Terms of Service

1. Introduction

Welcome to LollaPay, a digital payments platform operated by Lolla Technologies Ltd

LollaPay enables businesses and individuals in Kenya to accept and process payments through QR codes, mobile money, bank integrations, and digital channels.

By accessing or using LollaPay, you agree to these Terms of Service and all applicable laws of the Republic of Kenya.

If you do not agree, you must discontinue use of the platform.

2. Definitions

“Platform” – LollaPay web, mobile applications, APIs, and services

“User” – any individual or entity using LollaPay

“Merchant” – business receiving payments

“Customer” – person making payments

“Services” – payment processing and related services

3. Eligibility

To use LollaPay, you must:

• Be at least 18 years old
• Be legally capable of entering into contracts under Kenyan law
• Provide accurate and verifiable information
• Businesses must be legally registered in Kenya or their respective jurisdictions.

4. Account Registration & Security

You are responsible for:

• Maintaining the confidentiality of your credentials
• All activities conducted under your account
• Immediately reporting unauthorized access

LollaPay shall not be liable for unauthorized use due to user negligence.

5. Services Provided

LollaPay offers:

• QR code-based payments
• Mobile money integrations (M-Pesa)
• Bank payment integrations
• Transaction tracking and reporting
• API integrations for businesses

We may update or discontinue services at any time.

6. Fees & Charges

• Transaction and service fees may apply
• Fees will be disclosed prior to usage
• LollaPay may deduct fees directly from processed payments
• Failure to pay applicable fees may result in suspension.

7. Payment Processing & Third Parties

LollaPay integrates with third-party providers including:

• Banks
• Mobile network operators
• Payment gateways

We are not responsible for:

• Service outages
• Transaction delays
• Failures caused by third parties

8. Compliance with Kenyan Laws

Users must comply with all applicable Kenyan laws, including:

• Data Protection Act, 2019
• Central Bank of Kenya regulations
• Anti-Money Laundering (AML) laws
• Know Your Customer (KYC) requirements

9. KYC & Verification

LollaPay may require:

• National ID / Passport verification
• Business registration documents
• Ongoing transaction monitoring

Accounts may be suspended if verification is incomplete.

10. Acceptable Use

You agree NOT to:

• Engage in fraud or illegal activities
• Process unauthorized payments
• Violate financial or regulatory requirements
• Use the platform for prohibited goods/services

11. Data Protection & Privacy

We process personal data in accordance with:

• Data Protection Act, 2019

We collect data to:

• Facilitate transactions
• Improve services
• Ensure compliance and security

We do not sell personal data.

12. Transaction Responsibility

• Users must verify payment details before confirming
• Transactions may be irreversible once processed
• Disputes should be resolved between the involved parties

13. Security

We implement industry-standard safeguards including:

• Encryption
• Secure infrastructure
• Access control mechanisms

However, users must also maintain security practices.

14. Intellectual Property

All platform content, trademarks, and technology belong to ABNO Cloud or its licensors.

Unauthorized use is strictly prohibited.

15. Service Availability

We aim for high uptime but do not guarantee uninterrupted access.

We are not liable for:

• Downtime
• Maintenance interruptions
• Technical failures

16. Limitation of Liability

To the extent permitted by Kenyan law:

• Indirect or consequential damages
• Loss of profits or revenue
• Third-party service failures

Total liability shall not exceed fees paid in the preceding 3 months.

17. Indemnification

You agree to indemnify LollaPay against:

• Claims arising from misuse of the platform
• Violations of these Terms
• Fraudulent or illegal activities

18. Suspension & Termination

• Terms are violated
• KYC requirements are not met
• Suspicious activity is detected

Users may terminate their account at any time.

19. Governing Law & Jurisdiction

These Terms shall be governed by the laws of:

Republic of Kenya

Disputes shall be subject to the exclusive jurisdiction of Kenyan courts.

20. Changes to Terms

We may update these Terms periodically.

Continued use of the platform constitutes acceptance of the updated Terms.