General Terms of Service

This General Terms of Service Agreement (the "Agreement") is a legal agreement made and entered into as of the date of your affirmative acceptance of this Agreement (the "Effective Date") by and between You and ndelpay Limited, a private company in Ghana (registration number CS-XXXXXXXX) with its principal place of business located at [Business Address], Accra, Ghana. ("ndelpay").

This Agreement shall govern your use of ndelpay's services, including mobile applications, websites, software, hardware, and other products and services (collectively, the "Services") and the legal entity on whose behalf you are registering a ndelpay account (the "Business").

Definitions

ndelpay Account is the account you open or sign-in on ndelpay to use the Services and we reserve the right to suspend or terminate your Account by reason of inaccurate, untrue, or incomplete information, or failure to comply with the account registration requirements.

ndelpay Account History is a summary of account usage activities which may include transactions and statements on your account.

Fees are the surcharges deducted to your account for transactions processed.

Payment is the service charge for the Service use on pay as you go bases or on a recurring basis (Subscription basis).

Settlements are the proceeds available to you for on-wards transfer to your bank account or mobile money wallet.

Balance is the transactional value or amount held on your account.

Hold of Settlement is the right to defer settlement or restrict access to proceeds if we need to conduct an investigation or resolve any pending dispute related to your use of the service or by order of the courts.

License and Restriction is the right granted you in accordance with this Terms of Service.

Off-set right: To the extent permitted by law, we may set off against your Balances for any obligation You owe us under any Agreement (e.g., Chargebacks or refunds).

Chargebacks are claims on disputed transactions.

Account Registration

To access and use the Services, you must register for a ndelpay account. To register for an account, you must provide complete and accurate information as prompted by the registration form. You are responsible for keeping your password and account credentials secure. You agree that you will not disclose your password to any third party and that you will take sole responsibility for any activities or actions under your account, whether or not you have authorized such activities or actions. You will immediately notify ndelpay of any unauthorized use of your account.

Fees and Payments

You agree to pay all fees associated with the Services. ndelpay reserves the right to change its fees and payment policies at any time, with or without notice to you. Changes to the fees or payment policies will be posted on the ndelpay website or within the Services. Continued use of the Services after any such changes shall constitute your consent to such changes.

Contesting Chargebacks

You shall assist us when requested, at your expense to investigate any of your transactions processed through the ndelpay Services and we shall release corresponding reserved funds to your ndelpay Account is contesting chargebacks is successful.

Excessive Chargebacks: If we believe You might incur, or you are incurring, an excessive amount of Chargebacks, we may establish additional conditions governing your ndelpay Account.

Termination and Suspension

You are free to stop using the ndelpay Services anytime and we reserve the right to suspend or terminate your ndelpay account upon breach or abuse of the Service in accordance with the general terms.

Security

We have implemented technical and organizational measures designed to secure but you are responsible for safeguarding your password and for restricting access to the Services. You agree to accept responsibility for all activities that occur under your account. You should take all necessary steps to ensure that your password is kept confidential and secure.

Intellectual Property

The Services and all content and materials included on or within the Services, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, are the property of ndelpay or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services, except as generally and ordinarily permitted through the Services according to these Terms.

Limitation of Liability

In no event shall ndelpay, its officers, directors, employees, or agents, be liable to you for any direct, indirect, incidental, special, punitive, or consequential damages whatsoever resulting from any (i) errors, mistakes, or inaccuracies of content, (ii) personal injury or property damage, of any nature whatsoever, resulting from your access to and use of our services, (iii) any unauthorized access to or use of our secure servers and/or any and all personal information and/or financial information stored therein, (iv) any interruption or cessation of transmission to or from our services, (v) any bugs, viruses, trojan horses, or the like, which may be transmitted to or through our services by any third party, and/or (vi) any errors or omissions in any content or for any loss or damage of any kind incurred as a result of your use of any content posted, emailed, transmitted, or otherwise made available via the services, whether based on warranty, contract, tort, or any other legal theory, and whether or not the company is advised of the possibility of such damages.

Changes to Terms

ndelpay reserves the right, at its sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms.

These terms were last modified on April 6, 2025