Terms of Service

1. Who we are

Pay4U is a financial technology platform that helps people and businesses in Nigeria organise income into purpose wallets, fund recurring debits and forecast cash-flow. Pay4U is not a bank. Regulated services such as account issuance, card issuance and payment processing are provided by licensed partners.

2. Demo mode

The current environment is a demonstration. Wallet balances, mandates, virtual cards, notifications and transactions are simulated. No live funds are received, held, allocated or disbursed, and nothing displayed should be relied upon as a record of a real payment.

3. Eligibility and your account

• You must be at least 18 years old and legally able to enter a contract.
• You must provide accurate registration information and keep it current.
• You are responsible for the security of your credentials and for activity on your account.
• You must tell us promptly if you suspect unauthorised access.

4. Wallets, allocation rules and mandates

Allocation rules, funding schedules and mandate settings are instructions you configure. You remain responsible for the accuracy of those instructions, for maintaining sufficient balance, and for the consequences of pausing, cancelling or under-funding a recurring debit.

5. Fees

Applicable fees are shown before you confirm an action and in your plan settings. We will give reasonable prior notice of fee changes. Third parties such as banks, card schemes and billers may charge their own fees.

6. Acceptable use

You must comply with our Acceptable Use Policy and all applicable Nigerian law, including anti-money laundering and sanctions requirements. We may suspend or restrict access where we reasonably suspect fraud, illegality, or a risk to other users or to the platform.

7. Service availability

We aim for high availability but do not guarantee uninterrupted service. Maintenance, provider outages and network failures can delay payments. We will communicate material incidents through in-app notifications and, where enabled, WhatsApp or email.

8. Intellectual property

Pay4U and its logos, interface designs, and software are owned by Pay4U or its licensors. You receive a limited, non-exclusive, non-transferable licence to use the platform for its intended purpose.

9. Liability

To the maximum extent permitted by law, Pay4U is not liable for indirect or consequential loss, including lost profits or lost business opportunity. Nothing in these terms excludes liability that cannot lawfully be excluded, such as liability for fraud.

10. Suspension and termination

You may close your account at any time. We may suspend or terminate access for breach of these terms, legal or regulatory requirements, or unmanageable risk. On termination we retain records for the periods required by law.

11. Governing law

These terms are governed by the laws of the Federal Republic of Nigeria, and disputes are subject to the process in our Complaints & Dispute Resolution policy before escalation to the Nigerian courts.

12. Contact

Questions about these terms: legal@pay4u.example.