These Terms and Conditions govern your access to and use of the Paidrex Technologies Limited website at https://paidrextech.com/, including its pages, content, enquiry forms and related online services.

By accessing or using this website, you confirm that you have read, understood and agreed to be bound by these Terms and Conditions. If you do not agree with these Terms, you should discontinue your use of the website.

1. About Paidrex Technologies

Paidrex Technologies Limited is a technology and financial-technology company based in Lagos, Nigeria.

We develop and provide technology solutions that may include:

• Fintech solutions;
• Digital wallet and payment infrastructure solutions;
• Payment gateway and banking API integrations;
• Virtual account and merchant payment systems;
• Remittance and cross-border payment technology;
• Financial software development;
• Financial and business payment services;
• Currency exchange and payment-support services;
• Custom software development;
• Website and mobile application development;
• Enterprise web applications;
• Cloud and DevOps solutions;
• API development and system integration;
• Business-process automation;
• Database design;
• Cybersecurity consulting;
• IT consulting and technical support; and
• Paidrex Mobile and other products developed or operated by us.

Some services may be provided directly by Paidrex Technologies Limited, while others may depend on licensed financial institutions, payment processors, telecommunications providers, identity-verification providers, cloud-service providers or other authorised third parties.

2. Scope of These Terms

These Terms primarily apply to the Paidrex Technologies corporate website and to enquiries or requests submitted through the website.

Certain products and services, including Paidrex Mobile, digital wallets, financial transactions, software-development projects and enterprise solutions, may be governed by additional:

• Product-specific terms;
• Customer agreements;
• Software-development agreements;
• Service-level agreements;
• Merchant agreements;
• Acceptable-use policies;
• Fee schedules;
• Privacy notices;
• Refund or cancellation policies; or
• Regulatory disclosures.

Where additional terms apply, those additional terms will form part of your agreement with us. If there is a conflict between these website Terms and a signed service agreement, the signed service agreement will take priority in relation to the relevant service.

3. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding agreement to use any service that creates financial, contractual or payment obligations.

Where you use the website or request services on behalf of a company, partnership, government agency or other organisation, you confirm that:

1. You have authority to act on behalf of that organisation;
2. The information you provide is accurate and authorised; and
3. The organisation agrees to be bound by these Terms and any applicable service agreement.

We may decline to provide services where legal, regulatory, compliance, technical or commercial requirements have not been satisfied.

4. Website Use

You may use the website only for lawful purposes.

You must not:

• Use the website in violation of any applicable law or regulation;
• Submit false, misleading, fraudulent or unauthorised information;
• Impersonate another person or misrepresent your identity or authority;
• Attempt to gain unauthorised access to the website, servers, databases, accounts or systems;
• Introduce malware, ransomware, viruses, malicious scripts or harmful code;
• Probe, scan or test the vulnerability of our systems without written permission;
• Interfere with the security, availability or performance of the website;
• Scrape, crawl, harvest or extract website content or user data through automated means without authorisation;
• Use the website to transmit spam, unsolicited advertising or unlawful communications;
• Infringe another person’s privacy, intellectual-property or contractual rights;
• Copy, reproduce, modify or commercially exploit our content without permission; or
• Use any Paidrex name, logo or branding in a way that suggests an unauthorised partnership or endorsement.

We may restrict or block access where we reasonably believe that these Terms have been violated or that an activity presents a security, legal or operational risk.

5. Enquiries and Service Requests

The website allows visitors to contact us about projects, financial services, technical support, Paidrex Mobile and other enquiries.

Submitting an enquiry does not:

• Guarantee that we will accept a project;
• Create a binding service contract;
• Reserve development resources;
• Guarantee a particular price, deadline or outcome;
• Constitute approval for a financial transaction; or
• Create a fiduciary, advisory or agency relationship.

A binding commercial engagement will arise only when the relevant parties accept a proposal, quotation, order form, statement of work, service agreement or other formal contract.

You are responsible for ensuring that all information submitted through the website is complete and accurate.

6. Quotes, Proposals and Project Estimates

Any quotation, proposal, budget, timeline or estimate provided before a formal agreement is signed is provisional unless expressly stated otherwise.

Project pricing and timelines may change where:

• The project scope changes;
• New requirements are introduced;
• Information or approvals are delayed;
• Third-party systems create additional work;
• Technical limitations are discovered;
• Regulatory or compliance requirements change; or
• Circumstances outside our reasonable control affect delivery.

Final project scope, deliverables, milestones, payment terms, intellectual-property rights, warranties and support arrangements will be defined in the applicable service agreement or statement of work.

7. Financial and Payment Services

Certain Paidrex services may involve digital payments, currency exchange, transfers, bill payments, airtime or data purchases, financial APIs, wallet services or payment collection.

Access to such services may be subject to:

• Customer identification and verification;
• Know Your Customer requirements;
• Anti-money-laundering and counter-terrorism-financing checks;
• Transaction monitoring;
• Sanctions screening;
• Fraud-prevention checks;
• Account or transaction limits;
• Regulatory approvals;
• Partner-bank requirements; and
• Additional product-specific terms.

We may request documents or information needed to verify your identity, business, source of funds, transaction purpose or beneficial ownership.

We may delay, reject, reverse, limit, suspend or report a transaction where reasonably required to:

• Comply with applicable law;
• Meet regulatory or partner requirements;
• Investigate suspected fraud or unauthorised activity;
• Correct an error;
• Protect a customer, third party or the integrity of the platform;
• Respond to a court order or lawful request; or
• Address a technical or security incident.

Any financial-service functionality described on the website is subject to availability, regulatory approval and the terms displayed within the relevant application or service.

8. Paidrex Mobile

Paidrex Mobile is described as a financial application that may allow users to send and receive money, make bank transfers, pay bills, purchase airtime and data, fund wallets, manage beneficiaries and view transaction histories.

Use of Paidrex Mobile may require:

• Creation of a user account;
• Identity verification;
• Acceptance of separate application terms;
• A compatible mobile device;
• A valid telephone number or email address;
• Security credentials, passwords, PINs or biometric authentication; and
• Compliance with applicable transaction limits and regulatory requirements.

You are responsible for protecting your login credentials and mobile device. You must promptly notify us if you believe that your account, credentials or device has been compromised.

The detailed rules governing Paidrex Mobile transactions, account restrictions, fees, reversals, refunds, complaints and account closure should be set out in separate Paidrex Mobile Terms of Service before the application is made publicly available.

9. Fees and Payment

Fees for technology projects, subscriptions, licences, support services or financial transactions will be communicated through the relevant quotation, contract, application interface or fee schedule.

Unless otherwise stated:

• Fees are payable in the stated currency;
• Applicable taxes, bank charges and third-party charges may be added;
• Payment deadlines must be observed;
• Work may be suspended where an invoice remains unpaid; and
• Deposits or commencement fees may be non-refundable once work has begun or resources have been committed.

You are responsible for providing accurate billing information and ensuring that your chosen payment method is authorised.

10. Refunds, Reversals and Cancellations

Refund and cancellation rights depend on the type of service purchased.

For software-development and professional services, refunds will generally be governed by the applicable proposal or service agreement. Amounts relating to completed milestones, third-party purchases, licences, domain names, hosting, integrations, committed resources or work already performed may be non-refundable.

For financial transactions, a transaction may not be cancellable once it has been submitted, processed or settled. Where a transaction fails, is duplicated, is unauthorised or is otherwise disputed, it will be investigated under the applicable product terms, partner rules and legal requirements.

A transaction marked “pending” does not necessarily mean that it has failed. Processing times may be affected by banks, payment processors, telecommunications networks, compliance reviews, system availability and other third parties.

11. Third-Party Services

Our website and services may rely on or link to third-party services, including:

• Banks and licensed financial institutions;
• Payment processors and card networks;
• Mobile-network operators;
• Utility and bill-payment providers;
• Identity-verification and KYC providers;
• Cloud-hosting and infrastructure providers;
• Analytics and security providers;
• Social-media platforms;
• Software libraries and APIs; and
• External websites.

Third-party services are governed by their own terms and privacy policies. We do not control all third-party systems and are not responsible for their independent acts, omissions, outages, content or security practices.

The inclusion of a third-party link does not necessarily constitute an endorsement.

12. Intellectual Property

The website and its contents, including its name, logos, design, layout, text, graphics, photographs, videos, software, source code, interfaces, databases and other materials, are owned by or licensed to Paidrex Technologies Limited.

They are protected by applicable copyright, trademark and other intellectual-property laws.

Subject to these Terms, we grant you a limited, revocable, non-exclusive and non-transferable right to access and use the website for personal or legitimate business-enquiry purposes.

You may not, without prior written permission:

• Reproduce or republish substantial website content;
• Modify, adapt or create derivative works from our materials;
• Sell, license, rent or commercially exploit our content;
• Remove copyright, trademark or ownership notices;
• Reverse engineer software or protected functionality;
• Register confusingly similar domain names, business names or trademarks; or
• Use our intellectual property in advertising or promotional materials.

Intellectual-property ownership for custom software or project deliverables will be determined by the applicable service agreement.

13. User-Submitted Materials

Where you provide project documents, specifications, logos, images, business data, software, databases, content or other materials, you confirm that:

• You own the materials or have permission to use and disclose them;
• Our use of the materials for the requested service will not violate another person’s rights;
• The materials do not contain unlawful or malicious content; and
• You have obtained any required consent for personal data included in the materials.

You retain ownership of your pre-existing materials. You grant us a limited right to use them as reasonably necessary to review your enquiry, prepare a proposal or provide the agreed service.

14. Confidentiality

Information submitted through a general website form should not be treated as a substitute for a formal confidentiality agreement.

Where a project involves confidential commercial information, source code, customer records, financial data or trade secrets, the parties may enter into a separate non-disclosure agreement.

We will take reasonable measures to protect confidential information received in connection with an engagement. Confidentiality obligations do not apply to information that:

• Was already lawfully known;
• Becomes public without a breach of obligation;
• Is independently developed;
• Is lawfully received from another source; or
• Must be disclosed under law, regulation or a court order.

15. Privacy and Data Protection

Our collection and processing of personal information are governed by our Privacy Policy.

By submitting information through the website, you acknowledge that your information may be processed for purposes such as responding to enquiries, conducting compliance checks, preparing proposals, providing services, maintaining security and fulfilling legal obligations.

You should review the Privacy Policy before submitting personal information.

16. Security

We use reasonable technical and organisational measures designed to protect our website and systems.

However, no website, internet transmission, software platform or storage system can be guaranteed to be completely secure or continuously available.

You are responsible for:

• Using secure devices and internet connections;
• Protecting your passwords, PINs and authentication credentials;
• Verifying payment instructions before making payments;
• Keeping your software and devices updated;
• Reporting suspicious communications; and
• Avoiding phishing links and fraudulent websites.

Paidrex Technologies will not ask you to disclose a password, PIN, one-time password or full authentication credential through an unsolicited email or social-media message.

17. Website Availability

We aim to keep the website accurate and available, but we do not guarantee uninterrupted or error-free access.

The website may be unavailable because of:

• Scheduled maintenance;
• Emergency maintenance;
• Hosting or network failures;
• Cybersecurity incidents;
• Third-party service interruptions;
• Software updates;
• Regulatory requirements; or
• Events outside our reasonable control.

We may modify, suspend or discontinue any website feature without prior notice.

18. Information Disclaimer

Website content is provided for general information and marketing purposes.

Nothing on the website constitutes:

• Financial or investment advice;
• Legal advice;
• Tax advice;
• A guarantee of regulatory approval;
• A guarantee of transaction success;
• An offer to provide regulated services in every jurisdiction; or
• A binding promise that a proposed product or feature will be available.

You should obtain independent professional advice where appropriate.

19. Disclaimer of Warranties

To the maximum extent permitted by law, the website is provided on an “as is” and “as available” basis.

We do not warrant that:

• The website will always be available;
• All content will be free from errors;
• The website will be free from harmful components;
• Every service described will be available in every location;
• A third-party service will perform without interruption; or
• Using the website will produce a particular commercial or financial result.

Nothing in these Terms excludes warranties or consumer rights that cannot lawfully be excluded.

20. Limitation of Liability

To the maximum extent permitted by applicable law, Paidrex Technologies Limited will not be liable for indirect, incidental, special, punitive or consequential loss arising from your use of the website.

This includes loss of:

• Profits;
• Revenue;
• Business opportunities;
• Data;
• Goodwill;
• Anticipated savings; or
• Business interruption.

We will not be responsible for loss caused by:

• Information you entered incorrectly;
• Unauthorised access resulting from your failure to secure your credentials;
• A third-party bank, processor, network, API or service provider;
• Malware or harmful software originating outside our systems;
• Events beyond our reasonable control; or
• Use of the website in breach of these Terms.

Where liability cannot legally be excluded, it will be limited to the extent permitted by applicable law and, where relevant, by the contract governing the affected service.

Nothing in these Terms excludes liability for fraud, wilful misconduct or any liability that cannot be excluded under Nigerian law.

21. Indemnity

You agree to indemnify and hold Paidrex Technologies Limited, its directors, employees, contractors and affiliates harmless from claims, losses, liabilities, damages and reasonable costs arising from:

• Your unlawful use of the website;
• Your breach of these Terms;
• Information or materials you submitted;
• Your infringement of another person’s rights; or
• Fraudulent or unauthorised activity carried out through your account or systems, except where caused by our own breach or misconduct.

22. Suspension and Termination

We may suspend or terminate access to the website or a related service where:

• These Terms have been breached;
• Fraud or unlawful activity is suspected;
• Security is compromised;
• Required fees remain unpaid;
• Verification requirements are not completed;
• A regulator, court, bank or authorised partner requires it;
• Continuing the service would expose us or another person to material risk; or
• The applicable service agreement permits suspension or termination.

Termination does not affect rights or obligations that arose before termination.

Provisions relating to intellectual property, confidentiality, liability, indemnity, dispute resolution and governing law will survive termination where appropriate.

23. Complaints and Dispute Resolution

You should first contact us and provide sufficient details of your complaint, including relevant dates, reference numbers and supporting documents.

We will review the complaint and attempt to resolve it within a reasonable period.

Complaints relating to a financial transaction may also be subject to the complaint procedures of the relevant bank, payment processor, financial institution or regulatory authority.

Before commencing court proceedings, the parties should attempt in good faith to resolve the dispute through direct negotiation. Where appropriate, the parties may agree to mediation or another recognised alternative-dispute-resolution process in Nigeria.

Nothing in this section prevents either party from seeking urgent injunctive or protective relief.

24. Governing Law and Jurisdiction

These Terms are governed by the laws of the Federal Republic of Nigeria.

Subject to any mandatory consumer-protection rights and any agreed alternative-dispute-resolution procedure, the courts of competent jurisdiction in Lagos State, Nigeria will have jurisdiction over disputes arising from these Terms or use of the website.

25. Force Majeure

We will not be responsible for delay or failure caused by circumstances beyond our reasonable control, including:

• Natural disasters;
• Fire or flooding;
• War, terrorism or civil unrest;
• Labour disputes;
• Government restrictions;
• Changes in law or regulation;
• Power, internet or telecommunications failure;
• Bank or payment-network outages;
• Cyberattacks;
• Epidemics or public-health emergencies; or
• Failure of critical third-party infrastructure.

26. Changes to These Terms

We may update these Terms to reflect changes in our website, services, business operations, technology or legal requirements.

The updated version will be published on this page with a revised “Last updated” date.

Changes will apply from the date they are published, unless another effective date is stated. Your continued use of the website after an update constitutes acceptance of the revised Terms.

Material changes to a contracted service will be handled in accordance with the relevant service agreement and applicable law.

27. Severability

If any provision of these Terms is found to be invalid, unlawful or unenforceable, that provision will be interpreted or limited to the minimum extent necessary.

The remaining provisions will continue in effect.

28. No Waiver

A delay or failure by Paidrex Technologies Limited to enforce a provision of these Terms does not waive our right to enforce that provision later.

29. Entire Agreement

These Terms, together with the Privacy Policy and any applicable service-specific agreement, constitute the agreement governing your use of the website.

A signed service agreement may contain additional or different terms for a particular product or engagement.

30. Contact Us

Questions about these Terms and Conditions may be sent to:

Paidrex Technologies Limited
Lagos, Nigeria
Email: info@paidrextech.com
Website: https://paidrextech.com/