Appfinity Store
Quick search:
Appfinity Store
GET NOW – PAY LATER TERMS AND CONDITIONS
Last updated: 22.09.2025
These Terms and Conditions (“Agreement”) govern the use of the Get Now – Pay Later (GNPL) services (“Service”) provided by Appfinity Store (“we”, “us”, or “our”). By registering an account or using our Services in any form, you (“User” or “You”) agree to be legally bound by this Agreement, which constitutes a binding and enforceable promise to pay under applicable contract law and, where applicable, under the law governing promissory notes or trade receivables.
1.1 "GNPL Transaction":
A deferred payment transaction initiated by the User via our platform to purchase goods or services from a Merchant.
1.2 "Merchant":
A third-party seller or service provider offering goods or services for which GNPL may be used.
1.3 "Due Date":
The date 30 calendar days from the date of the GNPL Transaction, unless otherwise agreed in writing.
1.4 "Receivable":
The legally enforceable right to receive payment from the User for any GNPL Transaction, including principal and any applicable fees.
1.5 "Administration Fee":
An additional cost applied in the event of late payment or breach, as defined in Section 7.
1.6 "Promissory Note":
A legally binding promise by the User to pay the outstanding amount to Appfinity Store.
1.7 “Maker”
means the party executing this Note who promises to pay the amount owed hereunder.
1.8 "Holder"
means the party entitled to receive payment under this Note.
2.1
The GNPL platform does not issue credit or handle payments on behalf of third parties. The User's acceptance of a GNPL offer constitutes an irrevocable and unconditional promise to pay a trade receivable, enforceable under civil law.
2.2
This Agreement falls under the domain of receivables, factoring, and promissory obligations, and does not constitute regulated financial services.
2.3
The User hereby acknowledges that each GNPL Transaction results in a direct and binding obligation to pay Appfinity Store, not the Merchant.
3.1 Click-to-Commit Clause:
By clicking "Confirm Purchase", "Get Now – Pay Later" or "Activate", or any similar action button, the User enters into a binding contract with Appfinity Store to pay the total amount due under the terms specified.
3.2
Each such confirmation shall be deemed a digitally executed promissory note or debt obligation, enforceable in the jurisdiction of the User or Appfinity Store, whichever provides the most favorable enforcement mechanism.
3.3
The User acknowledges that no additional signature is required to enforce this obligation.
3.4
By activating a subscription via the "Get Now – Pay Later" option, the User authorizes a recurring monthly purchase to be initiated every 30 days as a new and separate legally binding transaction under the same deferred payment terms. This recurring purchase will continue perpetually and be considered a new contract each month, automatically renewed based on the original one-time consent, unless and until the User cancels by sending a cancellation request to cancel@appfinity.com before the start of the next 30-day billing period.
3.5 IMPORTANT NOTICE:
If you did not authorize a "Get Now – Pay Later" transaction, you must notify us within 24 hours of receiving this notice—whether you are viewing it on our website or received it by email.
To report an unauthorized or fraudulent attempt, you must send an email to stop@appfinity.com from the same email address where you received the Terms and Conditions confirmation. This is the only valid method for reporting such activity.
Failure to notify us within 24 hours will result in the transaction being processed and charges being applied. Prompt action is essential to help prevent unauthorized charges.
By using our services, you acknowledge and agree to these Terms.
4.1
The Service may be used on partner Merchant websites, embedded as a GNPL checkout option.
4.2
These Terms automatically apply to any and all GNPL purchases made via any integration, plug-in, or interface on third-party websites.
5.1
These Terms apply to all current and future GNPL Transactions, without need for repeated consent.
5.2
The User authorizes Appfinity Store to store purchase history and bind future GNPL Transactions under the same framework unless the Agreement is terminated in writing.
6.1
All amounts owed must be paid in full no later than 30 days from the date of transaction, unless otherwise specified.
6.2
Payments shall be made to the account details provided by Appfinity Store.
6.3
The User waives any right of set-off or withholding unless required by law.
7.1 In the event of non-payment on or before the Due Date, the following fees and consequences shall apply:
• An Administration Fee of 10 USD will be added.
• Additional reminder and recovery fees may apply.
• The User may be reported to credit bureaus or collection agencies.
• Late payment may result in termination of Service access.
7.2 All fees are recoverable as part of the Receivable and shall be treated as part of the User's contractual obligation.
7.3 We reserve the right to limit the total GNPL exposure per user.
8.1
Appfinity Store reserves the right to assign, transfer, or sell any receivable arising from GNPL Transactions to third parties, including but not limited to collection agencies, factoring companies, or other financial institutions.
8.2
The User's obligations remain unchanged regardless of any such assignment, and payment must be made to the assignee upon notification.
9.1
This Agreement may be terminated by either party with 30 days written notice, but all outstanding obligations remain enforceable.
9.2
Termination does not affect any accrued rights or obligations under existing GNPL Transactions.
This Promissory Note shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflicts of law principles.
In the event of any dispute, controversy, or claim arising out of or relating to this Note, or the breach, termination, or validity thereof, the following shall apply:
The Holder may initiate proceedings in the Small Claims Court of the City of New York (or any other competent small claims court within the State of New York). The Maker hereby irrevocably consents to the jurisdiction and venue of such courts, waives any objection thereto, and agrees to the enforcement of any judgment obtained therein. The Maker further waives any right to a jury trial to the extent permitted by law.
The dispute shall be resolved by final and binding arbitration administered by JAMS in accordance with its Comprehensive Arbitration Rules and Procedures. The arbitration shall be conducted before a single arbitrator appointed by JAMS who has at least ten (10) years of experience in commercial contract and financial disputes. The arbitration shall take place in New York, New York, and shall be conducted in English.
Judgment on the arbitration award may be entered in any court of competent jurisdiction. The parties waive any right to appeal or challenge the arbitration award, except as permitted under applicable law. The prevailing party in any arbitration shall be entitled to recover reasonable attorneys' fees, arbitration costs, expert fees, and other related expenses from the non-prevailing party.
Nothing in this clause or in this Note shall be construed to constitute a regulated loan, extension of credit, or consumer financial service. This Note represents a private repayment obligation between the parties, agreed at arm's length.
Notwithstanding the foregoing, the Holder may seek interim or provisional relief, including injunctive relief or asset restraint, from any court of competent jurisdiction without waiving the right to arbitrate or litigate the underlying dispute.
If this Note constitutes a commercial transaction, the Maker hereby consents to the entry of confession of judgment as set forth elsewhere in this Note
To secure repayment of the obligation under this Note, the Maker hereby irrevocably authorizes any attorney to appear in any court of competent jurisdiction in the State of New York and confess judgment without process in favor of the Holder for the unpaid principal amount of this Note, together with all costs, fees, and reasonable attorneys' fees incurred.
This confession of judgment is made freely, voluntarily, and knowingly for the express purpose of allowing immediate judgment without trial in the event of default. The Maker acknowledges that this provision has been read and understood, and has had the opportunity to consult legal counsel.
The User confirms:
12.1 Entire Agreement:
This Agreement constitutes the entire agreement between the parties and supersedes all prior agreements related to the subject matter.
12.2 Severability:
If any clause is found unenforceable, the rest of the Agreement remains in effect.
12.3 Waiver:
Failure to enforce any clause does not constitute a waiver.
represented by:
CCP International Limited
Suite 4, Level 6 Victoria House 29-31 High Street, St.Peter Port GY1 2JX, Guernsey
contact@appfinitystore.com
By using the GNPL Service, you agree that any use of “Get Now – Pay Later” options constitutes a binding, enforceable promise to pay within 30 days. Failure to pay may result in additional fees, legal recovery, and assignment to third parties. This is not a loan or a credit product, but a binding payment obligation under receivables law.
By clicking the “Activate Now” button, you are electronically signing and agreeing to the Terms and Conditions, just as you would with a physical signature. This action serves as a firm and irrevocable confirmation of your acceptance of a legally binding agreement. By proceeding, you acknowledge that you fully understand and consent to these terms.