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The terms for using PayGap’s website and application, including access, responsibilities, updates and resolving problems.
PayGap is developed and distributed by UNIVERSO MAGNÂNIMO, UNIPESSOAL LDA (Universo), registered in Portugal under number 516839462. Its registered office is Praceta Sebastião da Gama, nº 3, 3º ESQ, Massamá, 2745-837 Queluz, Portugal. Use the Contact form for website or app questions. Financial services are supplied by the relevant providers identified for your route; their responsibilities and terms are separate from Universo’s technology services.
These terms govern your use of the PayGap website and application provided by Universo, identified in Legal & Company Information. Financial services require the User Agreement and the terms of the relevant provider. This website does not accept or execute payment instructions unless an expressly enabled service says otherwise. We will present contractual terms for acceptance when you register or activate a service, and make a copy available for you to retain. Merely viewing a product description does not create a financial services account.
Subject to these terms, you may use the app for its intended purposes on devices you are entitled to use. You must provide accurate information when requested, comply with lawful eligibility requirements and use the service only for authorised activity. You must not interfere with the app, distribute malware, impersonate another person, bypass access controls, infringe intellectual property rights or use the service for unlawful payments. This includes fraud, money laundering, sanctions evasion and using accounts without authority. These restrictions do not limit rights to inspect or use software that applicable law does not allow us to exclude.
PayGap's branding, software and content are protected by the rights of their respective owners. Access to the app does not transfer ownership of those rights. Third-party trademarks identify their owners and do not imply endorsement beyond the disclosed relationship. We will use reasonable care and skill in providing the app. Maintenance, updates, device limitations and provider outages may interrupt access. We will explain material restrictions or scheduled interruptions where reasonably possible. If an essential update is required for security or compatibility, we will explain what you need to do. Marketing examples are illustrative. The applicable transaction quote and provider terms determine the service offered to you. External websites and third-party applications may have separate terms; their involvement does not remove our responsibility for our own representations or integration.
We may restrict access when reasonably necessary to address suspected misuse, security threats, legal obligations or a material breach. We will explain the reason and available review steps unless the law or a legitimate security need prevents disclosure. Restrictions will be proportionate to the circumstances. You may stop using the website or request closure of your app profile through support. Uninstalling the app does not itself close a provider account, cancel a payment or erase records that must be retained. The User Agreement explains the closure process.
Each party remains responsible for its own obligations. Nothing excludes liability for fraud, deliberate misconduct or any liability or remedy that cannot lawfully be excluded. These terms do not impose a blanket waiver of claims arising from payment errors, security incidents or provider failures. For this app agreement, Portuguese law applies. If you are a consumer, this choice does not deprive you of mandatory protections or court rights available under applicable law, including those in your country of habitual residence where relevant. Financial services may have different governing terms, disclosed by their provider. Please use the Contact form about a problem. You may use the Complaints Policy without losing access to a court or other remedy available to you.
We will identify the effective date and communicate material changes before they take effect, using the notice period required by applicable law. Where fresh acceptance is required, we will obtain it. Changes will not retrospectively rewrite an already confirmed payment. If you disagree, you may stop using the affected service and request closure, subject to completion of outstanding obligations.
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