Terms & Conditions

These terms cover your use of the TechSecure DigiPay mobile app and any services connected to it (together, the "app"). The app is provided by TechSecure ("we", "us" or "our"). By downloading, installing or using the app, you agree to these terms, so please read them before you begin.

Your licence to use the app

As long as you keep to these terms, we give you a personal, limited, non-exclusive, non-transferable and revocable licence to install and use the app on a mobile device for your own use or for running your own business. You may not copy, distribute, change, build derivative works from, reverse engineer, decompile or take apart the app, except where the law expressly allows it despite this restriction.

Ownership

The app and everything in it — its code, design, trademarks, service marks, names, logos and branding — belong to us or our licensors. These terms give you no right to use our trademarks, logos or branding for any purpose. You must not remove, change or hide any copyright, trademark or other ownership notice shown in or with the app.

Who may use the app

By using the app, you confirm that you are allowed to do so where you live, and that you are at least 16 years old, the age of digital consent in many places. If you are younger than 16, a parent or legal guardian must read and accept these terms on your behalf.

Suspending or ending your access

If you seriously break these terms, we may suspend your access. We will tell you in writing what the problem is, and where it can be fixed you will have 14 days from that notice to put it right. If you do not, we may end your access. We may suspend or end your access straight away, and without notice, if you break the law, infringe someone's intellectual property, or do something that could harm other users or us. When your access ends, your right to use the app ends with it, and you must remove every copy from your devices.

Acceptable use and content

If we add features that let you post, share or upload content, you agree not to submit anything that:

• is illegal or infringes someone else's intellectual property, such as copyright, trademarks or patents
• is abusive, threatening, harassing, defamatory or hateful
• discriminates against people, or encourages violence or unlawful acts
• is spam or phishing, or carries malware
• breaches other people's privacy or data rights
• is misleading, false or deceptive
• contains graphic violence or sexual material without appropriate age restrictions

Where such features exist, we may:

• take down or block content that breaks these rules
• suspend or close the accounts of people who break them repeatedly
• work with law enforcement where illegal content is reported
• moderate, filter or hide content that breaks these terms, the law or the rules above

Depending on how a feature works, content you submit may be visible to other users or to the public.

If you believe content in the app breaks these terms, infringes your rights or is unlawful, report it to us at admin@techsecuresoftware.com with enough detail for us to find the content, assess the report and reach you if we need to follow up. Where the app offers them, you can also report content, block a user or mute notifications from within the app, and we review in-app reports to the same standard.

We may look into reported content, ask for more detail, remove or limit access to it, and act on the account responsible where appropriate. If a moderation decision affects you, you can write to us at admin@techsecuresoftware.com to ask us to look again; we will reply within a reasonable time and, subject to the law, explain the reasons for any decision we uphold.

If you submit content, you give us a non-exclusive, worldwide, royalty-free licence to use, copy, distribute, adapt, display and perform it in connection with the app and our business. This does not let us sell or sub-license your content to third parties on its own, apart from the app. You confirm that you own or control the rights to anything you submit, and that it does not break these terms or the law. Content you submit may contain personal data; we handle that data under our Privacy Policy, and you must not post other people's personal data without their consent.

Charges and changes to the service

We want the app to be as useful and efficient as possible, so we may change it, or introduce charges for it or for related services, at any time. If we ever charge for something, we will make the cost clear to you first.

Your device and your responsibilities

The app stores and processes the information you give us so that it can provide the service, and keeping your device and your access to the app secure is your responsibility. We strongly advise against jailbreaking or rooting your device — removing the restrictions set by its operating system — because it can expose the device to malware and security problems and may stop the app working properly.

Third-party services

The app uses the following third-party service, which has its own terms:

• Firebase Crashlytics

Connectivity and charges

Some features need an active internet connection, over Wi-Fi or your mobile network. We are not responsible if the app does not work fully because you have no Wi-Fi or have used up your data allowance. If you use the app outside a Wi-Fi area, your mobile provider's terms still apply, and you may be charged for data — including roaming charges if you use the app outside your home region without turning off data roaming. By using the app, you accept responsibility for these charges. If you are not the person who pays the bill for the device, we assume you have that person's permission. In the same way, keeping your device charged is your responsibility; if it runs out of power and you cannot use the service, that is not something we are responsible for.

Nothing in these terms takes away any rights you have under consumer protection laws that cannot lawfully be excluded.

Limitation of liability

So far as the law allows, we are not liable for any indirect, incidental, special, consequential or punitive losses, including lost profits, lost data or business interruption, even if we were warned they might happen.

We do, however, remain fully liable for:

• death or personal injury caused by our negligence
• fraud or fraudulent misrepresentation
• anything else that cannot be excluded or limited by law

So far as the law allows, our total liability for any claim will not be more than the amount you paid us for the app in the 12 months before the claim, or the minimum the law requires, whichever is higher. If the app is provided free of charge, our liability is limited to the smallest amount the law permits. We are not liable for any loss, direct or indirect, caused by you relying entirely on third-party information provided through the app, or by errors in content supplied by third parties.

Indemnity

So far as the law allows, you agree to cover and hold harmless us, our group companies, and our officers, directors, employees and agents from claims, liabilities, damages, losses and expenses, including reasonable legal costs, that arise directly from your breach of these terms or your deliberate misuse of the app, including any content you submit in breach of these terms. This does not apply to claims caused by our own negligence, our breach of these terms, or our breaking the law, and where the law limits this kind of indemnity it applies only to the extent allowed.

Updates and availability

We may update the app from time to time. The requirements of the operating systems it supports can change, and you may need to install updates to keep using it. We do not promise always to update the app, to keep it compatible with your device's operating system version, or to keep it available at all; we may stop offering it, or end its use, at any time and without telling you in advance. You should install updates when they are offered — if you do not, we may stop supporting older versions and the app may not work properly. Unless we tell you otherwise, when your use ends the rights and licences in these terms end, and you must stop using the app and, if needed, delete it from your device.

Governing law and jurisdiction

These terms are governed by the laws of the place where we are established, ignoring its conflict-of-law rules, except where mandatory consumer protection laws say otherwise. Any dispute connected with these terms will be dealt with by the courts that have jurisdiction under applicable law, and nothing here limits any right you may have to bring a claim in a court that is competent under mandatory law.

Digital Services Act (DSA)

If the app counts as an intermediary service under the Digital Services Act (Regulation (EU) 2022/2065, the "DSA"), the following apply in addition to the terms above.

Point of contact: we keep a single point of contact through which EU authorities and users can reach us directly, at admin@techsecuresoftware.com. Where we are established outside the EU, we have appointed a legal representative in the EU as required by Article 13 of the DSA.

Statement of reasons: when we restrict access to content, suspend or close an account, or otherwise limit a feature, we give the affected user a clear and specific statement of reasons — covering what has been restricted, the legal or contractual basis for it, and the options for challenging it — in line with Article 17 of the DSA.

Notice and action: you, or any third party, can tell us about allegedly illegal content using the contact details in these terms. We handle such notices promptly and carefully, with human review where the situation calls for it, acknowledge them electronically, and communicate a decision without undue delay, in line with Article 16 of the DSA.

Out-of-court dispute settlement: disputes about our moderation decisions, including decisions to restrict content or suspend accounts, can be referred to an out-of-court dispute settlement body certified under Article 21 of the DSA, and we will engage with such bodies in good faith. Using this route does not affect your right to go to court under applicable law.

Transparency reporting: we publish periodic transparency reports on our moderation activity — including how many notices we received, what we did, and any automated tools used — in line with Article 24 of the DSA, available on request at admin@techsecuresoftware.com.

These DSA provisions apply only so far as the app qualifies as an intermediary service under the DSA, and they do not replace or limit any rights or duties under applicable consumer protection or data protection law.

If part of these terms fails

If a court decides that any part of these terms is invalid, unlawful or unenforceable, that part will be narrowed to the least extent needed to make it valid and enforceable, and the rest of the terms will continue in full effect.

The whole agreement

These terms, together with the Privacy Policy, are the entire agreement between you and us about your use of the app, and they replace any earlier agreements or understandings on the subject.

Changes to these terms

We may update these terms from time to time, so please check this page now and then. We will let you know about changes by posting the new terms here. Earlier versions are kept and can be requested at admin@techsecuresoftware.com.

These terms take effect on 2026-07-21.

Contact us

If you have any question or suggestion about these terms, contact us at admin@techsecuresoftware.com.