Standard Terms and Conditions

Effective date: 2026-07-31

1. Introduction

Welcome to Virtus Systems Inc..

These Standard Terms and Conditions (“Terms”) govern your access to and use of virtuspaymentph.com and any related products, platforms, features, content, and services made available by Virtus Systems Inc. (collectively, the “Service”).

By accessing or using the Service, you confirm that you have read, understood, and agreed to be bound by these Terms. If you do not agree with these Terms, you must not access or use the Service.

2. Definitions

COMPANY, “we”, “us”, or “our” means Virtus Systems Inc.

USER, “you”, or “your” means any person or entity that accesses or uses the Service.

WEBSITE means virtuspaymentph.com and any associated pages, subdomains, or online services operated by the Company.

CONTENT means all text, graphics, logos, images, software, documents, and other materials made available through the Service.

3. Eligibility and Authority

You must be at least 18 years old and legally capable of entering into a binding agreement to use the Service.

If you use the Service on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms.

4. Use of the Service

You may use the Service only for lawful purposes and in accordance with these Terms.

You agree not to:

0.1. use the Service in violation of any applicable law, regulation, or third-party right;

0.2. attempt to gain unauthorized access to any account, system, network, or data;

0.3. interfere with or disrupt the operation, integrity, or security of the Service;

0.4. introduce viruses, malware, harmful code, or other disruptive technologies;

0.5. copy, reproduce, modify, distribute, sell, lease, or commercially exploit the Service or its Content without prior written permission;

0.6. impersonate another person or misrepresent your identity, authority, or affiliation;

0.7. use automated tools to scrape, crawl, or extract data from the Service except as expressly permitted by us.

5. Accounts and Registration

Certain features may require you to create an account or provide registration information.

You are responsible for ensuring that all information you provide is accurate, complete, and current.

You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

You must notify us promptly if you suspect unauthorized use of your account or any other security breach.

6. Payment and Transaction Services

Where the Service includes payment, settlement, remittance, subscription, virtual terminal, or other transaction-related functionality, additional service agreements, merchant agreements, pricing schedules, operating rules, or onboarding requirements may apply.

Transaction approval, processing, settlement, timing, and availability may depend on financial institutions, payment networks, service providers, regulatory requirements, risk reviews, system availability, and other factors outside our reasonable control.

We may refuse, suspend, delay, reverse, or investigate a transaction when required by law, regulation, payment-network rules, fraud-prevention controls, sanctions screening, risk-management procedures, or contractual obligations.

7. Fees, Charges, and Taxes

Applicable fees, charges, settlement terms, and pricing will be disclosed in the relevant agreement, order form, proposal, or service schedule.

You are responsible for all taxes, duties, levies, and governmental charges applicable to your use of the Service, except for taxes imposed on our income.

Unless otherwise stated in writing, all fees are non-refundable.

8. Third-Party Services

The Service may contain links to or integrate with third-party websites, financial institutions, payment networks, processors, platforms, or service providers.

We do not control and are not responsible for the content, availability, security, policies, or practices of third-party services.

Your use of third-party services may be governed by separate terms and privacy policies.

9. Intellectual Property Rights

The Service and all Content are owned by or licensed to Virtus Systems Inc. and are protected by intellectual-property and other applicable laws.

Our names, logos, trademarks, service marks, and branding may not be used without our prior written permission.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for its intended purpose.

10. Privacy and Data Protection

Your use of the Service is also subject to our Privacy Policy and any applicable data-processing agreement.

You are responsible for ensuring that any personal data you submit to the Service has been collected and shared lawfully and with all required notices, permissions, and consents.

11. Confidentiality

Information identified as confidential, or that should reasonably be understood to be confidential, must not be disclosed or used except as necessary to perform obligations or exercise rights under the applicable agreement.

This obligation does not apply to information that is publicly available through no breach of duty, lawfully received from a third party, independently developed, or required to be disclosed by law.

12. Service Availability and Changes

We may modify, update, suspend, restrict, or discontinue any part of the Service at any time, subject to applicable contractual and legal obligations.

We do not guarantee that the Service will always be uninterrupted, error-free, secure, or available at all times.

Planned or emergency maintenance, internet disruptions, third-party outages, security incidents, force majeure events, and other circumstances may affect availability.

13. Disclaimers

To the maximum extent permitted by law, the Service is provided on an “as is” and “as available” basis.

We make no warranty that the Service will meet every requirement, achieve a particular commercial result, or be completely free from errors, delays, interruptions, or security vulnerabilities.

Nothing on the Website constitutes legal, tax, accounting, investment, or financial advice.

14. Limitation of Liability

To the maximum extent permitted by applicable law, Virtus Systems Inc. and its directors, officers, employees, affiliates, agents, contractors, and service providers will not be liable for indirect, incidental, special, consequential, punitive, or exemplary damages, or for loss of profits, revenue, business, goodwill, data, or anticipated savings arising from or related to the Service.

Where liability cannot be excluded, our total aggregate liability will be limited to the amount paid by you to us for the affected Service during the twelve months immediately preceding the event giving rise to the claim, unless a different limitation is required by law or agreed in writing.

15. Indemnification

You agree to indemnify and hold harmless Virtus Systems Inc. and its directors, officers, employees, affiliates, agents, and service providers from claims, losses, liabilities, damages, costs, and expenses arising from your misuse of the Service, violation of these Terms, infringement of third-party rights, or breach of applicable law.

16. Suspension and Termination

We may suspend or terminate your access to the Service if you violate these Terms, create security or legal risk, fail to pay applicable fees, engage in suspected fraud or prohibited activity, or when required by law or a competent authority.

Upon termination, provisions that by their nature should survive will remain in effect, including provisions concerning intellectual property, confidentiality, disclaimers, limitation of liability, indemnification, and dispute resolution.

17. Force Majeure

We will not be responsible for delay or failure caused by events beyond our reasonable control, including natural disasters, acts of government, war, terrorism, civil unrest, labor disputes, utility failures, telecommunications outages, cyberattacks, epidemics, pandemics, payment-network disruptions, or failures of third-party providers.

18. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Republic of the Philippines, without regard to conflict-of-law principles.

Before filing a formal claim, the parties agree to attempt in good faith to resolve the dispute through written notice and reasonable discussions.

Unless otherwise required by applicable law or agreed in writing, disputes arising from these Terms or the Service will be submitted to the courts of competent jurisdiction in Makati City, Philippines.

19. Changes to These Terms

We may update these Terms from time to time.

Any updated version will be posted on this page with a revised effective date. Your continued use of the Service after the updated Terms take effect constitutes acceptance of the revised Terms.

20. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect.

21. No Waiver

Our failure to enforce any provision of these Terms will not constitute a waiver of that provision or any other right.

22. Entire Agreement

These Terms, together with our Privacy Policy and any applicable service agreement, order form, merchant agreement, pricing schedule, or other written terms, constitute the entire agreement between you and us regarding the Service.

23. Contact Us

If you have questions about these Standard Terms and Conditions, please contact Virtus Systems Inc. at [email protected].