Terms of Service

1. Introduction

PlanPacer provides instalment payment plan management for merchants. The platform enables businesses to create, manage, and collect structured payment plans from their customers via Stripe.

By accessing or using PlanPacer, you agree to be bound by these Terms of Service. If you do not agree to these terms, you must not use the Service.

2. Definitions

• "Merchant" — a business or individual using PlanPacer to create and manage payment plans for their customers.
• "Customer" — a person making payments on a plan created by a Merchant.
• "Service" — the PlanPacer platform, including the website, API, and all related tools and features.

3. Account & Access

• Merchants access their account via magic link email authentication. No password is required.
• You are responsible for securing access to your account. We strongly recommend enabling two-factor authentication (2FA) for additional protection.
• You must not share your magic link or session with unauthorised parties.
• We reserve the right to suspend or terminate accounts that violate these terms, engage in fraudulent activity, or pose a risk to other users or the platform.

4. Payment Processing

• All payments are processed by Stripe. PlanPacer does not collect, store, or have access to customer card details.
• Merchants are responsible for setting accurate plan amounts, payment schedules, and descriptions.
• PlanPacer charges a commission on payments processed through the platform. This is in addition to standard Stripe processing fees.
• Funds are transferred to the Merchant's connected Stripe account. PlanPacer does not hold funds on behalf of Merchants or Customers.

5. Data & Analytics

We collect usage data to improve the Service, monitor performance, and ensure security. We share data with the following third-party services:

For full details on how we collect, use, and protect your data, see our Privacy Policy.

6. Merchant Responsibilities

As a Merchant using PlanPacer, you agree to:

• Comply with all applicable laws and regulations, including consumer rights legislation, distance selling regulations, and anti-money laundering requirements.
• Provide accurate and up-to-date business information, including your trading name, address, and VAT number where applicable.
• Handle customer disputes, refund requests, and complaints fairly and in accordance with applicable consumer protection law.
• Maintain a valid and active Stripe Connect account for the duration of your use of the Service.
• Not use the Service for any unlawful, fraudulent, or deceptive purpose.

7. Customer Rights

• Customers can view the full status and schedule of their payment plan at any time via their dedicated plan link.
• Cancellation policies are set by the Merchant and are displayed on each plan. PlanPacer does not determine or enforce refund or cancellation terms between Merchants and Customers.
• Customers may cancel future instalments from their plan page, subject to the Merchant's cancellation policy.

8. Limitation of Liability

• The Service is provided on an "as is" and "as available" basis. PlanPacer makes no warranties, express or implied, regarding the availability, reliability, or fitness for a particular purpose of the Service.
• PlanPacer is not liable for payment failures, delays, or errors caused by Stripe, customer banks, card networks, or other third-party payment infrastructure.
• To the maximum extent permitted by law, PlanPacer's total liability arising from or in connection with these terms or the Service shall not exceed the total fees paid by you to PlanPacer in the 12 months immediately preceding the event giving rise to the claim.
• Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded or limited under applicable law.

9. Account Deletion

• Merchants can request account deletion from the Settings page within their dashboard.
• Upon deletion, your account data is soft-deleted and retained for 28 days. After this period, it is permanently and irreversibly removed from our systems.
• Payment records may be retained for longer periods to meet legal and tax obligations, as described in our Privacy Policy.

10. Changes to Terms

We may update these Terms of Service from time to time. When we do, we will update the "last updated" date at the top of this page.

Continued use of the Service after changes are posted constitutes your acceptance of the revised terms. For material changes that significantly affect your rights or obligations, we will notify you via the email address associated with your account.

11. Governing Law

These terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Contact

If you have any questions about these Terms of Service, please contact us at security@planpacer.com.