CREARÁ NINGUNA GARANTÍA CON RESPECTO AL SITIO, EL SERVICIO O CUALQUIER CONTENIDO QUE NO SE ESTABLEZCA EXPRESAMENTE EN LOS PRESENTES TÉRMINOS. ALGUNAS JURISDICCIONES PODRÁN PROHIBIR LA EXTENSIÓN DE RESPONSABILIDAD SOBRE LAS GARANTÍAS, Y USTED PODRÁ TENER OTROS DERECHOS QUE VARÍEN DEPENDIENDO DE LA JURISDICCIÓN. SI LA LEY APLICABLE REQUIERE ALGUNA GARANTÍA CON RESPECTO AL SITIO, EL SERVICIO O CUALQUIER CONTENIDO, LA DURACIÓN Y ALCANCE DE DICHA GARANTÍA SERÁN LOS MÍNIMOS POSIBLES DE CONFORMIDAD CON LA LEY APLICABLE.
13. Limitaciones de Responsabilidad. NI SIGNIFYD, SUS PROVEEDORES, NI SUS LICENCIANTES SERÁN RESPONSABLES DE NINGÚN DAÑO INDIRECTO, INCIDENTAL, ESPECIAL, CONSECUENTE O EJEMPLAR, INCLUYENDO DE MANERA ENUNCIATIVA MAS NO LIMITATIVA, DAÑOS POR PÉRDIDA DE INFORMACIÓN COMERCIAL, BENEFICIOS, FONDO DE COMERCIO, USO, DATOS U OTRAS PÉRDIDAS INTANGIBLES (INCLUSO SI SIGNIFYD, CUALQUIER PROVEEDOR O LICENCIANTE FUE ASESORADO CON RESPECTO A LA POSIBILIDAD DE DICHOS DAÑOS) QUE SE DERIVEN DE ESTOS TÉRMINOS, DE CUALQUIER PEDIDO, DE SU ACCESO O USO, O DE SU INCAPACIDAD PARA ACCEDER O UTILIZAR EL SITIO, EL SERVICIO O CUALQUIER CONTENIDO. ALGUNAS JURISDICCIONES NO PERMITEN EXCLUIR O LIMITAR LA RESPONSABILIDAD POR DAÑOS CONSECUENTES O INCIDENTALES. POR ENDE, LAS LIMITACIONES ANTES MENCIONADAS PODRÁN NO APLICAR PARA USTED. LA MÁXIMA RESPONSABILIDAD DE SIGNIFYD POR TODAS LAS RECLAMACIONES O DAÑOS DERIVADOS DE CONFORMIDAD CON ESTOS TÉRMINOS U ÓRDENES, O QUE ESTÉN RELACIONADOS DE OTRA MANERA CON EL SITIO, SERVICIO U OTRO CONTENIDO, YA SEA POR UN CONTRATO, UN AGRAVIO U OTRO MOTIVO NO SUPERARÁ EL TOTAL DE LOS GASTOS PAGADOS POR USTED PARA EL ACCESO Y USO DEL SITIO O SERVICIO EN LOS SEIS (6) MESES ANTERIORES A LA RECLAMACIÓN APLICABLE. SI UN TRIBUNAL DECLARA QUE LA MÁXIMA RESPONSABILIDAD BAJO LA SENTENCIA PREVIA NO ES EJECUTABLE, LA MÁXIMA RESPONSABILIDAD DE SIGNIFYD POR TODAS LAS RECLAMACIONES O DAÑOS DERIVADOS DE CONFORMIDAD CON ESTOS TÉRMINOS U ÓRDENES O QUE ESTÉN RELACIONADOS DE OTRA MANERA CON ESTE SITIO, SERVICIO U OTRO CONTENIDO, YA SEA POR UN CONTRATO, UN AGRAVIO U OTRO MOTIVO NO EXCEDERÁ USD 50 (CINCUENTA DÓLARES ESTADOUNIDENSES). USTED ACUERDA MÁS ADELANTE QUE NUESTROS PROVEEDORES Y LICENCIANTES NO TENDRÁN NINGUNA RESPONSABILIDAD QUE SURJA DE O QUE ESTÉ RELACIONADA CON ESTOS TÉRMINOS, EL SITIO, EL SERVICIO O CUALQUIER CONTENIDO. TODAS LAS DISPOSICIONES DE ESTOS TÉRMINOS QUE OTORGUEN UN LÍMITE DE RESPONSABILIDAD, RENUNCIA DE GARANTÍAS O EXCLUSIÓN DE DAÑOS DEBEN ASIGNAR LOS RIESGOS BAJO ESTOS TÉRMINOS ENTRE LAS PARTES. ESTA ASIGNACIÓN ES UN ELEMENTO ESENCIAL PARA LA NEGOCIACIÓN ENTRE LAS PARTES. TODAS ESTAS DISPOSICIONES SON DIVISIBLES E INDEPENDIENTES DE LAS DEMÁS DISPOSICIONES EN ESTOS TÉRMINOS. LAS LIMITACIONES DE ESTA SECCIÓN APLICARÁN INCLUSO SI UNA ACCIÓN LIMITADA O SU PROPÓSITO ESENCIAL FALLA.
14. Indemnización.
    1. Indemnización por parte de la Parte Suscriptora. Usted defenderá, indemnizará y sacará en paz y a salvo a Signifyd, sus subsidiarias y afiliadas, así como a sus respectivos directores, funcionarios, agentes, empleados, licenciantes y proveedores de reclamaciones, procedimientos o demandas (en lo sucesivo, la "Reclamación") por parte de terceros, así como los costos, daños, gastos y responsabilidades relacionadas (incluidos honorarios razonables de los abogados) que surjan de o estén relacionados con el uso del Sitio, el Servicio y cualquier Contenido o Datos del Usuario que usted proporcione, su incumplimiento con cualquier disposición de estos Términos o su violación de cualquier ley, regulación o derecho de un tercero. Nos reservamos el derecho, bajo su responsabilidad, de asumir la defensa y el control exclusivos de cualquier asunto por el que usted nos deba indemnizar. Además, usted acepta cooperar con nuestra defensa ante estas reclamaciones. Usted acepta que no celebrará ningún acuerdo sin nuestro consentimiento previo por escrito. Llevaremos a cabo acciones razonables para notificarle sobre tales reclamaciones, acciones o procedimientos en cuanto tengamos conocimiento de ellas.
    2. Indemnización por parte de Signifyd. Según lo decida Signifyd, Signifyd defenderá o celebrará un acuerdo sobre cualquier Reclamación iniciada por parte de terceros contra usted que alegue que su uso del Servicio o el Contenido de conformidad con estos Términos infringe los derechos de la propiedad intelectual de un tercero. Así, Signifyd pagará cualquier cantidad que un tribunal le conceda a dicho tercero o la cantidad que acuerden Signifyd y el tercero con relación a la Reclamación. En caso de que usted nos notifique en cuanto tenga conocimiento de tal Reclamación, deberá otorgarnos el control exclusivo de la defensa de dicha Reclamación, así como cooperar, si así lo requerimos, con nuestra defensa de la Reclamación. No obstante a lo anterior, Signifyd no tendrá responsabilidad u obligación alguna de conformidad con la Sección 14 si la Reclamación surge de: (i) su suministro de Datos del Usuario a Signifyd; (ii) el uso del Servicio o Contenido en combinación con cualquier otro software, hardware, contenido o materiales; (iii) la modificación del Servicio o Contenido por parte de alguien que no sea Signifyd; o (iv) el uso del Servicio o Contenido de una manera (a) para la que el Servicio o Contenido no fue diseñado o destinado o (b) no esté descrita en la documentación aplicable proporcionada por Signifyd.
    3. Doble recuperación. Sin perjuicio de cualquier disposición contraria, ninguna disposición de estos Términos se interpretará como una indemnización u otra recuperación de los costos, daños y perjuicios u otros importes por los que la parte perjudicada haya sido plenamente compensada en virtud de cualquier otra disposición de estos Términos o de cualquier otro contrato o acción en derecho o equidad.
15. Usuarios gubernamentales. El Sitio, el Servicio y todo el Contenido son "productos comerciales" según el Inciso 2.101. del Título 48 del Código de Reglamentos Federales. De conformidad con los Incisos 12.211 y 12.212 del Título 48 del Código de Reglamentos Federales, tales productos comerciales se proporcionan a usuarios del Gobierno de Estados Unidos únicamente como Productos comerciales y solo con los derechos y licencias establecidos en estos Términos y que estén sujetos a las restricciones establecidas en estos Términos. Ningún usuario del Gobierno de Estados Unidos utilizará los servicios más allá de los derechos establecidos en estos Términos. De conformidad con la adaptación de disposiciones del Inciso 12.302 del Reglamento Federal de Adquisiciones, estos Términos modifican ciertas disposiciones de las secciones 52.212-4 del Reglamento Federal de Adquisiciones establecidas en estos Términos, en la medida en que dichas disposiciones se modifiquen o individualicen de acuerdo con la legislación y los reglamentos gubernamentales aplicables. En la medida en que dicha adaptación o modificación esté permitida, las disposiciones de estos Términos prevalecerán sobre otras disposiciones aplicables que sean contradictorias o inconsistentes en la documentación entre las partes, así como sobre cualquier disposición del Reglamento Federal de Adquisiciones a la que se aluda en ellas.
16. Confidencialidad y Publicidad.
    1. Información Confidencial. El término "Información Confidencial" se refiere a cualquier información divulgada directa o indirectamente en virtud de los presentes Términos por una de las partes (en lo sucesivo, la "Parte Reveladora") a la otra (en lo sucesivo, la "Parte Receptora"); información que se designó como "confidencial" o que en las circunstancias en que se dio la divulgación o por la naturaleza de la misma debería ser razonablemente entendida por la Parte Receptora como información confidencial de la Parte Reveladora. La Información Confidencial no incluye ninguna información que (a) sea o llegue a ser generalmente conocida y esté disponible para el público por algún acto u omisión de la Parte Receptora; (b) información que ya estaba en posesión de la Parte Receptora al momento de la divulgación por parte de la Parte Reveladora, como se demuestra en los registros contemporáneos de la Parte Receptora; (c) información que se obtuvo legalmente por la Parte Receptora mediante un tercero que tenga el derecho expreso de hacer tal divulgación; o (d) información que se desarrolló independientemente por la Parte Receptora sin utilizar la Información Confidencial de la Parte Reveladora. Las partes acuerdan en este acto que el Servicio y el Contenido se considera Información Confidencial de Signifyd, y que los Datos del Usuario son su Información Confidencial. Los términos (pero no la existencia) de los presentes Términos es Información Confidencial de ambas Partes. Ninguna parte utilizará la Información Confidencial de la otra parte para ningún fin que no sea para ejercer sus derechos y cumplir con sus obligaciones de conformidad con los presentes Términos.
    2. No uso y no divulgación. Ninguna parte utilizará la Información Confidencial de la otra parte para ningún fin que no sea para ejercer sus derechos y cumplir con sus obligaciones de conformidad con los presentes Términos. Usted limitará el acceso y la divulgación de nuestra Información Confidencial (incluyendo el Servicio y el Contenido) a sus propios empleados que tengan estrictamente la "necesidad de conocerla". Tales empleados deberán firmar un contrato con usted que contenga disposiciones de confidencialidad al menos tan restrictivas como las contenidas en los presentes Términos. Usted deberá notificarnos de inmediato en cuanto tenga conocimiento de cualquier incumplimiento de la presente Sección 16. Nosotros solo divulgaremos su Información Confidencial para ejercer nuestros derechos y realizar nuestras obligaciones en virtud de estos Términos, así como para compartirla con nuestros asesores, accionistas potenciales o compradores sujetos a un acuerdo de confidencialidad por escrito. Cada parte será responsable de tomar medidas razonables para mantener en secreto y evitar la divulgación y uso no autorizados de la Información Confidencial de la otra parte. La Parte Receptora hará esfuerzos razonables para notificar de manera oportuna la divulgación obligatoria para facilitar el tratamiento confidencial de la Información Confidencial de la Parte Reveladora, y proporcionará solo la parte de la Información Confidencial que está legalmente obligada a divulgar, después de esforzarse de manera razonable para obtener la garantía de que tal información recibirá un tratamiento confidencial.
    3. Publicidad. En el momento en el que usted cree una cuenta para usar el Servicio, aceptará que podemos divulgar que usted es nuestro cliente y tenemos permitido incluir su nombre y logo en cualquier lista de clientes en el Sitio, así como en otros materiales adicionales de marketing y comunicados de prensa.
17. Modificaciones a estos Términos Podremos realizar cambios a estos Términos de manera ocasional. En caso de que realicemos algún cambio sustancial, se lo notificaremos con un correo electrónico dirigido a la última dirección de correo electrónico que nos proporcionó (si proporcionó alguna) y/o con una notificación de los cambios publicada en el Sito o el Servicio. Tras recibir la notificación del cambio sustancial a los presentes Términos, en la medida en tales cambios perjudiquen a la Parte Suscriptora, la Parte Suscriptora podrá finalizar cualquier Orden o Declaración de Servicios (SOW) que esté sujeta a estos Términos proporcionándole una notificación por escrito a Signifyd donde manifieste su intención de finalización antes del periodo de treinta (30) días; dicha finalización entrará en vigor el primer día después del periodo de treinta (30) días. Cualquier cambio a estos Términos entrará en vigor, en caso de que no se haya establecido de manera expresa una fecha de entrada en vigor, treinta (30) días naturales después de nuestra expedición de una notificación por correo electrónico (si aplica) o treinta (30) días naturales después de la notificación de los cambios publicada en el Sitio o el Servicio, según lo que ocurra primero. Estos cambios entrarán en vigor de inmediato para los nuevos usuarios de nuestro Sitio y nuestro Servicio. Los usuarios de nuestro Servicio tienen la responsabilidad de proporcionarnos su dirección de correo electrónico más reciente. En caso de que la dirección de correo electrónico más reciente que nos haya proporcionado no sea válida, o si por cualquier razón dicha dirección no le entregue la notificación descrita anteriormente, nuestra expedición del correo con dicha notificación constituirá una notificación efectiva de los cambios descritos en la notificación. El uso continuo del Sitio o del Servicio tras la notificación de dichos cambios indicará que está al tanto de los mismos y que acepta su obligación de cumplir con los términos y condiciones de dichos cambios.
18. Consentimiento a las Comunicaciones Electrónicas Al usar el Sitio o el Servicio, usted otorga su consentimiento de recibir comunicaciones electrónicas de nuestra parte. Estas comunicaciones pueden incluir avisos sobre su cuenta e información concerniente a o relacionada con el Servicio. Usted acepta que cualquier notificación, acuerdo, divulgación u otra comunicación que nosotros le enviemos de forma electrónica cumplirá cualquier requisito de comunicación legal, lo que incluye que tales comunicaciones sean por escrito.
19. Disposiciones generales. El hecho de que no actuemos en una circunstancia concreta no supone una renuncia a nuestro derecho o capacidad para actuar con respecto a esa circunstancia o a circunstancias similares. Cualquier disposición de estos Términos que se considere inválida, ilegal o inexigible se eliminará de estos Términos, y las disposiciones restantes de estos Términos seguirán siendo plenamente vigentes. Los encabezados y títulos de estos Términos solo existen por conveniencia y no gozan de ningún poder contractual ni legal. Los términos "incluyendo" e "incluyendo, de manera enunciativa mas no limitativa" se utilizan en estos Términos para ejemplificar, no para limitar. Usted no podrá transferir o asignar esto Términos a otra persona, ya sea de manera directa o indirecta, sin nuestro previo consentimiento por escrito. Nada de lo expresado o implícito en estos Términos pretende conferir a cualquier entidad distinta de las partes y sus respectivos sucesores y cesionarios ningún derecho, recurso, obligación o responsabilidad. No seremos responsables de ningún retraso o incumplimiento de nuestras obligaciones bajo estos términos si la causa se encuentra fuera de nuestro control. Estos Términos se rigen por las leyes del Estado de California, excluyendo los conflictos de principios legales. Usted deberá iniciar cualquier controversia o reclamo que surja de o esté relacionada con el Sitio, el Servicio o estos Términos en el Estado de California dentro de un (1) año tras el surgimiento del reclamo. Si estos Términos permiten que se lleven a cabo procedimientos judiciales o demandas, usted otorga su consentimiento a la exclusiva jurisdicción personal materia de los tribunales estatales y federales ubicados en el condado de Santa Clara, California, y renuncia incondicionalmente, en la medida permitida por la ley aplicable: (a) a cualquier objeción que usted pueda tener ahora o en el futuro a la sede de cualquiera de tales tribunales en cualquier acción así iniciada bajo estos Términos; y (b) a cualquier reclamación de que cualquier acción o procedimiento así iniciada en cualquiera de esos tribunales haya sido presentado en un foro inconveniente. Las Partes renuncian de manera expresa a cualquier Ley o Jurisdicción aplicable que les corresponda en virtud de su domicilio actual o futuro; por esta razón, las Partes quedan sujetas de manera expresa a las Leyes y Jurisdicciones establecidas en estos Términos. Estos términos, así como todas las Órdenes o Declaraciones de Servicios, incluyendo la Política de Uso Aceptable, todos los anexos, programas y otros documentos adjuntos como referencias en estos términos y/u Órdenes (i) conforman el acuerdo en su totalidad entre usted y Signifyd relacionado con el Sitio, el Servicio y cualquier contenido y (ii) prevalecerán sobre todos los contratos o comunicaciones previos entre usted y Signifyd relacionados con el tema de estos Términos, a menos de que usted y Signifyd hayan celebrado un contrato marco de suscripción; en ese caso, será el contrato marco de suscripción y no estos Términos el que regirá su acceso a y uso del Servicio aplicable o una parte de él.
20. Resolución de Controversias y Arbitraje.
    1. Generales. Con el interés de resolver controversias entre usted y Signifyd de la manera más conveniente y económica, usted y Signifyd acuerdan que todas las controversias que surjan en relación con estos Términos se resolverán mediante arbitrajes vinculantes. El arbitraje es más informal que los procedimientos ante tribunales. El arbitraje emplea a un árbitro neutral en lugar de un juez o un jurado; la exhibición de pruebas que este árbitro puede permitir es más limitada que la de un tribunal y puede estar sujeta a revisiones limitadas por los tribunales. Los árbitros pueden conceder las mismas indemnizaciones o compensaciones que un tribunal. Nuestro acuerdo de recurrir al arbitraje por controversias incluye todas las demandas que surjan de o estén relacionadas con cualquier aspecto de estos Términos, ya sea que estén basadas en un contrato, un agravio, un estatuto, fraude, un testimonio falso o cualquier otra teoría legal, y sin importar si la demanda surge durante o después de la finalización de estos Términos. USTED ENTIENDE Y ACUERDA QUE, AL CELEBRAR ESTOS TÉRMINOS, USTED Y SIGNIFYD RENUNCIAN A SU DERECHO DE TENER UN PROCEDIMIENTO CON JURADO Y A PARTICIPAR EN UNA DEMANDA COLECTIVA; ADEMÁS, USTED ACEPTA DE MANERA EXPRESA SOMETERSE A ESTA JURISDICCIÓN, COMO SE ESTABLECE EN ESTOS TÉRMINOS.
    2. Excepciones. No obstante las disposiciones en el párrafo anterior, ambos acordamos que ningún elemento de estos Términos conllevará la renuncia, impedimento o limitación de nuestro derecho a realizar las siguientes acciones: (a) presentar una acción individual en un tribunal para casos menores; (b) buscar una acción ejecutoria en una instancia federal, estatal o local, si es que esa acción está disponible; (c) buscar medidas cautelares en un tribunal; o (d) presentar una demanda frente a un tribunal para abordar una controversia por violación de propiedad intelectual.
    3. Árbitro. Cualquier arbitraje entre usted y Signifyd será regido por los Procedimientos de Solución de Disputas Comerciales y los Procedimientos Suplementarios para Disputas Relacionadas con el Consumidor (en conjunto, "Reglas de la AAA") de la Asociación Americana de Arbitraje ("AAA"), según sus modificaciones en estos Términos, y serán administradas por la AAA. Las Reglas de la AAA y los formularios a llenar se encuentran disponibles en línea en www.adr.org, por teléfono si llama a la AAA al 1-800-778-7879 o si contacta a Signifyd.
    4. Notificaciones; Procedimiento. Si una parte desea recurrir al arbitraje, esta debe enviar una notificación previa por escrito sobre la controversia a la otra parte, ya sea por correo certificado o por Federal Express (requiere una firma) o, si no contamos con su dirección física registrada, mediante un correo electrónico (en lo sucesivo, la "Notificación"). La dirección en la que Signifyd recibirá la Notificación es la siguiente: Signifyd Inc., 99 Almaden Blvd., 4th floor, San Jose, CA 95113. La Notificación debe: (a) describir la naturaleza y la justificación de la demanda o controversia y (b) establecer la indemnización en específico que se busca (en lo sucesivo, la "Reclamación"). Acordamos que emplearemos esfuerzos de buena fe para resolver la reclamación directamente, pero si no llegamos a un acuerdo dentro de los treinta (30) días posteriores a la recepción de la Notificación, usted o Signifyd podrá iniciar un procedimiento de arbitraje. Durante el arbitraje, la cantidad de cualquier oferta para llegar a un arreglo que usted o Signifyd proponga no debe revelarse al árbitro antes de que este llegue a una decisión y conceda un laudo, en su caso. Si nuestra controversia se resuelve a su favor mediante el arbitraje, Signifyd le pagará la cantidad más alta de las siguientes: (i) la cantidad que el árbitro conceda, en su caso; (ii) la última cantidad de una conciliación por escrito que Signifyd haya ofrecido para resolver la controversia antes del laudo del árbitro; o (iii) USD 1000 (mil dólares estadounidenses).
    5. Tarifas. Si usted inicia el arbitraje de acuerdo con estos Términos, Signifyd le reembolsará el pago de las tarifas administrativas, a menos de que su demanda sea por más de USD 10 000 (diez mil dólares estadounidenses); en ese caso, las Reglas de la AAA dictarán el pago de cualquier tarifa. Todas las sesiones de arbitraje se llevarán a cabo en una ubicación acordada en San Francisco County, California, pero si la demanda es por USD 10 000 (diez mil dólares estadounidenses), usted podrá elegir si el arbitraje se llevará a cabo: (a) únicamente con base en los documentos entregados al árbitro; (b) mediante una sesión no presencial por teléfono; o (c) una sesión presencial, como se establece en las Reglas AAA, en el condado (o distrito) de su dirección de facturación. Si el árbitro decide que los fundamentos de su demanda o la indemnización que busca con su Reclamación son infundados o ha sido presentada con un propósito indebido (de acuerdo con los estándares establecidos en el apartado 11 (b) de la Regla Federal de Procedimientos Civiles), entonces las Reglas de la AAA regirán el pago de todas las tarifas. En ese caso, usted acuerda reembolsar a Signifyd por la cantidad que Signifyd haya gastado, si se ha determinado que usted es responsable de pagarlas de acuerdo con las Reglas de la AAA. Independientemente de la manera en que se lleve a cabo el arbitraje, el árbitro debe emitir una decisión razonada por escrito donde explique los descubrimientos esenciales y las conclusiones por las que se llegó a la decisión y al laudo, en su caso. El árbitro podrá emitir resoluciones y resolver controversias sobre el pago y el reembolso de cuotas o gastos en cualquier punto durante el procedimiento y por solicitud de cualquiera de las partes si dicha solicitud se realiza dentro de los catorce (14) días posteriores a la resolución del árbitro sobre este asunto.
    6. Restricción de Demandas Colectivas. USTED Y SIGNIFYD ACUERDAN QUE SOLO PODRÁN PRESENTAR DEMANDAS CONTRA LA OTRA PARTE DENTRO DE LOS LÍMITES DE SU CAPACIDAD INDIVIDUAL, Y NO PODRÁN PRESENTARLAS COMO UNA PARTE ACTORA O UN DEMANDANTE COLECTIVO EN NINGÚN PROCEDIMIENTO REPRESENTATIVO NI DEMANDA COLECTIVA. Asimismo, a menos de que tanto Signifyd como usted acuerden lo contrario, el árbitro no podrá consolidar la demanda de más de una persona, y tampoco podrá presidir sobre ningún procedimiento representativo o colectivo.
    7. Modificaciones. Si Signifyd realiza algún otro cambio en esta disposición de arbitraje (además de cambiar nuestra dirección para recibir Notificaciones), usted podrá rechazar el cambio mediante una notificación por escrito dentro de los treinta (30) días posteriores el cambio de nuestra dirección para recibir Notificaciones. En ese caso, su cuenta con Signifyd será finalizada de inmediato, mientras que esta disposición de arbitraje, que entrará en vigor de inmediato antes de las modificaciones que usted rechace, prevalecerá.
    8. Exigibilidad. Si se decide que la Sección 20.7 es inexigible o si la Sección 20 es inexigible en su totalidad, toda la Sección 20 será rescindida y anulada; en ese caso, las partes acuerdan que la jurisdicción exclusiva y la sede descritas en la Sección 19 regirán sobre cualquier acción que surja de o en relación con estos Términos.
21. Información de Contacto. Divulgaciones Los Servicios son ofrecidos por Signifyd Inc., localizada en 99 Almaden Blvd., 4th floor, San Jose, CA 95113. Si tiene alguna pregunta o inquietud sobre estos Términos, el Sitio o el Servicio, favor de enviarnos una descripción detallada por correo electrónico a través de nuestro portal de ayuda. Si usted es residente de California, podrá solicitar que se le envíen estos Términos de manera electrónica por medio de una carta dirigida a la dirección de correo electrónico establecida anteriormente y una solicitud de recibir estos Términos.

Términos de servicio actuales, desde el 17 de diciembre de 2024
Términos de servicio anteriores:
2 de mayo de 2024 al 16 de diciembre de 2024
21 de marzo de 2023 al 1 de mayo de 2024
13 de diciembre de 2022 al 20 de marzo de 2023
16 de octubre de 2020 al 12 de diciembre de 2022
14 de mayo de 2020 al 9 de octubre de 2020
31 de enero de 2020 al 14 de mayo de 2020

Mexico terms of service in Spanish

SIGNIFYD TERMS OF SERVICE

Effective: March 21, 2023 to May 1, 2024

Welcome to our website at www.signifyd.com (the “Site”). These Terms of Service (these “Terms”) constitute a binding legal agreement between you (either an individual or an entity, “you” or “Subscriber”) and Signifyd, Inc., a Delaware corporation (“Signifyd,” “we,” or “us”) regarding your use of the Site, including your use of any version of any of our fraud and abuse prevention or screening services provided through our customer portal on the Site (collectively, the “Service”).

Please read these Terms carefully. By clicking “I Accept,” registering for an account on the Site or otherwise for the Service, or otherwise using the Site or the Service, you agree to be bound by these Terms and to use the Site and the Service in compliance with these Terms. If you are registering for access to, or otherwise accessing or using, the Site or the Service on behalf of a company or other legal entity, you and such company or entity represent and warrant that (i) you have the right and legal authority to bind such company or entity to these Terms; (ii) such company or entity is fully aware of, understands, and agrees to be bound by these Terms (with the terms “you” and “your” as used herein referring to such company or entity), and (iii) you agree to be bound by these Terms on behalf of such company or entity. If you do not qualify for the Service, or do not agree to these Terms, then you should not and may not register for, access, or use the Site or Service.

These Terms provide that all disputes between you and Signifyd will be resolved by BINDING ARBITRATION. YOU AGREE TO GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under this contract, except for matters that may be taken to small claims court. your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury, and your claims cannot be brought as a class action. Please review Section 20 (“Dispute Resolution and Arbitration”) below for the details regarding your agreement to arbitrate any disputes with Signifyd.

1. Definitions.
   1. “Affirmative Advisory Notice” shall have the meaning ascribed to it in Section 2.2.
   2. “Chargeback Reason Code Policy” means the policy available at community.signifyd.com/support/s/article/gfp-chargeback-coverage that sets forth eligible chargeback reason codes, as may be modified from time to time by Signifyd, with any such amendment being applicable only to Submitted Transactions for which Fraud Screening Services were provided after the date of the modification.
   3. “Content” means any information (including contact information), data, audio, visual, and audiovisual works, any score or rating regarding an individual or an actual or prospective ecommerce transaction, any results or recommendations (including Affirmative Advisory Notices), or any other content made available through the Service including such content developed and provided in connection with Professional Services, but excluding User Data (defined below).
   4. “ecommerce transaction” means orders (i) taken in a “card-not-present” environment and (ii) made with credit card-related payment methods, which consist of credit cards, PayPal, Samsung Pay, Apple Pay, Google Pay, Android Pay, Amazon Pay, pre-paid cards, debit cards, and any other methods approved in writing by Signifyd. For the avoidance of doubt, an ecommerce transaction does not include orders (i) taken in a point-of-sale terminal or in-person or (ii) made with non-credit card-related alternative payment methods, including ACH, Bitcoin, carrier billing, cash/COD, check, money orders, and wire transfer, unless otherwise indicated in an agreement with Signifyd.
   5. “Eligible Chargeback” means a chargeback provided by a financial institution indicating a fraudulent transaction or “no cardholder authorization” and having one of the eligible chargeback reason codes stated in the Chargeback Reason Code Policy. For clarity, Signifyd may elect to recognize additional reason codes as Eligible Chargebacks on a case-by-case basis, in its sole discretion; chargebacks provided with any other reason codes, including those listed as ineligible chargeback reason codes in the Chargeback Reason Code Policy, are not Eligible Chargebacks.
   6. “End User” means an end user on the Subscriber Storefront.
   7. “Fraud Screening Services” means the ecommerce fraud screening services provided through the Service to help you determine whether to accept or decline an ecommerce transaction for physical goods (unless digital or other non-physical goods are otherwise permitted pursuant to the applicable Order) of an End User, as further described in Section 2.2.
   8. “Order” shall have the meaning ascribed to it in Section 2.1.
   9. “Order Amount” shall have the meaning ascribed to it in Section 2.2.
   10. “Process” shall have the meaning ascribed to it in Section 9.
   11. “Professional Services” shall have the meaning ascribed to it in Section 2.4.
   12. “Service” means Signifyd’s cloud-based service currently known as “Guaranteed Payments,” made available by Signifyd through the Site, including any plug-ins or APIs provided by Signifyd for use with the Subscriber Storefront and all related documentation provided by Signifyd.
   13. “SOW” shall have the meaning ascribed to it in Section 2.4.
   14. “Submitted Transaction” shall have the meaning ascribed to it in Section 2.2.
   15. “Subscriber Storefront” means, collectively, your ecommerce storefront(s) and your account(s) on any third-party ecommerce platform approved by Signifyd.
   16. “Subscription Term” shall have the meaning ascribed to it in Section 6.2.
   17. “User Data” shall have the meaning ascribed to it in Section 9.2.
2. Use of the Service
   1. General. Subject to your ongoing compliance with these Terms (including the timely payment of all applicable fees), we grant you a non-exclusive, revocable, non-sublicensable, non-assignable and non-transferable right, during the applicable Subscription Term, to access and use the Service for which you have purchased a subscription through our website or pursuant to a mutually executed order form (each an “Order”) and the Content solely to request and receive Fraud Screening Services for your internal business purposes. For the avoidance of doubt, your right to use the Service is subject to any usage metrics and limitations set forth in the applicable Order.
   2. Fraud Screening Services. To request Fraud Screening Services from us, you must provide to us through the applicable features of the Service the requested details of an ecommerce transaction of an End User (a “Submitted Transaction”), including the End User’s order amount for which you are seeking Fraud Screening Services (the “Order Amount”) and other User Data. Each such request for Fraud Screening Services for a Submitted Transaction is subject to our acceptance in our sole discretion. If we accept your request for Fraud Screening Services for a given Submitted Transaction, we will provide you a notice (whether in the form of an icon, marker, or other notification on the Service or Subscriber Storefront, or otherwise) indicating whether it advises you to accept or decline such Submitted Transaction (an “Advisory Notice,” and the date on which an Advisory Notice is provided by us (the “Advisory Notice Date”). You will be required to pay fees for Fraud Screening Services if we provide an Advisory Notice to you recommending that you accept the Submitted Transaction (an “Affirmative Advisory Notice”) unless you: (a) provide to Signifyd documentation indicating that you have provided a full refund to the applicable End User in connection with the corresponding Submitted Transaction; and (b) cancel the submission of a Submitted Transaction through the applicable feature on the Service (“Cancellation Feature”) within a number of days following the applicable Advisory Notice Date equal to the lesser of (i) 30 days or (ii) the number of days allowed for returns in your return policy for the Subscriber Storefront (“Cancellation Notice”). Our acceptance of a Cancellation Notice is subject to our reasonable discretion, and will be subject to all guidelines, terms, and agreements applicable to the Cancellation Feature as described at the Guarantee Cancellation Policy available at www.signifyd.com/resources/faq/signifyd-console/cancel-guarantee. In the event you cancel the submission of a Submitted Transaction pursuant to the terms of our Guarantee Cancellation Policy available at www.signifyd.com/resources/faq/signifyd-console/cancel-guarantee (each, a “Transaction Cancellation”), we will charge you a $0.30 fee for each such Transaction Cancellation. If we provide you an Advisory Notice advising you to decline a Submitted Transaction and you reasonably believe that it is not a fraudulent transaction, then you can provide us additional information regarding such Submitted Transaction and re-submit such Submitted Transaction for Fraud Screening Services within 7 days of the original submission.
   3. Eligible Chargeback.
      1. Notices and Credits. If you receive notice from a financial institution of an Eligible Chargeback with respect to a Submitted Transaction for which we provided an Affirmative Advisory Notice, in order to be eligible for a credit (i) no fees owed by you under these Terms may be overdue, (ii) such Eligible Chargebacks must be submitted in accordance with our Reimbursement Policy community.signifyd.com/support/s/article/net-billing, and (iii) you must notify us by providing details regarding such Eligible Chargeback, as requested by us, through the applicable feature on the Service within 7 days from the date you received notice of the applicable Eligible Chargeback (“Chargeback Notice”). You shall promptly report to us any amounts received, expected to be received, or sought by you from any third party in connection with an Eligible Chargeback, including without limitation any payments resulting from insurance coverage held by you or arrangements for reimbursement or fraud protection offered by a payment processor (collectively, “Third-Party Reimbursements”). Subject to your continued compliance with these Terms, if we determine in our reasonable discretion that you have been subject to a valid Eligible Chargeback for a given Submitted Transaction despite receiving an Affirmative Advisory Notice, then we will issue you a credit against fees owed by you to us in an amount equal to the lesser of: (x) the actual total fees owed by you to an End User or financial institution (if any) as a result of the Eligible Chargeback (including, without limitation, any pre-arbitration fees directly resulting from an Eligible Chargeback that Signifyd disputes as the Representment Party); or (y) the Order Amount plus any associated standard chargeback transaction/processing fees charged by the applicable financial institution; each of (x) and (y) less any Third-Party Reimbursements actually received by Subscriber (each such amount, a “Chargeback Credit”). Each monthly invoice issued in accordance with Section 5 will reflect Chargeback Credits applicable to the period of time covered by the invoice.
      2. Authorizations. 2.3.2 You hereby authorize us: (i) to verify or validate the chargeback for which you provide a Chargeback Notice by communicating with, or obtaining data from, the applicable merchant, End User, and/or payment processor and by otherwise accessing the applicable merchant portals and other third-party platforms; and (ii) in our sole discretion, to dispute such chargebacks, and you agree to provide to us all information regarding such chargeback and all authorizations to communicate with third parties necessary to enable us to verify, validate or dispute such chargeback.
      3. Conditions. You represent and warrant to us that: (i) the information about the applicable Submitted Transaction that you provide to us as required under Section 2.2 is accurate and complete as of the applicable Advisory Notice Date as reasonably determined by us; (ii) each Eligible Chargeback for which you provide a Chargeback Notice was issued or incurred (whichever is earlier) after the applicable Advisory Notice Date; (iii) you have taken, and will take, all steps as required and/or requested by the applicable financial institution with respect to each Submitted Transaction for which you submit a Chargeback Notice; and (iv) you have sent or delivered the item purchased by the End User in the Submitted Transaction, in every respect as required by the original order of the End User. Notwithstanding anything to the contrary set forth in these Terms, we will have no obligation to issue a Chargeback Credit if: (1) you have failed to comply with any of these Terms, including the representations and warranties set forth in the immediately preceding sentence of this Section 2.3.3, as reasonably determined by us; or (2) our designated claims team is unable to correlate the Chargeback Notice with the applicable Submitted Transaction. The parties hereby acknowledge and agree that your receipt of an Eligible Chargeback does not qualify as a breach of these Terms by us and the Chargeback Credit as set forth in this Section 2.3 is our sole obligation and liability with respect to an Eligible Chargeback you received.
      4. Representment. Unless otherwise agreed upon in writing, Signifyd shall represent Subscriber in the representment process for chargeback claims with respect to a Submitted Transaction for which we have issued you a Chargeback Credit, as indicated by notice of a voided chargeback from the financial institution that issued such Eligible Chargeback (“Chargeback Reversal”). In the event that Subscriber represents themself, and Subscriber is successful in a chargeback recovery investigation, Subscriber shall inform Signifyd within 10 business days of said recovery. Whether represented by Subscriber or Signifyd, the same amount will be returned or credited back to Signifyd, at the end of the current month as a net against claims creditable for Eligible Chargebacks.
   4. Professional Services. We may offer certain professional services to you related to implementation and development activities or other professional services as requested by you for an additional fee (“Professional Services”). If we agree to provide Professional Services to you, any such Professional Services will be provided pursuant to a Statement of Work (“SOW”) that has been executed by both parties and that describes such Professional Services and the fees therefor.
   5. Representations and Warranties.
      1. Compliance with Laws. Signifyd represents and warrants that it will comply with all laws generally applicable to Signifyd’s provision of the Service and the Content, including without limitation, applicable privacy, data security and data breach notification laws.
      2. Viruses. Signifyd represents and warrants that it uses commercially reasonable efforts to prevent the introduction of any Virus into Subscriber’s computer systems through the Service or Content. As used herein, “Virus” means viruses, malware, worms, “trojan horses” or other harmful code.
3. Account Registration. You must register for and maintain an account with us to use the Service. When registering, you must provide accurate and complete information and promptly update this information. You represent and warrant that all registration information you submit is truthful and accurate, and you agree to keep such information accurate and up-to-date at all times. If you provide any information that is inaccurate or incomplete, or that we have reason to believe is inaccurate or incomplete, we may suspend or terminate your account and your use of the Service. Only you and your employees are authorized to use your account, and you are responsible for all activities that occur through your account. You agree that: (i) you will not provide your user identification or password to any third party; and (ii) you will notify us immediately of any unauthorized use of your account or any other breach of security regarding the Service. You agree that all decisions or actions taken while holding this account are your own, and for which you shall hold sole responsibility. This is including, but not limited to, all actions taken regarding the Decision Center feature, account access and your use of the product.
4. Trials of the Service. 4 We may offer “beta” or free trial versions or features of the Service (“Trials”). We will determine, at our sole discretion, the availability, duration (the “Trial Period”) and features of each Trial, and when such free trial versions are available, we will inform you the applicable terms for such trial version, specifically the duration of such trial period. THE TRIALS ARE PROVIDED “AS IS” WITHOUT ANY WARRANTIES. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THESE TERMS, IN NO EVENT WILL SIGNIFYD BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES OR LIABILITY RELATED TO, ARISING OUT OF, OR CAUSED BY THE TRIALS OR ANY MODIFICATION, SUSPENSION, OR TERMINATION THEREOF. Without limiting the foregoing and for the avoidance of doubt, if we make any Trial of the Services available to you, we will have no obligations (including any obligations to pay any Chargeback Payments) or liability with respect to any chargebacks you may receive in connection with any such Trial of the Services. If we permit you to use any Trial, you agree to provide feedback and respond to our questions or other inquiries regarding your use of the Trial, as applicable and to be bound to any other applicable terms as made available to you. We, at our sole discretion, shall determine whether to continue to offer any Trial at the end of any other Trial. Upon completion of a Trial Period, you will lose access to the applicable Trial and any related Content unless you have purchased a subscription to the applicable Service pursuant to an Order. Unless otherwise set forth in an Order, any production candidate or non-production version of the Service will be considered a Trial. Except as provided in this Section 4, these Terms govern your use of the Trials, as part of the Service.
5. Fees.
   1. Subscription Fees. We charge fees as set forth in the applicable Order. Except as otherwise set forth in the applicable Order, we will invoice you monthly, and you must pay invoices within 30 days of the date of the invoice by check, credit card, ACH transfer or wire transfer. If we do not receive timely payment of an invoice, we may suspend or terminate your access to the Services or the applicable Order. Except as otherwise set forth in these Terms or the applicable Order, all payments are non-refundable and must be in U.S. dollars, and you are responsible for all applicable taxes (other than those taxes based on our income) or other governmental charges. Except as otherwise set forth in the applicable Order, we may modify our fees, and any such modification will apply beginning in the month following publication or other notice of the change. Following the initial subscription term, at the beginning of each Subscription Term, the then-current Guarantee Fee Rate (as defined in the applicable Order) shall be increased by three percent.
   2. Professional Services Fees. If the applicable SOW specifies that Signifyd will charge a fixed fee for the performance of Professional Services, then Signifyd shall invoice you a fee for the Professional Services in the amount set forth in such SOW. Such fee shall be payable within thirty (30) days following your receipt of the corresponding invoice. Our determination of any fixed fee assumes that you have provided accurate and complete information in response to inquiries by Signifyd, and that you will provide reasonable support in order to enable Signifyd to perform its obligations under the applicable SOW. If the technical or operational characteristics of the Subscriber Storefront and related networks or computer systems materially differ from the descriptions provided to Signifyd by you or if you fail to provide reasonable assistance, then Signifyd may charge an additional fee on a time and materials basis at our then-standard rates for time spent by Signifyd resources in performing the Professional Services in excess of the estimates used by us to establish the fixed fee.
6. Term and Termination.
   1. Term. These Terms will commence on the earlier of the date on which you accept these Terms, register for the Service or an account, or otherwise access or use the Site, Service, or Content, and will continue until terminated in accordance with these Terms.
   2. Subscription Term. Each Order will have the initial subscription term set forth therein, and, except as otherwise set forth in the applicable Order, will automatically renew for successive periods equal to the greater of the length of the initial subscription term and the prior subscription term, unless either party provides the other party at least 30 days’ notice of its intent not to renew prior to the end of the then-current subscription term (collectively, the “Subscription Term”).
   3. Termination. Either party may terminate these Terms or an Order by written notice if the other party materially breaches these Terms or the Order, as applicable, and fails to cure such breach within 30 days of written notice thereof. We may terminate these Terms or any Order(s) immediately in the event of insolvency affecting you under which you: (i) are unable to pay your debts when due; (ii) make any assignment or composition for the benefit of creditors; (iii) have appointed or suffer the appointment of a receiver or trustee for your business, property or assets; (iv) file or have filed against you any petition under the bankruptcy or insolvency laws of any jurisdiction; (v) are adjudicated bankrupt or insolvent; or (vi) suffer any other event analogous to the events described in subsections (i)-(v) in any jurisdiction. We may terminate these Terms or any Order (unless otherwise set forth in such Order) and refuse any and all current or future use of the Site, Service and Content, as applicable, by you, for any reason at any time without any liability to you upon 30 days’ prior written notice to you. Except as otherwise set forth in the applicable Order, you may terminate these Terms, your account, or any Order upon 30 days’ prior written notice by contacting customer service via our support portal, community.signifyd.com/support/s; however, any termination thereof will not relieve you of any current or future obligation to pay any fees or other costs owed by you to us under these Terms or any Order.
   4. Suspension. If you or your use of the Service negatively affects, or is reasonably expected to negatively affect, any part of the Service or the rights or interests of us or any third party, including in the event of breach of your payment obligations, or may result in a violation of applicable law, legal obligation, or legal rights of another, then, in addition to the termination rights set forth in Section 6.3 and any other remedies available to us, we reserve the right to suspend the Service or change the level of the Service, including without limitation the features or functionality thereof, provided to you, with or without an immediate notice and without liability to you.
   5. Effect of Termination. Upon the expiration or termination of an Order for any reason, you will immediately cease use of the applicable Service and Content and pay us all fees and other costs owed for services already rendered under such Order, except for the final month of such period and all rights granted to you with respect to such Service will immediately terminate. The final monthly invoice under each Order, will be issued between 60 and 90 days following expiration or termination of the Order to allow for Chargeback Credits to be received and accounted for in such invoice, pursuant to the terms of Section 2.3. Upon expiration of an Order or your termination for cause, to the extent that your account reflects a credit at the time the final invoice is issued, we will issue you payment in the amount of the remaining credit within 30 days following issuance of the final invoice. The provisions of Eligible Chargebacks, Fees, Ownership, Confidentiality, and User Data License and Privacy, Feedback, Warranty Disclaimers, Limitation of Liability, Indemnity, and Legal Notices will survive any termination or expiration of these Terms, except that none of the license rights granted by us to you under these Terms survive termination.
7. Access to the Service. Modifications to the Service. We do not provide you with the equipment to access the Site or the Service. You are responsible for all fees charged by third parties to access the Site and the Service (e.g., charges by Internet service providers). You acknowledge and agree that we will have no obligation to provide you with any support or maintenance in connection with the Site or Service except as otherwise set forth in the applicable Order. We reserve the right to modify or discontinue, temporarily or permanently, all or a part of the Site and the Service (including, without limitation, access to any Content, in whole or in part, and including but not limited to any prior cases of submitted transactions on the Service and any Content displayed to you in connection with such cases). You agree that we will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Service (including, without limitation, access to any Content, in whole or in part), except that to the extent you pay subscription fees to access or use the Service, you are only entitled to a prorated refund representing the unused (as of the date of termination) portion of any subscription fees that you have paid in advance if we permanently discontinue the Service in its entirety.
8. Ownership. The Site, the Service, and all Content are protected by applicable intellectual property laws, including United States copyright law and international treaties. We and our suppliers and licensors own all right, title, and interest, including all intellectual property rights, in and to the Site and the Service, including all Content on and available through the Site and the Service, and any and all underlying software and technology used to provide and make available the Site and the Service. Except for those rights expressly granted in these Terms, no other rights are granted, either express or implied, to you. All trademarks, logos and service marks displayed on the Site (“Trademarks”) are our property or the property of other third parties. You are not permitted to use these Trademarks without our prior written consent or the consent of such third party which may own the Trademarks.
9. User Data License and Privacy.
   1. Signifyd User Data Restrictions. We will not (i) identify you to any unaffiliated third party as the source of the User Data, (ii) disclose a complete data set of User Data for an ecommerce transaction to any unaffiliated third party, (iii) disclose more than the disaggregated portions of User Data that is necessary to exercise Signifyd’s rights and perform its obligations under these Terms or (iv) Process User Data for purposes of cookie tracking, ad exchanges, data brokerages, ad networks, or sending electronic communications (including email) in violation of applicable law; provided, however, that the restrictions set forth in (i) – (iii) above shall not apply to (a) third-party cloud service providers engaged by Signifyd in connection with the Service, or (b) card issuers and others involved in payment processing activities for the purposes of assessing the associated fraud risk with a transaction.
   2. User Data License. Signifyd’s Privacy Policy, available at www.signifyd.com/privacy, is hereby incorporated into these Terms. Signifyd’s GDPR Policy, available at www.signifyd.com/gdpr, is hereby incorporated into these Terms and will apply for User Data of End Users in the European Economic Area, the United Kingdom or Switzerland. Signifyd’s CCPA Policy, available at www.signifyd.com/ccpa, is hereby incorporated into these Terms and will apply for User Data of End Users in California. To the extent that Signifyd’s GDPR Policy or CCPA Policy conflicts with other terms in these Terms, including Signifyd’s Privacy Policy, Signifyd’s GDPR Policy or CCPA Policy, as applicable, will control. For each Submitted Transaction, you will supply or make available to us, and you hereby authorize us to receive or collect from the Subscriber Storefront or other applicable third-party platform, information regarding the applicable End User, including such individual’s actual or attempted transactions on the Subscriber Storefront (collectively, “User Data”). You acknowledge that our provision of the Service is conditioned upon our receipt of correct and accurate User Data. You are solely responsible for the User Data. You hereby represent and warrant that the User Data, your provision of the User Data, and our use and disclosure of the User Data in accordance with these Terms (including Signifyd’s Privacy Policy, GDPR Policy and CCPA Policy, as applicable), does not violate any third-party rights or any laws, regulations, or obligations imposed by any third party. In addition, you hereby represent and warrant that you have obtained or will obtain and maintain all necessary consents, approvals, and waivers to permit you and each third-party platform to provide us with or otherwise authorize our access to User Data and to use and disclose to third parties User Data as contemplated by these Terms (including Signifyd’s Privacy Policy, GDPR Policy and CCPA Policy, as applicable). We have no obligation to back up any User Data and the User Data we store may be deleted at any time. You hereby grant to Signifyd, and you represent and warrant that you have the right to grant, for the purposes of exercising our rights and performing our obligations under these Terms and providing and improving our products and services (collectively, to “Process”), an irrevocable, perpetual, nonexclusive, royalty-free and fully paid, worldwide, sublicensable license to the User Data, in each case during and after the Term. To the extent that an agreement between Signifyd and one of Signifyd’s third-party providers requires Signifyd to grant a license in the User Data to such third-party provider, the scope of the license set forth in the foregoing sentence shall be deemed to include the rights necessary to enable Signifyd to grant such license to the applicable third-party provider.
   3. Your Restrictions for Submitting User Data. You shall ensure that no User Data: (i) violates, or that causes Signifyd or Signifyd’s affiliates, subsidiaries, or partners to violate, any applicable law, regulation, or order of any governmental authority in any jurisdiction; (ii) contains or embodies any trade secrets or information for which you have any obligation of confidentiality; (iii) infringes or violates, or may infringe or violate, any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party, or that you otherwise do not have the right to make available; or (iv) in Signifyd’s sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying the Service, or may expose Signifyd or Signifyd’s suppliers, licensors, or users to harm or liability of any nature. You must not use the Service to obtain any information regarding any person or entity in violation of any prohibition on you obtaining such information, including under any applicable law or regulation.
   4. Your Restrictions for Using the Service and Content. You will comply with all applicable laws when using the Service and any Content, and will use the Service and Content in accordance with all applicable documentation. Further, except as may be permitted expressly by applicable law or authorized by us in advance in writing, you will comply with Signifyd’s Acceptable Use Policy, available at www.signifyd.com/restrictions, which is hereby incorporated into these Terms.
   5. No Fair Credit Reporting Act Characteristics. You understand and agree that Signifyd is not a consumer reporting agency as defined by the Fair Credit Reporting Act, 15 U.S.C. §1681 et seq. (“FCRA”), and that the Service does not include “consumer reports” as defined in the FCRA. You understand that any information provided to Signifyd in order to use the Service has not been collected by Signifyd for credit purposes and is not intended to be indicative of any consumer’s credit worthiness, credit standing, credit capacity, or other characteristics listed in Section 603(d) of the FCRA.
10. Feedback. If you provide us with identification of any potential errors in, or improvements to, the Site, the Service, or any Content (including, without limitation, providing any feedback with respect to any person’s investigatory profile on the Service) (“Feedback”), you hereby grant us the unrestricted right to use your Feedback, including the right to use your Feedback to improve the Site and the Service and create other products and services. We will treat any Feedback you provide to us as non-confidential and non-proprietary. You agree that you will not submit to us any Feedback that you consider to be confidential or proprietary.
11. Links and Third Party Content. The Site and the Service may contain links to webpages and content of third parties that are not hosted by us (“Third-Party Content”) as a service to those interested in this information. We do not monitor, endorse, or adopt, or have any control over, any Third-Party Content. We undertake no responsibility to update or review any Third Party Content and can make no guarantee as to its accuracy or completeness. Additionally, if you follow a link or otherwise navigate away from the Site or the Service, please be aware that these Terms will no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any Third-Party Content provider to which you navigate from the Site or the Service. You access and use Third-Party Content at your own risk. The Site and the Service may contain advertisements and promotions from third parties. Your business dealings or correspondence with, or participation in promotions of, advertisers other than us, and any terms, conditions, warranties, or representations associated with such dealings, are solely between you and such third party.
12. Warranty Disclaimers. YOUR USE OF THE SITE AND THE SERVICE, INCLUDING, WITHOUT LIMITATION, YOUR USE OF ANY CONTENT, IS AT YOUR SOLE RISK. THE SITE, THE SERVICE, AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE AND OUR SUPPLIERS AND LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND RELATING TO THE SITE, THE SERVICE, AND THE CONTENT, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, AND ACCURACY, AND IMPLIED WARRANTIES ARISING FROM A COURSE OF DEALING OR COURSE OF PERFORMANCE. SIGNIFYD AND ITS SUPPLIERS AND LICENSORS DO NOT WARRANT UNINTERRUPTED USE OR OPERATION OF THE SITE OR THE SERVICE OR YOUR ACCESS TO ANY CONTENT. WE AND OUR SUPPLIERS AND LICENSORS MAKE NO WARRANTY THAT THE SITE, THE SERVICE, OR ANY CONTENT WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, THAT ANY RESULTS, DATA, INFORMATION, OR CONTENT OBTAINED OR DERIVED THROUGH THE USE OF THE SITE OR THE SERVICE OR ANY OF THE CONTENT WILL BE TIMELY, ACCURATE, COMPLETE, ERROR-FREE, OR SAFE, OR THAT ANY ERRORS IN THE SITE, THE SERVICE, OR ANY ERRORS IN ANY RESULTS, DATA, INFORMATION, OR CONTENT OBTAINED OR DERIVED THROUGH THE USE OF THE SITE OR THE SERVICE OR ANY OF THE CONTENT WILL BE CORRECTED. WE AND OUR SUPPLIERS AND LICENSORS WILL NOT BE LIABLE FOR DELAYS, INTERRUPTIONS, SERVICE FAILURES AND OTHER PROBLEMS INHERENT IN USE OF THE INTERNET AND ELECTRONIC COMMUNICATIONS OR OTHER SYSTEMS OUTSIDE OUR REASONABLE CONTROL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE SITE, THE SERVICE, OR ANY CONTENT WILL CREATE ANY WARRANTY REGARDING THE SITE, THE SERVICE, OR ANY CONTENT THAT IS NOT EXPRESSLY STATED IN THESE TERMS. SOME JURISDICTIONS MAY PROHIBIT A DISCLAIMER OF WARRANTIES AND YOU MAY HAVE OTHER RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION. IF APPLICABLE LAW REQUIRES ANY WARRANTIES WITH RESPECT TO THE SITE, THE SERVICE, OR ANY CONTENT, THE DURATION AND SCOPE OF SUCH WARRANTY WILL BE THE MINIMUM POSSIBLE UNDER SUCH APPLICABLE LAW.
13. Limitations of Liability. NEITHER SIGNIFYD NOR ITS SUPPLIERS OR LICENSORS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS INFORMATION, PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF SIGNIFYD OR ANY SUPPLIER OR LICENSOR HAS BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES), ARISING OUT OF OR RELATING TO THESE TERMS, ANY ORDER, OR YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, THE SITE, THE SERVICE, OR ANY CONTENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU. THE MAXIMUM TOTAL LIABILITY OF SIGNIFYD TO YOU FOR ALL CLAIMS OR DAMAGES ARISING UNDER OR RELATING TO THESE TERMS OR THE ORDERS, OR OTHERWISE RELATING TO THE SITE, THE SERVICE, OR ANY CONTENT, WHETHER IN CONTRACT, TORT, OR OTHERWISE, WILL NOT EXCEED THE TOTAL FEES, IF ANY, PAID BY YOU FOR YOUR ACCESS TO AND USE OF THE SITE OR THE SERVICE IN THE SIX MONTHS PRECEDING THE APPLICABLE CLAIM. IF A COURT FINDS THE MAXIMUM TOTAL LIABILITY UNDER THE PREVIOUS SENTENCE UNENFORCEABLE, THE MAXIMUM TOTAL LIABILITY OF SIGNIFYD TO YOU FOR ALL CLAIMS OR DAMAGES ARISING UNDER OR RELATING TO THESE TERMS OR THE ORDERS, OR OTHERWISE RELATING TO THE SITE, THE SERVICE, OR ANY CONTENT, WHETHER IN CONTRACT, TORT, OR OTHERWISE, WILL NOT EXCEED $50. YOU FURTHER AGREE THAT OUR SUPPLIERS AND LICENSORS WILL HAVE NO LIABILITY OF ANY KIND ARISING FROM OR RELATING TO THESE TERMS, THE SITE, THE SERVICE, OR ANY CONTENT. EACH PROVISION OF THESE TERMS THAT PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS TO ALLOCATE THE RISKS UNDER THESE TERMS BETWEEN THE PARTIES. THIS ALLOCATION IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN THE PARTIES. EACH OF THESE PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER PROVISIONS OF THESE TERMS. THE LIMITATIONS IN THIS SECTION WILL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
14. Indemnity.
    1. Indemnification by Subscriber. You will defend, indemnify and hold harmless Signifyd, its subsidiaries and affiliates, and their respective directors, officers, agents, employees, licensors, and suppliers from and against any third-party claims, proceedings or demands (“Claims”), and any related costs, damages, expenses, and liabilities (including reasonable attorneys’ fees), arising out of or related to your use of the Site, the Service, and any Content, any User Data you provide, your violation of any provision of these Terms, or your violation of any law, regulation, or rights of a third party. We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us and you agree to cooperate with our defense of these claims. You agree not to settle any matter without our prior written consent. We will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.
    2. Indemnification by Signifyd. 14.2 Signifyd will defend or settle, at its sole option, any actual third-party Claims brought against you alleging that your use of the Service or Content in accordance with these Terms infringes any intellectual property rights of a third party, and Signifyd will pay any amount finally awarded to such third party by a court, or agreed upon by Signifyd and the third party, in connection with such Claim; provided that you promptly notify us upon becoming aware of any such Claim, provide us with sole control over the defense thereof, and cooperate with us, upon request, in our defense of the Claim. Notwithstanding the foregoing, Signifyd shall have no liability or obligations under this Section 14 to the extent the Claim arises from: (i) your provision of User Data to Signifyd; (ii) the use of the Service or Content in combination with any other software, hardware, content or materials; (iii) the modification of the Service or Content other than by Signifyd; or (iv) the use of the Service or Content in a manner: (a) for which the Service or Content was not designed or intended, or (b) not described in the applicable documentation provided by Signifyd.
    3. Double Recovery. Notwithstanding anything to the contrary, no provision of these Terms shall be construed to provide an indemnity or other recovery for any costs, damages, or other amounts for which the damaged party has been fully compensated under any other provision of these Terms or under any other agreement or action at law or equity.
15. Government Users. The Site, the Service, and all Content are “commercial items” as defined in 48 C.F.R. 2.101. Consistent with 48 C.F.R. 12.211 and 48 C.F.R. 12.212, such commercial items are provided to any U.S. Government users only as commercial Items and with only those rights and licenses set forth in these Terms and subject to the restrictions set forth in these Terms. All U.S. Government users use the Service with only those rights set forth in these Terms. In accordance with the tailoring provisions of FAR 12.302, these Terms amends certain provisions of FAR 52.212-4 as set forth herein, to the extent such provisions may be so tailored or amended in accordance with applicable law and government regulation. To the extent the foregoing tailoring or amendment is so permitted, the provisions of these Terms will take precedence over any otherwise applicable and conflicting or inconsistent provisions of the documentation between the parties and any provisions of the FAR that may be referenced therein.
16. Confidentiality and Publicity.
    1. Confidential Information. “Confidential Information” means any information disclosed directly or indirectly by one party (“Disclosing Party”) to the other party (“Receiving Party”) pursuant to these Terms that is either designated as “confidential” or under the circumstances of disclosure or by the nature of the information itself should be reasonably understood by the Receiving Party to be the confidential information of the Disclosing Party. Confidential Information does not include any information which (a) is or becomes generally known and available to the public through no act or omission of the Receiving Party; (b) was already in the Receiving Party’s possession at the time of disclosure by the Disclosing Party, as shown by the Receiving Party’s contemporaneous records; (c) is lawfully obtained by the Receiving Party from a third party who has the express right to make such disclosure; or (d) is independently developed by the Receiving Party without use of the Disclosing Party’s Confidential Information. The parties agree that the Service and Content are hereby deemed to be the Confidential Information of Signifyd, and the User Data is your Confidential Information. The terms (but not the existence) of these Terms are each party’s Confidential Information. Neither party shall use the Confidential Information of the other party for any purpose except to exercise its rights and perform its obligations under these Terms.
    2. Non-Use and Non-Disclosure. 16.2 Neither party shall use the Confidential Information of the other party for any purpose except to exercise its rights and perform its obligations under these Terms. You shall limit access to and disclosure of our Confidential Information (including the Service and Content) to its own employees strictly with a “need-to-know,” provided that such employees have executed an agreement with you with confidentiality provisions at least as restrictive as those contained herein. You shall immediately notify us upon learning of any breach of this Section 16. We shall not disclose any of your Confidential Information, except to exercise our rights and perform our obligations under these Terms, and to our advisors or prospective investors or purchasers subject to a written obligation of confidentiality. Each party will take reasonable measures to protect the secrecy of, and avoid unauthorized disclosure and use of, the Confidential Information of the other party. A Receiving Party will use reasonable efforts to provide timely notice of compelled disclosure to facilitate confidential treatment of Disclosing Party’s Confidential Information, and will furnish only that portion of Confidential Information that it is legally required to disclose, after exercising reasonable efforts to obtain assurance that such information will receive confidential treatment.
    3. Publicity. If you register for an account to use the Service, you agree that we may disclose that you are a customer of ours, and may include your name and logo in any lists of customers on the Site and in other marketing collateral and press releases.
17. Changes to these Terms. We may make changes to these Terms from time to time. If we make any material changes, we will notify you by sending you an email to the last email address you provided to us (if any) and/or by prominently posting notice of the changes on the Site or the Service. Upon receiving notice of a material change to these Terms, To the extent that Subscriber is negatively impacted by such changes, Subscriber may terminate any Orders or SOWs that are subject to these Terms by providing Signifyd with written notice of its intent to terminate prior to the end of the thirty (30) day period and such termination shall be effective on the first day following the thirty (30) day period. Any changes to these Terms will be effective, in the event there is not an effective date expressly established, upon the earlier of thirty calendar days following our dispatch of an email notice to you (if applicable) or thirty calendar days following our posting of notice of the changes on the Site or the Service. These changes will be effective immediately for new users of our Site and our Service. Users of our Service are responsible for providing us with their most current email address. In the event that the last email address that you have provided us is not valid, or for any reason is not capable of delivering to you the notice described above, our dispatch of the email containing such notice will nonetheless constitute effective notice of the changes described in the notice. Continued use of the Site or the Service following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.
18. Consent to Electronic Communications. By using the Site or the Service, you consent to receiving electronic communications from us. These communications may include notices about your account and information concerning or related to the Site and the Service. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including that such communications be in writing.
19. Miscellaneous. Our failure to act in a particular circumstance does not waive our ability to act with respect to that circumstance or similar circumstances. Any provision of these Terms that is found to be invalid, unlawful, or unenforceable will be severed from these Terms, and the remaining provisions of these Terms will continue to be in full force and effect. The section headings and titles in these Terms are for convenience only and have no legal or contractual effect and the terms “including,” “including but not limited to,” and “including without limitation” as used in these Terms mean by way of example and not of limitation. You will not transfer or assign these Terms, directly or indirectly, to another person without our prior written consent. Nothing express or implied in these Terms is intended to confer upon any entity other than the parties and their respective successors and assigns any rights, remedies, obligations, or liabilities whatsoever. We will not be liable for any delay or non-performance of our obligations under these Terms due to any cause beyond our control. These Terms are governed by the laws of the State of California, excluding conflicts of laws principles. Any controversy or claim arising out of or relating to the Site, the Service, or these Terms must be commenced by you in the State of California within one year after the claim arose. If a lawsuit or court proceeding is permitted under these Terms, you consent to the exclusive personal and subject matter jurisdiction of the state and federal courts located in Santa Clara County, California, and unconditionally waive to the extent permitted by applicable law: (a) any objection that you might now or hereafter have to the venue of any such court in any action so instituted under these Terms and (b) any claim that any action or proceeding so brought in any such court has been brought in an inconvenient forum. The Parties expressly waive to any other applicable Law or Jurisdiction that it may apply to them by virtue of their current or future domicile, and because of this the Parties expressly submit themselves to the applicable Law and Jurisdiction established herein. These Terms, together with all Orders and SOWs and including the Acceptable Use Policy, all exhibits, schedules and other documents incorporated by reference into these Terms and/or the Orders (i) constitute the entire agreement between you and Signifyd concerning the Site, the Service, and any Content and (ii) supersede all prior agreements or communications between you and Signifyd regarding the subject matter of these Terms, unless you and Signifyd have entered into a master subscription agreement, in which case the master subscription agreement, and not these Terms, will govern your access to and use of the applicable Service or portion thereof.
20. Dispute Resolution and Arbitration.
    1. Generally. In the interest of resolving disputes between you and Signifyd in the most expedient and cost effective manner, you and Signifyd agree that every dispute arising in connection with these Terms will be resolved by binding arbitration. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. Our agreement to arbitrate disputes includes all claims arising out of or relating to any aspect of these Terms, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of these Terms. YOU UNDERSTAND AND AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND SIGNIFYD ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION AND EXPRESSLY SUBMITING YOURSELF TO THIS JURISDICTION AS PROVIDED HEREIN.
    2. Exceptions. Despite the provisions of the paragraph directly above, we both agree that nothing in these Terms will be deemed to waive, preclude, or otherwise limit the right of either of us to: (a) bring an individual action in small claims court; (b) pursue an enforcement action through the applicable federal, state, or local agency if that action is available; (c) seek injunctive relief in a court of law; or (d) to file suit in a court of law to address an intellectual property infringement claim.
    3. Arbitrator. Any arbitration between you and Signifyd will be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, “AAA Rules”) of the American Arbitration Association (“AAA”), as modified by these Terms, and will be administered by the AAA. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA at 1-800-778-7879, or by contacting Signifyd.
    4. Notice; Process. A party who intends to seek arbitration must first send a written notice of the dispute to the other, by certified mail or Federal Express (signature required), or if we do not have a physical address on file for you, by electronic mail (“Notice”). Signifyd’ address for Notice is: Signifyd Inc., 99 Almaden Blvd., 4th floor, San Jose, CA 95113. The Notice must: (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought (“Demand”). We agree to use good faith efforts to resolve the claim directly, but if we do not reach an agreement to do so within 30 days after the Notice is received, you or Signifyd may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by you or Signifyd must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any. If our dispute is finally resolved through arbitration in your favor, Signifyd will pay you the highest of the following: (i) the amount awarded by the arbitrator, if any; (ii) the last written settlement amount offered by Signifyd in settlement of the dispute prior to the arbitrator’s award; or (iii) $1,000.
    5. Fees. If you commence arbitration in accordance with these Terms, Signifyd will reimburse you for your payment of the filing fee, unless your claim is for more than $10,000, in which case the payment of any fees will be decided by the AAA Rules. Any arbitration hearing will take place at a location to be agreed upon in San Francisco County, California, but if the claim is for $10,000 or less, you may choose whether the arbitration will be conducted: (a) solely on the basis of documents submitted to the arbitrator; (b) through a non-appearance based telephone hearing; or (c) by an in-person hearing as established by the AAA Rules in the county (or parish) of your billing address. If the arbitrator finds that either the substance of your claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all fees will be governed by the AAA Rules. In that case, you agree to reimburse Signifyd for all monies previously disbursed by it that are otherwise your obligation to pay under the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator must issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within 14 days of the arbitrator’s ruling on the merits.
    6. No Class Actions. YOU AND SIGNIFYD AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Signifyd agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding.
    7. Modifications. If Signifyd makes any future change to this arbitration provision (other than a change to our address for Notice), you may reject the change by sending us written notice within 30 days of the change to our address for Notice, in which case your account with Signifyd will be immediately terminated and this arbitration provision, as in effect immediately prior to the amendments you reject will survive.
    8. Enforceability. If Section 20.7 is found to be unenforceable or if the entirety of this Section 20 is found to be unenforceable, then the entirety of this Section 20 will be null and void and, in that case, the parties agree that the exclusive jurisdiction and venue described in Section 19 will govern any action arising out of or related to these Terms.
21. Contact Information. Disclosures. The Services are offered by Signifyd Inc., located at 99 Almaden Blvd., 4th floor, San Jose, CA 95113. If you have any questions or concerns about these Terms, the Site, or the Service, please send us a thorough description by email via our support portal. If you are a California resident, you may have these Terms mailed to you electronically by sending a letter to the foregoing address with your electronic mail address and a request for these Terms.

Current Terms of Service, since December 17, 2024
Previous Terms of Service:
May 2, 2024 to December 16, 2024
March 21, 2023 to May 1, 2024
December 13, 2022 to March 20, 2023
October 16, 2020 to December 12, 2022
May 14, 2020 to October 9, 2020
January 31, 2020 to May 14, 2020