Terms and Conditions

Effective Date: 25/10/2025

Website: www.biztopay.com

By accessing or using the services provided by Biztopay, you agree to comply with and be bound by the following terms and conditions. If you do not agree, you must not use our services.

1. Account Registration

• You must be at least 18 years old to open an account with Biztopay.
• You agree to provide accurate, current, and complete information during registration and update it as necessary.
• Biztopay reserves the right to suspend or terminate accounts that contain false or misleading information.

2. Use of Services

• Biztopay provides digital banking, payment, and financial services.
• You agree to use our services only for lawful purposes and in compliance with all applicable rules and regulations.
• Unauthorized use, including fraud, money laundering, or any illegal activities, is strictly prohibited.

3. Security and Confidentiality

• You are responsible for maintaining the confidentiality of your account credentials.
• Biztopay uses encryption, multi-factor authentication, and other security measures to protect your data.
• Biztopay is not liable for losses resulting from unauthorized access due to your failure to maintain account security.

4. Transactions

• All transactions are subject to verification and approval by Biztopay.
• Biztopay may limit, block, or reverse transactions if fraudulent or suspicious activity is detected.
• You are responsible for ensuring the accuracy of transaction details.

5. Fees and Charges

• Certain services may incur fees, which will be disclosed on the website or within your account interface.
• Biztopay reserves the right to modify fees with prior notice to users.

6. Limitation of Liability

• Biztopay is not liable for indirect, incidental, or consequential damages resulting from the use of its services.
• Biztopay’s liability for any claim is limited to the amount of funds involved in the disputed transaction.

7. Intellectual Property

• All content, logos, trademarks, and software on the Biztopay platform are the property of Biztopay and protected by intellectual property laws.
• You may not copy, reproduce, or distribute any content without explicit permission.

8. Termination

• Biztopay may suspend or terminate your account at its discretion for violations of these terms or illegal activity.
• You may close your account at any time by following the procedures on the website.

9. Amendments

• Biztopay may update or modify these Terms and Conditions at any time.
• Users will be notified of significant changes, and continued use of services constitutes acceptance of the updated terms.

10. Governing Law

• These Terms and Conditions are governed by the laws of the country in which Biztopay operates.
• Any disputes arising from these terms will be resolved in the competent courts of that jurisdiction.

11. Contact Us

For any questions regarding these Terms and Conditions:

Email: support@biztopay.com
Website: www.biztopay.com/contact