Terms of Service
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Welcome to UniPay. These Terms of Service ("Terms") govern your access to and use of UniPay's services, including our website, APIs, and mobile applications (collectively, the "Services"). By using our Services, you agree to these Terms.
1. Acceptance of Terms
By accessing and using UniPay's payment processing services, you accept and agree to be bound by the terms and provisions outlined in this agreement. If you are using our Services on behalf of an organization, you are agreeing to these Terms for that organization and confirming that you have the authority to bind that organization to these Terms.
2. Service Description
UniPay is a technology service provider offering payment gateway aggregation services that allow merchants to accept payments via multiple channels including MTN Mobile Money, Airtel Money, and MarzPay. We are not a bank or financial institution, but a technology provider facilitating payment processing between merchants, customers, and financial service providers.
Our Services include:
- Payment processing and transaction management
- API integration for merchants
- Dashboard and analytics tools
- Customer support and dispute resolution assistance
- Settlement and payout services
3. Account Registration and Security
To use our Services, you must register for an account and provide accurate, complete, and current information. You are responsible for:
- Maintaining the confidentiality of your account credentials
- All activities that occur under your account
- Promptly notifying us of any unauthorized access or security breaches
- Ensuring your account information remains accurate and up-to-date
4. Fees and Payments
Our fees are outlined in our pricing page. By using our Services, you agree to pay all applicable fees. We reserve the right to modify our fees with 30 days' notice. All fees are exclusive of taxes, which you are responsible for paying where applicable.
5. Prohibited Activities
You may not use UniPay for:
- Illegal activities or transactions
- Gambling, betting, or casino operations
- Fraudulent schemes or money laundering
- Sale of prohibited goods or services
- Activities that violate intellectual property rights
- High-risk businesses without prior authorization
We reserve the right to suspend or terminate any account violating these rules and report suspicious activities to relevant authorities.
6. Intellectual Property
All intellectual property rights in the Services, including software, trademarks, and content, are owned by UniPay or our licensors. You are granted a limited, non-exclusive, non-transferable license to use our Services in accordance with these Terms.
7. Limitation of Liability
To the maximum extent permitted by law, UniPay shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities arising from your use of the Services.
8. Termination
We may suspend or terminate your access to the Services at any time for violation of these Terms. You may terminate your account at any time by contacting our support team.
9. Governing Law
These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law principles.
10. Changes to Terms
We may modify these Terms at any time. We will provide notice of material changes through our website or email. Your continued use of the Services constitutes acceptance of the modified Terms.
Privacy Policy
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This Privacy Policy explains how UniPay collects, uses, discloses, and safeguards your information when you use our Services. We are committed to protecting your privacy and handling your data transparently and securely.
1. Information We Collect
We collect the following types of information:
1.1 Personal Information
- Account Information: Name, email address, phone number, business details
- Payment Information: Transaction details, payment method information, billing address
- Identification: Government-issued ID for KYC verification
- Contact Information: Address, phone number, email
1.2 Technical Information
- IP addresses and device information
- Browser type and version
- Operating system
- Usage data and analytics
- Cookies and similar technologies
1.3 Transaction Information
- Payment amounts and currencies
- Transaction dates and times
- Payment method details
- Customer information (for merchant transactions)
2. How We Use Your Information
We use your information for:
- Providing and improving our Services
- Processing payments and transactions
- Verifying identity and preventing fraud
- Communicating with you about our Services
- Complying with legal obligations
- Analyzing usage patterns to improve our Services
3. Data Sharing and Disclosure
We may share your information with:
- Payment Processors: To complete transactions
- Financial Institutions: For settlement and compliance
- Service Providers: For hosting, analytics, and support
- Legal Authorities: When required by law or to prevent fraud
- Business Transfers: In connection with mergers or acquisitions
We do not sell your personal data to third parties.
4. Data Security
We implement industry-standard security measures including:
- 256-bit SSL encryption for data transmission
- PCI DSS Level 1 compliance
- Regular security audits and penetration testing
- Access controls and authentication mechanisms
- Data encryption at rest
5. Data Retention
We retain your information for as long as necessary to provide our Services, comply with legal obligations, resolve disputes, and enforce our agreements. Transaction data is typically retained for 7 years to comply with financial regulations.
6. Your Rights
Depending on your location, you may have the right to:
- Access your personal data
- Correct inaccurate data
- Request deletion of your data
- Restrict or object to data processing
- Data portability
- Withdraw consent
To exercise these rights, contact us at privacy@unipay.kamilsmmpanel.store.
7. International Data Transfers
Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for international data transfers.
8. Cookies and Tracking
We use cookies and similar technologies to enhance your experience, analyze usage, and deliver personalized content. You can control cookie settings through your browser.
9. Children's Privacy
Our Services are not intended for children under 18. We do not knowingly collect information from children under 18.
10. Changes to This Policy
We may update this Privacy Policy periodically. We will notify you of significant changes through our website or email.
GDPR & Compliance
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UniPay is committed to complying with data protection regulations including the General Data Protection Regulation (GDPR), and other applicable data protection laws.
GDPR Compliance
As a data controller and processor, we adhere to GDPR principles:
| GDPR Principle |
Our Implementation |
| Lawfulness, Fairness & Transparency |
Clear privacy notices, legitimate basis for processing |
| Purpose Limitation |
Data collected for specific, explicit purposes |
| Data Minimization |
Only necessary data collected and processed |
| Accuracy |
Regular data validation and correction processes |
| Storage Limitation |
Data retained only as long as necessary |
| Integrity & Confidentiality |
Robust security measures and access controls |
| Accountability |
Documented processes and compliance records |
Data Processing Agreement (DPA)
We offer a Data Processing Agreement for customers who require it under GDPR. To request a DPA, contact our legal team.
International Data Transfers
We use Standard Contractual Clauses (SCCs) and other approved mechanisms for international data transfers outside the EEA.
Data Protection Officer
Our Data Protection Officer can be contacted at:
dpo@unipay.kamilsmmpanel.store
Security Policies
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Security is fundamental to our Services. We implement comprehensive security measures to protect your data and ensure safe transactions.
PCI DSS Compliance
We maintain PCI DSS Level 1 compliance, the highest level of certification in the payment industry. Our compliance includes:
- Regular security assessments and audits
- Network security controls and monitoring
- Vulnerability management program
- Strong access control measures
- Security policy development and maintenance
Encryption Standards
We use industry-leading encryption:
- In Transit: TLS 1.2/1.3 with 256-bit encryption
- At Rest: AES-256 encryption for stored data
- Key Management: Hardware Security Modules (HSMs)
Access Controls
Strict access controls including:
- Multi-factor authentication for all administrative access
- Role-based access controls (RBAC)
- Regular access reviews and audits
- Principle of least privilege
Incident Response
We maintain an incident response plan including:
- 24/7 security monitoring
- Automated threat detection
- Incident response team
- Regular security training for staff
- Mandatory breach notification procedures
Acceptable Use Policy
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This Acceptable Use Policy outlines prohibited uses of UniPay Services. Violation of this policy may result in suspension or termination of your account.
Prohibited Activities
You may not use our Services for:
1. Illegal Activities
- Money laundering or terrorist financing
- Fraudulent transactions
- Sale of illegal goods or services
- Violations of financial regulations
2. High-Risk Businesses
- Gambling or betting services
- Adult content or services
- Pharmaceuticals without proper licensing
- Cryptocurrency exchanges (without approval)
3. Security Violations
- Attempting to breach our security measures
- Distributing malware or viruses
- Unauthorized access to systems or data
- Denial of service attacks
4. Spam and Abuse
- Sending unsolicited communications
- Harassment or threats
- Collection of personal data without consent
- Impersonation or misrepresentation
Reporting Violations
To report violations of this policy, contact us at:
abuse@unipay.kamilsmmpanel.store
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Need help understanding our policies? Contact our legal team