Terms & Conditions

• —"HashBack" refers to Hashback Solutions and its platform.
• —"User" / "You" means any individual or entity using the Services.
• —"Services" include STK Push, B2C, APIs, dashboards, and integrations.
• —"Third-Party Providers" include mobile network operators, banks, and payment processors.

You must:

• Be at least 18 years old
• Have the legal capacity to enter into a binding contract
• If acting on behalf of a business, have authority to bind that entity

You agree to:

• Provide accurate and complete information
• Maintain confidentiality of your credentials
• Be fully responsible for all activity under your account

HashBack provides a technology platform that enables users to initiate and manage payment transactions.

You agree to:

• Provide all required KYC documentation
• Comply with all applicable anti-money laundering (AML) and counter-terrorism financing (CTF) laws
• Cooperate with verification requests

HashBack reserves the right to:

• Monitor transactions
• Report suspicious activity to authorities
• Suspend accounts pending compliance review

HashBack may, at its sole discretion:

• Delay, reject, cancel, or reverse transactions
• Set transaction limits
• Suspend services due to risk, fraud, or regulatory requirements

All applicable fees will be communicated through the platform or official channels. You agree that:

• Fees may change with notice
• Transaction fees are non-refundable, except where required by law

See our Pricing Page for current rates.

• Users are responsible for verifying transaction details before submission
• HashBack does not guarantee reversals of completed transactions
• Duplicate or erroneous payments may be addressed at HashBack's discretion

You agree:

• Not to use the platform for illegal or fraudulent purposes
• To verify the legitimacy of your customers
• To comply with all applicable laws and regulations

You are solely responsible for:

• Fraudulent transactions initiated through your account
• Disputes with your customers

• Fraud committed by your customers or third parties
• Unauthorized payments resulting from your system vulnerabilities
• Social engineering or phishing attacks affecting your account

HashBack relies on third-party providers including mobile networks and financial institutions. We are not responsible for:

• Downtime or failures from mobile networks or banks
• Delays in transaction processing
• Errors caused by external systems

You grant HashBack a non-exclusive, worldwide license to use, store, and process data you submit, and to analyze transaction data for service improvement and compliance.

HashBack processes personal data in accordance with applicable data protection laws. We may collect and process:

• Identity information
• Transaction data
• Device and usage data

You have the right to:

• Access your data
• Request correction or deletion where applicable

All platform content, APIs, and systems are owned by HashBack. You may not:

• Copy, modify, or reverse engineer the platform
• Use the platform beyond the permitted scope of these Terms

You agree to indemnify and hold harmless HashBack from any claims, damages, or losses arising from:

• Your misuse of the Services
• Your violation of these Terms
• Disputes between you and your customers

HashBack may suspend or terminate your account for:

• Violation of these Terms
• Suspected fraud or illegal activity
• Regulatory or compliance reasons

Any disputes shall be resolved through:

• 1.Negotiation in good faith between the parties
• 2.If unresolved, arbitration in Nairobi, Kenya in accordance with applicable arbitration laws

These Terms are governed by and construed under the laws of the Republic of Kenya.

These Terms constitute the entire agreement between you and HashBack and supersede all prior agreements, representations, and understandings.

If any provision of these Terms is found invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

HashBack may update these Terms at any time. Significant changes will be communicated via email or dashboard alerts.

For legal inquiries or questions about these Terms, contact us at:

• ✉hashbacksolutions@gmail.com

This section applies specifically to users of the HashPay Peer-to-Peer (P2P) payment services, including P2P gateways, payment automations, and related integrations.

25.1 — Data Ownership & Exclusivity

• All data generated through your use of HashPay P2P services — including transaction records, recipient details, gateway configurations, and automation rules — belongs exclusively to you, the user.
• This data is used solely to power your own gateway and your own automations. It is not pooled, sold, or made accessible to other users or external parties.

25.2 — No Third-Party Data Sharing

• HashPay will not sell, rent, or otherwise disclose your P2P data to any third party.
• Your P2P data will not be shared with advertisers, data brokers, or any commercial third parties.
• Disclosure may occur only where required by law (e.g., court order, regulatory directive) or as strictly necessary to process your transactions through mobile network operators and financial institutions under Section 11.

25.3 — Service Improvement & Analytics

HashBack may use aggregated, anonymised analytics derived from P2P activity across the platform to:

• Improve the reliability, performance, and security of the HashPay P2P infrastructure
• Develop new features and optimise existing P2P gateway capabilities
• Monitor platform health and detect fraud patterns at a systemic level

25.4 — Data Retention

• P2P transaction data is retained for as long as your account is active and as required by applicable Kenyan law and regulatory obligations.
• Upon account termination, your personal P2P data will be deleted or anonymised within a reasonable period, except where retention is legally required.

25.5 — Your Rights

• You may request access to your P2P data at any time by contacting HashBack support.
• You may request correction of inaccurate data or deletion of data where legally permissible.