1. Acceptance of Terms
By accessing and using Paylo's services, you accept and agree to be bound by these terms.
These Terms of Service ("Terms") govern your use of Paylo's website, applications, and services (collectively, the "Service"). By creating an account or using our Service, you agree to these Terms. If you do not agree, please do not use our Service.
2. Description of Service
Paylo provides a comprehensive platform for managing your financial needs.
Our Service includes but is not limited to:
- Account management and financial tracking
- Payment processing and transaction management
- Financial analytics and reporting
- Third-party integrations and API access
- Customer support and documentation
3. User Accounts and Registration
You must create an account to access certain features of our Service.
Account Requirements
- You must be at least 18 years old to create an account
- You must provide accurate and complete information
- You are responsible for maintaining account security
- You must notify us immediately of any unauthorized use
Account Responsibilities
- Keep your login credentials confidential
- Update your information when it changes
- Use the Service in compliance with applicable laws
- Respect other users and their data
4. Acceptable Use Policy
You agree to use our Service responsibly and in accordance with these guidelines.
Prohibited Activities
- Violating any applicable laws or regulations
- Transmitting malware, viruses, or harmful code
- Attempting to gain unauthorized access to our systems
- Interfering with or disrupting our Service
- Using the Service for fraudulent or illegal activities
- Reverse engineering or copying our software
5. Payment Terms
Information about billing, payments, and subscription fees.
Subscription Fees
- Fees are charged in Nigerian Naira (₦)
- Payment is due in advance for each billing cycle
- Prices may change with 30 days notice
- No refunds for partial months of service
Payment Processing
- We use secure third-party payment processors
- You authorize us to charge your selected payment method
- Failed payments may result in service suspension
- You are responsible for all taxes and fees
6. Data and Privacy
Your privacy is important to us. Please review our Privacy Policy.
Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Service, you consent to the collection and use of your information as described in our Privacy Policy.
7. Intellectual Property
Rights and ownership of content and intellectual property.
Our Rights
Paylo and its licensors own all rights, title, and interest in the Service, including all intellectual property rights. You may not copy, modify, or create derivative works of our Service.
Your Content
You retain ownership of content you submit to our Service. By submitting content, you grant us a license to use, store, and process that content to provide the Service.
8. Service Availability
Information about service uptime, maintenance, and availability.
We strive to maintain high service availability but cannot guarantee uninterrupted access. We may perform maintenance, updates, or experience unexpected downtime. We are not liable for any losses resulting from service interruptions.
9. Limitation of Liability
Important limitations on our liability to you.
To the maximum extent permitted by law, Paylo shall not be liable for any indirect, incidental, special, or consequential damages. Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim.
10. Termination
How these Terms can be terminated by either party.
Termination by You
You may terminate your account at any time by contacting our support team or using account settings.
Termination by Us
We may suspend or terminate your account for violation of these Terms, non-payment, or other reasonable business reasons.
11. Governing Law
These Terms are governed by Nigerian law.
These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes shall be resolved in the courts of Lagos State, Nigeria.
12. Changes to Terms
How we may modify these Terms of Service.
We reserve the right to modify these Terms at any time. We will notify you of material changes via email or through our Service. Continued use after changes constitutes acceptance of the new Terms.
13. Contact Information
How to reach us with questions about these Terms.
Email: legal@paylo.com
Address: Lagos, Nigeria
Phone: +234 XXX XXX XXXX