Terms and Conditions

Welcome to PaysanniFlow. By accessing or using our website, mobile app, or services, you agree to be bound by these Terms and Conditions. Please read them carefully.

1. About Us

PaysanniFlow is a digital banking platform offering personal and business financial services, including transfers, payments, savings, card services, and cryptocurrency features such as Bitcoin deposits, purchases, and transfers.

2. Account Registration

• You must be at least 18 years old to open an account.
• You agree to provide accurate and complete information during registration.
• You are responsible for maintaining the confidentiality of your PIN, password, and biometric access.
• Only one account per individual is allowed unless approved otherwise.

3. Our Services

We provide:

• Local and international money transfers
• Bill payments and airtime top-ups
• Debit cards (virtual and physical)
• Savings accounts
• Business payment solutions
• Bitcoin and cryptocurrency services (deposit, buy, sell, and transfer)

4. Bitcoin & Cryptocurrency

• Bitcoin transactions are irreversible once confirmed on the blockchain.
• You are responsible for the accuracy of wallet addresses when sending or receiving Bitcoin.
• PaysanniFlow is not liable for losses due to incorrect wallet addresses or blockchain network issues.
• Crypto services are subject to market volatility. Past performance is not an indication of future results.

5. Fees and Charges

Fees are clearly displayed before each transaction. We reserve the right to update fees with prior notice.

6. Security and Fraud Prevention

You agree to:

• Use strong security practices
• Report any unauthorized access immediately
• Cooperate with us during any security investigations

We employ industry-standard security but are not liable for losses caused by your negligence.

7. Prohibited Activities

You may not use PaysanniFlow for illegal activities, money laundering, fraud, terrorism financing, or any prohibited transactions under applicable laws.

8. Limitation of Liability

PaysanniFlow is not liable for:

• Any indirect, incidental, or consequential damages
• Losses due to blockchain network failures or cryptocurrency volatility
• Delays caused by third-party service providers

Our total liability shall not exceed the amount involved in the disputed transaction.

9. Termination

We may suspend or close your account at any time for violation of these terms, suspicious activity, or regulatory requirements.

10. Changes to Terms

We may update these Terms from time to time. Continued use of our services after changes constitutes your acceptance of the new terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws. Any disputes arising from these Terms will be resolved through arbitration or in the appropriate courts as determined by PaysanniFlow.

By using PaysanniFlow, you confirm that you have read, understood, and agreed to these Terms and Conditions.

Questions? Contact us at: legal@paysanniflow.com