Terms of service.

01Who we are

ownaris.io is operated by Ownaris, LLC, a limited liability company formed in the State of Delaware, United States, with its registered office at 131 Continental Dr, Suite 305, Newark, DE 19713, United States ("Ownaris", "we", "us").

You can reach us at contact@ownaris.io.

02What these terms cover

These terms apply when you browse this website, use the Checkout Studio sandbox, submit an application or use the merchant portal (together, the "Service"). By using the Service you agree to them. If you use the Service for a business, you confirm that you are authorised to act for it.

If you do not agree with these terms, please do not use the Service.

03What Ownaris does, and does not do

Ownaris provides a checkout builder, a dashboard for orders and payments, and an application through which our team reviews your business and, where a suitable option exists, puts a payment processing offer in front of you.

Ownaris is not a bank, a payment institution or a money transmitter. Payments are processed, and funds are held and settled, by third-party payment providers under their own terms. Whether to accept a business, and on what conditions, is ultimately decided by the relevant provider.

04Your application

Submitting an application is free and requires no card details. It is not an offer, a contract for payment processing or a promise of approval.

• You agree to give information that is accurate, complete and current, and to correct it if it changes.
• We may ask for supporting documents, such as proof of identity, a bank document or company registration. They are requested and uploaded through your merchant portal.
• We may decline an application, or stop reviewing it, at our discretion and without having to give reasons, including where information is missing or cannot be verified.

05How long the review takes

We answer every application within one week of the day it is submitted. That answer may be a decision, a proposed next step or a request for documents. If we ask for documents, the review continues once we receive them.

The one-week period is the time to our answer. It is not a commitment that an offer will be available.

06Offers, fees and the agreement that follows

Using this website, the sandbox, the application and the merchant portal is free.

If an offer is available, we explain the rates, payout schedule and any reserve or additional requirement before you decide. Those conditions are set out in a separate agreement with us and/or the relevant payment provider. Nothing is charged, and no processing starts, until you have accepted that agreement. If these terms and that agreement conflict, the agreement prevails.

07The Checkout Studio sandbox

The Checkout Studio available on this website is a demonstration. It runs in your browser, saves nothing to our servers and processes no real payment. Products, orders, customers and amounts shown in it and elsewhere on this website are examples.

08Your merchant portal

You sign in to the merchant portal with a one-time code sent to the email address used in your application. Keep access to that mailbox secure: anyone who can read it can open your portal. Tell us at once if you believe someone else has had access.

09Acceptable use

You agree not to:

• submit false, misleading or stolen information or documents, or apply on behalf of a business without its authority;
• use the Service for any activity that is illegal where you or your customers are located, or that infringes the rights of others;
• attempt to gain unauthorised access to the Service, disrupt it, probe it for vulnerabilities or get around its security measures;
• scrape or copy the Service by automated means, other than ordinary indexing by search engines;
• upload files containing malware.

10Intellectual property

The Service, including its software, design, text and the Ownaris name and logo, belongs to Ownaris or its licensors. We grant you a personal, non-exclusive, non-transferable right to use it for its intended purpose. You keep all rights in the information and documents you send us, and you allow us to use them to review your application and provide the Service.

11Other companies named on this site

Our comparison pages describe other products using information those companies publish and public listings, as of the date shown on each page. Product names and trademarks belong to their owners. We do not claim any affiliation or endorsement. If something is out of date, write to us and we will correct it.

12No warranty

The Service is provided "as is" and "as available". To the fullest extent permitted by law, we make no warranty that it will be uninterrupted or error-free, that an application will be approved, or that any offer will be available. Content on this website is general information, not legal, financial or tax advice.

13Limitation of liability

To the fullest extent permitted by law, Ownaris is not liable for indirect, incidental, special, consequential or punitive damages, or for loss of profits, revenue, data or business opportunity, arising from your use of the Service. Our total liability for any claim relating to the Service is limited to the greater of the amounts you paid us for the Service in the twelve months before the claim, or one hundred US dollars.

Nothing in these terms excludes liability that cannot be excluded under the law that applies to you.

14Suspension and ending

You can stop using the Service at any time, and ask us to close your application by writing to us. We may suspend or end your access if you breach these terms or if we are required to by law or by a payment provider.

15Governing law

These terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-law rules. The state and federal courts located in Delaware have exclusive jurisdiction over any dispute, unless the law that applies to you requires otherwise.

16Changes to these terms

We may update these terms. The date at the top shows the latest version. If a change is significant and you have an application in progress, we will tell you by email. Continuing to use the Service after a change means you accept the new version.

17Contact

Questions about these terms: contact@ownaris.io, or by post to Ownaris, LLC, 131 Continental Dr, Suite 305, Newark, DE 19713, United States.