Terms of Service

1. Acceptance of Terms

By accessing or using PakPay's services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services. These terms apply to all users, including visitors, registered users, and merchants.

2. Description of Services

PakPay provides digital payment and financial services, including but not limited to:

• Mobile Wallet: Store, send, and receive digital funds securely
• Money Transfers: Send money domestically and internationally
• Merchant Payments: Make purchases at participating retailers and online stores
• Financial Tools: Access budgeting features and transaction history

3. Account Registration

To use PakPay services, you must create an account and provide accurate, complete information. You are responsible for:

• Account Security: Maintaining the confidentiality of your login credentials
• Accurate Information: Providing truthful identity and contact details
• Age Requirement: Being at least 18 years old or the legal age in your jurisdiction
• Single Account: Maintaining only one personal account per individual

4. User Responsibilities

As a PakPay user, you agree to use our services lawfully and responsibly. You must not:

• Use the service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems or other users' accounts
• Transmit viruses, malware, or other harmful code
• Engage in fraudulent transactions or money laundering activities
• Violate any applicable local, national, or international laws

5. Fees and Charges

PakPay may charge fees for certain services, including but not limited to transaction fees, currency conversion fees, and withdrawal fees. All applicable fees will be disclosed before you complete a transaction. We reserve the right to modify our fee structure with prior notice to users. Current fee schedules are available in the app and on our website.

6. Transaction Limits

For security and regulatory compliance, PakPay imposes limits on transactions. These limits may vary based on your account verification level, transaction history, and applicable regulations. You can view your current limits within the app. We may adjust limits at our discretion to maintain platform security and comply with legal requirements.

7. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy. By using PakPay, you consent to the collection and use of your data as described in our Privacy Policy. We implement industry-standard security measures to protect your information.

8. Intellectual Property

All content, trademarks, logos, and intellectual property displayed on PakPay are owned by or licensed to us. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission. Your use of our services does not grant you any ownership rights to our intellectual property.

9. Limitation of Liability

To the maximum extent permitted by law, PakPay shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability for any claims shall not exceed the amount of fees paid by you in the twelve months preceding the claim.

10. Termination

We reserve the right to suspend or terminate your account at any time for violation of these terms, suspicious activity, or at our sole discretion. Upon termination, your right to use the services will immediately cease. Any funds remaining in your account will be returned according to our standard procedures, subject to applicable laws and regulations.

11. Changes to Terms

PakPay reserves the right to modify these Terms of Service at any time. We will notify users of significant changes via email or in-app notification. Your continued use of our services after such modifications constitutes acceptance of the updated terms. We encourage you to review these terms periodically.

12. Contact Information

If you have any questions about these Terms of Service, please contact us: