Terms of Service

Welcome to QONSULTAURA LLC. These Terms of Service ("Terms") govern your use of our website, consulting services, technology infrastructure, and any related offerings (collectively, the "Services"). By accessing or using our Services, you agree to these Terms. If you don't agree, please don't use our Services.

Who We Are

QONSULTAURA LLC ("QONSULTAURA," "we," "us," or "our") is a digital infrastructure consulting company. We help businesses set up and manage payment technology, backend systems, and operational workflows. We are not a bank, payment processor, money services business, or financial institution. We don't hold, handle, transmit, or control client funds or end-user funds at any time. Our role is strictly advisory and technical.

Our Services

We offer the following types of services:

• Consulting packages — setup of payment infrastructure, processor accounts, compliance documentation, and backend systems for businesses.
• Technology solutions — backend software that handles notifications, dispute management, and operational automation.
• Individual setup services — single processor setup, compliance SOPs, and similar à la carte offerings.

All services are delivered on a business-to-business (B2B) basis. You confirm that you are engaging us as a business, not as an individual consumer.

Eligibility

To use our Services, you must:

• Be at least 18 years old;
• Be engaging us on behalf of a legally registered business or as a sole trader with valid business operations;
• Provide accurate, complete, and current information when requested;
• Not be located in a jurisdiction subject to comprehensive sanctions or embargoes.

We reserve the right to refuse service to anyone, for any reason, at our sole discretion.

Fees and Payment

Fees for our Services are agreed upon before work begins — whether as a fixed package price, a recurring percentage, or a custom quote. By engaging us, you agree to pay all fees as outlined in your service agreement or invoice.

• One-time fees — due upfront or according to a payment schedule we agree on in writing.
• Recurring or percentage-based fees — due according to the terms set out in your agreement.
• Late payments — we reserve the right to suspend Services if payment is overdue by more than 7 days.

All fees are non-refundable unless explicitly stated otherwise in your service agreement or as required by applicable law.

Refund Policy

Given the nature of our work — digital consulting, setup, and configuration — most of our Services are considered delivered once the setup is complete and handed over to you. Because of this:

• Setup and consulting packages are generally non-refundable once work has begun or deliverables have been provided.
• If we fail to deliver what was agreed upon in writing within a reasonable timeframe, you may request a partial or full refund, which we will assess on a case-by-case basis.
• Recurring or volume-based fees are earned when charged and are non-refundable.

If you believe you're entitled to a refund, contact us at mohammed@qonsultaura.com with the details. We'll review and respond within 5 business days.

Client Responsibilities

When you use our Services, you agree that:

• Your business is your responsibility. You are solely responsible for your own business operations, products, services, customers, chargebacks, disputes, and compliance with all applicable laws, regulations, and third-party terms (including those of payment processors, banks, and card networks).
• You will provide accurate information. If we're setting up accounts or infrastructure on your behalf, the information you give us must be true, complete, and up to date. We are not liable for issues arising from inaccurate or misleading information you provide.
• You will maintain your own legal documentation. You are responsible for having your own privacy policy, terms of service, refund policy, and any other documents required for your business.
• You accept the risks of your industry. If you operate in a high-risk sector, you acknowledge that payment processors, banks, and platforms may suspend, restrict, or terminate accounts. This is outside of our control, and we are not liable for such actions.
• You won't misuse our Services. You agree not to use our Services for anything illegal, fraudulent, or that violates third-party rights.

No Financial Services

QONSULTAURA LLC is not a bank, payment processor, payment facilitator, money transmitter, or financial institution of any kind. We do not:

• Hold, custody, or control client funds or end-user funds;
• Process payments on anyone's behalf;
• Transmit money or facilitate financial transactions;
• Provide financial, legal, or tax advice.

If any third party misinterprets our role, that interpretation does not create any obligation or liability on our part. Our Services are strictly limited to consulting and technology infrastructure setup.

Third-Party Services

Our Services may involve setting up or integrating with third-party platforms — payment processors, banks, hosting providers, and other tools. We do not control these third parties and are not responsible for:

• Their actions, decisions, policies, or terms of service;
• Account suspensions, terminations, fund holds, or any other decisions they make;
• Any losses, damages, or disruptions caused by third-party services.

Your use of any third-party service is subject to that service's own terms and conditions. We encourage you to review them.

Intellectual Property

All work we produce — including backend systems, code, configurations, documentation, SOPs, templates, and any custom deliverables — remains our intellectual property unless we explicitly transfer ownership to you in writing.

When you purchase a package, we grant you a non-exclusive, non-transferable license to use the deliverables for your own business. You may not resell, redistribute, white-label, or share our deliverables with third parties without our prior written consent.

Any feedback, suggestions, or ideas you provide about our Services may be used by us without restriction or compensation.

Confidentiality

Both parties agree to keep confidential any non-public information shared during the course of our engagement, including business details, technical configurations, pricing, and trade secrets. This obligation survives the termination of our relationship for a period of 3 years.

Confidentiality does not apply to information that is already public, independently developed, rightfully received from a third party, or required to be disclosed by law.

Limitation of Liability

This section is important — please read it carefully.

To the fullest extent permitted by applicable law:

• No indirect damages. QONSULTAURA LLC, its owners, officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages — including lost profits, lost revenue, lost data, business interruption, or reputational harm — arising from or related to these Terms or our Services, even if we were advised of the possibility.
• Liability cap. Our total aggregate liability for any claim arising from these Terms or our Services is limited to the fees you paid us in the 12 months immediately preceding the event giving rise to the claim. If you haven't paid us anything yet, our liability is capped at $100 USD.
• No warranty. Our Services are provided "as is" and "as available," without any warranty, express or implied. We don't guarantee uninterrupted, error-free, or completely secure service. We don't guarantee that payment processors or banks will approve, maintain, or continue working with you.
• Third-party actions. We are not liable for the actions, omissions, or decisions of payment processors, banks, card networks, hosting providers, or any other third party.

Indemnification

You agree to indemnify, defend, and hold harmless QONSULTAURA LLC, its owners, officers, employees, and affiliates from and against any and all claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from or related to:

• Your business operations, products, or services;
• Your violation of these Terms;
• Your violation of any applicable law, regulation, or third-party right;
• Any disputes, chargebacks, or claims from your customers;
• Any fraudulent, misleading, or illegal activity on your part.

This means that if someone sues us because of something you did, you're responsible for covering our costs and damages.

Termination

Either party may terminate the service relationship at any time, with or without cause, by providing written notice (email is fine). Upon termination:

• Any outstanding fees become immediately due and payable.
• Your license to use our deliverables continues (if you've paid in full), but we have no further obligation to support or maintain them unless you have an active maintenance agreement.
• Provisions that by their nature should survive termination — including confidentiality, intellectual property, limitation of liability, indemnification, and this termination clause — will continue to apply.

We reserve the right to terminate or suspend access to our Services immediately, without notice, if we believe you've violated these Terms or engaged in illegal or harmful activity.

Dispute Resolution

If you have a dispute with us, we want to resolve it informally first. Contact us at mohammed@qonsultaura.com before taking any formal action. We'll work with you in good faith to find a solution.

If we can't resolve the dispute informally within 30 days, either party may pursue their claims. These Terms are governed by the laws applicable to QONSULTAURA LLC's jurisdiction of incorporation. Any formal proceedings shall be brought exclusively in the courts of that jurisdiction.

Force Majeure

We are not liable for any failure or delay in performance caused by events beyond our reasonable control — including natural disasters, pandemics, war, terrorism, government action, internet outages, third-party service failures, or infrastructure disruptions.

Changes to These Terms

We may update these Terms from time to time. When we do, we'll update the date at the top of the page. For material changes, we'll notify you by email or with a notice on our website. Your continued use of our Services after changes take effect means you accept the updated Terms. If you don't agree with the changes, stop using our Services.

Entire Agreement

These Terms, along with any service-specific agreement or statement of work we provide in writing, constitute the entire agreement between you and QONSULTAURA LLC regarding our Services. They supersede any prior agreements, communications, or understandings — written or verbal.

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect. Our failure to enforce any right or provision does not constitute a waiver.

Contact Us

If you have questions about these Terms or need to reach us for any reason: