Last Updated: September 24, 2026
The following terms of service are terms of a legal agreement (the "Terms") between you ("you", "your", or "user") and Palla Financial, Inc. doing business as Palla, its subsidiaries, affiliates, agents and assigns ("Palla", "we", "us", or "our") (collectively “Parties”) that sets forth the terms and conditions for your use of all of Palla's websites and all mobile applications (collectively, the "Site") and/or the products and services offered, operated or made available by Palla (collectively, the "Services"). This Site and Services are being provided to you expressly subject to these Terms. By accessing, browsing and/or using the Site or the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and to comply with all applicable laws and regulations. These Terms govern your use of the Site and the Services.
THESE TERMS INCLUDES A BINDING ARBITRATION PROVISION THAT CONTAINS A CLASS ACTION WAIVER. PLEASE REFER TO SECTION 29 BELOW FOR MORE INFORMATION. THE ARBITRATION AGREEMENT REQUIRES DISPUTES BETWEEN US TO BE SUBMITTED TO ARBITRATION, ELIMINATES YOUR ABILITY TO PURSUE DISPUTES AS PART OF A CLASS OR GROUP, AND WAIVES YOUR RIGHT TO A TRIAL IN COURT AND BY A JURY.
Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Terms to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms by your continued use of the Site and the Services after the date such revised Terms are posted. If you do not agree to the revised Terms, you must stop using the Services and may delete your account by contacting us at support@palla.app.
The Site and the Services are intended for users who are at least 18 years of age, and are intended for, and should only be used, by individuals with an active U.S.-based account.
The Services allow you to leverage different payment networks ("Third Party Systems") to send money from your existing bank account in the United States to a recipient's ("Recipient") bank account in another country. Your eligibility for an originating bank account that uses Visa Direct or Mastercard Send systems is the decision of the originating banking partner ("Issuing Bank"). If you cannot obtain an Issuing Bank account, or your Issuing Bank account is closed, suspended, or inactive, you may not be able to use the Services. If the Recipient does not have or cannot obtain a bank account, you may not be able to use the Services to send money to that person. Additionally, your ability to use the Services is subject to Palla's review and approval.
SCAMS and FRAUD. Scams and fraud frequently occur in connection with money transfer services. Only send money to people you know. Do not share account details with anyone. Contact us if you have concerns about scams or fraud.
Palla is a technology company that provides a software solution. Palla is neither a financial institution nor a money transmitter. Money transmission services are provided by and through regulated financial institutions.
Sending Money Using the Services. You may use the Services to send funds to another country using the Third Party Systems.
User Registration. You are required to register on the Site and establish an account ("Palla App Login") with us in order to access the Services. You are solely responsible for the security and confidentiality of your password and account and for all use of your account. You will not share your account information or your user name and password with any third party or permit any third party to logon to the Services using your account information. You will immediately notify us of any unauthorized use of your account or any other breach of security of which you become aware. You should take precautions and provide security measures best suited for your situation and intended use of the Services. Please note that anyone able to provide your personally identifiable information may be able to access your account so you should take reasonable steps to protect your personally identifiable information.
Issuing Bank and Third Party Systems Integration. In order to use the Services' payment functionality, you must have a U.S.-based Issuing Bank account that is compatible with either of the Third Party Systems. You authorize us to collect and share with the Third Party Systems your personal information including full name, date of birth, physical address, email address and third party bank account ("Bank Account") information, other information necessary to validate your identity in accordance with our Privacy Policy available at https://www.palla.com/privacy-policy. Subject to applicable law, you are responsible for the accuracy and completeness of that data.
Funding Process. Any funds held in the Issuing Bank account that are directed for payment to a Recipient are transferred by the Third Party Systems to the recipient. "Available Funds" means the funds that can be available to us by your Issuing Bank. You acknowledge and agree that the funds available to transfer via the Services are limited to Available Funds. Palla has no control over the amount of Available Funds and is not liable if you are unable to use the Services due to a lack of Available Funds. When you initiate a transfer via our Services, we will instruct the Third Party Systems to initiate a debit in the amount of the transaction and any associated fees from your Issuing Bank account to the third-party's account in another country. We will also inform you if your Palla transaction cannot be completed.
Payments. If you want to send funds to a Recipient that is not registered with Palla, the recipient will need to establish an account before the Recipient is eligible to receive a payment. Once the Recipient has or opens a Palla account, the Recipient can receive funds directly into their bank account or digital wallet. If the Recipient does not receive the funds by the date promised, please contact us.
Fees and Exchange Rates. All fees and exchange rates (if any) imposed on Palla's transactions are displayed for senders before processing each transaction. The Issuing Bank may charge you fees related to your Issuing Bank account; Palla makes no guarantee that your use of the Services will not cause you to incur such fees. For more information on Issuing Bank fees, contact the Issuing Bank. The Recipient's bank may also charge the recipient fees. Palla makes no guarantee that your use of the Services will not cause the Recipient to incur such fees.
Foreign Exchange Rates. Palla and its partners may make money when you send transactions in U.S. Dollars that are converted into a Foreign Currency. In some cases, Palla makes money based on the difference between the exchange rate at which we buy foreign currency and the exchange rate provided to you. If a foreign currency exchange rate applies, we will disclose it to you.
Taxes. There may be taxes imposed on your funds transfer, including on the receipt of funds in another country. When we are able and required by applicable law, we will disclose those taxes to you. However, we cannot guarantee the accuracy of any such disclosure. If we cannot disclose taxes, we will inform you of this when you authorize a transaction.
Limitation on the Services. We may, at any time and in our sole discretion, restrict your ability to use the Services. This may include restricting your ability to send funds to certain recipients including without limitation, entities and individuals that are included on the Specially Designated Nationals list, Non-cooperative Countries and Territories list, United Nations Security Council Sanctions List, and such other lists as may be issued from time to time by government agencies. We may also, at any time and in our sole discretion and without prior notice, limit the amount to be transferred either in an individual transaction or an aggregated basis due to fraud or other concerns. We may reject or limit transactions based on violations of these Terms, local laws and regulations or if we reasonably determine your use of the Services presents an unacceptable level of risk to us, our users, our systems, or our partners.
Consumer Purpose Only. You agree to only use the Services for your own personal, family, or household purposes. If we suspect you are using the Services for commercial or business purposes, we reserve the right to terminate your use of the Services.
Refunds & Cancellation. Most Palla transfers are delivered to Recipients immediately. You have the right to cancel a remittance transfer and obtain a refund of all funds paid to us, including any fees. In order to cancel, you must contact us at support@palla.app or (786) 625-6048 within 30 minutes of payment for the transfer. When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were sent. We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient's account.
Error Resolution. If you think there has been an error or problem with a transfer of funds,
- Call us at: (786) 625-6048; or
- Write us at: 8950 SW 74th Court, Suite 2201 PMB A132, Miami, FL 33156; or
- E-mail us at: support@palla.app.
You must contact us within 180 days of the date we promised to you that funds would be made available to the recipient. When you do, please tell us:
- Your name, address, and telephone number;
- The error or problem with the transfer, and why you believe it is an error or problem;
- The name of the person receiving the funds, and if you know it, his or her telephone number or address; and
- The dollar amount of the transfer.
We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation.
Prohibited Transactions. You may not use the Service in violation of these Terms or applicable laws, rules or regulations. It is a violation of these Terms to use the Service for any of the following activities (without limitation): sexually-oriented materials or services; gambling activities; fraud; money-laundering; funding terrorist organizations; purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances; or sending money to a recipient who has violated these Terms. If you use the Service in connection with illegal conduct, we reserve the right to report you to the appropriate law enforcement agency or agencies. We may, in our sole discretion, cancel any transaction and terminate your use of the Services if we suspect they are being used for any purpose prohibited by these Terms. You acknowledge that Palla is not liable for your use of the Services in violation of these Terms.
Communications. You consent to our communicating with you via e-mail, text, and telephone. We may contact you to discuss your use of the Services. We will not use telephone numbers for marketing purposes without your express consent, which you can revoke at any time. You may opt-out of marketing communications with us by emailing us at support@palla.app or calling us at (786) 625-6048. If we have sent such marketing communications via text, you can opt-out of such communications by replying to the text writing "STOP" or by following our instructions to opt-out sent with our text message to you.
Distribution Limited. The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction. Accordingly, those persons who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. The Services are not available outside of the United States.
Access License. Palla grants you a limited, revocable, non-exclusive, non-transferable license to access and use the Site and Service. The Site and Service may only be used for the intended purpose for which we make it available. We and our licensor(s) reserve all rights to the Site and Service not expressly granted, whether by implication, estoppel, or otherwise. The license granted in this Section 9 does not include the right to install or use any Palla mobile application; such rights are governed exclusively by Section 13 of these Terms.
Restrictions. Except as expressly permitted herein, you may not reproduce, sell, resell, or otherwise exploit the Site or Service or any part of it for any purpose without our express written consent. Additionally, you will not: (a) make derivative use of the Site, Service or Content; (b) download or copy account information for the benefit of a third party; (c) collect and use any content, including product listings, descriptions, or prices; (d) use any robot, spider, scraper, or other automated means to access the Service for any purpose without our express written permission; (e) take any action that imposes, or may impose in our sole discretion an unreasonable or disproportionately large load on our infrastructure; (f) interfere or attempt to interfere with the proper working of the Site or Service or any activities conducted on the Service; (g) bypass any measures we may use to prevent or restrict access to the Site or Service or (h) use the Site, Service or Content in connection with the training of machine learning or a neural network, deep learning or artificial intelligence system or software (i) use the Service or any Content for any revenue generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended; (j) remove, alter, or obscure any proprietary notice (including any notice of copyright or trademark) posted by us or the licensors of the application; (k) use the application for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the application; (l) use the application to send automated queries to any website or to send any unsolicited commercial e-mail;. Any unauthorized use automatically terminates the permissions and licenses granted to you by us.
Ownership. Unless otherwise indicated, the Site and Services are our proprietary property. All source code, databases, functionality, software, website designs, audio, video, text, photographs, images, moving images, illustrations, and graphics featured or displayed on the Site and Services (collectively, the "Content") are owned or controlled by us or licensed to us. All elements of the Service, including without limitation the general design and the Content, are protected by trade dress, copyright, moral rights, trademark, and other laws relating to intellectual property rights. You may not modify any Content and you may not copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any Content. You will not remove any copyright, trademark, or other proprietary notice from any material found on the Service. You are responsible for ensuring your use is permissible before reusing any Content. You shall comply with all applicable domestic and international laws, statutes, ordinances, and regulations regarding your use of the Service. The Service, Content, and all related rights remain the exclusive property of Palla or its licensors, vendors, agents, and/or Content providers unless otherwise expressly agreed, and are protected by U.S. and international copyright laws.
Trademarks/No Endorsement. All trademarks, service marks and trade names of Palla used on the Site, in the Service or in the Content (including but not limited to: Palla name, Palla corporate logo, the Service name, the Service design, and any logos) (collectively “Marks”) are trademarks or registered trademarks of Palla or its affiliates, partners, vendors, or licensors in the United States or other countries. You may not use, copy, reproduce, republish, upload, post, transmit, distribute, or modify Marks in any way without our prior written consent. The Content and the Marks are provided on the Site and Services "AS IS" for your information and personal use only.
Mobile Application License.
Use License. If you access the Site via a mobile application, then we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the mobile application on wireless electronic devices owned or controlled by you, and to access and use the mobile application on such devices strictly in accordance with the terms and conditions of this mobile application license contained in these Terms. The restrictions set forth in Section 10 of these Terms are incorporated herein by reference and apply in full to your installation and use of the mobile application.
Apple and Android Devices. The following terms apply when you use a mobile application obtained from either the Apple Store or Google Play (each an "App Distributor") to access the Services: (1) the license granted to you for our mobile application is limited to a non-transferable license to use the application on a device that utilizes the Apple iOS or Android operating systems, as applicable, and in accordance with the usage rules set forth in the applicable App Distributor's terms of service; (2) we are responsible for providing any maintenance and support services with respect to the mobile application as specified in the terms and conditions of this mobile application license contained in these Terms or as otherwise required under applicable law, and you acknowledge that each App Distributor has no obligation whatsoever to furnish any maintenance and support services with respect to the mobile application; (3) in the event of any failure of the mobile application to conform to any applicable warranty, you may notify the applicable App Distributor; (4) you represent and warrant that (i) you are not located in a country that is subject to a U.S. government embargo, or that has been designated by the U.S. government as a "terrorist supporting" country and (ii) you are not listed on any U.S. government list of prohibited or restricted parties; (5) you must comply with applicable third-party terms of agreement when using the mobile application, e.g., if you have a VoIP application, then you must not be in violation of their wireless data service agreement when using the mobile application; (6) you acknowledge that in the event of any third-party claim that the mobile application or your possession and use of that mobile application infringes that third party’s intellectual property rights, App Distributor will not be responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim; and (7) you acknowledge and agree that the App Distributors are third-party beneficiaries of the terms and conditions in this mobile application license contained in these Terms, and that each App Distributor will have the right (and will be deemed to have accepted the right) to enforce the terms and conditions in this mobile application license contained in these Terms against you as a third-party beneficiary thereof. Apple and Google are not a sponsor of any content or Services.
Feedback. If you give to Palla any idea, proposal, suggestion, or feedback, including without limitation ideas for new products, technologies, promotions, product names, product feedback, and product improvements ("Feedback"), you give to Palla, without charge, royalties, or other obligation to you, the right to make, have made, create derivative works, use, share, and commercialize your Feedback in any way and for any purpose. Palla will treat any Feedback you provide to Palla as non-confidential and non-proprietary. You agree that you will not submit to Palla any information or ideas that you consider to be confidential or proprietary.
User Representations. By using the Site or the Services, you represent and warrant that: (i) all registration information you submit will be true, accurate, current, and complete; (ii) you will maintain the accuracy of such information and promptly update such registration information as necessary; (iii) you have the legal capacity and you agree to comply with these Terms; (iv) you are not under the age of 18; (v) you are not a minor in the jurisdiction in which you reside; (vi) you will not access the Site and the Services through automated or non-human means, whether through a bot, script or otherwise; (vii) you will not use the Site or the Services for any illegal or unauthorized purpose; and (viii) your use of the Site and the Services will not violate any applicable law or regulation.
If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site and the Services (or any portion thereof).
IF YOUR PALLA ACCOUNT IS ACCESSED BY SOMEONE ELSE OR IF YOU LOSE ACCESS, NOTIFY US AT ONCE by calling or writing to us at (786) 625-6048 or 8950 SW 74th Court, Suite 2201 PMB A132, Miami, FL 33156.
Business Days. For purposes of these disclosures, our business days are Monday through Friday. Federal and Florida state holidays are not included.
Limitations. If you have completed the basic registration for use of the Services, the following limitations will apply:
Frequency of Transfers. You may only make 10 transfers using the Services per 30 day period.
Dollar Amount of Transfers. You may only transfer up to $1,000 using the Services per 30 day period.
Confidentiality. We will disclose information to third parties about your account or the transfers you make in accordance with our Privacy Policy.
Documentation. We will provide you an electronic receipt for every transfer made using the Services.
Privacy Policy. We care about data privacy and security. By using the Site and Services, you agree to be bound by our Privacy Policy available here, which is incorporated into these Terms. Please be advised the Site and Services are hosted in the United States. If you access the Site or Services from the European Union, Asia, or any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Site or Services, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States. Further, we do not knowingly accept, request, or solicit information from children or knowingly market to children. Therefore, in accordance with the U.S. Children's Online Privacy Protection Act, if we receive actual knowledge that anyone under the age of 18 has provided personal information to us without the requisite and verifiable parental consent, we will delete that information from the Site and Services as quickly as is reasonably practical.
Terms and Termination. These Terms shall remain in full force and effect while you use the Site. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SITE OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.
If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.
Modifications and Interruptions. We reserve the right to change, modify, or remove the contents of the Site or Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site or Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site or Services. We cannot guarantee the Site or Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site or Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site or Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site or Services during any downtime or discontinuance of the Site or Services. Nothing in these Terms will be construed to obligate us to maintain and support the Site or Services or to supply any corrections, updates, or releases in connection therewith.
Corrections. There may be information on the Site or in connection with the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time, without prior notice.
Disclaimer. THE SITE AND SERVICES ARE PROVIDED "AS IS," "AS AVAILABLE," AND WITHOUT ANY WARRANTY OR CONDITION OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, EXCEPT WHERE REQUIRED BY LAW. YOUR USE OF THE SITE AND SERVICES IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PALLA, ITS SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUPPLIERS, VENDORS, AND SERVICE PROVIDERS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF INTELLECTUAL PROPERTY.
PALLA MAKES NO WARRANTY OR REPRESENTATION REGARDING THE ACCURACY OR COMPLETENESS OF (A) ANY CONTENT OR MATERIALS ON THE SITE OR SERVICES, OR (B) THE CONTENT OF ANY THIRD-PARTY WEBSITES LINKED TO THE SITE. PALLA ASSUMES NO LIABILITY OR RESPONSIBILITY FOR: (1) ANY ERRORS, MISTAKES, OR INACCURACIES IN CONTENT OR MATERIALS; (2) PERSONAL INJURY OR PROPERTY DAMAGE OF ANY NATURE RESULTING FROM YOUR ACCESS TO OR USE OF THE SITE OR SERVICES; (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS OR ANY PERSONAL OR FINANCIAL INFORMATION STORED THEREIN; (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE OR SERVICES; (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR SIMILAR HARMFUL CODE TRANSMITTED TO OR THROUGH THE SITE OR SERVICES BY ANY THIRD PARTY; OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR MATERIALS, OR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE OR SERVICES.
WE DO NOT GUARANTEE THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT CONTENT LOSS WILL NOT OCCUR. THE INFORMATION, MATERIALS, AND SERVICES PROVIDED ON OR THROUGH THE SITE MAY BE OUT OF DATE, AND PALLA MAKES NO COMMITMENT AND ASSUMES NO DUTY TO UPDATE SUCH INFORMATION, MATERIALS, OR SERVICES. WE MAKE REASONABLE EFFORTS TO ENSURE THAT TRANSACTIONS ARE PROCESSED IN A TIMELY MANNER, BUT WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THE TIME NEEDED TO COMPLETE PROCESSING, AS THE SERVICES ARE DEPENDENT ON MANY FACTORS OUTSIDE OUR CONTROL.
WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE OR SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING. WE ARE NOT A PARTY TO AND WILL NOT MONITOR ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDER OF PRODUCTS OR SERVICES. AS WITH ANY TRANSACTION CONDUCTED THROUGH ANY MEDIUM OR ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE APPROPRIATE CAUTION.
NOTHING IN THIS SECTION WAIVES ANY RIGHTS YOU MAY HAVE UNDER THE ELECTRONIC FUND TRANSFER ACT OR ANY OTHER APPLICABLE FEDERAL OR STATE LAW. NOTWITHSTANDING THE FOREGOING, YOU MAY HAVE A RIGHT TO A REFUND AS EXPRESSLY DESCRIBED IN THESE TERMS.
Indemnification. Unless prohibited by law, you agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: (1) use of the Site and the Services; (2) breach of these Terms; (3) any breach of your representations and warranties set forth in these Terms; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (5) any overt harmful act toward any other user of the Site with whom you connected via the Site and the Services; (6) your violation of any law, rule, or regulation of the United States or any other country; or (7) any other party’s access and use of the Service with your unique username, password, or other appropriate security code. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.
Release. Subject to applicable law, in the event that you have a dispute with one or more users of the Service, you release Palla (and our officers, directors, agents, subsidiaries, joint ventures, and employees) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes.
Force Majeure. Subject to applicable law, neither Palla nor you shall be responsible for damages or for delays or failures in performance resulting from acts or occurrences beyond our or your reasonable control, including, without limitation: fire, lightning, explosion, power surge or failure, water, acts of God, war, revolution, civil commotion or acts of civil or military authorities or public enemies: any law, order, regulation, ordinance, or requirement of any government or legal body or any representative of any such government or legal body; or labor unrest, including without limitation, strikes, slowdowns, picketing, or boycotts; inability to secure raw materials, transportation facilities, fuel or energy shortages, or acts or omissions of other common carriers.
Governing Law. These Terms and your use of the Site and Services are governed by and construed in accordance with the laws of the State of Florida applicable to agreements made and to be entirely performed within the State of Florida, without regard to its conflict of law principles.
Mandatory Arbitration & Dispute Resolution and Class Action Waiver. PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS AND HOW CLAIMS THAT YOU AND PALLA HAVE AGAINST EACH OTHER ARE RESOLVED. This Section is deemed to be a “written agreement to arbitrate” pursuant to the Federal Arbitration Act. You and Palla agree that we intend that this Section satisfies the “writing” requirement of the Federal Arbitration Act.
If you have a dispute or other concern, please contact us immediately. We will do our best to resolve it. If the Parties are unable to resolve a dispute through informal negotiations, the dispute (except those disputes expressly excluded below) will be finally and exclusively resolved by binding arbitration on an individual basis. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA") and, where appropriate, the AAA's Supplementary Procedures for Consumer Related Disputes ("AAA Consumer Rules"), both of which are available at the AAA website www.adr.org. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules. If such costs are determined by the arbitrator to be excessive, we will pay all arbitration fees and expenses, unless the Arbitrator determines that your claim(s) were frivolous or asserted in bad faith. The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will make a decision in writing, but need not provide a statement of reasons unless requested by either Party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except where otherwise required by the applicable AAA rules or applicable law, the arbitration will take place in the federal judicial district of your residence or telephonically. Except as otherwise provided herein, the Parties may litigate in court to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.
NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS (INCLUDING AS PRIVATE ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT. Unless consented to in writing by all parties to the arbitration, no party to the arbitration may join, consolidate, or otherwise bring claims for or on behalf of two or more individuals or unrelated corporate entities in the same arbitration unless those persons are parties to a single transaction. Unless consented to in writing by all parties to the arbitration, an award in arbitration shall determine the rights and obligations of the named parties only, and only with respect to the claims in arbitration, and shall not (a) determine the rights, obligations, or interests of anyone other than a named party, or resolve any claim of anyone other than a named party; nor (b) make an award for the benefit of, or against, anyone other than a named party.
If for any reason, a dispute proceeds in court rather than arbitration, the dispute shall be commenced or prosecuted in the state and federal courts located in Miami-Dade County, Florida, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction, and forum non conveniens with respect to venue and jurisdiction in such state and federal courts.
In no event shall any dispute brought by either Party related in any way to the Site or Services be commenced more than one (1) years after the cause of action arose unless permitted by the Electronic Fund Transfer Act. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any dispute falling within that portion of this provision found to be illegal or unenforceable and such dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.
Restrictions. The Parties agree that any arbitration shall be limited to the dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.
Exceptions to Arbitration. The Parties agree that the following disputes are not subject to the above provisions concerning binding arbitration: (a) any individual disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any individual dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any individual claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any dispute falling within that portion of this provision found to be illegal or unenforceable and such dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.
Electronic Communications, Transactions, and Signatures. Visiting the Site or using the Services, sending us emails, and completing online forms constitute electronic communications. To use our Services, you must agree to our Electronic Communications Policy, which governs how we communicate with you and how records of your transactions are maintained.
By accepting these Terms, you consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.
Miscellaneous. These Terms and any policies or operating rules posted by us on the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. These Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms. You agree that these Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms and the lack of signing by the parties hereto to execute these Terms.
Translation of Terms. Any translation of these Terms is provided solely for your convenience and is not intended to modify the terms of these Terms. In the event of a conflict between the English version of these Terms and a version in a language other than English, the English version shall control.
Contact Us. In order to resolve a complaint regarding the Site or the Services or to receive further information, please contact us at:
Palla Financial, Inc.
8950 SW 74th Court, Suite 2201 PMB A132
Miami, FL 33156
Phone: (786) 625-6048
Email: support@palla.app
Copyright Notice. All design, graphics, text selections, arrangements, and all software are Copyright © 2026, Palla and its affiliates and licensors. ALL RIGHTS RESERVED.
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