Of Use

1. Acceptance of Terms

By accessing or using PayOS products and services, you agree to be bound by these Terms of Use. If you do not agree, please do not use our services.

2. About PayOS

PayOS provides payment technology services in partnership with licensed financial institutions. We do not operate as a bank.

3. Eligibility

You must be at least 18 years old and legally capable of entering binding agreements to use our services.

4. Use of Services

You should:

• Provide accurate and complete information
• Use the platform for lawful purposes only
• Comply with applicable laws and regulations
• Not misuse or attempt to disrupt our systems

5. Merchant Responsibilities

Merchants are responsible for:

• Complying with payment regulations
• Accurate transaction details
• Customer transactions and refunds
• Maintaining business licenses

6. Fees & Charges

Applicable fees will be disclosed before transactions or subscriptions. Fees may vary based on product or plan.

7. Suspension & Termination

We reserve the right to suspend or terminate access if:

• Terms are violated
• Fraudulent activity is detected
• Required by law or regulatory authorities

8. Limitation of Liability

PayOS shall not be liable for indirect, incidental, or consequential damages arising from the use of our services.

9. Intellectual Property

All content, trademarks, and software on the platform belong to PayOS or its licensors.

10. Governing Law

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

11. Contact