Version 1.0 · Effective June 7, 2026
These Terms of Service ("Terms") govern your access to and use of PayToowe (the "Service"), operated by PayToowe ("we", "us", "our"). By creating an account, signing an agreement, or otherwise using the Service, you agree to be bound by these Terms.
PayToowe is a software platform that helps individuals document, track, and optionally facilitate payments on informal loans between friends, family, and acquaintances.
PayToowe is NOT:
Agreements created on PayToowe are between the participating users only. We provide tooling to record terms; we do not lend money, hold funds (except as a payment facilitator through our third-party processor), guarantee repayment, or enforce obligations. When the lender records an ACH funding event ("Fund Loan"), PayToowe is recording a self-attested status — the lender originates the bank transfer through their own bank, and PayToowe does not transmit money between users.
You must be at least 18 years old and legally capable of entering binding contracts in your jurisdiction. You agree to provide accurate, current information and to keep your account secure.
By clicking "Accept", "Sign", "Create agreement", or similar buttons, you agree that your electronic actions constitute a legally binding electronic signature under the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN Act), the Uniform Electronic Transactions Act (UETA), and applicable international equivalents (such as eIDAS in the EU). You consent to receive all agreements, disclosures, notices, and records electronically.
You may withdraw this consent by closing your account, but doing so will prevent you from using the Service. To request paper copies of any record, contact us at support@paytoowe.com (a reasonable fee may apply).
The PayToowe Trust Score is an internal, informational signal calculated from platform-only behavior such as on-time payments, completed agreements, and account history. It is NOT a credit score, NOT a FICO score, NOT a consumer report under the Fair Credit Reporting Act, and NOT a measure of a person's overall creditworthiness, character, or financial stability.
Trust Scores are provided "as is" for informational use within PayToowe only. We make no representations about their accuracy and we are not liable for any decision you make based on a Trust Score.
Any badges, "verified" indicators, or status labels reflect limited checks (such as email confirmation or completion of platform activity). They do not constitute identity verification, background checks, or endorsement. Always independently confirm the identity of anyone you transact with.
PayToowe does not guarantee that a borrower will repay a loan, that a lender will honor their obligations, or that any agreement is enforceable in your jurisdiction. We are not responsible for collecting payments on your behalf, mediating disputes between users, or enforcing the terms of any user-created agreement.
Disputes between users must be resolved between the users themselves, through their own legal counsel, or through applicable courts or alternative dispute resolution. We may, at our sole discretion and without obligation, provide records of platform activity in response to valid legal process.
We use automated and manual systems to detect fraud, abuse, and prohibited activity. We may, at any time and without prior notice:
You must promptly notify us of any unauthorized access to your account or suspected fraud at support@paytoowe.com.
You may close your account at any time from your profile settings. We may suspend or terminate your access to the Service, with or without notice, if we believe you have violated these Terms, created risk to other users or to PayToowe, engaged in fraud or illegal conduct, or for any other reason permitted by law. Termination does not extinguish obligations you owe to other users under agreements you signed on the platform.
PayToowe, its logos, designs, software, and content are owned by us or our licensors. You receive a limited, non-exclusive, non-transferable license to use the Service for its intended purpose. You retain ownership of the content you submit, and grant us a license to host, display, and process it as needed to operate the Service.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OPERATION. WE DISCLAIM ALL LIABILITY FOR THE CONDUCT OF USERS OR THIRD PARTIES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL PAYTOOWE, ITS AFFILIATES, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE, ANY AGREEMENT YOU ENTER INTO ON THE PLATFORM, OR ANY DISPUTE WITH ANOTHER USER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU PAID TO PAYTOOWE IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).
You agree to indemnify, defend, and hold harmless PayToowe and its affiliates from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Service, your violation of these Terms, your violation of any law or third-party right, or any dispute with another user.
These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws principles. Any dispute will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, except that either party may bring a claim in small-claims court. You waive any right to participate in a class action.
We may update these Terms from time to time. Material changes will be notified in-app or by email at least 14 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.
Questions? Email support@paytoowe.com.