Effective Date: March 3, 2025
Welcome to Modem Pay. These Terms of Service (“Terms”) describe the agreement between you (referred to as “you,” “user,” or “merchant”) and Modem Pay (“we,” “our,” or “us”) — a platform built to help businesses and entrepreneurs in Gambia and surrounding regions accept and manage payments more efficiently.
By signing up for or using any of our services, you agree to these Terms. If you do not agree, you may not use Modem Pay.
Modem Pay is a digital payment solution that enables you to accept payments through mobile money, bank transfers, cards, and more. We also provide tools like payment links, a merchant dashboard, and developer APIs to make payment management seamless and intuitive.
To get started, you’ll need to create a Modem Pay account by providing some basic details about your business. You’re responsible for keeping your account secure and your login information private.
If you ever notice unauthorized activity on your account, please notify us immediately. While we’ll do our best to assist, we can’t be held responsible for losses resulting from unauthorized access.
We may introduce new features or update existing ones — and when we do, we’ll inform you through email or inside the platform.
Modem Pay charges processing fees based on the type of payment, transaction volume, and other factors. We’ll always make our pricing clear before you’re charged.
You’re also responsible for any applicable taxes or charges related to your business’s use of our platform.
It’s your responsibility to make sure your linked payment methods are valid and active.
If a customer requests a refund, it’s up to you to handle it according to your business policy. While Modem Pay does not process refunds directly, we’ll step in to help with disputes when needed.
If a chargeback occurs, you may be charged a fee and will be required to resolve the issue with the customer directly.
You may not use Modem Pay for any illegal or dishonest activity, including:
We reserve the right to suspend or close your account if we believe you’ve engaged in any of the above.
Your privacy matters to us. Our Privacy Policy explains how we handle your data. By using our services, you consent to those practices.
As a merchant, you’re also responsible for how you collect and use customer information in line with local laws.
We may suspend or terminate your account if:
If your account is terminated, we may delete your data and you may lose access to your transaction history. You can also request to close your account at any time by contacting our support team.
Modem Pay is not liable for indirect, incidental, or special damages related to your use of the platform. Our total liability is limited to the fees you’ve paid us in the last 12 months.
You agree to hold Modem Pay harmless from any legal claims or losses that result from:
These Terms are governed by the laws of the Republic of Gambia. Any legal disputes will be resolved in Gambian courts.
We may occasionally update these Terms. When we do, we’ll notify you via email or in the dashboard. If you continue using Modem Pay after the changes go into effect, it means you agree to them.
Have questions or need help? Reach out to us:
Thank you for trusting Modem Pay. We’re excited to be part of your business journey.