Welcome to Qaisa Pay!

1. Eligibility

To use QaisaPay, you must:

• Be at least 18 years old.
• Provide accurate and complete information.
• Comply with all applicable laws and regulations.

2. Account Registration

• Users must provide valid identification and contact information when requested.
• You are responsible for maintaining the confidentiality of your account credentials.
• You must notify us immediately of any unauthorized access to your account.

3. Verification (KYC)

• We may require identity verification before activating certain services.
• We reserve the right to request additional documentation at any time.
• Failure to provide requested information may result in account suspension or termination.

4. Acceptable Use

Users shall not:

• Engage in fraud, money laundering, terrorism financing, or illegal activities.
• Use the platform for unauthorized gambling activities.
• Attempt to interfere with the security or operation of the platform.
• Use stolen payment methods or false identities.

5. Transactions

• All transactions are subject to verification and approval.
• We reserve the right to delay, reject, reverse, or cancel transactions suspected of fraud or regulatory violations.
• Transaction limits may apply.

6. Fees

• Applicable fees will be displayed before transaction confirmation.
• Fees are non-refundable unless required by law.
• We may revise fees with prior notice.

7. Account Suspension

We may suspend or terminate accounts if:

• Fraudulent activity is suspected.
• False information is provided.
• Legal or regulatory requirements require action.
• These Terms are violated.

8. Refunds and Chargebacks

• Refund requests are subject to review.
• Chargebacks may result in temporary account restrictions.
• Users are responsible for resolving disputes related to their transactions.

9. Data Privacy

• We collect and process personal information in accordance with our Privacy Policy.
• We may share information with regulators, financial institutions, or law enforcement where legally required.

10. Limitation of Liability

• QaisaPay is not responsible for losses caused by incorrect account details provided by users.
• We are not liable for interruptions caused by third-party service providers, network failures, or force majeure events.
• Our liability shall not exceed the amount of fees paid by the user in relation to the affected transaction.

11. Compliance and Monitoring

• We reserve the right to monitor transactions for compliance purposes.
• Suspicious transactions may be reported to relevant authorities as required by law.

12. Intellectual Property

All logos, trademarks, software, designs, and content on the platform remain the property of QaisaPay and may not be copied or used without written permission.

13. Changes to Services

We may modify, suspend, or discontinue any part of the service at any time.

14. Amendments

We may update these Terms and Conditions periodically. Continued use of the platform constitutes acceptance of the updated terms.

15. Governing Law

These Terms shall be governed by the laws of Tanzania and any disputes shall be subject to the jurisdiction of Tanzanian courts.