1. Introduction

This Agreement is a legally binding contract between you (“User”) and PayFarGo (“Company,” “we,” “us,” or “our”). It outlines the terms under which you may use our services, website, and mobile applications.

2. Eligibility

To use PayFarGo, you must:
✔ Be at least 18 years old (or the legal age in your country).
✔ Have a valid government-issued identification.
✔ Use our services only for lawful purposes.

3. Account Registration & Security

• You must provide accurate and complete information when creating an account.
• You are responsible for maintaining the confidentiality of your login credentials.
• Notify us immediately if you suspect any unauthorized access to your account.

4. Money Transfer Services

• Transaction Limits: We may set limits on the amount you can send based on regulatory requirements.
• Processing Time: Transfers are processed based on payment methods, recipient locations, and security verifications.
• Fees & Exchange Rates: Fees and currency exchange rates may vary and will be disclosed before completing a transaction.

5. Compliance & Fraud Prevention

• We comply with anti-money laundering (AML) and know your customer (KYC) regulations.
• PayFarGo reserves the right to verify transactions, request additional documents, or suspend services if suspicious activity is detected.

6. Prohibited Activities

You agree not to use our services for:
❌ Fraudulent, illegal, or unauthorized purposes
❌ Money laundering, terrorist financing, or criminal activities
❌ Sending funds on behalf of third parties without authorization

7. Refund & Cancellation Policy

• Transactions may be canceled only if funds have not yet been processed.
• Refunds are subject to PayFarGo’s refund policy and may take several business days to process.

8. Limitation of Liability

• PayFarGo is not liable for losses due to incorrect recipient details, unauthorized access, or delays caused by third-party financial institutions.
• We provide services “as is”, without warranties on uninterrupted availability.

9. Privacy & Data Protection

• We collect and store personal data in accordance with our Privacy Policy.
• PayFarGo uses encryption and security protocols to protect customer information.

10. Modifications to the Agreement

• PayFarGo may update this Agreement periodically.
• Continued use of our services after changes constitutes acceptance of the revised terms.

11. Contact Information

For questions or support, contact us at:
📧 [Support Email]
📞 [Customer Service Number]