1. Introduction

These Terms form a contract between you (the user) and DubaPay.com (referred to as "we," "us," or "our"). DubaPay.com offers a range of payment solutions for individuals, merchants, and developers. Our goal is to provide secure, efficient, and transparent services. In addition to these Terms, your use of our services is also subject to our Privacy Policy, any applicable laws, and additional agreements you may enter into with us.

2. Eligibility to Use the Services

1. Legal Age: You must be at least 18 years old (or the age of majority in your jurisdiction) to use DubaPay.com services.
2. Authority: If you are using our services on behalf of an organization, you must have the authority to bind that organization to these Terms.
3. Compliance: You agree to comply with all applicable laws, rules, and regulations, including anti-money laundering (AML) and counter-terrorism financing (CTF) requirements.

3. Account Registration and Security

1. Creating an Account: To access certain features of our platform, you must register an account with accurate and complete information. Failing to provide accurate details may result in account suspension or termination.
2. Responsibility for Credentials: You are responsible for maintaining the confidentiality of your login credentials and API keys. Sharing your credentials with unauthorized individuals is strictly prohibited.
3. Reporting Unauthorized Access: If you suspect any unauthorized access to your account, you must notify us immediately at Support@DubaPay.com

4. Description of Services

DubaPay.com provides:

1. Payment Processing Services: Secure facilitation of transactions between buyers and sellers.
2. API Access: API Access: Tools to integrate our payment solutions into your applications.
3. Payment Gateway: A robust platform for managing online and offline payment transactions. Services may be updated, modified, or discontinued at our sole discretion.

5. Fees, Charges, and Billing

1. Service Fees

   Fees for using our services are listed in the Fee Schedule on our website. This includes transaction fees, subscription charges, and any additional costs related to API usage.

2. Currency Conversion

   Cross-border payments may be subject to currency conversion charges based on prevailing exchange rates.

3. Refund Policy

   Refunds are subject to specific terms outlined in our Refund Policy. Processing fees may not be refundable.

6. Privacy and Data Protection

1. Data Collection:

   We collect and process personal and financial information in accordance with our Privacy Policy.

2. Data Security:

   We employ industry-standard measures to protect your data. However, no system is completely secure, and we cannot guarantee absolute protection.

3. Third-Party Sharing:

   We do not sell your information to third parties. Information may be shared with trusted partners for legitimate operational purposes, as described in our Privacy Policy.

7. User Obligations and Prohibited Activities

1. Accurate Information:

   You agree to provide accurate, current, and complete information in all interactions with our platform.

2. Prohibited Uses:
   • Engaging in illegal activities, such as fraud, money laundering, or terrorism financing.
   • Using the API or payment gateway to process unauthorized transactions.
   • Violating intellectual property rights or privacy laws.

8. API Terms of Use

1. Access and Integration:
   • The API is provided for seamless integration of DubaPay.com services into third-party applications.
   • Users must adhere to our API documentation and guidelines.
2. Security:
   • API credentials must be stored securely. Misuse or exposure of your credentials may result in suspension of your account.
   • You must implement proper encryption protocols to ensure secure data transmission when using the API.
3. Usage Limits:
   • Excessive API calls or actions that disrupt our platform's functionality are prohibited.
   • DubaPay.com may impose rate limits or deny access to protect system integrity.
4. API Modifications:
   • We reserve the right to update, modify, or discontinue API features. Where feasible, we will notify users in advance.
5. Prohibited Use:
   • Unauthorized scraping, reverse engineering, or use of the API for purposes outside of its intended function is prohibited.

9. Payment Gateway Terms of Use

1. Merchant Integration:
   • Merchants must follow the guidelines provided in our Payment Gateway Documentation for proper integration.
2. Security:
   • API credentials must be stored securely. Misuse or exposure of your credentials may result in suspension of your account.
   • You must implement proper encryption protocols to ensure secure data transmission when using the API.
3. Usage Limits:
   • Excessive API calls or actions that disrupt our platform's functionality are prohibited.
   • DubaPay.com may impose rate limits or deny access to protect system integrity.
4. API Modifications:
   • We reserve the right to update, modify, or discontinue API features. Where feasible, we will notify users in advance.
5. Prohibited Use:
   • Unauthorized scraping, reverse engineering, or use of the API for purposes outside of its intended function is prohibited.

10. Dispute Resolution

1. Internal Process:

   Users must first attempt to resolve disputes by contacting our customer support team.

2. Chargebacks and Reversals:

   Disputes involving chargebacks are handled according to the card issuer’s policies and may incur additional fees.

11. Termination of Services

1. By the User:
   • You may terminate your account at any time by contacting us.
2. By DubaPay.com:
   • We may terminate or suspend your account for violations of these Terms, fraudulent activity, or non-compliance with applicable laws.

12. Limitation of Liability

DubaPay.com is not liable for:

1. Losses resulting from user negligence or unauthorized access.
2. Interruptions in service due to third-party system failures.
3. Indirect, incidental, or consequential damages.

13. Governing Law and Jurisdiction

This Agreement shall be governed by and construed in accordance with the laws applicable in Cyprus.

Any disputes arising out of or in connection with this Agreement, including disputes relating to its validity, interpretation, or termination, may be resolved under the jurisdiction of the courts in Nicosia. However, the Company reserves the right to bring proceedings in any other court of competent jurisdiction, where necessary.