Terms & Conditions

These Terms & Conditions (the "Terms") are an agreement between you and Palert ("Palert", "we", "us", "our") governing your use of the Palert website, dashboard and app (together, the "Service").

By creating an account or using the Service, you confirm that you have read and agree to these Terms and to our Privacy Policy. If you use the Service on behalf of a business, you confirm you have authority to bind that business, and "you" means both you and that business. If you do not agree, do not use the Service.

By using the Service you also agree that we collect, keep and use the transaction data processed through the Service, along with any other data we reasonably need to run the Service effectively, as described in our Privacy Policy.

Palert gives you instant alerts on your Palert dashboard for incoming transfers to your connected Bank of Maldives (BML) account, so you and your staff can see verified payments in real time.

• Palert is an independent software service. We are not a bank, a payment processor or a money transfer service.
• We are not affiliated with, endorsed by, or acting on behalf of Bank of Maldives. "BML" and "Bank of Maldives" are used only to describe compatibility.
• Palert never holds, receives or moves your money. Payments from your customers go directly to your own bank account, exactly as they did before.
• An alert in Palert reflects payment information originating from your bank. It is a fast, reliable signal, but it is not a bank statement and not a legal record of settled funds.

You must be at least 18 years old and able to enter a binding contract to create an account. The Service currently supports BML personal and sole proprietor accounts; you must only connect accounts you own or are authorised to manage.

We never ask for, collect or store your bank login credentials. The Service does not need them and cannot use them; the only account details we hold are the account number and name you give us for alerts. You are responsible for keeping your Palert login confidential and for everything that happens under your account. Tell us promptly if you believe your account has been accessed without permission. Information you give us, including your business name and bank account details for alerts, must be accurate and kept up to date.

The Service depends on a device that you provide and control, set up as described in the setup guide in your dashboard. For alerts to work you must complete the setup and keep that device powered on, connected to the internet, and running as instructed.

If the device is off, offline or otherwise not running as set up, Palert cannot generate alerts for that period. Alerts resume when the device is back online, but payments made during such a period may not be recoverable as alerts.

Owners can create logins for staff members. Staff accounts can view payment alerts but cannot manage billing or business settings. You are responsible for the people you give access to, for obtaining their agreement to be added, and for removing their access when they leave your business. Anything done through a staff login you created is treated as authorised by you.

Palert is built to be fast and accurate, and alerts are derived from information originating from your bank rather than anything a customer shows you. Even so, technology has limits, and you accept that:

• Delivery of the underlying payment information depends on your bank, your device, your network and other systems outside our control.
• Alerts may occasionally be delayed, duplicated or missed, and the Service may occasionally be unavailable.
• An alert does not guarantee that a transfer cannot later be reversed, disputed or flagged by your bank.
• For large or unusual transactions, you should verify the payment independently in your own banking channels before releasing goods of significant value.

You remain responsible for your own business decisions. Palert provides information to support those decisions; it does not make them for you.

The Service is provided on a paid monthly subscription per business. Prices are shown in Maldivian Rufiyaa (MVR) on our website and in your dashboard. There is no setup fee and no fixed-term contract.

• You pay by bank transfer to the account shown in your dashboard, and upload the transfer slip so we can verify it. Your subscription period starts or extends once the payment is verified.
• Each business has its own subscription, billed separately.
• Referral discounts apply as described at the time you sign up through a partner link.
• If your subscription lapses, alerts and dashboard access may be paused until payment is made. Your data is not deleted merely because a payment is late.
• We may change our prices at any time. The current price is always shown on our website and in your dashboard, and it is your responsibility to check it. New prices apply from your next billing period.

Fraudulent payment slips, including edited or reused slips, are a material breach of these Terms and grounds for immediate termination.

You can stop your subscription at any time: simply do not renew. The Service stays active until the end of the period you have paid for and then ends. We do not charge cancellation fees.

Because subscription periods are prepaid and short, payments already made are generally non-refundable, except where the Service materially failed to work for a sustained period through our fault, or where a refund is required by law. If you believe you are owed a refund, contact us and we will review it in good faith.

You agree not to:

• Use the Service for any unlawful purpose, including money laundering or processing the proceeds of crime.
• Connect bank accounts you are not authorised to access or manage.
• Attempt to probe, disrupt, overload or gain unauthorised access to the Service or other customers' data.
• Reverse engineer, copy, resell or offer the Service to third parties as your own, except with our written permission.
• Use the Service to harass, defraud or mislead anyone, including presenting Palert alerts as bank documents.

We may suspend or terminate accounts that breach this section.

The Service, including its software, design, name and logo, belongs to Palert and its licensors. We grant you a limited, non-exclusive, non-transferable licence to use the Service for your business while you have an active account. Your data remains yours; you grant us only the rights needed to operate the Service as described in our Privacy Policy.

The Service works alongside products we do not control, including your bank's apps and systems, your devices, and Telegram if you use Telegram features. Those products are governed by their own terms, and we are not responsible for their availability, changes or behaviour. If your bank changes its systems, we will do our best to adapt the Service, but we cannot guarantee uninterrupted compatibility.

We work to keep Palert available at all times, but the Service is provided "as is" and "as available". We may update, improve or change features, and we may suspend the Service temporarily for maintenance or security. If we ever decide to discontinue the Service entirely, we will give you reasonable notice and a refund of any unused prepaid period.

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including fitness for a particular purpose and non-infringement. We do not warrant that the Service will be uninterrupted, error-free or that every payment will generate an alert. Nothing in these Terms excludes liability that cannot be excluded by law.

To the fullest extent permitted by law:

• We are not liable for indirect or consequential losses, including lost profits, lost sales, lost data or reputational harm.
• We are not liable for losses caused by missed, delayed or duplicated alerts, by your device or network being offline, by your bank's systems, or by decisions you made in reliance on an alert without independent verification.
• Our total aggregate liability for all claims arising out of or relating to the Service is limited to the subscription fees you paid to us in the three months before the event giving rise to the claim.

You accept that the pricing of the Service reflects this allocation of risk, and that we could not offer the Service at this price without it.

You agree to indemnify Palert against claims, losses and reasonable costs arising from your breach of these Terms, your unlawful use of the Service, or disputes between you and your customers or staff.

We may suspend or terminate your access if you materially breach these Terms, fail to pay, submit fraudulent payment evidence, or use the Service in a way that creates risk for us or for others. Where practical we will warn you and give you a chance to fix the problem first. You may stop using the Service at any time. Sections of these Terms that by their nature should survive termination, including payment obligations, disclaimers, limitation of liability and indemnity, survive it.

We may revise these Terms at any time, without prior notice. It is your responsibility to review these Terms regularly to stay informed of any changes. Continued use of the Service after a change takes effect means you accept the revised Terms. If you do not accept them, stop using the Service.

These Terms and the Privacy Policy are the entire agreement between you and Palert about the Service. If any part of these Terms is found unenforceable, the rest remains in effect. Our not enforcing a right is not a waiver of it. You may not transfer this agreement without our consent; we may transfer it as part of a sale or reorganisation of our business, and this agreement will bind the new operator.