Welcome to ChiwawaPay P2P ("ChiwawaPay," "we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of the ChiwawaPay P2P platform, including our website, mobile application, and related services (collectively, the "Services").

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

2. Eligibility

To use ChiwawaPay P2P, you must:

Be at least 18 years old or the age of legal majority in your jurisdiction.

Have the legal capacity to enter into a binding agreement.

Provide accurate, complete, and current information during registration.

Comply with all applicable laws and regulations.

We reserve the right to refuse or terminate access to our Services if you do not meet these requirements.

3. Account Registration

You are responsible for maintaining the confidentiality of your account credentials.

You agree to:

Provide truthful and accurate information.

Keep your login credentials secure.

Notify us immediately of any unauthorized access or suspected security breach.

Be responsible for all activities conducted through your account.

4. Identity Verification

To comply with applicable laws and prevent fraud, we may require you to complete identity verification (Know Your Customer (KYC)) before accessing certain features.

Failure to complete verification may limit or prevent your use of our Services.

5. Description of Services

ChiwawaPay P2P provides a platform that enables users to send, receive, and manage peer-to-peer payments.

We facilitate transactions but are not a party to agreements between users unless expressly stated.

Certain features may be modified, suspended, or discontinued without prior notice where permitted by law.

6. User Responsibilities

You agree to use the Services responsibly and lawfully.

You must not:

Use the platform for illegal or fraudulent activities.

Attempt to gain unauthorized access to our systems.

Interfere with the operation or security of the platform.

Upload malicious software or harmful code.

Impersonate another individual or organization.

Use the Services to finance unlawful activities, including money laundering or terrorist financing.

7. Transactions

Users are responsible for ensuring that payment details are accurate before confirming transactions.

Once a transaction has been completed, it may not be reversible except where required by law or where ChiwawaPay determines that a reversal is appropriate.

We reserve the right to delay, reject, suspend, or cancel transactions where fraud, security concerns, or legal requirements are involved.

8. Fees

Certain Services may be subject to fees.

Where applicable:

Fees will be disclosed before you complete a transaction.

By using the Service, you agree to pay all applicable fees.

Fees may change from time to time with reasonable notice.

9. Suspensions and Account Termination

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

You violate these Terms.

We suspect fraud or unauthorized activity.

We are required to do so by law or regulatory authorities.

Your actions create risk for ChiwawaPay or other users.

You may close your account at any time, subject to the settlement of outstanding obligations.

10. Intellectual Property

All content, trademarks, logos, software, graphics, and other materials available through ChiwawaPay are the property of ChiwawaPay or its licensors.

You may not reproduce, modify, distribute, reverse engineer, or exploit any part of the Services without prior written permission.

11. Privacy

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

12. Service Availability

While we strive to provide uninterrupted access, we do not guarantee that the Services will always be available or free from errors.

Maintenance, technical issues, internet disruptions, or circumstances beyond our control may affect availability.

13. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis.

To the maximum extent permitted by law, ChiwawaPay disclaims all warranties, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

14. Limitation of Liability

To the fullest extent permitted by law, ChiwawaPay shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Services.

Our total liability for any claim arising from these Terms shall not exceed the amount of fees, if any, paid by you to ChiwawaPay for the specific Service giving rise to the claim.

Nothing in these Terms excludes liability that cannot be excluded under applicable law.

15. Indemnification

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

Your violation of these Terms.

Your misuse of the Services.

Your violation of applicable laws or the rights of another person.

16. Changes to These Terms

We may update these Terms from time to time.

Material changes will be communicated through the website, mobile application, or other appropriate means. Continued use of the Services after the changes become effective constitutes acceptance of the revised Terms.

17. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the jurisdiction in which ChiwawaPay operates, unless otherwise required by applicable law.

18. Contact Us

If you have any questions regarding these Terms of Service, please contact ChiwawaPay using the contact information provided on our website or mobile application.