This User Policy outlines the terms and conditions governing the use of Capay's platform by individual users ("Users"). By creating an account and using Capay's services, you agree to follow the rules and guidelines below to ensure optimal opportunity capture and seamless payment experiences.

1. Account Registration and Eligibility

Account Creation

• Users must provide accurate and complete information during the registration process

• An account may be created using a verified phone number or email address

• Users are responsible for safeguarding their login credentials and any activity under their account

Eligibility

• Users must be at least 18 years of age or meet the legal age requirements in their country of residence

• By registering, users confirm compliance with all applicable laws and regulations

• Account creation signifies acceptance of Capay's Terms of Service, Privacy Policy, and integrated third-party services

KYC Verification

• Users are required to complete Know Your Customer (KYC) verification to capture full platform benefits

• Verification typically takes 1-2 business days

• Access to advanced features like recurring billing will be limited until verification is completed

• Accounts failing verification will be restricted or deactivated

2. Services Provided

Platform Access

• Capay offers comprehensive payment solutions to capture business opportunities and streamline operations

• Multi-channel payment processing across web, mobile, and in-person transactions

• Advanced reporting and analytics to capture business insights

Payment Processing

• Instant payment processing with global reach

• Smart recurring billing and subscription management

• Automated tax handling and compliance features

• Dynamic checkout optimization for maximum conversion

Account Management

• Users can manage all payment channels from a unified dashboard

• Real-time opportunity tracking and revenue analytics

• Customizable reporting and business intelligence tools

3. Fees and Charges Policy

• Capay does not charge users for accessing core platform features

• Merchants and business accounts may have volume-based pricing or service fees

• International transaction and currency conversion fees may apply

• Advanced features may have premium pricing clearly disclosed before activation

4. User Responsibilities

Accurate Information

• Users must provide and maintain accurate and up-to-date information during account registration and ongoing use

Prohibited Activities

• Fraudulent, illegal, or unauthorized activities are strictly prohibited

• Misuse of recurring billing features or automated systems

• Violation of policies may result in immediate suspension or termination of accounts

Compliance

• Users are responsible for understanding and complying with relevant local laws, tax obligations, and platform policies

5. Refunds and Disputes

Refund Policy

• Refunds are governed by Capay's comprehensive Refund & Return Policy

• Capay processes direct refunds for platform-related issues and system errors

Dispute Management

• Users must submit disputes via Capay's integrated dispute management system

• Proactive chargeback prevention and resolution support provided

6. Account Security

Data Protection

• Capay implements enterprise-grade encryption and security protocols

• Advanced fraud detection and prevention systems protect all transactions

Unauthorized Access

• Users must promptly notify Capay of any unauthorized access or suspicious activity

7. Limitations of Liability

Service Availability

• While Capay strives for maximum uptime, it is not liable for disruptions caused by technical failures, maintenance, or third-party systems

Liability Waiver

• Capay is not responsible for losses resulting from unauthorized transactions, platform misuse, or user non-compliance

8. Policy Updates and Amendments

• Capay reserves the right to modify this User Policy at any time

• Users will be notified of significant changes via email or platform notifications

• Continued use constitutes acceptance of revised terms

9. Termination of User Accounts

Grounds for Termination

• Breach of this policy, Terms of Service, or involvement in prohibited activities

Post-Termination

• Terminated accounts lose access to all services and features

• Data handling follows our retention and deletion policies

10. Business Accounts

• Business accounts require valid registration documents and enhanced verification

• Advanced features include multi-channel integration, advanced analytics, and automated billing

• Governed by separate Business Account Policy

11. Contact Us

For questions or support related to this policy or your account, please contact us at grow@capay.com.