Terms & Conditions

1. Acceptance of Terms

By accessing or using Pico Exchange’s website, mobile services, or any digital products we provide, you agree to comply with these Terms & Conditions. These terms apply to all users including visitors, clients, partners, and any entity interacting with our services. Continued use of our platform indicates your acceptance of all conditions. If you do not agree, you must stop using our website and services immediately.

2. Services Provided

Pico Exchange offers digital solutions including low-code development, Micro-SaaS product creation, FinTech applications, IoT app development, UI/UX design, maintenance, and AI-driven tools. All services are customized per client requirements and may be modified, updated, or discontinued at our discretion in accordance with U.S. and California laws.

3. Client Responsibilities

Clients must provide accurate project details, required access, and timely feedback. Any delays caused by incomplete or late information may affect delivery timelines. Clients are responsible for reviewing deliverables and requesting changes during the revision period. Pico Exchange is not responsible for issues arising from client-provided content or third-party materials.

4. Payments & Billing

Payments must be made according to the agreed proposal or contract. Work begins only after the initial deposit is received. Remaining payments are due at milestone completion. Missed or delayed payments may result in project suspension. All fees are non-refundable unless explicitly mentioned in writing.

5. Intellectual Property Rights

After full payment, clients receive rights to the final delivered product unless stated otherwise. Pico Exchange retains ownership of proprietary tools, internal frameworks, code components, and templates used during development. Unauthorized resale, duplication, or redistribution is strictly prohibited under California copyright law.

6. Third-Party Tools & Integrations

Some services may involve third-party APIs, hosting providers, or external platforms. Pico Exchange is not responsible for downtime, failures, price changes, or policy shifts made by third-party providers. Clients must comply with the respective terms of any third-party tools integrated into their project.

7. Limitation of Liability

Pico Exchange is not liable for indirect or consequential damages, including loss of revenue, data, or business interruptions. Our liability is limited solely to the amount paid by the client for the specific project, as permitted under California law.

8. Confidentiality & Data Protection

All client information shared with Pico Exchange is treated as confidential and used only for project purposes. We do not disclose information to third parties unless legally required. Clients must ensure any data they provide complies with California privacy regulations and general data protection standards.

9. Project Timelines & Revisions

Delivery timelines are estimates based on project scope. Additional features, major revisions, or changes requested after approval may incur extra charges. Delays caused by client inaction, missing materials, or external dependencies are not grounds for refunds or penalties.

10. Termination of Services

Both parties may terminate the project through written notice. Clients must pay for all completed work and ongoing milestones. Pico Exchange may terminate services in cases of non-payment, policy violation, misuse of services, or breach of terms.

11. Governing Law

These Terms & Conditions are governed by the laws of the State of California and applicable federal laws of the United States. Any disputes will be handled exclusively in California courts. By using our services, you agree to this legal jurisdiction.

12. Updates to Terms

Pico Exchange may update these Terms & Conditions at any time to comply with California regulations and company policies. Continued use of our services after updates indicates your acceptance of the revised terms. Users are encouraged to review this page periodically.