Terms of Service

1. Acceptance of Terms

By accessing and using CapitalPay services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

CapitalPay provides digital financial services including but not limited to:

• • Mobile money transfers
• • Bill payment services
• • Airtime top-up
• • Digital savings accounts
• • Business payment solutions

3. User Responsibilities

As a user of our services, you agree to:

• • Provide accurate and complete information
• • Maintain the security of your account credentials
• • Use the services in compliance with applicable laws
• • Not engage in fraudulent or illegal activities
• • Notify us immediately of any unauthorized use

4. Fees and Charges

Our services may be subject to fees and charges as disclosed at the time of transaction. All fees are clearly displayed before you confirm any transaction. We reserve the right to modify our fee structure with appropriate notice.

5. Limitation of Liability

CapitalPay shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the service.

6. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the service, to understand our practices.

7. Termination

We may terminate or suspend your account and bar access to the service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

8. Changes to Terms

We reserve the right, at our 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.

9. Contact Information

If you have any questions about these Terms of Service, please contact us at info@capitalpay.africa or through our contact page.