Terms and Conditions

Terms and Conditions

Effective Date: [Insert Date]

Introduction

Welcome to HisaPay. These Terms and Conditions govern your use of our website, digital wallet, virtual card, and related services. By using HisaPay, you agree to these Terms.

Eligibility

To use HisaPay, you must:

• Be at least 18 years old.
• Complete KYC verification with valid identification.
• Agree to comply with these Terms and applicable laws.

Services Provided

HisaPay offers:

• A digital USD wallet funded via SDG deposits.
• Virtual Visa cards issued in USD.
• Deposits, withdrawals, and transaction services.
• Savings plans (DPS/FDR) to earn profits on your USD balance.

HisaPay may add or modify services as needed.

User Responsibilities

You agree to:

• Provide accurate personal information during registration and KYC.
• Keep your login credentials confidential.
• Use HisaPay for lawful purposes only.
• Notify us immediately if you suspect unauthorized access to your account.

Deposits and Withdrawals

• Deposits are accepted in SDG and converted to USD at the daily rate.
• Withdrawals are processed in SDG based on your USD balance and applicable rates.
• Transaction limits may apply for security and compliance reasons.

Virtual Visa Card

HisaPay may provide virtual USD Visa cards for online transactions. You agree to:

• Use the card in compliance with card network rules.
• Use the card for legal and authorized transactions only.
• Respect transaction limits and card expiry policies.

Savings Plans (DPS/FDR)

You may subscribe to savings plans with defined terms and profit rates. Early withdrawals may be subject to penalties according to plan terms.

Fees and Charges

HisaPay may charge fees for transactions, card issuance, and certain services. All applicable fees will be transparently communicated on our website.

Account Suspension and Termination

HisaPay reserves the right to:

• Suspend or terminate accounts involved in suspicious or illegal activities.
• Comply with legal and regulatory requirements.

You may request account closure by contacting support@hisapay.com

Limitation of Liability

HisaPay is not liable for:

• Indirect or consequential losses.
• Losses resulting from user negligence in protecting login information.
• Delays or failures caused by third-party service providers.

We will take reasonable measures to ensure service availability and security.

Privacy

Your privacy is important to us. Please refer to our Privacy Policy for details on how we collect, use, and protect your information.

Changes to Terms

HisaPay may update these Terms periodically. We will notify users of significant changes via email or in-app notifications. Continued use of our services means you accept the updated Terms.

Governing Law

These Terms are governed by the laws of Sudan and applicable international financial regulations.

Contact Us

If you have any questions regarding these Terms, please contact us:

📧 Email: support@hisapay.com