PayShield is a financial analytics and risk intelligence platform that provides:

• Invoice analytics and trend detection
• Cashflow insights and forecasting
• Risk and anomaly detection
• Predictive financial intelligence

PayShield integrates with third party platforms such as Xero only with explicit user authorization.

To use PayShield, you must:

• Be legally authorized to access the financial data you connect.
• Provide accurate account information.
• Use the Service in compliance with applicable laws.

Users agree to:

• Maintain the security of their accounts and credentials.
• Use PayShield only for lawful purposes.
• Not misuse, reverse engineer, attempt unauthorized access, or disrupt the Service.
• Disconnect integrations if authorization regarding the underlying data is withdrawn.

• Data is accessed only with explicit user consent.
• Invoice data is used solely for analytics, predictions, and insights.
• PayShield does not sell or exploit user data.
• All data practices are governed by the Privacy Policy found on this page.

PayShield relies on third party services and APIs (e.g., Xero). We are not responsible for:

• Third party outages.
• API changes made by providers.
• Platform limitations beyond our control.

PayShield provides analytical insights only. Nothing on the platform constitutes financial, accounting, legal, or tax advice. Users remain fully responsible for their business decisions.

All PayShield software, branding, systems, and content are the exclusive property of PayShield. Users are granted a limited, non-exclusive, revocable license to use the Service.

To the maximum extent permitted by law:

• PayShield is not liable for indirect or consequential losses.
• We are not responsible for decisions made based on insights provided by the platform.

PayShield may suspend or terminate access if:

• These Terms are violated.
• Illegal or abusive activity is detected.
• Required by law or regulation.

Users may terminate their use at any time by disconnecting integrations.

These Terms are governed by the laws of the United Kingdom.

This Privacy Policy applies to PayShield web application services, integrations with third party platforms, and all users who authorize PayShield to access financial or invoice data.

PayShield only accesses data after explicit authorization by the user. The data includes:

• Invoice metadata (invoice number, date, totals, currency).
• Payment status (paid, unpaid, overdue).
• Customer identifiers associated with invoices (excluding unnecessary personal data).

Data is used solely for:

We strictly adhere to the following principles:

• Data is accessed only for authorized features.
• Data is processed only for analytics and prediction.
• Data is not sold, rented, or shared with third parties for marketing or commercial resale.
• Data is not used for advertising or profiling.

PayShield does not sell or trade user data. Data may only be shared:

• When legally required by UK law or regulatory authorities.
• To comply with lawful court orders.
• To protect PayShield against fraud, abuse, or security threats.

We implement industry standard security measures, including:

• Encrypted data transmission.
• Secure access controls.
• Restricted internal access on a need to know basis.
• Regular security monitoring and updates.

In accordance with UK GDPR, users have the right to:

• Request access to their data.
• Request correction of inaccurate data.
• Request deletion of their data (“Right to be Forgotten”).
• Withdraw consent at any time.
• Restrict or object to data processing.

Users may revoke PayShield’s access at any time by disconnecting PayShield from Xero (or other platforms) or contacting us directly. Upon withdrawal, data access stops immediately, and stored data is deleted unless legal retention is required.

We offer a no questions asked refund within 14 days of purchase.

• You are eligible for a full refund if you contact Paddle within 14 days of the original transaction date.
• This applies regardless of usage, activation, or access to the service.
• Refunds will be issued to the original payment method.

After the 14 day refund period has expired, payments become non refundable except where required by applicable consumer protection law or where the service was not delivered.

PayShield subscriptions automatically renew until cancelled.

• You may cancel at any time.
• Cancellation prevents future billing.
• Charges already processed are refundable only within the 14 day refund window.

If you were charged incorrectly or multiple times, you are eligible for a refund regardless of the 14 day period.

If a payment was made without your authorization, please contact Paddle immediately. Verified fraudulent transactions will be refunded.

Before initiating a chargeback, please contact Paddle support so the issue can be resolved quickly. Most issues can be handled faster through direct refund processing.

All refund requests must be submitted to Paddle Buyer Support. Please include:

• Purchase email address
• Receipt or Order number
• Reason for refund (optional)

Refunds are processed by Paddle to the original payment method.