⁠Introduction

ZyvaPay provides a digital payments platform that enables individuals and businesses to send, receive, and manage payments quickly, securely, and across borders (the “Services”).Accessing or using ZyvaPay Services constitutes agreement to these Terms of Service and the Privacy Policy. If these Terms are not accepted, access to ZyvaPay Services is not permitted.

Consent to Terms

Use of ZyvaPay Services confirms that users have read, understood, and agreed to be bound by these Terms, including any third-party agreements applicable to services used to provide the platform.

⁠General Conditions

Service access may be refused or suspended at any time, for any reason.Services may be modified, suspended, or discontinued at any time, with or without notice.Continued use after changes indicates acceptance of updated Terms.ZyvaPay is not liable for service interruptions, modifications, or discontinuance.

Services

ZyvaPay provides a platform for:Sending and receiving paymentsPaying merchantsConfiguring recurring payments for businessesService descriptions are subject to change. Availability and functionality may vary.

User Requirements

To use ZyvaPay:Users must be 18 years or older.Accounts must be registered with accurate and truthful information.Identity verification (“KYC”) may be required to prevent fraud and comply with regulations.User information must be kept accurate and up to date.

Transactions

Transactions are processed using the platform’s supported channels.Each transaction is assigned a unique ID for tracking.Receipts are provided via notifications, SMS, or email.Transaction limits comply with applicable regulations and fraud prevention measures.

User Content

Users are responsible for all content submitted via the platform.Content must not violate laws or third-party rights, and must be free from malware.ZyvaPay may remove objectionable content without liability.

Personal Information

See the Privacy Policy for details on how personal information is collected, used, and protected.

Disclaimers & Limitations of Liability

Services are provided “as is”, without warranties.ZyvaPay is not liable for indirect, special, or consequential damages, including loss of profits or business, arising from the use of the platform.No warranty is made regarding uninterrupted or error-free service.

Indemnity

Users agree to indemnify and hold harmless ZyvaPay and its affiliates, employees, agents, and partners from claims, losses, or damages arising from:Use of the ServicesViolation of these TermsFraudulent or illegal activity

Account Suspension or Termination

Accounts may be suspended or terminated for violations of these Terms.Users may close their account at any time via customer support.Remaining balances, if any, will be returned per instructions from ZyvaPay, subject to regulatory requirements.

Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria.

Changes to Terms

ZyvaPay may update these Terms at any time. Continued use constitutes acceptance of updates.

Contact Information

For support or inquiries:Email: support@zyvapay.comPhone: +234 701 XXX XXXX