Terms and Conditions

Last updated October 28, 2026 · Belmont Labs Inc.

These Terms and Conditions are the agreement between you and Belmont Labs Inc. ("Belmont Labs", "we", "us") for the Pawnace mobile applications, the pawnace.com website and the services behind them (together, "Pawnace"). Please read them. Section 5 contains the disclosures about paying over time.

1. Agreement

By creating an account, downloading or using Pawnace, or paying a bill through it, you agree to these Terms and to the Privacy Policy. If you do not agree, do not use Pawnace. You must be at least 18 years old and able to enter a binding contract. If you use Pawnace for a veterinary clinic, you confirm you are authorized to bind that clinic to Section 8.

2. What Pawnace is

Pawnace is a payment platform for veterinary bills. A participating veterinary clinic builds a bill in the Pawnace clinic app and sends it to a pet parent by text message. The pet parent pays the bill in the Pawnace app by card, or applies to pay it over time with Sunbit. The clinic is paid when it enters the pet parent's six-digit confirmation code.

Payments are processed by Stripe, Inc. ("Stripe"). Clinics receive funds in their own Stripe accounts under Stripe's Connected Account Agreement. Belmont Labs does not hold pet parents' or clinics' funds.

3. Your account

You need an account to pay bills. Give accurate information and keep it current. You are responsible for everything done with your account and for keeping your password, device and any Face ID or Touch ID unlock secure. Tell us at once at support@towfiapp.com if you think your account has been used without permission. We may suspend or close an account that breaks these Terms, is used for fraud, or that we are required to close by law or by a payment partner.

You can delete your account at any time from Settings in the app or by emailing us; see Delete your account.

4. Bills, codes and card payments

4.1 Bills

A bill is prepared by the clinic, and the clinic alone is responsible for its contents, including the services listed, the prices and any tax. If a bill is wrong, the clinic can cancel it and send a corrected one; the original is then void and anything you paid or applied for on it is released.

4.2 Your six-digit code

When you pay or are approved, Pawnace shows you a six-digit code for that bill. Reading it to the clinic is how you confirm the payment. Treat the code like cash: anyone who gives it to the clinic can complete the payment. A code works only for its own bill.

4.3 Card payments

When you pay by card, Pawnace places an authorization hold for the amount shown. Your card is charged only when the clinic enters your code. If the code is not entered within 24 hours, the hold is released; your bank may take several days to remove it from your statement. By adding a card you confirm you are allowed to use it.

5. Paying over time with Sunbit

5.1 Sunbit is the lender

Pay-over-time plans offered in Pawnace are provided by Sunbit. Loans are made by Transportation Alliance Bank, Inc. dba TAB Bank, a Utah-chartered bank. Sunbit Now, LLC (NMLS ID 1760582) services the plans and is not the lender. Sunbit makes every credit decision. Belmont Labs has no part in approving, denying, pricing or servicing a plan and receives no part of the interest.

5.2 Eligibility and amounts

Pay over time is offered on bills of $60.00 or more, up to Sunbit's limits, and only where the clinic's account is set up for it. Approval is not guaranteed. Sunbit may decline, or approve a different amount or term, and is not required to give Belmont Labs a reason.

5.3 Rates and terms

Sunbit shows you the annual percentage rate, the term, the number of payments and the payment amount before you accept a plan. Rates are currently up to 35.99% APR; terms are currently 3, 6, 12 or 18 months. The first payment is due at checkout by debit card; remaining payments are made to Sunbit under its agreement with you. There is no prepayment penalty. Pawnace never shows, quotes or stores your rate; only Sunbit does.

5.4 Credit check and authorizations

When you tap to apply, you authorize Sunbit and TAB Bank to obtain consumer reports about you, verify your identity and the information you give, and contact you about your application and plan. Sunbit uses a soft inquiry to decide, which does not affect your credit score. Your payment history on a plan may be reported to credit bureaus by the lender in the ordinary way.

5.5 Your agreement with Sunbit

The plan is a contract between you and the lender under Sunbit's terms, which you accept on Sunbit's pages. These Terms do not change it. For anything about an existing plan, contact Sunbit: 1-855-678-6248 or mysunbit.com.

5.6 State notices

California residents: loans are made by TAB Bank, a Utah-chartered bank, under federal and Utah law. Questions or complaints: California Department of Financial Protection and Innovation, (866) 275-2677, dfpi.ca.gov. Texas residents: Office of Consumer Credit Commissioner, (800) 538-1579. All states: your plan is governed by the laws stated in your agreement with the lender, and rates are subject to applicable state limits.

6. Pawnace's fee

Pawnace charges the pet parent one fee for each bill paid through the app. It is made up of the payment processor's cost for moving the money (currently 6% plus 30 cents of the amount for a Sunbit plan, and 2.9% plus 30 cents for a card payment) and Belmont Labs' platform fee of 2.9% of the amount paid or financed. The fee is shown in dollars, as its own line, before you choose how to pay, and it is added to the clinic's total. The clinic's total is paid to the clinic in full. The fee is earned when the clinic enters your code and is refundable only as described in Section 7. We may change the fee for future bills; the fee shown on a bill is the fee for that bill.

7. Cancellations and refunds

7.1 Before the code is used

You can cancel a card payment or a Sunbit plan from the bill in the app at any time before the clinic enters your code. A card hold is released and a Sunbit plan is voided; nothing is owed and no fee is charged. A Sunbit plan the clinic has not redeemed within 24 hours of approval is cancelled automatically for the same result. The clinic can also cancel a bill before the code is used, with the same effect.

7.2 After the code is used

Once the clinic enters your code, the clinic has been paid and the payment or plan is final between you and the clinic or the lender. Questions about the care provided or the amount billed are between you and the clinic. If the clinic agrees to refund all or part of a bill, it issues the refund through Pawnace and your card payment or Sunbit plan is reduced or cancelled accordingly. Belmont Labs does not issue refunds for veterinary care and does not decide disputes between pet parents and clinics. Pawnace's fee is refunded only when a clinic refunds a bill in full.

8. Clinic terms

These additional terms apply to a veterinary clinic or other animal-care business ("Clinic") that uses the Pawnace clinic app.

• Accurate bills. The Clinic is solely responsible for every bill it sends: the services, prices, tax and the pet parent's mobile number. The Clinic will not send a bill for services not provided or agreed, and will cancel and resend a bill that is wrong.
• Codes. The Clinic will enter a pet parent's code only for that pet parent's bill and only once the pet parent has given it. Entering a code is the Clinic's confirmation that the bill is correct and the services were provided.
• Payouts. Funds are paid to the Clinic's own Stripe connected account. The Clinic must complete Stripe's onboarding, keep its information current and comply with Stripe's Connected Account Agreement and Sunbit's merchant requirements where pay over time is enabled. Belmont Labs does not hold the Clinic's funds and is not responsible for Stripe's or the Clinic's bank's timing.
• Pay over time. Where a Clinic's account is enabled for Sunbit, Sunbit pays the Clinic in full for approved plans and the pet parent repays Sunbit. The Clinic will not add a surcharge for pay over time, will not steer pet parents to it against Sunbit's rules, and will not describe Pawnace or itself as a lender.
• Refunds and disputes. The Clinic handles refunds for its own services and issues them through Pawnace so that the pet parent's payment or plan is adjusted. The Clinic is responsible for chargebacks and disputes on its bills and authorizes Belmont Labs and Stripe to recover disputed amounts and related fees from its connected account.
• Fees. There is no subscription. Belmont Labs' revenue is the fee paid by the pet parent described in Section 6; the Clinic receives its bill total. Any clinic-side fees will be stated in the clinic app before they apply.
• Pet parent information. The Clinic may use pet parents' information from Pawnace only to provide care and to handle the bill, and will protect it under applicable law.
• Term. Either side may end the Clinic's use of Pawnace at any time; open bills must be paid or cancelled first. Sections 7, 8, 10, 11, 12 and 13 survive.

9. Acceptable use

You agree not to: use Pawnace for anything other than paying or sending bills for animal care; use a card, identity or code that is not yours; send bills for services not provided; interfere with, reverse engineer, scrape or probe Pawnace or its servers; upload malicious code; harass clinic staff, pet parents or our team; or use Pawnace in any way that breaks a law, a card-network rule or a partner's terms.

10. Ownership

Pawnace, its apps, software, servers, designs, the PAWS assistant and the Pawnace name and marks belong to Belmont Labs Inc. and are protected by copyright, trademark and other laws. You get a limited, personal, non-transferable licence to use the apps for their intended purpose and nothing more. Content you upload, such as pet photos and documents, stays yours; you give us the licence needed to store and display it to provide the service.

11. Disclaimers

Pawnace is provided "as is" and "as available". To the fullest extent the law allows, Belmont Labs disclaims all warranties, express or implied, including fitness for a particular purpose and non-infringement. We do not warrant that Pawnace will be uninterrupted or error-free, that a clinic will accept a code, that a bill is correct, or that Sunbit will approve an application. Belmont Labs is not responsible for veterinary care, for a clinic's prices or conduct, for a lender's decisions, or for the acts of Stripe, Sunbit, TAB Bank, card networks, banks or mobile carriers.

12. Limitation of liability

To the fullest extent the law allows, Belmont Labs and its officers, directors, employees and contractors are not liable for indirect, incidental, special, consequential or punitive damages, or for loss of profits, data or goodwill, arising from Pawnace or these Terms. Our total liability for any claim is limited to the Pawnace fees you paid in the twelve months before the claim, or $100, whichever is greater. Some states do not allow some of these limits; in those states they apply to the extent permitted.

13. Disputes and governing law

These Terms are governed by the laws of the State of Washington, without regard to its conflict-of-law rules, except that disputes about a Sunbit plan are governed by your agreement with the lender. Before filing a claim, contact us at support@towfiapp.com and give us 30 days to resolve it. Any dispute that is not resolved will be settled by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, in Clark County, Washington, or by video, except that either side may bring an individual claim in small-claims court. You and Belmont Labs each waive the right to a jury trial and to participate in a class action. You may opt out of arbitration by emailing us within 30 days of first accepting these Terms with the subject "Arbitration opt-out".

14. Changes

We may change these Terms. When we do, we will post the new version here with a new date and, for material changes, tell you in the app or by email before they take effect. Using Pawnace after the change means you accept it. If you don't, stop using Pawnace and delete your account.

15. Contact

Belmont Labs Inc.
27308 NE 46th Street, Camas, Washington 98607
support@towfiapp.com