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PentaPay Terms & Conditions 

A legal disclaimer effective 10 July

Welcome to PentaPay. These Terms & Conditions (“Terms”) govern your use of our services, including our web and mobile platforms, applications, and APIs (“Services”). By accessing or using PentaPay, you agree to comply with and be bound by these Terms.

1. Definitions

  • "PentaPay", "we", "our", or "us" refers to the platform operator and technology provider.

  • "User", "you", or "your" means any individual or entity using our Services.

  • "Personal Data" means any information that relates to an identified or identifiable individual.

  • "Processor" and "Controller" have the meanings as defined in applicable data protection laws (e.g., GDPR, POPIA).

2. Use of Services

  • You must be 18 years or older to use PentaPay.

  • You agree to provide accurate, current, and complete registration information.

  • You are responsible for maintaining the confidentiality of your account credentials.

3. Payment Processing

  • PentaPay facilitates payment scheduling, micro-transactions, and automation between verified users.

  • We are not a licensed bank. All payment execution is handled via integrated third-party financial institutions.

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4. Acceptable Use

  • You agree not to use PentaPay for any unlawful, harmful, or fraudulent purpose.

  • Prohibited activities include money laundering, financing of terrorism, and any activity in breach of financial or data protection regulations.

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5. Intellectual Property

  • All content, branding, and software used in the Services are the exclusive property of PentaPay or its licensors. You may not copy, modify, or distribute without written permission.

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6. Disclaimers & Limitation of Liability

  • Services are provided "as is" without warranties of any kind.

  • PentaPay is not liable for losses resulting from failed payments, technical issues, or third-party services.

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7. Privacy and Data Protection

  • Use of your personal data is governed by our Privacy Policy. PentaPay acts as a data processor where clients use our services to process personal data of their users.

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