These terms of service govern your use of the website and any service therein provided.

Quick Summary of the terms of service

We provide a web portal for raising funds from the public “donors” for:

  1. Individual raising fund for an innovative or a creative project.
  2. Startup raising funds for an innovative or a creative project.

Registration as a member and creating a crowdfunding portal is free, but for the service, and the support we provide, there is a 6.9% platform fee aside from bank charges deducted from the funds raised. Detail is on the Pricing page

We strive to prevent fraud in any form, and as such all details obtained during account opening or donations are not shared with any party outside of the transaction requirement.  See our Privacy Policy for details on how we protect your data. 

We reserve the right to close or re-open a Fundraising portal for any reason which includes suspicion of fraud or display of content that we deem offensive or inappropriate. We may also terminate such user memberships.

We also reserve the right to delete content at any time if found to contravene the right of any person or organization such as the use of copyright material or logo without the owner’s permission. To report copyright infringements please send an email to [email protected]

By registering or using the service, you agree to all the terms of service which may be updated from time to time by PayJa.  Any change will be updated on the terms of service web page and by continuing to use the service, you accept the latest version of these terms.

The full version of the terms of service is as below:

1 Who we are:

PayJa is a donation-based crowdfunding platform serving the interest of innovators and creators worldwide. These terms and conditions of service govern your use of the Websites and any service therein provided.

2 Our Service

2.1 We provide PayJa so that registered Members can create an online portal to solicit donations/funds for legitimate innovative projects to make the world a better place.

2.2 We accept and process, on your behalf, donations made on the portal.

2.3 We ensure that donations are processed and held in a secure account until they are paid out according to the term and conditions according to a creator/member’s funding goal. No interest will accrue to any amount held before it is paid out.

2.4 We ensure that only donations for which you have been selected as the recipients will be credited to your cryptocurrency wallet. For funds disbursement, we contact you when necessary.

2.5 We investigate any reported case of fraud or Money Laundering on the platform and report such to the appropriate authority.

3 Information protection

3.1 We ensure that all personal details collected are protected and secured at all times. Personal detail of other members or Guest donors to your portal will only be made available to you if a donor or fundraiser has chosen to allow us to pass their personal data to you. You, however, agree to only use the data for the purpose consented to by the donor or fundraiser. Any such information should and must not be shared with any third party for any purpose.

3.2 Each member is provided with a username and password to the website and fundraising portal. Members are expected to protect this information at all times; any disclosure of the account detail to a third party or inappropriate use of the account will be subject to termination of the Account.

3.3 Users are not allowed to use copyrighted materials or any materials that contravene the right of any individual or organization such as pictures, trademarks, or logos without obtaining permission from the copyright owner. Such material will be removed without any prior notification if found to infringe any copyright.

4 Creating a fundraiser portal

4.1 Registering is easy and free for everyone worldwide by visiting the registration page.

5 Payments

5.1 PayJa will process and hold donations received from backers on your behalf.

5.2 All cleared funds will be transferred to your crypto wallet (Bitcoin or Ethereum).

5.3 No interest will be payable on the funds raised for the period the fund is held by PayJa or at any time during or after the fundraising. Any Interest received as a result of Fund in the bank will be used by PayJa to improve and provide better service to you.

5.4 A platform fee of 6.9% plus card payment handling charges will be deducted from any donation raised.

5.5 The Card payment handling fee covers the cost incurred for processing the Card payment by the payment processor e.g Stripe. The fee varies (Zero to 3.9%) depending on the payment engine used by the backer to make the donation.

5.6 Foreign Donation or Payment may incur a currency exchange fee, this fee will also be deducted from the donation as part of the bank fee.

5.7 You authorize PayJa to make the necessary deduction from the donation to cover the Transaction Fees and Bank Fees, together with any other fee payable by you for the use of the service.

5.8 The detailed breakdown of fees is available on the Pricing page and is subject to updates.

5.9 Refund: In a bid to avoid fraud, PayJa policy does not issue refunds.

6 Disclaimer and limitation of liability

6.1 PayJa shall, within all reasonable care, provide an easy-to-use fundraising platform that will receive donations and we will render such payment to you subject to clause 5 payment section.

6.2 You, however, agree that your use of the website and its associated services is on an “as is” and “as available” basis and that your use of the website and its associated services is at your sole risk. PayJa does not guarantee continuous uninterrupted access to our services and the operation of the Website and associated services may be interfered with by numerous factors outside of our control.

6.3 PayJa may undertake general maintenance and upkeep of the website. During this period, the website and its associated services may not be available for use.

6.4 PayJa may change the format, layout, or content of the website at any time, with the addition or removal of functionality as it deems necessary for the improvement of service. PayJa will not be liable to any loss incurred as a result of the removal of such functionality

6.5 PayJa will not be liable to any loss incurred as a result of non-availability of the service, or any other loss that may occur as a result of the disruption of service during or after any maintenance work on the platform.

6.6 PayJa shall only be liable under these Terms of Service for losses that are reasonably foreseeable and caused by PayJa breach of these Terms of Service. PayJa liability to you shall not include losses relating to any termination of our service to you, the business of yours or your own losses such as lost or corrupt data, loss of profits, loss of contracts, loss of business opportunity, loss of sales, loss of revenue, loss of goodwill, loss of any software or data, loss of bargain, loss of opportunity, loss of use of computer equipment, loss of or waste of management or other staff time.

7 Termination

7.1 A member may discontinue the use of the services and terminate their membership at any time. Notification of the member’s intention to cancel their membership will be effective by sending a mail to [email protected] However, a member is not obliged to notify us of their membership cancellation.

7.2 Donations to the canceled member will cease from the date of membership termination.

7.3 A user’s membership can be terminated at any time by PayJa for any of the following reasons:

I. PayJa believe within reasonable doubt that the member is involved in any illegal or fraudulent activity.

II. Member or their fundraiser is flagged as fraud by other users of the Service.

III. Member is unable to provide requested documentation or information to defend the suspicion/accusation within a reasonable time frame as requested by PayJa.

IV. A request from the appropriate organization e.g Law enforcement or Bank for the closure of the membership.

7.4 PayJa reserves the right to withdraw the PayJa website and the associated services from public access at any time, at its complete discretion.

8 Suspension of the PayJa services

8.1 PayJa, without liability to the member, may suspend the operation of the PayJa services in full or in part at any time, for example for repair or maintenance work or in order to update or upgrade the contents or functionality of the website. We will try to inform you in advance of a suspension, but this may not always be possible. PayJa absolves itself from any loss you may suffer as a result of the suspension of PayJa crowdfunding services.

9 Confidentiality of your information

9.1 Information of a sensitive and confidential nature that you provide to us and we retain about you will not be disclosed to anyone other than:

9.1.1 Where we are legally required to disclose or have a public duty to disclose.

9.1.2 Where the disclosure is made with your consent;

9.1.3 Where the information is already in the public domain other than as a result of us breaching our confidentiality commitments to you.

9.1.4 To third parties to whom PayJa are required to disclose this information in order for the Services to be performed.

9.2 By using the PayJa website, you accept our use of cookies. Cookies are small text files held on your computer which we use to help us to give customers the best experience possible on our website and to let us understand how customers use our website. Some cookies have already been set. You can delete or block cookies but some parts of our website won’t work without them. You can find out more about cookies in the Privacy Policy.

10 Changes to the Terms of service

10.1 PayJa reserves the right to amend these Terms and Conditions and any changes will be posted on the PayJa website at least one month in advance of any such change coming into effect. Your continued use of the PayJa website following any such amendment will be deemed acceptance of the amended terms. You may however terminate your membership at any time in accordance with the termination of membership clause in section 1. It is the member’s responsibility to keep itself appraised of website updates and changes to these Terms of Service and you should check these Terms of Service whenever you access the PayJa website.

11 Third party rights

11.1 A person who is not a user of this service has no right to enforce any term of these Terms and conditions. Users can only enforce the terms for only the transaction they carried out.

All good?

PayJa strive to provide a remarkable service to the platform users if however any of the services you received did not meet your expectation or you would like to make any suggestion on how to improve the service, please contact us via email [email protected]

The situation will be investigated and, if necessary, actions will be taken to put matters right as quickly as we can. Where appropriate, steps will also be taken to prevent a recurrence.