These Terms & Conditions ("Terms") govern your use of the Komai Business platform and its associated services. By accessing or using our platform, you agree to comply with these Terms. If you do not agree with any part of these Terms, please refrain from using our services.

1. Account Registration: To use our platform, you must create an account and provide accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

2. Acceptable Use: You agree to use our platform for lawful purposes and in compliance with applicable laws and regulations. You will not engage in any activity that may harm, disrupt, or interfere with the functioning of our platform or the experience of other users.

3. User Content: You retain ownership of any content you submit or upload to our platform. However, by sharing content, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and distribute the content for the purposes of operating and promoting our platform.

4. Intellectual Property: All content and intellectual property on the Komai Business platform, including logos, trademarks, and copyrighted materials, are owned by us or our licensors. You agree not to use or reproduce any of our intellectual property without our prior written consent.

5. Privacy: We collect and process personal data in accordance with our Privacy Policy. By using our platform, you consent to the collection, storage, and use of your personal data as described in the Privacy Policy.

6. Limitation of Liability: We strive to provide accurate and reliable information on our platform, but we do not guarantee its completeness or accuracy. We shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use or inability to use our platform.

7. Termination: We reserve the right to suspend or terminate your access to our platform at any time, without prior notice, for any reason or no reason. Upon termination, any licenses or permissions granted to you under these Terms will immediately cease.

8. Governing Law: These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which the Komai Business entity is registered.

9. Modifications: We may update or modify these Terms from time to time. Any changes will be effective upon posting on our platform. It is your responsibility to review the Terms periodically for any updates.

By using our platform, you agree to be bound by these Terms & Conditions. If you have any questions or concerns regarding these Terms, please contact our support team.

At Kopay.NG, we take your privacy seriously and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, and safeguard your data when you use our services.

1. Information Collection: We collect certain personal information, including but not limited to your name, contact details, and transaction history, to provide you with our services. We may also collect anonymous data for analytics purposes.

2. Data Usage: Your personal information is used to process transactions, deliver products or services, and provide customer support. We may also use your data for marketing purposes, with your consent.

3. Data Security: We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, or disclosure. However, no method of data transmission over the internet can be guaranteed as 100% secure.

4. Third-Party Disclosure: We may share your personal information with trusted third parties for purposes such as payment processing, delivery services, or analytics. We ensure that these parties adhere to strict privacy standards.

5. Cookies and Tracking: Our website and mobile app may use cookies and similar technologies to enhance your browsing experience and track usage information. You have the option to disable cookies in your browser settings.

6. Data Retention: We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, or as required by law.

By using our services, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy. We may update this policy from time to time, and any changes will be posted on our website.

If you have any questions or concerns about our Privacy Policy, please contact us through the provided channels. Your privacy is important to us, and we are committed to ensuring the security and confidentiality of your information.

Here at Kopay.NG, We understand that on some very rare occassions transactions may fail due to technical issues or unforeseen circumstances. In such cases, we strive to ensure a seamless resolution for our customers. Please review our refund policy for failed transactions below:

1. Automatic Refunds: If a transaction fails and payment has been deducted from your account, our system automatically initiates a refund within 2 business days.

2. Notification: You will receive an automated notification via email or SMS confirming the failed transaction and the initiation of the refund process.

3. Refund Processing Time: Refunds are typically processed within 2 business days. However, depending on your financial institution, it may take additional time for the amount to reflect in your account.

4. Contact Information: Should you encounter any issues or if the refund does not reflect within the stipulated time, please reach out to our customer support team using one of our Communication Channels. Our dedicated team will assist you in resolving the matter promptly.

5. PrivacyNon-Refundable Scenarios: Certain transactions may not be eligible for refunds due to specific terms and conditions. These scenarios will be clearly communicated at the time of the transaction.

Please note that this refund policy is applicable only to failed transactions and does not cover cases where services or products have been successfully delivered.

We appreciate your understanding and cooperation. If you have any further questions or require assistance, do not hesitate to contact us.