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Terms and Conditions

Please read these terms of use carefully.

Please note we are part of Effusive Marketing Ltd trading as Michael Kalisperas and our products and services, are owned and provided by FuturePay, Inc., subject to these Terms and Conditions of Use, as they may be amended by us and any guidelines, rules or operating policies that we may post on this Website, including, without limitation, our Privacy Policy, which are incorporated herein by reference (the “Agreement”). We may amend this Agreement from time to time due to changes to our products and services, any developments by law, or any other commercially reasonable reason. Future performance by us of our obligations under this Agreement is sufficient consideration for any such amendment.

Copyright and Trademark information

Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without FuturePay’s prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of FuturePay’s proprietary rights provided that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded.


Web Content and Materials

Terms and Conditions related to select products and services provided are supplied with your application process. You may also contact us at 07772118007 to request an official copy of the terms and conditions that pertain to your account. In addition, certain portions of this Website are subject to additional disclosures and disclaimers.

You agree that (i) you will not engage in any activities related to the Website that are contrary to applicable law, regulation or the terms of any agreements you may have with FuturePay; (ii) in circumstances where locations of the Website require identification, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals; (iii) you will not use any device, software, routine, file or other tool or technology, including but not limited to any viruses, trojan horses, worms, time bombs or cancelbots, intended to damage or interfere with the proper working of this Website or to surreptitiously intercept or expropriate any system, data or personal information from this Website; and (iv) you will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure, including but not limited to denial of service attacks, “spam” or any other such unsolicited overload technique.

Michael Kalisperas and co reserves the right to discontinue, make changes in the information, products or services described herein at any time without prior notice. FuturePay reserves the right to terminate any or all Website offerings without prior notice to the user. No solicitation or distribution is made by FuturePay to any person to use the website or such information, products or services in jurisdictions where the provision of the website and such information, products or services is prohibited by law.


Access to the Website may from time to time be unavailable, delayed, limited or slowed due to any cause beyond the control of Partners.

Limited Liability