Terms of Service
Last updated: 1 May 2026 · Draft for review
These Terms of Service (“Terms”) are a draft for business and technical users of PayBitt’s platform. They are not legal advice. Enterprise, partner, and API customers may be subject to separate written agreements that prevail over this online summary where they conflict.
1. Parties
PayBitt Technologies Limited (“PayBitt”, “we”, “us”) and you (“you”, “user”, “merchant”). If you act on behalf of a company, you represent that you have authority to bind that company.
2. Services
PayBitt provides payment technology, APIs, dashboards, and related software that connect merchants and enterprises with licensed banks and payment service providers. PayBitt is a technology provider; we do not hold customer funds in our own name in that capacity—settlement, custody, and regulated payment activity are performed by our partners as disclosed in onboarding. Features may include payouts, collections, virtual accounts, notifications, and value-added services (e.g. airtime and mobile data) where enabled for your account.
3. Accounts and KYC
Access to production services requires approval. You must provide accurate information and complete identity and business verification (KYC/AML) as we or our partners require. We may suspend or close accounts for suspected fraud, sanctions risk, or legal non-compliance.
4. Acceptable use
You will not use the services for illegal activity, sanctions evasion, money laundering, terrorist financing, deceptive practices, or intellectual property infringement. You will not probe, scan, or attack our systems except under an organised vulnerability disclosure we authorise in writing. You are responsible for your staff, API keys, and devices.
5. Fees and taxes
Fees, FX references, and settlement timing are described in commercial schedules, the dashboard, or partner communications. You are responsible for applicable taxes on your side unless otherwise agreed in writing.
6. Intellectual property
PayBitt retains all rights in its software, branding, documentation, and aggregate analytics. Subject to these Terms and any separate licence, we grant you a non-exclusive, non-transferable licence to use the services for their intended purpose during an active account.
7. Data protection
Processing of personal data is described in our Privacy Policy and Data Protection Policy. Where you act as a controller and PayBitt processes personal data on your instructions, supplemental data-processing terms may apply in your commercial agreement.
8. Confidentiality
Non-public information marked confidential or reasonably understood as confidential must be protected and used only for the relationship. Statutory transparency requirements are unaffected.
9. Warranties disclaimer
Except where prohibited by law, the services are provided “as is” and “as available”. We disclaim implied warranties of merchantability, fitness for a particular purpose, and non-infringement to the maximum extent permitted.
10. Limitation of liability
To the fullest extent permitted by applicable law, PayBitt is not liable for indirect, incidental, special, consequential, punitive, or exemplary damages, or loss of profits, data, or goodwill. Our aggregate liability arising out of these Terms (other than indemnities or matters that cannot be limited by law) is limited to the fees you paid to PayBitt for the services giving rise to the claim in the three (3) months before the event, or, if none, one hundred United States dollars (USD 100).
11. Indemnity
You will defend and indemnify PayBitt against third-party claims arising from your misuse of the services, your products sold to end users, or your breach of these Terms or law, subject to our prompt notice and reasonable cooperation.
12. Suspension and termination
We may suspend access for security, legal, or material breach reasons. Either party may terminate with notice where contractual offboarding terms permit. Provisions that by nature survive (fees owed, confidentiality, liability limits where valid, indemnity) remain in force.
13. Compliance and export
You comply with export control and sanctions laws. You will not use the services in embargoed jurisdictions or for prohibited parties except as legally authorised.
14. Governing law & disputes
Unless your separate agreement provides otherwise, these Terms are governed by the laws of Ghana, without regard to conflict-of-law rules. Courts in Accra, Ghana shall have non-exclusive jurisdiction, except where mandatory consumer or employment protections apply to you personally.
15. Changes
We may update these Terms by posting a new version and updating the “Last updated” date. Where materially adverse, we will provide reasonable notice where practicable through the dashboard or email. Continued use after the effective date constitutes acceptance.