Payla Signature Ltd Terms & Conditions
These Terms & Conditions ("Terms") govern your access to and use of the Payla platform, including paylinks, invoicing tools, analytics, communication tools, and other digital services provided by Payla Signature Ltd ("Payla", "we", "our", "us").
Your Agreement
By using Payla, you agree to be bound by these Terms.
Eligibility
To use Payla, you must:
Age Requirement
Be at least 18 years old.
Accurate Information
Provide accurate registration information.
Legal Compliance
Comply with all applicable laws and regulations in your region.
Account Registration
Account Security
You are responsible for maintaining the confidentiality of your account.
Security Breaches
You must immediately notify Payla of unauthorized access or security breaches.
Account Actions
Payla may disable, restrict, or suspend accounts that violate these Terms.
Services Provided
Payla provides software‑as‑a‑service (SaaS) tools including:
Paylinks and branded payment pages
Invoice creation and tracking
Automated reminders and notifications
Basic analytics and reporting dashboards
Digital identity features for your business operations
Important Note
Payla does not operate as a bank, financial institution, or money transfer service. All payment processing is executed by Paystack, a licensed payment processor, using its secure payment infrastructure. Payla does not store card details or hold user funds.
Payouts to users’ bank accounts are initiated automatically via Paystack’s transfer APIs, subject to applicable compliance checks
User Responsibilities
You agree not to:
Payla reserves the right to:
Payment & Subscriptions
Paid Features
Paid features require an active subscription or valid promotional plan.
Promotions
Payla may offer temporary promotions (such as Payla Year promotional pricing) subject to limitations.
Refunds
Subscription fees are non‑refundable except when required by law.
Trial Expiration
Users on trial who do not upgrade may lose access to premium features, and payment pages may become restricted.
Free Trial Terms
During Trial
Full access to all features during the trial period.
After Expiration
Your paylink and invoices may remain visible but payment acceptance will be disabled.
Restoration
You must upgrade to restore full functionality.
Compliance and Anti‑Money Laundering (AML)
Compliance Procedures
Payla implements strict compliance procedures including AML and fraud monitoring.
Verification
Payla may request additional verification documents.
Account Actions
Payla may freeze or limit your account if suspicious activity is detected.
Reporting
Payla may report unlawful or high‑risk activity to regulators and cooperating authorities.
Monitoring
You consent to our use of automated and manual systems to identify risk.
Data and Content Ownership
Your Ownership
You retain ownership of data you upload.
License Grant
You grant Payla a license to store, display, and process your data for service delivery.
Intellectual Property
You must ensure uploaded content does not violate intellectual property rights.
Platform Availability
Uptime
We strive for 99% uptime but do not guarantee uninterrupted access.
Maintenance
Scheduled maintenance or unforeseen outages may occur.
Limitation of Liability
Payla is not liable for:
Maximum Liability
Our maximum liability is limited to fees paid within the last 3 months.
Modifications to Terms
We may revise these Terms periodically. Continued use of Payla constitutes acceptance of updated Terms.
Governing Law
Jurisdiction
These Terms are governed by the laws of the Federal Republic of Nigeria.