Terms of Use

These Payflow Terms of Service (“Terms of Service”) represent a legal agreement between Company and Payflow and govern your use of the Services with Payflow.

Payflow offers various services ("Services") to business customers through the Platform. By using the Platform, you consent to these Terms of Service. You also consent to receive all Notices and communications from Payflow electronically. These Terms of Service include this document and any terms, agreements, and policies referenced herein, including Payflow’s Privacy Policy. We may update these Terms of Service and any terms, agreements, or policies incorporated by reference at any time by delivering Notice, and your continued use of the Platform will constitute acceptance of the updated terms.

As described in and subject to these Terms of Service, you understand that you may authorize Company individuals as authorized Users.

Capitalized terms used in these Terms of Service have the meaning provided in Section 3.

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1. Payflow Platform

1.1  Services

The Services allow you to perform various financial analyses; create bespoke reports and forecasts; access, pull, and connect Third-Party Services and Linked Accounts through your Payflow Account; and access other functionality through your Payflow Account. Payflow may change or provide new Services but will not materially diminish or remove Services without Notice except where necessitated by a Third-Party Service Provider or required by law.

1.2 Eligibility

Only companies organized and registered in the United States may open a Payflow Account and use the Services. Individual consumers, unincorporated partnerships, and companies organized and registered outside the United States are not permitted to use or attempt to open or use a Payflow Account or the Services.

1.3 Requirements

Company Representations and Warranties

By opening a Payflow Account, the Company and the natural person opening the account represents and warrants in an individual capacity and as an authorized representative of Company that:

• Company is a business entity that is organized, registered, and located in the United States

• Company has a valid U.S. Employer Identification Number (EIN)

• Company is validly existing and in good standing in its jurisdiction of organization

• The Company and the natural person who opens a Payflow Account on Company’s behalf is authorized to provide information about Company, open the account on behalf of Company, enter into binding agreements on behalf of Company, and manage Company’s Payflow Account

• The Company and the natural person who opens a Payflow Account has all necessary rights to provide Company Data to Payflow and expressly authorizes Payflow to use such Company Data to provide the Services and as otherwise set forth in Payflow’s Privacy Policy

• You have reviewed these Terms of Service and the terms, agreements, or policies incorporated by reference

Required Information

You must provide Company Data to open and maintain a Payflow Account and any Services. Company Data may include registered business name, business address, contact information including email and phone number, tax identification number, the nature of the business, financial information, details for your Linked Accounts, and other business information.

1.5 Administrators and Authorized Users

You must specify at least one Administrator to manage your Payflow Account. Administrators must have, and Company represents that any individual designated as an Administrator has, the requisite organizational power and authority to conduct business and manage Company’s Payflow Account. In the event that an individual designated as an Administrator no longer has such requisite organizational power and authority, Company must notify us promptly and designate another Administrator for the Payflow Account.

Administrators can add, remove, or manage additional Administrators and authorized Users;  provide or update Company Data; connect Linked Accounts, Third-Party Services, and other accounts to your Payflow Account; and perform other tasks on Company’s behalf.

Certain Services include additional permission levels and authorizations. If you use these Services, Administrators on your Payflow Account will be able to authorize and assign Users these permission levels and authorizations.

Users

Users may use Company’s Payflow Account and use the Services for business purposes on  Company’s behalf. Users must accept and comply with the Terms of Service.

1.6 Responsibility for Use

Company is responsible and liable for any actions or failure to act on the part of Administrators, Users, and those using Credentials issued to Users to access Company’s Payflow Account as if they were actions or failures to act on the part of Company.

Company is responsible for:

• Ensuring that Users are aware of and agree to abide by the terms of these Terms of Service

• Ensuring that Users are aware of and have reviewed the Privacy Policy and understand how we process information

1.7 Access

Safeguards and Credentials

You will keep your Payflow Account secure and only provide access to individuals that you have authorized to use the Services on your behalf. You will take all reasonable steps to safeguard the privacy, confidentiality, and security of User Credentials.

You will ensure that each User has their own unique set of Credentials, keeps those Credentials secure, does not share those Credentials with any other person or third party, and does not reuse Credentials for other services.

You will not allow any unauthorized person to use the Services. You will immediately disable User access to the Services or limit permissions where you know or suspect your Payflow Account has been compromised or may be misused or where you know or believe a User’s Credentials are compromised or lost; and you will promptly notify us of any unauthorized access or use of your Payflow Account or the Services.

Security Procedures

You are responsible for assessing the security requirements of your business and selecting and implementing Security Procedures appropriate to mitigate your exposure to potential security incidents.

Payflow may provide or suggest that you implement certain Security Procedures in connection with your use of the Services. You understand that your responsibility for the security of your business is not diminished by any Security Procedures that we provide or suggest. You agree to review all of the Security Procedures we suggest and choose those that are appropriate to protect Company against unauthorized transactions. If you believe that the Security Procedures we suggest are insufficient for Company then it is your sole responsibility to independently implement additional controls that meet Company’s needs.

We may update the Security Procedures at any time, and your continued use of the Services constitutes your agreement to the updated Security Procedures. You agree to review the Security Procedures regularly and contact us with any questions about the Security Procedures.

By using the Services, you represent that you have reviewed the Security Procedures and that those you have chosen are commercially reasonable for you to protect against unauthorized transactions. You assume all liability arising from disabling, opting out of, or failing to properly use Security Procedures made available to you or implemented at your discretion.

Disclosures about the Services

Some Services provided by Payflow may require use of other Services. We do this because getting access to some of your Linked Accounts and Third-Party Services may require us to use other Services. We will disclose any such required additional Services to you before you use them.

1.10 Changes to the Services

We may add Services or modify existing Services at any time. Some of these Services will be subject to Additional Terms. You acknowledge and understand that in order to use certain Services, you must agree to the Additional Terms that we will provide separately from these Terms of Service, and which will be incorporated by reference and form a part of these Terms of Service.

We do not guarantee that each of the Services will always be offered to you, that they will be available to you, or that you will qualify or be able to utilize any particular Service. Services will change from time to time, and certain Services may be discontinued or others may be added.

1.12 Identification as Customer

We may publicly reference you as a Payflow customer on our website or in communications during the term of these Terms of Service. We will not express any false endorsement or partnerships. You grant Payflow a limited license to use Company trademarks or service marks for this purpose. Please notify us in writing if you prefer that we not identify you as a Payflow customer and we will remove references to you on our website or in communications.

1.14 Payflow Property and Licenses

Payflow and licensors own all rights, title and interest in and to the Payflow Property. Company, Administrators, and Users may use Payflow Property only as and for the purposes provided in these Terms of Service. You agree not to remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying any Payflow Property. You may not modify, reverse engineer, create derivative works from, or disassemble Payflow Property or register, attempt to register, or claim ownership in Payflow Property or portions of Payflow Property.

Payflow grants you a nonexclusive and nontransferable license to use Payflow Property as provided through the Services and as permitted by these Terms of Service. This license terminates upon termination of these Terms of Service unless terminated earlier by us.

We will not share any Company Data with third parties for marketing unaffiliated products without your consent. Payflow may include De-Identified Data in both public and private reports where such De-Identified Data cannot be reasonably used to identify Company or Users.

You grant Payflow a fully paid, royalty-free, worldwide, nonexclusive, irrevocable license to use, modify, distribute, copy, publicly perform, publicly display and create derivative works from Company Data (in whole or in part) for the purposes identified in these Terms of Service.

1.15 Data

We may use Company Data (a) to provide Services to Company and Users; (b) for development of products and services, including data products; and (c) as otherwise set forth in the Privacy Policy.

We will not share any Company Data with third parties for marketing unaffiliated products without your consent. Where Company Data is shared with third parties, Payflow will implement controls or measures designed to reduce the risk of loss or accidental disclosure.

1.16 Beta Services and Feedback

We sometimes release Beta Services in order to test new products and features, and we may make these Beta Services available to you to get your Feedback. We may change or discontinue Beta Services at any time. Beta Services are confidential until we publicly announce the products or features, and if you use Beta Services, you agree to keep information about the Beta Services confidential. Any Beta Services are provided to you AS IS and without warranty. We may use any Feedback about the Services or Beta Services freely and without restriction. Except where specifically notified by us, we will not compensate or credit you for Feedback you provide to us.

You agree that submission of any Feedback to Payflow through its suggestion, feedback, wiki, forum, or similar pages is at your own risk and that Payflow has no obligations (including without limitation obligations of confidentiality) with respect to such Feedback.  You represent and warrant that you have all rights necessary to submit the Feedback.  You hereby grant to Payflow a fully paid, royalty-free, perpetual, irrevocable, worldwide, and non-exclusive right and license to use, reproduce, perform, display, distribute, adapt, modify, re-format, create derivative works of, and otherwise commercially or non-commercially exploit in any manner, any and all Feedback, and to sublicense the foregoing rights, in connection with the operation and maintenance of the Services and/or Payflow’s business.

1.17 Content

Information provided on our website and in other communications from us is for information purposes only. We believe it to be reliable, but it may not always be entirely accurate, complete or current. We may change or update information from time to time without Notice. You should verify all information on our website and in other communications from us before relying on it. You are solely responsible for all of your decisions based on information provided on our website and in other communications from us, and we have no liability for such decisions.

Information we provide on our website and in other communications to you may contain third-party content or links to third-party sites and applications. We do not control any such third-party content, sites, or applications, and we are not responsible or liable for the availability, accuracy, completeness, or reliability of third-party content or for damages, losses, failures, or problems caused by, related to, or arising from such third-party content or the products or practices of third parties.

1.18 Privacy

Collection, use, and handling of Company Data is described in our Privacy Policy. Please review our Privacy Policy and contact us if you have any questions.

1.19 Changes to these Terms of Service

We may modify these Terms of Service or provide other agreements governing use of the Services or any portion of them by providing you Notice. IF YOU DO NOT AGREE TO THE UPDATED AGREEMENT, YOU MUST STOP USING THE PLATFORM AND ALL SERVICES UPON THE EFFECTIVE DATE OF THE UPDATED AGREEMENT. Otherwise, you or any Administrator’s or User’s continued use of the Services constitutes your consent to the revised Terms of Service.

Any waiver, modification, or indulgence that we provide to Company, of any kind or at any time, applies only to the specific instance involved and will not act as a general waiver or a waiver, modification, or indulgence under these Terms of Service for any other or future acts, events, or conditions. Further, any delay by Payflow in enforcing our rights under these Terms of Service does not constitute forfeiture of such rights.

2. General Provisions

2.1 Limitation of Liability

YOU UNDERSTAND THAT, TO THE FULLEST EXTENT PROVIDED BYLAW, IN NO EVENT WILL PAYFLOW BE LIABLE TO YOU FOR CONSEQUENTIAL, INDIRECT, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, LOST PROFITS, OR LOST REVENUE ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THE PLATFORM, SERVICES, LOST PROFITS OR REPUTATIONAL HARM, PHYSICAL INJURY OR PROPERTY DAMAGE, OR ANY OTHER LOSSES OR HARM ARISING FROM OR RELATED TO THESE TERMS OF SERVICE OR ANY TERMS, AGREEMENTS, OR POLICIES INCORPORATED BY REFERENCE, WHETHER OR NOT WE WERE ADVISED OF THEIR POSSIBILITY BY YOU OR THIRD PARTIES.  THE FOREGOING LIMITATION OF LIABILITY SHALL NOT APPLY TO LIABILITY OF PAYFLOW FOR (I) DEATH OR PERSONAL INJURY CAUSED BY PAYFLOW’S NEGLIGENCE; OR FOR (II) ANY INJURY CAUSED BY PAYFLOW’S FRAUD OR FRAUDULENT MISREPRESENTATION.

TO THE FULLEST EXTENT PROVIDED BY LAW, OUR MAXIMUM LIABILITY TO YOU UNDER THESE TERMS OF SERVICE AND ANY TERMS, AGREEMENTS, OR POLICIES INCORPORATED BY REFERENCE, IS LIMITED TO THE GREATER OF THE TOTAL AMOUNT OF FEES ACTUALLY PAID BY YOU TO PAYFLOW IN THE THREE (3) MONTHS PRECEDING THE EVENT THAT IS THE BASIS OF YOUR CLAIM OR FIVE-THOUSAND U.S. DOLLARS ($5,000). THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY ON WHICH YOUR CLAIM IS BASED. THE FOREGOING CAP ON LIABILITY SHALL NOT APPLY TO LIABILITY OF PAYFLOW FOR (I) DEATH OR PERSONAL INJURY CAUSED BY PAYFLOW’S NEGLIGENCE; OR FOR (II) ANY INJURY CAUSED BY PAYFLOW’S FRAUD OR FRAUDULENT MISREPRESENTATION.

THE LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN YOU AND PAYFLOW.

2.2 Disclaimer of Warranties by Payflow

THE PLATFORM, SERVICES, PAYFLOW PROPERTY, AND BETA SERVICES ARE PROVIDED TO YOU AS IS AND AS AVAILABLE. PAYFLOW DISCLAIMS ALL EXPRESS, IMPLIED, OR STATUTORY WARRANTIES OF TITLE, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE, AND ALL WARRANTIES OF NON-INFRINGEMENT OF THE PLATFORM, SERVICES, PAYFLOW PROPERTY, AND BETA SERVICES. NOTHING IN THESE TERMS OF SERVICE WILL BE INTERPRETED TO CREATE OR IMPLY ANY SUCH WARRANTY TO YOU.

THIRD-PARTY SERVICES ARE NOT PROVIDED OR CONTROLLED BY PAYFLOW. PAYFLOW DOES NOT PROVIDE SUPPORT FOR AND DISCLAIMS ALL LIABILITY ARISING FROM FAILURES OR LOSSES CAUSED BY THIRD-PARTY SERVICES.

PAYFLOW DISCLAIMS ALL WARRANTIES AND DOES NOT GUARANTEE THAT (A) SERVICES AND DATA PROVIDED UNDER THESE TERMS OF SERVICE ARE ACCURATE OR ERROR-FREE; (B) THE SERVICES WILL MEET YOUR SPECIFIC NEEDS OR REQUIREMENTS; (C) THE SERVICES WILL BE USABLE BY COMPANY, ADMINISTRATORS, OR USERS AT ANY PARTICULAR TIME OR LOCATION; (D) SERVICES WILL BE UNINTERRUPTED, SECURE, OR FREE FROM HACKING, VIRUSES, OR MALICIOUS CODE; AND (E) ANY DEFECTS IN THE SERVICES WILL BE CORRECTED, EVEN WHEN WE ARE ADVISED OF SUCH DEFECTS.

THE BETA SERVICES ARE OFFERED SOLELY FOR EXPERIMENTAL PURPOSES AND WITHOUT ANY WARRANTY OF ANY KIND, AND MAY BE MODIFIED OR DISCONTINUED AT PAYFLOW’S SOLE DISCRETION.  THE PROVISIONS OF THIS SECTION APPLY WITH FULL FORCE TO SUCH BETA SERVICES.

PAYFLOW IS NOT LIABLE FOR AND DISCLAIMS LIABILITY FOR ANY DAMAGES, HARM OR LOSSES TO YOU ARISING FROM UNAUTHORIZED ACCESS OR USE OF YOUR PAYFLOW ACCOUNT OR THE SERVICES OR YOUR FAILURE TO IMPLEMENT APPROPRIATE SECURITY PROCEDURES.

2.3 Indemnification

You agree to indemnify, defend, and hold harmless Payflow and Third-Party Service Providers (including our respective affiliates, directors, employees, agents, and representatives), from and against all losses, liabilities, claims, demands, or expenses, including reasonable attorney’s fees, arising out of or related to: proceedings, suits, or actions brought by or initiated against Payflow by any third party due to your breach or alleged breach of these Terms of Service, any terms, agreements, or policies incorporated by reference, or any other agreements with Payflow; acts or omissions of Administrators, Users, or other Company employees or agents; Company’s actual or alleged infringement of a third party’s intellectual property rights; Company’s use of Third-Party Services.

2.4 Governing Law and Venue

These Terms of Service will be construed, applied, and. governed by the laws of the State of New York exclusive of its conflict or choice of law rules except to the extent that U.S. federal law controls. Subject to the good faith binding arbitration requirement provisions contained in Section 2.5, all litigation will be brought in the state or federal courts located in New York, NY.

2.5 Binding Arbitration

You and Payflow agree to resolve all Disputes arising under or in connection with these Terms of Service as provided in this section. Make sure that you have read and understand the below. Any arbitration or other legal proceeding under these Terms of Service will only be on an individual basis. Neither party may join with other parties to form a Consolidated Action. Each party waives its rights to file a lawsuit in court, to have its case decided by a jury, and to participate in a Consolidated Action against the other party.

If you do not want to arbitrate all claims as provided in these Terms of Service, then you have the right to reject such arbitration provisions by delivering a written notice to us at 169 Madison Avenue #2032, New York, NY 10016, Attention: Admin within thirty (30) days of the date you have entered into these Terms of Service. Your rejection of any arbitration provisions does not affect any independent arbitration agreements with third parties, and you remain subject to any arbitration, class action or jury trial waiver or dispute resolution processes set out in those separate agreements.

Company and Payflow agree to first attempt to resolve Disputes in good faith and in a timely manner. Where no resolution can be found, Disputes will be resolved by arbitration in New York, NY before a single arbitrator, as provided in this section, except that Disputes principally arising from protection of intellectual property rights or breach of confidential information will be resolved through litigation in accordance with Section 2.4.

The parties acknowledge that transactions under these Terms of Service may involve matters of interstate commerce and, notwithstanding the provisions in this paragraph referencing applicable substantive law, the Federal Arbitration Act (9 U.S.C. §§ 1-16) will govern any arbitration conducted pursuant to the terms of these Terms of Service.

Either party may commence arbitration by providing a written demand for arbitration and the other party detailing the subject of the Dispute and the relief requested. Each party will continue to perform its obligations under these Terms of Service unless that obligation or the amount (to the extent in Dispute) is itself the subject of the Dispute. Nothing in these Terms of Service affects the right of a party to seek urgent injunctive or declaratory relief from a court of appropriate jurisdiction in respect of a Dispute or any matter arising under these Terms of Service.

The prevailing party is entitled to recover its reasonable attorneys’ fees, expert witness fees, and out-of-pocket costs incurred in connection with such proceeding, in addition to any other relief it may be awarded.

Proceedings and information related to them will be maintained as confidential, including the nature and details of the Dispute, evidence produced, testimony given, and the outcome of the Dispute, unless such information was already in the public domain or was independently obtained. Company and Payflow, and all witnesses, advisors, and arbitrators will only share such information as necessary to prepare for or conduct arbitration or other legal proceeding, or enforcement of the outcome, unless additional disclosure is required by law.

2.6 Legal Process

We may respond to and comply with any legal order we receive related to your use of the Services, including subpoenas, warrants, or liens. We are not responsible to you for any losses you incur due to our response to such legal order. We may take any actions we believe are required of us under legal orders including holding funds or providing information as required by the issuer of the legal order. Where permitted, we will provide you reasonable Notice that we have received such an order.

2.7 Headings and Interpretation

Headings in these Terms of Service are for reference only. Except where otherwise specified, all references to sections or provisions refer to these Terms of Service or the applicable incorporated terms. The phrases including, for example, or such as do not limit the generality of the preceding provision; the word or will be read to mean either… or… or any combination of the proceeding items; words in the singular include the plural and words in the plural include the singular; and provisions listing items and using and require all listed items.

If any provision of these Terms of Service are found by a court of competent jurisdiction or arbitrator to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms of Service will otherwise remain in full force and effect.

2.8 Term and Termination

These Terms of Service are effective when you open a Payflow Account and continues until terminated by either you or us as set forth in these Terms of Service.

You may terminate these Terms of Service by (a) ceasing to use the Services; (b) paying all amounts owed, and (c) providing notice to us.

Payflow may terminate these Terms of Service and terminate access to your Payflow Account or the Services at any time and for any reason by providing you Notice. If we believe you violated these Terms of Service, or if required by law, we may terminate access to your Payflow Account without prior Notice.

If you reopen your Payflow Account or use or attempt to use any of the Services, you are consenting to the Terms of Service in effect at that time.

Termination of any Service includes removal of access to such Service and barring of further use of the Service. Termination of all Services also includes deletion of your Credentials and all related information, files and Company Data associated with or inside your Payflow Account (or any part thereof). Upon termination of any Service, your right to use such Service will automatically terminate immediately. You understand that any termination of Services may involve deletion of Company Data associated therewith from our live databases. Payflow will not have any liability whatsoever to you for any suspension or termination, including for deletion of Company Data.  All provisions of the Agreement which by their nature should survive, shall survive termination of Services, including without limitation, ownership provisions, warranty disclaimers, indemnification, and limitation of liability.

2.10 Notices and Communication

We will provide Notices regarding certain activity and alerts to your Payflow Account electronically through your Payflow Account, email, push notification, or via text or SMS to the contact information provided to us by Administrators and Users.

Notices regarding payments, legal terms, and any other important Notices related to your Company’s Payflow Account will be sent to certain Administrators through your Payflow Account or email and are considered received twenty-four (24) hours after they are sent.

We may send text or SMS messages to Users in connection with use of Credentials (such as through multi-factor authorization), to allow us to verify their identity, to provide other information about your Payflow Account, and for other purposes that we identify and that are available through your Payflow Account.

Administrators and Users are required to maintain updated web browsers, computers, and mobile device operating systems to receive Notices correctly. Administrators and Users are responsible for all costs imposed by their respective Internet or mobile service providers for sending or receiving Notices electronically.

2.12 Force Majeure

Payflow shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including, but not limited to, acts of God, pandemics, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes or shortages of transportation facilities, fuel, energy, labor or materials.

2.13 Entire Agreement

These Terms of Service, including any terms, agreements or policies incorporated by reference, constitutes the entire understanding of the parties with respect to the subject matter described and supersedes all other proposals or previous understandings, written or oral, between the parties. No other agreements, representations, or warranties other than those provided in these Terms of Service will be binding unless in writing and signed by Company and Payflow.

3. Defined Terms

Capitalized terms in these Terms of Service are defined as follows:

Additional Terms means additional terms or policies to which we may require you to agree in the event that we release new products, features, integrations, or otherwise to enhance and improve the scope and quality of the Services.

Administrator means an authorized User that is authorized by you to manage your Payflow Account and act on behalf of the Company.

Beta Services means beta or pre-release products or services, which may contain features and functionality that are incomplete or subject to substantial change or discontinuation.

Company or you means the company that is using the Platform or has opened a Payflow Account, and is executing these Terms of Service.

Company Data means information or documentation provided by the Company to Payflow, and which includes Financial Data and any personal data provided by Company, Administrators, and Users.

Consolidated Action means class arbitrations, class actions, or other action brought between multiple parties based on the same or similar legal claims, or the same or similar facts.

Credentials means usernames, passwords, and other identifiers or credentials used to assist Payflow in identifying and authenticating you with regard to your use of the Services.

De-Identified Data means data derived from Company Data that has been anonymized or aggregated with other data and that can no longer be used to identify a specific company or individual.

Feedback means all feedback, suggestions, ideas, or enhancement requests you submit to us.

Financial Data means Company’s bank balance, transaction, and account information accessible to Payflow through Linked Accounts or Third-Party Services.

Linked Account means any account that is held with a financial institution or that provides financial or sensitive company data and is linked to or authorized for use through your Payflow Account.

Notice means any physical or electronic communication or legal notices related to these Terms of Service that are provided to you, Users, or Administrators through text or SMS, email, your Payflow Account, or by other means.

Platform means https://www.payflow.ai/ and its affiliated sites and apps.

Privacy Policy means the Payflow Privacy Policy.

Security Procedures means certain procedures and controls that are intended to help secure and protect your Payflow Account and data from misuse, fraud, and theft.

Services means AI FP&A services and all other services provided by Payflow through your Payflow Account.

Terms of Service means these Terms of Service as amended.

Payflow, we or us means MyToolbox Technologies, Inc.

Payflow Account means your Company’s account with Payflow that is used to access Services.

Payflow Data means all data developed or collected by Payflow through the development or provision of Services, or Third-Party Services, or generated or recorded by the Payflow Platform, but which does not include Company Data.

Payflow Property means the Services and related technology; Payflow Data; and copyrights, patents, trade secrets, trade or service marks, brands, logos, and other intellectual property incorporated into each of the foregoing.

Third-Party Services means services and data provided by third parties connected to or provided through Services. Third-Party Services include accounting platforms (such as QuickBooks, Sage Intacct, and NetSuite), customer relationship management (such as Hubspot) and e-commerce platforms (such as Shopify), and applications used to monitor Linked Accounts (such as Plaid).

Third-Party Service Provider means an affiliate or other third party that assists us in providing the Services to you, that supports our internal operations, or that provides other services related or connected to, or provided through the Services and a Payflow Account.

Users means any employees, contractors, agents, or other individuals permitted to use Services on your behalf.