PayTag Terms of Service

Version 2026-09-25 · beta. Plain language on purpose. If something here is unclear, ask us before you rely on it.

Who we are: PayTag (pay-tag.com) is operated by VerifyMedCodes OP LLC. That is the name on your card statement and on Stripe's checkout unless we show the Pay-Tag name there.

1. What PayTag is

PayTag turns a description into a small tool you can use on your phone and share when you choose: a task list, a scoreboard, an order board, a schedule. It keeps your rows, runs the rules you agreed to, and lets an AI you already use (or ours, Tag) work inside your account as you. PayTag is in beta: it works, it is watched, and it will change.

2. Your account

You must be 18 or older, or use PayTag with a parent or guardian.
Keep your password to yourself. What happens under your sign-in is yours.
One account per person or business. You may invite crew or another owner from inside the app.
We may suspend an account that breaks these terms or harms other people or the service.

3. Your data is yours

Rows, tools, stories, menus, messages and files you put in PayTag belong to you. We use them only to run PayTag for you.
We do not sell your data and we do not use it to train AI models.
You can remove a tool at any time from its own page. Account deletion and a full export are on the way; until then, ask and we will do it by hand.
What you put in is your responsibility. You decide what goes into your tables, and you confirm you have the right to hold it — a guest list, a customer file, a statement. We do not read your private data and we do not vouch for it. If it is other people's personal data, you are the one who collected it, and their questions about it come to you.

4. AI in your account

When you ask Tag, or connect your own AI (Claude, ChatGPT and the like) to PayTag, your request and the data needed to answer it are sent to an AI provider to produce the answer. Providers we use process it under their own terms and do not keep it to train on, as far as their published policies state.
A connected AI acts as you: it can read every table, add and change rows, make and change tools, change your public menu and send texts, with a receipt for every change and undo. You can revoke it at any time under Connect → AI keys.
Beta allowance: up to 200 AI requests a day and 2,500 a month per account. Past that, PayTag says so and waits for the next day or month. We may raise or lower these limits with notice in the app.
Pace: an account may make up to 90 calls a minute through a connected AI and write up to 5,000 rows an hour; past that PayTag refuses plainly and says when it clears. We keep one daily ceiling on AI use across all accounts so that one runaway day cannot take the service down for everyone.
AI answers can be wrong. Rules the kit enforces are enforced; anything marked "not enforced" is a reminder, not a guarantee. Check money, dates and messages before you act on them.

5. Texting

Texts sent through PayTag's number carry a beta allowance of 300 a month and 60 a day per account, which you can change in the app within limits we set. If you connect your own Twilio account, their terms and pricing apply.
You are responsible for having permission to text the people you text. Anyone who texts STOP will not be texted again by PayTag until they text START, and you cannot override that.
No spam, no scams, no texts to people who did not ask to hear from you.

6. Sharing and templates

A tool is private until you share it: by the QR you show, or by its link. People who join see only that tool's pages, as themselves.
If you list a tool as a template, its pages and rules become public and anyone can copy them onto their own account. Your rows and your people never go with it. We may unlist a template that is misleading, harmful or infringing.

7. Payments

PayTag can record orders and payments and connect to payment processors you set up (Square, Stripe, PayPal, XRPL). Those processors hold the money and their terms apply. PayTag never takes a payment on its own: a tool never charges anyone.

PayTag's own plan

Free trial: every new account gets three days with 100 AI credits (a credit is one AI-assisted request — a question to Tag, a plan, a tool made or changed). No card is needed for the trial.
After the trial: PayTag is $20 a month, billed by Stripe to the card you add. If you add the card during the trial, the first charge is at the trial's end; after the trial, the first charge is when you subscribe. It renews monthly until you cancel.
Cancel anytime from Manage billing (Stripe's customer portal). You keep access until the end of the period you paid for. We do not refund partial months.
If you do not subscribe, your account goes read-only: your data stays, you and your AI can read it and export it, and building and writing wait for a plan. We never delete your data for non-payment.
If a charge fails, everything keeps working for seven days while you fix the card; then the account goes read-only until it clears.
Prices may change with 30 days' notice in the app and by email; a change never applies to a period you already paid for.

8. What you may not do

Break the law, or help someone else do it.
Put other people's private data in PayTag without the right to.
Use PayTag to threaten, harass, stalk or expose anyone: no doxing, no hit lists, no content meant to hurt a person or to be released to hurt them.
Store or share content that is illegal to possess, or material that sexually exploits children — this we remove and report, without discussion.
Probe, overload or attack the service, or try to reach another account's data.
Resell PayTag or pass it off as your own.

We do not go looking through private data. When something is reported to us or we come across it, we may remove it, unpublish a page, and suspend or end the account, keeping a record of what was there and when. We answer valid legal process (a subpoena, a court order, a lawful request from law enforcement) and we may tell the authorities when the law requires it or when someone is in danger.

8a. Not advice

PayTag and the AI that works in it give you tools and numbers, not advice. Nothing here is tax, legal, financial, medical or investment advice, and a total in a table is only as right as what went into it. Check money, dates and messages before you act on them, and ask a professional for the decisions that need one.

8b. Linked banks and financial data

When you link a bank through Plaid, PayTag stores your transactions and balances in a table in your account, like any other rows, so your AI and your rules can use them. Plaid gives PayTag read-only access: PayTag cannot move money, pay anyone or change anything at your bank, and we never ask for or store your bank sign-in.
Linking a bank is your choice and your say-so that those transactions may live in your account. Unlink it from Connections and PayTag removes the link at Plaid and deletes the rows.
Plaid's own privacy policy governs what Plaid does with your data; ours governs what we do.

8c. Your responsibility to us

If a claim is made against us because of what you put into PayTag or what you did with it — a list you had no right to hold, a message you sent, a page you published — you agree to cover our costs of dealing with it, including reasonable legal fees, to the extent it came from your content or your use.

9. Beta means beta

PayTag is provided as is, without warranties. We back up data and watch for errors, but we cannot promise it will never be down or never lose anything. Our liability to you is limited to what you paid us in the last three months, which during the beta is nothing. Please keep your own copy of anything you cannot afford to lose.

10. Changes and ending

We will change these terms as PayTag grows. A change in substance gets a new version date and a note in the app; keeping your account after that means you accept it. You can stop using PayTag at any time; we can end the beta or your access with reasonable notice, and we will give you your data first.

11. Contact

Questions, problems, or a request to delete or export your data: support@pay-tag.com. To report a public page or content that breaks these terms: abuse@pay-tag.com. Both reach a person.