Last Updated: Feb 24, 2026

IMPORTANT — PLEASE READ THESE TERMS CAREFULLY

These Terms of Service (“Terms”) govern your access to and use of https://wehandl.io, all related subdomains, any Handl-owned or Handl-operated affiliated websites, and all mobile, downloadable, API-based, or embedded applications and services (collectively, the “Platform”).

The Platform includes all software, tools, payment systems, checkout technology, buy-now-pay-later integrations, payout infrastructure, affiliate systems, customer relationship management features, analytics modules, dashboards, application programming interfaces (APIs), content delivery systems, and related services made available by NXM Technologies LLC, a Wyoming limited liability company doing business as Handl (“Handl,” “we,” “us,” or “our”).

By accessing, browsing, registering for, installing, or otherwise using the Platform — whether as a Seller, Buyer, Affiliate, partner, or visitor — you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Platform.

IMPORTANT NOTICE REGARDING DISPUTE RESOLUTION

THESE TERMS CONTAIN A MANDATORY BINDING ARBITRATION PROVISION AND A WAIVER OF CLASS ACTION AND JURY TRIAL RIGHTS.

ALL DISPUTES ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM SHALL BE RESOLVED THROUGH FINAL, INDIVIDUAL ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) UNDER ITS COMMERCIAL ARBITRATION RULES.

YOU WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.

TABLE OF CONTENTS

PART I — SELLER TERMS

1. Seller Accounts and Platform Access
2. Merchant of Record and Platform Structure
3. Seller Responsibilities and Compliance
4. Fees, Payments, Reserves, and Risk Allocation
5. Affiliate Program
6. Suspension and Termination
7. Intellectual Property

PART II — BUYER TERMS
8. Eligibility and Account Responsibility
9. Payments and Merchant of Record
10. Subscriptions and Recurring Charges
11. Refund Policy and Buyer Protection
12. Chargebacks and Fraud
13. Disclaimer Regarding Seller Offerings

PART III — UNIVERSAL TERMS (Apply to All Users)
14. Dispute Resolution and Arbitration
15. Limitation of Liability and Disclaimer
16. Indemnification
17. Governing Law and Venue
18. General Provisions

PART I — SELLER TERMS

These Seller Terms govern access to and use of the Platform by any individual or entity approved to offer goods or services through the Platform (“Seller”). By creating a Seller account, submitting an Offering, or otherwise using Seller functionality, Seller agrees to be bound by these Terms and the General Terms set forth in Part III.

Seller acknowledges that access to the Platform is a conditional, revocable license subject to ongoing compliance with these Terms and applicable Payment Partner requirements.

1. Seller Accounts and Platform Access

1.1 Eligibility and Registration.
To access Seller functionality, Seller must complete the onboarding process and provide accurate, complete, and current information, including business details, identity verification documentation, beneficial ownership disclosures, tax information, and payout account verification. Seller represents and warrants that: (a) Seller is at least eighteen (18) years of age and has legal capacity to enter into binding agreements; (b) if acting on behalf of a legal entity, Seller has authority to bind that entity; (c) all information provided to Handl is accurate and complete; and (d) Seller is not subject to sanctions administered by the U.S. Department of the Treasury’s Office of Foreign Assets Control or any comparable governmental authority.

1.2 Ongoing Compliance.
Seller agrees to promptly update any information that becomes inaccurate or outdated and to comply with all requests from Handl or its Payment Partners relating to verification, underwriting, compliance reviews, or regulatory inquiries. Failure to provide requested information may result in restriction or suspension of Seller’s access to the Platform.

1.3 Platform Modifications.
Handl may modify, update, suspend, or discontinue any portion of the Platform at any time. Handl may also update these Terms by posting revised terms on the Platform. Continued use of the Platform following any modification constitutes acceptance of the updated Terms.

2. Merchant of Record and Platform Structure

2.1 Merchant of Record. Handl operates as the Merchant of Record for all transactions processed through the Platform. Buyers enter into payment transactions with Handl, and Handl is the contracting merchant for purposes of payment processing, billing, refunds, chargebacks, and tax calculation where applicable.

2.2 Seller Relationship.
Seller supplies the underlying goods or services pursuant to its relationship with Handl. Seller acknowledges that Handl retains sole authority over checkout configuration, billing descriptors, payment routing, refund determinations, and chargeback administration. Nothing in these Terms creates a partnership, joint venture, employment relationship, or fiduciary relationship between Handl and Seller.

2.3 Agency of Payee.
Seller appoints Handl as its limited agent for the purpose of collecting payments from Buyers and administering refunds and dispute adjustments. Payment by a Buyer to Handl satisfies the Buyer’s payment obligation to Seller for purposes of transaction completion, subject to the reserve, offset, and withholding rights described herein.

2.4 Payment Partner Dependence.
Payment processing functionality is dependent upon acquiring banks, card networks, and other financial institutions. Seller acknowledges that access to payment functionality is contingent upon continued approval by Handl and its Payment Partners.

3. Seller Responsibilities and Compliance

3.1 Responsibility for Offerings.
Seller is solely responsible for the legality, accuracy, delivery, and performance of all Offerings submitted to the Platform. Seller shall ensure that all Offerings comply with applicable laws, including consumer protection, advertising, intellectual property, privacy, sanctions, and export control laws.

3.2 Compliance With Network and Payment Rules.
Seller agrees to comply with all applicable card network operating rules and Payment Partner requirements. Seller shall not engage in conduct that may result in excessive chargebacks, fraud monitoring program enrollment, network fines, or reputational harm to Handl.

3.3 Prohibited Conduct.
Seller shall not use the Platform to offer unlawful, infringing, deceptive, or high-risk goods or services. Seller shall not engage in misleading marketing practices, artificial transaction inflation, sham transactions, or manipulation of authorization or dispute metrics.

3.4 Recordkeeping and Cooperation.
Seller shall maintain accurate transaction records, fulfillment documentation, and communications relating to Buyer transactions for at least twenty-four (24) months and shall provide requested documentation promptly in connection with compliance reviews, disputes, or regulatory inquiries.

4. Fees, Payments, Reserves, and Risk Allocation

4.1 Fees.
Seller agrees to pay all applicable Platform fees, processing fees, Payment Partner fees, dispute handling fees, currency conversion charges, and other charges disclosed during onboarding or communicated through the Platform. Handl may modify fee schedules upon notice.

4.2 Allocation of Proceeds.
Gross transaction proceeds are received by Handl as Merchant of Record. Seller is entitled only to net proceeds after deduction of fees, refunds, chargebacks, taxes where applicable, reserves, offsets, penalties, and other authorized withholdings.

4.3 Settlement Timing.
Payout timing is determined by Handl in its discretion and may vary based on Seller risk profile, transaction history, dispute activity, or Payment Partner requirements. Displayed payout estimates are informational only and do not create contractual entitlement.

4.4 Reserves and Withholding.
Handl may establish rolling or fixed reserves or withhold funds where reasonably necessary to mitigate financial, regulatory, or reputational risk. Reserve levels may be adjusted based on dispute rates, fraud exposure, transaction volume changes, or Payment Partner directives. Funds may be withheld for up to one hundred eighty (180) days or longer where necessary to address potential liabilities.

4.5 Chargeback and Dispute Liability.

Seller bears full financial responsibility for all chargebacks, payment reversals, fraud losses, disputes, monitoring program assessments, network fines, and related penalties arising from or attributable to Seller’s Offerings, marketing practices, fulfillment, or conduct.

Handl may, in its discretion, investigate, contest, re-present, settle, or accept any dispute or chargeback. Seller authorizes Handl to provide transaction records, fulfillment confirmations, access logs, communications, and other relevant data to issuing banks, Payment Partners, and card networks in connection with dispute resolution.

All chargeback amounts, dispute fees, and related costs may be deducted from Seller’s current or future balances. If insufficient funds exist, Seller agrees to promptly remit payment upon demand. Handl’s right of offset and recovery survives termination of Seller’s account.

4.6 Security Interest and Negative Balances.
To secure Seller’s obligations, Seller grants Handl a continuing security interest in funds processed through the Platform, including reserve balances and receivables. If Seller’s account reflects a negative balance, Seller shall promptly cure the deficit. Handl may pursue available remedies to recover outstanding amounts.

5. Affiliate Program

5.1 Responsibility for Affiliates.
Where Seller utilizes affiliate functionality, Seller remains responsible for the conduct of affiliates, sub-affiliates, and marketing partners. Affiliate misconduct shall be treated as Seller misconduct.

5.2 Commission Adjustments.
Affiliate commissions are subject to adjustment or reversal in the event of refunds, chargebacks, or fraud activity. Seller remains responsible for financial exposure arising from affiliate-driven transactions.

6. Suspension and Termination

6.1 Discretionary Enforcement.
Access to the Platform is a conditional privilege. Handl may suspend, restrict, or terminate Seller’s account where Seller activity presents financial, legal, regulatory, or reputational risk or violates these Terms.

6.2 Protective Measures.
In connection with suspension or investigation, Handl may freeze balances, increase reserves, delay payouts, remove Offerings, or restrict specific functionality.

6.3 Continuing Liability.
Termination does not relieve Seller of liability for prior transactions, chargebacks, refunds, fees, or indemnification obligations. Financial risk controls, reserve rights, and offset rights survive termination.

7. Intellectual Property

7.1 Seller Content.
Seller retains ownership of original content submitted to the Platform but grants Handl a worldwide, non-exclusive, royalty-free license to host, use, display, distribute, and reproduce such content as necessary to operate the Platform and process transactions.

7.2 Platform Ownership.
All rights, title, and interest in and to the Platform, including software, payment infrastructure, analytics systems, and related intellectual property, remain exclusively with Handl or its licensors.

PART II — BUYER TERMS

These Buyer Terms govern all purchases, subscriptions, digital access, and transactions completed through the Platform. By completing a transaction, enrolling in a subscription, or accessing digital content through the Platform, Buyer agrees to be bound by these Terms and the General Terms set forth in Part III.

If Buyer does not agree, Buyer must not complete the transaction.

8. Eligibility and Account Responsibility

8.1 Eligibility.
Buyer represents and warrants that Buyer is at least eighteen (18) years of age (or the age of majority in Buyer’s jurisdiction) and has the legal capacity to enter into binding agreements. Buyer further represents that Buyer is not located in, ordinarily resident in, or subject to sanctions in any jurisdiction subject to comprehensive economic restrictions.

8.2 Accurate Information.
Buyer agrees to provide accurate, complete, and current billing, contact, and payment information in connection with any transaction. Use of false, misleading, or unauthorized payment credentials may result in transaction cancellation, refund reversal, or restriction of access to the Platform.

8.3 Account Security.
Where Buyer is issued login credentials, Buyer is responsible for maintaining the confidentiality of such credentials and for all activity occurring under the associated account. Buyer must promptly notify Handl of any suspected unauthorized use.

9. Payments and Merchant of Record

9.1 Merchant of Record.
All transactions processed through the Platform are entered into with NXM Technologies LLC (d/b/a Handl) as the Merchant of Record for payment processing purposes. The billing descriptor may reflect Handl or a related identifier.

9.2 Authorization of Charges.
By submitting payment information, Buyer authorizes Handl and its financial partners to charge the designated payment method for the full purchase amount, including applicable taxes, subscription renewals, installment payments, and disclosed fees.

9.3 Payment Failures.
If a charge is declined or authorization fails, Handl may retry the charge, request updated payment information, suspend access to purchased content, or cancel the transaction.

10. Subscriptions and Recurring Charges

10.1 Automatic Renewal.
Certain Offerings are provided on a recurring or subscription basis. Where applicable, subscriptions automatically renew at the interval disclosed at checkout unless canceled prior to the next billing date.

By enrolling in a subscription, Buyer expressly authorizes Handl and its financial partners to charge the designated payment method at each renewal period until cancellation.

10.2 Cancellation.
Buyer may cancel renewal of a subscription by submitting a cancellation request through support@wehandl.io or through the official support portal identified on the Platform. Cancellation requests must be received at least twenty-four (24) hours prior to the next scheduled billing date to prevent renewal.

Cancellation prevents future recurring charges but does not affect charges already processed. Fees paid prior to the effective date of cancellation are non-refundable except where required by applicable law.

10.3 Payment Authorization and Retries.
Buyer authorizes Handl to reattempt declined recurring charges using the payment method on file. If payment cannot be completed, access to the associated Offering may be suspended or terminated.

10.4 Installment Payment Plans.
Where installment payment options are offered, Buyer remains obligated to complete all scheduled payments unless expressly stated otherwise in the Offering terms. Failure to complete installment payments may result in suspension or revocation of access and may be referred for collection where permitted by law.

11. Refund Policy and Buyer Protection

11.1 Submission of Refund Requests.
All refund requests must be submitted in writing to support@wehandl.io or through the official support portal designated on the Platform. Refund requests must be received within fourteen (14) days of delivery or the date on which delivery was expected, unless a different timeframe is clearly stated in the applicable Offering.

11.2 Grounds for Review.
Refund requests may be reviewed where Buyer asserts that: (a) the purchased product or service was not delivered; (b) the product or service materially differs from its description at checkout; or (c) the transaction was unauthorized.

Handl may coordinate with the Seller during its review; however, Handl retains sole discretion to determine whether a refund, replacement, credit, or denial is appropriate. Refund determinations made by Handl are final, subject only to applicable mandatory law.

11.3 Digital Content and Immediate Access.
Buyer acknowledges that many Offerings consist of digital goods, memberships, or services delivered immediately upon purchase. Where digital content has been accessed, downloaded, or otherwise made available, refund eligibility may be limited to the extent permitted by law.

11.4 Method of Refund.
Approved refunds are issued solely by Handl through its financial partners and will be returned to the original payment method used for the transaction. Handl does not issue refunds in cash, by wire transfer, or to alternative payment methods unless required by law.

12. Chargebacks and Fraud

12.1 Resolution Requirement.
Buyer agrees to contact Handl at support@wehandl.io to seek resolution prior to initiating a chargeback, payment reversal, or dispute with Buyer’s issuing bank or payment provider.

12.2 Chargeback Administration.
Handl reserves the right to investigate, dispute, re-present, or otherwise respond to any chargeback through its financial partners. Buyer authorizes Handl to provide transaction records, access logs, IP data, communications, and other relevant evidence to issuing banks or payment networks in connection with dispute resolution.

12.3 Fraudulent or Abusive Disputes.
Submission of fraudulent, abusive, or knowingly unwarranted chargebacks constitutes a material violation of these Terms and may result in suspension or permanent restriction of Buyer’s access to the Platform. Handl may pursue recovery of associated fees, penalties, and damages to the extent permitted by law.

12.4 Fraud Monitoring and Transaction Controls.
Handl may implement fraud detection measures, transaction monitoring systems, and identity verification protocols. Transactions identified as suspicious may be declined, reversed, or delayed pending review. Repeated misuse of refund processes or dispute mechanisms may result in restricted purchasing privileges.

13. Disclaimer Regarding Seller Offerings

Seller Offerings are provided by independent third parties. Handl facilitates payment processing and transaction administration but does not control the content, quality, or performance of Seller Offerings.

Handl does not guarantee specific results, financial outcomes, business success, or performance improvements arising from any Offering. Buyer acknowledges that individual results vary and that any representations regarding outcomes are made by the Seller, not Handl.

PART III — UNIVERSAL TERMS

The provisions in this Part III apply to all Users of the Platform, including Sellers, Buyers, Affiliates, partners, and any other individuals or entities accessing or using the Platform (“Users”).

14. Dispute Resolution and Arbitration

14.1 Agreement to Arbitrate.
Any dispute, claim, controversy, or cause of action arising out of or relating to these Terms, the Platform, any transaction processed through the Platform, or the relationship between User and Handl (collectively, “Disputes”) shall be resolved exclusively through final and binding arbitration administered by the American Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules then in effect, except as otherwise expressly provided herein.

14.2 Arbitration Venue and Authority.
The arbitration shall be conducted in the State of Wyoming unless otherwise required by applicable law. The arbitrator shall have exclusive authority to determine the scope, enforceability, and applicability of this arbitration provision, including any claim that all or part of this provision is void or voidable. Judgment upon the arbitration award may be entered in any court having jurisdiction thereof.

14.3 Waiver of Jury Trial.
To the fullest extent permitted by law, User knowingly and irrevocably waives any right to a trial by jury in any proceeding arising out of or relating to these Terms or the Platform.

14.4 Class and Representative Action Waiver.
All Disputes shall be brought solely in an individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator shall not have authority to conduct any class, collective, or representative arbitration or to award relief on behalf of any person or entity other than the individual party to the arbitration.

14.5 Small Claims Exception.
Notwithstanding the foregoing, either party may bring an individual action in small claims court for Disputes that qualify for such court, provided the action remains on an individual basis and does not seek class or representative relief.

15. Limitation of Liability and Disclaimer

15.1 Disclaimer of Warranties.
The Platform is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, Handl disclaims all warranties of any kind, whether express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, reliability, availability, or uninterrupted access.

15.2 No Guarantee of Outcomes.
Handl does not warrant that the Platform will operate without interruption, that errors will be corrected, that fraud attempts will be prevented, or that the Platform or servers are free of harmful components.

15.3 Limitation of Liability.
To the maximum extent permitted by applicable law, Handl and its affiliates, officers, directors, employees, agents, licensors, acquiring banks, and Payment Partners shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including damages for lost profits, lost revenues, lost business opportunities, loss of goodwill, data loss, or reputational harm.

15.4 Liability Cap.
To the fullest extent permitted by law, the total aggregate liability of Handl arising out of or relating to these Terms or the Platform shall not exceed the greater of (a) one hundred U.S. dollars (USD $100), or (b) the total fees paid by the User to Handl during the twelve (12) months immediately preceding the event giving rise to the claim.

15.5 Third-Party Services.
Handl shall not be liable for the acts, omissions, decisions, delays, or failures of Payment Partners, acquiring banks, BNPL providers, or other third-party service providers.

16. Indemnification

User agrees to indemnify, defend, and hold harmless Handl and its affiliates, officers, directors, employees, agents, licensors, acquiring banks, Payment Partners, and service providers from and against any and all claims, demands, actions, proceedings, damages, liabilities, losses, fines, penalties, assessments, judgments, settlements, and expenses, including reasonable attorneys’ fees, arising out of or relating to:

(a) User’s violation of these Terms;
(b) User’s breach of applicable law or regulatory requirements;
(c) User’s fraudulent, deceptive, or negligent conduct;
(d) infringement or alleged infringement of intellectual property or proprietary rights;
(e) chargebacks, disputes, monitoring program assessments, or network fines attributable to User; or
(f) any claim arising from User’s content, Offerings, or use of the Platform.

Handl reserves the right to assume exclusive control of the defense of any matter subject to indemnification, and User agrees to cooperate fully in such defense.

17. Governing Law and Venue

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

Subject to the arbitration provisions above, any action permitted to proceed in court shall be brought exclusively in the state or federal courts located in Wyoming. User consents to personal jurisdiction in such courts.

18. General Provisions

18.1 Force Majeure.
Handl shall not be liable for any delay or failure to perform resulting from causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, governmental actions, internet outages, telecommunications failures, payment network disruptions, banking interruptions, or failures of third-party service providers.

18.2 Assignment.
User may not assign or transfer any rights or obligations under these Terms without prior written consent from Handl. Handl may freely assign these Terms in connection with a merger, acquisition, restructuring, or sale of assets.

18.3 Severability.
If any provision of these Terms is held invalid or unenforceable, such provision shall be modified to the minimum extent necessary to render it enforceable, and the remaining provisions shall remain in full force and effect.

18.4 Entire Agreement.
These Terms constitute the entire agreement between User and Handl with respect to the Platform and supersede all prior or contemporaneous agreements.

18.5 Modifications.
Handl may modify these Terms at any time by posting updated terms on the Platform. Continued use of the Platform following such posting constitutes acceptance of the revised Terms.

18.6 Notices.
Handl may provide notices by email, dashboard notification, or posting on the Platform. Notices to Handl must be sent to support@wehandl.io unless otherwise designated.

18.7 No Waiver and Survival.
Failure by Handl to enforce any provision shall not constitute a waiver of such provision. Provisions that by their nature should survive termination, including dispute resolution, limitation of liability, indemnification, and financial obligations, shall survive termination of these Terms.