Terms of Service

These Terms of Service ("Terms") govern your access to and use of Paydora's website, mobile applications, and services (collectively, the "Services"). Paydora Limited ("we", "us", "our") provides NIN (National Identity Number) verification services through our platform.

These Terms apply to all users of the Services, including without limitation users who are browsers, customers, merchants, and/or contributors of content. By accessing or using any part of the Services, you agree to be bound by these Terms.

To use our Services, you must:

• Be at least 18 years old, or the age of majority in your jurisdiction
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete registration information
• Have a valid Nigerian bank account for payments (if applicable)
• Not be prohibited from receiving our Services under applicable laws

To access certain features of our Services, you must register for an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your password and accept all risks of unauthorized access
• Notify us immediately of any unauthorized use of your account
• Ensure you exit from your account at the end of each session

Paydora provides the following services:

Service Fees

• Basic NIN Verification: ₦100 per verification
• Premium NIN Verification: ₦250 per verification
• Bulk verification discounts available (contact sales)

Payment Terms

• All fees are non-refundable except as specified in our Refund Policy
• Payments must be made through approved payment methods
• We reserve the right to change our fees at any time
• Failed verifications may be eligible for refunds (see Refund Policy)

As a user of our Services, you agree to:

• Provide accurate NIN information for verification
• Use the Services only for lawful purposes
• Not use the Services to verify NINs without proper authorization
• Comply with all applicable laws and regulations
• Not attempt to bypass any security measures
• Report any security vulnerabilities to us
• Use verification reports responsibly and ethically

You agree not to engage in any of the following prohibited activities:

• Using stolen or fraudulent NINs for verification
• Attempting to verify NINs without proper consent
• Using the Services for identity theft or fraud
• Reverse engineering, decompiling, or disassembling any part of our Services
• Using automated systems to access our Services
• Interfering with or disrupting the integrity of our Services
• Attempting to gain unauthorized access to our systems
• Using the Services to harass, abuse, or harm others
• Violating any applicable laws or regulations
• Sharing your account credentials with others

Our Rights

All content, features, and functionality available through our Services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, are the exclusive property of Paydora Limited or its licensors and are protected by Nigerian and international copyright, trademark, patent, trade secret, and other intellectual property laws.

Your Rights

You retain ownership of the NIN data you submit for verification. Verification reports are licensed to you for personal or business use as specified in your verification plan. You may not resell, distribute, or commercially exploit verification reports beyond the scope of your purchased license.

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our Services, you agree to our collection and use of personal data as described in our Privacy Policy.

Data Protection Commitment

• We comply with the Nigerian Data Protection Regulation (NDPR) 2019
• We implement appropriate security measures to protect your data
• We do not sell your personal information to third parties
• We retain data only as long as necessary for service provision
• You have rights to access, correct, or delete your personal data

Service Disclaimer

Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• The Services will be uninterrupted or error-free
• Verification results will be 100% accurate
• The Services will meet your specific requirements
• Any errors will be corrected

Limitation of Liability

To the maximum extent permitted by law, Paydora Limited shall not be liable for:

• Any indirect, incidental, or consequential damages
• Loss of profits, revenue, or data
• Damages resulting from reliance on verification reports
• Third-party actions or inactions
• Force majeure events beyond our control

By You

You may terminate your account at any time by contacting our support team or through your account settings. Termination will result in the deletion of your account and associated data, subject to our data retention policies.

By Us

We may terminate or suspend your account and access to our Services immediately, without prior notice or liability, for any reason, including but not limited to:

• Breach of these Terms
• Suspected fraudulent activity
• Violation of applicable laws
• Non-payment of fees
• Security concerns

Negotiation

In the event of any dispute, claim, or controversy arising out of or relating to these Terms, the parties shall first attempt to resolve the matter through good faith negotiation.

Mediation

If negotiation fails, the parties agree to attempt to resolve the dispute through mediation administered by the Lagos Multi-Door Courthouse or any other recognized mediation service in Nigeria.

Arbitration

Any dispute not resolved through mediation shall be finally settled by arbitration in accordance with the Arbitration and Conciliation Act of Nigeria. The arbitration shall take place in Abuja, Nigeria, and shall be conducted in English.

These Terms shall be governed and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions.

Jurisdiction

You agree that any legal action or proceeding arising from these Terms shall be brought exclusively in the competent courts of Lagos State, Nigeria. You consent to the jurisdiction of such courts and waive any objection based on venue or forum non conveniens.

Right to Modify

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect.

Notification of Changes

We will notify you of material changes through:

• Email to the address associated with your account
• Notification on our website
• In-app notifications (if applicable)
• Update of the "Last Updated" date