Conditions générales

Les conditions qui régissent l’utilisation de Paylero.

Last updated: 18 June 2026

These Terms and Conditions govern access to and use of the Paylero website, Paylero business application, Paylero Lend, Paylero Collect, support services, communications, and related services provided by Paylero under the Paylero brand.

In these Terms, “Paylero,” “we,” “us,” and “our” refer to Paylero. “You” and “your” refer to any visitor, account owner, business user, authorized user, organization, lender, institution, representative, customer, borrower, invoice recipient, or other person who accesses or uses Paylero.

By accessing or using Paylero, creating an account, accepting an invitation, using our website, or using any Paylero service, you agree to these Terms. If you do not agree, you must not use Paylero.

Paylero provides financial software tools for businesses, lenders, institutions, organizations, and authorized users.

Our current services include:

  1. Paylero Lend — software that helps lenders and financial institutions create, send, manage, service, and track loan offers and loans.
  2. Paylero Collect — software that helps individuals, businesses, landlords, schools, clubs, small organizations, and institutions create invoices, request payments, track payment status, record payments, and manage customer balances without using a full accounting package.

Paylero is a software provider. Unless a separate written agreement says otherwise, Paylero is not a lender, bank, deposit-taking institution, accounting firm, tax advisor, legal advisor, credit bureau, licensed collection agency, payment processor, or money transmission service.

You may use Paylero only if you:

  • Are legally able to enter into binding agreements.
  • Are at least the age of majority in your jurisdiction.
  • Have authority to act on behalf of the business, organization, lender, institution, or account you represent.
  • Provide accurate, complete, and current information.
  • Use Paylero only for lawful business or organizational purposes.

If you create or use an account on behalf of a business, organization, lender, institution, or other entity, you confirm that you are authorized to bind that entity to these Terms.

To use certain Paylero services, you must create an account or accept an invitation to an account.

You are responsible for:

  • Keeping login credentials secure.
  • All activity under your account or user profile.
  • Ensuring that authorized users have appropriate permissions.
  • Removing access for users who should no longer have access.
  • Maintaining accurate account, billing, and contact information.
  • Promptly notifying Paylero of unauthorized access or suspected security issues.

Paylero may suspend or restrict access if we reasonably believe an account is being misused, is insecure, violates these Terms, creates legal risk, or may harm Paylero, users, customers, or third parties.

Paylero Lend is a software platform for managing loan offers, borrower workflows, loan records, repayment schedules, servicing activity, and related communications.

Unless a separate written agreement says otherwise:

  • Paylero does not make lending decisions for Paylero Lend users.
  • Paylero does not approve, reject, underwrite, fund, service, or collect loans on behalf of lenders.
  • Paylero does not guarantee borrower eligibility, repayment, loan performance, collections, or recoveries.
  • Paylero does not provide legal, regulatory, credit, financial, or lending advice.
  • The lender, financial institution, or business using Paylero Lend is responsible for all borrower relationships, disclosures, consents, loan documentation, regulatory compliance, credit decisions, underwriting, funding, servicing, collections, reporting, and recordkeeping.

Users of Paylero Lend must ensure that all loan offers, fees, interest, repayment terms, late fees, disclosures, communications, approvals, denials, documents, signatures, and collection practices comply with applicable law and their own internal policies.

Paylero Collect is a software tool for creating invoices, requesting payments, tracking payment status, recording payments, sending reminders, and managing customer balances.

Unless a separate written agreement says otherwise:

  • Paylero Collect does not hold money for users.
  • Paylero Collect does not operate a customer wallet.
  • Paylero Collect does not process payments directly.
  • Paylero Collect does not guarantee payment by customers or invoice recipients.
  • Paylero Collect does not verify that a bank transfer, proof of payment, receipt, invoice, VAT amount, tax amount, or customer balance is accurate unless a specific feature or written agreement says otherwise.
  • Paylero does not provide accounting, tax, audit, debt collection, or legal advice.

Paylero Collect users are responsible for:

  • The accuracy of invoices.
  • The accuracy of VAT, taxes, fees, discounts, balances, and payment status.
  • Their own customer relationships.
  • Confirming whether payments were actually received.
  • Maintaining accounting records.
  • Complying with tax, VAT, invoicing, consumer, collection, and other applicable laws.
  • Ensuring they have the right to contact customers or invoice recipients.

You may use the Paylero website for lawful purposes only. You must not:

  • Attempt to interfere with the website or application.
  • Attempt to gain unauthorized access to any system, account, or data.
  • Scrape, copy, or harvest content or data without permission.
  • Use the website to send spam, malicious content, or unlawful communications.
  • Misrepresent your identity, affiliation, or authority.
  • Use Paylero's name, brand, or content in a misleading way.

You must not use Paylero to:

  • Violate any law, regulation, contract, court order, or third-party right.
  • Commit fraud, deception, harassment, abuse, or unlawful discrimination.
  • Send unlawful, misleading, threatening, defamatory, obscene, or harmful content.
  • Upload malware, viruses, malicious code, or harmful files.
  • Attempt to bypass security, rate limits, authentication, authorization, or usage restrictions.
  • Reverse engineer, decompile, copy, resell, sublicense, or exploit Paylero except as expressly permitted.
  • Use Paylero to process information you do not have the legal right to process.
  • Use Paylero to collect unlawful debts or send unlawful collection notices.
  • Use Paylero to issue, manage, or collect loans where you lack the required authority, licensing, approval, disclosure, or compliance framework.

We may remove content, restrict features, suspend accounts, or terminate access if we believe these Terms have been violated.

If you enter personal, customer, borrower, applicant, invoice-recipient, employee, staff, or business information into Paylero, you are responsible for ensuring that:

  • You have the right to collect and use that information.
  • You have provided required notices and obtained required consents.
  • The information is accurate and relevant.
  • Your use of the information complies with applicable law.
  • You respond appropriately to requests from individuals whose information you control.

Paylero may process information as described in our Privacy Policy and in accordance with applicable agreements.

By using Paylero, you agree that Paylero may send you service, account, billing, security, support, legal, and administrative communications.

Paylero may also send product updates or marketing communications where permitted. You can opt out of marketing communications, but you cannot opt out of essential service, security, billing, legal, loan, invoice, or account communications while using Paylero.

Business users are responsible for ensuring that any communications sent through Paylero to customers, borrowers, invoice recipients, or other contacts are lawful, accurate, authorized, and not misleading.

Certain Paylero services may require a paid subscription or other fees. Subscription plans, features, limits, and pricing may be shown on the website, in the application, in an order form, or in a separate written agreement.

Unless a separate written agreement says otherwise:

  • Fees are due according to the selected plan, invoice, order form, or billing schedule.
  • Fees are non-refundable except where required by law or expressly stated in writing.
  • Paylero may suspend or restrict access for overdue accounts.
  • Paylero may change pricing or plan features by giving reasonable notice.
  • Taxes, duties, bank charges, transfer fees, and similar charges are your responsibility unless stated otherwise.

If you believe there is a billing error, contact billing@paylero.com promptly.

Paylero may offer free trials, pilot programs, beta features, previews, or early-access services. These may be modified, limited, suspended, or discontinued at any time.

Beta and early-access features may be incomplete, may contain errors, and may change before general release. They are provided for evaluation and feedback unless Paylero states otherwise.

Paylero may integrate with or rely on third-party services, including hosting providers, cloud storage providers, email providers, SMS providers, analytics providers, billing providers, banks, payment providers, identity providers, app stores, and other technology providers.

Paylero is not responsible for third-party services that we do not control. Your use of third-party services may be subject to separate terms and privacy policies.

You are responsible for maintaining your own records and exports where necessary for legal, accounting, lending, tax, audit, customer service, or operational purposes.

Paylero may maintain backups, logs, audit records, and system records for security, continuity, legal, and operational purposes. Backup restoration is not guaranteed unless a separate written agreement provides otherwise.

Paylero and its licensors own all rights, title, and interest in the Paylero website, application, software, code, design, workflows, logos, branding, content, documentation, and related intellectual property.

Subject to these Terms and any applicable subscription or agreement, Paylero grants you a limited, non-exclusive, non-transferable, revocable right to access and use Paylero for your internal business or organizational purposes.

You must not copy, modify, distribute, sell, lease, sublicense, reverse engineer, or create derivative works from Paylero except as expressly permitted in writing.

15. User content and data ownership

As between you and Paylero, you retain ownership of business data, customer data, borrower data, invoice data, loan data, uploaded documents, and other content you submit to Paylero, subject to the rights granted in these Terms.

You grant Paylero the right to host, store, process, transmit, display, reproduce, and use your submitted content as needed to provide, secure, support, maintain, and improve Paylero, comply with law, enforce agreements, and operate our business.

You represent that you have the necessary rights and permissions to submit content to Paylero.

Each party may receive confidential information from the other. Confidential information should be used only for the purpose for which it was provided and should be protected using reasonable care.

Confidential information does not include information that is public, already known without confidentiality obligations, independently developed, or lawfully received from another source.

Paylero may disclose confidential information where required by law, regulation, legal process, or government request.

Our Privacy Policy explains how we collect, use, share, protect, and retain information. The Privacy Policy is part of these Terms and is available at:

https://paylero.com/privacy

We aim to provide reliable services, but we do not guarantee that Paylero will always be available, uninterrupted, secure, error-free, or compatible with every device, browser, integration, or system.

We may modify, update, suspend, discontinue, or restrict any part of Paylero at any time, including features, plans, limits, integrations, and user interface elements.

Where practical, we may provide notice of material changes that affect paid users.

Paylero is provided on an “as is” and “as available” basis to the maximum extent permitted by law.

Paylero does not guarantee:

  • That the services will be uninterrupted, error-free, or secure.
  • That data will never be lost or corrupted.
  • That customers, borrowers, or invoice recipients will pay.
  • That loan offers, invoices, VAT calculations, tax calculations, reminders, uploaded documents, repayment schedules, or records are legally compliant for your specific use case.
  • That Paylero will meet every regulatory, accounting, tax, legal, lending, collection, or operational requirement applicable to you.

You are responsible for reviewing outputs, records, invoices, loan terms, communications, and settings before relying on them.

To the maximum extent permitted by law, Paylero and its directors, officers, employees, contractors, affiliates, suppliers, and service providers will not be liable for indirect, incidental, special, consequential, punitive, exemplary, or similar damages, including loss of profits, revenue, goodwill, data, business, customers, financing, or opportunities.

To the maximum extent permitted by law, Paylero's total liability for any claim related to the services will be limited to the amount paid by you to Paylero for the affected service during the three months before the event giving rise to the claim, or the minimum amount permitted by law if no fees were paid.

Some jurisdictions do not allow certain exclusions or limitations, so some limitations may not apply to you.

You agree to indemnify and hold harmless Paylero and its directors, officers, employees, contractors, affiliates, suppliers, and service providers from and against claims, losses, liabilities, damages, costs, and expenses, including reasonable legal fees, arising from or related to:

  • Your use of Paylero.
  • Your violation of these Terms.
  • Information, content, records, invoices, loan offers, communications, or documents you submit or send through Paylero.
  • Your relationship with customers, borrowers, applicants, invoice recipients, or other third parties.
  • Your lending, invoicing, payment tracking, tax, VAT, collection, accounting, legal, or regulatory obligations.
  • Your violation of law or third-party rights.

You may stop using Paylero at any time. Paid subscriptions may remain subject to the applicable billing terms, subscription period, order form, or written agreement.

Paylero may suspend or terminate access if:

  • You violate these Terms.
  • Fees are overdue.
  • Your use creates legal, security, operational, reputational, or financial risk.
  • We suspect fraud, abuse, unauthorized access, or unlawful activity.
  • We are required to do so by law, regulation, court order, service provider requirement, or government request.
  • The service or feature is discontinued.

After termination, we may retain information as described in our Privacy Policy and as required for legal, accounting, audit, security, dispute, operational, or contractual purposes.

We may update these Terms from time to time. When we do, we will update the “Last updated” date above.

If changes are material, we may provide additional notice by email, in-app message, website notice, or other reasonable means. Continued use of Paylero after updated Terms become effective means you accept the updated Terms.

These Terms are governed by the laws of Trinidad and Tobago, without regard to conflict-of-law principles.

Unless a separate written agreement states otherwise, the parties agree that disputes will be subject to the jurisdiction of the courts of Trinidad and Tobago.

Nothing in this section prevents Paylero from seeking urgent injunctive or equitable relief in any court of competent jurisdiction to protect its rights, systems, users, confidential information, or intellectual property.

Paylero will not be responsible for delays or failures caused by events beyond our reasonable control, including natural disasters, power outages, internet failures, telecommunications failures, cloud provider outages, cyberattacks, labor disputes, war, terrorism, civil unrest, government action, pandemic, changes in law, or failures of third-party services.

You may not assign or transfer your rights or obligations under these Terms without Paylero's prior written consent. Paylero may assign or transfer these Terms in connection with a merger, acquisition, financing, restructuring, sale of assets, corporate reorganization, or transfer of the services.

If any part of these Terms is found invalid or unenforceable, the remaining parts will remain in effect. The invalid or unenforceable part will be interpreted to the maximum extent permitted by law to achieve its intended purpose.

Paylero's failure to enforce any part of these Terms is not a waiver of our right to enforce that part later.

These Terms, the Privacy Policy, any applicable order form, subscription terms, service-specific terms, and written agreements between you and Paylero form the entire agreement between you and Paylero regarding the services.

If there is a conflict between these Terms and a signed written agreement, the signed written agreement controls for that conflict.

For questions about these Terms, contact us at:

Paylero
Address: Level 8, Gulf City Complex, San Fernando, Trinidad & Tobago
Support: support@paylero.com
Billing: billing@paylero.com
Privacy: privacy@paylero.com
Website: www.paylero.com

Questions about these terms?

Contact us at support@paylero.com or visit the Contact Paylero page.