Terms of Service

Last updated: December 28, 2025

Please read these Terms of Service ("Terms", "Terms of Service") carefully before using the PayItNow24 website and services (the "Service") operated by CreativeHi Inc. ("us", "we", or "our").

1. Acceptance of Terms

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

2. Accounts

When you create an account with us, you must provide us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a third-party service.

3. Payment Orchestration

PayItNow24 provides technical routing and orchestration services. We are not a bank, payment institution, or money transmitter. You are solely responsible for your relationship with underlying payment gateways and financial institutions, including compliance with their specific terms of service.

4. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of CreativeHi Inc. and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries.

5. Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

6. Limitation of Liability

In no event shall CreativeHi Inc., nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.

7. Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

8. Contact Us

If you have any questions about these Terms, please contact us at legal@payitnow24.com.