1. About Direkta

Direkta provides technology and infrastructure designed to help businesses manage and optimize digital payment operations and related financial workflows.

The specific Services available to you may depend on the products, features, agreements, and services applicable to your account.

Certain Services may also be subject to additional terms, agreements, policies, or requirements. Where applicable, those terms will form part of your agreement with Direkta.

2. Eligibility

You may use the Services only if you are legally capable of entering into a binding agreement under applicable law.

If you use the Services on behalf of a business or organization, you confirm that:

You have authority to represent that organization;
The information you provide is accurate and complete;
You will comply with these Terms and applicable laws; and
You are responsible for the actions of users accessing the Services through your organization.

Direkta reserves the right to refuse access to the Services where permitted by law.

3. Accounts and Access

Certain features may require you to create an account.

You are responsible for:

Providing accurate and current information;
Maintaining the confidentiality of your credentials;
Restricting unauthorized access to your account;
Keeping your account information up to date; and
All activity conducted through your account, except where caused by Direkta's failure to meet its obligations.

You must notify Direkta promptly if you believe that your account has been compromised or accessed without authorization.

Direkta may suspend or restrict access to an account when reasonably necessary to protect the Services, users, or our systems.

4. Use of the Services

You agree to use the Services only for lawful business purposes and in accordance with these Terms.

You must not:

Use the Services for illegal, fraudulent, deceptive, or abusive activities;
Attempt to gain unauthorized access to the Services or related systems;
Interfere with the security, availability, or operation of the Services;
Introduce malicious software, viruses, or harmful code;
Reverse engineer, decompile, disassemble, or attempt to discover the source code of the Services, except where expressly permitted by law;
Copy, reproduce, resell, or commercially exploit the Services without authorization;
Use automated systems to access the Services in a manner that could damage or impair their operation;
Circumvent security measures or access restrictions;
Use the Services to violate the rights of another person or organization; or
Use the Services in a manner that could reasonably expose Direkta or its partners to legal, regulatory, or financial risk.

5. Payment and Financial Services

Where the Services involve payment processing, financial transactions, or related services, those activities may involve third-party payment processors, financial institutions, acquiring banks, card networks, or other service providers.

Direkta may provide technology and infrastructure that facilitates these activities but does not necessarily act as a bank, card issuer, acquiring institution, payment network, or financial institution.

Certain payment-related services may be governed by additional agreements, third-party terms, regulatory requirements, or network rules.

You are responsible for ensuring that your use of payment-related Services complies with all applicable laws, regulations, industry requirements, and contractual obligations.

6. Fees and Payments

Certain Services may be subject to fees.

Where applicable, pricing, billing arrangements, payment terms, and applicable taxes will be communicated to you through an order form, commercial agreement, subscription plan, invoice, or other applicable documentation.

Unless otherwise agreed:

Fees are based on the Services purchased or used;
You are responsible for applicable taxes and governmental charges;
Fees are generally non-refundable except where expressly stated otherwise; and
Failure to pay applicable fees may result in suspension or termination of access.

Direkta reserves the right to modify pricing for future purchases or subscription periods, subject to applicable contractual requirements.

7. Intellectual Property

The Services, including the Direkta website, software, technology, interfaces, designs, trademarks, logos, documentation, content, and other materials, are owned by or licensed to Direkta and are protected by applicable intellectual property laws.

Except as expressly permitted under these Terms, you may not:

Copy or reproduce the Services;
Modify or create derivative works;
Distribute or publicly display our proprietary materials;
Remove copyright, trademark, or proprietary notices;
License, sell, lease, or transfer access to the Services; or
Use Direkta's trademarks or branding without prior written authorization.

These Terms do not transfer ownership of any intellectual property from Direkta to you.

8. Your Content and Data

You may provide information, data, documents, configurations, or other materials when using the Services (“Customer Data”).

You retain ownership of your Customer Data.

You grant Direkta the limited rights necessary to host, process, transmit, store, and otherwise use Customer Data solely to provide, maintain, secure, support, and improve the Services, or as otherwise permitted by your agreement with Direkta.

You represent that you have the necessary rights and permissions to provide Customer Data to Direkta and authorize its processing as contemplated by the Services.

9. Privacy

Your use of the Services is also subject to our Privacy Policy, which explains how Direkta collects, uses, stores, and protects personal information.

Our Privacy Policy forms part of these Terms.

10. Third-Party Services

The Services may integrate with or depend on third-party services, platforms, payment providers, software, APIs, or infrastructure.

Third-party services may be subject to their own terms and privacy policies.

Direkta is not responsible for the availability, functionality, security, or performance of third-party services that are outside our reasonable control.

If you choose to connect a third-party service to Direkta, you authorize Direkta to exchange the information reasonably necessary to provide the requested integration.

11. Service Availability

We strive to keep the Services available and reliable, but we do not guarantee that they will always be uninterrupted, error-free, or available at all times.

The Services may occasionally be unavailable because of:

Scheduled maintenance;
Emergency maintenance;
Technical failures;
Internet or telecommunications problems;
Third-party service interruptions;
Security incidents;
Events beyond our reasonable control; or
Other circumstances affecting the operation of the Services.

Where commercially reasonable, we may provide notice of significant planned interruptions.

12. Modifications to the Services

Direkta may modify, update, improve, suspend, or discontinue features of the Services from time to time.

We may introduce new functionality, modify existing functionality, or remove features where reasonably necessary to improve the Services, maintain security, comply with legal requirements, or respond to technological changes.

Where a material change substantially affects a paid Service, Direkta will provide notice where required by applicable agreement or law.

13. Confidentiality

Each party may receive confidential or proprietary information from the other party in connection with the Services.

The receiving party agrees to:

Use confidential information only for purposes related to the applicable business relationship;
Protect it using reasonable measures; and
Not disclose it to unauthorized third parties except where permitted or required by law.

Confidential information does not include information that is publicly available, independently developed, lawfully received from another source, or becomes public without violation of these Terms.

Where the parties have entered into a separate confidentiality agreement, that agreement will govern to the extent of any conflict.

14. Security

Direkta implements reasonable technical and organizational measures designed to protect the Services and information processed through them.

However, no online service or security system can guarantee absolute security.

You are responsible for maintaining appropriate security practices for your systems, accounts, credentials, users, and integrations.

15. Disclaimers

To the maximum extent permitted by applicable law, the Services are provided on an “as is” and “as available” basis.

Direkta does not warrant that:

The Services will always meet your specific requirements;
The Services will be uninterrupted or error-free;
All information provided through the Services will always be complete or accurate;
The Services will be available in every jurisdiction; or
All integrations or third-party services will remain available.

Direkta does not provide legal, tax, accounting, investment, or financial advice through the Services.

You are responsible for obtaining appropriate professional advice regarding your business and regulatory obligations.

16. Limitation of Liability

To the maximum extent permitted by applicable law, Direkta and its affiliates, officers, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, business opportunities, goodwill, data, or anticipated savings arising from or related to your use of the Services.

To the extent permitted by law, Direkta's total aggregate liability arising out of or relating to the Services or these Terms will be limited to the amount of fees actually paid by you to Direkta for the Services giving rise to the claim during the twelve (12) months preceding the event giving rise to the liability.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.

17. Indemnification

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Direkta, its affiliates, officers, employees, contractors, and service providers from claims, liabilities, damages, losses, costs, and expenses arising from:

Your violation of these Terms;
Your unlawful or unauthorized use of the Services;
Your Customer Data;
Your violation of applicable laws or regulations; or
Your infringement of the rights of another person or entity.

Direkta will provide reasonable notice of any applicable claim and may participate in the defense with counsel of its choice.

18. Suspension and Termination

You may stop using the Services at any time, subject to any applicable contractual obligations.

Direkta may suspend or terminate access to the Services if:

You materially breach these Terms;
You fail to pay applicable fees;
Your use creates a security or legal risk;
Your account is involved in suspected fraudulent or unlawful activity;
Suspension is necessary to comply with applicable law; or
The Services are discontinued.

Where reasonably possible and legally permitted, Direkta will provide notice before terminating or suspending access for a breach and provide an opportunity to address the issue.

Upon termination, your right to use the Services will end.

Sections that by their nature should survive termination, including intellectual property, confidentiality, disclaimers, limitations of liability, indemnification, and governing law, will remain in effect.

19. Compliance With Laws

You agree to use the Services in compliance with all applicable laws and regulations.

Depending on the nature of your business and transactions, these obligations may include laws and regulations relating to payments, financial services, consumer protection, privacy, data protection, anti-money laundering, sanctions, fraud prevention, and taxation.

Direkta may take reasonable measures to comply with legal, regulatory, or network requirements, including restricting or refusing certain transactions or uses of the Services.

20. Changes to These Terms

We may update these Terms from time to time.

When changes are made, we will update the Effective Date displayed at the beginning of these Terms.

If we make material changes, we may provide additional notice where required by applicable law or agreement.

Your continued use of the Services after the updated Terms become effective constitutes acceptance of the revised Terms, to the extent permitted by law.

21. Governing Law and Dispute Resolution

These Terms will be governed by the laws of [Jurisdiction], without regard to its conflict-of-law principles, unless applicable law requires otherwise.

Any dispute arising out of or relating to these Terms or the Services will be resolved in accordance with the applicable laws and procedures of the relevant jurisdiction.

Where required, the parties may first attempt to resolve disputes through good-faith negotiations before pursuing formal legal proceedings.

Note: The jurisdiction and dispute-resolution mechanism should be finalized based on Direkta's legal entity and principal place of business before publication.

22. General Provisions

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

Failure by Direkta to enforce any provision of these Terms does not constitute a waiver of our right to enforce that provision later.

You may not assign or transfer your rights or obligations under these Terms without our prior written consent, except where permitted in connection with a merger, acquisition, or sale of substantially all of your assets.

Direkta may assign these Terms as part of a corporate restructuring, merger, acquisition, financing, or sale of assets.

These Terms, together with any applicable agreements, policies, and additional terms referenced herein, constitute the agreement between you and Direkta regarding your use of the Services.

23. Contact Us

If you have questions about these Terms or the Services, please contact us:

Direkta.io
Website: https://direkta.io
Email: info@direkta.io