GrinaPay

Terms of Service

Last updated: May 20, 2025

1. Introduction

Welcome to GrinaPay. These Terms of Service ("Terms") govern your access to and use of GrinaPay's website, mobile applications, APIs, and other online products and services (collectively, the "Services").

By creating an account or using our Services, you agree to these Terms. If you do not agree to these Terms, you may not access or use our Services.

2. Account Registration and Security

To use certain features of our Services, you must register for an account. When you register, you agree to provide accurate, current, and complete information about yourself and to update this information to keep it accurate, current, and complete.

You are responsible for safeguarding your account credentials and for all activities that occur under your account. You agree to notify GrinaPay immediately of any unauthorized use of your account or any other breach of security.

3. Financial Services

GrinaPay provides various financial services, including but not limited to payment processing, money transfers, and digital wallet services. These services are subject to applicable financial regulations and may require additional verification of your identity.

By using our financial services, you represent and warrant that:

  • You are at least 18 years old
  • You have the legal capacity to enter into binding contracts
  • You will use our services only for lawful purposes
  • You will provide accurate and complete information for all transactions
  • You will comply with all applicable laws and regulations

4. Fees and Charges

GrinaPay may charge fees for certain services as described in our Fee Schedule, which is incorporated into these Terms by reference. We reserve the right to change our fees at any time with notice to you.

You are responsible for all taxes, duties, and other governmental assessments associated with your use of our Services.

5. Prohibited Activities

You agree not to use our Services to:

  • Violate any applicable law, regulation, or third-party rights
  • Engage in fraudulent, deceptive, or misleading activities
  • Transmit any harmful code, malware, or other malicious software
  • Attempt to gain unauthorized access to our systems or other users' accounts
  • Use our Services for money laundering, terrorist financing, or other illegal activities
  • Conduct transactions involving illegal goods or services
  • Interfere with the proper operation of our Services

6. Intellectual Property

Our Services and all related content, features, and functionality are owned by GrinaPay or its licensors and are protected by intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our Services without our prior written consent.

7. Privacy and Data Protection

Our Privacy Policy describes how we collect, use, and share your personal information. By using our Services, you agree to our collection, use, and sharing of your information as described in our Privacy Policy.

7.1 Regional Data Protection Laws

Depending on your location, different data protection laws may apply to your use of our Services:

European Union

If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, your personal data is protected by the General Data Protection Regulation (GDPR) and similar national laws. Under these laws, you have rights to access, rectify, erase, restrict processing, object to processing, and port your personal data. We process your data based on contract performance, legal obligations, legitimate interests, or your explicit consent.

United States

If you are located in the United States, your personal information may be protected by federal laws such as the Gramm-Leach-Bliley Act (GLBA) and state laws such as the California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), Virginia Consumer Data Protection Act (VCDPA), Colorado Privacy Act (CPA), and others. These laws may provide you with rights to know what personal information we collect, delete your personal information, opt out of sales of personal information, and non-discrimination for exercising these rights.

Africa

If you are located in Africa, your personal information may be protected by laws such as South Africa's Protection of Personal Information Act (POPIA), Nigeria's Data Protection Regulation (NDPR), Kenya's Data Protection Act, Ghana's Data Protection Act, and other national data protection laws. These laws generally provide rights to access, correct, and delete your personal information, and require us to process your data lawfully, securely, and for specified purposes.

8. Termination

We may suspend or terminate your access to our Services at any time, for any reason, without notice. You may terminate your account at any time by contacting customer support.

Upon termination, you remain liable for all obligations related to your account, including any pending transactions or outstanding fees.

9. Disclaimers and Limitations of Liability

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GRINAPAY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR LIMITATIONS ON LIABILITY, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

10. Governing Law and Dispute Resolution

The governing law is determined based on your country of residence: Europe: EU laws. Nigeria: Laws of the Federal Republic of Nigeria. North America: Laws of the State of Delaware (USA) or Province of Ontario (Canada). Other Africa: Local jurisdiction laws

10.1 Regional Variations

European Union

If you are a resident of the European Union, these Terms shall be governed by the laws of your country of residence, and you may bring legal proceedings in the courts of your country of residence. Nothing in these Terms affects your rights as a consumer to rely on mandatory provisions of local consumer protection laws.

United States

If you are a resident of the United States, any dispute arising out of or relating to these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that you may assert claims in small claims court if your claims qualify.

Africa

If you are a resident of an African country, these Terms shall be governed by the laws of your country of residence, and disputes shall be resolved in accordance with the applicable laws and procedures of that jurisdiction.

11. Changes to Terms

We may modify these Terms at any time. If we make material changes, we will notify you through our Services or by other means. Your continued use of our Services after such notification constitutes your acceptance of the modified Terms.

12. Contact Information

If you have any questions about these Terms, please contact us at:

GrinaPay Legal Department
Email: legal@grinapay.com
Address: 8 The Green Street R Dover, DE 19901, United States