Terms of Service

1. Non-Custodial Service

LokiPay is strictly a technical verification bridge. We do not come into possession of any funds at any point. All payments go directly from your customer to your personal/merchant mobile money wallet.

2. User Responsibilities

Because our system relies on your physical Android device to receive payment notifications, you are solely responsible for ensuring that:

• Your device has a stable internet connection at all times.
• Your device is charged and has sufficient battery life.
• The LokiPay mobile app is installed and granted necessary permissions to run in the background.

LokiPay is not liable for missed or unverified transactions resulting from your device being offline, out of battery, or technically compromised.

3. Service Availability

We strive for 99.9% uptime on our API servers. However, the reliability of the system also depends on telecommunication networks (MTN, Telecel, AT) delivering SMS messages to your phone. We are not responsible for delays caused by network providers.

Last Updated: January 2026