Terms & Conditions

1. Introduction

Welcome to Khlas Pay.

These Terms & Conditions ("Terms") govern your access to and use of the Khlas Pay website, platform, payment infrastructure, APIs, and related services ("Services"). By accessing or using our Services, you agree to comply with and be legally bound by these Terms.

If you do not agree with these Terms, you should not access or use the Services.

Throughout these Terms, "Khlas Pay," "we," "our," and "us" refer to Khlas Pay, a company operating from Morocco, together with its affiliated entities, partners, and service providers.

"Merchant," "user," "client," and "you" refer to any business, organization, or individual using our Services.

2. About KhlasPay

Khlas Pay provides merchant payment infrastructure and payment processing solutions designed to support businesses operating locally and internationally.

Our Services may include:

• Payment processing solutions
• Open Banking integrations
• QR code payment solutions
• Merchant payment infrastructure
• Business payment solutions through regulated partners
• Payment routing and reconciliation tools
• APIs and integrations
• Transaction monitoring and reporting

Khlas Pay operates in partnership with regulated financial institutions and licensed payment providers, including infrastructure operating under the supervision of Bank Al-Maghrib and supported through licensed banking and financial partners such as Attijariwafa Bank.

Khlas Pay itself is not a bank. Certain payment and financial services are provided through regulated banks, licensed payment institutions, electronic money institutions, and financial infrastructure partners operating in Morocco and other jurisdictions.

3. Eligibility

To use our Services, you must:

• Be at least 18 years old
• Operate a legally registered business, where applicable
• Have authority to bind your organization
• Provide accurate and complete information
• Comply with all applicable laws and regulations

Khlas Pay reserves the right to reject or terminate access to Services where required for legal, compliance, operational, or risk management purposes.

4. Merchant Responsibilities

Merchants using Khlas Pay agree to:

• Use the Services only for lawful business activities
• Maintain accurate business and account information
• Ensure transactions are legitimate and authorized
• Comply with anti-money laundering (AML) and fraud prevention requirements
• Protect account credentials and system access
• Notify Khlas Pay immediately of suspicious activity or unauthorized access

Merchants may not use Khlas Pay for:

• Illegal activities
• Fraudulent transactions
• Unauthorized financial services
• Restricted or prohibited industries under applicable laws or partner requirements
• Activities that may harm Khlas Pay's infrastructure, reputation, or operations

5. Payment Processing

Khlas Pay facilitates payment processing through banking infrastructure, payment technologies, and regulated financial partners.

Payment processing and settlement times may vary depending on:

• Banking network availability
• Financial institution participation
• Compliance reviews
• Technical interruptions
• Regulatory requirements
• Regional infrastructure limitations

Khlas Pay does not guarantee uninterrupted, real-time, or immediate processing in all circumstances.

Khlas Pay reserves the right to delay, suspend, review, or reject transactions where necessary for:

• Fraud prevention
• Security reviews
• Compliance obligations
• Technical maintenance
• Regulatory or legal requests

6. Fees

Fees for Services may be outlined separately in merchant agreements, onboarding documentation, quotations, or pricing schedules.

Khlas Pay reserves the right to update pricing, processing fees, or service charges with reasonable notice, where permitted by applicable law.

Merchants are responsible for applicable taxes, duties, and governmental charges related to their use of the Services.

7. Intellectual Property

All content, branding, software, systems, APIs, designs, trademarks, logos, and materials associated with Khlas Pay remain the intellectual property of Khlas Pay or its licensors.

You may not:

• Copy or reproduce platform materials
• Reverse engineer our systems
• Modify or distribute proprietary content
• Use Khlas Pay branding without written authorization

8. Availability of Services

Khlas Pay strives to maintain reliable platform availability; however, uninterrupted access to Services is not guaranteed.

Temporary interruptions may occur due to:

• System maintenance
• Banking infrastructure downtime
• Technical failures
• Security incidents
• Regulatory requirements
• Third-party service disruptions

Khlas Pay may update, modify, suspend, or discontinue portions of the Services at any time.

9. Security

Khlas Pay implements commercially reasonable technical and organizational security measures designed to protect payment information, merchant data, and platform infrastructure.

However, no online platform or digital transmission can be guaranteed to be completely secure.

Merchants remain responsible for maintaining:

• Secure login credentials
• Internal cybersecurity controls
• Authorized account access management
• Secure integration environments

10. Compliance & Verification

Khlas Pay may conduct:

• Know Your Business (KYB) checks
• Identity verification
• Compliance reviews
• Transaction monitoring
• Risk assessments

We may request additional documentation at any time to comply with legal, regulatory, banking, or partner obligations.

Failure to provide requested information may result in service suspension or termination.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Khlas Pay shall not be liable for:

• Indirect or consequential damages
• Lost profits or revenue
• Business interruption
• Data loss
• Delayed settlements
• Third-party banking or infrastructure failures
• Unauthorized access caused by merchant negligence

Khlas Pay's total liability relating to the Services shall not exceed the fees paid by the merchant to Khlas Pay during the preceding 12 months, unless otherwise required by law.

12. Indemnification

You agree to indemnify and hold harmless Khlas Pay, its affiliates, partners, officers, employees, contractors, and licensors from claims, liabilities, damages, losses, or expenses arising from:

• Your misuse of the Services
• Violation of these Terms
• Fraudulent or unlawful activities
• Violations of third-party rights

13. Termination

Khlas Pay may suspend or terminate access to Services immediately where:

• Required by law or regulation
• Fraud or suspicious activity is detected
• Merchant activity creates unacceptable risk
• These Terms are violated
• Requested information is not provided

Merchants may discontinue use of the Services at any time, subject to contractual obligations.

14. Third-Party Services

Khlas Pay may rely on third-party providers, including:

• Banks
• Payment institutions
• Cloud infrastructure providers
• Compliance providers
• Technology providers
• Financial service partners

Khlas Pay is not responsible for interruptions or failures caused by third-party systems beyond our reasonable control.

15. Privacy

Your use of the Services is also governed by our Privacy Policy.

16. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws and regulations applicable in the Kingdom of Morocco, unless otherwise specified in a separate merchant agreement or required by applicable international regulations.

17. Changes to Terms

Khlas Pay reserves the right to update or modify these Terms at any time.

Updated versions become effective upon publication on the website, unless otherwise stated.

Continued use of the Services after updates constitutes acceptance of the revised Terms.

18. Contact Information

Khlas Pay

Email: contact@khlaspay.com

Website: www.khlaspay.ma