Effective Date: 1st March, 2024
Sifalo Pay Terms
Last updated: 1st Aug 2026
These Terms of Service (the “Agreement”) form a legally binding contract between you and [Sifalo Technologies legal entity name], the operator of Sifalo Pay (“Sifalo Pay”, “we”, “us” or “our”). They govern your access to and use of our payment processing services, merchant dashboard, application programming interfaces, plugins, payment links, checkout pages, card products and any related services we provide (together, the “Services”).
Please read this Agreement carefully. By creating an account, clicking to accept, or using any part of the Services, you confirm that you have read and understood this Agreement and agree to be bound by it. If you are accepting on behalf of a business, you confirm that you have the authority to bind that business, and “you” refers to that business. If you do not agree, you must not use the Services.
1. Definitions
In this Agreement, the following terms have the meanings set out below.
Account means the Sifalo Pay account you open to access the Services.
Customer means any person or business that pays you, or attempts to pay you, using the Services.
Transaction means any payment, refund, reversal, transfer or other movement of funds processed through the Services.
Payment Method means any method we support for accepting or sending funds, including mobile money wallets, bank transfers, and debit, credit or prepaid cards.
Financial Partner means any bank, mobile money operator, card network, payment switch, acquirer or other regulated institution we work with to provide the Services.
Network Rules means the rules, regulations and operating standards issued by card networks, payment switches and mobile money operators whose Payment Methods you accept through us.
Chargeback means a request by a Customer or their issuer to reverse a card Transaction.
Dispute means any Chargeback, reversal claim, inquiry or complaint relating to a Transaction.
Payout means the transfer of settled funds from your Sifalo Pay balance to your designated bank account or mobile money wallet.
Reserve means an amount of your funds that we hold back to cover potential liabilities connected to your Account.
Personal Data means any information that identifies or relates to an individual.
2. Eligibility and Account Registration
2.1 Who may use the Services. The Services are intended for businesses, sole traders, nonprofit organisations and government entities that are legally established and operating in a jurisdiction we support. You must be at least 18 years old, or the age of legal majority where you live, to open an Account.
2.2 Accurate information. When you register, you must give us complete and accurate information about yourself, your business, your owners and directors, your products and services, and your expected transaction volumes. You must keep this information current and tell us promptly if anything changes, including your business model, ownership, address, bank details or the products you sell.
2.3 Business use only. The Services are for business purposes. You may not use your Account for personal, family or household transactions.
2.4 One account per business. You may not open multiple Accounts for the same business unless we have agreed to it in writing. You may not open a new Account if we have previously suspended or closed one of your Accounts, or an Account belonging to a business you control.
2.5 Account security. You are responsible for keeping your login credentials, API keys and any devices used to access your Account secure. You are responsible for all activity carried out through your Account, whether or not you authorised it, unless the activity resulted from our own failure to meet our obligations. You must notify us immediately at [security email] if you suspect unauthorised access.
2.6 Authorised users. You may grant access to your employees or contractors. You remain fully responsible for their actions and for making sure they comply with this Agreement.
3. Verification and Compliance
3.1 Know your customer. We are required by law and by our Financial Partners to verify the identity of the businesses and individuals we serve. Before and after opening your Account, we may ask you for information and documents such as business registration certificates, trade licences, tax identification, identity documents for owners, directors and beneficial owners, proof of address, bank statements and details about your products and suppliers.
3.2 Ongoing checks. We may carry out verification, screening and monitoring at any time, including checks against sanctions lists, politically exposed person databases and fraud databases. You authorise us to obtain information about you and your business from third parties for these purposes.
3.3 Consequences of incomplete verification. Until verification is complete to our satisfaction, we may limit your Account, delay Payouts, cap transaction volumes or decline to provide the Services.
3.4 Anti money laundering. You must comply with all applicable anti money laundering, counter terrorist financing and sanctions laws. You must not use the Services to conceal the source or ownership of funds. We may report suspicious activity to the relevant authorities without notifying you where the law requires or permits us to do so.
3.5 Sanctions. You confirm that neither you nor any of your owners, directors or Customers you knowingly serve is subject to sanctions imposed by the United Nations, the United States, the European Union, the United Kingdom or any authority with jurisdiction over us or our Financial Partners. You must not use the Services for any Transaction involving a sanctioned person or a comprehensively sanctioned territory.
3.6 Regulatory requirements. Some Services are provided in partnership with licensed Financial Partners and may be subject to the requirements of the central banks and regulators in the countries where we operate, including [Bank of Somaliland], [Central Bank of Somalia] and [Banque Centrale de Djibouti]. You agree to cooperate with any request we receive from a regulator or Financial Partner that relates to your Account.
4. The Services
4.1 Payment processing. The Services allow you to accept payments from Customers through supported Payment Methods, including mobile money wallets, bank transfers and cards, and to receive the resulting funds as Payouts.
4.2 Integration tools. We provide APIs, software development kits, plugins, hosted checkout pages, payment links and a merchant dashboard. You are responsible for integrating them correctly and for testing your integration before going live.
4.3 Card products. Where available, we may offer virtual or physical card products issued by a Financial Partner. Card products are subject to additional terms, including the cardholder terms of the issuing institution and the relevant Network Rules. If those additional terms conflict with this Agreement, the additional terms apply to the card product.
4.4 Financial Partners. Some parts of the Services are provided by or through Financial Partners. You agree to comply with any terms those partners require us to pass on to you, and you acknowledge that a Financial Partner may require us to suspend or restrict your Account.
4.5 Availability. We work hard to keep the Services available, but we do not guarantee uninterrupted access. The Services may be unavailable during scheduled maintenance, emergencies, or because of failures in networks, mobile money operators, banks or other systems outside our control.
4.6 Changes to the Services. We may add, change or remove features from time to time. If we remove a feature you actively rely on, we will try to give you reasonable notice unless the change is required by law, a Financial Partner or a security concern.
4.7 We are not a bank. Sifalo Pay is not a bank and does not accept deposits. Funds in your Sifalo Pay balance do not earn interest and are not covered by any deposit insurance scheme unless we tell you otherwise in writing.
5. Your Responsibilities
5.1 Your relationship with Customers. You are the seller of record for the goods and services you offer. You are solely responsible for those goods and services, for fulfilling orders, for customer service, and for handling returns, cancellations and complaints. We are not a party to any contract between you and your Customers.
5.2 Clear disclosures. You must clearly display to your Customers, before they pay, a description of what they are buying, the total price including any taxes and fees, your refund and cancellation policy, your delivery terms, and your business name and contact details. The business name that appears on Customer statements must be one your Customers will recognise.
5.3 Customer authorisation. You must only submit Transactions that your Customers have genuinely authorised. For recurring or stored credential payments, you must obtain the Customer’s clear consent to future charges and make it easy for them to cancel.
5.4 Compliance with law. You must comply with all laws, regulations and Network Rules that apply to your business and to your use of the Services, including consumer protection, tax, data protection, advertising, export control and licensing laws.
5.5 Licences. If your business requires a licence, permit or registration to operate, you must hold it and keep it valid, and provide us with a copy on request.
5.6 Records. You must keep accurate records of your Transactions, orders, deliveries and Customer communications for at least [five] years, and provide them to us promptly when we ask, including to help resolve Disputes.
6. Acceptable Use and Fair Use
6.1 General standard. You must use the Services honestly, lawfully and in a way that does not harm us, our Financial Partners, your Customers or the wider payments ecosystem.
6.2 You must not:
(a) submit Transactions that do not represent a genuine sale of goods or services between you and your Customer;
(b) process payments on behalf of another business, or allow another business to use your Account, unless we have approved you as a platform or payment facilitator in writing;
(c) split a single sale into multiple Transactions to avoid limits or fees;
(d) use the Services to give Customers cash, or to act as a money transfer or remittance service, unless we have specifically approved this in writing;
(e) submit Transactions you know or should reasonably suspect are fraudulent, unauthorised or connected to criminal activity;
(f) mislead Customers about your identity, your products, prices or refund rights;
(g) impose surcharges on Customers for using a particular Payment Method where the law or Network Rules prohibit it;
(h) set minimum or maximum transaction amounts for card payments except as permitted by Network Rules;
(i) store full card numbers, security codes or PINs unless you are certified to do so under the applicable security standards;
(j) attempt to probe, scan, reverse engineer, decompile or test the vulnerability of the Services, or interfere with their operation;
(k) use automated means to access the Services beyond the documented API, or exceed published rate limits;
(l) send spam, malware or harmful code through the Services;
(m) use the Services to build a competing product or to copy our features, content or design; or
(n) use the Services in any way that breaches this Agreement, Network Rules or applicable law.
6.3 Fair use of API and system resources. We set reasonable limits on API calls, webhook traffic, dashboard exports and similar resources to keep the Services stable for everyone. If your usage is unusually heavy, causes performance problems for other users, or looks automated in a way that is not consistent with our documentation, we may throttle your access, ask you to change your integration, or move you to a plan that suits your usage.
6.4 Transaction monitoring. We monitor Transactions for fraud, abuse and compliance risk. If we notice unusual patterns, such as a sudden spike in volume, a high rate of refunds or Disputes, or transactions that do not match the business you described, we may ask you for an explanation, delay related Payouts or take other steps described in this Agreement.
6.5 Dispute and refund thresholds. If your Dispute rate, refund rate or fraud rate exceeds the thresholds set by us or by Network Rules, we may require you to take corrective action, apply a Reserve, charge additional fees passed on by Financial Partners, or suspend your Account.
7. Prohibited and Restricted Businesses
7.1 Prohibited businesses. You may not use the Services for any of the following activities, products or services, whether sold directly or indirectly:
(a) anything illegal in your jurisdiction, your Customer’s jurisdiction, or any jurisdiction whose laws apply to us or our Financial Partners;
(b) illegal drugs, controlled substances, drug paraphernalia, and substances designed to imitate illegal drugs;
(c) weapons, firearms, ammunition, explosives, and parts or accessories for them;
(d) sexually explicit content, adult entertainment, escort services and any content involving the exploitation of minors;
(e) gambling, betting, lotteries, games of chance and fantasy sports played for money, unless we have approved you in writing and you hold every required licence;
(f) pyramid schemes, multi level marketing schemes, get rich quick offers and any investment scheme promising guaranteed or unrealistic returns;
(g) counterfeit goods, and any product or service that infringes intellectual property rights;
(h) stolen goods, and goods obtained or sold in breach of the law;
(i) human trafficking, forced labour and any service that exploits people;
(j) funding of terrorism, violent extremism or organisations that promote hatred or violence;
(k) unlicensed money services, including money transmission, currency exchange, cheque cashing and hawala operations;
(l) buying, selling or exchanging virtual currencies or crypto assets, and initial coin offerings, unless we have approved you in writing and you hold every required licence;
(m) debt collection, debt relief, credit repair and loan brokering without the required licences;
(n) shell companies, and businesses that cannot clearly explain their products, customers or source of funds;
(o) sale of personal data, identity documents or financial account information;
(p) hacking services, malware, spyware and tools designed to bypass security or gain unauthorised access;
(q) products or services that make false medical or health claims, and unlicensed pharmacies;
(r) wildlife products, endangered species and human remains or organs;
(s) businesses that use deceptive marketing, hidden charges or negative option billing without clear disclosure; and
(t) any activity that a Financial Partner or Network Rules prohibit, as we notify you from time to time.
7.2 Restricted businesses. The following businesses may only use the Services with our prior written approval, and may be subject to additional requirements such as enhanced verification, specific licences, Reserves or transaction limits:
(a) charities, nonprofits and crowdfunding platforms;
(b) marketplaces and platforms that accept payments on behalf of other sellers;
(c) travel agencies, airlines and ticket sellers;
(d) prepaid cards, vouchers, gift cards and stored value products;
(e) subscription businesses and memberships with free trials;
(f) pharmaceuticals, medical devices and telemedicine;
(g) alcohol and tobacco products, where lawful;
(h) financial services, insurance and investment advice;
(i) real estate transactions and property rentals;
(j) government services and utility bill payments;
(k) education providers and online courses with high value or long term enrolments;
(l) political organisations and campaigns; and
(m) any business that sells goods or services with delayed delivery of more than [30] days.
7.3 Updates to these lists. We may update the prohibited and restricted lists at any time to reflect changes in law, Network Rules or our risk policies. If an update affects a business you already operate, we will give you reasonable notice where we can.
7.4 Our discretion. Even if your business is not listed above, we may decline to provide the Services, or stop providing them, if we reasonably believe your business presents an unacceptable level of legal, financial, reputational or compliance risk.
8. Fees and Taxes
8.1 Fees. You agree to pay the fees set out on our pricing page, or in any separate pricing agreement we sign with you. Fees may include transaction fees, Payout fees, currency conversion fees, Dispute fees, card fees and fees for additional services.
8.2 How fees are collected. We may deduct fees from your balance or from the funds we settle to you. If your balance is insufficient, we may deduct the amount from future settlements, debit your linked bank account or mobile money wallet, or invoice you. Invoices are due within [14] days.
8.3 Fees on refunds and Disputes. Unless we state otherwise, the fees charged on an original Transaction are not returned if you refund the Transaction or lose a Dispute.
8.4 Changes to fees. We may change our fees by giving you at least [30] days’ notice. If you do not agree to the new fees, you may close your Account before they take effect. Continuing to use the Services after that date means you accept the new fees.
8.5 Currency conversion. Where a Transaction involves a currency conversion, we will apply the exchange rate shown in your dashboard or otherwise disclosed to you at the time, which may include a margin.
8.6 Taxes. You are responsible for determining, collecting, reporting and paying any taxes that apply to your sales and to your use of the Services. Our fees exclude taxes unless we state otherwise. Where the law requires us to collect tax on our fees, or to withhold tax, or to report information about your Transactions to tax authorities, we will do so.
9. Settlement, Payouts and Reserves
9.1 Settlement. Once a Transaction is completed and we have received the funds from the relevant Financial Partner, we will credit the amount, less fees and any other amounts you owe us, to your Sifalo Pay balance.
9.2 Payout schedule. We will pay out your available balance to the bank account or mobile money wallet you have designated, on the schedule shown in your dashboard. Payout timing may depend on your business, your risk profile, your country and the Payment Method used. We may change your Payout schedule if your risk profile changes.
9.3 Payout account. You must designate a bank account or mobile money wallet held in the name of your verified business. We are not responsible for losses caused by incorrect Payout details that you provided.
9.4 Holding funds. We may delay or hold Payouts if we reasonably believe that a Transaction is fraudulent, unauthorised or in breach of this Agreement; that you are likely to face a high level of Disputes or refunds; that your business has changed significantly; that you have not completed verification; that we are required to do so by law, a regulator or a Financial Partner; or that holding funds is necessary to protect us, your Customers or others from loss. Where the law allows, we will tell you why we are holding funds and what you need to do.
9.5 Reserves. We may require you to maintain a Reserve, either as a fixed amount or as a percentage of your Transactions, held for a period we decide. We will set the Reserve based on our assessment of the risk associated with your Account, and we may change it as that risk changes. We may fund a Reserve from your incoming Transactions, from your balance or by asking you to transfer funds to us.
9.6 Negative balance. If your balance becomes negative, for example because of refunds, Chargebacks or fees, you must repay the full amount promptly. We may recover it from future Transactions, from any Reserve, from any other Account you hold with us, or by debiting your designated bank account or wallet.
9.7 Set off. We may set off any amount you owe us or our Financial Partners under this Agreement against any amount we owe you.
9.8 Unclaimed funds. If we cannot pay out your funds for a long period because your Payout details are invalid or you cannot be reached, we will handle those funds in line with the unclaimed property laws that apply to us.
9.9 Errors. If we credit you an amount in error, you must return it. We may correct the error by adjusting your balance. You must tell us of any errors you notice in your balance or Payouts within [60] days of the date the error appears in your dashboard.
10. Refunds, Reversals and Disputes
10.1 Refunds. You may issue refunds through the Services up to the amount of the original Transaction. Refunds must go back to the Payment Method used for the original payment unless the law or Network Rules require otherwise. You must not accept cash or any other payment from a Customer in exchange for issuing a refund.
10.2 Refund policy. You must have a fair refund policy that complies with the law and you must honour it.
10.3 Reversals. A Transaction may be reversed if it was unauthorised, fraudulent, made in breach of this Agreement or Network Rules, or if a Financial Partner reverses it. You are liable for the full amount of any reversal, together with any related fees.
10.4 Chargebacks and Disputes. Customers may dispute Transactions with their card issuer, mobile money operator or bank. When a Dispute is raised, we may immediately deduct the disputed amount and any Dispute fee from your balance while it is being resolved.
10.5 Responding to Disputes. You may contest a Dispute by providing evidence through your dashboard within the deadline we give you. We will submit your evidence to the relevant Financial Partner, but the outcome is decided by that partner or network, not by us. If you do not respond in time, the Dispute will usually be decided against you.
10.6 Your liability. You are responsible for all Disputes, Chargebacks, reversals, refunds, fines and penalties connected with your Transactions, including those raised after your Account is closed.
10.7 Fines from networks. If a card network, payment switch or Financial Partner imposes a fine or assessment on us because of your Transactions or your conduct, you must reimburse us in full.
11. Security and Data Protection
11.1 Our security. We maintain reasonable administrative, technical and physical safeguards designed to protect the data we process. Where we process card data, we maintain the security standards required by the card networks.
11.2 Your security. You must keep your systems secure and follow our integration and security guidance. If you store, process or transmit card data outside our hosted tools, you must comply with the Payment Card Industry Data Security Standard and provide proof of compliance when we ask.
11.3 Security incidents. You must notify us without undue delay, and in any case within 12 hours, if you become aware of any actual or suspected breach affecting Customer payment data or your Account. You must cooperate with our investigation and with any investigation required by a Financial Partner or regulator.
11.4 Personal Data. Each party will comply with applicable data protection laws when handling Personal Data. Our handling of Personal Data is described in our Privacy Policy. You must provide your Customers with a privacy notice that explains how their data is shared with payment providers like us and obtain any consents the law requires.
11.5 Use of data. We may use Transaction and Account data to provide and improve the Services, to prevent fraud and financial crime, to comply with the law and Network Rules, and to create aggregated or anonymised statistics that do not identify you or your Customers.
11.6 Sharing with partners and authorities. We may share information about you and your Transactions with Financial Partners, fraud prevention agencies, regulators, law enforcement and other parties where needed to provide the Services, prevent crime or comply with the law.
12. Intellectual Property and Licence
12.1 Our property. We and our licensors own all rights in the Services, including our software, APIs, documentation, trademarks, logos and content. Nothing in this Agreement transfers ownership of any of these to you.
12.2 Licence to you. Subject to this Agreement, we grant you a limited, non exclusive, non transferable, revocable licence to use the Services and our documentation for the sole purpose of accepting payments for your business during the term of this Agreement.
12.3 Use of our brand. You may display the Sifalo Pay name and logo only to show that you accept payments through us, and only in line with our brand guidelines. You must not suggest that we endorse your business.
12.4 Your brand. You grant us permission to use your business name and logo to identify you as a user of the Services, including in customer lists and marketing materials, unless you tell us in writing that you do not want us to.
12.5 Feedback. If you send us suggestions or feedback, we may use them freely without any obligation to you.
13. Third Party Services
The Services may connect with or link to third party products, such as ecommerce platforms, accounting software, mobile money operators and banks. We do not control these third parties and are not responsible for their services, availability or conduct. Your use of third party services is governed by the terms those third parties set.
14. Confidentiality
14.1 Each party may receive non public information from the other, including business plans, pricing, technical information and security details (“Confidential Information”). The receiving party will use the other party’s Confidential Information only to perform its obligations or exercise its rights under this Agreement, and will protect it with at least reasonable care.
14.2 Confidential Information does not include information that is or becomes public through no fault of the receiving party, was already lawfully known to the receiving party, was independently developed, or was lawfully received from a third party without a duty of confidence.
14.3 A party may disclose Confidential Information where required by law, regulation, a court order or Network Rules, provided it gives the other party notice where lawful and practical.
15. Suspension and Termination
15.1 Termination by you. You may close your Account at any time by contacting us. Before closing, you must settle any outstanding amounts and complete or refund any pending orders.
15.2 Termination by us for convenience. We may terminate this Agreement for any reason by giving you at least 14 days’ notice.
15.3 Immediate suspension or termination. We may suspend your Account, restrict specific features, or terminate this Agreement immediately, with or without notice, if:
(a) you breach this Agreement, including our acceptable use rules or prohibited business list;
(b) you provide false, incomplete or misleading information;
(c) we reasonably suspect fraud, money laundering, terrorist financing, sanctions violations or other illegal activity connected to your Account;
(d) your Dispute, refund or fraud rates exceed acceptable levels;
(e) a Financial Partner, card network, payment switch or regulator requires us to do so;
(f) you become insolvent, enter into bankruptcy or a similar process, or stop carrying on business;
(g) your business changes in a way that means it no longer meets our requirements;
(h) continuing to serve you would expose us, our Financial Partners or your Customers to unacceptable legal, financial or reputational risk; or
(i) we are required to do so by law or a court order.
15.4 Notice of reasons. Where the law and our obligations to Financial Partners and authorities allow, we will tell you the reason for a suspension or termination and, where appropriate, what you can do to resolve it.
15.5 Effect of termination. When this Agreement ends:
(a) your right to use the Services stops immediately, and you must stop accepting payments through us and remove our tools from your website and applications;
(b) all amounts you owe us become due immediately;
(c) we may hold your remaining funds for up to [180] days, or longer where required by law, a regulator or Network Rules, to cover refunds, Disputes, reversals, fines and other liabilities that may arise. After that period, we will pay any remaining balance to your verified Payout account, less any amounts you owe;
(d) if we terminate because of suspected illegal activity, we may be required to hold or surrender funds to the relevant authorities; and
(e) we will keep records about you and your Transactions for as long as the law and our compliance obligations require.
15.6 Survival. Sections covering fees, settlement and Reserves, refunds and Disputes, confidentiality, intellectual property, disclaimers, limitation of liability, indemnity, dispute resolution, and any other provision that by its nature should continue, will survive termination.
16. Disclaimers
16.1 The Services are provided “as is” and “as available”. To the fullest extent permitted by law, we make no warranties or representations of any kind, whether express, implied or statutory, including warranties of merchantability, fitness for a particular purpose, title and non infringement.
16.2 We do not guarantee that the Services will be uninterrupted, error free or completely secure, or that any Transaction will be approved or completed. Payment approvals are decided by Customers’ banks, card issuers and mobile money operators, and delays or failures may occur for reasons outside our control.
16.3 We are not responsible for the goods and services you sell, for the conduct of your Customers, or for the acts or omissions of Financial Partners, networks, telecommunications providers or other third parties.
16.4 Nothing we provide, including fraud tools, risk scores or reports, is legal, tax or financial advice. You are responsible for your own compliance decisions.
17. Limitation of Liability
17.1 To the fullest extent permitted by law, neither party will be liable to the other for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, goodwill, data or business opportunity, however caused and even if that party was advised of the possibility of such loss.
17.2 To the fullest extent permitted by law, our total liability to you for all claims arising out of or relating to this Agreement or the Services, in any twelve month period, will not exceed the total fees you paid to us under this Agreement in the [three] months before the event that gave rise to the claim.
17.3 These limits do not apply to your obligations to pay fees and other amounts you owe, your indemnity obligations, your liability for Disputes, reversals and fines, or any liability that cannot be limited by law.
17.4 We are not liable for any failure or delay caused by events beyond our reasonable control, including natural disasters, war, civil unrest, government action, power or internet outages, failures of Financial Partners or telecommunications networks, and cyber attacks that could not reasonably have been prevented.
18. Indemnity
You agree to defend, indemnify and hold harmless Sifalo Pay, its affiliates, Financial Partners, and their respective directors, officers, employees and agents from and against any claims, losses, damages, fines, penalties, costs and expenses, including reasonable legal fees, arising out of or related to:
(a) your breach of this Agreement, Network Rules or applicable law;
(b) your products, services, website, applications or business practices;
(c) any Transaction you submit, including Disputes, refunds and reversals;
(d) your use of the Services, or the use of your Account by anyone you allowed to access it;
(e) any security incident affecting your systems; or
(f) any claim by a Customer, regulator or third party relating to your business.
19. Governing Law and Dispute Resolution
19.1 Governing law. This Agreement is governed by the laws of the Republic of Somaliland, without regard to its conflict of law rules.
19.2 Informal resolution. If a dispute arises between us, we both agree to first try to resolve it informally. You should contact us at info@sifalo.com with a description of the issue. If we cannot resolve it within 30 days, either party may begin formal proceedings.
19.3 Arbitration. Any dispute arising out of or relating to this Agreement that is not resolved informally will be finally resolved by binding arbitration administered by [arbitral institution] under its rules in force at the time. The seat of arbitration will be [city], the tribunal will consist of one arbitrator, and the proceedings will be conducted in English.
19.4 Exceptions. Either party may seek urgent injunctive or other interim relief from a competent court to protect its intellectual property, Confidential Information or funds, and we may bring proceedings in any competent court to recover amounts you owe us.
19.5 No class actions. To the extent permitted by law, disputes will be resolved on an individual basis only, and neither party may bring a claim as a plaintiff or class member in any class or representative proceeding.
20. Changes to this Agreement
We may update this Agreement from time to time. If we make a material change, we will notify you by email or through your dashboard at least [30] days before it takes effect, unless the change is required sooner by law, a regulator or a Financial Partner, in which case we will give as much notice as we reasonably can. If you do not agree with the change, you may close your Account before it takes effect. Continuing to use the Services after the effective date means you accept the updated Agreement.
21. Notices and Communications
21.1 You agree to receive communications from us electronically, including by email, SMS, WhatsApp and notices in your dashboard. Electronic communications have the same legal effect as written ones.
21.2 We will send notices to the email address or phone number associated with your Account. You must keep this contact information up to date.
21.3 Legal notices to us must be sent to info@sifalo.com.
22. General Provisions
22.1 Entire agreement. This Agreement, together with our Privacy Policy, pricing terms, any product specific terms and any documents referenced in it, forms the entire agreement between you and us regarding the Services and replaces any earlier agreements on the same subject.
22.2 Order of precedence. If there is a conflict, a signed written agreement between you and us will prevail, followed by product specific terms, then this Agreement.
22.3 Assignment. You may not assign or transfer this Agreement without our prior written consent. We may assign or transfer this Agreement to an affiliate or to a successor in connection with a merger, acquisition or sale of assets.
22.4 Independent parties. Nothing in this Agreement creates a partnership, joint venture, agency or employment relationship between us.
22.5 No waiver. If we do not enforce a right under this Agreement, that does not mean we have given up that right.
22.6 Severability. If any provision of this Agreement is found invalid or unenforceable, the remaining provisions will continue in full force, and the invalid provision will be modified to the minimum extent needed to make it enforceable.
22.7 Language. This Agreement is written in English. If we provide a translation, the English version will prevail in the event of any inconsistency.
22.8 Third party rights. Except for our Financial Partners and indemnified parties, no one other than you and us has any right to enforce this Agreement.
23. Contact Us
If you have questions about this Agreement or the Services, please contact us:
Sifalo Technologies
Burj Omaar 212, Hargeisa
info@sifalo.com | sifalopay.com