Terms and Conditions

Secure by Pay is an escrow payment platform designed to protect buyers and sellers during online transactions.

Instead of sending money directly to the seller, the buyer deposits funds into Secure by Pay. The funds remain securely held until the agreed delivery conditions have been satisfied.

SecurebyPay is not the seller, manufacturer, logistics provider, or owner of any listed products.

You must:

• Be at least 18 years old or the legal age in your country.
• Have the legal capacity to enter into contracts.
• Provide accurate registration information.
• Use the Platform only for lawful purposes.

We reserve the right to suspend or terminate accounts that provide false information.

Users are responsible for:

• Maintaining the confidentiality of their login credentials.
• All activities carried out through their accounts.
• Updating their information whenever necessary.

You must immediately notify Secure by Pay if you suspect unauthorized access

A transaction generally follows these steps:

1. Buyer places an order.
2. Buyer deposits the full payment into Secure by Pay.
3. Seller is notified that funds have been secured.
4. Seller ships or delivers the product.
5. Buyer confirms receipt using the Secure by Pay OTP or another approved confirmation method.
6. Secure by Pay releases payment to the seller.

Funds are only released after successful completion of the transaction in accordance with these Terms.

Secure by Pay may use a One-Time Password (OTP) to verify delivery.

The buyer must not share the OTP before physically receiving and inspecting the product where inspection is possible.

Entering or providing the OTP constitutes confirmation that:

• the buyer has received the product,
• delivery has been completed, and
• Secure by Pay may release payment to the seller.

Secure by Pay shall not be responsible for losses resulting from a buyer voluntarily sharing an OTP before delivery

Buyers agree to:

• Provide accurate delivery information.
• Deposit the required funds before shipment.
• Inspect products promptly upon delivery where applicable.
• Confirm or dispute delivery within the specified timeframe.
• Act honestly during disputes.

Fraudulent claims may result in account suspension

Sellers agree to:

• Deliver products matching their descriptions.
• Ship within the agreed timeframe.
• Provide valid shipment evidence when required.
• Cooperate during dispute investigations.
• Comply with applicable laws.

Misrepresentation may result in permanent suspension.

The buyer shall deposit:

• Product Cost
• Delivery Fee

If the buyer accepts the product, the product payment is released to the seller, and the delivery fee is handled according to the transaction arrangement.

If the buyer rejects the product after delivery due to legitimate reasons accepted under SecurebyPay's dispute process, Secure by Pay may refund only the product cost while deducting the delivery fee to compensate for logistics expenses.

Refunds may be issued when:

• the seller fails to deliver;
• the transaction expires;
• the seller cancels the order;
• Secure by Pay determines that a refund is appropriate following dispute resolution.

Refund processing times may vary depending on payment providers.

If either party disputes a transaction, Secure by Pay may request supporting evidence including:

• photos;
• videos;
• invoices;
• shipping receipts;
• tracking information;
• communications between buyer and seller.

Secure by Pay reserves the right to determine the outcome of disputes based on the available evidence. Our decision shall be final except where otherwise required by applicable law.

Users must not:

• engage in fraud;
• conduct money laundering;
• sell illegal goods;
• use stolen payment methods;
• manipulate disputes;
• impersonate another individual;
• attempt to bypass the escrow process.

Violations may result in immediate account suspension and reporting to law enforcement where appropriate.

SecurebyPay may charge service fees, transaction fees, or other applicable charges.

All applicable fees will be disclosed before a transaction is completed.

Secure by Pay may impose limits on:

• transaction value;
• withdrawal amounts;
• account balances;
• frequency of transactions.

Additional verification may be required for higher-value transactions.

Secure by Pay may require identity verification at any time.

Users may be asked to provide:

• government-issued identification;
• proof of address;
• business registration documents;
• additional verification information.

Failure to complete verification may limit access to services.

All trademarks, software, logos, branding, designs, and content on the Platform remain the property of Secure by Pay or its licensors.

Users may not copy, modify, distribute, or commercially exploit any part of the Platform without prior written permission.

Secure by Pay provides an escrow service and does not guarantee:

• product quality;
• seller performance;
• buyer conduct;
• shipping timelines.

To the maximum extent permitted by law, Secure by Pay shall not be liable for indirect, incidental, special, or consequential damages arising from the use of the Platform.

We may suspend or terminate accounts that:

• violate these Terms;
• engage in fraudulent activities;
• pose security risks;
• misuse the Platform.

Suspension does not eliminate outstanding obligations.

Your use of Secure by Pay is also governed by our Privacy Policy.

By using the Platform, you consent to the collection and processing of personal information as described in that policy.

Secure by Pay may update these Terms from time to time.

Material changes will be communicated through the Platform or other appropriate channels.

Continued use of the Platform after changes become effective constitutes acceptance of the revised Terms

These Terms shall be governed by and interpreted in accordance with the laws of the jurisdiction in which Secure by Pay is incorporated, unless otherwise required by applicable law.

For questions regarding these Terms, please contact:

Secure by Pay

By creating an account or using SecurebyPay, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.