SaylorPay Terms Of Service

Legal Terms Governing the Use of Our Services

Effective Date: June 30, 2025
Last Updated: December 31, 2025

Agreement to Terms

These Terms and Conditions ("Terms", "Terms and Conditions", "Agreement") constitute a legally binding agreement between you ("You", "Your", "User", "Merchant", "Developer") and Coinsaylor Solutions ("Coinsaylor Solutions", "SaylorPay", "we", "us", "our") governing your access to and use of the SaylorPay mobile application, website, APIs, and all related services.

BY REGISTERING FOR, DOWNLOADING, INSTALLING, ACCESSING, OR USING OUR PRODUCT AND/OR SERVICE(S) IN ANY MANNER, YOU AGREE THAT YOU HAVE READ, UNDERSTOOD, AND ACCEPT THIS AGREEMENT AND ALL OTHER OPERATING RULES, POLICIES, AND PROCEDURES IT REFERS TO, INCLUDING OUR PRIVACY POLICY. ONCE ACCEPTED, THIS AGREEMENT SHALL CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND US.

IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE OUR PRODUCT OR SERVICE(S).

1. Definitions

For the purposes of this Agreement:

2. Introduction and Overview

2.1 Welcome to SaylorPay

SaylorPay is a mobile money automation platform operating in Ghana. We provide tools and services that facilitate mobile money transactions through USSD automation technology.

2.2 Scope of Services

SaylorPay operates through two primary offerings:

A. The SaylorPay Mobile Application (Consumer Product)

The SaylorPay App is a mobile application designed to automate USSD-based mobile money transactions and enable seamless peer-to-peer mobile money payments. The App includes:

Using the SaylorPay App, users can:

How It Works: The App automates the USSD dial and input process up to the point where you are required to input sensitive information, such as your mobile money PIN, to authorize the transaction. At no point does SaylorPay access, transmit, or store your PIN.

B. The SaylorPay API Service (Merchant/Developer Service)

SaylorPay offers a merchant-facing API integration service that allows online merchants and developers to embed SaylorPay's USSD automation into their checkout process, payment flows, or business applications.

When a customer selects mobile money as their payment method:

  1. The Merchant's website, online store, or app triggers the SaylorPay API
  2. If the customer has the SaylorPay App installed, the App initiates the payment process by dialing the relevant USSD code based on the customer's and merchant's mobile network providers
  3. The USSD transaction proceeds automatically up to the PIN entry stage
  4. The customer enters their mobile money PIN manually to authorize the payment
  5. The payment is sent directly to the Merchant's mobile money account

2.3 Geographic Scope

SaylorPay currently operates exclusively in Ghana and supports mobile money services from:

3. Critical Clarifications About Our Service

3.1 We Are NOT a Payment Gateway

It is essential to understand that SaylorPay is not a traditional payment gateway or payment processor. Unlike conventional payment gateways:

SaylorPay does NOT:

What SaylorPay Does: Our App and Service facilitate the transaction initiation process by automatically dialing and executing USSD payment sequences on the user's mobile device. We are an automation tool, not a financial intermediary.

3.2 We Are a Payment Facilitator

SaylorPay acts as a payment facilitator (NOT a payment gateway) for merchants and developers by providing:

In This Capacity:

3.3 Non-Custodial Nature

SaylorPay does not hold user funds at any time. All funds remain in your mobile money account, which is managed by your mobile network operator. We cannot access, freeze, reverse, or manipulate your mobile money balance or transactions.

4. Eligibility and Account Requirements

4.1 Eligibility

To use SaylorPay, you must:

4.2 Account Registration

For App Users:

For Merchants/Developers:

4.3 Account Security

You are responsible for:

We reserve the right to suspend or terminate accounts that we suspect have been compromised or are being used for unauthorized purposes.

5. User Responsibilities and Obligations

5.1 For App Users

As a user of the SaylorPay mobile application, you agree to:

General Responsibilities:

Transaction Responsibilities:

Device and Permissions:

Prohibited Uses:

5.2 For Merchants and Developers

As a merchant or developer using the SaylorPay API Service, you agree to:

Payment and Account Management:

Customer Communication:

Fees and Compliance:

API Usage:

Data Protection:

6. Fees and Payment Terms

6.1 For App Users

6.2 For Merchants and Developers

6.3 Refund Policy

Please review our Refund Policy at SaylorPay Refund Policy for complete information on refunds, cancellations, and dispute resolution.

7. Service Availability and Limitations

7.1 Technology Limitations

While we strive to provide a smooth and reliable USSD automation experience, you acknowledge and agree that certain factors beyond our control may affect service performance and availability, including but not limited to:

Network and Infrastructure:

Device and User Factors:

Service Provider Issues:

7.2 No Guarantee of Availability

We do not guarantee that:

7.3 Scheduled and Emergency Maintenance

We reserve the right to:

8. Data, Privacy, and Security

8.1 Privacy Commitment

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

SaylorPay does NOT share the following with third parties:

Please review our Privacy Policy at SaylorPay Privacy Policy for comprehensive information about:

8.2 Information Security

We implement reasonable administrative, technical, and physical security measures designed to protect your personal information. However, you acknowledge that:

8.3 Your Security Responsibilities

You agree to:

9. Intellectual Property Rights

9.1 SaylorPay Ownership

All intellectual property rights in the App, Website, Service, APIs, and all related content, features, and functionality (including but not limited to all information, software, code, text, displays, graphics, photographs, video, audio, design, presentation, selection, and arrangement) are owned by Coinsaylor Solutions, its licensors, or other providers of such material and are protected by Ghana and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

9.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to:

9.3 Restrictions

You may not:

9.4 Trademarks

"SaylorPay," the SaylorPay logo, and other SaylorPay trademarks, service marks, graphics, and logos used in connection with our Service are trademarks or registered trademarks of Coinsaylor Solutions. Other trademarks, service marks, graphics, and logos used in connection with our Service may be the trademarks of their respective owners. You are granted no right or license with respect to any of these trademarks.

9.5 Feedback

If you provide us with any feedback, suggestions, or ideas about the App or Service ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate such Feedback into our products and services without any obligation to compensate you.

10. Disclaimers and Warranties

10.1 "AS IS" Basis

YOUR USE OF SAYLORPAY'S PRODUCT AND SERVICE(S) IS AT YOUR OWN RISK. THE APP, WEBSITE, SERVICE, AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SAYLORPAY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

10.2 Specific Disclaimers

We do not warrant or guarantee that:

10.3 No Financial Advice

SaylorPay does not provide financial, investment, tax, or legal advice. Any information provided through our Service is for informational purposes only and should not be relied upon as advice. You should consult with appropriate professionals before making financial decisions.

10.4 Third-Party Services

Our Service may contain links to third-party websites or rely on third-party services (including mobile network operators). We do not endorse, warrant, or assume responsibility for any third-party websites, services, or products. Your use of third-party services is at your own risk and subject to their respective terms and conditions.

10.5 System Compatibility

You are responsible for:

We cannot guarantee that our Service will be free from viruses, bugs, or other harmful components.

11. Limitation of Liability

11.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SAYLORPAY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY:

WHETHER SUCH LIABILITY ARISES FROM CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT SAYLORPAY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11.2 Cap on Liability

TO THE EXTENT PERMITTED BY LAW, SAYLORPAY'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF:

11.3 Basis of the Bargain

You acknowledge and agree that the disclaimers and limitations of liability set forth in these Terms reflect a reasonable and fair allocation of risk between you and SaylorPay, and that these limitations are an essential basis of SaylorPay's ability to make the Service available to you on an economically reasonable basis.

11.4 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the limitations set forth above may not apply to you. In such jurisdictions, our liability will be limited to the greatest extent permitted by law.

12. Indemnification

12.1 Your Indemnification Obligations

You agree to indemnify, defend, and hold harmless Coinsaylor Solutions (SaylorPay), its parent company, subsidiaries, affiliates, officers, directors, employees, agents, partners, licensors, and service providers (collectively, the "Indemnified Parties") from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees and legal costs) arising from or relating to:

Your Conduct:

Your Content and Transactions:

Security Breaches:

Merchant/Developer Specific:

12.2 Indemnification Process

SaylorPay reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate in asserting any available defenses. You may not settle any claim subject to this indemnification provision without SaylorPay's prior written consent.

13. Prohibited Conduct and Acceptable Use

13.1 Prohibited Activities

You agree NOT to use the App or Service to:

Illegal Activities:

Fraudulent Conduct:

System Abuse:

Harmful Content:

Rights Violations:

13.2 Consequences of Prohibited Conduct

If you engage in any prohibited conduct, we reserve the right to:

14. Termination and Suspension

14.1 Termination by You

You may stop using the App or Service at any time by:

For merchants and developers, you must provide written notice if you wish to formally terminate your API service agreement.

14.2 Termination or Suspension by SaylorPay

We reserve the right to suspend or terminate your access to the App or Service, with or without notice, for any reason, including but not limited to:

Breach of Terms:

Prohibited Activities:

Risk Management:

Regulatory Requirements:

Inactivity:

14.3 Effect of Termination

Upon termination of your account or access:

14.4 No Liability for Termination

You agree that SaylorPay shall not be liable to you or any third party for any termination or suspension of your access to the Service, except as expressly provided in these Terms or required by applicable law.

15. Dispute Resolution Between Users and Merchants

15.1 Transaction Disputes

SaylorPay is NOT responsible for resolving disputes between:

15.2 Resolution Process

If a dispute arises:

15.3 SaylorPay's Role

SaylorPay may, at our sole discretion:

However, we are under no obligation to do so and any assistance we provide does not constitute an admission of liability or responsibility for the dispute.

16. Governing Law and Dispute Resolution

16.1 Governing Law

These Terms and your use of the Service shall be governed by and construed in accordance with the laws of the Republic of Ghana, without regard to its conflict of law provisions.

16.2 Jurisdiction and Venue

For Disputes Between You and SaylorPay:

Any legal action, suit, or proceeding arising out of or relating to these Terms or the Service shall be instituted exclusively in the courts of Ghana. You waive any objection to the jurisdiction of such courts or venue in such courts.

16.3 Informal Dispute Resolution

Before initiating any formal legal proceedings against SaylorPay, you agree to first contact us at [email protected] to attempt to resolve the dispute informally. We will attempt to resolve disputes through good faith negotiations within 30 days of receiving your notice.

16.4 Waiver of Class Actions

TO THE EXTENT PERMITTED BY LAW, YOU AND SAYLORPAY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

17. General Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy, Cookie Policy, Refund Policy, and any other policies or guidelines referenced herein, constitute the entire agreement between you and SaylorPay regarding your use of the Service and supersede any prior agreements, understandings, or arrangements between you and SaylorPay, whether oral or written.

17.2 Amendments and Updates

We reserve the right to modify, update, or revise these Terms at any time at our sole discretion. When we make changes, we will:

Your continued use of the Service after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service.

17.3 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, such provision shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

17.4 Waiver

No waiver by SaylorPay of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure by SaylorPay to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

17.5 Assignment

You may not assign, transfer, or delegate these Terms or your rights and obligations hereunder, in whole or in part, without SaylorPay's prior written consent. Any attempted assignment, transfer, or delegation without such consent shall be null and void.

SaylorPay may assign, transfer, or delegate these Terms or our rights and obligations hereunder, in whole or in part, without your consent, including in connection with any merger, acquisition, reorganization, or sale of assets.

17.6 Force Majeure

SaylorPay shall not be liable for any failure or delay in performing our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to:

17.7 No Agency Relationship

No agency, partnership, joint venture, employer-employee, or franchiser-franchisee relationship is intended or created by these Terms. You have no authority to bind SaylorPay in any way.

17.8 Third-Party Beneficiaries

These Terms are for the benefit of you and SaylorPay only and are not intended to confer any rights upon any third party, except as explicitly stated herein (such as indemnified parties).

17.9 Notices

To You: We may provide notices to you via:

You consent to receive communications from us electronically, and you agree that such electronic communications satisfy any legal requirement that communications be in writing.

To SaylorPay: You may provide notices to us at:

Notices to SaylorPay shall be deemed effective when received by us.

17.10 Language

These Terms are drafted in English. In the event of any conflict between the English version and any translation, the English version shall prevail.

17.11 Survival

The following provisions shall survive termination of these Terms: Sections relating to intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, governing law, and any other provisions that by their nature should survive.

17.12 Headings

The section and paragraph headings in these Terms are for convenience only and shall not affect their interpretation.

18. Cookies and Tracking Technologies

Like many other websites and applications, we use cookies and similar tracking technologies to identify you as a user and to customize and improve our Service.

What Are Cookies? Cookies are small text files stored on your device when you visit a website or use an application. They enable us to remember your actions, preferences, and account information.

How We Use Cookies:

Types of Cookies: We may use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device until deleted or expired).

Your Cookie Choices:

19. Mobile Network Operator Relationship

19.1 Independent Service

SaylorPay is an independent service provider and is not affiliated with, endorsed by, or sponsored by MTN Ghana, Telecel Ghana, AirtelTigo Ghana, or any other mobile network operator.

19.2 Network Operator Terms

Your use of mobile money services is subject to the terms and conditions of your mobile network operator. We encourage you to review and comply with your network operator's terms of service.

19.3 Network Operator Fees

All mobile money transaction fees charged by your network operator are separate from any fees charged by SaylorPay. We do not control, set, or receive any portion of network operator transaction fees.

19.4 Service Provider Limitations

SaylorPay's Service depends on the availability and functionality of mobile network operators' USSD and mobile money systems. Changes made by network operators to their systems, menu structures, or policies may affect SaylorPay's functionality. We are not responsible for any disruptions caused by network operator changes or decisions.

20. Compliance and Regulatory Matters

20.1 Know Your Customer (KYC) and Anti-Money Laundering (AML)

SaylorPay is committed to preventing money laundering, terrorist financing, and other financial crimes. We reserve the right to:

20.2 Compliance with Laws

You agree to comply with all applicable laws and regulations when using the Service, including but not limited to:

20.3 Restricted Activities and Prohibited Transactions

You may not use SaylorPay to:

20.4 Cooperation with Authorities

We reserve the right to cooperate with law enforcement, regulatory authorities, and government agencies in any investigation. This may include providing user information, transaction records, or other data as required by law or legal process.

21. Contact Information and Support

21.1 Customer Support

For questions, technical support, complaints, or general inquiries, you may contact us through:

Email: [email protected]
Phone: +233 539 084 357
WhatsApp: +233 539 084 357
Website: https://saylorpay.com

21.2 Business Hours

Our support team operates during the following hours:

21.3 Complaints and Feedback

We value your feedback and take complaints seriously. If you have a complaint:

  1. Contact our support team with details of your concern
  2. We will acknowledge receipt of your complaint within 3 business days
  3. We will investigate and respond within 3 business days
  4. If you are not satisfied with our response, you may escalate your complaint as described in our Complaints Policy

22. Accessibility

We are committed to making our Service accessible to all users. If you experience any difficulty accessing any part of our Service or require assistance, please contact us at [email protected], and we will work to provide the information or service in an alternative format.

23. Environmental and Social Responsibility

SaylorPay is committed to operating responsibly and sustainably. By facilitating mobile money transactions, we support:

24. Acknowledgment and Acceptance

BY USING SAYLORPAY'S PRODUCT AND/OR SERVICE(S), YOU ACKNOWLEDGE THAT:

  1. You have read, understood, and agree to be bound by these Terms and Conditions
  2. You have read and agree to our Privacy Policy
  3. You meet the eligibility requirements to use the Service
  4. You will use the Service in compliance with all applicable laws
  5. You understand that SaylorPay is not a payment gateway and does not hold funds
  6. You understand that transaction completion depends on factors beyond SaylorPay's control
  7. You accept the risks associated with using mobile money and USSD automation
  8. You are responsible for maintaining the security of your account and device
  9. You are responsible for all activities conducted through your account
  10. You agree to the disclaimers, limitations of liability, and indemnification provisions contained herein

IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT USE SAYLORPAY'S PRODUCT OR SERVICE(S).