Last updated: January 29, 2026
1. Acceptance of Terms
By creating an account or using PTW Pay ("the Service"), you agree to be bound by these Terms of Service.
2. Description of Service
PTW Pay is a QR code-based payment platform for events. The Service enables:
- Buyers to load event wallets and pay vendors by scanning QR codes
- Vendors to receive payments from buyers at events
- Event Organizers to create and manage events, approve vendors, and credit buyer wallets
3. Account Registration
- You must be at least 18 years old to use the Service.
- You must provide accurate and complete registration information.
- You are responsible for maintaining the security of your account credentials.
- One person may not maintain multiple accounts.
4. Payments and Transactions
4.1 Event Wallets
Funds loaded into event wallets are available only for payments within that specific event.
4.2 Transaction Finality
All payments made via QR code scanning are final at the time of processing.
4.3 Refund Policy
- Refund requests for event wallet top-ups must be directed to the event organizer.
- Refund requests for vendor payments must be resolved directly between the buyer and the vendor.
- PTW Pay does not process refunds on behalf of vendors or organizers.
5. User Obligations
You agree not to:
- Use the Service for any unlawful purpose
- Attempt to gain unauthorized access to other accounts or systems
- Interfere with or disrupt the Service
- Use the Service for money laundering or other financial crimes
6. Vendor and Organizer Responsibilities
6.1 Vendors
- Vendors are responsible for the goods and services they provide to buyers.
- Vendors must comply with all applicable laws and regulations.
6.2 Event Organizers
- Organizers are responsible for managing their events.
- Organizers must handle unused event wallet balances in accordance with applicable consumer protection laws.
7. Account Suspension and Termination
- We may suspend or terminate your account if you violate these Terms.
- You may delete your account at any time through the app or web dashboard.
8. Limitation of Liability
- PTW Pay is provided "as is" without warranties of any kind.
- We are not liable for disputes between buyers and vendors.
- We are not liable for event cancellations or organizer actions.
9. Governing Law
These Terms are governed by the laws of the Federal Republic of Germany.
10. Contact
PTW Pay
Email: legal@ptwpay.com