Terms of service

1.What these terms cover

CorpoPay provides payment orchestration and settlement software. It connects your application to payment partners, tracks each payment through its lifecycle, and keeps a double-entry ledger in which every entry is balanced.

These terms cover the hosted service at corpopay.site and app.corpopay.site. They apply alongside our privacy policy, which explains how we handle personal data.

2.Accounts and eligibility

You must be at least 18 and able to enter into a binding contract. Payment features are for businesses and professional activity, so we may ask for details about your company and how you use the service before enabling them.

You are responsible for keeping your credentials and API keys secret, for everything done through your account, and for telling us promptly if you believe someone else has access to it. Information you give us must be accurate and kept up to date: onboarding, verification and payment decisions depend on it.

3.What CorpoPay is, and what it is not

CorpoPay is not a bank, an electronic money institution or a payment institution, and it does not hold your funds. Payments are processed by our payment partners, and settled funds go to the bank account you designate.

CorpoPay is not a party to the sale between you and your customer. The goods or services, the price, the refund policy, and any dispute or chargeback are between the two of you. CorpoPay does not provide legal, tax or accounting advice, and nothing on the service is such advice.

4.Your obligations as a merchant

• Use the service only for lawful business purposes.
• Hold every licence, registration and approval that your activity requires.
• Publish a privacy notice to your own customers, process their personal data lawfully, and give them the information the law requires.
• Keep your integration secure — including verifying the signature of every webhook you accept, and never exposing secret keys in client-side code.
• Comply with the card scheme rules and with your own agreements with our payment partners.
• Resolve customer claims, refunds, disputes and chargebacks in line with the law and your own published terms.

5.Prohibited use

• Anything unlawful, deceptive or fraudulent, including money laundering, terrorist financing and sanctions evasion.
• Categories that we or our payment partners do not permit, which include unlicensed gambling, unlicensed financial services, counterfeit goods, and adult or controlled substances where they are not lawfully traded.
• Probing, scanning or testing the security of the platform, or trying to reach accounts, data or systems that are not yours.
• Reselling, sub-licensing or white-labelling the hosted service without our written agreement.
• Interfering with the service, placing an unreasonable load on it, or accessing it in ways the API documentation does not allow.

6.Payment partners

To accept payments you enter into your own agreements with our payment partners — for example Payzone or CMI for local cards and Stripe for international cards. Those agreements carry their own conditions, fees, reserve and hold arrangements, and termination rights, and they apply alongside these terms.

We cannot grant you anything a partner controls, and we are not responsible for a partner’s decision to decline, hold, delay, reverse or stop processing payments for you. If a partner stops serving your business, we may have to suspend the affected features.

7.Fees, invoicing and taxes

Fees for the hosted service are the ones shown on our pricing page or in your order at the time the fee is incurred. Partner fees are set by the partner under your agreement with them.

Unless we say otherwise, fees are exclusive of tax and are payable within the period stated on the invoice. We may change our prices with reasonable notice, and a change never applies retroactively to a period you have already been invoiced for. Amounts you owe may be offset against amounts we owe you, and amounts already due remain due if your account is closed.

8.Open-source software and self-hosting

The CorpoPay source code is published under the MIT licence. You may read it, modify it, self-host it and redistribute it on those terms.

Running CorpoPay yourself is your responsibility: your infrastructure, your security, your backups, your upgrades and your compliance. The MIT licence governs the code; these terms govern the hosted service we operate, and they do not apply to your own deployment.

9.Intellectual property

The hosted service, the CorpoPay name and logo, this website and its content, and the documentation are owned by us or our licensors. These terms grant you a limited, non-exclusive, non-transferable right to use the hosted service while your account is active, for your own business purposes.

We welcome feedback. If you send us an idea, we may use it without restriction or payment, and the rights in it pass to us.

10.Data protection

Our privacy policy explains how we handle personal data. When you process payments, you are the controller of your customers’ personal data and we act as your processor. You must have a lawful basis for that processing and give your customers a privacy notice that covers the payment provider you use.

11.Availability, changes and beta features

We work to keep the service available and reliable, but we do not promise uninterrupted service, and planned maintenance may interrupt it.

We may add, change or remove features. Where a change materially reduces something you rely on, we will give reasonable notice. Roadmap items are intentions, not commitments, and anything labelled beta or preview is provided as it is, may change without notice, and may be withdrawn.

12.Suspension and termination

You may close your account at any time. We may suspend or end your access if you breach these terms, if a payment partner or the law requires it, if we need to protect the platform or other users, or if your account has been dormant, unpaid or unreachable for a long period.

When access ends, your right to use the service stops, amounts already due remain due, and we keep records for as long as the law requires before deleting them. Export anything you need before closing your account.

13.Disclaimers

The hosted service is provided as it is and as available, without warranties of merchantability, fitness for a particular purpose or non-infringement. We do not warrant that the service will be uninterrupted or error-free, that any payment will be authorised or settled on a particular timetable, or that a payment can be recovered once it has settled.

Reports, ledger output and reconciliation views are operational tools. You remain responsible for your own accounting, tax filings and regulatory reporting.

14.Limitation of liability

To the fullest extent the law allows, CorpoPay is not liable for indirect or consequential loss, or for loss of profit, revenue, goodwill or data, or for business interruption.

Our total liability arising out of or relating to the service is limited to the fees you paid us for it in the twelve months before the event that gave rise to the claim. Nothing in these terms excludes liability that cannot lawfully be excluded, including liability for fraud or wilful misconduct.

15.Indemnity

You will indemnify and hold CorpoPay harmless against claims, losses and reasonable costs arising from your use of the service, your breach of these terms, the goods or services you sell, the way you handle your customers’ personal data, and claims brought by your customers — including refunds, disputes and chargebacks — except to the extent that we caused the claim by our own breach or negligence.

16.Governing law and disputes

These terms are governed by Moroccan law, and the courts of Morocco have exclusive jurisdiction — unless a mandatory rule of the country where you are established gives you the right to bring proceedings locally.

Before going to court we ask you to raise the matter with us in writing and give us a reasonable period to resolve it. Nothing here prevents either of us from applying for urgent relief to protect our rights or the security of the service.

17.Changes to these terms

We may update these terms. If a change is material we will tell you in the dashboard or by email before it takes effect, and continuing to use the service after that date means you accept the new version. The date at the top shows when the version you are reading took effect.