Terms of Service

Master Service Agreement governing the use of Payefy.

Last Updated: January 10, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding contract between you ("User") and Payefy. By accessing our platform, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you are accessing the Services on behalf of a Faculty, Department, or Business, you represent that you have the authority to bind that entity to these Terms.


2. Academic Integrity Clause

Payefy is an academic-financial tool. You strictly agree NOT to:

  • Use the platform to facilitate payment for "sorting," bribery, or academic malpractice.
  • Attempt to forge, alter, or manipulate digital receipts generated by the system.
  • Register using a false Matriculation Number or impersonate another student.

Violation of this clause will result in immediate account termination and a formal report to the Student Disciplinary Committee (SDC) and the Security Unit.


3. Account Security

You are responsible for safeguarding your password and Two-Factor Authentication (2FA) codes. You agree not to disclose your password to any third party. You are fully responsible for any activities or actions under your account, whether or not you have authorized such activities. Payefy cannot and will not be liable for any loss or damage arising from your failure to comply with this requirement.


4. Intellectual Property

The Service and its original content (excluding Content provided by users), features, and functionality (including but not limited to the "Payefy Settlement Engine," the codebase, UI design, and logos) are and will remain the exclusive property of Payefy and its licensors. Our trademarks may not be used in connection with any product or service without the prior written consent of Payefy.


5. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Payefy, its affiliates, agents, directors, employees, suppliers, or licensors be liable for any indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or relating to the use of, or inability to use, this service.


6. Force Majeure

Payefy shall not be liable for any failure to perform its obligations hereunder where such failure results from any cause beyond Payefy's reasonable control, including, without limitation, mechanical, electronic or communications failure (including "line-noise" interference), acts of God, banking network downtime (NIBSS/Interswitch failures), strikes, or government action.


7. Dispute Resolution

Any dispute arising out of or in connection with these Terms, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved by arbitration under the Arbitration and Conciliation Act Cap A18 Laws of the Federation of Nigeria 2004. The seat of arbitration shall be Ado-Ekiti, Nigeria.

Require further clarification?

Our legal and support teams are available to address compliance inquiries.