Terms of Use

These terms of use, together with our privacy policy, govern your use of the www.heretopay.com website (the “Site”) and your relationship with the owner of the Site, namely NSJ Merchant Services Ltd (“HereToPay”, “we” or “us”), a company registered under the laws of the Republic of England and Wales, with our registered office address at Kemp House, 152 City Road, London, EC1V 2NX, United Kingdom.

Please read these terms of use carefully as they affect your rights and liabilities under the law. By using our Site you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, you should cease using the Site immediately.

Use of the Site

The Site is provided to you free of charge for your personal use subject to these terms of use. By using the Site you agree to be bound by these terms of use.

Access to and Availability of the Site

Access to the Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on the Site without notice.

From time to time we may restrict access to some or all parts of the Site. We will not be liable for any downtime or disruption in the Site availability.

Amendments to the Site

We may update these terms of use at any time, without giving you notice, so please review the terms regularly to ensure you are aware of any changes made. Your continued use of the Site after changes are made constitutes your acceptance to the revised terms.

Intellectual Property Rights

The content and design of these website pages are subject to copyright owned by us and our affiliated companies. No licence is granted to you in these terms to use any trade name or mark of HereToPay, NSJ Merchant Services Ltd or our affiliated companies. You shall not assert any claim or ownership to any trade names or marks or to the goodwill or reputation of HereToPay, NSJ Merchant Services Ltd or our affiliated companies.

You agree not to copy, reproduce, duplicate or republish any part of the Site. You also agree not to adapt, alter or create any derivative work from any material on the Site.

Our Liability

This Site is provided by us, free of charge, without any warranties or guarantees.

We have made all reasonable efforts to ensure that all information provided on the Site by ourselves and third parties is accurate at the time of inclusion, complete and current. We do not accept any liability for the quality of material on the Site, including but not limited to its accuracy, authenticity or correctness.

By accessing this Site you agree that we shall not be liable to you or any person for any direct, indirect, special or consequential loss or damage you might suffer arising from using the Site or the reliance on any information contained within.

Furthermore, we do not accept liability for technical problems that you may experience with the Site.

Nothing in these terms and conditions shall exclude liability for death or personal injury caused by our negligence or our liability for fraud (including fraudulent misrepresentation), or any other liability that we are not allowed to limit or exclude by law.

If you are a consumer, your statutory legal rights are not affected by these terms of use.

Your Liability

We are pleased to provide the Site to you for use but you must use the Site in an acceptable way. It is impossible to provide an exhaustive list of exactly what constitutes acceptable and unacceptable use of the Site. In general, we will not tolerate any use of the Site which damages or is likely to damage our reputation, the availability or integrity of the Site or which causes us or threatens to cause us to incur any legal, tax or regulatory liability.

You agree that you must evaluate, and bear all risks associated with, the use of material available on this Site, including but not limited to any reliance upon the accuracy, completeness or usefulness of such material. In this regard, you acknowledge and agree that you may not rely on any material created by us or submitted to us and appearing on this Site.

You agree not to use this Site:

  • in any way that breaches any applicable local, national or international law or regulation;
  • in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
  • to infringe upon or violate our intellectual property rights or the intellectual property rights of others;
  • to send any unsolicited or unauthorised advertising or promotional material or any other form of unsolicited communication (spam); or
  • to transmit any data, send or upload any material that contains software viruses, Trojan horses, worms time-bombs, spyware, adware or any other harmful programs or similar computer code, files, or programs designed to adversely affect the functionality of any computer software or hardware or telecommunications equipment.


We reserve the right to terminate your use of this Site, for any reason, including, without limitation, if we believe that you have violated or acted inconsistently with these terms of use. You agree that any termination of your access to the Site under any provision of these terms of use may be effected without prior notice, and acknowledge and agree that we may immediately bar any further access to the Site. Furthermore, you agree that we shall not be liable to you or any third party for any termination of your access to the Site.

Third Party Websites

The Site may contain links that allow you to leave the Site and visit third party websites. Please note that we have no control over such third party websites and do not accept responsibility or liability for any losses or penalties that may be incurred or for the accuracy of links to third party websites or the content of such third party websites.

Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the content standards set out in these terms of use.

Your Personal Information

Your submission of personal information through the Site is governed by the terms of our privacy policy.


If you would like to contact us about the Site or any of the material on it, please email us on support@heretopay.com.