Terms of Service

I. Gen­eral Statements

By sub­scrib­ing to the ser­vices pro­vided with the use of the Pay­ment Gate­way and the Mer­chant Panel (here­inafter: the Ser­vice) and sub­mit­ting the mer­chant appli­ca­tion form you agree and acknowl­edge that you have entered into a legally bind­ing and enforce­able agree­ment with PayLane. It is also deemed that you have famil­iar­ized your­self with this doc­u­ment and granted con­sent to each and every pro­vi­sion hereof. If you do not agree with all terms and con­di­tions stated in this doc­u­ment, please do not use our Service.

PayLane pro­vides the soft­ware that enables mer­chants to trans­fer data to autho­riza­tion and clear­ing cen­tres or banks (acquir­ers) in order to process online pay­ment trans­ac­tions (such as: credit card pay­ments, MOTO and online pay­ments, recur­ring bills) ini­ti­ated by their cus­tomers and man­age data regard­ing such transactions.

PayLane is not an acquirer and does not ren­der bank­ing ser­vices under the Ser­vice. It only pro­vides a pay­ment gate­way and tech­ni­cal sup­port in the trans­fer­ring of data to respec­tive acquir­ers in order to process thereby pay­ment trans­ac­tions over the Inter­net. The open­ing of the User Account does not con­sti­tute the open­ing of the bank account for the User.

For the pur­pose of these Terms of Ser­vice the fol­low­ing terms shall have the fol­low­ing meanings:

“PayLane” – means PayLane UK Ltd., 46 Sta­tion Road, North Har­row, Mid­dle­sex HA2 7SE, United King­dom, the Reg­is­trar of Com­pa­nies for Eng­land and Wales, Com­pany num­ber 6493144, who acts as the Ser­vice Provider,

“Mer­chant” – means any nat­ural or legal per­son or other entity who con­ducts busi­ness activ­ity with the use of the Inter­net, that is, sells goods and/or ser­vices over the Internet,

“User” – means a Mer­chant who sub­scribed to the Ser­vice avail­able on the PayLane.com web­site and was approved by PayLane pur­suant to Clause II PayLane Ser­vice sub-clause 6 herein,

“User Account” – means an indi­vid­ual account opened for the User within the Mer­chant Panel which may be accessed only with the use of a cor­rect login and pass­word; the User Account is an admin­is­tra­tion area, which helps the User man­age their data regard­ing online pay­ment trans­ac­tions. Within the User Account there may be indi­vid­ual sub­ac­counts cre­ated for per­sons autho­rized by the User.

“Pay­ment Gate­way” — means a func­tion­ing soft­ware that is linked with autho­riza­tion and clear­ing cen­tres, acquir­ing banks and other finan­cial insti­tu­tions and which allow to trans­fer data to their infor­ma­tion sys­tems in order to process thereby online pay­ment transactions,

“Mer­chant Panel” – means func­tion­ing soft­ware avail­able under URL: https://merchant.paylane.com con­sist­ing of a num­ber of indi­vid­ual User Accounts; the said soft­ware allows the Users to view and man­age data regard­ing online pay­ment trans­ac­tion in their User Accounts.

“The Agree­ment” and “Terms of Ser­vice” shall mean the same.

These Terms of Ser­vice gov­ern the reg­is­tra­tion and use of the PayLane Service.

Head­ings are for ref­er­ence pur­poses only and in no way define, limit, con­strue or describe the scope or extent of such section.

II. PayLane Service

1. The Ser­vice is ded­i­cated to the Mer­chants who obtained the “User” status.
2. Within the Ser­vice PayLane:
   1. pro­vides sys­tem tools that enable nec­es­sary com­mu­ni­ca­tion between the User’s web­site and the Pay­ment Gateway;
   2. pro­vides two meth­ods of User’s web­site inte­gra­tion with the Pay­ment Gate­way, con­sist­ing in:
      1. enabling the User to direct his cus­tomer via Pay­ment Gate­way from the User’s web­site to the PayLane web­site that con­tains a secure trans­ac­tion form; or
      2. enabling all data entered by the cus­tomer on the User’s web­site to be trans­ferred to PayLane sys­tems via PayLane API;
   3. enables the User:
      1. to trans­fer data pro­vided by the cus­tomer from PayLane sys­tems to a respec­tive acquir­ing bank, an autho­riza­tion and clear­ing cen­tre or other finan­cial insti­tu­tion which then enables the pro­cess­ing of pay­ment (e.g. in the case of credit card pay­ments or direct deb­its); or
      2. to redi­rect the cus­tomer to the web­site of a respec­tive acquir­ing bank or other finan­cial insti­tu­tion which enables online pay­ment to be made (e.g. in the case of wire trans­fer pay­ments or giropay);

      If the customer’s pay­ment instruc­tion is not rejected by the said finan­cial insti­tu­tion, the customer’s pay­ment is trans­ferred to the User’s indi­vid­ual mer­chant account opened in such insti­tu­tion and the result of the trans­ac­tion is recorded on the User Account.

   4. opens for the User a User Account within the Mer­chant Panel. The User Account allows for, among others,:
      1. view­ing lists of car­ried out trans­ac­tions, autho­riza­tion lists and sales errors, lists of refunds, rever­sals and chargebacks;
      2. man­u­ally ini­ti­at­ing refunds or resales;
      3. using a vir­tual ter­mi­nal for MOTO transactions;
      4. view­ing the User Account statistics;
      5. access­ing User Account settings;
      6. set­ting IP addresses, from which con­nec­tion with PayLane’s API will be car­ried out;
      7. access­ing the list of sub­ac­counts autho­rized to enter the User Account;
      8. set­ting a black­list for trans­ac­tions which the User does not want to accept;
      9. chang­ing email noti­fi­ca­tions set­tings, the pass­word to the User Account;
      10. access­ing tech­ni­cal documentation;
3. The Ser­vice includes also other func­tions, such as:
   1. suc­cess­ful and failed trans­ac­tions search;
   2. anti-fraud infor­ma­tion which assesses trans­ac­tion risk on a scale of 1 to 10;
   3. risk sta­tis­tics (the ratio of refunds to suc­cess­ful transactions);
   4. access to PayLane invoices addressed to the User;
   5. mech­a­nism allow­ing for export­ing pay­ment trans­ac­tions data to a csv or pdf file;
   6. stor­ing of iden­tity data of the User’s cus­tomers who entered such infor­ma­tion when mak­ing pur­chase in the User’s webstore.
4. In order to sub­scribe to the Ser­vice the Mer­chant shall fill in and sub­mit an appli­ca­tion form that may be found on http://paylane.com/application, and pro­vide rel­e­vant doc­u­ments, which are required by PayLane to ver­ify the Merchant’s credibility.
5. The Mer­chant may be refused for the Ser­vice, in par­tic­u­lar, if:
   1. the Mer­chant does not meet the stan­dards set by acquir­ing banks, autho­riza­tion and clear­ing cen­tres or other finan­cial insti­tu­tions selected by that Mer­chant and all those insti­tu­tions refused to ren­der their ser­vices to the Merchant;
   2. the Merchant’s enter­prise does not cor­re­spond with the busi­ness model accepted by PayLane;
   3. the Mer­chant pro­vided infor­ma­tion which is false, inac­cu­rate or incom­plete and did not cor­rect the infor­ma­tion despite PayLane’s request;
6. If the Mer­chant is approved for the Ser­vice, they obtain the “User” sta­tus, the User Account is opened for the User and they are being given user names and pass­words for the sub­ac­counts autho­rized to enter the User Account, an API user name and pass­word, as well as other data nec­es­sary to use a secure trans­ac­tion form. The User is respon­si­ble to keep his user names and the pass­words in secrecy.
7. The User shall inte­grate their busi­ness website(s) with the Mer­chant Panel using the sys­tem tool pro­vided to them by PayLane. PayLane pro­vides feed­back sup­port in imple­ment­ing the sys­tem tool. PayLane shall ver­ify the con­tent and func­tion­al­ity of the User’s web­site from the point of view of PayLane’s accepted stan­dards, how­ever not later than within 14 days from receipt of the infor­ma­tion from the User.
8. The User and PayLane may agree that PayLane’s logo­type is placed on the User’s website.
9. Upon reg­is­tra­tion to the Ser­vice, the User:
   1. agrees to be bound by these Terms of Ser­vice and PayLane Pri­vacy Pol­icy avail­able at: http://paylane.com/privacy-policy;
   2. under­takes to main­tain and update all infor­ma­tion pro­vided in the appli­ca­tion form, so that it is cor­rect, com­plete and accurate;
   3. under­takes to use the Ser­vice in accor­dance with these Terms of Ser­vice, applic­a­ble laws, as well as rules, reg­u­la­tions and pro­ce­dures of rel­e­vant acquir­ing banks, autho­riza­tion and clear­ing cen­tres and/or other finan­cial institutions.
10. The Ser­vice will oper­ate prop­erly on Inter­net Explorer 7.0 or higher, Mozilla Fire­fox, Safari, Chrome and Opera web browsers.
11. PayLane will send newslet­ters and com­mer­cial com­mu­ni­ca­tions to the User only when they grant express con­sent thereto.
12. PayLane may change the method of access to the Ser­vice at any time, if it is nec­es­sary to ensure a secure and sta­ble envi­ron­ment for the Ser­vice. The User agrees that, in the event of degra­da­tion or insta­bil­ity of the Ser­vice or an emer­gency, PayLane may tem­porar­ily sus­pend the User access to the Ser­vice in order to min­i­mize threats to and pro­tect the oper­a­tional sta­bil­ity and secu­rity of the Service.

III. User Obligations

1. The User shall:
   1. use the Ser­vice in accor­dance with the applic­a­ble laws, these Terms of Ser­vice and PayLane Pri­vacy Pol­icy avail­able at: http://paylane.co.uk/paylane-privacy-policy;
   2. review trans­ac­tions processes ini­ti­ated with the use of the Pay­ment Gate­way on a reg­u­lar basis and notify PayLane promptly of any sus­pected unau­tho­rized activity;
   3. if it was agreed so between PayLane and the User — place on pages of their web­site the PayLane logo­type con­nected with a link direct­ing to the PayLane web­site and keep it for the dura­tion of the use of the Service;
   4. main­tain their web­site, con­nec­tions to the Inter­net and ful­fil all orders for goods and/or ser­vices sold by the User;
   5. col­lect, store and trans­mit cer­tain trans­ac­tion and cus­tomer infor­ma­tion, in a secure man­ner, pro­tect the pri­vacy of such data, and com­ply with requests from PayLane to take rea­son­able action to main­tain the secu­rity and integrity of the Service.
2. If the Mer­chant or the User pro­vides PayLane with infor­ma­tion which turns out to be false or incom­plete PayLane will be enti­tled to refuse admis­sion to or sus­pend the Ser­vice or its part (for instance dis­abling the User Account).
3. PayLane reserves the right to refuse the pro­cess­ing of pay­ments effected by cer­tain cus­tomers, if PayLane has any rea­son­able doubts as to the legal­ity of the trans­ac­tion by virtue of which the pay­ment is made or to the legal­ity of the pay­ment itself.
4. PayLane may also refuse grant­ing access to the PayLane web­sites, the Ser­vice and/or ter­mi­nate the Ser­vice should the Mer­chant or the User:
   1. was noti­fied to be using the Ser­vice for ille­gal or expressly pro­hib­ited practices;
   2. was found infring­ing on the Ser­vice, PayLane web­sites or any other PayLane services;
   3. inten­tion­ally or mali­ciously evade the oblig­a­tions stated in these Terms of Service.
5. PayLane reserves the right to issue a warn­ing note should the User use the Ser­vice for any abu­sive or ille­gal prac­tices. Appro­pri­ate actions, such as dis­abling the sub­ac­count or the User Account, ter­mi­nat­ing the Ser­vice and/or report­ing the User and the inci­dent to the appro­pri­ate author­i­ties shall be taken imme­di­ately should the User be per­form­ing such prac­tices, despite the explicit warning.

IV. Pro­hib­ited Practices

1. The fol­low­ing prac­tices are strictly prohibited:
   1. using the PayLane web­sites or the Ser­vice in a man­ner that vio­lates any applic­a­ble law or infringe third per­sons rights. In par­tic­u­lar, the Ser­vice may not be used to sale goods or ser­vices which sale is pro­hib­ited by the law or is reg­u­lated and the User has not obtained a licence (permit);
   2. attempt­ing to dis­cover PayLane’s source code – parts or all of it, ,
   3. sub­li­cens­ing, rent­ing, leas­ing or any other mak­ing avail­able for use any por­tion of the Service;
   4. allow­ing the sub­ac­counts or the User Account to be used for any ille­gal pur­pose or used by any unau­tho­rised per­son for any purpose;
   5. tak­ing any action which imposes an unrea­son­able or dis­pro­por­tion­ately large load on the web­site net­work or other PayLane ser­vice infrastructure.
2. It is pro­hib­ited to use any hard­ware or soft­ware intended to dam­age or inter­fere with the proper and timely func­tion­ing of the Ser­vice or to sur­rep­ti­tiously inter­cept any sys­tem, data or per­sonal infor­ma­tion from the PayLane web­site, servers and/or the Service.

V. User Sup­port Ser­vice and Com­plaint Procedure

1. Every User gets a ded­i­cated con­sul­tant, who will pro­vide them sup­port services.
2. PayLane pro­vides sup­port ser­vices also via email at: and tele­phone: +48 58 732 21 11. Users may also con­tact PayLane sup­port team through social media such as: Face­book — http://www.facebook.com/PayLane, Twit­ter — http://twitter.com/PayLane, LinkedIn — http://www.linkedin.com/company/paylane.
3. Each time the User asks for sup­port feed­back, they are obliged to pro­vide their User Account name and/or their own name and email address. PayLane does not respond to anony­mous sup­port requests.
4. PayLane ensures that their con­sul­tants respond as soon as pos­si­ble. Nor­mally the response is per­formed within two busi­ness days after receiv­ing a request.
5. In the event of the Ser­vice fail­ure, the User may sub­mit a com­plaint to PayLane using the fol­low­ing email: . The com­plaint should include: User Account name and/or name, email address and descrip­tion of the prob­lem. PayLane does not respond to anony­mous complaints.
6. PayLane inves­ti­gates the com­plaint as soon as it is pos­si­ble. The User has the right to be informed on the mat­ter progress. If a prob­lem with the Ser­vice occurs, PayLane will under­take all the nec­es­sary mea­sures to solve it quickly.

VI. Pay­ment

1. Any pos­si­ble fees for ren­der­ing the Ser­vice or its por­tion by PayLane shall be deter­mined in a sep­a­rate agree­ment con­cluded between the User and PayLane.
2. PayLane does not impose any charges on the User’s customers.
3. If the User requests any addi­tional func­tion in the Mer­chant Panel, Pay­ment Gate­way or the User Account, which are not avail­able in stan­dard, PayLane may add such func­tions against remu­ner­a­tion and on con­di­tion that such func­tions are rea­son­able and tech­ni­cally feasible.
4. The amount of fees and man­ner of pay­ment for addi­tional func­tions ordered by the User will be deter­mined indi­vid­u­ally between the User and PayLane and are depen­dent on the type and com­plex­ity of those functions.

VII. Data protection

1. In order to ensure the secu­rity and con­fi­den­tial­ity of per­sonal and busi­ness data PayLane has imple­mented a wide range of mea­sures and cre­ated its own pri­vacy pol­icy. The scope of those mea­sures and the terms of PayLane Pri­vacy Pol­icy may be found at: http://paylane.co.uk/paylane-privacy-policy.
2. PayLane makes its best efforts to ensure the high­est stan­dard of secu­rity and con­fi­den­tial­ity of trans­mit­ted infor­ma­tion, espe­cially by imple­ment­ing such mea­sures as: 128 bit SSL encryp­tion, fire­walls, addi­tional antivirus soft­ware, addi­tional data encryp­tion, backup servers and power sup­plies plus it com­plies with the rules laid down by the PCI Secu­rity Stan­dards Coun­cil. How­ever, PayLane does not con­trol the Inter­net or other net­works and can­not guar­an­tee the secu­rity of any infor­ma­tion trans­mit­ted with the use of such means (this includes the PayLane web­site). Every such trans­mis­sion is car­ried out at the risk of the per­son ini­ti­at­ing it.
3. PayLane does not assume any respon­si­bil­ity for the use or dis­clo­sure of per­sonal or busi­ness data which are the result of ille­gal or unau­tho­rized access to PayLane sys­tems or those of PayLane con­trac­tors or partners.

VIII. Copy­right and Trademarks

1. PayLane, paylane.com, paylane.co.uk, paylane.eu, paylane.pl are the trade­marks of PayLane Group. The trade­marks may not be used in con­junc­tion with third par­ties’ prod­ucts or ser­vices in any man­ner that might cause con­fu­sion among cus­tomers and poten­tial cus­tomers, or in any man­ner that dis­cred­its any of the enti­ties within the PayLane Group and/or their services.
2. The Ser­vice soft­ware as well as the con­tent of the PayLane web­site, includ­ing text, graph­ics, logos, but­ton icons, images, are the prop­erty of PayLane or its con­tent sup­pli­ers and they are pro­tected by copy­right and trade­mark laws.
3. It is strictly for­bid­den to sell, license, rent, mod­ify, dis­trib­ute, repro­duce, trans­mit, pub­lish, adapt, pub­licly dis­play or per­form or cre­ate works from mate­ri­als or con­tent that PayLane pro­vides on its web­site or within the Ser­vice, with­out writ­ten per­mis­sion from PayLane.
4. When the User down­loads copy­righted mate­r­ial posted by PayLane to their User Account (this includes trans­ac­tion reports), they do not obtain any own­er­ship rights in that mate­r­ial. The User may not change or delete any author attri­bu­tion, trade­mark, leg­end or copy­right or other pro­pri­etary notices from such material.
5. Any unau­tho­rized use of any mate­r­ial pro­vided under the Ser­vice or con­tained within any PayLane web­site may vio­late copy­right laws, trade­mark laws, the laws of pri­vacy and publicity.

IX. Dis­claimer, Lim­i­ta­tion of Liability

1. The PayLane web­site and the Ser­vice are designed only to trans­fer trans­ac­tions and/or data to the acquir­ing bank or other finan­cial insti­tu­tion selected by the User using the exist­ing elec­tronic pay­ments net­work. PayLane is not respon­si­ble for the deliv­ery of said trans­ac­tion data to PayLane server. The User is solely respon­si­ble to ensure secu­rity of data being trans­mit­ted to PayLane server and their correctness.
2. PayLane accepts no respon­si­bil­ity for the set­tle­ment of the trans­ac­tions between the User and their acquir­ing bank or any other finan­cial insti­tu­tion. PayLane does not war­rant the com­ple­tion of trans­ac­tions, nor does it war­rant that any User or finan­cial insti­tu­tion will com­plete a trans­ac­tion. The User agrees to accept risks result­ing from such trans­ac­tions and shall indem­nify and keep indem­ni­fied on demand PayLane in respect of such risks.
3. The Ser­vice and all of its func­tions, as well as the PayLane web­site are pro­vided “AS IS”. PayLane oblig­a­tions are lim­ited only to those set out in these Terms of Ser­vice. PayLane does not war­rant that the func­tions ren­dered avail­able on the PayLane web­site or within the Ser­vices will be unin­ter­rupted, always avail­able or error free, or that its web­site, hard­ware or com­puter sys­tems are free of viruses or other harm­ful com­po­nents or programs.
4. PayLane does not give war­ranties of any kind, either express of implied, includ­ing the war­ranties of non-infringement of third party rights, title, mer­chantabil­ity, fit­ness for a par­tic­u­lar pur­pose as regards infor­ma­tion and mate­ri­als pro­vided, the PayLane web­site or the Ser­vice or any of their functions.
5. PayLane does not war­rant the accu­racy, ade­quacy, com­plete­ness or time­li­ness of infor­ma­tion, mate­ri­als, the Ser­vice or func­tion­al­ity on the PayLane web­site. This applies as well to the use or the results of the use of the Ser­vice, infor­ma­tion, mate­ri­als and func­tion­al­ity within the PayLane web­site in terms of cor­rect­ness, accu­racy, reli­a­bil­ity or otherwise.
6. To the extent per­mit­ted by law, PayLane, its agents, direc­tors, offi­cers and employ­ees accept no lia­bil­ity for any loss, whether direct or indi­rect, includ­ing but not lim­ited to loss of rev­enue or antic­i­pated prof­its, loss of busi­ness or loss of data, com­puter fail­ure or mal­func­tion, or injury or any direct, indi­rect, con­se­quen­tial, spe­cial, puni­tive, or other com­mer­cial or eco­nomic loss of any kind or any claim against the cus­tomer by any other per­son result­ing from or aris­ing in con­nec­tion with the per­for­mance or non-performance of this Agree­ment, the Ser­vice, or any oblig­a­tion here­un­der or there­un­der, how­so­ever caused (includ­ing breach of a war­ranty, tort, neg­li­gence, strict lia­bil­ity in tort, or any legal, statu­tory or equi­table cause of action).
7. The lim­i­ta­tions, exclu­sions and dis­claimers in this Agree­ment shall apply irre­spec­tive of the nature or the cause of action, demand or claim by the User, includ­ing, with­out lim­i­ta­tion, breach of con­tract, neg­li­gence, tort, strict lia­bil­ity or any other legal the­ory and shall sur­vive a fun­da­men­tal breach or breaches or the fail­ure of the essen­tial pur­pose of this Agreement.
8. PayLane shall not be respon­si­ble or liable for any loss, dam­age or incon­ve­nience suf­fered by the User or by any third per­son, to the extent that such a loss, dam­age or incon­ve­nience is caused by the fail­ure of the User to com­ply with their oblig­a­tions under these Terms of Service.
9. PayLane is not respon­si­ble for any delay or fail­ure in per­for­mance due to Force Majeure or other occur­rences that are beyond PayLane’s rea­son­able con­trol. PayLane is not respon­si­ble for short, tem­po­rary and acci­den­tal sus­pen­sion of the Ser­vice, if this occurs as a result of cir­cum­stances which PayLane could not fore­see or suspect.
10. The User rec­og­nizes that PayLane does not own or con­trol other net­works, infor­ma­tion and sys­tems out­side of its own net­work, nor is PayLane respon­si­ble for per­for­mance or non-performance within such net­works. PayLane exer­cises no con­trol over and specif­i­cally denies any respon­si­bil­ity for the con­tent, infor­ma­tion, accu­racy or qual­ity of the infor­ma­tion and/or data pass­ing through its net­work or the Ser­vice provided.

X. Con­fi­den­tial­ity

The terms and con­di­tions regard­ing the con­fi­den­tial­ity of cer­tain infor­ma­tion exchanged between PayLane and Mer­chant or the User are spec­i­fied in the Pri­vacy Pol­icy avail­able at http://paylane.com/privacy-policy and in sep­a­rate non-disclosure agree­ments con­cluded by PayLane and the User in the course of the open­ing of the User Account.

XI. Term and termination

1. The term of this Agree­ment begins on the date the Mer­chant (the User) clicks to accept this Agree­ment and shall con­tinue until the Ser­vice is ter­mi­nated, as stip­u­lated below.
2. The User may ter­mi­nate the Ser­vice at any time by clos­ing the User Account. The User Account may be closed by send­ing a can­cel­la­tion request to PayLane via: . In the can­cel­la­tion request the User is obliged to pro­vide their name and email address.
3. PayLane may ter­mi­nate the Ser­vice imme­di­ately for any breach of these Terms of Ser­vice, in par­tic­u­lar in sit­u­a­tions defined in Clause III. User Oblig­a­tions herein.
4. This Agree­ment ter­mi­nates with imme­di­ate effect should the Mer­chant be not approved by PayLane for the Ser­vice, as set out in Clause II. PayLane Ser­vice sub­clause 5 and 6 herein.

XII. Final provisions

1. PayLane has the right to use the User name in its mar­ket­ing mate­r­ial, includ­ing but not lim­ited to the print form, mul­ti­me­dia (includ­ing Web) and web­site case studies.
2. Any dis­putes between the User and their cus­tomers regard­ing trans­ac­tions shall be resolved between the User and those cus­tomers. PayLane is not respon­si­ble for such trans­ac­tions or disputes.
3. The ille­gal­ity, inva­lid­ity or unen­force­abil­ity of any pro­vi­sion of these Terms of Ser­vice shall not affect the legal­ity, valid­ity or enforce­abil­ity of the remain­ing pro­vi­sions hereof. Should any pro­vi­sion of these Terms of Ser­vice be ren­dered invalid or unen­force­able under the laws of the United King­dom or any other coun­try hav­ing juris­dic­tion over legal rela­tion­ship regard­ing PayLane Ser­vice, such pro­vi­sion will be mod­i­fied to the extent nec­es­sary to ren­der it valid and enforce­able with­out alter­ing its intent. If such mod­i­fi­ca­tion is not pos­si­ble, these Terms of Ser­vice shall be con­strued as if such an invalid or unen­force­able pro­vi­sion had never been included herein.
4. PayLane has the right to mod­ify, add or delete any mate­ri­als, infor­ma­tion, graph­ics or other con­tent appear­ing on or in con­nec­tion with the PayLane web­site, includ­ing these Terms of Ser­vice, at any time with­out prior notice. This pro­vi­sion applies in par­tic­u­lar if such mod­i­fi­ca­tions, addi­tions or dele­tions are needed to com­ply with applic­a­ble laws or with the rules and reg­u­la­tions of var­i­ous debit and credit card orga­ni­za­tions or other finan­cial insti­tu­tions. These Terms of Ser­vice may also be changed by writ­ten agree­ment between PayLane and the User.
5. If PayLane decides to make changes to these Terms of Ser­vice, it will post a revised ver­sion of the doc­u­ment on the PayLane web­site. The revised ver­sion will be effec­tive at the time it is posted. How­ever, if PayLane believes that the planned change is mate­r­ial, the User will be informed on the planned change by post­ing notice of the change in these Terms of Ser­vice on the PayLane web­site at least 7 days prior to com­ing into force of that change. The User agrees that their con­tin­ued use of the Ser­vice after such a change will con­sti­tute their accep­tance of and con­sent to be bound by the updated Terms of Ser­vice. The most cur­rent ver­sion of the Terms of Ser­vice is avail­able at any time at the PayLane website.
6. This Ser­vice shall be inter­preted and con­strued accord­ing to, and gov­erned by, the laws of Eng­land and Wales.
7. Each party irrev­o­ca­bly and uncon­di­tion­ally sub­mits to the non-exclusive juris­dic­tion of the courts of Eng­land and Wales.