Terms & Conditions

Effective Date: March 31, 2026

These Terms & Conditions (“Terms”) govern your use of the website payneandglory.com (the “Website”) operated by Payne & Glory Inc. (“Company,” “we,” “us,” or “our”).

By accessing or using this Website or any of our services, you agree to be bound by these Terms. If you do not agree, do not use the Website.

1. Use of Website

You agree to use the Website only for lawful purposes.

You may not:

- Violate any laws or regulations

- Attempt to gain unauthorized access to systems

- Interfere with Website functionality

- Use the Website for fraudulent or harmful activity

We reserve the right to restrict or terminate access at any time.

2. Services

We provide services as described on the Website or through direct agreements.

We reserve the right to:

- Modify or discontinue services at any time

- Refuse service to anyone

- Set or change pricing

All services are subject to availability and acceptance.

3. Payments and Billing

You agree to pay all fees associated with services.

Payments must be made in full and on time

We may charge your payment method on file

Late payments may result in suspension or termination

Unless otherwise stated:

- All payments are non-refundable

- Fees are final once charged

- You authorize us to store and charge your payment method for agreed services.

4. Subscriptions (If Applicable)

If you enroll in recurring services:

- You will be billed automatically based on the selected plan

- You must cancel before the next billing cycle to avoid charges

- No prorated refunds unless explicitly stated

5. Chargebacks and Disputes

You agree not to initiate chargebacks without first contacting us.

If a chargeback is initiated:

- You may be liable for the full amount disputed

- Additional fees may be applied

- Your account may be terminated immediately

We reserve the right to pursue collection or legal action.

6. Intellectual Property

All content on the Website is owned by or licensed to Payne & Glory Inc.

You may not:

- Copy, reproduce, or distribute content

- Use our branding without permission

All rights are reserved.

7. User Content

If you submit content:

- You grant us a non-exclusive, royalty-free license to use it

- You confirm you have the rights to submit it

- We may remove content at our discretion.

8. Disclaimer of Warranties

The Website and services are provided “as is.”

We make no guarantees regarding:

- Results or outcomes

- Accuracy of information

- Availability or uptime

Use is at your own risk.

9. Limitation of Liability

To the maximum extent permitted by law:

Payne & Glory Inc. is not liable for:

- Indirect, incidental, or consequential damages

- Loss of profits, data, or business

- Our total liability is limited to the amount you paid us.

10. Indemnification

You agree to defend and hold harmless Payne & Glory Inc. from any claims arising from:

- Your use of the Website

- Your violation of these Terms

- Your misuse of services

11. Termination

We may suspend or terminate your access at any time, without notice, for any reason.

You remain responsible for any outstanding payments.

12. Governing Law

These Terms are governed by the laws of the State of Delaware.

Any disputes will be resolved in the appropriate courts of Delaware.

13. Changes to Terms

We may update these Terms at any time.

Continued use of the Website means you accept the updated Terms.

14. Contact Information

Payne & Glory Inc.
Website: payneandglory.com
Email: [email protected]