The rules of the road
for using Offry.

These Terms of Service ("Terms") form a binding agreement between you and MZED Studio Limited. By creating an account, clicking a button marked "I agree", connecting a Stripe account, or otherwise using the Offry service (the "Service"), you confirm that you have read, understood, and agree to these Terms, together with our Acceptable Use Policy and our Privacy Policy, both of which are incorporated into and form part of these Terms.

The Service is intended for businesses and other organisations using it in the course of trade. By signing up you confirm that:

• You are at least 18 years old.
• You are accessing the Service for business purposes (not as a consumer).
• You have authority to bind the business or organisation you represent.
• You are not located in, and will not use the Service from, any jurisdiction subject to comprehensive sanctions enforced by the UK, EU, or US, and you are not on any restricted-parties list maintained by those authorities.

Offry is a software platform that helps creators and high-ticket closers ("Creators") build branded payment offers, accept deposits, manage installment plans, and deliver lifecycle webhooks. Payments are processed through your own Stripe account via Stripe Connect. We do not hold customer funds at any point. Money moves directly between your customer and your Stripe balance.

Your use of the Service is also subject to Stripe Connect's terms. If those terms conflict with these Terms in a way that affects payment processing, Stripe's terms take precedence for the affected payment.

You are responsible for keeping your account credentials secure and for all activity that occurs under your account. You must promptly notify us at legal@offry.co of any actual or suspected unauthorised access.

Team members you invite (owner, admin, closer roles) act on your behalf. You remain responsible for their access to and use of the Service and for ensuring they comply with these Terms.

You may close your account at any time from the dashboard. Closing your account does not affect payment schedules already running in your Stripe account.

The Service is currently offered in beta. During the beta period:

• The Service is provided "as is" and "as available" while we actively iterate on features.
• We do not commit to any service-level agreement, uptime guarantee, or specific availability target.
• Features may be added, modified, deprecated, or removed without notice as we refine the product.
• Beta pricing is locked for accounts that join during the beta. Specifically, accounts created and activated before we announce the end of the beta will continue to be billed at the beta platform fee (currently 3.5% of collected revenue, with no monthly subscription) for the lifetime of the account, even after the beta formally ends and standard paid tiers become available. We may introduce optional paid tiers with additional features at any time; no existing beta account will be required to migrate to a paid tier to continue using the Service at the beta rate. See §5.

We will give reasonable advance notice before the beta ends and before any change that materially reduces the functionality you rely on.

During the beta period, the Service is available at £0 / month with a flat 3.5% platform fee applied to collected revenue. The platform fee is deducted automatically by Stripe as an application fee at the time of each charge. Stripe's own processing fees are separate and payable directly to Stripe under your Stripe Connect agreement.

When you refund a payment to your customer through Stripe, Stripe automatically reverses our platform fee in proportion to the refunded amount. This is Stripe's standard Connect behaviour and requires no additional action from you.

Beyond the platform fee, we do not charge separately for refunds, chargebacks, or disputes. Stripe's fees for disputes and chargebacks apply per your Stripe Connect agreement.

You agree not to circumvent the platform fee, for example by routing payments outside the Service for offers that were created, sent, or negotiated using the Service. Doing so is grounds for suspension under §10.

We will announce paid tiers and pricing changes at least 30 days before they take effect.

Information about your prospects and customers (names, email addresses, payment status, offer history) is your data. You are the data controller for this information; MZED Studio Limited processes it on your behalf as a service provider / processor. See our Privacy Policy for the full processing description.

You are responsible for having a lawful basis to send each offer and for ensuring your communications to prospects comply with applicable law (including GDPR, UK GDPR, PECR, CAN-SPAM, and equivalent regulations).

You may export your offer history and prospect list at any time from the dashboard. If you stop using Offry, payment schedules already created in Stripe continue to run in your Stripe account.

Your use of the Service is governed by our Acceptable Use Policy, which is incorporated into and forms part of these Terms. The Acceptable Use Policy sets out the businesses, products, services, and behaviours that are not allowed on Offry, including categories that follow from Stripe's prohibited and restricted businesses list and additional categories specific to Offry.

Breaching the Acceptable Use Policy is a breach of these Terms and may result in suspension or termination of your account under §10.

If you become aware of a security vulnerability in the Service, email legal@offry.co. We commit to acting in good faith on responsible disclosure.

When you create and send offers through Offry, you make the following commitments about each offer:

• You have the right to sell what you are offering. You hold the necessary rights, licences, and authorisations to provide the goods or services described, and your provision of them does not infringe any third party's intellectual property, contractual, or other rights.
• You will deliver what you describe. The deliverables, scope, timeline, format, and quality represented on the offer page reflect what you actually intend to provide. If circumstances change after the offer is paid, you will communicate with the prospect and reach a fair resolution.
• You have stated price and terms accurately. The total amount the prospect will pay, including any deposit, installment schedule, recurring charges, and applicable taxes, is clear on the offer page before payment.
• You are the seller of record. Each transaction is a direct sale between you and your customer. You are responsible for fulfilment, customer support, refunds, cancellations, and any disputes arising from the offer.
• You will handle disputes and chargebacks directly. When a customer initiates a chargeback, refund request, or other dispute through their bank, card issuer, or Stripe, you are responsible for responding through Stripe's standard Connect dispute flow within the timelines Stripe sets. Offry does not arbitrate disputes between you and your customer and does not represent either side in a chargeback investigation.
• You will issue refunds in line with your published policy and applicable law. Refunds are processed through Stripe and, in line with Stripe's standard Connect behaviour, reverse Offry's platform fee in proportion to the refunded amount (see §5).

You acknowledge that elevated chargeback ratios, fraud rates, or refund rates on your account may, independent of any specific breach of these Terms, lead to additional controls or reserves imposed by Stripe, additional monitoring by Offry, or, in serious cases, suspension of your account under §10. Card-network monitoring programs (including Visa's Acquirer Monitoring Program and Mastercard's equivalent) operate on metrics calculated at Stripe's level, and Stripe may pass corresponding requirements through to you.

When you offer your customers a payment plan through Offry, the relationship is between you (the seller) and your customer. You are extending the schedule for your own goods or services. Offry provides the software that runs the schedule and Stripe processes the payments.

Offry is not a lender, credit broker, credit intermediary, finance company, or financial-services firm of any kind. We do not originate loans, do not purchase or service loans, do not assess creditworthiness, do not extend credit to your customers, and do not hold any portion of your customer's debt. Our platform fee is a fee for software, not for financing.

You are responsible for compliance with all applicable consumer-credit, lending, disclosure, and advertising laws in the jurisdictions where you and your customer are located. This includes, without limitation: the Truth in Lending Act and Regulation Z (United States); Article 60F(2) of the Regulated Activities Order and the Consumer Credit Act 1974 (United Kingdom); the Consumer Credit Directive and the forthcoming Consumer Credit Directive II (European Union); and equivalent legislation in your customer's jurisdiction. The specific operational requirements that follow from these laws, including the maximum number of installments, the maximum schedule length, the prohibition on charging interest, fees, or default charges where applicable, and any required pre-contract disclosures, are set out in our Acceptable Use Policy §9 and in our installments product documentation.

We strongly recommend that you obtain independent legal advice before offering installment plans to consumers (as distinct from business buyers), particularly if you sell across multiple jurisdictions or your installment plans are not interest-free, fee-free, and within 12 months and 12 instalments.

We may suspend or terminate your account if you breach these Terms, if Stripe flags your account for compliance reasons, or if your use of the Service presents legal, financial, or reputational risk to MZED Studio Limited, other users, or third parties.

Where reasonably practical and not prohibited by law or by an urgent risk, we will give you notice and a chance to remedy a breach before terminating. Suspensions related to Stripe compliance flags follow Stripe's timeline, which we cannot override.

You may close your account at any time from the dashboard. Sections that by their nature should survive termination (including §6, §9, §11, §12, §13, §14, §15) survive.

We retain all right, title, and interest in and to the Service, including all software, designs, trademarks, and documentation. These Terms grant you a non-exclusive, non-transferable, revocable licence to access and use the Service for your business in accordance with these Terms.

You retain all right, title, and interest in the content you upload or create using the Service (product descriptions, branding, prospect lists, offer history). You grant us a worldwide, royalty-free licence to host, store, transmit, and display that content solely as necessary to provide the Service to you.

If you believe content on the Service infringes your intellectual property, send a written notice to legal@offry.co including (a) your contact details, (b) identification of the work allegedly infringed, (c) identification of the material on the Service, (d) a statement that you have a good-faith belief that the use is not authorised, and (e) a statement that the information is accurate and that you are authorised to act on the rights-holder's behalf.

To the maximum extent permitted by law, the Service is provided "as is" and "as available", without warranties of any kind, whether express, implied, statutory, or otherwise. MZED Studio Limited specifically disclaims any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the Service will be uninterrupted, error-free, secure against every threat, or that it will meet your specific business requirements. Beta software in particular may contain defects (see §4).

Nothing in this section limits warranties that cannot lawfully be excluded or limited (including any statutory rights that you have as a consumer if these Terms are construed to apply to you in that capacity).

To the maximum extent permitted by law:

• Neither party will be liable to the other for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, goodwill, anticipated savings, or data, even if advised of the possibility of such damages.
• MZED Studio Limited's total aggregate liability under or in connection with these Terms or the Service, however arising (including in contract, tort, negligence, or under statute), will not exceed the greater of (a) £100 GBP, or (b) the total fees actually paid by you to MZED Studio Limited for the Service in the 12 months preceding the event that gave rise to the claim.

Nothing in these Terms limits or excludes either party's liability for: (i) death or personal injury caused by negligence; (ii) fraud or fraudulent misrepresentation; (iii) wilful misconduct; or (iv) any other liability that cannot be limited or excluded under applicable law.

You agree to defend, indemnify, and hold harmless MZED Studio Limited, its officers, employees, and contractors from and against any third-party claims, losses, damages, liabilities, and reasonable expenses (including legal fees) arising out of: (a) your use of the Service in breach of these Terms; (b) your violation of any law; (c) the content of your offers and communications to your customers; or (d) your infringement of any third-party right.

We will defend, indemnify, and hold you harmless from and against third-party claims that the Service itself, as provided by us and used in accordance with these Terms, infringes that third party's intellectual-property rights, subject to the cap in §13.

The party seeking indemnification will promptly notify the indemnifying party of the claim, give the indemnifying party sole control of the defence and settlement (provided no settlement admits liability without consent), and reasonably cooperate at the indemnifying party's expense.

These Terms are governed by the laws of England and Wales, without regard to its conflict-of-laws principles.

Before bringing any formal claim, the parties agree to attempt to resolve the dispute in good faith via written correspondence for at least 30 days starting from the date one party notifies the other of the dispute at legal@offry.co.

If informal resolution fails, the courts of England and Wales have exclusive jurisdiction to settle any dispute arising out of or in connection with these Terms or their subject matter, except that:

• Either party may bring a small-claim action in its local small-claims court (or equivalent) where the amount in dispute is within that court's jurisdiction.
• Either party may seek urgent injunctive or equitable relief in any court of competent jurisdiction.

To the extent permitted by applicable law, the parties waive any right to participate in a class, collective, or representative action.

We may update these Terms from time to time. We will announce material changes at least 14 days before they take effect via in-app notification or email. Continued use of the Service after the effective date constitutes acceptance of the revised Terms. If you do not agree to the revised Terms, you may close your account before they take effect.

Questions about these Terms? Email legal@offry.co or write to MZED Studio Limited, 8 Eastfield Close, Townhill, Swansea, Wales, SA1 6SG.