Terms and Conditions

1. Introduction

Welcome to Waga. These Terms and Conditions govern your use of our payment gateway services and website. By accessing or using Waga's services, you agree to be bound by these Terms and Conditions.

Waga is a pioneering payment gateway designed to revolutionize the way businesses handle transactions. Founded with a vision to make payment processing seamless and secure, Waga has grown to become a trusted partner for businesses of all sizes.

2. Definitions

In these Terms and Conditions, unless the context otherwise requires:

• "Waga," "we," "our," or "us" refers to Waga Payment Gateway and its affiliates.
• "Services" refers to the payment processing and related services provided by Waga.
• "User," "you," or "your" refers to any individual or entity using our Services.
• "Merchant" refers to a business entity that has registered to use Waga's payment processing services.
• "Customer" refers to an individual who makes payments through Waga's platform.
• "Transaction" refers to any payment processed through Waga's platform.

3. Account Registration and Eligibility

To use Waga's services, you must register for an account. You must provide accurate, current, and complete information during the registration process and keep your account information updated.

By registering, you represent and warrant that:

• You are at least 18 years of age.
• You have the legal capacity to enter into these Terms and Conditions.
• You are authorized to act on behalf of any business entity you claim to represent.
• Your use of our Services will not violate any applicable laws or regulations.

4. Payment Processing Services

Waga provides payment processing services that enable Merchants to accept payments from Customers. By using our Services, you agree to:

• Comply with all applicable laws and regulations related to payment processing.
• Not use our Services for any illegal or unauthorized purpose.
• Not attempt to bypass any security measures implemented by Waga.
• Provide accurate information for all Transactions.
• Accept responsibility for all Transactions processed through your account.

5. Fees and Charges

Waga charges fees for its Services as outlined in our Fee Schedule, which is incorporated into these Terms and Conditions by reference. We reserve the right to modify our fees at any time with prior notice.

You authorize Waga to deduct applicable fees from the Transaction amounts before transferring funds to your designated account. Additional fees may apply for certain services, chargebacks, or dispute resolution.

6. Security and Data Protection

Waga implements industry-standard security measures to protect your data and Transaction information. However, no system is completely secure, and we cannot guarantee absolute security.

You are responsible for:

• Maintaining the confidentiality of your account credentials.
• Notifying us immediately of any unauthorized use of your account.
• Ensuring that your systems and practices comply with applicable data protection laws.
• Obtaining necessary consents from Customers for data processing.

Our Privacy Policy, which is incorporated into these Terms and Conditions by reference, governs our collection, use, and disclosure of your information.

7. Intellectual Property

All intellectual property rights in Waga's platform, services, and content belong to Waga or its licensors. Nothing in these Terms and Conditions transfers any such rights to you.

You may not:

• Copy, modify, or create derivative works based on our platform or content.
• Remove any copyright, trademark, or other proprietary notices.
• Use our trademarks, logos, or service marks without our prior written consent.
• Reverse engineer, decompile, or disassemble any part of our platform.

8. Limitation of Liability

To the maximum extent permitted by law, Waga shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, arising out of or relating to your use of our Services.

In no event shall Waga's total liability to you for all claims exceed the amount you paid to Waga for the Services during the three (3) months preceding the event giving rise to the liability.

9. Indemnification

You agree to indemnify, defend, and hold harmless Waga and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of our Services, your violation of these Terms and Conditions, or your violation of any rights of another.

10. Term and Termination

These Terms and Conditions remain in effect until terminated by either party. You may terminate your account at any time by contacting us. Waga may terminate or suspend your account and access to our Services at any time for any reason without notice.

Upon termination:

• You will no longer have access to your account or our Services.
• Waga will process any pending Transactions and settle any outstanding balances.
• Provisions that by their nature should survive termination shall survive termination.

11. Governing Law and Dispute Resolution

These Terms and Conditions shall be governed by and construed in accordance with the laws of [Jurisdiction], without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms and Conditions shall be resolved through:

1. Informal negotiation: Parties shall attempt to resolve any dispute informally by contacting each other.
2. Mediation: If negotiation fails, parties shall engage in mediation with a mutually agreed mediator.
3. Arbitration: If mediation fails, disputes shall be resolved by binding arbitration in [Jurisdiction].

12. Modifications to Terms

Waga reserves the right to modify these Terms and Conditions at any time. We will provide notice of significant changes through our website or by email. Your continued use of our Services after such modifications constitutes your acceptance of the modified Terms and Conditions.

13. Miscellaneous

Entire Agreement: These Terms and Conditions, together with our Privacy Policy and Fee Schedule, constitute the entire agreement between you and Waga regarding our Services.

Severability: If any provision of these Terms and Conditions is found to be unenforceable, the remaining provisions will remain in full force and effect.

No Waiver: Waga's failure to enforce any right or provision of these Terms and Conditions shall not be considered a waiver of such right or provision.

Assignment: You may not assign these Terms and Conditions without Waga's prior written consent. Waga may assign these Terms and Conditions without restriction.

14. Contact Information

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