Terms and Conditions

These Terms govern access to and use of Inttegro, including our APIs, SDKs, documentation, dashboards, hosted checkout and invoice pages, payment and payout services, communication tools, OTP services, file services, support tools, and related websites, software, interfaces, and services.

By creating an account, using Inttegro, integrating with an API or SDK, or opening an Inttegro-hosted page, you agree to these Terms. If you use Inttegro for an organization, you represent that you are authorized to bind that organization.

If you do not agree to these Terms, you may not use Inttegro.

Inttegro provides commerce infrastructure for merchants. Depending on what we make available to you, the Services may include account management, customer records, catalogs, prices, orders, invoices, hosted checkout, receipts, payment confirmation, refunds, disputes, payment methods, balances, ledgers, financial accounts, payouts, reserves, FX, communications, OTP, file upload, file delivery, reporting, exports, documentation, SDKs, and support tooling.

Merchant accounts are currently available only to Ghana-based merchants for Ghana-based commerce operations. Unless we agree in writing, you may not use Inttegro for a business or operation outside Ghana.

We may add, change, restrict, suspend, deprecate, or discontinue Services, features, service availability, currencies, payment methods, payout methods, Providers, APIs, or SDKs from time to time. We try to give reasonable notice for material breaking changes where practical, but urgent changes may be needed for security, legal, compliance, provider, or platform-safety reasons.

You may use Inttegro for a merchant only if that merchant is based in Ghana and we have approved the merchant for the Services. You must also be able to form a legally binding contract and not be barred by law, sanctions rules, Provider rules, or our risk policies.

You must provide accurate and complete account, ownership, tax, registration, industry, website, support, financial account, payout, and compliance information, and you must keep it current.

We may require onboarding, business verification, identity verification, ownership checks, sanctions screening, account-holder review, financial account review, product review, transaction review, or other risk and compliance checks before or after enabling any Service. We may approve, reject, delay, restrict, suspend, or terminate access based on those checks.

You are responsible for all activity under your account, organization, apps, API keys, dashboard users, sessions, integrations, credentials, hosted links, file links, upload links, and tokens.

You must keep secret keys and credentials confidential, assign access only to authorized people, remove access when it is no longer needed, secure your systems and integrations, rotate compromised credentials promptly, and notify us of suspected unauthorized access or credential compromise.

We may revoke, rotate, restrict, or reject credentials, sessions, tokens, links, or requests for security, abuse prevention, legal, Provider, or operational reasons.

You are responsible for your products, services, prices, taxes, fees, discounts, shipping, fulfillment, delivery, support, cancellations, refunds, returns, warranties, marketing, and customer relationships.

You must ensure that product descriptions, prices, taxes, shipping charges, fees, availability information, invoice details, checkout details, receipt details, and customer-facing disclosures are accurate, lawful, and not misleading.

You must provide Customers with all legally required terms, privacy notices, refund and cancellation policies, recurring payment terms, marketing consents, shipping information, contact details, tax disclosures, and other notices.

Customers using Inttegro-hosted checkout, invoice, receipt, OTP, file upload, or file access pages must provide accurate information, use only payment methods and accounts they are authorized to use, and contact the merchant for questions about the merchant's products, services, delivery, refunds, returns, or support.

Inttegro may help you accept, confirm, retry, refund, reverse, settle, reconcile, and report payments through supported payment rails and Providers. You authorize us and our Providers to submit payment, refund, dispute, verification, reversal, payout, and related instructions on your behalf and to share information needed to provide those services.

To the extent permitted by law and required for the relevant payment model, you appoint Inttegro and/or its applicable Providers as your limited payment collection agent solely to receive, process, settle, refund, reverse, and disburse payments for your transactions. Customer payment obligations are subject to chargebacks, reversals, refunds, disputes, fraud, failed settlement, and these Terms.

Inttegro does not guarantee that any payment, payout, refund, or transfer will be authorized, completed, available, irreversible, timely, or free from dispute, chargeback, reversal, provider error, fraud, or delay.

Unless we expressly agree otherwise in writing, Inttegro is not a bank and does not provide deposit accounts, stored value accounts, fiduciary accounts, investment products, legal advice, tax advice, financial advice, lending, or money transmission services in its own name. Payment and payout capabilities may be provided by or through regulated Providers.

Inttegro may track funds through balance states such as pending, available, reserved, refunded, paid out, failed, reversed, or disputed. Balance records are operational records and may be updated to reflect Provider updates, corrections, legal requirements, or risk controls.

We may delay, hold, offset, reserve, reverse, debit, credit, correct, or recover funds where needed for refunds, disputes, chargebacks, reversals, failed payouts, duplicate payments, provider errors, negative balances, fraud, risk review, sanctions review, legal process, account closure, or Provider requirements.

You are responsible for all refunds, disputes, chargebacks, reversals, fees, penalties, fines, losses, taxes, shipping claims, product claims, customer complaints, and negative balances arising from your business or your use of Inttegro. You must cooperate with dispute evidence requests, Customer complaints, Provider investigations, legal process, and risk reviews.

You may use Inttegro communication and OTP services only for lawful purposes and only where you have required consent or another valid basis to contact the recipient. You are responsible for honoring opt-outs, unsubscribe requests, sender identity rules, frequency limits, carrier rules, email rules, WhatsApp rules, and other Provider requirements.

You retain ownership of data, files, messages, templates, images, documents, metadata, notes, and other content submitted through Inttegro. You grant Inttegro, its affiliates, and Providers a non-exclusive license to host, store, copy, process, transmit, display, scan, validate, transform, and use that content as needed to provide, secure, support, improve, and operate the Services, comply with law and Provider requirements, enforce these Terms, and prevent fraud, abuse, malware, or security incidents.

You must not submit content that is unlawful, malicious, infringing, deceptive, abusive, spam, malware, credential-harvesting content, unsupported regulated data, or content you do not have rights to use. You must not store passwords, authentication secrets, full card numbers, full payment credentials, government identifiers, health information, children's data, biometric data, or other highly sensitive data in fields not designed for that purpose.

Our Privacy Policy explains how we collect, use, share, and retain personal data. You must maintain your own privacy policy and notices that accurately describe your use of Inttegro and your processing of Customer data.

For personal data you provide to Inttegro or that Customers provide through Inttegro on your behalf, you are responsible for having a valid legal basis, notice, consent, authorization, and data-subject rights process where required.

Inttegro may process personal data as a processor or service provider when providing the Services on your instructions. Inttegro may also process personal data for its own purposes, including account administration, onboarding, security, fraud prevention, risk management, payment integrity, Provider reporting, disputes, financial reconciliation, tax and legal obligations, support, analytics, product improvement, and enforcement.

The Services may depend on payment processors, mobile money operators, banks, card networks, payout providers, messaging providers, email providers, identity or verification providers, cloud providers, analytics providers, support vendors, and other third parties ("Providers").

Provider availability, rules, fees, limits, approvals, declines, reversals, disputes, settlement timing, message delivery, file storage, verification, or service changes may affect your use of Inttegro. Provider terms and rules may apply to your use of certain Services.

We may add, remove, or change Providers. You authorize us to share information with Providers and receive information from Providers as needed to provide the Services, comply with law, manage risk, resolve disputes, process payments and payouts, deliver messages, verify accounts, store files, and operate the platform.

You must pay all fees, charges, assessments, penalties, Provider fees, network fees, FX fees, dispute fees, chargeback fees, refund fees, taxes, and other amounts owed for your use of Inttegro according to the applicable pricing, order form, dashboard, invoice, or written agreement.

We may deduct fees and amounts owed from your balance or payouts, invoice you, charge an authorized payment method or financial account, or recover them by setoff or other lawful means. Fees are non-refundable unless required by law or expressly stated otherwise.

You are responsible for taxes arising from your business, transactions, products, services, payouts, and use of Inttegro, excluding taxes on our net income.

Some Services may be labeled beta, preview, experimental, sandbox, test mode, or pre-release. These features may be incomplete, inaccurate, unreliable, rate-limited, disabled, changed, or discontinued at any time.

Test mode does not process live transactions unless expressly stated otherwise. You must not treat test mode balances, payouts, keys, transactions, messages, files, or data as production records.

Documentation, SDKs, examples, sample code, guides, and generated snippets are provided for convenience. They may contain errors or become outdated. Your production integration must be tested by you and must follow the current API contract, Provider rules, and these Terms.

We aim to provide reliable Services, but we do not guarantee uninterrupted, error-free, timely, or secure operation unless a separate written service-level agreement says otherwise.

Services may be unavailable due to maintenance, outages, Provider issues, network failures, rate limits, security events, legal restrictions, or other causes. We are not responsible for delays or failures caused by you, Customers, Providers, carriers, banks, mobile money operators, networks, hosting providers, or other third parties.

Support is provided through the channels and plans we make available. We may access account data, logs, files, messages, transactions, and configuration as needed to provide support, investigate issues, operate the Services, and comply with law or Provider requirements.

You must not use Inttegro for unlawful, deceptive, infringing, abusive, harmful, high-risk, unsupported, or prohibited products, services, content, transactions, files, or messages. You must not attack, scrape, reverse engineer, disrupt, overload, bypass, or misuse Inttegro systems or security controls.

We may monitor use of the Services for security, fraud, abuse, reliability, compliance, support, risk, quality, and enforcement. We may suspend, restrict, hold, block, delay, terminate, or refuse any account, Service, payout, payment, message, file, link, upload request, API request, credential, hosted page, integration, or transaction if we believe it violates these Terms, law, Provider rules, risk policies, or third-party rights, or if it creates security, fraud, financial, compliance, legal, reputational, or operational risk.

We are not liable for losses resulting from good-faith enforcement actions.

Inttegro owns the Services, APIs, SDKs, documentation, software, dashboards, designs, systems, trademarks, logos, trade names, and related intellectual property, except for your content and third-party materials.

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable right to access and use the Services for your lawful internal business purposes and to integrate with the APIs and SDKs.

You may not copy, modify, reverse engineer, decompile, scrape, resell, lease, sublicense, or create competing services from Inttegro materials except as permitted by law or by an applicable open-source license. If you provide feedback, suggestions, or ideas, we may use them without restriction or compensation.

Except as expressly stated in these Terms or a separate written agreement, the Services are provided "as is" and "as available". To the fullest extent permitted by law, Inttegro disclaims all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, availability, accuracy, reliability, security, and uninterrupted operation.

To the fullest extent permitted by law, Inttegro will not be liable for indirect, incidental, special, consequential, exemplary, punitive, or lost-profit damages; loss of revenue, goodwill, data, use, business opportunity, or anticipated savings; or costs of substitute services.

To the fullest extent permitted by law, Inttegro's total liability arising out of or related to the Services or these Terms will not exceed the fees paid by you to Inttegro for the Services giving rise to the claim in the three months before the event giving rise to liability. These exclusions and limitations do not apply where prohibited by law.

You will defend, indemnify, and hold harmless Inttegro, its affiliates, and their directors, officers, employees, contractors, Providers, and agents from claims, damages, losses, liabilities, penalties, fines, costs, and expenses arising from your business, products, services, Customers, transactions, messages, files, content, taxes, refunds, returns, disputes, chargebacks, payouts, breach of these Terms, violation of law or Provider rules, or misuse of the Services.

We may update these Terms from time to time. We will post the updated Terms and update the effective date. For material changes, we will provide notice where practical through the dashboard, email, documentation, or other reasonable means. Continued use of the Services after changes take effect means you accept the updated Terms.

You may stop using Inttegro at any time, subject to outstanding obligations, negative balances, fees, disputes, chargebacks, refunds, investigations, retention obligations, Provider rules, and legal requirements.

We may terminate these Terms or close your account with notice where practical. We may terminate immediately for serious violations, legal or Provider requirements, fraud, security incidents, prohibited activity, insolvency, material risk, non-payment, or extended inactivity.

These Terms are governed by the laws of the Republic of Ghana, without regard to conflict-of-laws rules. The courts of the Republic of Ghana will have exclusive jurisdiction, except where applicable law requires otherwise.

You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, corporate reorganization, sale of assets, financing, or by operation of law.

If any provision is unenforceable, the remaining provisions remain in effect. Failure to enforce a provision is not a waiver. These Terms, the Privacy Policy, any applicable pricing page, order form, signed agreement, Provider terms, and additional terms we present for specific Services are the entire agreement for the Services.

For support, contact [email protected]. For legal notices, contact [email protected]. For privacy requests, contact [email protected].