Terms & Conditions

These Terms and Conditions (“Terms”) govern your access to and use of DojaPay’s digital payment platform, services, website, APIs, and mobile application (collectively, the “Services”). By registering an account or using any part of our Services, you agree to be bound by these Terms. If you do not agree, do not use DojaPay.

These Terms form a legal agreement between you and DojaPay Technologies Ltd. (“DojaPay”, “we”, “our”, or “us”).

1. Eligibility

• Be at least 18 years old and legally able to enter into a binding agreement
• Provide accurate, complete, and current personal and business information
• Not be barred from using financial services under Nigerian law or regulatory frameworks

2. Our Services

• Virtual Account Numbers (Static & Dynamic)
• Card Payment Gateway (Web & POS)
• Wallet services and Payout processing
• Other Value Added Services (VAS)

We reserve the right to modify, suspend, or discontinue any part of our Services at any time without liability.

3. User Responsibilities

• Use the platform lawfully and in compliance with all applicable regulations (CBN, NDPR, AML/CFT, etc.)
• Keep your login credentials secure and confidential
• Not use the platform for fraudulent or illegal activities
• Provide only truthful and accurate information
• Promptly update your profile if any information changes

4. Account Verification

You may be required to undergo identity verification using NIN, BVN, or other documents. We reserve the right to suspend or terminate accounts that fail verification or raise fraud flags.

5. Fees & Charges

DojaPay may charge fees for certain services. All fees will be transparently communicated and may be deducted from your wallet or settlement amount. You are responsible for reviewing our pricing before using paid services.

6. Intellectual Property

All logos, software, content, and platform features are the intellectual property of DojaPay Technologies Ltd. You may not copy, reproduce, or modify any part of our platform without our written consent.

7. Prohibited Use

• Launder money or fund terrorism
• Violate any applicable laws or financial regulations
• Interfere with or disrupt our systems or services
• Impersonate another person or business

8. Limitation of Liability

DojaPay will not be liable for:

• Loss of profits, data, or business interruption
• Unauthorized access resulting from your failure to protect your credentials
• Delays, failures, or errors caused by third-party partners or network issues

9. Termination

We may suspend or terminate your access to our Services at any time for:

• Breach of these Terms
• Regulatory reasons
• Fraud suspicion
• Business or technical reasons

You may also close your account at any time by contacting support.

10. Privacy

Our use of your personal data is governed by our Privacy Policy. By using our services, you consent to the collection and use of your data as described.

11. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes arising under these Terms shall be resolved in Nigerian courts.

12. Updates to Terms

We may modify these Terms from time to time. We will notify you of material changes via email or platform notification. Continued use of DojaPay after changes constitutes acceptance.

Privacy Policy

DojaPay Technologies Limited (“DojaPay”, “Company”, “we”, “us” or “our”) provides a digital payment gateway that enables individuals and businesses to process electronic transactions with ease. This Privacy Policy explains how we collect, use, store, and protect personal data from users (“Merchants” or “Customers”) who interact with our website, app, API, and other related services (collectively, the “Services”).

1. Scope

This Privacy Policy applies to all forms of data collection, processing, and usage within the DojaPay ecosystem in compliance with NDPR and other laws.

2. What We Collect

• Full name, phone number, email, and address
• BVN and NIN details for verification
• Business and corporate documentation
• Bank account/card details
• Communications and support queries

• Device info (IP, browser, OS)
• Usage data (timestamps, pages, session)
• Location via IP
• Cookies and tracking tech

• KYC providers, banks, and financial institutions
• Public databases or credit bureaus
• Partner platforms (where applicable)

3. How We Use Your Data

• Provide and maintain our payment services
• Onboard and verify users (NIN/BVN KYC)
• Detect fraud and ensure compliance
• Improve system performance
• Communicate updates or promotions
• Comply with legal obligations

4. Sharing of Personal Data

• Licensed financial partners
• Service providers under strict NDA
• Regulators as required by law
• Fraud prevention & analytics vendors

We do not sell or trade your personal data.

5. Cookies & Tracking

We use cookies to secure sessions, analyze traffic, and personalize experience. You can disable cookies via browser settings, but some features may be limited.

6. Data Security

We implement encryption, PCI-DSS protocols, multi-layer access controls, and audits. Only authorized personnel have access.

7. Data Retention

We retain your data as long as your account is active, as required by law (minimum 7 years), or for dispute and compliance purposes.

8. Cross-Border Data Transfer

If data is transferred outside Nigeria, we ensure secure processing under NDPR and to countries with adequate protection or with your explicit consent.

9. Your Rights

• Access, modify or delete data
• Withdraw consent anytime
• Object to marketing
• Request portability
• Lodge complaints to NITDA

10. Changes to Policy

Policy updates will be communicated via email or app notification.

Need Assistance or Have Questions?

We're here to help. Reach out to us anytime via email or visit our website for support and updates.

DojaPay Technologies Ltd · RC: [Insert Registration No.]
📧 support@dojapay.com | 🌐 www.dojapay.com