1. Who we are and what these Terms cover

1.1 These Website Terms of Use (Terms) are issued by Altruon B.V., a private limited company incorporated under the laws of the Netherlands, registered with the Dutch Chamber of Commerce under number 97816418, VAT number NL868244697B01, with its registered office at Molenpad 2, 1016 GM Amsterdam, the Netherlands (Altruon, we, us).

1.2 These Terms govern access to and use of the websites, documentation, sandbox environment, hosted pages, scripts, software development kits, machine-readable resources and any other content or service made available at altruon.io or any of its sub-domains (together, the Site).

1.3 By accessing the Site you agree to these Terms. If you do not agree, do not access the Site. If you access the Site on behalf of a company or other legal entity, you represent that you are authorised to bind that entity and “you” refers to that entity.

1.4 The Site is made available to businesses and their authorised representatives only. You represent that you are acting in the course of a trade, business or profession and not as a consumer. Consumer protection rules do not apply to your use of the Site.

1.5 Production use of the Altruon platform by a merchant is governed exclusively by the Global Merchant Services Agreement, the applicable Order Form and its Schedules, including the Data Processing Agreement (together, the Merchant Agreement). Where the Merchant Agreement applies, it prevails over these Terms in every respect. These Terms continue to apply to any use of the Site that the Merchant Agreement does not address.

2. What Altruon is, and what it is not

2.1 Altruon provides software that connects subscription billing platforms with payment gateways and routes payment events between them. Altruon is a technology provider only.

2.2 Altruon is not an acquirer, payment processor, issuer, bank, credit institution, payment institution, electronic money institution, merchant of record, payment facilitator, money transmitter, payment scheme, or any other regulated financial services provider. Altruon does not hold, receive, settle, safeguard, control or transmit funds at any point. Every payment transaction is executed by the third-party payment gateway, acquirer or bank selected by the merchant, under the merchant's own agreement with that provider.

2.3 Altruon does not store raw payment card numbers or sensitive authentication data. Card and bank account data are handled by the connected payment gateway. Altruon handles only tokens and reference identifiers issued by those gateways, together with the transaction metadata required to route events.

2.4 Nothing on the Site constitutes an offer to provide, or the provision of, payment services, financial advice, legal advice or tax advice. Statements about coverage, payment methods, markets, authorisation rates or integration timelines are descriptive and depend on the merchant's own gateway agreements and configuration.

3. Licence to use the Site

3.1 Subject to these Terms, Altruon grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable licence to access and view the Site for the purpose of evaluating, integrating with or using Altruon's services for your own internal business purposes.

3.2 The documentation at docs.altruon.io, including any machine-readable files such as SKILL.md, OpenAPI specifications and code samples, may be used solely to integrate with, evaluate or operate the Altruon platform. Code samples are provided as illustrations and are licensed for that purpose only, without warranty.

3.3 Altruon JS, hosted checkout pages and any other client-side script are licensed for use only on properties owned or controlled by a merchant that has a Merchant Agreement in force, and only in accordance with the documentation.

3.4 All rights not expressly granted are reserved. No licence is granted by implication, estoppel or otherwise.

4. Sandbox environment

4.1 The sandbox at login.sandbox.altruon.io is a test environment. It is provided “as is”, may be reset, changed, suspended or withdrawn at any time without notice, and carries no service level of any kind.

4.2 You must not enter live payment card data, live bank account data, real end-customer personal data or any other production data into the sandbox. Use only test credentials and synthetic data. You are solely responsible for any consequence of breaching this clause.

4.3 Sandbox credentials are personal to the entity to which they are issued. Do not share them. Altruon may revoke sandbox access at its discretion.

4.4 Sandbox use does not create a Merchant Agreement, does not entitle you to production access, and does not commit Altruon to any pricing, feature or timeline.

5. Acceptable use

5.1 You must not, and must not permit anyone to:

• use the Site for any unlawful, fraudulent or malicious purpose, or in breach of sanctions, export control, anti-money-laundering, anti-bribery, data protection or financial regulation;
• probe, scan, test, attack or attempt to circumvent the security of the Site or any Altruon system, except under and in strict compliance with the Altruon Coordinated Vulnerability Disclosure Policy;
• access, or attempt to access, any account, data or system that is not yours;
• scrape, crawl, harvest, mirror or extract content or data from the Site by automated means, other than (a) ordinary indexing by public search engines and (b) use of the machine-readable documentation files that Altruon expressly publishes for that purpose;
• use any content of the Site, including documentation, to train, fine-tune, evaluate or benchmark a machine-learning model that is offered to third parties, or to build, assist or improve a product that competes with Altruon;
• reverse engineer, decompile, disassemble or derive source code from any Altruon software except to the extent that mandatory law prohibits this restriction;
• remove, obscure or alter any proprietary, confidentiality or attribution notice;
• resell, sublicense, rent, lease or otherwise commercially exploit the Site or any part of it;
• introduce malware, or transmit unsolicited communications, through the Site;
• frame, embed or deep-link the Site in a way that suggests association, sponsorship or endorsement by Altruon, or that disguises the origin of the content; or
• misrepresent your identity or affiliation, or impersonate any person or entity.

5.2 Altruon may investigate suspected breaches, suspend or terminate access without notice, preserve and disclose relevant information to authorities, and pursue any remedy available at law. You will reimburse Altruon for all costs, including reasonable legal fees, incurred in enforcing this clause.

6. Accounts and credentials

6.1 Where the Site requires registration, you must provide accurate, complete and current information and keep it updated. You are responsible for all activity under your credentials, whether or not authorised by you, until you notify Altruon of unauthorised use at operations@altruon.io.

6.2 You must use strong authentication where offered, keep credentials confidential, and not share accounts between individuals.

7. Intellectual property

7.1 The Site and everything in it, including software, code, APIs, documentation, text, graphics, logos, product names, designs, data and their selection and arrangement, are owned by Altruon or its licensors and protected by copyright, database rights, trade mark law and other intellectual property laws. “Altruon” and the Altruon logo are trade marks of Altruon. Third-party names and logos displayed on the Site belong to their owners and are used to identify integrations only; no endorsement is implied.

7.2 You may not use any Altruon trade mark without prior written consent, other than a plain-text reference to Altruon by name to describe a genuine integration.

7.3 If you send Altruon feedback, ideas, suggestions or improvement requests, you grant Altruon a perpetual, irrevocable, worldwide, royalty-free, sublicensable licence to use them for any purpose without obligation or attribution. Do not send anything you regard as confidential unless a written non-disclosure agreement is in place.

8. Third-party services and links

8.1 The Site references and links to third-party billing platforms, payment gateways, banks, tools and websites. Altruon does not control and is not responsible for them, their availability, their terms, their security or their handling of data. Your relationship with any third party is governed solely by your agreement with that third party. Altruon expressly disclaims all liability arising from any act, omission, outage, error, insolvency or regulatory action of a third-party provider.

9. No warranties

9.1 To the fullest extent permitted by law, the Site is provided “as is” and “as available”, without warranty, representation or condition of any kind, express, implied or statutory, including any warranty of merchantability, satisfactory quality, fitness for a particular purpose, title, non-infringement, accuracy, completeness, availability, security or that the Site will be error-free or uninterrupted.

9.2 Altruon does not warrant any commercial outcome, including any change in payment authorisation rates, conversion, cost, chargeback rates or time to market. Any figures, case studies, integration counts or coverage statements on the Site are indicative only and may change without notice.

9.3 Content on the Site is not advice. You must obtain your own legal, regulatory, tax, security and commercial advice before relying on it.

10. Limitation of liability

10.1 To the fullest extent permitted by law, Altruon, its directors, officers, employees, contractors, shareholders, affiliates and licensors shall have no liability to you, whether in contract, tort (including negligence), breach of statutory duty, misrepresentation or otherwise, arising out of or in connection with the Site or these Terms, for any indirect, incidental, special, consequential, exemplary or punitive loss, or for any loss of profit, revenue, business, contracts, goodwill, anticipated savings, data or use, or the cost of procuring substitute services, however arising and even if foreseeable or advised of the possibility.

10.2 To the extent that any liability cannot be excluded under clause 10.1, the total aggregate liability of Altruon and the persons listed in clause 10.1 arising out of or in connection with the Site and these Terms, for all claims in aggregate, shall not exceed EUR 100. Where a Merchant Agreement is in force, the liability provisions of the Merchant Agreement apply instead of this clause to everything that the Merchant Agreement covers, and this clause applies only to matters outside it.

10.3 Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any liability that cannot be excluded or limited under Dutch law, including liability arising from intent (opzet) or deliberate recklessness (bewuste roekeloosheid) of Altruon's executive management.

10.4 Any claim against Altruon arising out of or in connection with the Site or these Terms must be brought within twelve (12) months of the date on which the claimant first became aware, or ought reasonably to have become aware, of the facts giving rise to the claim, failing which the claim is barred.

10.5 You acknowledge that the exclusions and limitations in this clause 10 are a fair allocation of risk given that the Site is provided free of charge and that they are an essential basis on which Altruon makes the Site available.

11. Indemnity

11.1 You shall defend, indemnify and hold harmless Altruon and the persons listed in clause 10.1 from and against all claims, demands, proceedings, losses, damages, fines, penalties, costs and expenses (including reasonable legal fees) arising out of or in connection with (a) your use of the Site; (b) any breach of these Terms or of applicable law by you or anyone using your credentials; (c) any data, content or material you submit to the Site; (d) any breach of clause 4.2; or (e) any claim by a third party arising from your business, products, services or end-customers.

11.2 Altruon may assume exclusive control of the defence of any indemnified claim at your cost. You shall not settle any indemnified claim without Altruon's prior written consent.

12. Suspension, termination and changes

12.1 Altruon may modify, suspend, restrict or discontinue the Site or any part of it, permanently or temporarily, at any time and without liability.

12.2 Altruon may terminate or suspend your access to the Site immediately and without notice for any reason, including any actual or suspected breach of these Terms.

12.3 Altruon may amend these Terms at any time by publishing the amended version on the Site with a new effective date. Continued use of the Site after the effective date constitutes acceptance. Material changes affecting registered users will additionally be notified by email to the address on the account.

12.4 Clauses 2, 5.2, 7, 9, 10, 11, 13, 14 and 15 and any other provision that by its nature is intended to survive shall survive termination.

13. Privacy and cookies

13.1 Personal data collected through the Site is processed in accordance with the Altruon Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference. Where Altruon processes end-customer personal data on behalf of a merchant, it does so as a processor under the Data Processing Agreement forming part of the Merchant Agreement.

14. Compliance, sanctions and export

14.1 You represent and warrant that neither you nor any person controlling you is (a) organised in, resident in or ordinarily located in a country or territory subject to comprehensive sanctions of the European Union, the Netherlands, the United Nations, the United Kingdom or the United States; (b) listed on any applicable sanctions or restricted-party list; or (c) using the Site for the benefit of any such person. You shall not export, re-export or transfer any part of the Site in breach of export control laws.

14.2 Altruon does not hold a licence under the Dutch Financial Supervision Act (Wet op het financieel toezicht) or under Directive (EU) 2015/2366 (PSD2) and does not require one, because it does not provide payment services. Altruon operates as a technical service provider within the meaning of Article 3(j) of PSD2. You remain solely responsible for your own regulatory, PCI DSS, card-scheme and tax obligations.

15. General

15.1 Entire agreement. These Terms, together with the Privacy Policy, Cookie Policy and Coordinated Vulnerability Disclosure Policy, are the entire agreement between you and Altruon regarding the Site and supersede all prior communications. Where a Merchant Agreement is in force, clause 1.5 applies.

15.2 Severability. If any provision is held invalid or unenforceable, it shall be enforced to the maximum extent permissible and the remainder shall continue in full force. The parties shall replace the invalid provision with a valid one that most closely reflects its commercial intent.

15.3 No waiver. No failure or delay by Altruon in exercising any right is a waiver of it.

15.4 Assignment. You may not assign or transfer these Terms or any right under them. Altruon may assign or transfer these Terms to an affiliate or to a successor in connection with a merger, acquisition, reorganisation or sale of assets.

15.5 No partnership. Nothing in these Terms creates a partnership, joint venture, agency, fiduciary or employment relationship.

15.6 Third parties. The persons listed in clause 10.1 may enforce clauses 10 and 11. Otherwise no third party has any right under these Terms.

15.7 Notices. Notices to Altruon must be sent by email to operations@altruon.io with a copy to Molenpad 2, 1016 GM Amsterdam, the Netherlands. Notices to you may be sent to any email address you have provided and are deemed received on the day of sending.

15.8 Language. These Terms are drawn up in English. Any translation is for convenience only and the English text prevails.

15.9 Governing law. These Terms and any non-contractual obligation arising out of or in connection with them are governed exclusively by the laws of the Netherlands. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

15.10 Jurisdiction.The competent court in Amsterdam, the Netherlands, has exclusive jurisdiction over any dispute arising out of or in connection with these Terms or the Site, without prejudice to Altruon's right to seek injunctive or other urgent relief in any court of competent jurisdiction.

16. Contact

All notices, privacy, security and general enquiries: operations@altruon.io