The rules for using Payeelord and its digital services.

1. Acceptance of these Terms

These Terms govern your access to Payeelord, including the public website, account dashboard, wallet services, digital service workspaces, developer API, support tools, and related communications. If you do not agree, do not use the platform.

We may update these Terms when services, providers, laws, risk controls, or business requirements change. Continued use after an update means you accept the revised Terms.

2. Services covered

The platform may support data bundles, airtime, cable TV, electricity, recharge PINs, education PINs, gift card purchase or trade workflows, wallet funding, bank withdrawals, virtual accounts, virtual cards, SMM services, business onboarding, business name support, referrals, cashback, developer API access, webhooks, transaction receipts, disputes, and administrative support.

Some services are provided directly by Payeelord, while others depend on third-party banks, payment processors, card issuers, telecommunications providers, electricity distribution companies, cable providers, gift card processors, identity verification providers, or API vendors. Their rules, limits, downtime, reversals, fees, and compliance requirements may also apply.

3. Accounts, eligibility, and verification

• You must provide accurate registration, contact, referral, business, and KYC information. You must update information that becomes inaccurate.
• You are responsible for your password, OTPs, two-factor codes, API keys, webhook secrets, devices, and account activity.
• We may require identity, business, BVN, director, settlement, or document verification before enabling higher limits, withdrawals, virtual cards, business services, API access, or other sensitive features.
• We may reject, restrict, suspend, or close accounts where information is false, security is compromised, fraud is suspected, law requires it, or platform rules are breached.

4. Wallets, payments, pricing, and transaction records

Your wallet is a platform balance used to pay for eligible services. It is not a bank account and does not earn interest unless a specific written offer says otherwise. Wallet funding, withdrawals, refunds, fees, and service prices may depend on providers, user package, active promotions, cashback settings, and risk controls.

You should review recipient numbers, meter numbers, smart card numbers, plan selections, email addresses, gift card values, API payloads, and payment details before confirming a transaction. Completed transactions may be irreversible once sent to a provider or delivered to the recipient.

5. Failed transactions, refunds, disputes, and chargebacks

If a transaction fails, is delayed, or is disputed, we will review wallet records, provider responses, receipts, and any proof supplied. A refund or reversal is only due where our records or the provider confirm that value was not delivered or that a reversal is appropriate.

We may deduct erroneous credits, reverse duplicate funding, hold suspicious funds, request additional proof, or suspend withdrawals while investigating fraud, chargebacks, provider failures, identity issues, or regulatory concerns.

6. Prohibited use

• Do not use the platform for fraud, money laundering, terrorism financing, scams, unauthorized card activity, illegal gift card trading, identity misuse, or unlawful services.
• Do not access another user account, bypass limits, attack the system, scrape data, overload APIs, tamper with webhooks, or reverse engineer protected functionality.
• Do not upload false documents, submit misleading complaints, abuse referrals or cashback, resell services in a deceptive way, or violate provider rules.
• Do not use the platform where your use would breach Nigerian law, sanctions, consumer protection rules, telecommunications rules, payment rules, or applicable third-party terms.

7. Availability, disclaimers, and liability

We work to keep the platform reliable, but services may be delayed or unavailable because of provider downtime, banking failures, network issues, maintenance, power outages, API errors, inaccurate user input, force majeure events, fraud controls, or legal restrictions.

To the maximum extent allowed by law, Payeelord is not liable for indirect, incidental, punitive, special, or consequential losses, lost profits, lost business, loss of data, failed resale margins, or provider delays. Our total liability for a direct claim will not exceed the amount you paid for the affected transaction, unless applicable law requires otherwise.

8. Intellectual property, privacy, termination, and law

The website, software, API documentation, brand assets, workflows, content, and related materials belong to Payeelord or its licensors. You may not copy or exploit them except as allowed for normal platform use or an approved integration.

Our Privacy Policy explains how personal data is handled. We may terminate or restrict access if you breach these Terms, create risk, violate law, or misuse the platform. These Terms are governed by the laws of the Federal Republic of Nigeria. Disputes should first be raised with support@payeelord.com so we can attempt an operational resolution before formal proceedings.