These Terms and Conditions outline the rules and regulations for the use of Payana Ltd's Website payana.com

Payana Ltd is located at:
3rd Floor, 49 High Street, Barrie
ON L4N 5J4, CA

By accessing this website we assume you accept these terms and conditions in full. Do not continue to use Payana Ltd's (“payana.com”) website if you do not accept all of the terms and conditions stated on this page.

1. Terminology

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: “Client”, “You” and “Your” refers to you, the person or company accessing this website and accepting the Payana terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves, or either the Client or ourselves.

All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services/products, in accordance with and subject to, prevailing law of Canada.

Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same.

2. Cookies

We employ the use of cookies. By using Payana Ltd's website you consent to the use of cookies in accordance with Payana Ltd’s privacy policy. Most of the modern day interactive web sites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate / advertising partners may also use cookies. Please see our Privacy Policy listed on our website payana.com

3. Hyperlinking to our Content

The following organizations may link to our Web site without prior written approval:

Search engines;

News organizations;

Online directory distributors (when they list us in the directory may link to our Web site in the same manner as they hyperlink to the Web sites of other listed businesses);

These organizations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading;

(b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and

(c) fits within the context of the linking party's site.

We may consider and approve in our sole discretion other link requests from the following types of organizations: commonly-known consumer and/or business information sources such as Chambers of Commerce; dot.com community sites; online directory distributors; internet portals; accounting, law and consulting firms whose primary clients are businesses; and educational institutions and trade associations.

No use of Payana Ltd’s logo or other artwork will be allowed for linking unless a trademark license agreement is in place or formal prior approval has be sought and formally granted with written correspondence.

Reservation of Rights

We reserve the right at any time and in its sole discretion to request that you remove all links or any particular link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.

Removal of links from our website

If you find any link on our Web site or any linked web site objectionable for any reason, you may contact us about this. We will consider requests to remove links but will have no obligation to do so or to respond directly to you. Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.

Content Liability

We shall have no responsibility or liability for any content appearing on your Web site. You agree to indemnify and defend us against all claims arising out of or based upon your Website. No link(s) may appear on any page on your Web site or within any context containing content or materials that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Payana may disclose your campaign and advertising content, and all information associated with your advertising, to a governmental entity or body if we are summoned to assist in a lawful investigation and legally obliged to do so.

4. Advertising Campaign Policies

Our Advertising Campaign Policies (ACP) provide guidance on what types of campaigns we can place with our providers. When you, the Client, place an order or want to use our Platform (Payana), each order is reviewed against these policies.

Before adverts appear on platforms such as Facebook or Instagram, they're reviewed to make sure that they meet our and the provider’s Advertising Policies. Typically, most adverts are reviewed within 24 hours, although in some cases, it may take longer.

4.1 What we consider

During the Advertising Campaign (“Campaign”) review process, we'll check your advert's images, text, targeting and positioning, in addition to the content on your advert's landing page or pages. Your Campaign may not be approved if the landing page content isn't fully functional, does not match the product/service promoted in your advert or doesn't fully comply with our Advertising Policies.

4.2 What happens after a Campaign has been reviewed? After your campaign has been reviewed, you'll receive a notification letting you know whether your campaign has been approved. If it's approved, we'll start placing your advert or adverts, and you will be able to see your results in the Campaign Manager. 4.3 What happens if your Campaign was not approved Edit your campaign and adverts: If your advert hasn't been approved due to not fully complying with our policies, you can edit it and resubmit it for review. If you can't edit your advert or feel that it not being approved was a mistake, you can appeal the decision by email. 4.4 Prohibited content We do not approve the following types of adverts or campaigns that target the following types of content or services:

Illegal products or services: campaigns must not constitute, facilitate or promote banned or illegal products, services or activities. Adverts targeted to minors must not promote products, services or content that are inappropriate, illegal or unsafe, or that exploit, mislead or exert undue pressure on the age groups targeted.

Tobacco products: campaigns must not promote the sale or use of tobacco products and related paraphernalia. Drugs and drug-related products: campaigns must not promote the sale or use of illegal, prescription or recreational drugs.

Unsafe supplements: campaigns must not promote the sale or use of unsafe supplements, as determined by Payana at its sole discretion.

Weapons, ammunition or explosives: campaigns must not promote the sale or use of weapons, ammunition or explosives. This includes ads for weapon modification accessories or blueprints that allow for weapons to be created or modified so they act as live weapons.

Third-party infringement: campaigns and media used for campaigns must not contain content that infringes on or violates the rights of any third party, including copyright, trademark, privacy, publicity or other personal or proprietary rights. To report content that you feel may infringe upon or violate your rights, please contact us using the details provided.

Sensational or violent content: campaigns must not contain shocking, sensational, disrespectful or excessively violent content.

Non-functional landing page: campaigns, banners and adverts must not direct people to non-functional landing pages. This includes landing page content that interferes with a person's ability to navigate away from the page or pages that result in pop-ups or scripts that result in an effective lock-in to the page. This is strictly enforced and will result in your account being suspended. Non-existent functionality: campaigns must not contain images that portray non-existent functionality.

Personal health: campaigns must not contain "before-and-after" images or images that contain unexpected or unlikely results. Advert content must not imply or attempt to generate a negative self-perception in order to promote dietary, weight loss or other health-related products. Adverts for health, fitness or weight loss products must be targeted to people aged 18 years or older.

Counterfeit documents: adverts may not promote fake documents, such as counterfeit degrees, passports or immigration papers. Spyware, malware or hidden crypto mining or unauthorised processor usage: Adverts must not contain spyware, malware or any software that results in an unexpected or deceptive experience. This includes links to sites containing these products.

Unauthorised streaming devices: adverts must not promote products or items that facilitate or encourage unauthorised access to digital media or that facilitate copyright breach. Prohibited adult content: campaigns must not contain or promote prohibited or illegal adult content.

Prohibited or Unlicensed Financial Products and Services: campaigns and adverts must not promote financial products and services that are frequently associated with misleading or deceptive promotional practices or products and services that are not licensed or authorised or regulated.

Online pharmacies: campaigns must not promote the sale of prescription pharmaceuticals

Alcohol: Payana does not advertise or accept any campaigns that advertise alcohol and alcoholic beverages

Real money gambling: campaigns that promote or facilitate online real money gambling, real money games of skill or real money lotteries, including online real money casinos, sport books, bingo or poker.

4.5 Restricted campaigns

Restricted campaigns are subject to prior written approval from Payana. Below we will provide a list of products and services that are restricted:

Supplements: campaigns that promote acceptable dietary and herbal supplements may only target people who are at least 18 years of age.

5. Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will: limit or exclude our or your liability for death or personal injury resulting from negligence; limit or exclude our or your liability for fraud or fraudulent misrepresentation; limit any of our or your liabilities in any way that is not permitted under applicable law; or exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty. To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

6. Other Information

We reserve the right to reject, approve or remove any campaign or advert for any reason, at our sole discretion, including adverts that negatively affect our relationship with our users or that promote content, services or activities contrary to our competitive position, interests or advertising philosophy.

These Terms and Conditions are subject to change at any time without notice.

7. Contact Information

If you have any queries regarding any of our terms, please contact us: support(at)payana.com or via mail at: Payana Ltd, 20-22 Wenlock Road, London, UK.