User Policy

Welcome to Paywint! This User Policy outlines the terms and conditions governing the use of Paywint’s platform by individual users (“Users”). By creating an account and using Paywint’s services, you agree to comply with the rules and guidelines below, ensuring a secure, efficient, and seamless experience for all.

1. Account Registration and Eligibility

Account Creation

  • Users must provide accurate and complete information during registration.
  • Phone or email can be used to create user accounts.
  • Users are responsible for keeping account details, including login credentials, secure and confidential.

Eligibility

  • Users must be at least 18 years old or meet the age requirements in their country of residence.
  • By registering, users confirm compliance with all applicable laws and regulations.
  • Registration constitutes agreement to Paywint’s terms and conditions as well as those of its partners.

KYC Verification

  • Users must complete KYC verification, which may take up to 1 business day. If additional verification is needed, Paywint reserves the right to extend the process.
  • Services will not be accessible while KYC verification is pending.
  • Failure to pass KYC verification will result in account blockage.

2. Services Provided

Platform Access

  • Paywint provides a secure, user-friendly platform for managing accounts, tracking activity, and accessing relevant features.
  • Paywint does not provide payment processing or hold funds. It acts as a platform to facilitate connections between users and businesses.

Paywint My Store

  • Users can browse and purchase products securely from participating businesses through the “Paywint My Store” feature.

Account Management

  • Users can monitor their account activity, manage preferences, and update information through their dashboard.

3. Fees and Charges Policy

  • Paywint does not charge users for accessing the platform’s core services.
  • Businesses using Paywint My Store may set their own product pricing and fees.
  • Any applicable fees for additional services will be clearly communicated before use.

    4. User Responsibilities

    Accurate Information

    • Users must provide accurate details during account setup and KYC verification.

    Prohibited Activities

    • Users must not engage in fraudulent, illegal, or unauthorized activities on the platform.
    • Violations may result in account suspension or termination.

    Compliance

    • Users are responsible for ensuring compliance with all applicable local laws and regulations.

    5. Refunds and Disputes

    Refund Policy

    • Refunds are subject to the policies of the businesses or service provider.
    • Paywint does not directly process refunds unless legally required.

    Dispute Resolution

    • Users must report disputes through Paywint’s support system.
    • Paywint will assist in disputes but does not guarantee a resolution in the user’s favor.

    6. Account Security

    Data Protection

    • Paywint employs advanced security measures to protect user data.

    Unauthorized Access

    • Users must notify Paywint immediately if unauthorized account access is suspected.

    7. Limitations of Liability

    Service Availability

    • Paywint strives for uninterrupted service but is not liable for delays, errors, or disruptions caused by technical issues or third-party service providers.

    Liability Waiver

    • Paywint is not responsible for losses due to unauthorized transactions, errors, or non-compliance with this policy.

    8. Policy Updates and Amendments

    Updates

    • Paywint reserves the right to update or amend this User Policy at any time.
    • Significant changes will be communicated via email or platform notifications.

    Continued Use

    • Continued use of Paywint services after updates constitutes acceptance of the revised policy.

    9. Termination of User Accounts

    Grounds for Termination

    • Violation of this policy or Paywint’s Terms and Conditions.
    • Engagement in fraudulent, illegal, or prohibited activities.

    Post-Termination

    • Upon termination, account access will be revoked, and any ongoing services will be suspended.

    10. Business Accounts

    • To open a business account, users must complete business verification, including submitting business registration documents and KYC details.
    • Business accounts provide access to additional features, including product listings in Paywint My Store.
    • Business accounts are subject to a separate Business Policy.

    11. Onboarding and Offboarding

    • Paywint reserves the right to determine the onboarding and offboarding process at its sole discretion.

    12. Contact Us

    • For questions or assistance regarding this policy or your account, please contact our support team at support@paywint.com.