Terms of Service

1. Acceptance of Terms

By accessing and using FarahDeem's services, you accept and agree to be bound by these Terms of Service and our Privacy Policy. These terms apply to all visitors, users, and others who access or use our services. If you are using our services on behalf of an organization, you agree to these terms on behalf of that organization.

2. Description of Services

FarahDeem provides a digital payment platform that facilitates:

Gift card trading and exchange
Money transfer and remittance services
Bill payment processing
Virtual card issuance
Related financial technology services

3. User Registration and Account

To use our services, you must create an account. You agree to:

Provide accurate, current, and complete information during registration
Maintain and update your information to keep it accurate
Keep your password secure and confidential
Accept responsibility for all activities under your account
Notify us immediately of any unauthorized access or security breach

You must be at least 18 years old to create an account and use our services.

4. Acceptable Use Policy

You agree not to:

Use the service for any illegal purpose or in violation of any laws
Engage in fraudulent activities or money laundering
Impersonate any person or entity
Interfere with or disrupt the service or servers
Attempt to gain unauthorized access to any part of the service
Upload or transmit viruses or malicious code
Collect or harvest user information without consent

5. Transaction Terms

All transactions are subject to verification and approval. We reserve the right to:

Refuse, cancel, or hold any transaction for manual review
Request additional information for verification purposes
Set transaction limits based on your account verification level
Charge fees for our services as outlined in our fee schedule

Exchange rates are determined at the time of transaction and may fluctuate. All transactions are final once processed, subject to our refund policy.

6. Fees and Payment

You agree to pay all applicable fees for transactions. Fees may vary based on transaction type, amount, and payment method. Current fees are displayed on our platform before you complete a transaction. We reserve the right to modify our fees with advance notice.

7. Intellectual Property

The service and its original content, features, and functionality are owned by FarahDeem and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

8. Limitation of Liability

To the maximum extent permitted by law, FarahDeem shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use the service. Our total liability for any claims shall not exceed the amount you paid to us in the twelve months prior to the claim.

9. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason, including breach of these terms. Upon termination, your right to use the service will cease immediately. You may close your account at any time by contacting customer support.

10. Dispute Resolution

Any disputes arising from these terms or use of our services shall be resolved through binding arbitration in accordance with the laws of Nigeria. You agree to waive your right to participate in a class action lawsuit.

11. Changes to Terms

We reserve the right to modify these terms at any time. We will notify you of any changes by posting the new terms on this page and updating the "Last updated" date. Your continued use of the service after changes constitutes acceptance of the new terms.

Important Notice