Last updated September 1, 2023
Welcome to Payable
These terms and conditions form a legal agreement between You and Payable Inc. (“Payable”, “We”, “Us”, “Our”) for access to and the use of Our website, including any content, functionality and services offered on or through Our website (the “Website”) and including, but not limited to, any and all apps, plugins or add-ons created by Us and made available through Google Workspace Marketplace or Microsoft Office or any other software provider, including Pybl.io (also known as Payable Pro) our premium dashboard that lets You connect Your Google Form, Google Sheet and Google Calendar to more advanced booking and payment tools (collectively, the “Products”), together with any documents or additional terms incorporated by reference therein (collectively, the “User Terms”).
By accessing the Website and by installing or using any of the Products, You (“You”, “Your”) accept and agree to be bound and comply with these User Terms and Our Privacy Policy, incorporated in these User Terms.
When You use Our Products, You also agree that We will receive fees through Your payment provider as detailed in these User Terms in the section “Fees and Charges”.
If You do not agree to these User Terms, You must not access or use the Website, or install or use the Products.
In accordance with most payment provider agreements, You must be the legal age of majority where You live to be eligible to use their services and accordingly, to accept and agree to the User Terms. If You are not the legal age of majority You must not access or use the Website, or install or use the Products.
We reserve the right in Our sole discretion to revise and update the User Terms, the Website and the Products from time to time. Any and all such updates are effective immediately when We post them and apply to all access to and continued use of the Website and the Products. You agree to periodically review the User Terms to check for updates and Your continued access and use shall be Your acceptance of these updates. We recommend that You review these frequently to stay apprised of any changes.
The information and material on the Website and the Products may be changed, withdrawn, or terminated at any time in Our sole discretion without notice. We will not be liable if, for any reason, all or any part of the Website is restricted to users or unavailable at any time or for any period.
Please read Our Privacy Policy. By submitting Your personal information and using Our Website or Products, You acknowledge that the collection, use, reproduction, hosting, transmission, and disclosure of any such user content submissions in compliance with Our Privacy Policy.
As part of Our commitment to maintaining a clean and efficient platform, We reserve the right to periodically remove or delete certain information made available by You in relation to Our Products when it is no longer needed for the purposes for which it was collected. By using Our Products, You acknowledge and agree that, to the maximum extent permitted by applicable law, We may remove or delete information once it is no longer necessary for us to retain it, or as permitted or required by applicable law.
We employ the use of cookies. By accessing Payable, You agreed to use cookies in agreement with the Payable Inc.'s Privacy Policy.
Most interactive websites use cookies to let Us retrieve the user’s details for each visit. Cookies are used by Our Website to enable the functionality of certain areas to make it easier for people visiting Our Website. Some of Our affiliate/advertising partners may also use cookies.
You acknowledge and agree that by using Our Products and pursuant to the terms of the agreement you have with Your payment provider, You authorize and expressly permit Us to instruct Your payment service provider to deduct from Your transaction and remit to Us the fees or other amounts owed to Us under the User Terms. To facilitate such payments, you authorize Us to share relevant information about Your business and use of Our Products with Your payment provider, including transaction-related information. In the event Your payment provider is unable to deduct the fees and other amounts owed to Us, We may bill You directly for such amounts. You may be responsible for any applicable fees or other charges related to Our Products if the amount of funds payable to You by Your customers after payment settlement is insufficient to cover Our fees or other amounts owed to Us. You understand that We are not responsible for fees charged by payment processors (including, PayPal, Square, Stripe, Rapyd, RazorPay) and We have no involvement in setting or administrating charges related to merchant services. You may experience charge-backs like with any electronic payment. We reserve the right to update, change, and add fees associated with Our Products at any point given email notice of changes to You.
Unless otherwise noted herein, all fees and charges for Our Product are quoted in the currency of Your transaction with Your customer, provided that the currency is in Canadian dollars (CAD), US dollars (USD), Euros (EUR), British Pound Sterling (GBP), or Swiss Francs (CHF). Any other foreign currencies will be charged in a Canadian dollar (CAD) equivalent using the previous year’s Bank of Canada average FX rate . Our fees and charges do not include other foreign fees, including but not limited to transaction fees, currency conversion fees, or bank charges. Please be aware that exchange rates may fluctuate and additional fees may be imposed by Your financial institution or payment provider. It is Your responsibility to review and understand any potential fees associated with foreign transactions. By using Our Products, You agree to be responsible for any such fees and charges.
The following fees will be payable for each transaction processed using the Products:
See the Platform Cost Calculator for examples by currency.
The following fees will be payable if and to the extent You use the following Products:
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All orders or transactions for the sale of goods, or services, or information You make using the Products remain subject to these User Terms and to the terms and conditions of the payment processor You use to process Your orders or transactions. We are in no way responsible for Your compliance with any third-party terms and conditions or Your compliance with the laws that apply to Your activities.
As a condition of Your access and use, You agree that You may access and use the Website and Products only for lawful purposes and in accordance with these User Terms and the terms of Your agreements with Your payment providers.
We reserve the right at any time and from time to time, to disable or terminate Your ability to use the Products, Your account, any username, password, or other identifier, whether chosen by You or provided by us, in Our sole discretion for any or no reason, including any violation of any provision of these User Terms.
You agree not to take any action that might compromise the security of the Website or render the Website inaccessible to others or otherwise cause damage to the Website or its contents or our general business. You agree not to use the site for any purpose prohibited in the User Terms and in any manner that might interfere with the rights of others.
The following content standards apply to any and all content, material, and information a user submits, posts, publishes, displays, or transmits (collectively, "submit") to the Website or the Products, to other users or other persons (collectively, "User Submissions") and any and all Interactive Functions. Any and all User Submissions must comply with all applicable federal, provincial, local, and international laws, regulations, and terms of service.
Without limiting the foregoing, You warrant and agree that Your use of the Website, Products and any User Submissions shall not:
The security of Your personal information is very important to us. We use physical, electronic, and administrative measures designed to secure Your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure.
The safety and security of Your information also depends on You. You are responsible for preventing unauthorized use of Your electronic devices, passwords and internet access.
Unfortunately, the transmission of information via the Internet is not completely secure. Although We do Our best to protect Your personal information, We cannot guarantee the security of Your personal information that You share with us. Any transmission of personal information is at Your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website or through Your use of the Products.
Any information You share through any functionality of the Website or Products (collectively, "Interactive Functions") constitutes Your consent to all actions We take with respect to such information consistent with Our Privacy Policy.
Any username, password, or any other piece of information chosen by You, or provided to You as part of Our security procedures, must be treated as confidential, and You must not disclose it to any other person or entity. You must exercise caution when accessing Your account from a public or shared computer so that others are not able to view or record Your password or other personal information. You understand and agree that should You be provided an account, Your account is personal to You and You agree not to provide any other person with access to this account using Your username, password, or other security information. You agree to notify Us immediately of any unauthorized access to or use of Your username or password or any other breach of security. You also agree to ensure that You logout from Your account at the end of each session. You are responsible for any password misuse or any unauthorized access.
You are prohibited from attempting to circumvent and from violating the security of the Website, including, without limitation: (a) accessing content and data that is not intended for You; (b) attempting to breach or breaching the security and/or authentication measures which are not authorized; (c) restricting, disrupting or disabling service to users, hosts, servers, or networks; (d) illicitly reproducing TCP/IP packet header; (e) disrupting network services and otherwise disrupting Website owner's ability to monitor the Website; (f) using any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website; (g) introducing any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful; (h) attacking the Website via a denial-of-service attack, distributed denial-of-service attack, flooding, mailbombing, or crashing; and (i) otherwise attempting to interfere with the proper working of the Website.
You understand and agree that the Website and Products and their entire contents, features, and functionality, including, but not limited to, all information, software, code, data text, displays, graphics, photographs, images, video, audio, music, broadcast, design, presentation, website layout, selection, and arrangement, are owned by the Company, its licensors, or other providers of such material and are protected in all forms by intellectual property laws including without limitation, copyright, trademark, patent, trade secret, and any other proprietary rights.
The Payable name, logo, and all related names, logos, product and service names, designs, images, and slogans are trademarks of Payable Inc. You must not use such marks without Our prior written permission. Other names, logos, product and service names, designs, images, and slogans mentioned, or which appear on this Website are the trademarks of their respective owners. Use of any such property, except as expressly authorized, shall constitute an infringement or violation of the rights of the property owner and may be a violation of federal or other laws and could subject the infringer to legal action.
You shall not directly or indirectly reproduce, compile for an internal database, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on Our Website, in any form or medium whatsoever except:
Users are not permitted to modify copies of any materials from the Website or Products nor delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this site. You must not access or use for any commercial purposes any part of the Website or any Products or materials available through the Website.
If You print off, copy, or download any part of Our Website or Products in breach of these User Terms, Your right to use the Website or Products will cease immediately and You must, at Our option, return or destroy any copies of the materials You have made. You have no right, title, or interest in or to the Website or the Products or to any content on the Website, and all rights not expressly granted are reserved by Payable Inc. Any use of the Website or Products not expressly permitted by these User Terms is a breach of these User Terms and may infringe or violate copyright, trademark, and other intellectual property or other proprietary laws.
Unless otherwise stated, Payable and/or its licensors own the intellectual property rights for all material on Payable. All intellectual property rights are reserved. You may access this from Payable for Your own personal use subjected to restrictions set in these terms and conditions.
You must not:
Parts of this Website offer an opportunity for users to post and exchange opinions and information in certain areas of the Website. Payable Inc. will monitor but does not filter, edit, publish or review Comments prior to their presence on the Website. Comments do not reflect the views and opinions of Payable, its agents and/or affiliates. Comments reflect the views and opinions of the person who post their views and opinions. To the extent permitted by applicable laws, Payable Inc. shall not be liable for the Comments or for any liability, damages or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this Website.
Payable reserves the right to monitor all Comments and to remove any Comments which can be considered inappropriate, offensive or causes breach of these Terms and Conditions.
You warrant and represent that:
You hereby grant Payable Inc. a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of Your Comments in any and all forms, formats or media.
The following organizations may link to Our Website without prior written approval:
These organizations may link to Our home page, to publications or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.
We may consider and approve other link requests from the following types of organizations:
We will approve link requests from these organizations if We decide that: (a) the link would not make Us look unfavorably to Ourselves or to Our accredited businesses; (b) the organization does not have any negative records with Us; (c) the benefit to Us from the visibility of the hyperlink compensates the absence of Payable Inc.; and (d) the link is in the context of general resource information.
These organizations may link to Our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.
If You are one of the organizations listed in paragraph 2 above and are interested in linking to Our Website or Products, You must inform Us by sending an e-mail to Payable Inc. Please include Your name, Your organization name, contact information as well as the URL of Your site, a list of any URLs from which You intend to link to Our Website, and a list of the URLs on Our site to which You would like to link. Please wait 2-3 weeks for a response.
Approved organizations may hyperlink to Our Website as follows:
No use of Payable Inc.'s logo or other artwork will be allowed for linking absent a trademark license agreement.
For Your convenience, this Website may provide links or pointers to third-party sites. We make no representations about any other websites that may be accessed from this Website. If You choose to access any such sites, You do so at Your own risk. We have no control over the contents of any such third-party sites and accept no responsibility for such sites or for any loss or damage that may arise from Your use of them. You are subject to any terms and conditions of such third-party sites.
You may not create a link to any part of Our Website other than the homepage. We reserve the right to withdraw linking permission without notice. You agree to cooperate with Us in causing any unauthorized framing or linking to immediately stop.
Our Website must not be framed on any other site. Without prior approval and written permission, You may not create frames around Our webpages that alter in any way the visual presentation or appearance of Our Website.
We shall not be hold responsible for any content that appears on Your website. You agree to protect and defend Us against all claims that is rising on Your website. No link(s) should appear on any website that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.
We reserve the right to request that You remove all links or any particular link to Our Website. You approve to immediately remove all links to Our Website upon request. We also reserve the right to amend these terms and conditions and it’s linking policy at any time. By continuously linking to Our Website, You agree to be bound to and follow these User Terms.
To the maximum extent permitted by applicable law, We exclude all representations, warranties and conditions relating to Our Website and the use of this Website. Nothing in this disclaimer will:
The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.
As long as the Website and the information and Products on the Website are provided free of charge, We will not be liable for any loss or damage of any nature.
The Website and Products may contain Interactive Functions allowing User Submissions on or through the Website and Products.
None of the User Submissions You submit to the Website or Products will be subject to any confidentiality by the Company. By providing any User Submission to the Website or Products, You grant Us and Our service providers, and each of their and Our respective licensees, successors, and assigns the right to a world-wide, royalty free, perpetual, irrevocable, non-exclusive licence to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose and according to Your account settings and/or incorporate such material into any form, medium or technology throughout the world without compensation to You. You further waive any moral rights or other rights of authorship as a condition of submitting any User Submission.
By submitting the User Submissions, You declare and warrant that You own or have the necessary rights to submit the User Submissions and have the right to grant the licence hereof to Us and Our service providers, and each of their and Our respective licensees, successors, and assigns to the User Submissions and comply with these User Terms. You represent and warrant that all User Submissions comply with applicable laws and regulations and the User Submissions and Site Content Standards set out in these User Terms.
You understand and agree that You, not the Company nor Company's parent, subsidiaries, affiliates nor their respective directors, officers, employees, agents, service providers, contractors, licensors, suppliers, or successors, are fully responsible for any User Submissions You submit or contribute, and You are fully responsible and legally liable, including to any third party, for such content and its accuracy. We are not responsible or legally liable to any third party for the content or accuracy of any User Submissions submitted by You or any other user of the Website or Products.
We have no obligation, nor any responsibility to any party to monitor the Products or their use, and do not and cannot undertake to review material that You or other users through the Products. We cannot ensure prompt removal of objectionable material after it has been shared and We have no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party, subject to applicable laws.
The content on Our Website is provided for general information purposes only. It is not intended to amount to advice on which You should rely. You must obtain more specific or professional advice before taking, or refraining from, any action or inaction on the basis of the content on Our site.
YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE WEBSITE, THE PRODUCTS, ITS CONTENT, AND ANY SERVICES OR ITEMS IS AT YOUR OWN RISK. OUR WEBSITE AND PRODUCTS, ITS CONTENT, AND ANY SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS'' AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
NEITHER THE COMPANY NOR ITS PARENT, SUBSIDIARIES, AFFILIATES, OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, CONTRACTORS, LICENSORS, LICENSEES, SUPPLIERS, OR SUCCESSORS MAKE ANY WARRANTY, REPRESENTATION, OR ENDORSEMENT WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, SUITABILITY, ACCURACY, CURRENCY, OR AVAILABILITY OF THE WEBSITE, THE PRODUCTS OR ITS CONTENTS. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ITS PARENT, SUBSIDIARIES, AFFILIATES OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, CONTRACTORS, LICENSORS, LICENSEES, SUPPLIERS, OR SUCCESSORS REPRESENT OR WARRANT THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
WE CANNOT AND DO NOT GUARANTEE OR WARRANT THAT FILES OR DATA AVAILABLE FOR DOWNLOADING FROM THE INTERNET OR THE WEBSITE WILL BE FREE OF VIRUSES OR OTHER DESTRUCTIVE CODE. YOU ARE SOLELY AND ENTIRELY RESPONSIBLE FOR YOUR USE OF THE WEBSITE AND YOUR COMPUTER, INTERNET, AND DATA SECURITY. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY DENIAL-OF-SERVICE ATTACK, DISTRIBUTED DENIAL-OF-SERVICE ATTACK, OVERLOADING, FLOODING, MAILBOMBING, OR CRASHING, VIRUSES, TROJAN HORSES, WORMS, LOGIC BOMBS, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.
EXCEPT WHERE SUCH EXCLUSIONS ARE PROHIBITED BY LAW, UNDER NO CIRCUMSTANCE WILL THE COMPANY NOR ITS PARENT, SUBSIDIARIES, AFFILIATES OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, CONTRACTORS, LICENSORS, LICENSEES, SUPPLIERS, OR SUCCESSORS BE LIABLE FOR NEGLIGENCE, GROSS NEGLIGENCE, NEGLIGENT MISREPRESENTATION, FUNDAMENTAL BREACH, DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, BREACH OF PRIVACY, OR OTHERWISE, EVEN IF THE PARTY WAS ALLEGEDLY ADVISED OR HAD REASON TO KNOW, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, OR RELIANCE ON, THE WEBSITE, ANY LINKED WEBSITES OR SUCH OTHER THIRD-PARTY WEBSITES, NOR ANY WEBSITE CONTENT, MATERIALS, POSTING, OR INFORMATION THEREON EVEN IF THE PARTY WAS ALLEGEDLY ADVISED OR HAD REASON TO KNOW.
To the maximum extent permitted by applicable law, You agree to defend, indemnify, and hold harmless the Company, its parent, subsidiaries, affiliates, and their respective directors, officers, employees, agents, service providers, contractors, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to Your breach of these User Terms or Your use of the Website, including, but not limited to, Your User Submissions, third-party sites, any use of the Website or Products other than as expressly authorized in these User Terms.
The owner of the Website is based in Ontario in Canada. You are responsible for compliance with local laws of Your jurisdiction.
The Website and these Terms and Conditions will be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without giving effect to any choice or conflict of law provision, principle, or rule (whether of the laws of the Province of Ontario or any other jurisdiction) and notwithstanding Your domicile, residence, or physical location.
Any action or proceeding arising out of or relating to this Website or the Products and under these User Terms will be instituted in the courts of the Province of Ontario and/or the Federal Court of Canada, and each party irrevocably submits to the exclusive jurisdiction of such courts in any such action or proceeding. You waive any and all objections to the exercise of jurisdiction over You by such courts and to the venue of such courts.
Except as otherwise set forth in this Agreement, no failure to exercise, or delay in exercising, any right, remedy, power, or privilege arising from these User Terms operates, or may be construed, as a waiver thereof; and no single or partial exercise of any right, remedy, power, or privilege hereunder precludes any other or further exercise thereof or the exercise of any other right, remedy, power, or privilege.
If any term or provision of these User Terms is invalid, illegal, or unenforceable in any jurisdiction, such invalidity, illegality, or unenforceability shall not affect any other term or provision of these User Terms or invalidate or render unenforceable such term or provision in any other jurisdiction.
These User Terms and Our Privacy Policy constitute the sole and entire agreement between You and Payable Inc. regarding the Website and supersedes all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, regarding such subject matter.
This Website is operated by Payable Inc., 6D - 7398 Yonge St 1164, Thornhill, ON L4J8J2, Canada
Should You become aware of misuse of the Website or the Products, You must report it to Us [email protected].
All other feedback, comments, requests for technical support, and other communications relating to the Website or the Products should be directed to [email protected].
