Terms of Service

Last updated: 2026

1. Introduction

Welcome to FIYO. By using our platform, you agree to these terms. FIYO provides payment links and payout infrastructure for freelancers, creators, and small businesses in Africa.

2. Service Nature

FIYO is not a bank or a Payment Service Provider (PSP). We are an infrastructure and software provider. Our payment processing and payouts are powered by licensed PSPs such as Flutterwave.

3. Eligibility

You must be at least 18 years old and operate in one of our supported countries. You must complete our Know Your Customer (KYC) process to receive payouts.

4. User Accounts

You are responsible for keeping your account credentials secure. We are not liable for any loss due to unauthorized access.

5. Payments

When you create a payment link, you authorize us to collect payments on your behalf via our PSP partners.

6. Payouts

Payouts are subject to holding periods based on your account's Trust Level. Payouts may fail if the provided destination account details are incorrect.

7. Fees

We charge a percentage fee on successful transactions. This fee is automatically deducted before payouts are made. Current fee schedules are available on your dashboard.

8. Prohibited Uses

You may not use FIYO for illegal activities, adult content, gambling, weapons, or any business that violates our acceptable use policy or the policies of our PSP partners.

9. Limitation of Liability

FIYO is provided "as is". We are not liable for lost profits or special, incidental, or consequential damages arising out of your use of our platform.

10. Account Termination

We reserve the right to suspend or terminate your account at any time if we suspect fraud, excessive chargebacks, or a violation of these terms.

11. Governing Law

These terms are governed by the laws of the jurisdiction in which the operating entity of FIYO is registered.