1. Acceptance of Terms

By using our Site and Services, you affirm that you are at least 18 years old, or if you are under 18, you have obtained parental consent to use our Services. You agree to provide accurate, current, and complete information as prompted by our registration forms and to update such information to keep it accurate, current, and complete.

2. Changes to Terms

ZuliPay reserves the right to modify these Terms and Conditions at any time. We will notify you of changes by posting the updated Terms on our Site. Your continued use of the Services after any changes constitutes your acceptance of the new Terms.

3. Account Security

You are responsible for maintaining the confidentiality of your account information, including your password. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. ZuliPay will not be liable for any loss or damage arising from your failure to comply with this section.

4. Use of Services

You agree to use the Services only for lawful purposes and in accordance with these Terms.

You agree not to use the Services:

• In any way that violates any applicable federal, state, local, or international law or regulation.
• For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content or otherwise.
• To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation.

5. Payment and Transactions

ZuliPay offers payment processing, money transfers, virtual cards, and utility bill payments. You agree to comply with all applicable laws and regulations in connection with your use of these Services. All transactions are subject to verification and may be delayed or declined for various reasons, including insufficient funds or suspected fraud.

6. Privacy Policy

Your use of our Site and Services is also governed by our Privacy Policy, which can be found at Privacy Policy. By using our Services, you consent to the collection and use of your information as described in the Privacy Policy.

7. Limitation of Liability

To the fullest extent permitted by law, ZuliPay, its affiliates, officers, directors, employees, and agents 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 access to or use of, or inability to access or use, our Services.
• Any conduct or content of any third party on our Services.
• Any content obtained from our Services.
• Unauthorized access, use, or alteration of your transmissions or content.

8. Indemnification

You agree to defend, indemnify, and hold harmless ZuliPay, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Services, your violation of these Terms, or your violation of any rights of another party.

9. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of Nigeria, without regard to its conflict of law principles. Any legal action or proceeding arising out of or related to these Terms shall be brought exclusively in the courts located in Nigeria.

10. Contact Information

If you have any questions about these Terms and Conditions, please contact us at admin@zulipay.co

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

Thank you for choosing ZuliPay!