1. Acceptance of Terms

These Terms of Service (“Terms”) govern your use of the Altruon website and platform. By accessing our website or using any services provided by Altruon, you acknowledge that you have read, understood, and agree to be bound by these Terms, without modification. If you do not agree, you must not use this website or the Altruon services. If you are using the website or services on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms.

Altruon (“we” or “us”) may update these Terms from time to time. We will notify registered merchant users of any material changes via email and post the updated Terms with a new effective date. Continued use of the website or services after any update constitutes your acceptance of the revised Terms.

In these Terms, “you” refers to the user or the business entity you represent. “Altruon” refers to the operator of this website and provider of the services.

2. About Altruon and Our Services

Altruon's Role

Altruon is a specialized B2B fintech integration platform that acts as middleware between payment gateways and recurring billing/subscription platforms. Our service provides a single integration point enabling seamless connectivity across the payments ecosystem. In other words, Altruon helps merchants connect their existing billing software with their chosen payment processing providers without the need to build custom integrations.

Not a Payment Processor

Altruon itself is not a payment processor, bank, or financial institution. We do not handle, process, or store sensitive payment data such as credit card numbers. Actual payment information is stored and processed by the third-party payment gateways that you connect via our platform. Altruon only handles tokens or reference IDs provided by those gateways (e.g. via tokenization) to facilitate transactions, and personal data needed for integration (like customer identifiers). This approach means Altruon minimizes sensitive data handling, reducing compliance scope while maintaining robust security. All payment transactions are ultimately executed by your chosen payment gateway or bank, not by Altruon. As such, you may need to maintain your own agreements and compliance (e.g., PCI-DSS) with those payment providers.

Service Access

To use the Altruon integration service (“Platform”), you or your business must register for an account as a merchant. Use of the Platform is intended for business (commercial) purposes only. There are no free trials or free-tier services offered. Access to the Platform is provided on a paid subscription or usage-fee basis (see Section 7 on Fees) from the start. When you sign up as a merchant, you will be required to accept our Merchant Service Agreement, which contains specific terms regarding the use of the Platform, pricing, and other commercial details. In case of any conflict between these general Website Terms and the Merchant Service Agreement, the terms of the Merchant Service Agreement will take precedence for the services it covers. These Terms will still apply to any areas not addressed by the Merchant Service Agreement.

No API for Public Use

Altruon does not currently provide any public API for direct integration by users. Our Platform connects existing services through our own integration layer, but you do not receive a separate API from Altruon to call. Therefore, any reference to API usage in a general context does not apply here, and you should not attempt to access our services in an unauthorized way (see Acceptable Use below). All interactions with the Platform should be through the interfaces and tools we provide (e.g., our web dashboard or authorized plugins).

3. Permitted Use and User Obligations

Business Use Only

This website and the Altruon Platform are intended for use by businesses and their authorized representatives. There are no specific age restrictions to use the site, but by using the services you affirm that you are doing so for business purposes and (if registering an account) that you are an authorized representative of a business. You agree not to use the site or services as a consumer for personal, family, or household purposes.

User Account Security

If you register an account, you must provide accurate, truthful information. Do not provide false or misleading details when signing up or using our site. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. Promptly notify Altruon of any unauthorized use of your account or security breach. We may assume that any actions taken through your account are authorized by you.

Acceptable Use

You agree to use our website and services only for lawful purposes and in accordance with these Terms. You must comply with all applicable laws and regulations when using Altruon. By using the site or Platform, you agree NOT to:

• Engage in Illegal or Harmful Activities: Do not use the site or services for any unlawful, fraudulent, or malicious activities. This includes using Altruon in connection with money laundering, terrorist financing, or any activity that violates financial regulations or sanctions.
• Violate Rights of Others: Do not upload, transmit, or otherwise distribute through Altruon any content or data that infringes the intellectual property rights or other rights of any third party.
• Interfere with the Service or Network: Do not damage, disrupt, or impair the proper operation of our website or Platform. You agree not to attempt to gain unauthorized access to any portion of the site, the server on which it is hosted, or any related systems or networks.
• Bypass or Misuse Security Measures: You must not bypass, disable, or interfere with any security or access controls. Any attempt to probe, scan, or test the vulnerability of our systems or to authenticate as another user without permission is strictly prohibited. You may not scrape, crawl, or collect data by automated means except for legitimate search engine indexing.
• Improper Use of Services: Do not use the site or Platform in any way that violates applicable laws or regulations (including data protection and financial services laws). You may not use Altruon for competitive analysis or to build a competing product, and not to resell or sublicense our services without our consent.

If you violate any acceptable use provisions, we may suspend or terminate your access without notice, and you may be responsible for any costs or losses we incur. You also agree to indemnify us for any claims arising from such prohibited use (see Section 10).

4. Intellectual Property Rights

Our Content

All content and materials on the Altruon website and Platform are protected by intellectual property laws. This includes our software, code, databases, website design, text, graphics, logos, trademarks, service marks, and any content provided by Altruon. Altruon (or its licensors) retains all rights, title, and interest in and to the website and services, and all associated intellectual property. Nothing in these Terms transfers any intellectual property rights to you. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the website and Platform for your internal business purposes in accordance with these Terms.

Trademarks

“Altruon” and our logos, slogans, and any product or service names we display are trademarks or service marks of Altruon. You are not permitted to use these without our prior written consent. All third-party names or trademarks that may appear on the site are the property of their respective owners.

User Feedback

If you voluntarily provide us with any ideas, suggestions, or feedback, you agree that we may use and implement them at our discretion, without any obligation to you. You grant Altruon a royalty-free, worldwide, perpetual license to use and incorporate into our products or services any suggestions, enhancement requests, recommendations or other feedback you provide.

5. Third-Party Links and Content

Our website may include links to third-party websites or services for your convenience. Altruon has no control over and assumes no responsibility for the content, websites, or services of third parties that are linked from our site. A link to a third-party site does not imply endorsement or affiliation. You follow any third-party links at your own risk.

Our site might occasionally display content provided by third parties (for example, an embedded video or code snippet from a partner). Any such third-party content is provided “as is” and Altruon is not responsible for its accuracy or legality. Embedded third-party content is subject to the terms and privacy policies of the content provider, not Altruon.

You may link to Altruon's public website homepage for legitimate business references, provided you do so fairly and legally without damaging our reputation. You must not establish a link suggesting any form of association or endorsement by Altruon where none exists. Framing our site within another website is not allowed without explicit permission.

6. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policyexplains how we collect, use, and protect personal data when you use our website or services. The Privacy Policy is incorporated into these Terms by reference. By using the site or the Platform, you acknowledge that you have read our Privacy Policy and agree to Altruon's handling of information in accordance with it. In the event of any conflict between these Terms and the Privacy Policy regarding personal data, the Privacy Policy will govern.

GDPR Compliance

Altruon is based in the Netherlands and complies with the EU General Data Protection Regulation (GDPR) and other applicable data protection laws. When Altruon processes personal data that you (as a merchant) have provided, the roles of the parties may vary: for personal data of your end-customers that flows through the Platform, you may be the “controller” and Altruon acts as a “processor” on your behalf. A Data Processing Addendum (DPA) may apply as part of the Merchant Service Agreement.

Your Responsibilities

If you input or connect any personal data to our Platform, you affirm that you have a lawful basis to do so and have obtained any necessary consents from data subjects. You will comply with all data protection laws applicable to you as a data controller. Both parties shall cooperate in good faith to address any data protection inquiries or issues.

Cookies, Communications, and Marketing

Altruon uses cookies and similar tracking technologies on our website. For details, refer to our Privacy Policy. Service notifications may be sent without an opt-out option as they are necessary for account administration. Marketing communications will only be sent in accordance with applicable laws, and you can opt out at any time via the “unsubscribe” link or by contacting us.

7. Fees, Payment, and Commercial Terms

No Free Trial

Altruon does not offer any free trial period or free version of its Platform. All use of the Altruon integration service is on a paid basis from commencement.

Pricing and Plans

We offer our services on a subscription and usage fee model. This typically includes a fixed monthly subscription fee plus a per-transaction fee for each payment processed through the platform. Pricing details are published on our website and confirmed in your Merchant Service Agreement. Unless stated otherwise, all prices are listed in Euros (EUR) and exclude applicable taxes (such as VAT). You are responsible for any taxes or duties that apply.

Billing and Payment

Fees may be billed in advance on a monthly or annual basis, or in arrears for variable usage fees. Payment is due upon invoicing or as stated in your order. For recurring subscriptions, auto-renewal may apply: at the end of each term your subscription will automatically renew unless you cancel before the renewal date.

Late Payments

If you fail to pay fees by the due date, Altruon reserves the right to suspend your access to the Platform until payment is received. Late payments may accrue interest at the statutory commercial interest rate under Dutch law. You will be responsible for Altruon's reasonable costs of collection for overdue amounts.

No Refunds

Except as expressly provided in your Merchant Service Agreement or required by law, all payments are non-refundable. If you cancel your subscription mid-term, you will not receive a pro-rated refund for the unused period.

Changes to Fees

We reserve the right to adjust pricing, but changes will not apply retroactively. We will give you notice of fee changes that apply to a renewal term. Current pricing is always published on our site.

8. Disclaimer of Warranties

The Altruon website and services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Altruon disclaims all warranties, whether express, implied, or statutory, regarding the website and the Platform. This includes any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not guarantee that the website or services will be uninterrupted, error-free, or completely secure.

We make no guarantee regarding the outcome of any transaction or business result. We do not warrant that using Altruon will increase your payment success rates, reduce costs, or meet your specific objectives. Altruon's Platform connects with third-party services, and we do not make warranties or guarantees about those third-party services. Any issues on the part of a third-party provider are outside of Altruon's control.

Some jurisdictions do not allow the exclusion of certain warranties. If applicable law imposes any warranties that cannot be disclaimed, those warranties will be limited in duration and scope to the minimum extent permitted by law.

9. Limitation of Liability

No Indirect Damages

To the maximum extent permitted by law, neither Altruon nor you will be liable to the other for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to the use or inability to use the website or services. This exclusion applies regardless of the legal theory and even if the party has been advised of the possibility of such damages. Indirect damages include lost profits or revenue, loss of data, loss of business opportunities, business interruption, or the cost of procuring substitute services.

Liability Cap

Each party's total cumulative liability to the other for all claims will not exceed the total amount of fees that you have paid to Altruon in the 12 months immediately preceding the event giving rise to the liability. If you have not paid any fees, Altruon's total liability to you will not exceed EUR €100.

Exceptions

Nothing in these Terms excludes or limits liability for: (a) death or personal injury caused by gross negligence or willful misconduct; (b) fraud or fraudulent misrepresentation; or (c) any liability which cannot be excluded or limited as a matter of applicable law. The limitations also do not apply to your payment obligations, your liability for infringement of Altruon's intellectual property rights, or your indemnification obligations.

10. Indemnification

You agree to defend, indemnify, and hold harmless Altruon and its affiliates, officers, directors, employees, and agents from and against any and all third-party claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable attorneys' fees) that arise out of or relate to: (a) your use or misuse of the Altruon website or services; (b) your violation of these Terms or of any law or regulation; (c) any information or content you provide to Altruon; or (d) any dispute between you and a third party arising from your use of Altruon's Platform.

Altruon reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you. If we do so, you agree to cooperate with our defense and not to settle any such matter without our prior written consent. This indemnity obligation survives the termination or expiration of these Terms.

11. Force Majeure

Altruon shall not be liable for any failure or delay in performing its obligations under these Terms if such failure or delay is caused by circumstances beyond Altruon's reasonable control. This includes natural disasters, acts of God, fire, flood, earthquake, epidemic or pandemic, war, terrorism, civil unrest, strikes, power or internet outages, governmental action, or other events not within Altruon's reasonable control.

If a Force Majeure event occurs, Altruon will make reasonable efforts to mitigate the impact and resume full performance as soon as practicable. Similarly, you will not be held liable for delay or failure to perform your obligations (other than payment obligations) if caused by a Force Majeure event, provided you notify Altruon and use diligent efforts to resume performance.

12. Compliance with Laws and Export Control

General Compliance

Both you and Altruon agree to comply with all applicable laws and regulations in connection with the use and provision of the services, including laws relating to data protection, financial services, sanctions, and anti-corruption.

Financial Regulations

Altruon is not a licensed payment service provider under PSD2 or other banking laws, since we do not hold or transfer funds. Our service is a technical integration tool. You (the merchant) are responsible for complying with obligations directly applicable to you, such as maintaining PCI-DSS compliance. You may not use the Platform to process payments that are illegal or that violate any applicable card network rules or financial regulations.

Export and Sanctions Compliance

You represent and warrant that: (a) you are not located in or organized under the laws of any country subject to comprehensive trade sanctions or embargoes; (b) you will not use Altruon's services for the benefit of any prohibited entity or person; and (c) you will not export, re-export, transfer, or divert any portion of our services contrary to applicable export control and sanctions laws.

Anti-Bribery

You agree that you have not and will not offer, promise, give or accept any bribe or corrupt payment in connection with these Terms or your use of Altruon. Both parties will comply with applicable anti-bribery and anti-corruption laws.

Accessibility

Altruon is committed to making our website and services accessible to all users. We strive to develop our web content in accordance with WCAG 2.1 at the AA level. If you encounter any accessibility barriers, please contact us. We will make good faith efforts to resolve any concerns.

13. Modifications to Service and Terms

Changes to the Services

Altruon reserves the right to improve, evolve, or modify the website and Platform at any time. We will endeavor to notify you of major changes. Minor adjustments or fixes may be deployed without notice.

Changes to Terms

We may update or revise these Terms as our business and legal requirements evolve. Changes will not retroactively apply. When we make significant changes, we will notify registered users via email at least a reasonable time before the new Terms take effect. Your continued use after the updated Terms become effective constitutes acceptance. If you do not agree, you should stop using the site and services before the changes take effect.

Notice Procedure

Notices will be given by posting on our website, sending email to registered users, or other contact methods you have provided. Electronic notices are deemed received on the day we send them. You agree that electronic communications satisfy any legal requirement that communications be in writing. To give notice to Altruon, contact us at operations@altruon.io.

14. Governing Law and Dispute Resolution

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Netherlands, without regard to its conflict of laws principles. The application of the United Nations Convention on Contracts for the International Sale of Goods (CISG) is expressly excluded.

Initial Dispute Resolution

If you have any concerns or disputes, you agree to first try to resolve the issue informally by contacting us. Both parties agree to attempt in good faith to resolve any dispute through at least one meeting between authorized persons. Only if the dispute cannot be resolved through negotiation within 60 days may either party proceed to formal legal action.

Jurisdiction and Venue

The courts of the Netherlands shall have exclusive jurisdiction to settle any dispute. Specifically, you and Altruon agree that any legal proceedings must be brought in the competent courts of Amsterdam, Netherlands. You consent to the personal jurisdiction of these courts and waive any objections based on inconvenient forum.

Alternative Dispute Resolution

At Altruon's option (and with your consent), disputes may alternatively be resolved through arbitration or mediation. Nothing in these Terms prevents either party from seeking urgent injunctive relief to prevent immediate irreparable harm. The prevailing party in any dispute will be entitled to recover reasonable attorneys' fees and costs.

15. Miscellaneous Provisions

• Entire Agreement: These Terms (together with any Merchant Service Agreement, Privacy Policy, and other documents incorporated by reference) constitute the entire agreement between you and Altruon regarding the website and services, and supersede all prior agreements.
• Severability: If any provision is held invalid, illegal, or unenforceable, that provision shall be limited to the minimum extent and the remaining provisions continue in full force.
• No Waiver: Failure to enforce any right or provision shall not constitute a waiver. Any waiver must be in writing and signed by Altruon.
• Assignment: You may not assign these Terms without Altruon's prior written consent. Altruon may assign or transfer these Terms to an affiliate or in connection with a merger, acquisition, or sale of assets.
• No Agency: Nothing in these Terms creates any agency, partnership, or joint venture between you and Altruon.
• Third-Party Beneficiaries: These Terms are for the benefit of you and Altruon only, and not for any third party.
• Language: These Terms are written in English. The English version controls in case of any conflict with translations.

Contact Information

If you have any questions, concerns, or notices regarding these Terms or the Altruon services, you may contact us at: