Terms of Service

Last updated: August 5, 2025

1. Acceptance of Terms

By accessing and using VibeMoney's payment simulation services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

VibeMoney provides payment simulation API services that allow developers and businesses to test payment flows without processing real money transactions. Our service simulates the complete payment experience including card data collection, 3D Secure authentication, and payment confirmations.

3. User Accounts

Account Registration

  • You must provide accurate and complete information when creating an account
  • You are responsible for maintaining the security of your account credentials
  • You must notify us immediately of any unauthorized use of your account
  • One account per user or organization

API Key Management

  • API keys are confidential and must not be shared with third parties
  • You are responsible for all activity that occurs using your API keys
  • Immediately revoke compromised API keys and generate new ones

4. Acceptable Use

You agree to use VibeMoney services only for lawful purposes and in accordance with these Terms. You agree NOT to:

  • Use the service for actual payment processing or real money transactions
  • Attempt to circumvent security measures or access unauthorized data
  • Use the service to collect sensitive payment information for malicious purposes
  • Violate any applicable laws or regulations
  • Interfere with or disrupt the service or servers
  • Reverse engineer or attempt to extract the source code

5. Payment Simulation

VibeMoney operates as a payment simulation service where:

  • No real money transactions are processed
  • All transactions are simulated for testing purposes only
  • Card data is processed securely through certified payment processors
  • Transaction data is used solely for conversion analytics and testing

6. Service Availability

While we strive to maintain high availability, VibeMoney makes no guarantees about service uptime. We reserve the right to:

  • Modify or discontinue the service with reasonable notice
  • Perform maintenance that may temporarily affect service availability
  • Implement rate limits and usage restrictions
  • Suspend accounts that violate these terms

7. Data and Privacy

Your use of VibeMoney is also governed by our Privacy Policy. By using our service, you consent to the collection and use of information as described in our Privacy Policy.

8. Intellectual Property

VibeMoney and its original content, features, and functionality are owned by VibeMoney and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

9. Limitation of Liability

VibeMoney shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the service.

10. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the updated Terms on our website and updating the "Last updated" date.

12. Contact Information

Questions about the Terms of Service should be sent to us at terms@vibemoney.com