1. IntroductionWelcome to StellarPay. These Terms of Service (the “Terms”) govern your access to and use of StellarPay’s services, including our website, mobile applications, and any associated services provided by Stellar Technologies, Inc. By accessing or using any part of our services, you agree to be bound by these Terms.2. Services OverviewStellarPay offers a variety of digital banking services, including but not limited to:• Multi-currency accounts • Digital and virtual debit cards •. P2P transfers •. International remittances •. Card lock features for enhanced securityThese services are available to users in the United States and the following African countries: Kenya, Ghana, South Africa, Uganda, Tanzania, Zambia, Senegal, Ivory Coast, Rwanda, and Cameroun.3. EligibilityTo use StellarPay’s services, you must:• Be at least 18 years old, or the age of legal majority in your jurisdiction. • Have the legal capacity to enter into a binding contract. •.Reside in one of the countries where StellarPay operates.4. Account RegistrationTo access our services, you must register for an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your account details, including your password. You must notify StellarPay immediately if you suspect any unauthorized access to your account.5. Prohibited UsesYou may not use StellarPay’s services for any unlawful or fraudulent activities, including but not limited to:• Engaging in money laundering, financing terrorism, or any illegal transactions. • Using the services for any activity that violates applicable laws or regulations. • Falsifying information, impersonating others, or engaging in fraudulent behavior.StellarPay reserves the right to terminate your account if you violate these prohibitions.6. Fees and ChargesStellarPay offers various financial services, some of which may include fees or charges. Any applicable fees will be clearly disclosed during your use of the services. You agree to pay all fees and charges associated with your use of StellarPay services in a timely manner.7. Transaction LimitsStellarPay may impose transaction limits on your account, including limits on the amount of money you can transfer or withdraw. These limits may vary depending on the country, your account status, and other factors. You will be notified of any applicable limits during the use of the services.8. Security and Fraud PreventionStellarPay employs advanced security measures, including two-factor authentication, to protect your account. However, you are responsible for safeguarding your login credentials and any other security information related to your account. If you believe your account has been compromised, you must notify us immediately.9. Privacy and Data ProtectionStellarPay is committed to protecting your privacy and ensuring the confidentiality of your personal information. Our Privacy Policy outlines how we collect, use, and protect your data. By using our services, you agree to the collection and use of information in accordance with our Privacy Policy.10. Third-Party ServicesOur services may include links to third-party websites or services, such as Flutterwave, Mbanq, Tink by Visa, and Dwolla. These links are provided for your convenience, and StellarPay is not responsible for the content or functionality of third-party services. Your use of any third-party services is subject to their respective terms and conditions.11. Intellectual PropertyAll intellectual property rights, including trademarks, logos, and content provided by StellarPay, are the exclusive property of Stellar Technologies, Inc. You are prohibited from using any of our intellectual property without prior written consent.12. Changes to Services and TermsStellarPay may modify or discontinue services at any time without prior notice. We may also amend these Terms from time to time. Any changes to the Terms will be posted on our website, and it is your responsibility to review them periodically. Continued use of the services after changes are made constitutes your acceptance of the modified Terms.13. Limitation of LiabilityStellarPay provides services on an “as-is” and “as-available” basis. To the maximum extent permitted by law, StellarPay disclaims all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.StellarPay is not liable for any indirect, incidental, consequential, or punitive damages arising from your use of the services. This includes but is not limited to loss of profits, data, or business opportunities.14. IndemnificationYou agree to indemnify and hold StellarPay harmless from any claims, damages, liabilities, and expenses (including legal fees) arising from your use of our services, violation of these Terms, or infringement of any third-party rights.15. Governing Law and Dispute ResolutionThese Terms are governed by the laws of the United States. Any disputes arising from these Terms or your use of the services will be subject to the jurisdiction of the courts in the United States. For users in Africa, local laws of specific countries may apply where necessary.16. TerminationStellarPay reserves the right to terminate or suspend your account at any time, with or without cause, and without prior notice. Upon termination, you will remain liable for any outstanding fees or obligations.17. Contact UsFor any questions regarding these Terms, or to resolve any issues regarding your account or services, please contact us at: • Email: Contact@stellarpay.app or Help@stellarpay.app
IntroductionStellarPay is committed to treating all our customers fairly, including those who may be considered vulnerable. This agreement outlines how we identify, support, and protect vulnerable customers in our financial services and digital banking operations.1. Definition of a Vulnerable CustomerA vulnerable customer is defined as someone who, due to their personal circumstances, is especially susceptible to harm, particularly in their ability to make informed decisions or handle financial services. Factors contributing to vulnerability may include but are not limited to:• Age-related factors (e.g., elderly customers) • Physical disabilities or cognitive impairments • Mental health conditions • Financial distress or significant life changes •Limited language skills or comprehension difficulties2. Identifying Vulnerable CustomersWe recognize that vulnerability may not always be apparent. Therefore, StellarPay will employ a range of measures to help identify vulnerable customers, including: • Self-declaration by the customer. • Monitoring interactions and identifying signs of vulnerability, such as confusion, stress, or difficulty in communication. • Utilizing account data to identify potential financial distress (e.g., missed payments, erratic financial behavior).3. Supporting Vulnerable CustomersOnce a customer’s vulnerability has been identified, StellarPay will take the following steps to ensure appropriate support is provided: • Tailored Communication: We will communicate with vulnerable customers in a clear, respectful, and empathetic manner, ensuring that all information is accessible and easy to understand. • Flexible Service Delivery: Where possible, we will adjust our services to accommodate the specific needs of vulnerable customers. This may include offering alternative payment options, extending deadlines, or providing additional assistance during complex processes. • Referral to Specialist Teams: Vulnerable customers will have access to specially trained support teams who understand the complexities of handling sensitive cases. These teams will be equipped to provide assistance and ensure that the customer’s needs are met effectively.4. Customer ResponsibilitiesWhile StellarPay is committed to offering enhanced care to vulnerable customers, it is also important for customers to:• Inform us of any vulnerability they experience that may affect their ability to use our services safely and effectively. • Provide accurate and honest information so that we can offer the appropriate level of support. • Engage with us in good faith, responding to our outreach if further assistance is required.5. Safeguarding and Data ProtectionWe take our customers’ privacy and data protection seriously, especially when handling sensitive information relating to vulnerability. We ensure that:• All personal data is processed in compliance with our Privacy Policy and relevant data protection regulations (e.g., GDPR). • Vulnerability information will only be shared internally on a need-to-know basis to provide the necessary support. • Any third-party disclosure will require the customer’s explicit consent unless required by law or regulatory obligations.6. Financial Hardship SupportFor customers facing financial hardship, we will work with them to explore options such as:• Payment plans and deferments to help manage their accounts. • Providing access to financial counseling or recommending external financial support services. • Reducing service fees or providing temporary fee waivers where applicable.7. Monitoring and Continual ImprovementStellarPay commits to regularly reviewing our policies and practices to ensure that we are meeting the needs of vulnerable customers. We will:•Monitor customer interactions for effectiveness and responsiveness to vulnerability. •Provide ongoing training to staff to handle vulnerable customer cases with care and sensitivity. •Seek feedback from customers and incorporate this into improving our services.8. Complaints and EscalationIf a vulnerable customer is dissatisfied with how their case is handled, they may:• Contact our Customer Care Team directly via Contact@stellarpay.app or Help@stellarpay.app. • Request an escalation of their case for further review by a senior manager. • In certain cases, vulnerable customers can also seek assistance from external organizations or ombudsmen, if appropriate.9. Agreement to TermsBy using StellarPay’s services, customers agree to this Customer Vulnerability Agreement, recognizing that StellarPay will take reasonable measures to protect vulnerable customers, while also expecting customers to inform us of any vulnerabilities that may impact their financial services.
