Welcome to the PayRecon website, an online service designed and offered by CTH Commerce Sdn Bhd. and its affiliates (“CTH Commerce”) especially for small businesses around the globe. These Terms of Use are intended to explain our obligations as a service provider and your obligations as a user and subscriber. IT IS IMPORTANT THAT YOU READ ALL THE TERMS AND CONDITIONS CAREFULLY.

If you use this website, you are agreeing to be bound by these Terms of Use without any modification or qualification. IF YOU ARE DISSATISFIED WITH THE TERMS, CONDITIONS, RULES, POLICIES, GUIDELINES OR PRACTICES OF OPERATING OUR SERVICE, UNLESS EXPRESSLY SET OUT IN THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE. If for any reason you are unable to meet all the conditions set forth in these Terms of Use, or if you breach any of the Terms of Use contained herein, your permission to use CTH Commerce or access any of CTH Commerce’s Services (defined below) immediately lapses and you must destroy any materials downloaded or printed from the CTH Commerce website.

CTH Commerce offers a number of Additional Services each with their own Terms of Service (“Specific Additional Service Terms”) applicable in addition to these Terms of Use. When you use an Additional Service, you will be subject to the Specific Additional Service Terms. Note that if these Terms of Use are inconsistent with the Specific Additional Service Terms, those Specific Additional Service Terms will control. See Section X below.

CTH Commerce reserves the right to modify or change these Terms of Use at any time without giving prior notice. We shall, however, notify you of significant changes by posting an announcement on the Site. Your use of CTH Commerce is subject to the most current Terms of Use posted on the Site at such time. The most current version can be reviewed by clicking “Terms of Use” hyperlink at the bottom of our Site pages.

A. Definitions.

The following terms shall have the following meaning throughout the Terms of Use.

  1. “Agreement” or “this agreement” refers to these Terms of Use.
  2. “Applicable law” refers to the laws currently in force in the Province of Ontario, Malaysia which shall govern this agreement.
  3. “Site” means this website, all related webpages, and all related websites operated by affiliates or divisions of CTH Commerce, but does not include any third party websites which are linked to or may link from this website whether or not such third party websites are used in connection with the Services.
  4. “Service” and “Services” refer to the online financial services and other small business–related services and Support offered through CTH Commerce from time to time.
  5. “Subscriber” refers to any person who maintains an account with us and utilizes our Services.
  6. “Support” means technical support and assistance provided to users by CTH Commerce.
  7. “CTH Commerce”, “we”, “us” and “our” shall refer to CTH Commerce Inc. and all its affiliates and subsidiaries.
  8. “CTH Commerce” means the Site and all mobile applications and other applications which provide access to the Services offered by CTH Commerce and its affiliates from time to time.
  9. “CTH Commerce Parties” includes CTH Commerce, its affiliates, subsidiaries, partners, service providers, suppliers and contractors and each of their respective officers, directors, agents, and employees.
  10. “CTH Commerce Pros” means the persons and entities who have voluntarily registered with CTH Commerce to be listed on the Site as members of the CTH Commerce Pro Network in order to offer, for their own account, various technical support, financial consulting, accounting and bookkeeping services to CTH Commerce users.
  11. “CTH Commerce Pro Network” means the online community of CTH Commerce Pros listed on the Site from time to time.
  12. “You” and “user” shall refer to any person who visits the Site or uses CTH Commerce and includes a subscriber and its employees and agents.

B. General.

CTH Commerce grants you a non-exclusive, non-transferable limited license to use CTH Commerce and related resources in accordance with these Terms of Use. You agree not to infringe our intellectual property and the intellectual property of any third parties with whom we have partnerships, and you will comply with the terms of any applicable license agreements.

You agree that any notices, disclosures, agreements and other communications that we may deliver or communicate to you from time to time comply with the terms of any applicable electronic documents legislation, including the requirement that such documents be in writing, are capable of being retrieved, reviewed, printed and stored for further use by you.

Electronic Delivery

By accepting this Agreement, you agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, “Communications”) that we provide in connection with your Account and your use of the Service. Communications include but are not limited to:

  1. agreements and policies, such as this Agreement and our Privacy Policy, including updates thereto;
  2. annual disclosures;
  3. transaction receipts or confirmations;
  4. communication in relation to delinquent accounts (which may also be by phone, and may be made by CTH Commerce or by anyone on its behalf, including a third party collection agent);
  5. Account statements and history; and
  6. federal and state tax statements.

We will provide these

Communications to you by emailing them to you at the primary email address listed in your Account registration, by emailing you a link or instructions how to access them on a website, or (if permitted by law) by posting them on the Website. Communications are considered received by you within 24 hours of the time they are emailed to you or posted to our Website. You further agree that your electronic signature has the same effect as your manual, physical signature.

By giving your consent, you are confirming that you are able to receive, open, and print or download a copy of any Communications for your records. It is important for you to retain copies of Communications because they may not be accessible in your Account at a later date.

How to Withdraw Your Consent

You may withdraw your consent to receive Communications electronically by contacting us through Customer Support or as outlined in our Privacy Policy. If you withdraw your consent to receive Communications electronically, CTH Commerce may deny your registration for an Account, restrict or close your Account, or charge you additional fees for paper copies.


You may provide access to certain apps to authorized users (called Guest Collaborators). An authorized user is someone designated by you via the Guest Collaborator functionality available in CTH Commerce. Such authorized users may have access to your account information and perform various tasks as instructed by you which include but are not limited to creating invoices, categorizing transactions, and any other lawful tasks that you may prescribe. If you administer your CTH Commerce account on behalf of a business or corporation, you represent and warrant that you have the right to provide access to your Guest Collaborators.

CTH Commerce may, without notice or liability, add, discontinue or revise any aspect, mode or design of the Services which include but not limited to the scope of service, time of service, or to the software/hardware required for access to the Services. CTH Commerce may also limit the geographic locations or jurisdictions where certain Services may be available.

Without prejudice to the foregoing, should there be a failure of or error, omission, defect, deficiency, delay causing downtime, or inability of a subscriber to access the Services for any length of time, including as a result of the permanent termination of service, the subscriber acknowledges and agrees that, except as otherwise set out herein, its only remedy for any error, omission, defect, deficiency, delay or other failure of CTH Commerce or the Services whatsoever is to discontinue using CTH Commerce and the Services.

You assume sole responsibility for and shall ensure that any information, data, documents or materials used, disclosed, entered into or created using CTH Commerce or in connection with the Services is accurate, reliable and complete and does not violate our content guidelines. You authorize us and our service providers and their vendors and subcontractors to monitor your website and your use of the Services. You represent and warrant that you have obtained all required consents and comply with all applicable legislation, including without limitation privacy legislation, in connection with any use and disclosure of information relating to the use of CTH Commerce and the Services. CTH Commerce

Other Information You Provide Us

While using the Services, we may also collect information from you about someone else. If you provide us with personal information about someone else, you are obligated to ensure that you are authorized to disclose that information to us, and that we, without further action, may collect, use, and disclose that information for the purposes described in this policy.

CTH Commerce may require you to assist with any requests by the individual to access or update their information, and you agree to do so.