Terms and Conditions

1. Introduction

Welcome to Grinpay, a financial technology platform owned and operated by Grinpay Connect Ltd, a company registered in the Federal Republic of Nigeria.

These Terms & Conditions govern your access to and use of the Grinpay website, mobile application, APIs, and all related services.

By accessing or using Grinpay, you acknowledge that you have read, understood, and agreed to be bound by these Terms. If you do not agree to these Terms, you must not use our Services.

2. Definitions

For the purpose of these Terms:

"Grinpay" refers to the Grinpay platform operated by Grinpay Connect Ltd.

"User" means any individual or business using our Services.

"Transaction" means any payment, transfer, collection, settlement, or currency conversion processed through Grinpay.

"Business Day" means any day excluding weekends and public holidays in the relevant jurisdiction.

"Partner" means any licensed bank, payment processor, mobile money operator, or financial institution that provides services to Grinpay.

3. Eligibility

To use Grinpay you must:

• Be at least 18 years old.
• Have the legal capacity to enter into binding agreements.
• Provide accurate and complete information.
• Comply with all applicable laws and regulations.

Businesses using Grinpay must be legally registered in their country of operation where required.

4. Our Services

Grinpay provides technology that enables users to:

• Collect payments.
• Send money.
• Receive money.
• Facilitate cross-border payments.
• Convert supported currencies.
• Process business payments.
• Settle transactions through licensed financial partners.

Grinpay may add, modify, suspend, or discontinue any service without prior notice where necessary.

5. Supported Countries

Grinpay currently intends to support users in:

• Nigeria
• Benin
• Burkina Faso
• Côte d'Ivoire
• Guinea-Bissau
• Mali
• Niger
• Senegal
• Togo

Support for additional countries may be introduced over time.

6. Supported Currencies

Grinpay currently supports:

• Nigerian Naira (NGN)
• West African CFA Franc (XOF)

Additional currencies may be introduced in the future.

7. Account Registration

Users may be required to create an account before accessing certain Services.

You agree to:

• Provide truthful information.
• Keep your information up to date.
• Maintain the confidentiality of your login credentials.
• Notify Grinpay immediately if you suspect unauthorized access to your account.

You are responsible for all activities conducted through your account.

8. Identity Verification (KYC)

To comply with regulatory requirements, Grinpay may require users to provide:

• Full legal name
• Date of birth
• Phone number
• Email address
• Government-issued identification
• Selfie verification
• Proof of address where necessary
• Additional information requested by regulators or payment partners

Grinpay reserves the right to suspend or refuse services until verification is successfully completed.

9. Anti-Money Laundering (AML)

Grinpay complies with applicable Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), and Know Your Customer (KYC) regulations.

We may:

• Monitor transactions.
• Conduct sanctions screening.
• Request additional documentation.
• Delay or reject suspicious transactions.
• Report suspicious activities to competent authorities where required by law.

10. Exchange Rates

Where currency conversion is available:

• Exchange rates are determined using market conditions and our liquidity providers.
• Rates may change without prior notice.
• Applicable fees and exchange rates will be disclosed before the transaction is confirmed whenever practicable.

Grinpay does not guarantee any future exchange rate.

11. Transaction Processing

Processing times depend on:

• Banks
• Mobile Money Operators
• Payment Partners
• Regulatory checks
• Compliance reviews

While Grinpay strives to process transactions promptly, delays beyond our control may occur.

12. Transaction Finality

Once a transaction has been:

• Authorized,
• Processed, and
• Successfully settled,

it is considered final and generally cannot be reversed except:

• where required by law,
• due to technical error, ,
• or where Grinpay determines a reversal is appropriate.

13. Fees

Grinpay may charge:

• Transaction fees
• Currency conversion fees
• Withdrawal fees
• Service charges

Applicable fees will be communicated through our website, application, or pricing schedule.

14. User Responsibilities

Users agree to:

• Use Grinpay lawfully.
• Provide accurate recipient information.
• Protect account credentials.
• Comply with applicable regulations.
• Report suspicious activity immediately.

Users are responsible for ensuring recipient details are accurate before confirming any transaction.

15. Prohibited Activities

Users may not use Grinpay for:

• Fraud
• Money laundering
• Terrorist financing
• Human trafficking
• Illegal gambling
• Cryptocurrency scams
• Sanctions evasion
• Identity theft
• Stolen funds
• Any unlawful activity

Violation of this section may result in immediate account suspension.

16. Suspension or Termination

Grinpay may suspend or terminate accounts where:

• Fraud is suspected.
• Required KYC information is not provided.
• Laws or regulations require suspension.
• These Terms are violated.

17. Intellectual Property

All trademarks, logos, software, content, and intellectual property on Grinpay remain the exclusive property of Grinpay Connect Ltd unless otherwise stated.

No content may be copied or reproduced without prior written consent.

18. Third-Party Services

Grinpay works with licensed third-party providers including:

• Banks
• Mobile Money Operators
• Payment Processors
• Technology Providers

Grinpay is not responsible for delays or failures caused by third-party providers beyond its reasonable control.

19. Disclaimer

Grinpay provides its Services on an "as available" and "as is" basis.

While we strive for uninterrupted service, we do not guarantee that our platform will always be available or error-free.

20. Limitation of Liability

To the maximum extent permitted by applicable law, Grinpay shall not be liable for indirect, incidental, consequential, or special damages arising from the use of our Services.

Nothing in these Terms limits liability where such limitation is prohibited by law.

21. Privacy

Your use of Grinpay is also governed by our Privacy Policy, which explains how we collect, use, store, and protect your personal information.

22. Changes to These Terms

Grinpay reserves the right to modify these Terms at any time.

Material changes will be communicated through our website, application, or other appropriate channels.

Continued use of our Services after changes take effect constitutes acceptance of the updated Terms.

23. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the Federal Republic of Nigeria, without prejudice to any mandatory consumer protection laws applicable in the jurisdictions where Grinpay operates.

24. Contact Us

For questions regarding these Terms & Conditions, please contact:

Grinpay Connect Ltd

📧 support@grinpayconnect.com

Website: https://grinpayconnect.com