Terms and Conditions

Effective Date: May 18, 2026

Welcome to SafePay Africa. These Terms and Conditions (“Terms”) govern your access to and use of our digital payment gateway services, website, mobile applications, and related services (collectively, the “Services”).

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you must discontinue use of the Services immediately.

1. Definitions

• “SafePay Africa”, “we,” “our,” or “us” refers to SafePay Africa.

• “User,” “you,” or “your” refers to any individual or entity using our Services.

• “Merchant” refers to businesses using our platform to receive payments.

• “Services” refers to all payment processing, gateway, and related solutions provided by SafePay Africa.

2. Eligibility

To use our Services, you must:

• Be at least 18 years old;

• Have the legal capacity to enter into binding agreements;

• Provide accurate and complete registration information.

We reserve the right to refuse or terminate access to any user at our discretion.

3. Account Registration

You may be required to create an account to access certain Services. You agree to:

• Maintain accurate account information;

• Keep your login credentials secure;

• Notify us immediately of unauthorized access or suspicious activity.

You are responsible for all activities conducted through your account.

4. Use of Services

You agree to use our Services only for lawful purposes and in compliance with applicable laws and regulations.

You must not:

• Use the platform for fraudulent or illegal activities;

• Attempt unauthorized access to our systems;

• Interfere with platform security or operations;

• Use the Services to transmit harmful software or malicious content.

5. Payment Processing

SafePay Africa facilitates payment transactions between parties. By using our Services, you acknowledge that:

• Transactions may be subject to verification and security checks;

• Processing times may vary depending on banks, financial institutions, or third-party providers;

• We may suspend or reject transactions suspected of fraud or regulatory violations.

6. Fees and Charges

Certain Services may be subject to transaction fees or service charges. Applicable fees will be communicated before processing transactions.

You authorize us to deduct applicable fees from processed transactions where permitted.

7. Refunds and Chargebacks

Refunds and chargebacks are subject to:

• Applicable laws and regulations;

• Card network and financial institution rules;

• Our internal review and compliance procedures.

We reserve the right to investigate disputes and temporarily withhold funds during investigations.

8. Intellectual Property

All content, trademarks, logos, software, and materials associated with SafePay Africa are owned by or licensed to us and are protected by intellectual property laws.

You may not reproduce, distribute, modify, or exploit any part of our Services without prior written permission.

9. Privacy

Your use of the Services is also governed by our Privacy Policy. By using our Services, you consent to the collection and use of information as described in the Privacy Policy.

10. Service Availability

We strive to maintain uninterrupted Services but do not guarantee continuous availability. We may:

• Suspend Services for maintenance;

• Modify or discontinue features;

• Restrict access due to security or legal concerns.

We are not liable for delays, interruptions, or system failures beyond our control.

11. Limitation of Liability

To the fullest extent permitted by law, SafePay Africa shall not be liable for:

• Indirect, incidental, or consequential damages;

• Loss of profits, revenue, or data;

• Unauthorized access caused by user negligence;

• Delays or failures caused by third-party providers or force majeure events.

Your use of the Services is at your own risk.

12. Indemnification

You agree to indemnify and hold harmless SafePay Africa, its affiliates, employees, and partners from any claims, liabilities, damages, losses, or expenses arising from:

• Your use of the Services;

• Violation of these Terms;

• Breach of applicable laws or third-party rights.

13. Termination

We may suspend or terminate your access to the Services at any time if:

• You violate these Terms;

• We suspect fraudulent or illegal activity;

• Required by law or regulatory authorities.

Termination does not remove obligations or liabilities incurred before termination.

14. Governing Law

These Terms shall be governed and interpreted in accordance with the applicable laws and regulations governing digital payment services in the jurisdictions where SafePay Africa operates.

15. Changes to Terms

We may update these Terms periodically. Updated versions will be posted with a revised effective date. Continued use of the Services after updates constitutes acceptance of the revised Terms.

16. Contact Information

For questions regarding these Terms and Conditions, contact: