Terms and Conditions

Welcome to ValourPay. These Terms and Conditions (“Terms”) govern your use of our platform, website, and services (collectively, the “Service”). By accessing or using the Service, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please do not use our Service.

Please read these Terms carefully. They include important information about your rights, obligations, and limitations. 

Acceptance of Terms

By accessing or using any part of ValourPay’s platform, you agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with any part of these Terms, you are prohibited from using or accessing the Service.

Eligibility

To use ValourPay, you must:

• Be at least 18 years old, or the legal age of majority in your jurisdiction.
• Have the legal authority to enter into this agreement and comply with these Terms.
• Provide accurate and complete registration information when creating an account with us.

Account Registration and Security

• When you register an account on ValourPay, you agree to:
• Provide accurate, current, and complete information during registration.
• Maintain the security and confidentiality of your login credentials.
• Notify us immediately if you suspect any unauthorized access or use of your account.
• Be responsible for all activities that occur under your account.

ValourPay reserves the right to suspend or terminate your account if any information provided during the registration process or thereafter is inaccurate, false, or misleading.

Use of the Service

You agree to use ValourPay’s Service only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of the Service by any third party. You may not:

• Use the Service for any illegal or unauthorized purpose.
• Engage in any activity that could damage, disable, or impair the Service.
• Attempt to gain unauthorized access to any part of the Service, user accounts, or systems.
• Use automated scripts, bots, or other automated means to access the Service without permission.

We reserve the right to restrict or terminate your access to the Service if we suspect or detect any activity that violates these Terms.

Fees and Payments

ValourPay may charge fees for certain services. By using our platform, you agree to pay any applicable fees as set forth during the transaction process. All fees are non-refundable unless otherwise stated in a specific policy or agreement. 

• Payment Methods: You must provide accurate payment information when completing a transaction. ValourPay supports multiple payment methods, including direct bank transfers and other electronic payment options.
• Currency Exchange: If you conduct currency conversions on the platform, the exchange rate will be determined by ValourPay or a third-party service provider at the time of the transaction.

You are responsible for any additional fees imposed by your bank or payment processor concerning transactions made through our platform.

Transaction Policies

ValourPay facilitates seamless transactions, including cross-border and currency swaps. By conducting any transactions through the Service, you agree to:

• Review and confirm the details of each transaction carefully before proceeding.
• Understand that once a transaction is initiated, it cannot be reversed.
• Be responsible for any taxes, fees, or charges imposed on the transaction by your country or jurisdiction.

We reserve the right to place holds or limits on your transactions as required by law or for fraud prevention purposes.

Privacy Policy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your personal data. By using ValourPay, you consent to the collection and use of your information as described in the Privacy Policy.

Intellectual Property Rights

All content, features, functionality, and software on the ValourPay platform, including but not limited to text, graphics, logos, and software, are the property of ValourPay or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not:

• Reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any of the ValourPay content without our express written permission.
• Reverse engineer, decompile or disassemble any of the software used in the Service.

Third-Party Services

ValourPay may contain links to third-party websites, services, or resources. We are not responsible for the content, accuracy, or availability of these third-party resources, nor do we endorse them. If you access third-party services through our platform, you do so at your own risk, and any interactions are subject to the third party’s terms and conditions.

Limitation of Liability

To the fullest extent permitted by applicable law, ValourPay and its affiliates, directors, employees, or agents shall not be liable for any indirect, incidental, special, or consequential damages, including but not limited to:

• Loss of profits, data, goodwill, or other intangible losses.
• Errors, mistakes, or inaccuracies of the content or services.
• Personal injury or property damage resulting from your use of the Service.

Our liability, if any, will be limited to the amount you paid to ValourPay in connection with the use of the Service within the last 12 months.

Disclaimer of Warranties

The Service is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, ValourPay disclaims all warranties, whether express or implied, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, and noninfringement.
• That the Service will meet your requirements, be uninterrupted, secure, or error-free.

You assume full responsibility for your use of the Service and any consequences that arise from it.

Indemnification

You agree to indemnify and hold ValourPay, its affiliates, employees, and agents harmless from any claims, damages, liabilities, costs, or expenses (including legal fees) arising from:

• Your use of the Service.
• Your violation of these Terms.
• Any unlawful activity conducted through your account.

Modifications to the Service and Terms

We reserve the right to modify or discontinue any part of the Service, either temporarily or permanently, at any time and without prior notice. We may also update these Terms from time to time. Any changes will be effective upon posting on our platform. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.

Termination

ValourPay reserves the right to terminate or suspend your access to the Service, with or without cause, at any time. Upon termination:

• Your right to use the Service will immediately cease.
• Any outstanding obligations, such as payment of fees or indemnities, will remain in effect.
• You must delete any accountrelated data or content you have obtained through the Service.

Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of The Federal Republic of Nigeria. Any disputes arising from these Terms or your use of the Service will be subject to the exclusive jurisdiction of the courts in The Federal Republic of Nigeria.

Contact Information

If you have any questions or concerns about these Terms, please contact us at: legal@valourpay.com

Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated herein, constitute the entire agreement between you and ValourPay with respect to your use of the Service. These Terms supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and ValourPay.