For purposes of this Agreement, the following terms shall have the meanings set forth below:
(a) "Authorized User" means any employee, officer, representative, agent, administrator, personnel, contractor, system user, API integration, or other person or system authorized by the Client to access or use the Services on the Client's behalf.
(b) "Billing Statement" means any electronic statement, billing summary, account statement, transaction summary, receivable statement, payment request, or similar document generated, uploaded, transmitted, processed, stored, or managed through the Services.
(c) "Client" means any individual, corporation, partnership, entity, merchant, institution, organization, or user accessing or using the Services, whether on its own behalf or through its Authorized Users.
(d) "Invoice" means any electronic invoice, commercial invoice, sales invoice, charge invoice, receivable invoice, debit invoice, billing invoice, or similar electronic billing document generated, uploaded, transmitted, processed, stored, or managed through the Services.
(e) "Payment Order" means any electronic payment instruction, payment request, payment authorization, payment directive, disbursement instruction, settlement instruction, or similar transaction instruction submitted, initiated, transmitted, processed, or managed through the Services.
(f) "Services" means the e-Snapped platform, website, software, applications, APIs, systems, integrations, infrastructure, functionalities, tools, modules, and related services made available by e-Snapped, including services relating to electronic invoicing, billing statement generation, payment order processing, transaction management, reconciliation, reporting, integrations, notifications, and related electronic transaction activities.
(g) "Third-Party Provider" means any bank, financial institution, payment provider, payment gateway, cloud infrastructure provider, telecommunications provider, software provider, integration partner, contractor, vendor, or third-party service provider involved in the provision, support, operation, or facilitation of the Services.
(h) "Website" means the e-Snapped website, portal, web application, mobile application, or other online interface through which the Services are accessed or made available.
(i) References to "e-Snapped," "we," "our," or "us" refer to the applicable AltPayNet entity providing the Services to the Client pursuant to the relevant agreement, registration, onboarding, or contracting arrangement.
e-Snapped is a copyrighted web platform owned by AltPayNet, with legal representation in the Philippines (AltPayNet Corp.), Europe (AltPayNet Europe Limited), Hong Kong (AltPayNet Limited), Malaysia (AltPayNet (ASEAN) Limited), USA (AltPayNet USA LLC.), Australia (AltPayNet Pty. Ltd.), United Kingdom (AltPayNet Global Holdings Limited), Dubai (AltPayNet Payment Services Provider LLC), Dubai (AltPayNet Pulze Fze LLC), and Canada (AltPayNet Canada Corp).
This e-Snapped User Agreement, together with any related materials currently available or made available in the future, including any updates to these Terms shall govern your access to and use of the website published including any content, functionality, applications, and services offered on or through this website (individually and collectively, the "Services"), whether as a guest or a registered user.
PLEASE READ THIS AGREEMENT CAREFULLY BEFORE YOU START USING E-SNAPPED. BY USING THE SERVICES OR BY CLICKING TO ACCEPT OR AGREE TO THIS AGREEMENT WHEN THIS OPTION IS MADE AVAILABLE TO YOU, YOU ACCEPT AND AGREE TO BE BOUND AND ABIDE BY THIS AGREEMENT AND OUR PRIVACY POLICY, FOUND AT E-SNAPPED.IO, WHICH IS INCORPORATED BY THE REFERENCE.
e-Snapped is a software platform that enables users to create, generate, transmit, manage, and monitor electronic invoices, billing statements, payment requests, payment orders, and related transaction records through a Platform-as-a-Service (PaaS) environment.
e-Snapped may also facilitate integrations with third-party payment providers, financial institutions, accounting systems, enterprise systems, and related service providers for purposes of invoice processing, reconciliation, notification, and payment facilitation.
e-Snapped does not independently verify the accuracy, legality, completeness, tax treatment, or enforceability of any invoice, billing statement, payment order, or transaction instruction generated, uploaded, submitted, or transmitted by users through the platform.
Unless expressly stated otherwise in a separate written agreement, e-Snapped is not acting as:
(i) the merchant of record;
(ii) a buyer, seller, supplier, or payor/payee in the underlying commercial transaction;
(iii) an escrow agent, trustee, or fiduciary;
(iv) a tax advisor or accounting service provider; or
(v) a regulated deposit-taking institution.
The relationship between the parties is that of independent contracting parties. Nothing in this Agreement shall be construed to create any partnership, joint venture, agency, employment, fiduciary, or similar relationship between the parties.
By Using e-Snapped, you represent and warrant that you
To use e-Snapped, you are required to provide certain registration details and documents in order for us to set up your account. All information you provide in the registration process shall be accurate and complete. If any information changes, you shall promptly inform us about the said changes. You agree to protect and keep confidential all your e-Snapped account information including but not limited to your USERNAME and PASSWORD. Disclosure of these account information to any person or entity means that you assume all risk of losses associated with the action and that you are responsible for any transactions, activities, and other uses that occur as a result of the action. You agree to notify us immediately at the e-Snapped support facilities (as set forth at the end part of the Document) of any unauthorized use (or attempted unauthorized use) of your account.
Clients register billing recipients' details and Know-Your-Customers (KYC) information. If necessary or if asked by a partner Financial Institution, such as banks and payment institutions, the beneficiary or the CLIENT, or through the CLIENT shall be asked to provide additional documentation for Enhanced Due Diligence (EDD).
e-Snapped can be accessed over the internet using supported web browsers or applications and may require particular hardware and/or software. It is your sole responsibility to meet these requirements. In the event that we make available any desktop, mobile, or other applications for download as an extended service, you may download copies of those to your computer or mobile device solely for your own personal, non-commercial use, provided that you agree to be bound by any end-user license agreement that comes with said applications.
The Client acknowledges and agrees that invoices, billing statements, payment orders, transaction instructions, approvals, confirmations, notices, and other records generated, transmitted, received, or stored through the Services in electronic form shall constitute valid electronic documents and electronic records.
Electronic actions performed through the Client's account credentials, authorized user access, API credentials, system integrations, or approved workflows shall be deemed authorized actions of the Client.
The Client agrees not to dispute the validity or enforceability of electronic records solely on the basis that they are in electronic form.
The Services, Website, software, systems, APIs, designs, trademarks, content, technology, and related intellectual property are owned by e-Snapped or its licensors and are protected by applicable intellectual property laws.
Subject to this Agreement, e-Snapped grants the Client a limited, non-exclusive, non-transferable, revocable right to access and use the Services solely for lawful business purposes.
The Client shall not copy, modify, distribute, reverse engineer, interfere with, or create derivative works from the Services except as expressly permitted by applicable law or by e-Snapped in writing.
The Client shall be solely responsible for:
(i) the accuracy, completeness, legality, and validity of all invoices, billing statements, payment orders, tax information, recipient information, and transaction data submitted through the Services;
(ii) ensuring that all underlying commercial transactions are authorized and lawful;
(iii) compliance with applicable tax, accounting, invoicing, consumer protection, and recordkeeping laws; and
(iv) obtaining all necessary consents and authorizations relating to submitted transaction data.
e-Snapped shall not be responsible for verifying the correctness or legality of any billing, invoice, or payment instruction submitted by the Client.
The Client shall be solely responsible for all acts, omissions, instructions, approvals, and payment orders initiated through its account, authorized users, credentials, API integrations, or internal approval workflows.
e-Snapped shall be entitled to rely on transaction instructions and payment orders appearing to originate from the Client's authorized environment and shall have no obligation to independently verify the authority of the initiating individual or system.
The Client shall immediately notify e-Snapped of any suspected unauthorized access, credential compromise, fraud, or security incident affecting its account or transaction environment.
(a) The Client acknowledges and agrees that the Services may involve the collection, use, processing, storage, transmission, disclosure, and retention of personal data, billing data, transaction data, invoice records, payment instructions, financial information, customer information, and other commercially sensitive information necessary for the provision of the Services.
(b) The Client represents and warrants that:
i. all data, records, invoices, billing statements, payment orders, recipient information, and related information submitted through the Services were lawfully obtained and may be lawfully processed for the purposes contemplated under this Agreement;
ii. it has secured all necessary rights, authorizations, notices, and consents required under applicable data privacy, data protection, consumer protection, banking secrecy, and related laws;
iii. its use of the Services and submission of data through the platform shall comply with all applicable laws and regulations.
(c) The Client authorizes e-Snapped and its affiliates, subprocessors, technology providers, cloud infrastructure providers, financial institution partners, payment partners, integration partners, contractors, and service providers to process, transfer, host, store, access, and transmit data solely for purposes reasonably necessary to:
i. provide, maintain, support, improve, secure, and operate the Services;
ii. process invoices, billing statements, payment orders, transaction instructions, and related activities;
iii. perform fraud prevention, risk monitoring, system security, reconciliation, reporting, compliance, and audit functions;
iv. comply with legal, regulatory, contractual, operational, and law enforcement requirements.
(d) The Client acknowledges and agrees that data submitted through the Services may be processed, stored, backed up, or transferred across jurisdictions where AltPayNet or its service providers maintain operations, infrastructure, personnel, or facilities, subject to applicable data protection laws and reasonable security safeguards.
(e) e-Snapped shall implement commercially reasonable administrative, organizational, technical, and physical safeguards designed to protect data against unauthorized access, accidental loss, unlawful destruction, alteration, disclosure, or misuse. However, the Client acknowledges that no electronic transmission, cloud environment, software platform, or internet-based system can be guaranteed to be completely secure or free from interruption, intrusion, malware, cyberattack, or unauthorized access.
(f) The Client shall be solely responsible for:
i. maintaining the confidentiality and security of its account credentials, systems, devices, API credentials, and internal approval workflows;
ii. ensuring that only properly authorized persons are granted access to the Services;
iii. maintaining its own backup copies of records, invoices, reports, and transaction data where necessary.
(g) The Client shall promptly notify e-Snapped upon becoming aware of:
i. any unauthorized access or suspected unauthorized access to its account or systems;
ii. any data breach, cybersecurity incident, fraud event, credential compromise, or unlawful activity affecting the Services or data submitted thereto;
iii. any unauthorized invoice, payment order, billing instruction, or transaction activity.
(h) e-Snapped reserves the right to suspend, restrict, investigate, block, or refuse transactions, invoices, payment orders, account access, integrations, or use of the Services where reasonably necessary for:
i. fraud prevention;
ii. security protection;
iii. legal or regulatory compliance;
iv. risk management;
v. investigation of suspicious, unauthorized, unlawful, or abusive activity.
(i) e-Snapped may retain transaction records, invoices, billing statements, logs, communications, payment instructions, and related records for such periods as may be required under applicable laws, regulatory requirements, operational requirements, audit standards, internal retention policies, dispute resolution requirements, or legitimate business purposes.
(j) e-Snapped may disclose information where required by applicable law, regulation, court order, subpoena, lawful government request, regulatory directive, law enforcement request, or where reasonably necessary to:
i. enforce this Agreement;
ii. protect the rights, property, systems, users, or operations of e-Snapped;
iii. prevent fraud, security threats, financial crime, or unlawful conduct.
(k) Except as required under applicable law, e-Snapped does not assume responsibility for the Client's underlying commercial transactions, customer relationships, or the legality of Client-submitted data.
(l) Record Retention. e-Snapped may retain invoices, billing statements, payment orders, transaction records, logs, and related data for operational, legal, regulatory, security, audit, fraud prevention, and business purposes.
The Client remains responsible for maintaining its own copies and backups of records submitted through or generated from the Services.
e-Snapped does not guarantee permanent storage or continued availability of any records or data and may archive, restrict, or delete records following account suspension, termination, inactivity, or discontinuation of the Services, subject to applicable law and operational requirements.
The Services constitute technology and software services only.
e-Snapped does not provide legal, tax, accounting, audit, or financial advisory services. The Client remains solely responsible for determining the legal, tax, accounting, and regulatory treatment of its invoices, billing statements, payment orders, and underlying transactions.
e-Snapped reserves the right to review, suspend, restrict, reject, or block access to the Services, accounts, invoices, billing statements, payment orders, or transactions where reasonably necessary for security, fraud prevention, legal or regulatory compliance, risk management, or investigation of suspicious or unauthorized activity.
e-Snapped may request additional information or documentation for verification, compliance, or security purposes. Failure to provide requested information may result in suspension or restriction of access to the Services.
e-Snapped shall not be liable for any loss, delay, interruption, or damages arising from actions reasonably taken under this Section.
e-Snapped does not guarantee uninterrupted or error-free availability of the Services. The Services may be subject to scheduled maintenance, emergency maintenance, system upgrades, third-party service interruptions, telecommunications failures, banking network interruptions, or force majeure events.
The generation, transmission, presentation, or processing of an invoice, billing statement, or payment order through the Services does not constitute a guarantee that payment will be completed, settled, received, or honored.
Your use of the Services is at your sole risk. The Services are provided on an "AS IS" and "AS AVAILABLE" basis. We disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (i) your use or inability to use the Services; (ii) any unauthorized access to or use of our servers and/or any personal information stored therein; (iii) any interruption or cessation of transmission to or from the Services. To the fullest extent permitted by law, e-Snapped's total aggregate liability arising out of or relating to the Services or this Agreement shall not exceed the fees paid by the Client to e-Snapped for the Services during the three (3) months immediately preceding the event giving rise to the claim.
e-Snapped shall not be liable for:
(i) incorrect invoice data submitted by the Client;
(ii) duplicate, erroneous, unauthorized, or fraudulent payment instructions originating from the Client environment;
(iii) delays, reversals, failures, or interruptions caused by banks, payment providers, telecommunications providers, government systems, or third-party integrations;
(iv) tax assessments, penalties, accounting errors, or reporting inaccuracies arising from Client-provided data; or
(v) disputes between the Client and its customers, vendors, payors, or counterparties.
You agree to defend, indemnify, and hold harmless e-Snapped, its affiliates, and their respective officers, directors, employees, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the Services; (ii) your violation of any term of this Agreement; (iii) your violation of any third-party right, including without limitation any copyright, property, or privacy right.
We may terminate or suspend your access to the Services, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach the Agreement. Upon termination, your right to use the Services will immediately cease. If you wish to terminate your account, you may discontinue using the Services.
This Agreement shall be governed by and construed in accordance with the laws of the jurisdiction where the relevant AltPayNet contracting entity is registered, excluding its conflict of laws principles.
Subject to any separate written agreement between the parties, any dispute arising out of or relating to this Agreement or the Services shall be finally resolved by arbitration administered by the Singapore International Arbitration Centre (SIAC) in accordance with the SIAC Rules then in force. The seat of arbitration shall be Singapore. The arbitration shall be conducted in English before a single arbitrator.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
You may close your account through contacting the e-Snapped support facilities as set forth in the official website. You may also close by informing us of the change that you want to apply via the official e-Snapped support facilities.
The Services may be accessible from jurisdictions where AltPayNet does not maintain a registered entity. However, AltPayNet makes no representation that the Services are lawful, available, or appropriate for use in all jurisdictions.
Users accessing the Services from jurisdictions outside AltPayNet's operational territories do so at their own initiative and are solely responsible for compliance with applicable local laws and regulations.
(a) We reserve the right at any time and for any reason, to modify or discontinue any aspect or feature of the Services or to modify this Agreement. In addition, we reserve the right to provide you with additional terms and conditions that may govern your use of the Services generally, unique parts of the Services, additional functionality or applications made available to you as part of the Services, or any or all of these ("Additional Terms"). Any such Additional Terms that we may provide to you will expressly reference this Agreement, will be effective upon notice, and be incorporated by reference into this Agreement. To the extent any Additional Terms directly conflict with this Agreement, the Additional Terms will control.
(b) Subject to the next paragraph, modifications to this Agreement will become effective three (3) days after posting on the website or, if we notify you by email or conventional mail, as stated in the email message or conventional mailing. Your access to and use of the Services or website after the effective date of any modification of this Agreement will signify your assent to and acceptance of the same. If you object to any subsequent revision to this Agreement, immediately discontinue use of the Services or website. All counteroffers to this Agreement (or amendments to the same) are categorically rejected.
(c) If a dispute arises out of or relates to the website or this Agreement, including, without limitation, any Additional Terms or their breach (the "Dispute"), the parties agree that the Agreement in effect at the time the Dispute arose shall apply to the Dispute, including any amendments to the Agreement posted prior to the dispute arising. No amendment to the Agreement shall apply to any Dispute as to which we had notice prior to posting the amendment.
(a) We may provide third-party content through our website or Services. Any such third-party content represents the opinions and judgments of the third-party. We do not endorse, warrant and are not responsible for the accuracy, timeliness, completeness, or reliability of any opinion, advice, or statement that may be made in such third-party content and expressly disclaim any warranties with respect to the same.
(b) We may provide links to other websites maintained by third parties. We do not operate or control, in any respect, or necessarily endorse the content found on these third-party websites. You assume sole responsibility for your use of third-party links. We are not responsible for any content posted on third-party websites or liable to you for any loss or damage of any sort incurred as a result of your dealings with any third-party or their website.
(a) Force Majeure. e-Snapped shall not be liable or responsible to you, nor be deemed to have defaulted or breached this Agreement, for any failure or delay in fulfilling or performing any term of this Agreement when and to the extent such failure or delay is caused by or results from acts or circumstances beyond the reasonable control of e-Snapped including, but not limited to, acts of God, flood, fire, earthquake, explosion, governmental actions, war, invasion or hostilities (whether war is declared or not), terrorist threats or acts, riot, or other civil unrest, national emergency, revolution, insurrection, epidemic, lock-outs, strikes or other labor disputes (whether or not relating to either party's workforce), or restraints or delays affecting carriers or inability or delay in obtaining supplies of adequate or suitable materials, materials or telecommunication breakdown or power outage, provided that, if the event in question continues for a continuous period in excess of ten (10) days, you shall be entitled to give notice in writing to e-Snapped to terminate this Agreement.
(b) Entire Agreement. This Agreement, any Additional Terms, any separate but relevant Pricing Agreements, and our Privacy Policy constitute the entire agreement between you and us with respect to your use of the Services, and supersede all previous written or oral agreements between the parties with respect to such subject matter.
(c) Waiver and Severability. No waiver of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. If any provision of this Agreement is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Agreement will continue in full force and effect.
(d) Assignment. You may not transfer or assign any rights or obligations you have under this Agreement without e-Snapped's prior written consent. e-Snapped reserves the right to transfer or assign this Agreement or any right or obligation under it at any time.
(e) Communications. You consent to receiving communications from e-Snapped electronically. You agree that we have the right to communicate with you by email or by posting notices on this website. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
The Services (including this website) are owned and operated by AltPayNet. All questions about your account, requests for support, feedback, comments, and other communications relating to the Services should be directed to the e-Snapped Support Facilities at support@e-Snapped.com.
Thank you for using e-Snapped!