Welcome to iPayHub!
This User Policy outlines the terms and conditions governing the use of iPayHub’s platform by individual users (“Users”). By creating an account and using iPayHub’s services, you agree to follow the rules and guidelines below to ensure a secure, reliable, and seamless experience for all users.
1. Account Registration and Eligibility
Account Creation
- Users must provide accurate and complete information during registration.
- An account may be created using a verified phone number or email address.
- Users are responsible for safeguarding their login credentials and all activity under their account.
Eligibility
- Users must be at least 18 years of age or meet the legal age in their country of residence.
- By registering, users confirm compliance with all applicable laws and regulations.
- Account creation signifies acceptance of iPayHub’s Terms of Service, Privacy Policy, and any applicable third-party service terms.
KYC Verification
- Users are required to complete Know Your Customer (KYC) verification, which may take up to 1 business day.
- Access to services may be limited until verification is completed.
- Accounts that fail verification may be restricted or deactivated.
2. Services Provided
Platform Access
- iPayHub provides tools to manage digital payments, monitor transactions, and support business operations.
- iPayHub facilitates payments through third-party gateways but does not hold or store user funds directly unless otherwise stated.
iPayHub Store
- Users can browse, buy, or sell products through participating businesses on the “iPayHub Store.”
- Transactions are subject to terms set by individual businesses or merchants.
Account Management
- Users can manage preferences, update personal details, and view transaction history via their dashboard.
3. Fees and Charges Policy
- iPayHub does not charge users for standard platform access.
- Merchants and business accounts may be subject to custom pricing or service fees.
- All applicable fees will be clearly disclosed before use.
4. User Responsibilities
Accurate Information
- Users must provide and maintain accurate, current information during account registration and KYC.
Prohibited Activities
- Fraudulent, illegal, or unauthorized activities are strictly prohibited.
- Violations may result in immediate suspension or termination of accounts.
Compliance
- Users are responsible for understanding and complying with local laws and platform policies.
5. Refunds and Disputes
Refund Policy
- Refunds are governed by the policies of individual businesses or merchants.
- iPayHub does not process refunds directly unless legally required.
Dispute Resolution
- Users must submit disputes through iPayHub’s support system.
- iPayHub will assist in resolving disputes but does not guarantee specific outcomes.
6. Account Security
Data Protection
- iPayHub uses encryption and industry-standard protocols to safeguard user information.
Unauthorized Access
- Users must promptly notify iPayHub of any unauthorized access or suspicious activity.
7. Limitations of Liability
Service Availability
- While iPayHub strives for high uptime, it is not liable for disruptions caused by maintenance, technical failures, or third-party systems.
Liability Waiver
- iPayHub is not responsible for losses due to unauthorized transactions, misuse, or non-compliance with this policy.
8. Policy Updates and Amendments
- iPayHub reserves the right to modify this User Policy at any time.
- Users will be notified of significant changes via email or platform notifications.
- Continued use after updates constitutes acceptance of the revised terms.
9. Termination of User Accounts
Grounds for Termination
- Breaches of this policy, Terms of Service, or engagement in prohibited activities.
Post-Termination
- Terminated accounts lose access to platform services. Data may be archived or deleted per the retention policy.
10. Business Accounts
- Users opening business accounts must provide valid business registration documents and complete enhanced verification.
- Business accounts include access to merchant tools, product listings, and invoicing.
- Business accounts are governed by a separate Business Account Policy.
11. Onboarding and Offboarding
- iPayHub may revise onboarding and offboarding procedures at its discretion, based on compliance and risk assessments.
12. Contact Us
For questions or support regarding this policy or your account, please contact us at support@ipayhub.net.