Terms and Conditions

1. Introduction and Acceptance

Welcome to LivePay.

These Terms and Conditions (“Terms”) govern your access to and use of LivePay’s website, platform, payment services, APIs, merchant dashboard and associated products.

LivePay is a payment technology platform operated by LIVETRADERX LTD (“Company”, “LivePay”, “we”, “our” or “us”).

By creating an account, accessing our platform, integrating our APIs or using any LivePay service, you agree to be legally bound by these Terms, together with our Privacy Policy, Refund and Chargeback Policy, Merchant of Record Policy and any applicable merchant agreements.

If you do not agree to these Terms, you must discontinue using our services.

2. Definitions

For purposes of these Terms:

• LivePay: The payment technology platform operated by LIVETRADERX LTD.
• Company: LIVETRADERX LTD trading as LivePay.
• Customer: An individual or entity making a payment to a merchant through LivePay.
• Merchant: An individual or business using LivePay to collect payments from customers.
• Individual Account: An account registered by an individual.
• Business Account: An account registered by a company, organization or other business entity.
• API: Application Programming Interface provided by LivePay for payment integration.
• Mobile Money (MMO): Supported mobile financial payment services, including MTN MoMo and Airtel Money where available.
• Card Payments: Transactions processed using supported card networks, including Visa, Mastercard and American Express where enabled.
• Payment Link: A payment request generated through the LivePay platform.
• Disbursement: A payment or payout initiated through supported payment channels.
• Transaction: Any payment collection, payout, refund or other financial operation facilitated through LivePay.
• Merchant of Record: The legal entity responsible for the underlying sale of products or services to a customer.

3. Eligibility and Account Registration

To use LivePay, you must:

1. Be at least 18 years old or otherwise legally authorized to enter into a binding agreement.
2. Provide accurate and complete registration information.
3. Maintain valid contact information.
4. Complete applicable identity and business verification requirements.
5. Comply with applicable laws and regulations.
6. Not use LivePay for prohibited or fraudulent activities.

LivePay may offer Individual and Business accounts.

An Individual Account may be used for supported personal and commercial payment activities, subject to verification and applicable restrictions.

A Business Account may be used by registered companies, organizations and other eligible commercial entities.

The availability of specific services depends on account verification, risk assessment, country, payment method and applicable provider requirements.

4. Account Verification and KYC

LivePay may require identity verification and Know Your Customer (KYC) or Know Your Business (KYB) documentation before enabling certain services.

Requested documents may include:

• National identification documents.
• Passports or other accepted identity documents.
• Company registration certificates.
• Business licences where applicable.
• Tax identification documents.
• Proof of address.
• Beneficial ownership information.
• Director and shareholder information.
• Business activity descriptions.
• Source of funds and source of wealth information where necessary.

LivePay reserves the right to:

• Request additional verification documents.
• Conduct ongoing customer due diligence.
• Review account activity.
• Reject incomplete or inconsistent applications.
• Restrict services pending verification.
• Suspend or terminate accounts where legally or contractually justified.

Successful account registration does not guarantee access to every LivePay service.

5. LivePay Services

Subject to availability and approval, LivePay may provide:

5.1 Mobile Money Collections

LivePay enables eligible merchants to receive payments through supported Mobile Money channels, including:

• MTN Mobile Money.
• Airtel Money.
• Other supported mobile payment operators.

Availability varies by country and payment provider.

5.2 Card Collections

LivePay may support card payments through Visa, Mastercard, American Express and other supported payment networks.

Card processing is subject to applicable acquiring arrangements, card network rules, compliance requirements and approval.

Card payment services may require additional merchant verification.

5.3 Payment Links

Merchants may generate payment links to collect payments remotely.

Merchants are responsible for sharing payment links with the correct customers and ensuring that the associated payment requests accurately describe the goods or services being purchased.

5.4 QR Payments

LivePay may provide QR-based payment solutions linked to merchant payment requests.

Merchants must ensure that payment QR codes are used for legitimate transactions and that customers are presented with accurate payment information.

5.5 API Integration

LivePay provides APIs that enable merchants, developers and platforms to integrate supported payment functionalities into their applications, websites and business systems.

API services may include:

• Payment initiation.
• Mobile Money collections.
• Card payment initiation where enabled.
• Transaction status verification.
• Disbursement requests.
• Payment notifications.
• Transaction references.
• Other supported payment functions.

API users must follow LivePay’s technical documentation and integration requirements.

LivePay may update API endpoints, authentication methods, technical requirements or supported functionality where necessary.

5.6 Disbursements

Eligible merchants may initiate payments to supported Mobile Money accounts or other supported payout destinations.

Disbursements are subject to available balances, applicable transaction limits, verification procedures, payment provider availability and risk controls.

6. Payment Processing and Transaction Authorization

Customers are responsible for reviewing payment details before confirming transactions.

A payment may require authentication through a PIN, OTP, card verification, mobile operator confirmation or another supported security mechanism.

Once a transaction is successfully authorized and confirmed, it may be treated as completed and final, subject to applicable reversal, refund, dispute and payment-network rules.

LivePay does not guarantee the successful processing of every transaction.

Transactions may fail, remain pending, be delayed or be declined because of:

• Insufficient funds.
• Incorrect payment information.
• Network interruptions.
• Payment provider downtime.
• Security checks.
• Regulatory restrictions.
• Transaction limits.
• Fraud prevention controls.
• Technical failures.

Customers and merchants must not treat a pending transaction as successfully completed until its status is confirmed.

7. Fees and Pricing

LivePay charges fees for certain payment services.

Applicable charges may include:

• Mobile Money collection fees.
• Card processing fees.
• Disbursement fees.
• Currency conversion charges where applicable.
• Other service fees disclosed before or during onboarding.

The applicable pricing will be displayed on the platform, communicated during onboarding or provided in a separate merchant agreement.

Different countries, currencies and payment methods may have different pricing structures.

Merchants are responsible for understanding applicable charges before processing transactions.

LivePay reserves the right to update its pricing by providing reasonable notice where required by applicable law or contractual arrangements.

Third-party payment provider charges may apply separately.

8. Settlement and Payment Availability

Transaction settlement and fund availability depend on the payment method, country, payment provider and applicable merchant arrangements.

LivePay may support instant or near-real-time processing for eligible transactions.

However, transaction confirmation, settlement, withdrawal and actual receipt of funds are separate processes.

LivePay does not guarantee uninterrupted or immediate settlement where processing depends on external financial institutions, mobile operators, card networks or other third-party providers.

LivePay may delay or restrict the availability of funds where reasonably necessary for:

• Fraud investigations.
• Chargeback management.
• Regulatory compliance.
• Payment provider investigations.
• Transaction reconciliation.
• Suspected unauthorized activity.
• Contractual or legal obligations.

Any restrictions on merchant funds shall be handled in accordance with applicable law and the relevant merchant agreement.

9. Refunds, Cancellations and Chargebacks

All refunds, cancellations and chargebacks are governed by our separate Refund, Cancellation and Chargeback Policy.

Successful payments cannot automatically be reversed merely because a customer changes their mind.

Merchants are responsible for their own commercial refund policies and customer service obligations.

LivePay may investigate disputed transactions, request supporting documentation and coordinate with relevant payment providers.

Nothing in these Terms removes mandatory consumer rights or cardholder dispute rights.

10. Merchant Responsibilities

Every merchant using LivePay agrees to:

1. Provide accurate account and business information.
2. Sell only lawful products and services.
3. Deliver products and services as advertised.
4. Maintain clear pricing and customer terms.
5. Maintain appropriate customer support.
6. Comply with applicable tax obligations.
7. Maintain appropriate records of transactions.
8. Cooperate with payment investigations.
9. Protect customers against misleading or deceptive commercial practices.
10. Use LivePay only for approved business activities.

Merchants must not use LivePay to process transactions for undisclosed businesses or activities.

11. Prohibited Activities

LivePay prohibits the use of its platform for activities that are illegal, fraudulent, deceptive or inconsistent with its payment provider agreements.

Prohibited activities include, but are not limited to:

• Money laundering.
• Terrorist financing.
• Fraudulent transactions.
• Stolen financial credentials.
• Unauthorized payment processing.
• Illegal gambling or betting activities.
• Sale of prohibited goods or services.
• Counterfeit products.
• Ponzi schemes and pyramid schemes.
• Unlawful investment schemes.
• Sanctions evasion.
• Transactions involving unlawful narcotics.
• Transactions intended to conceal the identity of the actual seller.
• Any activity prohibited by applicable payment network or partner rules.

LivePay may maintain additional restricted-business requirements that are communicated during onboarding or through its merchant documentation.

12. Account Security and Access

Users are responsible for protecting their account credentials and authentication methods.

You agree to:

• Keep passwords and API credentials confidential.
• Avoid sharing OTPs or authentication codes.
• Use secure devices and systems.
• Notify LivePay immediately of suspected unauthorized access.
• Maintain appropriate security controls for API integrations.
• Avoid exposing secret API keys in public repositories or client-side applications.

LivePay may implement device restrictions, OTP verification, passkeys, IP restrictions, account monitoring and other security measures.

LivePay will not be responsible for losses resulting from compromised credentials where the loss is attributable to the user’s negligence, misconduct or breach of these Terms, subject to applicable law.

13. API Usage and Technical Restrictions

Merchants and developers using LivePay APIs must:

1. Follow the published API documentation.
2. Use API credentials only for authorized purposes.
3. Implement appropriate security measures.
4. Avoid excessive or abusive API requests.
5. Not attempt to bypass security controls.
6. Not reverse engineer or exploit the platform.
7. Not use the API to facilitate prohibited transactions.
8. Maintain accurate transaction records.

LivePay may introduce API limits, maintenance windows, security updates and technical changes.

LivePay may suspend API access where abuse, security vulnerabilities or suspicious activity are identified.

API availability does not constitute a guarantee of uninterrupted service.

14. Merchant of Record

Unless otherwise expressly agreed in a separate written agreement, the merchant remains the Merchant of Record for transactions involving its products or services.

LivePay provides payment technology and payment facilitation services and does not automatically become the seller or supplier of goods or services purchased through its platform.

Merchants are responsible for product delivery, pricing, warranties, customer complaints, refunds and applicable commercial obligations.

Marketplace operators must clearly establish whether the marketplace or individual vendors act as the Merchant of Record.

Our separate Merchant of Record Policy provides further details.

15. Third-Party Payment Providers

LivePay may depend on third-party financial institutions, mobile network operators, payment processors, card acquiring partners and other service providers.

These may include supported Mobile Money operators and card processing partners.

Transactions may be affected by the availability, operational procedures, technical requirements and security controls of such providers.

LivePay is not responsible for independent failures of third-party networks beyond its reasonable control.

However, LivePay will make reasonable efforts to investigate reported payment issues and coordinate with relevant providers.

16. Regulatory Compliance

LivePay operates through its applicable technology, commercial and payment service arrangements.

Certain payment services may be facilitated through licensed or authorized payment providers and financial institutions.

The availability of a service does not mean that LivePay itself holds every licence required to provide regulated financial services.

Where a service requires authorization, LivePay will operate subject to applicable regulatory requirements and relevant partner arrangements.

Merchants must comply with all laws applicable to their activities, including anti-money laundering, counter-terrorist financing, sanctions, consumer protection, data protection and tax requirements.

17. Privacy and Data Protection

LivePay collects and processes personal and business information to:

• Create and manage accounts.
• Verify customer identities.
• Process payment transactions.
• Prevent fraud and unauthorized activity.
• Provide customer support.
• Maintain regulatory and contractual records.
• Improve platform security and performance.
• Meet applicable legal obligations.

Personal information may be shared with relevant payment providers, financial institutions, service providers and competent authorities where necessary and legally permitted.

LivePay handles personal information in accordance with its Privacy Policy and applicable data protection laws.

Our Privacy Policy is available on the LivePay website.

18. Service Availability and Maintenance

LivePay aims to provide reliable and accessible services.

However, we do not guarantee that the platform will always be available, uninterrupted, error-free or compatible with every device or third-party system.

Services may temporarily become unavailable because of:

• Scheduled maintenance.
• Emergency maintenance.
• Infrastructure failures.
• Internet connectivity issues.
• Payment provider downtime.
• Cybersecurity incidents.
• Regulatory requirements.
• Events beyond our reasonable control.

LivePay may modify, suspend or discontinue particular features where reasonably necessary, subject to applicable contractual and legal obligations.

19. Account Suspension and Termination

LivePay reserves the right to suspend, restrict or terminate accounts where:

• The user breaches these Terms.
• Fraudulent or suspicious activity is identified.
• Required verification is not completed.
• The account is used for prohibited activities.
• Payment provider requirements are violated.
• The account creates unacceptable legal, financial or security risks.
• The user provides materially false or misleading information.
• Suspension or termination is required by law or a competent authority.

Where legally and operationally appropriate, LivePay may notify the affected user and provide an opportunity to address the issue.

Users may request account closure by contacting LivePay.

Outstanding financial obligations, disputes, chargebacks and applicable record-retention requirements may survive account closure.

20. Limitation of Liability

To the maximum extent permitted by applicable law, LivePay shall not be liable for:

• Indirect or consequential losses.
• Loss of anticipated profits.
• Loss of business opportunities.
• Losses resulting from merchant product or service failures.
• Third-party network interruptions.
• Delays caused by external payment providers.
• Unauthorized activities arising from user negligence or compromised credentials.
• Losses arising from inaccurate information supplied by users.

Nothing in these Terms excludes liability for fraud, wilful misconduct, gross negligence where applicable, or any liability that cannot legally be excluded.

21. Indemnification

To the extent permitted by applicable law, merchants and users agree to indemnify and hold harmless LIVETRADERX LTD, its directors, employees, officers and authorized representatives against reasonable losses, claims, liabilities and expenses arising from:

• Their breach of these Terms.
• Their fraudulent or unlawful activities.
• Their violation of third-party rights.
• Their products or services.
• Their failure to comply with applicable laws.
• Their misuse of LivePay’s payment infrastructure.

This provision does not apply to the extent a loss results from LivePay’s own breach, negligence or unlawful conduct.

22. Intellectual Property

All rights relating to LivePay’s platform, software, website, APIs, trademarks, logos, branding, technical documentation and associated materials belong to LIVETRADERX LTD or its applicable licensors.

Users receive a limited, non-exclusive, non-transferable and revocable right to use LivePay services in accordance with these Terms.

Users must not:

• Copy or redistribute proprietary software without authorization.
• Reverse engineer or decompile the platform except where legally permitted.
• Use LivePay branding without permission.
• Claim ownership of LivePay intellectual property.
• Develop unauthorized competing integrations using confidential materials.

23. Changes to These Terms

LivePay may revise these Terms to reflect changes in its products, services, technology, commercial arrangements or legal obligations.

Updated Terms will be published on https://www.livepay.me.

Where required, LivePay will provide notice of material changes before they take effect.

Continued use of LivePay services after updated Terms become effective constitutes acceptance to the extent permitted by applicable law.

24. Governing Law and Dispute Resolution

These Terms shall be governed by the laws of Uganda, subject to mandatory laws applicable in other jurisdictions where LivePay provides services.

The parties shall first attempt to resolve disputes through good-faith discussions.

Where a dispute cannot be resolved amicably, it may be referred to the competent courts of Uganda, unless another dispute resolution mechanism is required by an applicable agreement or mandatory law.

Nothing in this section prevents a customer from exercising applicable statutory rights or card network dispute procedures.

25. Force Majeure

LivePay shall not be liable for delays or failures resulting from circumstances beyond its reasonable control, including:

• Natural disasters.
• War or civil unrest.
• Government restrictions.
• Internet or telecommunications failures.
• Mobile network interruptions.
• Payment network outages.
• Cyberattacks.
• Power failures.
• Strikes.
• Other extraordinary events beyond reasonable control.

LivePay will make reasonable efforts to restore affected services when circumstances permit.

26. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions shall continue in full force to the extent legally permissible.

27. Entire Agreement

These Terms, together with the applicable policies, merchant agreements and service-specific agreements, constitute the agreement governing your use of LivePay.

Where a separately executed merchant agreement conflicts with these Terms, the specific agreement shall prevail for the subject matter it expressly governs.

28. Contact Information

For questions, complaints, account assistance or legal notices, contact:

• Website: https://www.livepay.me
• Email: [email protected]
• WhatsApp: +256 763 233 480
• Telephone: +256 200 920 876
• Office: Bigomba House, B09, Kalagi Road, Mukono, Uganda.