User Agreement

Last Updated: November 1, 2025

Section 1: Introduction
This User Agreement (this “Agreement”) is a legal agreement between you (“User,” “Account User,” “Purchaser,” “you” or “your”) and Lira Technologies, Inc. (“Lira”) (“Lira,” “we,” “our” or “us”), a New York Corporation whose main headquarters is located at 26 Kuchler Dr., Lagrangeville, NY 12540.  This Agreement governs your use of our websites, software, payment processing platform, and related services (collectively, the “Platform”). By accessing or using the Platform, you agree to the terms of this User Agreement and to the Lira Technologies, Inc. Terms of Service (“Terms of Service”), which are incorporated herein by reference and available at https://app.lirainc.com/terms-of-service

 If you do not agree, you must not access or use the Platform.

Section 2: Definitions
Capitalized terms used but not defined in this User Agreement have the meanings set forth in the Terms of Service.

Section 3: Scope and Applicability
This User Agreement applies to all users of the Platform, including the following categories:

1. Account Users: Individuals or entities who create, register, or maintain a Lira Account to process payments, manage client transactions, or otherwise use the Platform’s professional services.
2. Purchasers: Individuals or entities who make payments to Account Users through the Platform using credit, debit, or ACH transactions.
3. General Users: Visitors or other users who access or interact with Lira’s public websites or materials without creating an account or initiating a transaction.

Each category of User is subject to this User Agreement and the incorporated Terms of Service.

Section 4: Incorporation by Reference
By using the Platform, you acknowledge that you have read, understood, and agree to be bound by: The Lira Technologies, Inc. Terms of Service, including all appendices, policies, and pricing addenda; and The Lira Privacy Policy, available at www.lirainc.com/terms/privacy.

The Terms of Service set forth in detail the rights and obligations of Lira, Account Users, Purchasers, and all other users, including but not limited to Sections 4–6 (Fees and Payment), 8 (Compliance), 12 (Information Security), 16 (Termination), and 21–22 (Dispute Resolution and Governing Law).

Section 5: Account Users
If you create or maintain a Lira Account, you agree to:

1. Provide accurate and complete information during registration and maintain the security of your login credentials.
2. Authorize designated Account Users (e.g., partners, associates, employees) only for legitimate business purposes and accept responsibility for their actions as your own.
3. Use the Platform solely for lawful business or professional purposes, including processing payments on behalf of clients, managing escrow or trust accounts consistent with ethical obligations, and complying with all applicable law and network rules.
4. Pay all applicable Fees as described in the Terms of Service and any Pricing Addendum, and maintain adequate funds for debits or reversals.
5. Maintain compliance with all bar-association, trust-account, and client-funds management rules applicable to you or your firm.

Lira does not provide legal advice and is not engaged in the practice of law. You are solely responsible for ensuring that your use of the Platform complies with your professional obligations.

Section 6: Purchasers
By submitting a payment through the Platform, you (the “Purchaser”):

1. Authorize Lira and its payment partners to process your payment on behalf of the Account User identified in the payment interface.
2. Acknowledge that Lira acts as a technology intermediary, not as attorney or service provider to whom payment is made.
3. Consent to any disclosed surcharge or convenience fee, which may appear as a separate line item on your transaction receipt, and agree that such charge is authorized and non-refundable except as required by law.
4. Agree that all disputes regarding goods, services, or representation are between you and the Account User, and that Lira bears no liability for such disputes.
5. Consent to receive electronic communications (including confirmations, disclosures, and notices) pursuant to the e-sign provisions of the Terms of Service.
6. Acknowledge that refunds, reversals, or chargebacks will be handled in accordance with applicable network rules and Lira’s Terms of Service.

Section 7: General Users
If you access the Platform without creating an account or making a payment, you agree that:

1. License. Lira grants you a limited, non-exclusive, revocable, non-transferable license to access and use the public portions of the Platform solely for lawful informational or personal purposes.
2. Prohibited Activities. You must comply with the prohibitions set forth in Section 8 of the Terms of Service.
3. Intellectual Property. All intellectual-property rights in the Platform are owned by Lira and are governed by Section 10 of the Terms of Service.
4. User Submissions. If you submit any feedback, data, or materials through the Platform, you grant Lira a worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, modify, and display such submissions for operational, analytical, or marketing purposes.
5. Third-Party Links. The Platform may contain links or integrations to third-party websites or services. Lira is not responsible for the content or privacy practices of those third parties, and access is at your own risk.
6. Termination of Access. Lira may suspend or terminate access to the Platform, or any portion thereof, at any time and for any reason without notice.
7. Disclaimers and Liability. All disclaimers of warranties and limitations of liability in Sections 19 and 20 of the Terms of Service apply to your use of the Platform.
8. Privacy. Your use of the Platform is subject to Lira’s Privacy Policy referenced in Section 11 of the Terms of Service.
9. Governing Law. Dispute-resolution and governing-law provisions in Sections 21 and 22 of the Terms of Service apply to all General Users.You may not copy, reproduce, distribute, modify, or create derivative works from any content or software on the Platform;
   1. You will not use any automated tools or engage in scraping, reverse engineering, or other prohibited activity described in the Terms of Service;
   2. You accept the disclaimers and limitations of liability set forth in Sections 19–20 of the Terms of Service; and
   3. Your access is at Lira’s discretion and may be terminated or limited at any time.

Section 8: Privacy, Security, and Data Use
Lira processes personal and payment data in accordance with its Privacy Policy and applicable law. Account Users are responsible for protecting any sensitive or personal data they access through the Platform and must promptly notify Lira of any security incident or suspected breach as described in Section 12 of the Terms of Service.

Section9: Dispute Resolution and Governing Law
All disputes, claims, or controversies arising out of or relating to this User Agreement are subject to the Arbitration and Governing Law provisions contained in Sections 21 and 22 of the Terms of Service. You acknowledge that:

All disputes must be resolved by binding individual arbitration in White Plains, New York, except as otherwise provided;

1. Class actions and jury trials are waived; and
2. New York law governs this Agreement, without regard to conflict-of-law principles.

Section10: Amendments
Lira may amend this User Agreement or the incorporated Terms of Service at any time by posting updated terms on its website or otherwise notifying users as permitted under Section 26 of the Terms of Service. Continued use of the Platform constitutes acceptance of any such amendment.

Section 11: Entire Agreement
This User Agreement, together with the incorporated Terms of Service and Privacy Policy, constitutes the entire agreement between you and Lira regarding use of the Platform and supersedes all prior or contemporaneous understandings on the subject matter.

Section 12: Acknowledgment
By creating a Lira Account, submitting a payment, or otherwise using the Platform, you acknowledge that you have read, understood, and agree to this User Agreement and the incorporated Terms of Service and Privacy Policy.