Legal notice

1. SITE PUBLISHER

The website accessible at https://sebpay.africa (hereinafter the "Site") is published by:

2. LEGAL REPRESENTATIVE

SEBPAY AFRICA is represented by:

Mr. Roméo Sèbi SAI, acting as Managing Director and Publication Director.

3. PUBLICATION DIRECTOR

The Site's Publication Director is:

Mr. Roméo Sèbi SAI

4. HOSTING AND TECHNICAL INFRASTRUCTURE

4.1 Primary hosting

The Site and its application infrastructure are hosted by:

OVH notably provides:

• hosting of the primary servers
• data storage
• Site availability
• cloud infrastructure security

4.2 Secondary hosting / redundancy

Part of the services may also be hosted by:

Contabo may be used for:

• system redundancy
• load balancing
• development and disaster-recovery environments

4.3 Infrastructure and security

SEBPAY AFRICA implements a distributed architecture including:

• secure servers in a cloud environment
• redundancy mechanisms
• regular backups
• intrusion monitoring and detection systems

5. DOMAIN NAME REGISTRATION

The domain name sebpay.africa is registered by SEBPAY AFRICA with an accredited registrar.

6. NATURE OF ACTIVITIES

SEBPAY AFRICA is a technology platform providing:

• payment processing solutions
• digital collection tools
• financial intermediation services
• payment APIs for businesses

7. LEGAL STATUS OF THE SERVICES

SEBPAY AFRICA acts exclusively as a:

• technology provider
• technical payment intermediary

SEBPAY AFRICA:

• is not a bank
• is not a credit institution
• is not an electronic money institution
• is not a licensed payment institution

SEBPAY AFRICA does not provide any fund deposit or custody service.

Users' funds are processed, held, and secured by duly licensed partner financial institutions.

8. INTELLECTUAL PROPERTY

All content on the sebpay.africa website (structure, text, images, logos, trademarks, videos) is the exclusive property of SEBPAY AFRICA or its partners. Any reproduction, representation, modification, adaptation, or distribution, in whole or in part, is strictly prohibited without prior authorization.

9. LIABILITY

SEBPAY AFRICA strives to ensure the accuracy and timeliness of the information published.

However, SEBPAY AFRICA cannot be held liable for:

• errors or omissions
• interruptions or unavailability
• indirect losses
• decisions made on the basis of information found on the site

SEBPAY AFRICA acts as a technical intermediary and cannot be regarded as a custodian of funds or a financial institution.

10. SECURITY

SEBPAY AFRICA implements technical and organizational measures to protect its systems:

• encryption of communications
• strict access control
• continuous monitoring
• security audits

11. PERSONAL DATA

Personal data is processed in accordance with the Privacy Policy available on the Site.

The user has rights of access, rectification, and deletion.

12. HYPERLINKS

The Site may contain links to third-party sites. SEBPAY AFRICA does not control these sites and disclaims all liability for their content.

13. GOVERNING LAW

This legal notice is governed by the law of the Republic of Benin.

Any dispute shall be submitted to the courts having jurisdiction over SEBPAY AFRICA's registered office.