No warranties

This website is provided “as is” without any representations or warranties, express or implied. Apco Systems makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, Apco Systems does not warrant that:
– this website will be constantly available, or available at all; or
– the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind.

Limitations of liability

Apco Systems will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:
– to the extent that the website is provided free-of-charge, for any direct loss;
– for any indirect, special or consequential loss; or
– for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships,
– loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if Apco Systems has been expressly advised of the potential loss.


By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.

If you do not think they are reasonable, you must not use this website.

Other parties

You accept that, as a limited liability entity, Apco Systems has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against Apco Systems officers or employees in respect of any losses you suffer in connection with the website.

Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect Apco Systems officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as Apco Systems.

Unenforceable provisions

If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.

Refunds Policy

Apcopay encourages merchants and their clients to have a fair and unbiased refunds policy.

Apcopay does not handle the client’s funds but provides a service of technically connecting a merchant to a payments processor in view of processing a particular payment.

In the eventuality of a refund is being sought by a customer, Apcopay encourages the seller and customer to communicate directly in accordance with the seller’s refund policy to reach an amicable resolution.

This will reduce the possibility of eventual chargebacks which may result in a fine for both parties.

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