Who we are
payxem.shop is powered by Payxem Digital Portal, a Dubai
mainland company licensed by the Department of Economy and
Tourism, Dubai, UAE, with support from affiliated partners across
the regions we serve.
In these terms, we and us mean Payxem. You mean the person using
the site.
What payxem.shop is
payxem.shop is an online shop for digital products, run by Payxem
Digital Portal.
We set the price, take the payment and deliver the file. Copyright
in a product stays with whoever created it, and buying a product
gives you the licence set out below rather than ownership of the
work.
Everything sold here is a digital file. Nothing physical is shipped.
Payxem is not a bank, a licensed financial institution or a payment
processor. Card payments are handled by our third party payment
provider, TagadaPay.
How these terms fit with Payxem's
If you hold a Payxem account, the
Payxem terms of service
govern that account, your wallet and your payouts. These terms
cover this shop itself.
Where the two overlap, the Payxem terms govern anything to do with
your account, balances and withdrawals, and these terms govern
buying, products, reviews and refunds on payxem.shop.
Who can use the shop
You must be at least 18 years old, or the age of legal majority
where you live if that is higher, to buy on payxem.shop. Browsing
is open to anyone, but the products here are sold for adult and
business use.
You may not use the shop if you are subject to sanctions
that would prevent us from dealing with you, or if we have
previously closed your account.
Accounts and security
You need a Payxem account to complete a purchase. Creating one
takes a name and email address, and the same account works for
buying and selling on payxem.shop.
You sign in with a one-time code rather than a password. You are
responsible for keeping access to your email and account private
and for anything done through your account. Tell us straight away
if you think someone else has access to it.
You must give us an email address you actually control. Your
purchase and any refund correspondence are tied to it, so an
address with a typo can stop you reaching the purchase later.
Account and order email may come from a Payxem no-reply address.
Those addresses are not monitored, so send anything you actually
want answered to [email protected].
Nobody from Payxem will ever email you asking for a password, PIN
or your full card number.
Buying and paying
- All prices are shown in US dollars.
- You pay the price on the listing and nothing else. There is no buyer fee, no service charge added at checkout and no surcharge for paying by card.
- Some listings show a reference price with a line through it beside the current price. That is the product's stated full price, shown for comparison. The amount you are charged is always the price without the line through it.
- Taxes, if any apply to you, are shown before you confirm.
- Your card issuer may charge you for a currency conversion. That charge is theirs, not ours.
- A purchase is complete when payment is confirmed. Until then, nothing is reserved and no file is released.
- We may decline or cancel an order where payment fails, where fraud is suspected, or where the listing turns out to breach our rules. If we cancel after taking payment, you are refunded in full.
Delivery and downloads
Delivery is instant. As soon as payment is confirmed you get a
download link.
- Each download link shown after payment is single use and expires 30 minutes after it is issued.
- Each order allows up to 5 downloads. If you run out for a genuine reason, write to us and we will raise the limit or reissue the link.
- Paid files are stored privately. They are released only against a real purchase, never left on a public link.
- We log the download so that a delivered order can be evidenced. See the privacy policy.
Keeping your purchases
Every purchase is tied to the account used at checkout. Keep the
payment confirmation page open until you have downloaded the file.
If a link expires or the confirmation page is lost, contact us
from the email address on that account. We can verify the order
and issue another link within the download limit.
If delivery fails and reissuing does not fix it, you are entitled to
a refund under the returns and refunds policy.
What you may do with a file you bought
Buying a product on payxem.shop buys you a licence to use it. It
does not transfer ownership of the work, and it does not give you
the right to sell it on.
Unless the listing says otherwise, you may
- Use the file for yourself, or inside your own business.
- Keep your own copies and backups.
- Edit, adapt or fill in a template for your own use.
- Use the output. A CV you built from a template, or a report from a calculator, is yours.
You may not
- Resell, relist, sublicence or give away the file itself.
- Upload it to a file sharing site, a group chat, a course or any other place people can get it from.
- Share your download link with anyone.
- Present the work as your own creation.
- Strip out a name, credit or licence text.
- Use it to build a competing product that is substantially the same file.
A listing may offer a wider licence, for example a commercial or
extended licence, on the listing itself. Where a listing states its
own licence terms, those terms apply on top of this section, and
anything the listing grants you is yours to use.
This licence lasts as long as you keep the product. It ends if the
purchase is refunded, or if we close your account for breaking
these terms.
Refunds
Refunds are governed by the
returns and refunds policy, which forms part
of these terms. In short, a downloaded file cannot be returned, so
there is no change of mind window, but we do refund a file that is
broken, undelivered, double charged or genuinely not as described,
on request within 48 hours.
That standard applies to every product in the shop. No listing
page carries a stricter rule of its own.
Reviews and ratings
A rating on this site is meant to tell you something true, so the
review system is deliberately narrow.
- Only a buyer who has actually paid for a product can review it. There is no way to leave a review without a completed purchase on record.
- One review per buyer per product. You can update yours, not stack them.
- A star average is calculated from the reviews on record. Nothing is seeded, estimated or filled in by us. A product with no reviews shows no stars at all, rather than a flattering placeholder.
- Reviews are shown with the buyer's first name and last initial. Your full name and email address are never published.
- If your purchase is refunded, your review for that product comes down with it.
What gets a review removed
- Abuse, harassment, discrimination or threats.
- Personal information about anyone, yours or someone else's.
- Advertising, referral links or a pitch for another product.
- Content that has nothing to do with the product, including complaints about a delivery problem we could have fixed.
- Anything paid for, incentivised or written by us.
We remove reviews under these rules and can suspend the accounts
involved. We will not remove a review simply because we disliked
it, and a rating cannot be paid for or edited to order.
You keep ownership of what you write. By posting it you allow us to
show it on the site and in search results.
Things you may not do here
- Buy with a card or account you are not authorised to use.
- Buy, download and dispute repeatedly, or otherwise abuse the refund process.
- Scrape, copy or republish the catalogue, listings, images or reviews.
- Try to reach a paid file without paying for it, or share a way for others to do so.
- Probe, overload or interfere with the site, its interfaces or its storage.
- Upload or transmit malware, or anything designed to damage a device.
- Impersonate another person or Payxem.
- Use the site to launder money, to fund anything illegal, or in breach of the laws that apply to you.
Copyright and takedown requests
We take copyright seriously, and we would rather hear from you than
have you find your work being sold here.
If you believe a product on payxem.shop infringes your copyright,
your trademark or another right you hold, email
[email protected] with
Copyright claim in the subject line and include:
- The link to the listing.
- What the work is, and evidence that you own it or act for the owner.
- Why you believe the listing infringes it.
- Your name and contact details.
- A statement that the information you have given is accurate.
We review claims and can unpublish a product while we do, and we
may reinstate it if the response settles the matter.
Every file is fingerprinted at upload, and a file already listed
here is refused. That stops the most straightforward kind of
duplicate listing before it reaches a takedown request.
Product descriptions and claims
Every product is reviewed by a person before it appears and nothing
goes live automatically, but a review is not a guarantee.
Nothing sold here is professional advice. A tax template, a visa
guide or a finance calculator is a working document, not a ruling.
Check anything that matters against the official source before you
rely on it.
If a listing is wrong, misleading or unsafe, tell us and we will
look at it. That is what the refund policy and the takedown process
are for.
Availability and changes
payxem.shop is a live shop. Browsing, account access and card
checkout are available. Features may change or be withdrawn as the
shop develops.
We do not promise the site will always be available or free of
errors. We may change, suspend or withdraw any part of it, and we
may add or remove products.
What we will not do is take away a file you have already bought.
If a product is withdrawn, your purchase stands and your access to
it stays. The only exception is a product removed because it
infringed somebody's rights or was unsafe, in which case we refund
you.
Liability
The shop is provided as is and as available.
We are not responsible for the quality, accuracy, legality or
fitness for your purpose of any product, beyond
the refund commitments we make in the
refunds policy.
We are not liable for losses caused by a third party payment
provider, by your own device or software, by loss of data outside
our reasonable control, or by your use of information contained in a
product you bought.
Where we are liable, our total liability for any order is limited to
the amount you paid for that order. Nothing here limits liability
that cannot be limited by the law that applies to you.
Suspension and closure
We may restrict, suspend or close access to the shop where
these terms are broken, where fraud or abuse is suspected, or where
a payment provider or the law requires it. Where it is reasonable to
do so, we tell you why.
You can stop using the shop at any time. Closing a Payxem
account is covered in the
Payxem privacy policy.
Governing law
These terms are governed by the laws of the Emirate of Dubai and
the applicable federal laws of the United Arab Emirates, and the
courts of Dubai have jurisdiction. Nothing here removes a
protection you have under the consumer law of the country you live
in.
Changes to these terms
We may update these terms. The date at the top of this page always
shows the current version, and continuing to use the shop
after a change means you accept it. For an order, the terms that
apply are the ones published on the day you bought.
