Welcome to Co-op Pay. These Terms and Conditions govern your use of Co-op Pay’s services, platforms, and tools. By accessing or using Co-op Pay, you agree to comply with and be bound by these terms. Please read them carefully.

Definitions

Co-op Pay refers to the financial and compliance management platform designed to support co-operative societies and their members. A user is any individual or entity accessing Co-op Pay's services. Services include tools, platforms, and support provided by Co-op Pay for compliance, financial management, and related purposes. A co-operator refers to a registered member of a co-operative society.

Eligibility

To use Co-op Pay, you must be a registered co-operative society or a member of one. You are required to provide accurate, current, and complete information during registration. All users must adhere to applicable laws and regulations governing their operations.

Use of Services

Co-op Pay provides a range of tools to manage compliance, facilitate financial transactions, maintain records, and support governance and accountability within co-operative societies. Users are expected to use these services responsibly and in accordance with legal and ethical standards. Unauthorized or illegal use of the platform is strictly prohibited.

Registration and Account Security

Users are responsible for maintaining the confidentiality of their account login credentials. Any unauthorized use of your account must be reported to Co-op Pay immediately. It is your responsibility to ensure that your account information remains accurate and up-to-date at all times. Co-op Pay reserves the right to suspend or terminate accounts that breach these terms.

Compliance with Laws

Users of Co-op Pay must ensure that their activities align with the laws governing co-operatives in their respective jurisdictions. Co-op Pay acts as a facilitation platform and is not responsible for ensuring user compliance with regulatory requirements.

Fees and Payments

Certain Co-op Pay services may require payment of fees. Users will be informed of these charges before accessing the relevant features. Failure to pay required fees may result in restricted access to some or all services provided by Co-op Pay.

Data Privacy and Security

Co-op Pay is committed to safeguarding user data. By using the platform, you consent to the collection, use, and processing of your data as outlined in the Co-op Pay Privacy Policy. While reasonable efforts are made to secure user data, Co-op Pay cannot be held liable for breaches that occur beyond its control.

Intellectual Property

The content, tools, and resources provided by Co-op Pay remain the intellectual property of Co-op Pay. Users are prohibited from copying, modifying, distributing, or using these resources for commercial purposes without prior written consent from Co-op Pay.

Limitations of Liability

Co-op Pay services are provided on an "as is" basis. Co-op Pay does not guarantee uninterrupted or error-free service. To the fullest extent permitted by law, Co-op Pay is not liable for any direct, indirect, or consequential damages arising from the use or inability to use its services.

Termination

Co-op Pay reserves the right to suspend or terminate access to its services if users violate these terms. Users may also terminate their use of Co-op Pay by discontinuing the service and notifying Co-op Pay in writing.

Amendments to Terms

Co-op Pay reserves the right to amend these terms and conditions from time to time. Users will be notified of significant changes, and continued use of the services constitutes acceptance of the updated terms.

Governing Law

These terms and conditions are governed by the laws of [insert applicable jurisdiction]. Any disputes arising from the use of Co-op Pay services will be resolved under the laws of this jurisdiction.

Contact Information

For further inquiries or assistance, users can contact Co-op Pay through email at info@coops.africa or at our registered address [insert address].

By using Co-op Pay, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.