These Terms and Conditions ("Terms") govern the use of the payment services provided by Expatbuyingexpert.com ("we", "us", "our") through Unipay.com ("Unipay"). By using our services, you agree to be bound by these Terms and Unipay's terms and conditions.

1. Services Provided

We offer payment processing services for startup fees and mortgage pre-approval fees through Unipay. You will receive a link to make payments using Unipay's services.

2. Fees and Charges

Fees for using our payment services are as per Unipay's standard rates. We may also charge additional fees for our services, which will be communicated to you separately.

3. Payment Processing

All payments are processed through Unipay's platform. You agree to provide accurate and complete information as required by Unipay for payment processing.

4. Refunds and Chargebacks

Refunds and chargebacks are handled in accordance with Unipay's policies. Please refer to Unipay's terms for details.

5. Liability

We are not liable for any losses or damages arising from the use of our payment services, except as required by law.

6. Data Protection

We collect and process personal data in accordance with our Privacy Policy. By using our services, you consent to such collection and processing.

7. Termination

We may terminate your use of our payment services at any time, with or without cause, and with or without notice, except as required by law.

8. Governing Law

These Terms are governed by the laws of Georgia.

9. Amendments

We may update these Terms from time to time. We will notify you of any changes by posting the new Terms on our website. Your continued use of our services after such changes constitutes your acceptance of the new Terms.

10. Additional Clause

These Terms are subject to Unipay's terms and conditions, as applicable. In the event of any conflict between these Terms and Unipay's terms, Unipay's terms shall prevail.

By using our payment services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Unipay's terms and conditions.

1. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, mailing address.
• Payment Information: When you make a payment through our website, we use Unipay.com to process your payment. Unipay collects and stores your payment information in accordance with their privacy policy.
• Usage Information: We may collect information about how you use our website, such as your IP address, browser type, and pages visited.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide and maintain our services, including sending payment links for startup and mortgage pre-approval fees.
• To process payments and manage transactions.
• To communicate with you about your account, services, and updates.
• To improve our website and services.
• To comply with legal obligations.

3. Information Sharing and Disclosure

We may share your information with:

• Unipay.com for payment processing.
• Service providers who help us operate our website and services.
• As required by law or to protect our rights.

4. Data Protection

We implement appropriate technical and organizational measures, such as encryption, to protect your personal data from unauthorized access, disclosure, alteration, or destruction.

5. Cookies

We use cookies to enhance your experience on our website. You can manage your cookie preferences in your browser settings.

6. Your Rights

You have the right to:

• Access your personal data.
• Correct or update your personal data.
• Delete your personal data.
• Object to the processing of your personal data.

To exercise these rights, please contact us at contact@expatbuyingexpert.com

7. Data Retention

We retain your personal data only for as long as necessary to provide our services and comply with legal obligations.

8. International Data Transfers

Your personal data may be transferred to and processed in countries outside of your country of residence, including Georgia and the European Union. We ensure that such transfers comply with applicable data protection laws.

9. Children's Privacy

Our services are not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

10. How to Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at contact@expatbuyingexpert.com

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on our website.