Please read the following terms and conditions carefully before registering, accessing, browsing, downloading or using the Payer E-Commerce Platform including its website, mobile application or any such other platform introduced from time to time (collectively referred to as "Payer E-Commerce Platform" or "Platform"). By accessing or using the Platform or by using the Service (defined below), you agree to be bound by these terms and conditions set forth below including any additional guidelines and future modifications. If at any time you do not agree to these terms and conditions or do not wish to be bound by these terms and conditions, you may not access or use the platform and immediately terminate your use of the services.

1. Your Agreement to these Terms and Conditions

The Terms and Conditions (as may be amended from time to time, the "Agreement") is a legal contract between you being an individual customer, user or beneficiary of this service of at least 18 years of age and Payer Private Limited ("Payer") having its registered office at H. Mehelige 3/4, 1st Floor, Kurangi Goalhi, Male, Maldives.

2. Eligibility

The services are not available to persons under the age of 18 or to anyone previously suspended or removed from the services by Payer. By accepting these Terms & Conditions or by otherwise using the Services or the Platform, you represent that you are at least 18 years of age and have not been previously suspended or removed from the Services.

3. Service Description

Payer provides a digital wallet and payment platform that allows users to make payments, transfer funds, pay bills, and purchase goods and services through the Platform.

4. User Account

To use the Services, you must create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.

5. Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

6. Limitation of Liability

To the fullest extent permitted by law, Payer shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Services.

7. Contact

If you have any questions about these Terms & Conditions, please contact us at support@payer.mv.