1. Introduction
Welcome to Payla. These Terms of Service (“Terms”) govern your access to and use of the Payla platform, website, mobile applications, products, and financial services (collectively, the “Services”). By accessing or using Payla, you agree to be bound by these Terms. If you do not agree, please do not use our Services.
2. About Payla
Payla is a financial technology platform that enables freelancers, creators, remote workers, and digital businesses to: • Receive international payments • Use payment links • Manage NGN and USD balances • Make transfers and payments • Access financial tools and services Payla is not a bank unless otherwise stated through licensed banking partnerships.
3. Eligibility
To use Payla, you must: • Be at least 18 years old • Provide accurate and complete information • Have the legal capacity to enter into binding agreements • Comply with applicable laws and regulations Payla reserves the right to refuse or terminate access to any user at its discretion.
4. Account Registration
Users may be required to create an account and complete identity verification (“KYC”). You agree to: • Provide truthful information • Keep your login credentials secure • Notify us immediately of unauthorized access You are responsible for activities conducted through your account.
5. Services Provided
Payla may provide: • Multi-currency wallets • Payment links • Virtual cards • Local and international transfers • Bill payment services • Crypto-related services (where available) Features may vary depending on jurisdiction, regulations, and partnerships.
6. Payment Processing
By using Payla: • You authorize us to process transactions on your behalf • Transactions may be subject to reviews, verification, or delays • We may decline or reverse transactions where necessary for compliance or security reasons Payla is not responsible for delays caused by banks, payment networks, or third-party providers.
7. Fees & Charges
Payla may charge fees for: • Transactions • Currency conversion • Virtual cards • Withdrawals • Premium features Applicable fees will be displayed before transactions are completed.
8. Refunds & Reversals
Payments made through Payla are generally final. Refunds may only occur: • In cases of duplicate transactions • Unauthorized activity investigations • Failed transactions • Mutual agreement between parties Payla reserves the right to investigate and determine eligibility for refunds.
9. Disputes
Users are encouraged to resolve disputes directly. Where necessary, Payla may assist in reviewing disputes, but: • We do not guarantee outcomes • We are not liable for contractual disagreements between users and third parties Users must provide sufficient evidence during investigations.
10. Prohibited Activities
Users must not use Payla for: • Fraudulent activities • Money laundering • Terrorism financing • Illegal goods or services • Unauthorized access or abuse of the platform • Harmful, deceptive, or unlawful conduct Violation may result in: • Account suspension • Fund restrictions • Legal reporting
11. Compliance & Verification
Payla complies with applicable: • KYC (Know Your Customer) requirements • AML (Anti-Money Laundering) regulations • Fraud prevention obligations We may request additional information at any time.
12. Crypto Services (Future/Optional)
Where crypto services are available: • Cryptocurrency transactions may involve risks and volatility • Users are solely responsible for crypto-related decisions • We may request additional information at any time Payla does not guarantee the value or performance of digital assets. Availability may depend on jurisdictional laws.
13. Intellectual Property
All Payla branding, software, content, logos, and designs are owned by Payla or its licensors. Users may not copy, modify, distribute, or reverse engineer without written permission.
14. Suspension & Termination
Payla may suspend or terminate accounts if: • Terms are violated • Fraud is suspected • Required verification is not completed • Regulatory obligations require action Users may also close their accounts subject to applicable obligations.
15. Limitation of Liability
To the fullest extent permitted by law, Payla shall not be liable for: • Indirect damages • Lost profits • Service interruptions • Third-party failures • Unauthorized access beyond reasonable control Services are provided “as is” and “as available.”
16. Third Party Services
Payla may integrate with banks, payment processors, and external providers. We are not responsible for: • Third-party downtime • Errors • Policies • External service failures
17. Data Privacy
Your use of Payla is also governed by our Privacy Policy, which explains how your information is collected and used.
18. Changes to These Terms
Payla may update these Terms periodically. Continued use of the Services after updates constitutes acceptance of the revised Terms.
19. Governing Law
These Terms shall be governed by the laws of the Federal Republic of Nigeria unless otherwise required by applicable international regulations.
20. Contact Information
For questions regarding these Terms: • Email: support@getpayla.co • Company: Payla • Location: Nigeria Acceptance By creating an account or using Payla, you acknowledge that you have read, understood, and agreed to these Terms of Service.
If you have any questions about these Terms, contact support@getpayla.co.