By accessing, visiting, or using the website, you accept and agree to be bound by the Terms. Please read carefully. Further, you shall be subject to any additional terms of use that apply when you use certain products or posted guidelines or rules applicable to our Services, which may be posted and modified from time to time. All such guidelines are hereby incorporated by reference into the Terms.

ANY ACCESS, USE or PARTICIPATION IN THE SERVICES WILL CONSTITUTE ACCEPTANCE OF THE TERMS. IF YOU DO NOT AGREE TO THESE TERMS OF USE, PLEASE DO NOT USE THE SERVICES OR OUR SITE OR MOBILE APPLICATION OR ACCESS OUR SERVICES.

We are a cross-border payment solutions company dedicated to facilitating seamless and secure financial transactions across multiple regions. Our business is designed to support individuals and businesses in overcoming the challenges associated with international payments, ensuring reliability, efficiency, and compliance with applicable regulatory standards.

We provide a comprehensive range of cross-border payment solutions, including currency exchange, remittance services, and global transaction processing (collectively referred to as the “Services”). These Services are tailored to enhance the payment experience by offering a user-friendly platform that integrates with financial partners worldwide.

Please note that we are not a bank and do not provide traditional banking services as defined by relevant banking regulations, including the Banks and Other Financial Institutions Act, 2020. Our role is solely to offer innovative payment solutions that connect users with their financial needs in a secure and efficient manner.

You may use the Services only if you agree to form a binding contract with the TryPaying and are not a person barred from receiving services under the laws of the applicable jurisdiction. If you are accepting these Terms and using the Services on behalf of a company, business, or organization, you represent and warrant that you are authorized to do so.

By using the Services, you represent that:

1. You have attained the age of 18 years;
2. You are of sound mind and have the capacity to enter into a legally binding contract;
3. All personal information that you provide about yourself is accurate and true to the best of your knowledge; and you have the responsibility to maintain the accuracy of the information at all times.
4. You have carefully considered the risks involved with using the Services; and
5. Your use of the Services does not violate any applicable law or regulation.

Account creation

While you can browse the site and utilise the Checkout without creating a user account (“Account”), accessing and utilising our Services requires you to have an Account. In creating an Account, you must provide us with accurate and complete registration information as prompted during the registration process, including your name, a valid email address which functions as your username and a password of your choice, subject to certain requirements. Each Account registration is for a single user only. You shall not misrepresent your identity or your affiliation with any person or organisation and you are not allowed to use another user’s Account for any purpose whatsoever.

You may access the profile associated with your Account (“Profile”) on the App when you are logged in. When you access your Profile, you can edit certain information, including your email address and password, or any additional information relating to your Profile. You can also contact us directly at via our contact email to edit your information. It is your responsibility to ensure your contact information is accurate and up to date.

Identity verification - KYC/KYB

You are required to provide valid identification documents to be verified before you are fully onboarded to the Services. Your account will be restricted to certain limits if your know your customer (“KYC”) or know Your Business “KYB” is not completed and/or your identity is not verified.

Account protection

You are responsible for maintaining the security and confidentiality of your username and password and may not share your Account information with third parties or allow third parties to use your Account. If you believe an unauthorised person has obtained your password or accessed your Account, you must notify us immediately via our contact email . We will not be liable for any loss that you may incur as a result of someone else using your password or Account, either with or without your knowledge or permission. However, you may be held liable for any losses we or another related party incur due to someone else using your Account.

Intellectual Property Protection

Subject to your compliance with these Terms, TryPaying grants you a limited, non-exclusive, non-sub licensable, revocable, non-transferable license to access and view any content made available on or through the Services and accessible to you, solely for the uses authorised by these Terms and any other agreement incorporated into these Terms.

The Services, entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof) on all our platforms and channels, are owned by TryPaying, its licensors or other providers of such material and are protected by the laws of the Federal Republic of Nigeria and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws. The content/material may not be copied, modified, reproduced, downloaded or distributed in any way, in whole or in part, without the express prior written permission of the Company, unless and except as is expressly provided in these Terms & Conditions. Any unauthorized use of the material is prohibited.

You may use the website solely for the purposes authorised and/or to learn about our products and services, and solely in compliance with these Terms; provided that you do not remove any proprietary notice language in our content or part thereof, do not copy or post such content or part of content to any networked computer or broadcast it in any media, make no modifications to any such content or part of content and not make any additional representations or warranties relating to the Services or/and The Company’s products or/and services.

By using the website, you agree that you will not with the Company’s consent and approval:

• Use any of the Services in violation of these Terms;
• Copy, modify, create a derivative work from, reverse engineer or reverse assemble the website, the App function, or otherwise attempt to discover any source code, or allow any third party to do so;
• Use, display, mirror or frame the Content, or any individual element within the TryPaying's website, the TryPaying's name, any trademark, logo or other proprietary information belonging to theTryPaying, or the layout and design of any page or form contained on a page in the website, without theTryPaying's express written consent;
• Dilute, tarnish or otherwise harm the Company's brand in any way, including through unauthorized use of our Content, registering and/or using the "TryPaying" name or derivative terms in domain names, trade names, trademarks or other source identifiers;
• Sell, assign, sublicense, distribute, commercially exploit, grant a security interest in or otherwise transfer any right in, or make available to a third party, the Services or any part thereof;
• Use any page-scrapes, "robots," "spiders," or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, copy or monitor any portion of the Site or the Application;
• Use the Services in any manner that damages, disables, overburdens, or impairs the Services or interferes with any other party's use and enjoyment of any of the Services;
• Utilize the Services for any illegal purpose;
• Attempt to gain unauthorized access to any of the Services;
• Probe, scan or test the vulnerability of the website or any network connected to the website, or breach the security or authentication measures on the website or any network connected to the website;
• Take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the website or any systems or networks connected to the website;
• Use any device, software or routine to interfere or attempt to interfere with the proper working of any of the Services.