Last Updated: March, 2026

These Terms and Conditions (“Terms”) govern your use of arikpay.io services and website. By accessing or using our services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our services.

1. Acceptance of Terms

1.1 Scope

These Terms apply to all users of arikpay.io, including customers, merchants, visitors, and any individuals accessing our website or payment services.

1.2 Updates

We may update or modify these Terms at any time without prior notice. It is your responsibility to review these Terms periodically for any changes.

2. Use of Services

2.1 Eligibility

To use our services, you must be of legal age and have the legal capacity to enter into legally binding agreements.

2.2 Account Registration

You may be required to create an account to access certain features. You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account.

3. Intellectual Property

3.1 Ownership

All content and materials on arikpay.io, including text, graphics, logos, images, software, and platform technology, are the property of arikpay.io and are protected by applicable intellectual property laws.

3.2 License

You are granted a limited, non-exclusive, and revocable license to access and use our services for lawful and non-commercial purposes only.

4. User Content

4.1 Submission

By submitting content to arikpay.io, you grant us a worldwide, royalty-free, non-exclusive license to use, reproduce, modify, publish, translate, distribute, and display such content for service-related purposes.

4.2 Responsibility

You are solely responsible for any content you submit and must ensure it complies with applicable laws and does not infringe upon the rights of any third party.5. Privacy

5.1 Privacy Policy

Our Privacy Policy explains how we collect, use, and protect your personal information. By using our services, you agree to the practices described in our Privacy Policy.

6. Prohibited Conduct

6.1 Restricted Activities

You agree not to engage in prohibited activities, including but not limited to:

• Unauthorized access to systems or data
• Hacking or attempting to disrupt services
• Fraudulent transactions
• Spamming or misuse of the platform

7. Limitation of Liability

7.1 Disclaimer

Our services are provided on an “as is” and “as available” basis without warranties of any kind. We do not guarantee uninterrupted or error-free operation.

7.2 Limitation

arikpay.io shall not be liable for any indirect, incidental, consequential, or punitive damages arising from or related to your use of our services.

8. Governing Law

8.1 Applicable Law

These Terms shall be governed by and interpreted in accordance with the laws of Nigeria.

9. Termination

9.1 Termination Rights

We reserve the right to suspend or terminate your account and access to our services at our sole discretion, without prior notice, if you violate these Terms or misuse our platform.

10. Contact Us

If you have any questions regarding these Terms and Conditions, please contact us:

📧 Email: info@arikpay.io
🌐 Website: https://arikpay.io