Terms and Conditions

Welcome to FimiPay. These Terms of Service ("Terms") govern your access to and use of the FimiPay platform, website, APIs, applications, payment services, verification services, and related products and services (collectively, the "Services").

By creating an account, accessing, or using FimiPay Services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Services.

1. About FimiPay

FimiPay is a financial technology platform that provides payment infrastructure, payment collection services, merchant tools, APIs, account verification services, and related technology solutions.

FimiPay is not a bank and does not provide banking services unless expressly stated.

2. Eligibility

To use the Services, you must:

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

If you use the Services on behalf of a business or organization, you represent that you have authority to bind that entity to these Terms.

3. Account Registration

Certain Services require account registration.

You agree to:

• Provide accurate and complete information.
• Maintain updated account details.
• Protect your login credentials.
• Notify FimiPay immediately of unauthorized account access.

You are responsible for all activity conducted through your account.

4. Identity Verification

To comply with regulatory requirements and maintain platform security, FimiPay may require identity verification.

Verification may include:

• National ID (NIDA)
• Passport
• Driver's License
• Residence Permit
• Business Documents
• Tax Information
• Selfie Verification
• Additional supporting documents

Failure to complete verification may limit or prevent access to certain Services.

5. Selfie and Identity Verification

To prevent fraud and verify identity, FimiPay may collect and process selfies and government-issued identification documents.

By submitting verification information, you consent to FimiPay:

• Collecting and processing your verification information.
• Comparing selfies against identity documents.
• Using automated and manual verification processes.
• Retaining verification records as required by law.
• Requesting additional verification where necessary.

Verification information may be used for:

• Fraud prevention.
• Security monitoring.
• Compliance obligations.
• Identity authentication.
• Risk management.

Failure to provide requested information may result in account restrictions or termination.

6. Acceptable Use

You agree not to:

• Use the Services for unlawful purposes.
• Engage in fraud or deceptive practices.
• Attempt unauthorized access to systems.
• Interfere with platform operations.
• Distribute malware or harmful code.
• Violate intellectual property rights.
• Circumvent security measures.

7. Prohibited Activities

You may not use FimiPay for:

• Money laundering.
• Terrorist financing.
• Illegal gambling.
• Counterfeit goods.
• Unauthorized financial services.
• Pyramid or Ponzi schemes.
• Fraudulent activities.
• Activities prohibited by applicable law.

FimiPay reserves the right to suspend or terminate accounts engaged in prohibited activities.

8. Payment Services

FimiPay provides technology that facilitates payment processing.

You acknowledge that:

• Transactions may be reviewed for compliance and security purposes.
• Payment processing may involve third-party providers.
• Transaction processing times may vary.
• Certain transactions may be delayed, reversed, or declined.

FimiPay does not guarantee that every transaction will be completed successfully.

9. Fees and Charges

Some Services may be subject to fees.

Applicable fees may include:

• Transaction fees.
• Processing fees.
• Withdrawal fees.
• Subscription fees.
• Service charges.

Fees may be deducted directly from transaction proceeds, settlements, or account balances where applicable.

10. Refunds and Disputes

Merchants are responsible for managing customer refunds and resolving disputes.

FimiPay may:

• Reverse transactions.
• Deduct disputed amounts.
• Delay settlements.
• Recover associated costs and fees.

Users agree to cooperate with investigations relating to disputes and chargebacks.

11. User Responsibilities

You agree to:

• Maintain accurate account information.
• Protect your account credentials.
• Use the Services lawfully.
• Comply with applicable regulations.
• Report suspicious activity promptly.

You are responsible for all actions taken through your account.

12. Privacy and Data Protection

FimiPay may collect and process personal information necessary to provide Services.

Information collected may include:

• Name.
• Phone number.
• Email address.
• Identification documents.
• Selfie images.
• Business information.
• Transaction information.
• Device information.

Information is processed for:

• Service delivery.
• Identity verification.
• Fraud prevention.
• Security monitoring.
• Regulatory compliance.

13. Intellectual Property

All rights, title, and interest in the Services remain the exclusive property of FimiPay and its licensors.

You may not:

• Copy.
• Modify.
• Reproduce.
• Distribute.
• Reverse engineer.
• Resell.

any part of the Services without written permission.

14. API Usage

Developers using FimiPay APIs agree to:

• Secure API credentials.
• Follow integration guidelines.
• Respect rate limits.
• Implement appropriate security controls.

FimiPay may suspend API access for misuse, abuse, or security concerns.

15. Service Availability

FimiPay strives to provide reliable Services but does not guarantee uninterrupted availability.

Service interruptions may occur due to:

• Maintenance.
• Technical failures.
• Third-party provider outages.
• Regulatory actions.
• Events beyond reasonable control.

16. Suspension and Termination

FimiPay may suspend, restrict, or terminate your account if:

• You violate these Terms.
• Fraud is suspected.
• Verification requirements are not met.
• Legal or regulatory obligations require action.
• Security risks are identified.

Termination does not remove obligations that arose before termination.

17. Limitation of Liability

To the maximum extent permitted by law, FimiPay shall not be liable for:

• Indirect damages.
• Consequential damages.
• Loss of profits.
• Loss of revenue.
• Business interruption.
• Data loss.
• Reputational harm.

FimiPay's total liability shall not exceed the total fees paid by the affected user during the six (6) months preceding the claim.

18. Indemnification

You agree to indemnify and hold harmless FimiPay, its affiliates, officers, directors, employees, contractors, and partners from any claims, liabilities, damages, losses, or expenses arising from:

• Your use of the Services.
• Violation of these Terms.
• Violation of applicable laws.
• Infringement of third-party rights.

Google Calendar and Google Meet (Consultation products)

When a merchant uses FimiPay's consultation product and connects Google Calendar, FimiPay requests only the narrower OAuth scope https://www.googleapis.com/auth/calendar.events.

We use this single, targeted scope to:

• Read the consultant's availability so clients can book a free slot without double-booking.
• Create a calendar event on the consultant's Google Calendar when a client books a specific session.
• Use the Calendar conferenceData feature within the same scope to generate a unique Google Meet link for that session automatically.

By connecting Google Calendar, the merchant authorises FimiPay to use this scope for consultation bookings as described above. Disconnecting Google Calendar from the FimiPay dashboard may prevent Meet links from being created for new bookings. Merchants remain responsible for their Google account security and for honouring bookings created through the Services. Meet quality and availability depend on Google's services.

FimiPay does not sell personal data and does not share Google user data with third parties for advertising or unrelated commercial purposes. Use of information received from Google APIs complies with the Google API Services User Data Policy, including the Limited Use requirements.

19. Changes to These Terms

FimiPay may modify these Terms at any time.

Updated Terms become effective upon publication on the FimiPay website or platform.

Your continued use of the Services constitutes acceptance of the revised Terms.

20. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the United Republic of Tanzania.

Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Tanzania.

21. Contact Information

FimiPay

Website: https://fimipay.com

Email: [email protected]

Acceptance

By creating an account, submitting verification documents, uploading a selfie, integrating the API, accessing the platform, or using any FimiPay Service, you acknowledge that you have read, understood, and agreed to these Terms of Service.