Terms of Service

Welcome to Zylo Payments. These Terms of Use (“Terms”) are a contract between you and Zylo Payments (“we,” “us,” or “our”). They explain how you can use our payment services, platform, APIs, and related tools (together, the “Services”). By signing up, accessing, or using our Services, you agree to these Terms.

If you do not agree with these Terms, do not use our Services.

1. Acceptance of Terms

When you register for an account, use our platform, integrate with our APIs, or make a payment through Zylo Payments, you agree to follow these Terms and all policies referenced here. We may update these Terms from time to time. Continued use of the Services after changes means you accept the updates.

2. Who Can Use Our Services

You must be at least the legal age in your country to form a binding contract. If you are using the Services on behalf of a business, you confirm that you have authority to bind that business to these Terms.

By using the Services, you represent that:

• You have the legal right to enter into this agreement.
• All information you provide is accurate and complete.

3. Your Account and Responsibilities

To use Zylo Payments, you must create an account and provide current, accurate information. You agree to:

• Keep your password and login secure.
• Notify us immediately if your account is compromised.
• Comply with all applicable laws and regulations.

You are responsible for all activity under your account. We may suspend or close accounts that violate these Terms or present risk.

4. Use of the Services

Zylo Payments provides payment processing and related tools. You agree to use the Services only for lawful purposes and in a way that does not harm Zylo Payments or our users.

Prohibited activities include:

• Illegal transactions or money laundering.
• Fraudulent behavior or misrepresentation.
• Interfering with the operation of the Services.
• Violating any third‑party rights or laws.

If we suspect misuse, we may investigate, suspend access, and report to authorities.

5. Fees and Payments

You agree to pay all fees associated with the Services, including transaction fees, subscription fees, and other charges outlined in our pricing plans. Fees are non‑refundable unless required by law.

We may change fees at any time, but we will provide notice before new rates take effect.

6. Payment Processing and Risks

Zylo Payments processes payments but does not guarantee that all transactions will be successful. Payments may be declined by card networks, banks, or mobile money providers for a variety of reasons beyond our control.

You agree that:

• We are not responsible for funds not received due to decline, dispute, or cancellation.
• We are not a bank and do not hold customer funds except as required under local regulation.

7. Disputes and Chargebacks

If a customer disputes a charge, you agree to cooperate fully with Zylo Payments and payment networks during investigation. You may be responsible for storing records, providing documentation, or responding to inquiries.

Chargeback fees may apply according to our pricing policy.

8. Intellectual Property

Zylo Payments owns all rights to the Services, including software, branding, and content. You may not copy, modify, or distribute our intellectual property without written permission.

You retain rights to your own data, content, and trademarks.

9. Privacy and Data Protection

Your use of the Services is also governed by our Privacy Policy. You agree that we may collect, store, and use data to provide the Services and comply with laws.

You are responsible for protecting personal data you collect from your customers.

10. Security and Compliance

You agree to follow reasonable security practices to protect your account, including:

• Not sharing login credentials.
• Using secure systems and networks.
• Complying with relevant laws and standards.

Zylo Payments may implement additional security rules at any time.

11. Limitation of Liability

To the maximum extent allowed by law:

• Zylo Payments and its partners are not liable for indirect, special, or consequential damages.
• Our total liability for any claim related to the Services will not exceed the total fees you paid to us in the last six months.

12. Indemnification

You agree to defend, indemnify, and hold Zylo Payments harmless from any claims, losses, damages, liabilities, and expenses (including legal costs) arising from:

• Your use of the Services.
• Your violation of these Terms.
• Your violation of third‑party rights or laws.

13. Termination

We may suspend or terminate your access at any time with notice if you violate these Terms or present risk.

You may close your account by contacting support and fulfilling any outstanding obligations.

Termination does not limit any rights or remedies available to us.

14. Governing Law

These Terms are governed by the laws of the jurisdiction where Zylo Payments is registered, without regard to conflict of law rules.

You agree that disputes will be handled in competent courts within that jurisdiction unless required otherwise by applicable law.