1. The agreement
These terms are a contract between you — the company or person using the Service — and Ownaris LLC, registered at 20 rue du presbytère, 69008 Lyon, France ("Ownaris", "we", "us").
By creating an account, calling the API, or using the platform, you accept them. If you accept on behalf of a company, you confirm you are authorised to bind it. The Service is for business use; it is not offered to consumers.
Our Privacy Policy and, where signed, our Data Processing Agreement form part of this contract.
2. Your account
You must give accurate registration and verification information and keep it current. You are responsible for everything that happens under your credentials and API keys, so keep them secret and enable multi-factor authentication. Tell us immediately at contact@ownaris.io if you suspect a compromise.
We may refuse, suspend, or close an account where verification fails, where a processor or card scheme requires it, or where the law does.
3. The Service
Ownaris provides checkout and funnel infrastructure, payment orchestration across third-party processors, subscription and dunning logic, and CRM with email and SMS — as an API, an SDK, and a dashboard.
We improve the Service continuously. We will not remove a material feature or make a breaking API change without at least 90 days' notice, announced by email and on the changelog. Beta features are marked as such and are provided as-is.
Features described as "coming soon" — including native Ownaris processing — are not part of what you are buying today, and no commitment is made about their timing.
4. Fees and billing
- The platform fee is 1.25% + 29¢ per successful transaction, unless a written order form says otherwise.
- Fees charged by your processors, acquirers, and card schemes are separate and are billed by them directly.
- Message-based charges for email and SMS, where they apply, are billed at the rates shown in the dashboard.
- Fees are invoiced monthly in arrears and charged to the payment method on file. Amounts are exclusive of VAT and other taxes, which you owe on top.
- Failed payments may be retried. Invoices unpaid after 15 days may lead to suspension, and late amounts may carry interest at 1.5% per month, or the maximum permitted by law.
- Fees already paid are non-refundable except where the law requires otherwise.
We may change pricing with 30 days' notice. If you do not accept a change, you may terminate before it takes effect.
5. Payment processing
Ownaris orchestrates payments; it is not the acquirer of record for transactions routed to a third party. Your relationship with each processor is governed by that processor's own agreement, and their decisions on approvals, reserves, holds, and terminations are theirs alone.
You are responsible for chargebacks, refunds, and fines assessed against your merchant accounts, and for complying with the card scheme rules that apply to your business.
Routing and cascade logic is best-effort optimisation. We make no guarantee of any approval rate, recovery rate, or settlement time, and the figures shown in our marketing are historical aggregates, not promises.
6. Acceptable use
You must not use the Service to:
- Sell anything illegal where you operate, or anything prohibited by your processors or the card schemes.
- Run card testing, launder money, or otherwise commit fraud.
- Send messages to people who have not consented, in breach of anti-spam law.
- Mislead buyers about prices, subscription terms, renewal dates, or cancellation.
- Probe, load-test, reverse engineer, or circumvent rate limits without written permission.
- Resell or white-label the Service without a written agreement.
We may suspend immediately, without notice, where continued use presents a risk of fraud, legal exposure, or harm to the platform. We will tell you why as soon as we reasonably can.
7. Your data
You own the data you and your customers put into the Service. You grant us a licence to host, process, and transmit it solely to operate the Service and to meet our legal duties.
For personal data about your customers, you are the controller and we are the processor. You are responsible for having a lawful basis, for your own privacy disclosures, and for handling requests from your customers.
You can export your data at any time. After termination we keep it available for 30 days, then delete it, subject to what we must retain by law.
8. Intellectual property
We own the Service, the software, the documentation, and our brand. You get a non-exclusive, non-transferable right to use them while this agreement is in force. Our SDKs are additionally covered by the licence shipped in the package.
Feedback you send us may be used freely and without obligation. We may name you as a customer and use your logo unless you object in writing.
9. Availability and support
We target 99.99% monthly uptime for the payment API, excluding scheduled maintenance announced in advance and failures at third-party processors. Any service credits are set out in your order form and are your sole remedy for downtime.
Support is available at contact@ownaris.io. Response targets depend on your plan.
10. Warranties
Each side warrants it has the authority to enter this agreement. We warrant that we will provide the Service with reasonable skill and care.
Beyond that, and to the fullest extent the law allows, the Service is provided "as is", without implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be uninterrupted or error-free, or that it will produce any particular revenue outcome.
11. Limitation of liability
Neither side is liable for indirect, incidental, special, or consequential loss, or for lost profits, revenue, goodwill, or data, even if warned it was possible.
Our total aggregate liability under this agreement is capped at the fees you paid us in the 12 months before the event giving rise to the claim.
Nothing here limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot be limited by law.
12. Indemnity
You will defend and indemnify us against third-party claims, fines, and scheme assessments arising from your products, your storefront content, your messaging, your breach of section 6, or your infringement of someone else's rights.
13. Term and termination
This agreement runs until terminated. You may terminate at any time from the dashboard; there is no lock-in. We may terminate for convenience on 30 days' notice, or immediately for material breach that is not fixed within 15 days of notice, for insolvency, or where a regulator or processor requires it.
On termination, access ends, outstanding fees become due, and the export window in section 7 applies. Sections 7, 8, 11, 12, and 15 survive.
14. Changes to these terms
We may update these terms. Material changes take effect 30 days after we notify you by email and in the dashboard. Continuing to use the Service after that means you accept them; if you do not, terminate before the date.
15. General
Disputes are handled directly with us in the first instance — write to contact@ownaris.io and we will work in good faith to resolve them.
If a provision is held unenforceable, the rest stays in force. A failure to enforce a right is not a waiver of it. You may not assign this agreement without our consent; we may assign it to an affiliate or an acquirer.
16. Contact
Questions about these terms: contact@ownaris.io.
Notices must be sent to Ownaris LLC, 20 rue du presbytère, 69008 Lyon, France, and to contact@ownaris.io. Telephone: +1 (636) 216-0423.