Last Updated: June 2026
1. Introduction
Welcome to BluuPay.
These Terms of Service (“Terms”) govern your access to and use of BluuPay’s website, applications, products, software, and services (collectively, the “Services”).
By accessing or using BluuPay, you agree to be bound by these Terms. If you do not agree with these Terms, you may not access or use our Services.
Throughout these Terms, “BluuPay”, “we”, “our”, and “us” refer to BluuPay, while “you” and “your” refer to the individual or business using our Services.
2. About BluuPay
BluuPay provides businesses with tools for payment acceptance, sales tracking, inventory management, reporting, reconciliation, and related business operations.
BluuPay may integrate with licensed payment service providers, financial institutions, and other third-party partners to facilitate certain services.
3. Eligibility
To use BluuPay, you must:
- Be at least 18 years old
- Have the legal capacity to enter into binding agreements
- Provide accurate and complete registration information
- Comply with all applicable laws and regulations
If you are registering on behalf of a business, you represent that you have authority to bind that business to these Terms.
4. Account Registration
You may be required to create an account to access certain features.
You agree to:
- Provide accurate information
- Keep account information current
- Protect your login credentials
- Notify us immediately of unauthorized account activity
You are responsible for all activities conducted through your account.
5. Verification and Compliance
To comply with regulatory requirements, BluuPay may request:
- Business registration documents
- Identity verification documents
- Banking information
- Additional compliance information
We reserve the right to suspend, restrict, or terminate access if required information is not provided or cannot be verified.
6. Use of Services
You may use BluuPay only for lawful business purposes.
You agree not to:
- Use the platform for fraudulent activity
- Violate any law or regulation
- Attempt unauthorized access to our systems
- Interfere with the operation of the Services
- Upload malicious software or harmful code
- Use the platform to facilitate illegal transactions
We reserve the right to investigate suspected violations.
7. Payment Processing
BluuPay may work with licensed payment processors and financial institutions to facilitate transactions.
By using our Services, you acknowledge that:
- Payment processing may be performed by third-party partners
- Settlement timelines may vary
- Transactions may be reviewed for compliance and fraud prevention purposes
- Certain transactions may be delayed, restricted, or declined where required by law or risk controls
BluuPay does not guarantee uninterrupted payment processing.
8. Fees
Certain Services may be subject to fees.
Applicable fees will be communicated through:
- Pricing schedules
- Service agreements
- Product documentation
- Platform notifications
You authorize BluuPay to deduct applicable fees where permitted.
Fees are generally non-refundable unless otherwise required by law.
9. Merchant Responsibilities
As a merchant, you are responsible for:
- Maintaining accurate business records
- Complying with tax obligations
- Ensuring the legality of products and services sold
- Resolving disputes with customers
- Protecting customer information
BluuPay is not responsible for the quality, safety, legality, or delivery of goods and services sold by merchants.
10. Intellectual Property
All content, trademarks, logos, software, technology, and intellectual property associated with BluuPay remain the property of BluuPay or its licensors.
Nothing in these Terms grants ownership rights to users.
You may not:
- Copy
- Modify
- Reverse engineer
- Distribute
- Reproduce
any part of the Services without written permission.
11. Data and Privacy
Your use of BluuPay is subject to our Privacy Policy.
By using the Services, you consent to the collection, use, and processing of information as described in the Privacy Policy.
12. Service Availability
We strive to maintain reliable service availability but do not guarantee uninterrupted access.
Services may be unavailable due to:
- Maintenance
- Technical issues
- Third-party service disruptions
- Regulatory requirements
- Events beyond our reasonable control
We are not liable for losses arising from temporary service interruptions.
13. Suspension and Termination
We may suspend or terminate access to the Services if:
- You violate these Terms
- Fraudulent activity is suspected
- Regulatory requirements require action
- Risk concerns arise
- Your account presents a security threat
You may stop using the Services at any time.
Termination does not remove obligations that arose before termination.
14. Limitation of Liability
To the maximum extent permitted by law, BluuPay shall not be liable for:
- Indirect damages
- Consequential damages
- Loss of profits
- Loss of business opportunities
- Loss of data
- Business interruption
Our total liability arising from your use of the Services shall not exceed the fees paid by you to BluuPay during the six months preceding the claim.
15. Indemnification
You agree to indemnify and hold harmless BluuPay, its officers, employees, partners, and affiliates from claims, losses, damages, liabilities, and expenses arising from:
- Your use of the Services
- Violation of these Terms
- Violation of applicable laws
- Disputes involving your customers
16. Third-Party Services
The Services may integrate with third-party providers.
BluuPay does not control and is not responsible for:
- Third-party websites
- Third-party products
- Third-party services
- Third-party payment infrastructure
Your use of such services may be governed by separate agreements.
17. Changes to the Services
We may modify, improve, suspend, or discontinue any part of the Services at any time.
We reserve the right to update features, pricing, functionality, and service offerings without prior notice where permitted by law.
18. Changes to These Terms
We may update these Terms from time to time.
Updated versions will be posted on our website or within our applications.
Your continued use of the Services after updates become effective constitutes acceptance of the revised Terms.
19. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.
Any dispute arising under these Terms shall be subject to the jurisdiction of the competent courts of Nigeria.
20. Contact Information
If you have questions regarding these Terms, please contact:
BluuPay
Email: legal@bluupay.co
Website: www.bluupay.co
By using BluuPay, you acknowledge that you have read, understood, and agreed to these Terms of Service.
