Terms and Conditions for QPAY – Buy Now Pay Later Application & Website

Welcome to QPAY, the Buy Now Pay Later application and website. By accessing and using QPAY, you agree to comply with the following Terms and Conditions. Please read them carefully before using our services.

Acceptance of Terms
By using QPAY, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should not use our services.

Account Registration
2.1 Eligibility: To use QPAY, you must be at least 18 years old and capable of entering into legally binding contracts.
2.2 Account Information: You agree to provide accurate, current, and complete information during the registration process. You are responsible for maintaining the confidentiality of your account credentials and for any activity that occurs under your account.
2.3 Account Termination: QPAY reserves the right to terminate or suspend your account at any time for any reason, including but not limited to violation of these Terms and Conditions.

Buy Now Pay Later Service
3.1 Eligibility for Credit: Approval for the Buy Now Pay Later service is subject to a credit check and the discretion of QPAY. We may request additional information and documentation to assess your creditworthiness.
3.2 Payment Terms: When using the Buy Now Pay Later service, you agree to repay the amount due in accordance with the agreed-upon payment terms. Failure to make timely payments may result in additional fees, penalties, or collection efforts.
3.3 Interest and Fees: QPAY may charge interest and fees on outstanding balances, which will be clearly communicated to you before completing a purchase.
3.4 Credit Limit: QPAY may assign a credit limit to your account. Exceeding this limit may result in declined transactions or the requirement to make a partial payment before proceeding.
3.5 Credit Reporting: QPAY reserves the right to report your payment history to credit reporting agencies, which may affect your credit score.

Use of QPAY
4.1 Prohibited Activities: You agree not to use QPAY for any unlawful, fraudulent, or unauthorized purposes. You shall not interfere with or disrupt the functioning of the application or website.
4.2 Intellectual Property: All intellectual property rights related to QPAY, including but not limited to trademarks, logos, and content, belong to QPAY or its licensors. You shall not use or reproduce them without prior written permission.
4.3 Communication: By using QPAY, you consent to receive communications, including promotional messages, via email, SMS, or other channels.