Terms and Conditions

Last Updated: October 19, 2025

1. Acceptance of Terms

These Terms and Conditions ("Terms", "Agreement") constitute a legally binding agreement between you ("User", "you", or "your") and NextPayments.cc ("NextPayments", "we", "us", or "our") governing your access to and use of the NextPayments.cc website and services.

By accessing, browsing, or using our service, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with these Terms, you are prohibited from using or accessing this service.

Age Requirement: You must be at least 13 years of age to use this service. If you are under 18 years of age, you represent that you have your parent or guardian's permission to use the service. By using the service, you represent and warrant that you meet these age requirements.

2. Service Description

NextPayments.cc is a subscription and recurring payment tracking and reminder service. Our service allows you to:

• Track credit card, debit card, and other payment method subscriptions
• Set customizable email reminders for upcoming payments
• Organize payments using tags and categories
• View payments across multiple currencies
• Export payment schedules to calendar applications (iCal format)
• Monitor payment history and due dates

What NextPayments.cc Is NOT:

• NextPayments.cc is NOT a payment processor or financial institution
• We do NOT handle, process, or transmit actual financial transactions
• We do NOT have the ability to cancel subscriptions on your behalf
• We do NOT contact merchants or service providers regarding your subscriptions
• We do NOT provide financial, legal, or tax advice
• We are NOT a substitute for professional financial management services

3. User Accounts and Registration

3.1 Account Creation

To use certain features of our service, you must register for an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your account credentials
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized access or security breaches

3.2 Account Security

You are solely responsible for maintaining the confidentiality of your account login credentials. You agree not to share your account credentials with any third party. We are not liable for any loss or damage arising from your failure to maintain account security.

3.3 Account Accuracy

You represent and warrant that all information you provide to us is accurate, truthful, and complete. Providing false or misleading information may result in immediate termination of your account.

4. Service Scope and Limitations

4.1 What We Do

NextPayments.cc provides an informational tracking and reminder service. We help you organize and remember your recurring payment obligations by sending email notifications based on the schedules you configure.

4.2 What We Do NOT Do

4.3 Service Availability

While we strive to maintain continuous service availability, we do not guarantee that:

• The service will be available at all times without interruption
• The service will be error-free or secure
• Defects will be corrected
• The service will meet your specific requirements

We reserve the right to modify, suspend, or discontinue the service (or any part thereof) at any time, with or without notice, for any reason including but not limited to maintenance, upgrades, or improvements.

5. User Responsibilities

5.1 Accurate Information Entry

You are solely responsible for the accuracy of all payment information you enter into the service, including but not limited to:

• Payment amounts
• Due dates
• Merchant or service provider names
• Payment frequencies (monthly, yearly, etc.)
• Currency selections
• Payment method associations

5.2 Acting on Reminders

You acknowledge and agree that:

• Receiving a reminder does NOT mean payment has been made
• You are responsible for taking action based on reminders
• You must independently verify all payment due dates
• You are solely responsible for canceling unwanted subscriptions
• Our service is a tool to assist you, not a substitute for your own diligence

5.3 Prohibited Uses

You agree NOT to use the service for any of the following purposes:

• Any unlawful purpose or in violation of any applicable laws
• To violate the rights of others, including privacy and intellectual property rights
• To transmit harmful code, viruses, or malicious software
• To attempt unauthorized access to our systems or other users' accounts
• To use automated systems (bots, scrapers) without our written permission
• To interfere with or disrupt the service or servers
• To impersonate any person or entity
• To collect or harvest personal information about other users

6. Data Collection and Privacy

6.1 Information We Collect

In order to provide our service, we collect and store the following information:

• Account Information: Username, email address, password (encrypted), timezone, and currency preferences
• Payment Tracking Data: Merchant/service names, payment amounts, due dates, payment frequencies, descriptions, and tags you create
• Partial Card Information: Bank or card issuer name and last four digits only (we do NOT store full card numbers, CVV codes, or expiration dates)
• Payment Method Information: Names and types of alternative payment methods (crypto, wire transfer, etc.)
• Usage Data: Service interaction data, feature usage, and analytics

6.2 How We Use Your Information

We use your information to:

• Provide and maintain the service
• Send payment reminder emails
• Generate calendar exports
• Improve and optimize the service
• Communicate with you about your account
• Detect and prevent fraud or abuse

6.3 Third-Party Services

We use the following third-party services that may collect data:

• Resend: Email delivery service for sending reminder notifications
• Google Analytics: Anonymous usage analytics to improve the service
• Currency Exchange Rate APIs: Real-time currency conversion data

6.4 Data Security

We implement reasonable security measures to protect your data. However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security of your information.

6.5 Privacy Policy

For more detailed information about how we collect, use, and protect your data, please review our Privacy Policy (if available). Your use of the service constitutes acceptance of our data practices.

7. Email Communications

7.1 Types of Emails

By using our service, you consent to receive the following types of emails:

• Payment Reminders: Scheduled notifications about upcoming, current, or past-due payments
• Account Notifications: Important updates about your account, security, or service changes
• Service Updates: Announcements about new features or changes to the service

7.2 Email Delivery Disclaimer

7.3 Opting Out

You may opt out of certain non-essential emails. However, you cannot opt out of critical account-related communications without closing your account. Payment reminders are a core function of the service; disabling them may reduce the service's usefulness.

8. Calendar Export Feature

8.1 Calendar URL Security

Our calendar export feature generates a unique, tokenized URL that allows calendar applications to access your payment schedule. This URL contains a security token that grants access to your payment data.

You are solely responsible for:

• Keeping your calendar URL private and secure
• Not sharing your calendar URL with unauthorized parties
• Understanding that anyone with the URL can view your payment information
• Regenerating your calendar URL if it becomes compromised

8.2 Calendar Access Revocation

We reserve the right to revoke or regenerate calendar access URLs at any time for security purposes. You can also regenerate your own calendar URL through your account settings.

9. Payment Information and Security

9.1 Limited Information Storage

NextPayments.cc is designed with privacy in mind. We do NOT collect or store:

• Full credit or debit card numbers
• Card CVV/CVC security codes
• Card expiration dates
• Card PINs
• Online banking credentials

We only store the bank/issuer name and last four digits of your cards for identification purposes.

9.2 Not a Payment Processor

We are NOT a payment processor, financial institution, or money transmitter. We do not:

• Process payments on your behalf
• Have access to your payment accounts
• Transfer or hold funds
• Require PCI-DSS compliance (we don't handle full card data)

10. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Accuracy: We do not warrant that the information in our service is accurate, reliable, or correct
• Availability: We do not warrant that the service will be uninterrupted, timely, or error-free
• Email Delivery: We do not warrant that reminder emails will be delivered or received
• Results: We do not warrant that use of the service will prevent missed payments or unwanted charges
• Security: We do not warrant that the service will be free from viruses, security breaches, or unauthorized access
• Fitness for Purpose: We do not warrant that the service will meet your specific requirements or expectations

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

11. Limitation of Liability

11.1 Scope of Limitation

IN NO EVENT SHALL NEXTPAYMENTS.CC, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR:

• Missed Payments: Any missed payments, late fees, penalties, or interest charges resulting from your failure to make timely payments
• Undelivered Reminders: Damages resulting from undelivered, delayed, or failed email reminders
• Incorrect Information: Damages resulting from incorrect, incomplete, or outdated payment information you entered
• Unwanted Charges: Charges from subscriptions you intended to cancel but did not
• Service Interruptions: Damages resulting from service downtime, maintenance, or unavailability
• Third-Party Failures: Damages resulting from third-party service failures (email providers, currency APIs, etc.)
• Data Loss: Loss of data due to technical failures, breaches, or account termination
• Security Breaches: Unauthorized access to your account or data
• Currency Conversion Errors: Inaccuracies in currency exchange rates or conversions

11.2 Types of Damages Excluded

THIS LIMITATION APPLIES TO ALL DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO:

• Direct, indirect, incidental, or consequential damages
• Special, exemplary, or punitive damages
• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Loss of goodwill or reputation
• Personal injury or property damage

11.3 Cap on Liability

IF, NOTWITHSTANDING THE FOREGOING EXCLUSIONS, WE ARE FOUND LIABLE FOR ANY DAMAGE OR LOSS, OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF:

• (A) The amount you paid to us (if any) in the 12 months preceding the claim, OR
• (B) One hundred U.S. dollars (US $100.00)

11.4 Essential Terms

You acknowledge that these limitations of liability are essential elements of the agreement between you and NextPayments.cc, and that we would not provide the service without these limitations.

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

12. Third-Party Services

12.1 Third-Party Dependencies

Our service relies on third-party services for certain functionality:

• Resend: Email delivery infrastructure for reminder notifications
• Google Analytics: Website analytics and usage statistics
• Currency Exchange APIs: Real-time currency conversion data
• Content Delivery Networks: CSS frameworks and other assets

12.2 No Control Over Third Parties

We do not control third-party services and are not responsible for:

• Their availability, reliability, or performance
• Their privacy practices or data handling
• Changes to their services or terms
• Their security or data breaches

12.3 Third-Party Terms

Your use of third-party services through our platform may be subject to their own terms and conditions. We encourage you to review the terms and privacy policies of any third-party services.

13. Intellectual Property

13.1 Our Rights

All content, features, and functionality of the service, including but not limited to:

• Text, graphics, logos, and images
• Software, code, and algorithms
• Design, layout, and user interface
• Trademarks, service marks, and trade names

are owned by NextPayments.cc or our licensors and are protected by copyright, trademark, and other intellectual property laws.

13.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the service for your personal, non-commercial use, subject to these Terms.

13.3 Your Content

You retain ownership of any data or content you submit to the service. By submitting content, you grant us a worldwide, royalty-free license to use, store, and process your content solely for the purpose of providing the service.

13.4 Restrictions

You may NOT:

• Copy, modify, or create derivative works of the service
• Reverse engineer, decompile, or disassemble the service
• Remove or alter any copyright or proprietary notices
• Use our trademarks without written permission
• Frame or mirror the service without authorization

14. Modifications to Service

We reserve the right at any time to:

• Modify, suspend, or discontinue the service or any features
• Change the service's functionality or user interface
• Impose limits on certain features or access
• Introduce new features or remove existing ones

We may make these changes with or without notice and without liability to you. We will attempt to provide advance notice of significant changes when reasonably possible.

15. Modifications to Terms

15.1 Right to Modify

We reserve the right to modify these Terms at any time. When we make changes, we will:

• Update the "Last Updated" date at the top of these Terms
• Post the updated Terms on our website
• Notify you via email or in-app notification for material changes

15.2 Acceptance of Changes

Your continued use of the service after the effective date of revised Terms constitutes your acceptance of the changes. If you do not agree to the modified Terms, you must stop using the service and close your account.

15.3 Review Obligation

It is your responsibility to review these Terms periodically. We recommend checking for updates when you log in to the service.

16. Termination

16.1 Termination by You

You may terminate your account at any time by:

• Using the account deletion feature in your account settings
• Contacting us at the email address provided below

16.2 Termination by Us

We reserve the right to suspend or terminate your account and access to the service, with or without notice, for any reason, including but not limited to:

• Violation of these Terms
• Fraudulent, abusive, or illegal activity
• Extended periods of inactivity
• Requests from law enforcement or government agencies
• Technical or security issues
• Discontinuation of the service

16.3 Effect of Termination

Upon termination of your account:

• Your right to use the service immediately ceases
• We may delete your account data in accordance with our data retention policies
• You remain liable for any obligations incurred prior to termination
• Sections of these Terms that by their nature should survive termination will survive

16.4 Data After Termination

We may retain certain data as required by law or for legitimate business purposes. We are under no obligation to store or provide you with copies of your data after termination unless required by law.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where NextPayments.cc is established, without regard to its conflict of law provisions.

Your use of the service may also be subject to other local, state, national, or international laws.

18. Dispute Resolution

18.1 Informal Resolution

In the event of any dispute, claim, or controversy arising from these Terms or the service, you agree to first contact us and attempt to resolve the dispute informally by sending a written notice describing the nature of the dispute to the contact information provided below.

18.2 Binding Arbitration

If the dispute cannot be resolved informally within 30 days, you agree that any dispute shall be resolved through binding arbitration in accordance with the rules of a mutually agreed-upon arbitration service, rather than in court.

18.3 Class Action Waiver

You agree to resolve disputes with us on an individual basis and waive your right to participate in any class action, representative action, or consolidated proceeding against us.

18.4 Exceptions

Notwithstanding the above, either party may seek injunctive or equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights.

Note: Some jurisdictions do not allow mandatory arbitration or class action waivers. If you reside in such a jurisdiction, these provisions may not apply to you.

19. Miscellaneous Provisions

19.1 Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the service, constitute the entire agreement between you and NextPayments.cc concerning the service.

19.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

19.3 No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver shall be effective unless made in writing and signed by an authorized representative of NextPayments.cc.

19.4 Assignment

You may not assign or transfer these Terms or your rights and obligations under these Terms without our prior written consent. We may assign these Terms and our rights and obligations without restriction.

19.5 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, network infrastructure failures, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

19.6 Relationship of Parties

Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and NextPayments.cc. You have no authority to bind us or make commitments on our behalf.

19.7 Headings

The section headings in these Terms are for convenience only and have no legal or contractual effect.

19.8 Language

These Terms may be translated into other languages for your convenience. In the event of any conflict between the English version and a translated version, the English version shall prevail.

20. Contact Information

If you have any questions, concerns, or complaints regarding these Terms or the service, please contact us:

Email: legal@m25.nextpayments.cc
Support: support@m25.nextpayments.cc
Twitter/X: @NextPaymentsCC

We will attempt to respond to your inquiry within a reasonable timeframe.

By using NextPayments.cc, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.