Terms of Service
Last updated: [add date when published]
1. Who we are
PayMint ("PayMint", "we", "us") provides an invoicing and payments tool for New Zealand small businesses. These terms apply when you create an account and use the service.
2. What the service does
PayMint lets you create and send invoices, with GST calculated automatically (or switched off if you're not GST-registered), and lets your customers pay by card, Apple Pay or Google Pay. Payments are processed by Stripe and paid directly into your own connected bank account — PayMintdoes not hold or take custody of your funds at any point. A 1% fee is deducted automatically from each payment your customer completes; there is no monthly fee or setup cost.
3. Your account
You must provide accurate information when signing up, including your business details and GST registration status, and keep your login credentials secure. You're responsible for activity that happens under your account, and for the accuracy of the invoices you send to your customers.
4. GST and tax
GST is calculated at the standard rate as a convenience based on the GST-registration status you set in your account settings. This is not tax advice — you're responsible for confirming your own GST obligations, ideally with an accountant or Inland Revenue, and for correctly setting your registration status in the app.
5. Payments and third parties
Payments are processed by Stripe, invoice/receipt emails are sent via Resend, and the service is hosted on Vercel. Your use of PayMint is also subject to Stripe's own terms for the connected account you create. We're not responsible for outages or issues caused by these third-party providers.
6. Acceptable use
Don't use PayMint to invoice for anything illegal, to defraud a customer, or in a way that breaches Stripe's own prohibited-business terms. We can suspend or close accounts that misuse the service.
7. Disclaimer and liability
The service is provided "as is." To the extent permitted by law, PayMint isn't liable for indirect or consequential losses arising from your use of the service, including losses arising from third-party outages, incorrect information you enter, or disputes between you and your customers.
8. Ending your account
You can stop using PayMint at any time. We may suspend or close an account for misuse or non-payment of fees owed. Ending your account doesn't affect fees already payable on invoices already paid.
9. Changes to these terms
We may update these terms from time to time. Continuing to use PayMint after a change means you accept the updated terms.
10. Governing law
These terms are governed by the laws of New Zealand.
11. Contact
Questions about these terms? Email help@paymint.co.nz.