Terms of Service

1. Acceptance of Terms

By accessing or using the AfriLink Pay platform, website, mobile application, or any of our APIs (collectively, the "Services"), you confirm that you have read, understood, and agree to be bound by these Terms of Service ("Terms") and our Privacy Policy, which is incorporated herein by reference.

If you are using the Services on behalf of a business, company, or other legal entity, you represent that you have the authority to bind that entity to these Terms, and all references to "you" shall mean that entity. If you do not have such authority, or if you do not agree with these Terms, you must not access or use the Services.

AfriLink Pay Ltd ("AfriLink Pay", "we", "us", or "our") reserves the right to update these Terms at any time. Continued use of the Services after such changes constitutes your acceptance of the revised Terms.

2. Services Description

AfriLink Pay provides a unified payments infrastructure platform enabling individuals and businesses to send, receive, and manage money across Africa. Our Services include, but are not limited to:

• Cross-border Payments: Transfer of funds between supported African countries and internationally via mobile money, bank transfer, and wallet-to-wallet rails.
• Pay Identity: A universal payment handle service allowing users to send and receive payments using a username or short link, resolving to any linked wallet, bank account, or payment method.
• Bill Payments: Payment of utility bills, airtime and data top-ups, insurance premiums, and other merchant services through connected billers on the AfriLink network.
• Agent Services: Cash-in and cash-out services facilitated through authorised AfriLink Pay agents in supported markets, enabling users without bank accounts to participate in the digital payments ecosystem.
• Merchant Services: Payment collection solutions for businesses, including payment links, QR codes, checkout APIs, and recurring billing tools.

AfriLink Pay acts as a payments intermediary and technology provider. We are not a bank and do not hold deposits. Funds in transit are held in regulated float accounts with licensed partner financial institutions.

3. Eligibility

To register for and use the Services, you must meet all of the following eligibility requirements:

• Age: You must be at least 18 years of age. We do not knowingly provide Services to persons under 18.
• Identity: You must possess a valid, government-issued photo identification document (such as a national ID card, passport, or driver's licence) from a supported country.
• Geographic eligibility: You must be located in or transacting with a country supported by AfriLink Pay. A current list of supported countries is available at our website.
• Legal capacity: You must have full legal capacity to enter into binding contracts in your jurisdiction.
• Not subject to sanctions: You must not be listed on any applicable sanctions list, including those maintained by OFAC, the UN Security Council, the EU, or any relevant African regulatory authority.

AfriLink Pay reserves the right to refuse, suspend, or terminate access to any user who does not meet these eligibility requirements or who provides false or misleading information.

4. Account Registration & Security

To access most Services, you must create an account. When registering, you agree to:

• Provide accurate, current, and complete information during registration and keep it updated at all times.
• Create a strong, unique password and not share your account credentials with any third party.
• Enable multi-factor authentication (MFA) when prompted or available — we strongly recommend this for all accounts.
• Notify us immediately at security@afrilinkpay.com if you suspect any unauthorised access to your account.

You are responsible for all activity that occurs under your account, whether or not you authorised it, except in cases of proven unauthorised access resulting from our negligence. AfriLink Pay will never ask for your password, PIN, or OTP via email, SMS, or phone call. Any communication claiming to be from us that requests such information should be treated as fraudulent.

We reserve the right to suspend or terminate accounts that show signs of compromise, suspicious activity, or violation of these Terms, pending investigation.

5. Payment Services

5.1 Transaction Limits

Transaction limits vary by account verification tier, originating country, destination country, and applicable regulatory requirements. Limits are displayed within the application before you confirm any transaction. AfriLink Pay may adjust limits at any time in response to regulatory changes or risk assessments.

5.2 Processing Times

We aim to process transactions within the timeframes displayed at the point of initiation. Typical processing times range from near-instant (for mobile money to mobile money transfers within the same country) to 1–3 business days (for international bank transfers). AfriLink Pay is not liable for delays caused by third-party financial institutions, network outages, or regulatory holds beyond our reasonable control.

5.3 Exchange Rates

For cross-currency transactions, the applicable exchange rate is displayed before you confirm the transaction and is locked for a short confirmation window (typically 30–120 seconds, displayed at the time of transaction). If you do not confirm within this window, the rate may be refreshed. Exchange rates include a transparent margin disclosed at the point of transaction.

5.4 Fees

AfriLink Pay charges fees for certain transactions. All applicable fees are displayed clearly before you confirm any transaction. There are no hidden fees. A general fee schedule is available on our website. Fees may vary by transaction type, currency corridor, and account tier.

5.5 Refunds and Reversals

Once a payment has been confirmed and submitted, it may not be reversible, particularly for real-time payment rails. If a transaction fails, any deducted funds will be returned to your account within 5 business days. For disputes regarding completed transactions, contact support@afrilinkpay.com.

6. Prohibited Uses

You agree not to use the Services for any of the following purposes:

• Money laundering or terrorist financing: Any transaction designed to conceal the origin of illegally obtained funds or to fund terrorist activities.
• Sanctions evasion: Transactions involving persons, entities, or countries subject to international or local sanctions.
• Fraud and deception: Any use of the platform to deceive other users, manipulate transactions, or conduct identity theft.
• Illegal goods and services: Payment for goods or services that are illegal in the sender's or recipient's jurisdiction, including narcotics, weapons, counterfeit goods, or child exploitation material.
• Gambling: Unless you are a licensed operator who has obtained written approval from AfriLink Pay.
• Pyramid schemes and Ponzi structures: Any transaction facilitating investment schemes that are not genuine commercial activities.
• Hacking or system abuse: Any attempt to reverse-engineer, exploit, or disrupt the AfriLink Pay platform or its underlying infrastructure.
• Automated abuse: Scraping, crawling, or submitting fraudulent transactions at volume using bots or scripts, unless you are an authorised developer acting within the bounds of your API agreement.

Violation of these prohibitions may result in immediate account suspension, fund holds pending investigation, reporting to relevant authorities, and legal action.

7. KYC / AML Compliance

AfriLink Pay operates under licences from multiple African financial regulators and is subject to Know Your Customer (KYC) and Anti-Money Laundering (AML) obligations in every market we serve.

In order to comply with these obligations, we may:

• Request identity verification documents (national ID, passport, utility bills, proof of address) at registration or at any time during your use of the Services.
• Request information about the source of funds for large or unusual transactions.
• Place temporary holds on transactions pending verification.
• Suspend or restrict accounts that fail to provide required documentation within specified timeframes.
• Report suspicious transactions to relevant Financial Intelligence Units (FIUs) or law enforcement agencies as required by law, without necessarily notifying the account holder.
• Terminate accounts that cannot be satisfactorily verified.

We will always endeavour to resolve verification requests promptly and with minimal disruption to your use of the Services. KYC requests are a legal requirement, not a choice — accounts that remain unverified above certain transaction thresholds cannot continue to transact.

8. Intellectual Property

All content, design, code, trademarks, logos, and other materials comprising or relating to the AfriLink Pay platform ("AfriLink IP") are the exclusive property of AfriLink Pay Ltd or its licensors. Nothing in these Terms transfers ownership of AfriLink IP to you.

Subject to your compliance with these Terms, AfriLink Pay grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Services for their intended purpose. You may not copy, modify, distribute, sell, sublicense, or create derivative works based on any AfriLink IP without our prior written consent.

If you are a developer using our APIs, your use is additionally governed by the AfriLink Pay Developer Agreement. Any feedback you provide to us about the Services may be used by us without restriction or compensation to you.

9. Limitation of Liability

To the maximum extent permitted by applicable law:

• The Services are provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or uninterrupted availability.
• AfriLink Pay shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, or business interruption, arising out of or in connection with your use of the Services.
• Our total liability to you for any claim arising under or in connection with these Terms shall not exceed the greater of (a) the total fees paid by you to AfriLink Pay in the 12 months preceding the claim, or (b) USD 100.

Nothing in these Terms limits AfriLink Pay's liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.

10. Governing Law

These Terms shall be governed by and construed in accordance with the following laws, depending on your primary place of residence:

• West Africa (including Ghana, Nigeria, Senegal, Côte d'Ivoire, and neighbouring countries): The laws of the Republic of Ghana, and the courts of Ghana shall have exclusive jurisdiction.
• East Africa (including Kenya, Tanzania, Uganda, Rwanda, and neighbouring countries): The laws of the Republic of Kenya, and the courts of Kenya shall have exclusive jurisdiction.
• All other regions: The laws of the Republic of Ghana shall govern, unless otherwise required by mandatory local law.

Both parties agree to first attempt to resolve disputes through good-faith negotiation. If unresolved after 30 days, disputes may be referred to mediation under the rules of the relevant national arbitration body before proceeding to litigation.

11. Changes to Terms

AfriLink Pay may modify these Terms at any time. When we make material changes, we will:

• Update the "Last updated" date at the top of this document.
• Send a notification to your registered email address at least 14 days before the changes take effect (30 days for material changes that affect your financial rights).
• Display a prominent notice in the application.

If you do not agree with the revised Terms, you must stop using the Services before the effective date of the changes. Continued use of the Services after the effective date constitutes your acceptance of the updated Terms. The current version of these Terms is always available at our website.

12. Contact Us

If you have questions about these Terms, please contact our Legal team:

• Email: legal@afrilinkpay.com
• Registered address: AfriLink Pay Ltd, Airport City, Accra, Ghana

For account support and transaction disputes: support@afrilinkpay.com
For security concerns: security@afrilinkpay.com