VukaPay Terms & Conditions

1. Introduction
Welcome to VukaPay, a trusted payment service provider based in Nairobi, Kenya, serving businesses and individuals across 17 countries in Africa. By accessing or using VukaPay, you agree to comply with and be bound by these Terms and Conditions. Please read them carefully. If you do not agree to these terms, do not use VukaPay.

2. Use of the Service
Eligibility: To use VukaPay, you must be at least 18 years old and capable of forming a binding contract.
Account Registration: You must create an account to use VukaPay. You agree to provide accurate, current, and complete information during the registration process and to keep such information updated. You are responsible for safeguarding your password and any activities or actions under your account.
License: Subject to these Terms, we grant you a non-exclusive, non-transferable, revocable license to access and use VukaPay strictly in accordance with these Terms.

3. Prohibited Uses
You agree not to:

• Use VukaPay for any unlawful purpose or in any way that could harm us, our partners, or other users.

• Engage in fraudulent activities, including money laundering, financing terrorism, or processing illegal transactions.

• Attempt to gain unauthorized access to VukaPay’s systems or interfere with its functionality.

• Use VukaPay in any manner that could disrupt its services for other users.

4. Fees and Payment
Transaction Fees: VukaPay charges fees for processing payments, which will be clearly communicated on our platform.
Billing & Payments: Fees will be deducted automatically from transactions. Users are responsible for ensuring sufficient funds are available for transactions.
Refunds: Transaction fees are generally non-refundable except where mandated by applicable laws or policies.

5. Account Suspension & Termination
We may suspend or terminate your account without prior notice if:

• You violate these Terms.

• Your activities are deemed suspicious or fraudulent.

• Required regulatory compliance actions necessitate such a measure.
  Upon termination, your access to VukaPay services will cease immediately.

6. Limitation of Liability
To the fullest extent permitted by law, VukaPay, its affiliates, officers, directors, employees, or partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from:

• Your use or inability to use VukaPay.

• Unauthorized access to or use of our systems.

• Any interruptions, bugs, or cyber threats affecting VukaPay.

• Errors or inaccuracies in transaction processing.

7. Changes to the Terms
We reserve the right to update these Terms at any time. If a revision is material, we will provide at least 30 days' notice before the new terms take effect. Your continued use of VukaPay after updates constitutes acceptance of the revised terms.

8. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Kenya, without regard to conflict of law provisions.

9. Contact Us
For any questions or concerns regarding these Terms, please contact us at:
Email: support@vukapay.com
Phone: +254 713 872 580
Address: Nairobi, Kenya