Terms of Service

Effective date:

November 2025

Petl Pay – Terms of Service

Updated: 17 July 2026

1. Overview of the Petl Pay Platform

1.1 Platform Description

Petl Pay is a technology platform that provides workflow, invoicing, and payment-orchestration tools to businesses, agencies, freelancers, contractors, contributors, and project-based teams, including:

Time tracking and automated invoice generation
Multi-party invoice aggregation and roll-ups
Unified client payment requests
Routing of contributor payout instructions
Project and payment workflow coordination
Visibility and reporting across project-based payments

Petl Pay provides software and technical infrastructure only.

Petl Pay is not:

A bank, credit institution, or deposit-taking entity
A payment service provider (PSP)
A money transmitter or remittance provider
A custodian or trustee of funds or digital assets
A foreign exchange dealer
An investment adviser, broker, or intermediary
A virtual asset service provider (VASP) or crypto-asset service provider (CASP)

Petl Pay does not itself provide regulated financial services.

1.2 Third-Party Financial Infrastructure

Financial functionality made available through the Platform is provided exclusively by independent, third-party providers that are licensed and regulated in their respective jurisdictions. This includes, without limitation, providers of:

Payment processing and settlement
Custody or safeguarding of funds or digital assets
KYC/KYB, AML, and sanctions screening
Fiat on-ramps and off-ramps
Stablecoin issuance, conversion, or blockchain settlement

You must accept and comply with the applicable third-party terms, policies, and onboarding requirements in order to access any payment or financial features.

Petl Pay does not control and is not responsible for:

Approval or rejection decisions
Compliance determinations
Transaction limits, freezes, or delays
Settlement timelines
Exchange rates or FX spreads
Blockchain network performance
Custody or safeguarding of funds

1.3 Non-Custodial; No Control of Funds

Petl Pay operates on a strictly non-custodial basis.

Petl Pay:

Does not hold, receive, store, safeguard, or control user funds
Does not take possession of fiat or digital assets at any time
Does not manage private keys or wallet credentials
Does not intermediate, pool, or escrow user money
Does not execute transactions on its own behalf
Does not act as a merchant of record, payment intermediary, or financial counterparty in relation to any payment executed through the Platform

All payment execution, custody (where applicable), and settlement are performed by licensed third-party providers or occur directly between users and such providers. User funds never enter Petl Pay's possession or control.

2. Eligibility and Account Requirements

The Platform is provided solely for business and professional use. By using the Platform, you represent that you are entering into these Terms in the course of a business, trade, craft, or profession, and not as a consumer.

You must:

Be at least 18 years old
Have the legal capacity to enter into binding contracts
Use the Platform only for lawful business or professional purposes
Provide accurate, complete, and up-to-date information

You are responsible for:

Maintaining the security of your login credentials
All activity conducted through your account
Ensuring your use of the Platform complies with applicable laws and regulations
Ensuring your business is authorised to send, receive, or interact with digital assets or payment services where applicable

2.1 Authentication Infrastructure

Petl Pay uses third-party authentication infrastructure (currently WorkOS) to manage account sign-in, sessions, and identity management. Sign-in and session data is processed by such providers acting as our data processors, as described in our Privacy Policy.

2.2 Support Access and Account Impersonation

You acknowledge and agree that authorised Petl Pay personnel may access your account, including by temporarily impersonating your user session, for the purposes of:

Providing support you have requested
Diagnosing and resolving technical issues
Investigating suspected fraud, abuse, or security incidents
Complying with legal or regulatory obligations

Each impersonation session requires a logged justification, is time-limited, and is recorded in an audit trail. Personnel acting under this section will not initiate payment instructions on your behalf.

To the extent permitted by law, Petl Pay is not liable for losses arising from support access conducted in accordance with this section.

3. KYC, KYB, Compliance and Verification

3.1 When Verification Is Required

Certain non-financial features of the Platform may be accessed without verification.

To enable payments, stablecoin transactions, payouts, or financial integrations, you must successfully complete KYC/KYB with a licensed third-party provider.

3.2 Third-Party Compliance Decisions

All compliance, onboarding, monitoring, suspension, and termination decisions relating to financial services are made solely by third-party providers based on:

Regulatory requirements
Sanctions and AML obligations
Risk and fraud assessments
Jurisdictional restrictions

Petl Pay does not make, influence, or override these decisions.

3.3 Legal and Regulatory Disclosures

Where required by law, Petl Pay and/or its partners may disclose information to regulators, law enforcement, tax authorities, or other competent authorities.

4. Platform Features and User Responsibilities

4.1 Invoicing, Projects and Workflows

The Platform enables users to manage project-based workflows, including time tracking, invoicing, and payment instructions.

You remain solely responsible for:

The accuracy of time entries and invoices
Tax calculation, reporting, and compliance
Contractual relationships with clients, contributors, and counterparties
Determining the legality of your activities in relevant jurisdictions

4.2 Payment Instruction Routing

Petl Pay enables users to submit instructions regarding payment allocation, contributor splits, and payout routing.

You acknowledge that:

Petl Pay does not execute payments
Instructions are transmitted exactly as provided by users
Transactions are executed by licensed third-party providers
Blockchain and payment transactions may be irreversible

Users are solely responsible for reviewing and confirming all payment instructions prior to submission.

4.3 User-Initiated Payment Instructions

All payment instructions transmitted through the Platform are initiated and authorised solely by users.

Petl Pay acts only as a technical interface and messaging layer enabling users to generate and transmit payment instructions to third-party financial institutions or payment providers.

Petl Pay:

does not originate or authorise payments on behalf of users
does not determine the recipient, amount, or timing of payments
does not modify payment instructions submitted by users
does not act as agent or intermediary for either the payer or the payee

Users acknowledge that all payment instructions originate from the user and are executed by licensed financial institutions.

For clarity, any instruction submitted through a Connected Client (as defined in Section 7A) authenticated with your credentials or authorised tokens is a payment instruction initiated and authorised by you for the purposes of this Section 4.3, whether or not the specific action was intended, reviewed, or supervised by a human.

4.4 Payment Verification Responsibility

Users are solely responsible for verifying the accuracy of all payment instructions, including recipient bank account details or wallet addresses, prior to authorising a transaction.

Petl Pay does not verify recipient identities or payment details.

Users should independently confirm payment instructions through trusted communication channels before sending funds.

4.5 Authorised Push Payment (APP) Fraud

Authorised Push Payment fraud occurs where a payer is deceived into authorising a payment to an unintended recipient.

Petl Pay does not execute payment transactions and does not control the payment infrastructure through which payments are processed.

To the maximum extent permitted by law:

Petl Pay shall not be responsible for losses arising from authorised payments made under fraud, deception, impersonation, or incorrect payment instructions
Petl Pay shall not be liable for payments sent to fraudulent or incorrect accounts where such instructions were authorised by the payer

Users acknowledge that payment transactions executed by third-party providers may be irreversible.

4.6 Payee Account Representations

Users providing bank accounts or wallet addresses represent and warrant that:

they are the lawful owner or authorised controller of the account
the account is not used for fraudulent or unlawful purposes
payment details supplied are accurate

Users agree to indemnify Petl Pay against losses arising from payments made to accounts they provided.

4.7 Fraud Investigation and Cooperation

In the event of fraud investigations or reimbursement claims involving transactions connected to the Platform, users agree to cooperate with Petl Pay and relevant financial institutions.

Petl Pay may:

request transaction information
suspend accounts
disable payment features
share information with financial institutions or authorities
take steps to recover funds where fraud is suspected

5. Marketplace and Third-Party Participants

Where the Platform displays contributors or service providers:

Listings may be curated or moderated
Petl Pay does not guarantee accuracy or performance
All engagements occur directly between users
Petl Pay is not a party to underlying contracts

6. Fees and Pricing

Petl Pay may charge subscription, usage-based, transaction-related, or platform fees as disclosed within the Platform or agreed separately.

Fees may be modified upon notice.

Third-party providers may charge separate fees under their own terms.

7. Third-Party Services and Integrations

Financial services available through the Platform are provided solely by third parties.

Petl Pay is not responsible for:

third-party outages
freezes or compliance decisions
delays in settlement
transaction failures

7A. MCP Servers and AI Agent Access

7A.1 Definitions

"MCP Servers" means the Model Context Protocol server endpoints Petl Pay makes available to enable programmatic access to the Platform, together with the tools, resources, and interfaces exposed through them.

"Connected Client" means any application, AI assistant, agent, script, or system (including Claude or any other AI model or agent) that connects to or communicates with an MCP Server, whether operated by you, your authorised users, or a third party acting on your behalf.

"MCP Access" means any access to or action initiated through the MCP Servers by any means, including by a Connected Client.

7A.2 Your Actions

All MCP Access authenticated with your credentials or authorised tokens is deemed initiated and authorised by you.

Any instruction submitted through a Connected Client — including any payment instruction, payment link generation, invoice action, or account change — is treated as a user-initiated payment instruction under Section 4.3, whether or not the specific action was intended, reviewed, or supervised by a human.

7A.3 Your Responsibilities

You are solely responsible for:

All actions, instructions, data, and outcomes of MCP Access, whether or not authorised, intended, or automated
Configuring, securing, and supervising each Connected Client, including the permission scopes you grant it
Safeguarding OAuth tokens, API keys, and credentials used for MCP Access, and promptly revoking any that are compromised
Reviewing and independently verifying any output, summary, or recommendation produced by a Connected Client before relying or acting on it, including all payment details, amounts, recipients, and account information
Ensuring Connected Clients are not used for bulk data extraction, scraping, caching or indexing of Platform data, model training or fine-tuning, circumventing rate or technical limits, or any activity prohibited under Section 8

7A.4 AI Output Disclaimer

Connected Clients, including AI agents, may misinterpret, summarise inaccurately, omit, or fabricate information about your account, invoices, payments, or balances.

Data returned by the MCP Servers is provided as-is. Petl Pay makes no warranty as to how any Connected Client presents, transforms, or acts on that data.

The Platform record, as displayed in the Petl Pay dashboard, is the authoritative record of your account.

Petl Pay is not liable for decisions made, payments authorised, or losses incurred in reliance on AI-generated output.

7A.5 Third-Party AI Providers

When you connect an AI-based Connected Client, your account data is transmitted to that AI provider (e.g. Anthropic) at your direction and under your agreement with that provider.

Petl Pay does not control, and is not responsible for, the AI provider's processing, retention, or use of that data.

7A.6 Prompt Injection and Compromised Clients

You acknowledge that AI agents may be manipulated by third-party content ("prompt injection") into taking unintended actions.

Petl Pay is not responsible for actions taken through a compromised, manipulated, or misconfigured Connected Client, and any resulting payment instruction remains an authorised instruction under Sections 4.3 to 4.5.

7A.7 Availability and Changes

MCP Servers are provided "as is" and "as available", with no service level commitment.

Petl Pay may add, modify, rate-limit, restrict, suspend, or discontinue MCP Servers or any Connected Client's access at any time, including where reasonably necessary to protect security, integrity, or performance, without liability.

7A.8 Indemnity

The indemnity in Section 12 extends to claims and losses arising from your MCP Access or any Connected Client acting through your credentials.

8. Prohibited Activities

Users may not use the Platform to:

violate laws or regulations
engage in fraud or money laundering
evade tax or reporting obligations
misrepresent identity or business
circumvent KYC/KYB requirements
compromise Platform security

Petl Pay may suspend or terminate accounts for violations.

9. Intellectual Property and User Content

All software, documentation, branding, and content are owned by Rafiki Works LTD and licensed to users on a limited, non-exclusive basis.

9.1 User Content

You retain ownership of the data, invoices, project information, and other content you submit to the Platform ("User Content"). You grant Petl Pay a non-exclusive, worldwide, royalty-free licence to host, store, process, transmit, and display User Content solely as necessary to provide, secure, and improve the Platform and to comply with legal obligations.

You represent and warrant that you have all rights, consents, and permissions necessary to submit User Content, including any personal data of contributors, clients, or other individuals contained within it.

9.2 Feedback

If you provide suggestions or feedback about the Platform, Petl Pay may use them without restriction or obligation to you.

10. Disclaimers

The Platform is provided on an "as is" and "as available" basis.

Petl Pay disclaims all warranties including:

availability
accuracy
merchantability
fitness for purpose

Nothing on the Platform constitutes legal, tax, financial, or investment advice.

11. Limitation of Liability

To the maximum extent permitted by law:

Petl Pay is not liable for indirect, incidental, consequential, or punitive damages
Petl Pay is not liable for losses arising from authorised push payments, payment instruction errors, impersonation of you or your counterparties by third parties, or compromised communications
Petl Pay is not liable for losses caused by third-party financial providers or blockchain networks
Petl Pay is not liable for losses arising from actions taken by, or in reliance on output from, any Connected Client or AI agent accessing the Platform through your account

Total liability shall not exceed the greater of (a) the fees paid to Petl Pay in the preceding 12 months and (b) £100.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under the laws of England and Wales.

12. Indemnification

You agree to indemnify and hold harmless Petl Pay, Rafiki Works LTD, and their directors, officers, employees, and affiliates from claims arising from your use of the Platform, your MCP Access (including actions of any Connected Client acting through your credentials), or violation of these Terms.

13. Suspension and Termination

Petl Pay may suspend or terminate access where required by law, requested by a financial provider, or where user activity presents legal or operational risk.

You may close your account at any time by contacting us.

Upon termination: (a) your right to access the Platform ceases; (b) you may request an export of your User Content within 30 days, after which we may delete it subject to legal retention obligations; and (c) Sections 4, 7A, 9, 10, 11, 12, 14, and 16 survive termination.

14. Governing Law

These Terms are governed by the laws of England and Wales.

The courts of England and Wales have exclusive jurisdiction.

15. Modifications

Petl Pay may update these Terms from time to time.

Material changes will be notified through the Platform or by email before they take effect. Continued use of the Platform after the effective date constitutes acceptance of the updated Terms.

16. General Provisions

16.1 Severability. If any provision of these Terms is found to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible and the remaining provisions shall remain in full force and effect.

16.2 Entire Agreement. These Terms, together with the documents incorporated by reference, constitute the entire agreement between you and Petl Pay regarding the Platform and supersede all prior agreements and understandings relating to their subject matter.

16.3 No Waiver. No failure or delay by Petl Pay in exercising any right under these Terms constitutes a waiver of that right.

16.4 Assignment. You may not assign or transfer these Terms without Petl Pay's prior written consent. Petl Pay may assign these Terms in connection with a merger, acquisition, restructuring, or sale of assets.

16.5 Force Majeure. Petl Pay is not liable for any failure or delay caused by events beyond its reasonable control, including outages of third-party infrastructure, network or blockchain failures, acts of government, labour disputes, or acts of God.

16.6 Third-Party Rights. A person who is not a party to these Terms has no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any of these Terms, except that Rafiki Works LTD's directors, officers, employees, and affiliates may enforce the indemnity in Section 12.

16.7 Notices. Petl Pay may give notices via the Platform or to the email address associated with your account. You may give notice to Petl Pay at the contact address below.

17. Contact Information

For questions regarding these Terms, contact: greg@petlpay.com