Terms of Service

Effective Date: 1st June 2025

Welcome to Smart Pay Desk — your intelligent, cloud-based solution for automated payments, billing workflows, and financial efficiency. These Terms of Service (“Terms”) govern your access and use of the Smart Pay Desk platform, services, and tools (“Services”). By accessing or using our SaaS solution, you agree to these Terms. If you do not agree, please do not use our Services.

1. Acceptance of Terms

By creating an account, using Smart Pay Desk, or accessing any of our features, you agree to abide by these Terms and all applicable laws and regulations.

2. Description of Service

Smart Pay Desk is a cloud-based SaaS platform designed to simplify, automate, and streamline payment processing, invoice generation, recurring billing, and financial workflows for modern businesses.

We offer integrations with third-party platforms, smart dashboards, AI-driven analytics, and multi-user support for startups, SMEs, and enterprises.

3. Account Registration

To use our Services, you must:

Be at least 18 years old.
Provide accurate registration details.
Maintain the security of your credentials.

You’re responsible for all activity under your account. Notify us immediately of any unauthorized access.

4. User Responsibilities

You agree NOT to:

Use Smart Pay Desk for any illegal or unauthorized purpose.
Attempt to reverse-engineer or copy our code.
Upload harmful scripts or malware.

Violation of these terms may result in immediate suspension.

5. Subscription & Payment Terms

Smart Pay Desk offers multiple pricing plans:

Monthly or annual billing
Auto-renewal enabled
Cancel anytime before renewal date

We accept major credit cards and comply with PCI-DSS standards for secure payments.

6. Data Privacy & Security

We are fully GDPR and CCPA compliant.

All user data is encrypted at rest and in transit.
No sensitive data is sold or shared without consent.
You retain full ownership of your financial data.

Read our Privacy Policy for more.

7. License & Intellectual Property

All rights, title, and interest in Smart Pay Desk, including its features, UI, branding, and underlying tech, are owned by Softcodix. You’re granted a limited, non-exclusive, non-transferable license to use the platform during your subscription period.

8. Service Availability & Support

We aim for 99.9% uptime.

Scheduled maintenance may occur with prior notice.
Support available via email and live chat during business hours.
SLAs apply for enterprise clients.

9. Termination

We reserve the right to suspend or terminate accounts that:

Violate these Terms
Abuse the system
Fail to pay dues

Upon termination, your access will be revoked, but you may request a full data export within 30 days.

10. Disclaimers & Limitation of Liability

We provide Smart Pay Desk “as-is” and “as-available” without warranties of any kind. We are not liable for:

Indirect or incidental damages
Lost profits or revenue
Downtime due to third-party services

11. Modifications to the Terms

We may revise these Terms occasionally. Changes will be posted here with an updated “Effective Date.” Continued use of Smart Pay Desk after changes means you accept the new Terms.

12. Governing Law

These Terms are governed by the laws of [Your Country/State], without regard to conflict of law provisions.

Disputes will be resolved through arbitration or in courts located in [Your Jurisdiction].

13. Contact Information

Questions about these Terms? Reach out:

14. Service Level Agreement (SLA)

At Smart Pay Desk, we understand that availability, reliability, and performance are critical to your operations. This SLA outlines our commitment to uptime, response times, and issue resolution.

15. Compliance & Regulatory Standards

We take your data — and your customers’ data — seriously. Smart Pay Desk complies with leading global and industry-specific standards to ensure data privacy, security, and integrity.

16. Audit Logs & Data Integrity

All account activity and transaction history are logged and timestamped.
Audit logs are accessible to admins and exportable upon request.

Logs are retained for 12 months unless otherwise required by law or SLA.

17. Legal Notices

This TOS, along with our Privacy Policy, SLA, and Compliance Disclosures, collectively form a binding legal agreement between you and Smart Pay Desk. It overrides all previous verbal or written agreements.