Terms & Conditions

Workpay is a Stripe-powered project payment productivity platform for service businesses, vendors, freelancers, agencies, consultants, and project-based businesses. Workpay helps vendors and customers manage:

• Project creation
• Payment links
• Milestones
• Customer approvals
• Project tracking
• Payment status visibility
• Dispute documentation
• Vendor and customer workflow
• Payout workflow for approved milestones

Workpay is not a bank, wallet, payment gateway, licensed financial institution, or licensed escrow provider. Payments are processed by third-party payment infrastructure providers. Workpay provides the software layer for project payment management, milestone tracking, approvals, and trust workflow.

For the purpose of these Terms:

• “Workpay,” “we,” “us,” or “our” means Furroo FZE LLC and the Workpay platform.
• “Platform” means the Workpay website, app, dashboard, payment workflow tools, project tools, milestone tools, and related services.
• “User” means any person or business using Workpay.
• “Vendor” means a business, freelancer, agency, consultant, service provider, or seller using Workpay to create projects, send payment links, manage milestones, and receive payments.
• “Customer” means a person or business receiving a Workpay project/payment link, making payments, reviewing milestones, approving work, or raising issues.
• “Project” means any service job, order, agreement, task, or work arrangement created through Workpay.
• “Milestone” means a project stage, deliverable, payment stage, or approval checkpoint created by the Vendor.
• “Approved Milestone” means a milestone that has been marked as approved, completed, eligible for release, or otherwise accepted according to the project workflow.
• “Payment Link” means a payment page or link generated through Workpay for a project or milestone.
• “Payout” means the movement of eligible funds to a Vendor through the supported payment infrastructure.
• “Dispute” means any issue, disagreement, complaint, refund request, chargeback, or conflict between a Vendor and Customer.
• “Third-Party Payment Provider” means any external payment infrastructure provider used to process payments, transfers, payouts, refunds, or chargebacks.

By using Workpay, you confirm that:

• You have read and understood these Terms.
• You agree to be bound by these Terms.
• You are legally capable of entering into agreements.
• If you use Workpay on behalf of a business, you have authority to bind that business.
• All information you provide is true, complete, and accurate.

If you do not agree to these Terms, you must stop using Workpay immediately.

To use certain Workpay features, you may need to create an account. You agree to:

• Provide accurate account information.
• Keep your login details secure.
• Not share your account with unauthorized persons.
• Notify Workpay if you suspect unauthorized access.
• Keep your contact, business, and payment details updated.

You are responsible for all activity under your account. Workpay may suspend, restrict, or terminate accounts if we suspect fraud, misuse, false information, unlawful activity, security risk, payment risk, chargeback abuse, prohibited activity, or breach of these Terms.

Vendors using Workpay agree to:

• Provide accurate business and contact information.
• Create clear and honest project descriptions.
• Define project scope, pricing, deliverables, timelines, and milestones accurately.
• Deliver services according to the agreed project terms.
• Communicate professionally with Customers.
• Avoid misleading, deceptive, or unfair practices.
• Respond to Customer issues in a reasonable time.
• Provide proof of work where required.
• Comply with all applicable laws, regulations, tax obligations, business licensing requirements, and industry rules.
• Not use Workpay for prohibited, illegal, fraudulent, or high-risk activities.

Vendors are solely responsible for the quality, delivery, performance, legality, and outcome of the services they provide. Workpay does not guarantee that a Customer will approve work, release payment, avoid disputes, or refrain from initiating chargebacks.

Customers using Workpay agree to:

• Review project details before making payment.
• Understand the project scope, timeline, amount, and milestone structure.
• Provide accurate contact and payment information.
• Raise issues clearly and honestly.
• Approve milestones in good faith when work has been completed as agreed.
• Not misuse disputes, refunds, or chargebacks.
• Not make false claims against Vendors.
• Not use Workpay for unlawful, fraudulent, or abusive purposes.

Customers are responsible for reviewing all project details before paying. Workpay does not guarantee Vendor performance, project quality, delivery timing, or final satisfaction.

Vendors may create projects and milestones through Workpay. Customers should review all project details before making payment, including:

• Project scope
• Deliverables
• Timeline
• Milestones
• Payment amount
• Approval requirements
• Refund or cancellation terms
• Vendor details

Milestones may show different statuses, including but not limited to:

• Pending
• Paid
• In progress
• Submitted
• Approved
• Released
• Under review
• Disputed
• Cancelled
• Refunded

Milestone approval may trigger the payout workflow where eligible. Workpay provides workflow tools only. Workpay does not guarantee project completion, project quality, Customer approval, Vendor performance, dispute outcome, payment release, or payout timing.

Payments made through Workpay are processed by third-party payment infrastructure providers. Workpay does not directly process card payments, does not store full card details, and does not operate as a payment gateway, bank, wallet, or licensed escrow provider.

Payment acceptance, processing, transfer, refund, chargeback, and payout timelines may depend on:

• Third-party payment provider rules
• Bank processing times
• Card network rules
• Compliance checks
• Account verification
• Risk reviews
• Fraud checks
• Technical issues
• Applicable laws and regulations

Payment status displayed on Workpay is provided for workflow visibility and may depend on data received from payment infrastructure providers.

Workpay is designed to support daily payout processing for eligible approved milestones. Once a milestone is approved and eligible for payout, payout movement may be processed on a daily basis, subject to:

• Payment provider processing timelines
• Account verification
• Vendor account status
• Compliance checks
• Risk review
• Fraud monitoring
• Chargebacks
• Disputes
• Refund requests
• Bank processing timelines
• Technical issues
• Applicable laws and regulations

Daily payout processing does not mean instant settlement. Actual receipt of funds may vary depending on banks, payment providers, compliance checks, and other external factors.

Workpay may delay, pause, reverse, or restrict payout workflow if there is suspected fraud, dispute, chargeback risk, prohibited activity, compliance concern, legal requirement, or breach of these Terms.

Workpay may charge platform fees, workflow fees, service fees, payment-related fees, or other applicable charges.

Current launch pricing: 2.6% + AED 1 — for selected UAE Vendors during early access launch. This pricing is promotional and may change after public launch.

Additional charges may apply for:

• International cards
• Refunds
• Chargebacks
• Currency conversion
• Failed payments
• Payment provider fees
• Bank fees
• Taxes or VAT, where applicable
• Compliance or verification costs, where applicable

Fees may be deducted from payments, payouts, or charged separately. Unless clearly stated otherwise, fees may not be refundable.

Refunds may be requested or processed depending on:

• Project terms
• Milestone status
• Vendor agreement
• Customer request
• Dispute outcome
• Payment provider rules
• Chargeback rules
• Applicable law
• Workpay platform rules

Refund timelines may depend on payment providers, banks, card networks, and compliance checks. Workpay may assist with refund workflow but does not guarantee refund approval, timing, or outcome.

Where fees have already been charged or third-party costs have been incurred, such fees may not always be refundable.

Workpay provides a dispute documentation workflow to help Vendors and Customers raise issues, share evidence, document project progress, and organize communication. Dispute evidence may include:

• Project details
• Milestone records
• Uploaded files
• Messages
• Proof of work
• Delivery confirmation
• Customer feedback
• Vendor responses
• Payment status
• Approval records

Workpay may review dispute information, but Workpay is not a court, arbitrator, mediator, or legal authority. Workpay does not guarantee any dispute outcome.

Workpay may rely on platform records, submitted evidence, milestone status, payment provider rules, chargeback rules, and applicable policies when reviewing disputes. Users remain responsible for resolving their commercial disagreements, unless otherwise required by law.

Customers may have chargeback rights through their bank, card issuer, or payment method provider. Chargebacks are handled according to payment provider, card network, bank, and applicable legal rules.

Vendors may be responsible for chargeback amounts, chargeback fees, penalties, losses, or related costs where applicable. Workpay may pause, hold, delay, reverse, or restrict payout workflow during chargeback review.

If a chargeback is initiated, Workpay may request evidence from the Vendor and may share relevant project, milestone, payment, and communication records with the payment provider. Workpay does not guarantee chargeback success or reversal.

You may not use Workpay for:

• Illegal goods or services
• Fraudulent transactions
• Fake projects
• Money laundering
• Terrorist financing
• Sanctions violations
• Misleading or deceptive activity
• Unauthorized financial services
• High-risk or restricted products
• Prohibited goods
• Weapons
• Drugs or controlled substances
• Gambling
• Adult illegal services
• Counterfeit goods
• Stolen goods
• Harassment, abuse, or harmful activity
• Any activity restricted by payment providers
• Any activity Workpay determines to be unsafe, unlawful, harmful, or unsuitable

Workpay may reject, suspend, or terminate access for prohibited activity.

Workpay may request verification information from Vendors, Customers, or business users. This may include:

• Full name
• Email address
• Phone number
• Business name
• Trade license
• Business registration documents
• Identity documents
• Address details
• Ownership details
• Tax or VAT details
• Bank or payout information
• Supporting documents

Failure to provide verification may result in limited access, paused payouts, restricted features, account suspension, or termination. Workpay may share necessary verification information with payment providers, compliance providers, legal advisers, regulators, or authorities where required.

Users are responsible for their own tax, VAT, accounting, invoicing, reporting, and compliance obligations. Workpay may issue fee invoices where applicable.

Workpay does not provide tax, accounting, or legal advice. Vendors are responsible for issuing invoices to Customers where required by law.

Workpay aims to provide reliable access to the platform, but we do not guarantee uninterrupted, error-free, or always-available service. Access may be affected by:

• Maintenance
• Updates
• Internet issues
• Third-party service outages
• Payment provider downtime
• Technical problems
• Security events
• Force majeure events
• Legal or regulatory requirements

Workpay is not liable for losses caused by platform unavailability, payment provider downtime, bank delays, or technical interruptions beyond our reasonable control.

Workpay may integrate with third-party services, including payment infrastructure, hosting, analytics, verification, communication, customer support, and security tools. Your use of third-party services may be subject to their own terms, policies, and privacy notices.

Workpay is not responsible for third-party service availability, decisions, delays, fees, restrictions, or errors.

All Workpay trademarks, logos, software, designs, website content, app interfaces, workflows, graphics, copy, icons, code, technology, and related intellectual property belong to Workpay or its licensors. You may not:

• Copy Workpay’s software or designs
• Reverse engineer the platform
• Reproduce Workpay branding without permission
• Resell Workpay services without written approval
• Misuse Workpay’s intellectual property
• Create confusingly similar products or branding

Users retain ownership of content they upload, but grant Workpay a limited right to use, process, display, store, and transmit such content as necessary to operate the platform.

Users are responsible for the content they submit to Workpay. This may include:

• Project descriptions
• Files
• Images
• Documents
• Messages
• Proof of work
• Dispute evidence
• Business profile details
• Customer information

Users must not upload content that is unlawful, harmful, misleading, abusive, confidential without authorization, infringing, defamatory, fraudulent, or otherwise inappropriate. Workpay may remove content that violates these Terms or creates legal, security, compliance, or operational risk.

By using Workpay, you agree that Workpay may contact you through:

• Email
• SMS
• WhatsApp
• Phone
• App notifications
• Dashboard messages
• Other reasonable communication channels

Communications may include account notices, project updates, payment status updates, verification requests, security alerts, support messages, legal updates, and marketing communications where permitted. You may opt out of marketing communications, but service-related messages may still be sent.

To the maximum extent permitted by applicable law, Workpay shall not be liable for:

• Indirect losses
• Loss of profit
• Loss of revenue
• Loss of business
• Loss of goodwill
• Loss of data
• Delayed payments
• Payment provider delays
• Bank delays
• Failed transactions
• Chargebacks
• Refund disputes
• Vendor non-performance
• Customer non-payment
• Customer dissatisfaction
• Project delays
• Project failure
• Dispute outcomes
• Third-party service failures
• Platform downtime

Workpay provides software tools for project payment workflow management. Workpay does not guarantee payment, project delivery, Customer approval, Vendor performance, payout timing, dispute outcome, or business success.

You agree to indemnify and hold harmless Workpay, Furroo FZE LLC, its owners, directors, employees, contractors, partners, and service providers from any claims, losses, damages, penalties, fees, chargebacks, disputes, legal costs, or liabilities arising from:

• Your use of Workpay
• Your breach of these Terms
• Your project or service delivery
• Your failure to pay or approve
• Your misuse of disputes or chargebacks
• Your illegal or prohibited activity
• Your tax or regulatory non-compliance
• Your uploaded content
• Your interaction with other users
• Your violation of third-party rights

Workpay may suspend, restrict, or terminate your access at any time if:

• You breach these Terms
• You provide false information
• You engage in fraud
• You misuse the platform
• You create fake projects
• You abuse disputes or chargebacks
• You violate payment provider rules
• You fail verification
• You engage in prohibited activities
• You create legal, compliance, payment, fraud, or security risk
• We are required to do so by law, regulators, banks, payment providers, or authorities

Users may stop using Workpay at any time. Termination does not remove obligations related to fees, refunds, chargebacks, taxes, disputes, indemnity, legal compliance, or records that must be retained.

Users may request account deletion through the Workpay platform or by contacting support. Some information may be retained where required for:

• Legal compliance
• Payment records
• Refunds
• Chargebacks
• Disputes
• Fraud prevention
• Security
• Tax and accounting
• Regulatory obligations
• Enforcement of these Terms

Account deletion may not remove all historical records where retention is required or legally permitted.

Your use of Workpay is also governed by our Privacy Policy. Please read our Privacy Policy to understand how we collect, use, store, process, and protect personal data.

Workpay may update these Terms from time to time. If we make changes, we may notify users through the website, app, email, dashboard, or other reasonable means.

The updated Terms will apply from the date they are posted or otherwise communicated. Continued use of Workpay after changes means you accept the updated Terms.

These Terms are governed by the laws of the United Arab Emirates, subject to applicable free zone regulations where relevant.

Any disputes shall be subject to the jurisdiction of the competent courts or authorities in the United Arab Emirates, unless otherwise required by applicable law.

Workpay does not provide legal, financial, tax, accounting, investment, or regulatory advice. Any information provided by Workpay is for general platform operation and user guidance only.

Users should seek independent professional advice where required.

For questions about these Terms, please contact Workpay / Furroo FZE LLC at support@workpay-app.com.