Flexy-Pay Terms of Service

Welcome to Flexy-Pay. These Terms of Service ("Terms") govern your access to and use of the Flexy-Pay platform, including our mobile application and website (collectively, the "Service"). By using Flexy-Pay, you agree to these Terms. Please read them carefully.

If you do not agree with any part of these Terms, please discontinue use of our Service immediately.

1. Acceptance of Terms

By creating an account or using the Flexy-Pay platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. You also affirm that you are at least 18 years old or have reached the age of majority in your jurisdiction.

2. Account Registration and Security

User Account: To access our services, you must create an account. You agree to provide accurate and current information during registration and to update your information if it changes.
Security: You are responsible for maintaining the confidentiality of your account credentials and are fully responsible for all activities that occur under your account. Flexy-Pay is not liable for any unauthorized access to your account due to your failure to secure your credentials.
Prohibited Activities: You agree not to use Flexy-Pay for any illegal or unauthorized purpose, including money laundering, fraud, or any activity that violates applicable laws or regulations.

3. Services Provided by Flexy-Pay

Flexy-Pay offers digital payment solutions, including money transfers, bill payments, mobile banking, and other financial services. By using these services, you agree to the applicable terms, fees, and conditions displayed on our platform.

Transaction Limitations: Flexy-Pay reserves the right to limit or decline transactions that exceed certain limits or that raise security concerns.
Fees: Any applicable fees will be clearly stated at the time of transaction. By initiating a transaction, you agree to pay the associated fees.

4. User Responsibilities and Obligations

You agree to the following:

Compliance with Laws: Use the Service in compliance with all applicable laws, including anti-money laundering (AML) and counter-terrorism financing (CTF) regulations.
Prohibited Content: Avoid uploading or sharing any content that is unlawful, harmful, or infringing on intellectual property rights.
Device Security: Ensure the security of your device by using anti-virus software and updating your device’s operating system and application software to the latest version.

5. Intellectual Property Rights

All materials on Flexy-Pay, including but not limited to text, images, logos, and software, are the intellectual property of Flexy-Pay or its licensors. You may not reproduce, distribute, or otherwise use any of our materials without our express written permission.

License: Flexy-Pay grants you a limited, non-exclusive, non-transferable license to use our Service solely for personal, non-commercial purposes.
Restrictions: You may not modify, reverse engineer, or attempt to extract source code from our software.

6. Data Privacy and Security

Our use of personal data is governed by our Privacy Policy, which outlines how we collect, use, and protect your information. By using Flexy-Pay, you agree to the terms of our Privacy Policy.

Data Collection: We collect certain data necessary to provide our services, including personal and transaction information.
Data Security: Flexy-Pay employs industry-standard security measures to protect your information, but we cannot guarantee absolute security. By using Flexy-Pay, you acknowledge and accept this risk.

7. Limitations of Liability

To the fullest extent permitted by law:

Disclaimer of Warranties: Flexy-Pay is provided "as is" without warranties of any kind, either express or implied. We do not warrant that our Service will be uninterrupted, error-free, or completely secure.
Limitation of Liability: Flexy-Pay shall not be liable for any indirect, incidental, special, or consequential damages arising out of your use of the Service. Our total liability to you shall not exceed the amount paid by you, if any, for accessing Flexy-Pay.

8. Suspension and Termination

Flexy-Pay reserves the right to suspend or terminate your account for any of the following reasons:

Violation of Terms: Engaging in prohibited activities or breaching these Terms may result in account suspension or termination.
Security Concerns: We may suspend or terminate accounts associated with suspicious or unauthorized activity to ensure platform security.
User Request: You may close your account at any time by contacting our support team. However, any outstanding transactions or obligations must be settled before account closure.

9. Modifications to the Service or Terms

Flexy-Pay may update or modify these Terms at any time. Changes will be posted on this page, and we may notify users of significant updates via email or within the app. By continuing to use the Service after changes are posted, you agree to the revised Terms.

10. Dispute Resolution

In the event of a dispute arising from these Terms or your use of the Service, we encourage you to contact us directly to seek a resolution.

Governing Law: These Terms shall be governed by and construed in accordance with the laws of [Your Country/Region].
Arbitration: You agree to resolve any disputes through binding arbitration, waiving the right to participate in class actions.

11. Contact Us

If you have any questions or concerns about these Terms, please contact Flexy-Pay’s support team at support@flexy-pay.com or through our app’s support section.

Thank you for using Flexy-Pay. We are committed to providing a secure, user-friendly experience for all of our valued users.