Welcome to HashBack. These Terms and Conditions ("Terms") govern your access to and use of the HashBack platform, services, APIs, and related systems ("Services"). By accessing or using our Services, you agree to be bound by these Terms.
01
Definitions
- —"HashBack" refers to HashBack Technologies 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.
02
Eligibility
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
HashBack reserves the right to request proof of eligibility at any time.
03
Account Registration & Security
You agree to:
- Provide accurate and complete information
- Maintain confidentiality of your credentials
- Be fully responsible for all activity under your account
HashBack is not liable for losses arising from unauthorized account access due to your failure to secure credentials.
04
Services Description
HashBack provides a technology platform that enables users to initiate and manage payment transactions.
HashBack is not a bank, does not hold customer deposits, and is not a party to transactions between you and your customers.
05
KYC, AML & Compliance
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
06
Transaction Control & Limitations
HashBack may, at its sole discretion:
- Delay, reject, cancel, or reverse transactions
- Set transaction limits
- Suspend services due to risk, fraud, or regulatory requirements
HashBack does not guarantee successful transaction completion, real-time processing, or accuracy of third-party systems.
07
Fees & Charges
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.
08
Refunds, Reversals & Errors
- 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
09
User Responsibilities
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
10
Fraud & Risk Liability
HashBack shall not be liable for fraud committed by customers or third parties, unauthorized payments from your system vulnerabilities, or social engineering / phishing attacks affecting your account.
- Fraud committed by your customers or third parties
- Unauthorized payments resulting from your system vulnerabilities
- Social engineering or phishing attacks affecting your account
11
Third-Party Services
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
12
Service Availability
Services are provided on an "as is" and "as available" basis. HashBack does not guarantee continuous uptime, error-free operation, or uninterrupted access.
13
User Content
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.
You retain ownership of your data at all times.
14
Data Protection & Privacy
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
Kenya Data Protection Act compliance is required for all data processed through our APIs.
15
Intellectual Property
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
16
Indemnification
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
17
Limitation of Liability
To the maximum extent permitted by law, HashBack shall not be liable for indirect or consequential damages, loss of profits, revenue, or data, or transaction failures due to third-party systems.
18
Termination & Suspension
HashBack may suspend or terminate your account for:
- Violation of these Terms
- Suspected fraud or illegal activity
- Regulatory or compliance reasons
You may terminate your account at any time by contacting our support team.
19
Dispute Resolution
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
All proceedings shall be conducted in English.
20
Governing Law
These Terms are governed by and construed under the laws of the Republic of Kenya.
21
Entire Agreement
These Terms constitute the entire agreement between you and HashBack and supersede all prior agreements, representations, and understandings.
22
Severability
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.
23
Changes to Terms
HashBack may update these Terms at any time. Significant changes will be communicated via email or dashboard alerts.
Continued use of the Services after updates constitutes your acceptance of the revised Terms.
24
Contact Information
For legal inquiries or questions about these Terms, contact us at:
⚖️ Your Agreement
By using HashBack, you acknowledge that you understand the risks involved in digital payments and accept full responsibility for your use of the platform. You confirm that you have read, understood, and agreed to all 24 sections of these Terms.
