1. Introduction

Welcome to Smenpay, a secure platform for money transfers and escrow services. By accessing or using our services, you agree to be bound by these Terms and Conditions.

2. Definitions

\"User\" refers to any individual or entity using Smenpay.
\"Escrow\" means the temporary holding of funds until transaction conditions are met.
\"Transaction\" refers to any money transfer initiated through Smenpay.

3. Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to use Smenpay.

4. Services Offered

Smenpay provides:

Peer-to-peer money transfers
Escrow-based transactions for secure payments
Transaction tracking and dispute resolution

5. Account Registration

Users must provide accurate personal and financial information. Smenpay reserves the right to verify identity and suspend accounts for fraudulent activity.

6. Fees and Charges

Transaction fees may apply and will be disclosed before confirmation. Escrow services may include additional charges.

7. Escrow Terms

Funds held in escrow will only be released when both parties confirm the transaction is complete. In case of dispute, Smenpay will mediate based on submitted evidence.

8. Payment and Refund Policy

Payments are processed via Flutterwave and other secure gateways. Refunds are subject to transaction status and dispute outcomes. Smenpay is not liable for delays caused by third-party processors.

9. User Responsibilities

Users agree not to:

Use Smenpay for illegal activities
Misrepresent identity or transaction details
Circumvent escrow protections

10. Limitation of Liability

Smenpay is not liable for:

Losses due to user error or negligence
Delays or failures caused by third-party services
Unauthorized access due to weak user credentials

11. Privacy Policy

Your data is handled in accordance with our Privacy Policy. We do not sell or share personal information without consent.

12. Termination

Smenpay may suspend or terminate accounts for violations of these terms, fraud, or abuse of services.

14. Contact Us

For support or legal inquiries, 

contact:📧 support@smenpay.com 📞 +234 8032062796