Terms of Service

1. About Tifo

Tifo provides payment orchestration, messaging, automation, webhook, and developer infrastructure services that help businesses integrate mobile money payments, SMS notifications, and related workflows into their applications and operations.

Tifo integrates with third-party licensed payment service providers (“PSPs”), mobile money operators, SMS providers, and financial partners.

2. Eligibility

• •Be at least 18 years old
• •Have authority to represent your business or organization
• •Provide accurate and complete information
• •Comply with applicable laws and regulations

3. Account Registration

You agree to provide accurate information during registration, including:

• Business name
• Contact information
• Identity verification information
• Business activity details
• Settlement information

You are responsible for maintaining the security of your account credentials and API keys.

You are responsible for all activities that occur under your account.

4. Acceptable Use

You may not use Tifo for:

• •Illegal activities
• •Fraudulent transactions
• •Money laundering
• •Unauthorized financial services
• •Gambling or betting services without required licenses
• •Adult content
• •Scams or deceptive practices
• •Unauthorized collection of personal information
• •Spam or abusive messaging
• •Any activity that violates applicable laws

Tifo reserves the right to suspend or terminate accounts engaged in prohibited activities.

5. Payment Services

Tifo facilitates integrations with third-party payment providers.

Tifo does not:

• •Hold customer funds
• •Provide banking services
• •Guarantee payment settlement
• •Guarantee PSP uptime or availability

Payment processing, settlement, reversals, chargebacks, and transaction approvals are subject to the policies and systems of the relevant PSP or financial provider.

6. SMS & Messaging Services

You are responsible for:

• •Obtaining user consent before sending messages
• •Ensuring your messages comply with applicable laws
• •The content of messages sent through Tifo

You may not use Tifo messaging services for spam, harassment, phishing, or illegal communications.

Message delivery depends on third-party mobile network operators and providers. Tifo does not guarantee uninterrupted delivery.

7. API Usage

You may access Tifo APIs using your assigned API credentials.

You agree not to:

• •Abuse rate limits
• •Attempt unauthorized access
• •Reverse engineer the platform
• •Disrupt platform operations
• •Use the APIs in ways that compromise platform security

We may impose usage limits, suspend API access, or revoke credentials to protect platform reliability and security.

8. Compliance & Verification

Tifo may request:

• •Identity verification documents
• •Business verification documents
• •Information regarding your products or services
• •Transaction and operational information

Tifo may suspend or reject accounts that fail verification or present elevated compliance or fraud risks.

9. Fees & Billing

Certain features or services may require payment. Applicable fees, transaction charges, SMS costs, or subscription fees will be communicated through the platform or separate agreements.

• •You authorize Tifo to deduct applicable fees where permitted.
• •Fees paid are generally non-refundable unless required by law.

10. Availability & Reliability

Tifo aims to provide reliable services but does not guarantee uninterrupted operation.

Service interruptions may occur due to third-party provider outages, network failures, maintenance, regulatory actions, or technical issues outside our control.

11. Data & Privacy

Your use of Tifo is also governed by our Privacy Policy.

You retain ownership of your business data.

You grant Tifo permission to process and store data necessary to provide the Services.

12. Security

Tifo implements reasonable security measures designed to protect platform integrity and user data. However, no system is completely secure.

You are responsible for protecting your credentials, securing your systems, and maintaining appropriate internal security controls.

13. Intellectual Property

All Tifo software, APIs, branding, designs, documentation, and platform content remain the property of Tifo or its licensors.

You may not copy, resell, distribute, or exploit the platform except as permitted under these Terms.

14. Suspension & Termination

Tifo may suspend or terminate accounts that violate these Terms, present fraud or compliance risks, abuse the platform, or cause operational or reputational harm.

You may stop using Tifo at any time.

15. Limitation of Liability

To the maximum extent permitted by law, Tifo shall not be liable for indirect or consequential damages, lost profits, business interruption, loss of data, third-party provider failures, or payment delays or reversals.

Tifo’s total liability shall not exceed the fees paid by you to Tifo during the preceding three (3) months.

16. Indemnification

You agree to indemnify and hold harmless Tifo, its affiliates, employees, and partners from claims arising out of your use of the Services, your transactions, your messages, your violation of these Terms, or your violation of applicable laws.

17. Changes to the Services

Tifo may modify, suspend, or discontinue features or services at any time.

We may update these Terms periodically. Continued use of the platform after updates constitutes acceptance of the revised Terms.

18. Governing Law

These Terms shall be governed by the laws of the Republic of Zambia. Any disputes shall be subject to the jurisdiction of Zambian courts unless otherwise required by applicable law.

19. Contact

For questions regarding these Terms: