Terms, Conditions & Privacy Policy

Terms & Conditions

Introduction

Welcome to EmrraPay, a product of Emrra Devs. By accessing or using our services, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our services.

Emrrapay is a digital platform that empowers businesses to create virtual accounts for their customers, providing efficient tools to manage and streamline payment workflows.

It’s important to note that Emrrapay itself does not directly process payments or handle funds. Instead, we operate through a strategic partnership with a reputable and fully licensed payment provider in Nigeria. This provider is responsible for all regulated payment processing activities, ensuring compliance with Nigerian financial regulations.

Through secure API integration, Emrrapay connects with this licensed provider to generate virtual accounts and facilitate transactions.

Our platform focuses solely on delivering technology solutions to our clients, while the licensed provider manages all aspects of payment processing, regulatory compliance, and account security.

Emrrapay’s role is to ensure a seamless interface for businesses, backed by the highest standards of data protection and transparency in partnership with our licensed payment processor.

Services Provided

We provide businesses with virtual account numbers to facilitate payment receipt from customers. The virtual account numbers are issued solely for business use and are not transferable.

Eligibility

To use our services, you must be a registered business entity and legally authorized to engage in financial transactions within your jurisdiction.

Account Registration

In order to access the services, you must create an account with us by providing accurate and up-to-date information. You agree to maintain the confidentiality of your account credentials and are solely responsible for any activities under your account.

Fraudulent and Illegal Activities

You agree not to engage in any activities that involve fraudulent or illegal actions. Specifically, you must not:

• Provide false or misleading information during registration, payment, or any transaction.
• Use our services for any unlawful purpose, including but not limited to money laundering, financing terrorism, or engaging in any activity that violates any local, national, or international laws.
• Engage in fraudulent transactions, including unauthorized use of credit/debit cards or payment methods.
• Use the virtual account numbers to facilitate the purchase or sale of illegal goods or services, including counterfeit items, narcotics, weapons, or any other products that are prohibited by law.
• Impersonate or mislead others regarding your identity or business entity.

We reserve the right to suspend or terminate any account that we suspect is engaged in fraudulent or illegal activities. We will cooperate fully with law enforcement agencies in the investigation of such activities.

Fees & Payments

We charge a fee for the use of our services. Fees will be clearly outlined and subject to change with prior notice. By using our services, you agree to pay the applicable fees and charges associated with your account.

Limitation of Liability

We are not liable for any direct, indirect, incidental, special, or consequential damages arising from your use or inability to use our services. Our total liability will not exceed the amount you have paid to us in the past 12 months for services rendered.

Termination

We reserve the right to suspend or terminate your account if you breach these Terms and Conditions or engage in activities that could harm the integrity of our services.

Changes to Terms

We may update these Terms and Conditions from time to time. Any changes will be posted on this page, and the revised terms will take effect immediately upon publication.

Governing Law

These Terms and Conditions will be governed by and construed in accordance with the laws of the Center bank of Nigeria, without regard to its conflict of law principles.

Privacy Policy

Introduction

Your privacy is important to us. This Privacy Policy outlines how we collect, use, and protect your personal information when you use our services.

Information We Collect

We collect personal information that is necessary to provide our services, including:

• Your business name, contact details, and registration information.
• Financial information necessary to facilitate payments.
• Usage data related to your interaction with our services.

How We Use Your Information

We use your information to:

• Provide and manage your account and services.
• Process transactions and payments.
• Communicate with you regarding service updates or issues.
• Improve our services and customer experience.

Data Security

We implement industry-standard security measures to protect your personal data. However, we cannot guarantee the absolute security of your data as no method of electronic storage is 100% secure.

Sharing Your Information

We do not sell, trade, or rent your personal information to third parties. However, we may share information with trusted partners who assist us in operating our services or complying with legal obligations.

Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this policy, or as required by law.

Your Rights

You have the right to:

• Access, correct, or delete your personal information.
• Object to the processing of your personal data under certain circumstances.
• Request that we stop sending you promotional communications.

Cookies and Tracking Technologies

We may use cookies or similar tracking technologies to enhance your experience. You can manage or disable cookies through your browser settings.

Changes to Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.

Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact us at info@emrrapay.com