Terms of Use | Pharos

1. Acceptance of Terms

These Terms of Use ("Terms") govern your access to and use of the website located at https://usepharos.io (the "Site") and the services provided by Mushroom Tech LLC, doing business as Pharos ("Pharos," "Company," "we," "us," or "our").

By accessing or using the Site or Service, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree, you may not access or use the Service.

2. Description of Services

Pharos provides technology infrastructure that enables businesses to:

Create payment links
Manage subscriptions
Configure coupons
Integrate third-party payment gateways
Monitor and manage payment-related operations

Pharos is a technology provider and does not:

Act as a bank
Act as a payment processor
Hold or store customer funds
Provide financial, legal, or tax advice

All payment transactions are processed by third-party payment providers selected by users of the Service.

3. Eligibility

You must:

Be at least 18 years old
Have the authority to enter into binding agreements
Use the Service on behalf of a valid business or legal entity (if applicable)

If you use the Service on behalf of a company, you represent that you have authority to bind that entity.

4. Account Registration

To access certain features, you must create an account. You agree to:

Provide accurate and complete information
Maintain the security of your account credentials
Notify us immediately of unauthorized use

You are responsible for all activity under your account.

We reserve the right to suspend or terminate accounts that violate these Terms.

5. Use Restrictions

You agree not to:

Use the Service for illegal or fraudulent activities
Violate any applicable law or regulation
Attempt to interfere with platform security
Reverse engineer or exploit the Service
Use the Service to process prohibited transactions

You are solely responsible for ensuring your business complies with applicable financial, tax, and regulatory laws.

6. Payment Processing and Third-Party Providers

Pharos integrates with third-party payment providers (such as Stripe, Mercado Pago, dLocal, or others).

You acknowledge and agree that:

Payment processing services are provided solely by third-party providers
Your relationship with such providers is governed by their terms
Pharos is not responsible for payment failures, chargebacks, disputes, or processing errors

Pharos does not store full payment card numbers or sensitive authentication data.

7. Fees and Billing

Use of certain features may require payment of fees. You agree to:

Pay all applicable fees
Provide accurate billing information
Authorize us (or our third-party billing provider) to charge applicable fees

All fees are non-refundable unless otherwise stated.

We reserve the right to modify pricing with reasonable notice.

8. Intellectual Property

All content, branding, software, technology, and materials associated with the Service are the exclusive property of Mushroom Tech LLC or its licensors.

You are granted a limited, non-exclusive, non-transferable license to use the Service solely in accordance with these Terms.

You may not:

Copy, distribute, or modify the platform
Use our branding without written permission

9. Data and Privacy

Your use of the Service is subject to our Privacy Policy.

You retain ownership of your business data. You grant Pharos a limited license to process such data solely to provide the Service.

10. Disclaimer of Warranties

The Service is provided "AS IS" and "AS AVAILABLE."

To the fullest extent permitted by law, Pharos disclaims all warranties, express or implied, including:

Merchantability
Fitness for a particular purpose
Non-infringement

We do not guarantee:

Uninterrupted service
Error-free functionality
That the Service will meet your specific business requirements

11. Limitation of Liability

To the maximum extent permitted by law, Pharos shall not be liable for:

Indirect, incidental, special, consequential, or punitive damages
Loss of profits, revenue, data, or business opportunities
Chargebacks, fraud losses, or third-party claims

In no event shall Pharos's total liability exceed the greater of:

The amount paid by you to Pharos in the twelve (12) months preceding the claim, or
$500 USD

12. Indemnification

You agree to indemnify and hold harmless Mushroom Tech LLC, its officers, directors, employees, and affiliates from any claims, damages, liabilities, and expenses arising out of:

Your use of the Service
Your violation of these Terms
Your violation of any law or third-party rights

13. Termination

We may suspend or terminate your access to the Service at any time if:

You violate these Terms
We suspect fraudulent or illegal activity
Required by law

You may terminate your account at any time.

Termination does not relieve you of payment obligations accrued prior to termination.

14. Modifications

We reserve the right to modify these Terms at any time.

We will provide notice of material changes by:

Posting the updated Terms on the Site
Sending email notification (if applicable)

Continued use of the Service after changes constitutes acceptance.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles.

Any disputes arising under these Terms shall be resolved in the state or federal courts located in Delaware.

16. Contact Information

Pharos
Operated by Mushroom Tech LLC

Email: contact@usepharos.io

Website: https://usepharos.io