DefinitionsAbout this WebsiteAgreementAcceptable UseProhibited UseIntellectual Property OwnershipUser AccountSubscription of ServicesPayment and BillingPerformance of ServicesPrivacy PolicyLinks to Third Party Sites/ServicesElectronic CommunicationsReverse Engineering and SecurityChange to ServiceIndemnificationNo WarrantiesService InterruptionsTermination/Restriction of AccessGeneral Provisions

TERMS & CONDITIONS

Effective date: May 26, 2026

These terms and conditions apply to You, the user of this website (including any sub-domains, unless expressly excluded by their own terms and conditions), and Vistapay Technologies Limited, the owner and operator of the following website: vistapay hq (the "Website"), with the following URL web address: https://vistapayhq.com/

PLEASE READ THE TERMS AND CONDITIONS CAREFULLY, as they affect your legal rights.

1. Definitions

“Parties” means both You (the user of the Service) and the Owner of this Service.

“Content” means any content, writing, images, audiovisual content or other information published on this Service.

“Materials” Means any materials, information or documentation that we may provide to You in connection with Your use of the Products, including documentation, data, information developed, any use and other materials which may assist in Your use of the Goods or Service.

“Terms” Means these terms and conditions.

“Service” Means the website, including all pages, subpages, forums and other connected internet content whatsoever.

“Services” Means the services offered on the Website.

2. About this Website

The Website is a digital financial service platform store that engages in providing real-time and seamless payments.

This Website is comprised of various web pages operated by Vistapay Technologies Limited.

This Service is offered to You upon Your acceptance of the Terms, conditions, and notices hereinafter contained. Your use of this Service constitutes Your agreement to all the Terms contained herein.

3. Agreement

  1. By using this Website, You acknowledge that You have reviewed, considered the Terms of this Agreement, understand same and agree to be bound by it. If you do not agree with these Terms or do not intend to be bound by them, you must quit using this Website immediately. In addition, when using these Services, You shall be subject to any posted guidelines or rules applicable to such services. Accordingly, any participation in this Service shall constitute acceptance of this Agreement.
  2. By using this Website and agreeing to these Terms, You represent and warrant that You have the legal capacity to accept these Terms.

4. Acceptable Use

  1. We may provide You with other financial affiliated services in connection with Your use of this Service.
  2. We hereby grant You the license to use our website and application for Your personal, non-commercial, and commercial use to receive payments, make payments across various institutions, retrieve, display and view the Content on a computer screen or mobile device.
  3. The license created under these Terms is limited, non-exclusive, non-transferable and revocable.
  4. You agree that you will not use the Contents or Materials for any other purpose which may be contrary to your license to use this Service.
  5. Any unauthorised use by You shall terminate the permission or license granted by this Website.

5. Prohibited Use

We use the following to collect Personal Data from You:

  1. We may provide You with other financial affiliated services in connection with Your use of this Service.
  2. You agree not to use the Service in the following manner:
    1. To harass, abuse or threaten others or otherwise violate any person's legal rights;
    2. To perpetrate fraud;
    3. Money Laundering activities;
    4. To create or transmit unnecessary spam to any person or URL;
    5. To post, transmit or cause to be posted or transmitted, any communication or solicitation designed to obtain password, account, or private information of other Users or persons;
    6. To steal contents and designs which does not belong to You and without obtaining the prior consent of the author;
    7. To use robot, spider, scraper or other automated means to access this Service without obtaining the prior consent of the Owner;
    8. Using this Service in any way that impacts user access to the Website or prejudices the integrity of the Owner of this service;
    9. Disseminating computer viruses or other software;
    10. Violating any intellectual property rights of the Owner or any third party;
    11. To use the Website or any of the Services for illegal spam activities.
  3. Additionally, you agree that you will not do as follows:
    1. Interfere or attempt to interfere with the proper working of this Website;
    2. Bypass any measures we may use to prevent or restrict access to this Website;
    3. To interfere with or circumvent the security features of this Service;
    4. To damage, disable, overburden or impair this Service or any other person's use of this Service;
    5. To use this Service contrary to the applicable laws and regulations or in a way that causes, or may cause harm to this Website, any person or business entity.

We reserve the right to terminate your use of the Service for violating any prohibited use.

6. Intellectual Property Ownership

  1. You agree that we retain ownership of all Content included on the Website (text, graphics, video, software, data, page layout, images, and any other information capable of being stored in a computer) other than the contents uploaded by users.
  2. You are granted a limited license only, subject to the restrictions provided in these Terms; nothing on this Website shall be construed as granting any license or right to use any trademark or logo displayed on the Website without obtaining the prior written consent of the Owner.
  3. You hereby agree not to reproduce or distribute the Owner's intellectual property or use the intellectual property for any unlawful purpose.

7. User Account

  1. You will be required to register with us to have access to our Service.
  2. You will be required to provide certain personal information, which includes, but not limited to Your name, user name, email address and password. The information provided must be correct and accurate.
  3. This personal information must not be shared with anyone, and when you discover that your information has been compromised, you agree to notify us immediately. You also acknowledge that you are responsible for the security of your personal information and that the Owner does not accept liability for the security of your account, as you agree to be responsible for maintaining the confidentiality of your passwords or other account identifiers, which you choose and all activities under your account.
  4. The Owner reserves the right to terminate Your account where You have provided false, inaccurate or incorrect information.
  5. It is at the sole discretion of the Owner to terminate the account or refuse to render any Services to any User at any time and for any reason.

8. Subscription of Services

  1. The Website may offer Services for subscription. The Owner undertakes to give accurate information about the description of the Services. However, the Owner does not guarantee the reliability of any information relating to the Services.
  2. We reserve the right to refuse service subscription provided on the Website at our sole discretion.
  3. If you are not satisfied with our services, you may discontinue and delete your account at your convenience.

9. Payment and Billing

  1. If you register for our Service or subscribe to any services offered on our Website and app, you agree to pay the full price for such Service.
  2. The total price will also include the taxes applicable on the date of subscription.
  3. The total price of the Services provided, including all applicable taxes, is included upon the confirmation of Your order.

10. Performance of Services

  1. Upon payment for our Services, we may offer You the opportunity to book a time and date for the performance of the Services. The Services will be performed within a reasonable time.
  2. If you have any questions regarding the time and date for the performance, contact us.

11. Privacy Policy

Our privacy policy explains how we handle your personal data and protect your privacy when you use our Service. By using our Service, you agree that the Owner may use your data in the manner described in our Privacy Policy at: https://vistapayhq.com/privacy

The website may contain links to other websites. These Linked Sites are not under our control, and You agree that we are not liable for the contents of any Linked Sites or link contained in any Linked Site.

13. Electronic Communications

You consent to receive electronic communications, and you agree that all agreements, notices, disclosures and other communications we provide to you electronically, via email and on this Website, satisfy any legal requirements that communications must be in writing.

14. Reverse Engineering and Security

You hereby agree as follows:

  1. Not to reverse engineer or permit the reverse engineering or disassemble any code or software from or on the Website or Services; and,
  2. Not to violate the Security of the Website or other Services through any unauthorised access, circumvention of encryption or other security tools, data mining or interference with any host or User or network.

15. Change to Service

  1. You accept that the Owner may vary, alter, amend, or update the Content or Service, Services at any time and without Your consent.
  2. You also agree that the Services may not be available at all times, and this may be as a result of the maintenance or for any other reason, and we shall not be held liable for the failure to provide this Service, which is out of our control. However, we would ensure proper communication in this regard.

16. Indemnification

You hereby agree to indemnify the Owner, its employees, agents, and third parties from and against all liabilities, costs, demands, causes of action, damages; and expenses (including reasonable attorney's fees) arising out of Your use or inability to use, Your violation of any rights of a third party and Your violation of applicable laws, rules or regulations.

17. No Warranties

  1. You agree that You use this Website solely at Your risk as the Owner does not warrant the accuracy of the contents in this Website. You assume all the risk of viewing and reading the contents of this Website.
  2. The Owner expressly disclaims all express and implied warranties, such as implied warranty of merchantability, as the Owner makes no warranties that the Website or other Services will be accurate, error-free, secure or uninterrupted.
  3. The Owner makes no warranty about the suitability, reliability, availability, timeliness and accuracy of the information, contents, services, and other materials contained herein for any purpose. The Owner hereby disclaims all warranties and conditions concerning the information, software, Products, related graphics and materials, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title, and non-infringement.
  4. You also agree that the Owner and its affiliates shall not be liable for any direct, indirect, punitive and all consequential damages or any damages whatsoever including, but not limited to damages for loss of use, data or profits, the failure to provide Services or for any information, software, Products, Services, related graphics and materials obtained through this Website, or otherwise arising out of the use of this Website, whether based on contract, negligence, strict liability, or otherwise.

18. Service Interruptions

The Owner may, from time to time, interrupt Your access or use of this Website/Application to perform some maintenance or emergency services, and You agree that the Owner shall not be held liable for any damage or loss which may splits from such interruption.

19. Termination/Restriction of Access

  1. The Owner reserves the right to, at its sole discretion, terminate Your access to this Website and the related Service or any part thereof at any time, for any reason and without notice, subject to clauses 5 and 6 of these terms and conditions.
  2. The Owner shall have the right to terminate or terminate/suspend Your account for violating the Terms of this Service.
  3. If you register with us, you may terminate this Service at any time by issuing a prior notice to us. Once this is done, you will no longer be bound by the provisions of these Terms.

20. General Provisions

We do not disclose Your Personal Data except for any of the following reasons:

  1. Assignment: The Owner shall be permitted to assign, transfer its rights and/or obligations under these Terms. However, you shall not be permitted to assign, transfer any rights and/or obligations under these Terms.
  2. Entire Agreement: These Terms, disclaimers and any other agreement relating to the use of this Website/Application constitute the entire agreement and shall supersede any other agreement.
  3. Separate Agreements: You may have other legal agreements with us. Those agreements are separate from these Terms. These Terms are not intended to alter, amend, revise or replace the terms of the other agreement.
  4. Applicable law: These Terms may be governed and construed in accordance with the Laws, regulations or guidelines of the Federal Republic of Nigeria and other treaties, or regulations that are applicable in Nigeria.
  5. Variation: The Owner may revise these Terms at any time as it sees fit, and by using this Website, You undertake that You shall review the terms of the revised Terms before accepting same. If any part of the Terms or any modification thereof is considered invalid or unenforceable, the remaining parts shall be considered valid and enforceable.
  6. Waiver: Failure to exercise any right in these Terms shall not operate as a waiver. The rights or remedies herein provided are cumulative and not exclusive of any right or remedies provided by law.
  7. Severability: Every provision contained herein is intended to be severable. If any provision is invalid for any reason whatsoever, such invalidity shall not affect the validity of other clauses of these Terms.