Terms of use
Effective date: June 30, 2025
These Terms of Use govern the relationship between Whitelark LTD (“Whitelark”, “we”, “us” or “our”) and you (the “Client”, “Customer”, and/or “User”) regarding access to and use of whitelark.io (the “Website”) and any related payment gateway platform, dashboards, hosted pages, APIs, plugins, documentation, and other services made available by Whitelark from time to time (the “Platform” or “Services”).
The Platform is intended for business use only. Access to transaction-processing functionality generally requires prior set-up, onboarding and activation by Whitelark and may also require approval by relevant third parties involved in payment processing.
By accessing, browsing and/or using the Website or Platform, you confirm that you have read, understood and agree to be bound by these Terms of Use and to comply with all applicable laws and regulations. If you do not agree, you must not use the Website or Platform.
We may amend these Terms of Use from time to time by posting an updated version on the Website. Continued use of the Website or Platform after changes are posted constitutes acceptance of the updated Terms of Use. Information on the Website may contain technical inaccuracies or typographical errors, and we may update content at any time.
Definitions
Unless the context otherwise requires:
“Account” means a Client’s Platform account and any associated credentials, keys, tokens, or identifiers.
“Card” / “Bank Card” means a payment card, device, virtual card, token or account capable of initiating or completing a payment transaction and issued by a third party.
“Client” / “Customer” means a legal entity or professional user granted access to the Platform (including through onboarding by Whitelark) for business purposes.
“End Customer” means a Client’s customer or payer who initiates a payment to the Client or a merchant using a payment method.
“Linked Sites” means any third-party websites linked to or from the Website.
“Merchant” means a business that sells goods/services and uses the Platform (directly or indirectly) to accept payments.
“Personal Data” means information relating to an identified or identifiable natural person, as defined under applicable data protection law (including the GDPR).
“Transaction” means a payment, authorisation, capture, refund, reversal, chargeback event, or other payment-related instruction or event processed through the Platform.
“User” means any individual who accesses the Website or Platform, including authorised employees, contractors or agents of a Client.
References to persons include legal entities (unless the context otherwise requires). References to the singular include the plural and vice versa.
Access, onboarding, and use of the Platform
Business use and authority
You confirm you are using the Platform solely for business purposes and that you have authority to bind the business you represent (where applicable).
Set-up and activation
Platform access and the ability to process Transactions may require:
completion of Whitelark’s onboarding and set-up procedures;
completion of required compliance and security checks; and/or
configuration steps and approvals by third parties (such as banks, acquirers, or payment method providers).
Whitelark may decline, suspend, or revoke activation where required by law, policy, security considerations, or third-party requirements.
Your responsibility for equipment and security
You must provide and maintain, at your own expense, the equipment, software, and connectivity required to access the Platform and ensure it satisfies reasonable technical and security requirements.
You are responsible for safeguarding Account credentials (including usernames, passwords, API keys, and access tokens) and for preventing unauthorised access. Whitelark is not responsible for unauthorised access resulting from your failure to keep credentials secure.
Processing and execution of Transactions
Whitelark’s role
The Platform facilitates the submission, transmission, and processing of Transaction instructions. Unless expressly agreed otherwise in a separate written agreement, Whitelark is not the seller or supplier of the goods or services sold by any Merchant and does not control or assume responsibility for those goods or services.
Authorisation and processing
Where Transactions are initiated through the Platform, you authorise Whitelark to process Transaction instructions and to transmit Transaction data as necessary to execute the Transaction, including to relevant third parties involved in payment processing.
It is our intention that Transaction instructions received through the Platform be processed as quickly as practicable, to the extent possible.
Network issues and availability
Whitelark bears no responsibility for failures or delays caused by telecommunications networks, third-party service providers, or other factors outside our reasonable control that negatively impact the proper and timely execution of Transaction instructions. Where a User cannot access the Platform due to such failures or force majeure events, alternative methods or channels may need to be used.
Compliance, security checks, and refusal/suspension
Whitelark may, at any time and at its discretion, delay, suspend, terminate, or refuse access to the Platform and/or the execution of any Transaction pending completion of checks or where required to address:
regulatory compliance requirements;
anti-money laundering/counter-terrorist financing controls;
sanctions and financial crime screening;
suspected fraud, misuse, or security threats; or
applicable laws or requests from competent authorities.
Whitelark may be unable to provide notice where doing so is prohibited by law or contrary to objectively justified security reasons.
To the extent permitted by law, Whitelark will not be liable for loss suffered as a result of a delay, suspension, termination, or refusal carried out for compliance or security reasons.
Accuracy of information
Whitelark will not be liable for inaccurate, incomplete, or insufficient information provided by you or your Users through the Platform in relation to the execution of any Transaction or use of the Platform, and will not be liable for losses arising from such information.
Platform changes
Whitelark may extend, limit, modify, suspend, or discontinue parts of the Platform or Website, including the hours and days on which the Platform can be used, for operational, security, compliance, or business reasons.
Dashboards and consolidated transaction visibility
If the Platform provides dashboards, reporting, or consolidated views, you acknowledge and agree that Transactions initiated or carried out using payment methods associated with a Client’s Account and processed via authorised channels may be visible through the Platform in a consolidated format (which may include date, time, amount, and merchant/payer information). You are responsible for preventing unauthorised access to such information by protecting your Account credentials.
Disclaimers
Goods and services purchased from a Merchant using payment methods processed via the Platform are provided by the Merchant (not Whitelark), unless the Merchant states otherwise. Whitelark disclaims liability for the quality, availability, quantity, delivery, performance, or legality of any Merchant’s goods or services, and you agree that disputes regarding such goods/services should be addressed directly with the relevant Merchant.
Any logos, trademarks, descriptions, and other identifying materials of a Merchant displayed through or in connection with the Platform are the Merchant’s responsibility. Whitelark disclaims responsibility for the accuracy or lawfulness of such materials.
Intellectual property
All content on the Website and Platform (including software, text, graphics, and branding) is owned by or licensed to Whitelark unless stated otherwise. Copying, downloading, republishing, distributing, or reproducing such content is prohibited without Whitelark’s prior written consent, except where permitted by applicable law.
Personal Data
Whitelark is committed to protecting Personal Data and will process Personal Data in accordance with applicable data protection laws, including the GDPR, as amended from time to time. Whitelark will not disclose Personal Data unless required by law, with consent, or where necessary to provide the Platform (including disclosures to payment processing partners and service providers, subject to appropriate safeguards).
Where you provide explicit consent (where required), Personal Data may be shared with Merchants solely for purposes such as facilitating payment-related notifications (for example, notifications regarding payments due). Where applicable, you may revoke consent at any time.
We maintain physical, electronic, and procedural safeguards designed to protect Personal Data. Where sensitive data (such as card details) is transmitted, it may be protected through encryption such as TLS/SSL.
It is the User’s responsibility to ensure that contact information associated with the Platform is accurate and up to date. These Terms should be read alongside our Privacy Notice available on the Website.
Links to third-party sites
The Website may contain links to Linked Sites. Linked Sites are not under Whitelark’s control and Whitelark is not responsible for their content, availability, or practices. Links are provided for convenience only and do not imply endorsement.
Force majeure
Whitelark will not be responsible for any delay or failure to perform obligations under these Terms where caused by circumstances beyond our reasonable control, including natural disasters, war or terrorist acts, industrial disputes, outages of communications or settlement infrastructure, power outages, or changes in laws and regulations. If force majeure occurs, Whitelark will take reasonably necessary measures to limit adverse consequences where practicable.
Limitation of liability
Information on the Website is believed to be reliable when posted, but Whitelark cannot guarantee it will be accurate, complete, or current at all times. To the maximum extent permitted by law, Whitelark will not be liable to any party for any direct, indirect, special, or consequential damage arising from reliance on information on the Website and/or use of the Website, Platform, or Linked Sites, including loss of profits, business interruption, or loss of data.
Nothing in these Terms limits or excludes liability to the extent such limitation or exclusion is not permitted under applicable law.
Variation, breach, and termination
Whitelark may supplement and/or vary these Terms to reflect market conditions, good practices, changes in Services, policy, system capabilities, or applicable law. Updated Terms will be posted on the Website, and continued use constitutes acceptance.
If you breach these Terms, Whitelark may take necessary action to protect its rights and may terminate or suspend access to the Website and/or Platform (or any part thereof) at any time, without notice where permitted by law.
Governing law and jurisdiction
These Terms and the use of the Website and Platform are governed by and construed in accordance with the laws of the Republic of Cyprus and are subject to the jurisdiction of the Cyprus courts. Without prejudice to the foregoing, Whitelark reserves the right to bring proceedings in any other competent jurisdiction where permitted.
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Legal name: Whitelark LTD
Cyprus registration number: ΗΕ 478736
Registered address: 6 Agia Zoni Street, 3027, Limassol, Cyprus
Contact email: support@whitelark.io