Terms of service

1. About these terms

These terms cover your use of Tranzwa: the website, the merchant dashboard and the WhatsApp service (together, “Tranzwa”). Tranzwa is owned and operated by Plonic Tech.

By creating an account or using Tranzwa you agree to these terms. If you don’t agree, please don’t use Tranzwa.

2. Who can use Tranzwa

• You are at least 18 years old
• You are allowed to act for the business you register
• The information you give us is accurate
• You are legally allowed to take payments where you operate

3. Your account and approval

To use Tranzwa you verify your email, set up your business profile and connect a payment gateway. On the Free plan our team checks your business before you can take payments; we may approve or decline any account.

You’re responsible for keeping your login safe, for everything done in your account, and for telling us straight away if you think someone else has access.

4. How payments work

Tranzwa does not hold money or process payments. Your customers pay through the payment gateway account you connect, and the money settles from your gateway to your bank. By connecting a gateway you also agree to that gateway’s own terms. Tranzwa currently works with Paystack, Flutterwave, Stripe, Monnify, Nomba, OPay, BudPay, Payaza, Remita, FirstChekout.

Your gateway is responsible for settlements, payouts, gateway fees, currency conversion, chargebacks and reversals. We aren’t responsible for gateway downtime or delays.

5. Plans, credits and billing

• Plans and prices are shown on the Pricing page. Paid plans renew at the end of each billing period until you cancel.
• Credits pay for the WhatsApp messages Tranzwa sends for you (invoices, reminders and receipts). Each plan includes credits each month, and you can top up any time.
• Unused credits stay in your wallet while your account is open. Credits have no cash value and aren’t refundable, except where the law says otherwise.
• We’ll tell you before any price change applies to you.

6. Passing fees to your customers

If you turn on “customer pays the fee”, the fee is added to what your customer pays at checkout. You’re responsible for making sure that’s allowed where you operate and is clear to your customers.

7. Using WhatsApp

Tranzwa sends invoices, payment requests, reminders and receipts on WhatsApp, which we don’t control. You must only message customers who expect to hear from you, and follow WhatsApp’s business and anti-spam rules and the law where you operate. We aren’t responsible for blocked numbers, message limits or WhatsApp being unavailable.

8. Your customers’ data

You decide why your customers’ data is collected, and you’re responsible for having the right to collect it and to message them. We process it on your behalf, only to run Tranzwa, as described in our Privacy policy, which is part of these terms.

9. Refunds and disputes with your customers

You handle refunds to your customers through your gateway. Tranzwa doesn’t issue refunds or settle disputes between you and your customers. You’re responsible for delivering what you sell, for customer service, and for chargebacks and payment issues with your gateway.

10. What you can’t use Tranzwa for

• Anything illegal, harmful or fraudulent
• Money laundering, or financial services you aren’t licensed to provide
• Selling restricted goods or services
• Spam, or messaging people who haven’t agreed to hear from you

We may suspend or close accounts that break these rules.

11. Our software and brand

Tranzwa’s software, designs, name and logo belong to Plonic Tech or its licensors. You may not copy, resell or reverse-engineer any part of Tranzwa. Your business content (your logo, items and messages) stays yours.

12. Availability

We work to keep Tranzwa running, but it can be interrupted by maintenance, by your gateway, by WhatsApp or by events outside our control.

13. Limits on our liability

Tranzwa is provided “as is”. As far as the law allows, we aren’t liable for indirect or consequential losses, such as lost profits, sales or data, and our total liability to you in any 12 months is limited to the fees you paid us in that period. Nothing in these terms limits liability that can’t be limited by law.

14. Your responsibility to us

You agree to cover our reasonable losses and costs if a claim is brought against us because of how you used Tranzwa, what you sold, or your breach of these terms or the law.

15. Suspension and closing your account

You can close your account at any time. We may suspend or close it if you break these terms, if we see fraud or suspicious activity, or if payments to us aren’t made. Some obligations, such as amounts owed and disputes, continue after closing.

16. Changes to these terms

We may update these terms. If the change is significant we’ll tell you by email or in the dashboard before it applies. Using Tranzwa after that means you accept the new terms.

17. Governing law

These terms are governed by the laws of the Federal Republic of Nigeria, and disputes are settled by its courts.

18. Contact

Questions about these terms: [email protected], or use the contact page.