Terms of service

1 Service description

1.1 Malipay is operated by Elimn Limited (the "Company"). Malipay receives, reviews, and helps coordinate RMB payment requests for users in Kenya, Uganda and Tanzania who wish to pay suppliers, agents, factories, consolidators or freight contacts in China.

1.2 Malipay v1 does not itself execute the transfer of funds. Reviewed requests are passed to licensed payment or remittance partners where applicable.

2 Eligibility

2.1 You must be at least 18 years old, resident in Kenya, Uganda or Tanzania, and acting on lawful business or personal trade purposes.

3 Customer responsibilities

3.1 You must provide accurate, complete information about yourself, the supplier, and the payment purpose.

3.2 You must upload genuine, unaltered trade documents.

3.3 You must respond to Malipay's WhatsApp or email follow-up within the time we indicate.

4 Documentation requirements

4.1 Malipay may require an invoice, proforma invoice, purchase order, supplier payment instruction, business certificate, or identity document before progressing a request.

5 Compliance and AML

5.1 Malipay performs commercially reasonable checks consistent with Kenyan anti-money-laundering and counter-terrorism-financing expectations and the requirements of our licensed partners.

5.2 Malipay may refuse or delay any request that fails screening, lacks documentation, or appears to involve sanctioned parties or prohibited purposes.

6 Acceptance and refusal of requests

6.1 Submission of a request does not create a binding obligation to settle. Settlement is conditional on Malipay's review, partner availability, and the customer's written acceptance of the prepared quote.

6.2 Malipay may decline any request, in whole or in part, at our discretion.

7 Fees

7.1 Fees are quoted in your local currency (KES, UGX or TZS) before settlement.

7.2 Quoted exchange rates are indicative until the request enters Processing.

7.3 Late or disputed amounts attract interest at the rate permitted by law.

8 No money movement by Malipay in v1

8.1 In v1, Malipay does not collect customer funds into Malipay-controlled accounts. Settlement is handled through licensed partners or guided manually.

9 Limitation of liability

9.1 To the maximum extent permitted by Kenyan law, Malipay is not liable for indirect, consequential, or special damages.

9.2 Malipay's aggregate liability under any single request shall not exceed the service fee charged for that request.

10 Indemnity

10.1 You agree to indemnify Malipay against losses arising from your breach of these terms, including from inaccurate information or unlawful purposes.

11 Term and termination

11.1 These terms apply for the lifetime of each request you submit.

11.2 Either party may terminate a request for cause with reasonable notice.

12 Notices

12.1 Notices to you are sent to the WhatsApp or email contact you provided.

12.2 Notices to Malipay must be sent via the contact route shown in the footer.

13 Force majeure, amendment, assignment, confidentiality

13.1 Neither party is liable for events beyond reasonable control. We may amend these terms; the latest version governs new requests. You may not assign your rights without our consent. Both parties keep confidential information confidential.

14 Governing law and dispute resolution

14.1 These terms are governed by the laws of Kenya.

14.2 Disputes shall first be referred to mediation in Nairobi. Unresolved disputes shall be heard by the courts of Kenya.

15 Counterparts

15.1 Acceptance through the website constitutes execution; no separate signed counterparts are required.