Legal Notice

Terms of Service

Version 1 · Effective 16 October 2026

Terms of Service

Effective Date: 01 October 2026 Version: 1.0 Product: ChequePilot Provider: DesignMUSTER Technologies Territory: Worldwide

1. Introduction

These Terms of Service govern access to and use of ChequePilot, a software-as-a-service platform operated by DesignMUSTER Technologies.

By creating an account, accessing the Service, purchasing a subscription, accepting these Terms electronically, or using any ChequePilot feature, you agree to be bound by these Terms.

If you do not agree to these Terms, you must not access or use the Service.

2. Service Provider

ChequePilot is provided by DesignMUSTER Technologies.

ChequePilot is a software platform only and is not:

A bank
A financial institution
A cheque-clearing authority
A payment processor
A law firm
An accounting firm
A tax adviser
A financial adviser
A regulatory body

3. Nature of the Service

ChequePilot may provide software features including:

Cheque preparation
Cheque data entry
Cheque templates
Bank record management
Payee management
Cheque register
Batch import
Printer profiles
Print placement
Printer calibration
Print preview
PDF generation
Cheque status management
Team and workspace management
Subscription management
Administrative tools
Other related features introduced from time to time

The exact features available to a user may depend on the selected subscription plan.

4. User Responsibility

The user is responsible for understanding how ChequePilot works and for using the Service carefully and appropriately.

Before issuing any cheque, the user must verify:

Payee or beneficiary name
Cheque number
Cheque date
Numeric amount
Amount in words
Currency
Bank account
Cheque template
Reference details
Memo or remarks
Signature
Stamp or seal
Printer settings
Physical page size
Cheque position
Cheque rotation
X and Y adjustments
Printer calibration
Final physical printed cheque

The user remains responsible for the accuracy, legality, authorization, and final use of every cheque created or printed with ChequePilot.

5. Printing Responsibility

ChequePilot provides tools to assist with cheque printing.

Printing output may vary depending on:

Printer model
Printer driver
Operating system
Browser
Paper size
Paper feed
Scaling
Printer margins
Custom media settings
Mechanical tolerances
Calibration
User configuration

DesignMUSTER Technologies does not guarantee that a cheque will print correctly on every printer without user verification and calibration.

The user must inspect the final physical cheque before signing, issuing, or delivering it.

6. Bank Acceptance

ChequePilot does not guarantee that any cheque will be accepted, processed, honoured, cleared, or paid by a bank or financial institution.

Banks independently determine whether a cheque meets their requirements.

DesignMUSTER Technologies has no control over a bank's decision to:

Accept
Reject
Return
Dishonour
Delay
Hold
Require replacement
Apply charges
Require additional verification

7. Account Registration

Users may be required to create an account to use ChequePilot.

Users must provide accurate information and keep account details current.

Users are responsible for:

Protecting passwords
Protecting login credentials
Controlling workspace access
Managing team permissions
Preventing unauthorized use
Reporting suspected account compromise promptly

8. Account Security

Users must take reasonable steps to secure their accounts, devices, browsers, email accounts, and workspace access.

DesignMUSTER Technologies may suspend access where it reasonably believes that an account is compromised, abused, or used unlawfully.

9. Acceptable Use

Users must not use ChequePilot to:

Create fraudulent cheques
Create unauthorized cheques
Impersonate another person or company
Use signatures without authorization
Use stamps or seals without authorization
Commit fraud
Facilitate money laundering
Violate banking rules
Violate applicable laws
Access accounts without permission
Bypass security controls
Introduce malware
Attack or interfere with systems
Attempt unauthorized access
Abuse APIs or infrastructure
Use the Service for unlawful activities

DesignMUSTER Technologies may suspend or terminate accounts where unlawful or abusive activity is reasonably suspected.

10. User Data

Users retain ownership of the business data they enter, upload, import, or create through ChequePilot, subject to the rights required for DesignMUSTER Technologies to provide the Service.

Users are responsible for ensuring that they have lawful authority to process, upload, store, and use the data they place into ChequePilot.

11. Data Accuracy

ChequePilot may display or process information supplied by the user.

DesignMUSTER Technologies does not independently verify every:

Payee
Bank
Account
Amount
Date
Currency
Cheque number
Template
Signature
Stamp
Imported record

The user remains responsible for verifying data accuracy.

12. Privacy

Personal information is handled according to the ChequePilot Privacy Policy.

Users must not upload personal or confidential information unless they are legally permitted to do so.

13. Security

DesignMUSTER Technologies uses reasonable technical and organizational safeguards intended to protect the Service and customer information.

However, no internet-connected system can guarantee absolute security.

Security risks may include:

Hacking
Cyberattacks
Malware
Credential theft
Phishing
Unauthorized access
Hosting failures
Network failures
Third-party system failures
Software vulnerabilities
Force majeure events

Responsibility for any security incident will be determined according to the facts and applicable law.

14. Third-Party Services

ChequePilot may rely on third-party providers for services including:

Cloud hosting
Databases
Authentication
Payment processing
Email
Networking
Storage
Monitoring
Analytics
Security
Domain services

DesignMUSTER Technologies is not responsible for interruptions or failures caused solely by third-party systems outside its reasonable control.

15. Subscription Plans

ChequePilot may offer subscription plans including Free, Pro, Advanced, or other plans introduced in the future.

Each plan may include different:

Feature access
User limits
Bank limits
Template limits
Cheque limits
Printer profiles
Batch Import access
Support levels
Other usage allowances

The current plan features and pricing shown by ChequePilot at the time of purchase form part of the subscription.

16. Free Plan

The Free plan may include limited functionality and usage limits.

DesignMUSTER Technologies may update Free-plan features or limits from time to time, subject to applicable law and any commitments already made to users.

17. Paid Subscriptions

Paid plans may be offered on monthly, annual, or other billing intervals.

Users agree to pay the charges shown at checkout.

Applicable taxes may be added where required.

18. Automatic Renewal

Where automatic renewal is enabled, the subscription may renew automatically at the selected billing interval unless cancelled before the next renewal date.

Users are responsible for managing cancellation before renewal.

19. 7-Day Money-Back Guarantee

Eligible first-time paid subscriptions are covered by a 7-day money-back guarantee.

The refund request must be submitted within seven calendar days from the date of the initial successful paid subscription transaction.

The guarantee is subject to:

Applicable law
Fraud prevention
Abuse controls
Payment-processor limitations
Recoverability of third-party charges
Taxes or fees that may not be refundable
Chargeback or payment-dispute status

Where approved, refunds are normally returned to the original payment method.

Nothing in this section limits any statutory right that cannot lawfully be excluded.

20. Cancellation

Users may cancel an auto-renewing subscription before the next renewal date.

Cancellation normally prevents future renewal.

Unless otherwise required by law or expressly stated, cancellation after the 7-day refund period does not automatically create a refund for an already completed billing period.

21. Failed Payments

If a payment fails, DesignMUSTER Technologies may:

Retry payment
Notify the user
Restrict paid features
Downgrade the account
Suspend paid services
Cancel the subscription

Any action will be subject to applicable law and the relevant subscription terms.

22. Plan Changes

Users may be able to upgrade or downgrade subscriptions.

A plan change may affect:

Feature access
Limits
Team members
Banks
Templates
Printer profiles
Batch Import
Reporting
Other plan-specific functionality

Billing treatment for upgrades or downgrades will follow the terms shown at the time of the change.

23. Pricing Changes

DesignMUSTER Technologies may change subscription prices from time to time.

Where required, reasonable notice will be provided before a new price applies to an existing renewing subscription.

24. Payment Processing

Payments may be processed by third-party payment providers such as Stripe.

ChequePilot may receive transaction references, payment status, subscription details, and limited billing information.

Full payment-card information may be handled directly by the payment provider.

25. Intellectual Property

ChequePilot software, code, design, branding, documentation, interfaces, workflows, features, and proprietary technology belong to DesignMUSTER Technologies or its licensors.

Users receive a limited, non-exclusive, revocable right to use ChequePilot according to these Terms.

Users may not:

Copy the software
Reverse engineer protected components except where legally permitted
Resell unauthorized copies
Remove intellectual-property notices
Misrepresent ownership
Use the platform to create a competing unauthorized clone

26. Feedback

Users may provide suggestions, ideas, or feedback.

Where legally permitted, DesignMUSTER Technologies may use such feedback to improve the Service without creating an obligation to compensate the user.

27. Service Availability

DesignMUSTER Technologies aims to maintain reliable service availability.

However, uninterrupted access is not guaranteed.

The Service may be affected by:

Maintenance
Updates
Hosting failures
Internet issues
Third-party outages
Cybersecurity events
Software bugs
Network failures
Force majeure
Events outside reasonable control

28. Maintenance

DesignMUSTER Technologies may perform planned or emergency maintenance.

Where practical, reasonable notice may be given for significant planned interruptions.

29. Backups

ChequePilot may maintain operational backups as part of its infrastructure.

However, users should maintain independent copies of important legal, financial, accounting, or business records.

The Service should not be treated as the sole archival system for legally critical data.

30. Suspension

DesignMUSTER Technologies may suspend access where reasonably necessary for:

Non-payment
Fraud
Abuse
Security risks
Violation of these Terms
Unlawful activity
Protection of users or systems

31. Termination

DesignMUSTER Technologies may terminate access where:

A serious breach occurs
Fraud is detected
Illegal use occurs
Security risk is unacceptable
Subscription obligations are not met
Continued service is legally prohibited

Users may also stop using the Service at any time, subject to subscription and billing obligations.

32. Printing & Cheque Use Disclaimer

Use of ChequePilot is also subject to the separate Printing & Cheque Use Disclaimer.

The user acknowledges that cheque printing, physical alignment, bank acceptance, printer setup, data accuracy, signatures, stamps, and final issuance remain subject to the responsibilities described in that document.

33. No Professional Advice

ChequePilot does not provide:

Legal advice
Banking advice
Financial advice
Accounting advice
Tax advice
Regulatory certification
Bank approval

Users should obtain independent professional advice where necessary.

34. Disclaimer of Warranties

To the maximum extent permitted by applicable law, ChequePilot is provided on an "as available" and "as is" basis.

DesignMUSTER Technologies does not warrant that:

The Service will always be uninterrupted
Every feature will always be available
Every defect will be corrected immediately
Every printer will be compatible
Every bank will accept every printed cheque
Every third-party service will remain available
User-entered data will be accurate
A cheque will clear successfully

Nothing in this section excludes warranties that cannot lawfully be excluded.

35. Limitation of Liability

To the maximum extent permitted by applicable law, DesignMUSTER Technologies and ChequePilot shall not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages.

This includes, without limitation:

Lost profits
Lost revenue
Lost business
Lost opportunity
Business interruption
Loss of goodwill
Loss of reputation
Loss or corruption of data
Bank charges
Returned-cheque charges
Late-payment charges
Penalties
Cheque rejection
Cheque dishonour
Printing errors
Alignment errors
Printer-configuration errors
User data-entry errors
Incorrect currency
Incorrect cheque amount
Incorrect date
Incorrect payee
Incorrect template
Unauthorized cheque issuance
Third-party outages
Bank decisions
Internet failures
Hosting failures
Printer-driver failures
Browser failures
Operating-system failures

36. Liability Cap

Where liability cannot lawfully be excluded, DesignMUSTER Technologies' total aggregate liability arising out of or relating to the Service shall, to the maximum extent permitted by applicable law, be limited to the total amount actually paid by the affected customer to ChequePilot during the three months immediately preceding the event giving rise to the claim.

Nothing in these Terms limits liability that cannot legally be limited or excluded.

37. Indemnification

To the extent permitted by applicable law, business users agree to indemnify and hold harmless DesignMUSTER Technologies and ChequePilot against third-party claims arising from:

Unauthorized cheque issuance
Fraudulent use
Unlawful use
User-entered data
User printing errors
Unauthorized signatures
Unauthorized stamps
Violations of bank requirements
Violation of applicable law
Violation of these Terms

38. Force Majeure

DesignMUSTER Technologies will not be responsible for delay or failure caused by events outside its reasonable control.

Such events may include:

Natural disasters
War
Civil disturbance
Government action
Cyberattacks
Major internet outages
Utility failures
Third-party infrastructure failures
Labour disputes
Other force majeure events

39. Worldwide Use

ChequePilot may be accessed from multiple countries.

Users are responsible for complying with applicable local laws, banking rules, commercial regulations, tax requirements, and data-protection obligations.

These Terms do not override any mandatory legal right that cannot lawfully be waived.

40. Electronic Acceptance

Users may accept these Terms electronically.

Acceptance may be recorded through:

Checkbox acceptance
Subscription process
Account creation
Continued use where legally effective
Version acknowledgement
Other electronic mechanisms

ChequePilot may retain audit records including:

User
Workspace
Version
Acceptance date
Timestamp
Relevant technical information

41. Changes to These Terms

DesignMUSTER Technologies may update these Terms from time to time.

Changes may be made because of:

Product updates
Legal requirements
Security changes
Regulatory requirements
New features
Business changes

Where required, users may be asked to accept a new version before continued use.

42. Severability

If any part of these Terms is found invalid or unenforceable, the remaining provisions remain effective to the maximum extent permitted by law.

43. No Waiver

Failure to enforce any provision immediately does not constitute a permanent waiver of that provision.

44. Assignment

Users may not transfer contractual rights under these Terms without permission where such restriction is legally permitted.

DesignMUSTER Technologies may assign its rights and obligations as part of a merger, restructuring, sale, or transfer of the business, subject to applicable law.

45. Governing Law

These Terms are intended for worldwide use.

Unless mandatory local law requires otherwise, the relationship between DesignMUSTER Technologies and the user will be governed by the applicable laws of the United Arab Emirates.

Mandatory consumer, privacy, contractual, or jurisdictional rights that cannot lawfully be excluded remain unaffected.

46. Disputes

Users should first contact DesignMUSTER Technologies to attempt to resolve any dispute in good faith.

Nothing in this clause removes any mandatory right to approach a court, regulator, consumer authority, data-protection authority, or other competent body where such right cannot legally be restricted.

47. Entire Agreement

These Terms, together with the documents incorporated by reference, constitute the agreement relating to use of ChequePilot.

48. Contact

ChequePilot DesignMUSTER Technologies

For legal, contractual, compliance, privacy, billing, or support enquiries, please use the official contact information published on the ChequePilot website.

END OF TERMS OF SERVICE

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