Terms and conditions

These Terms and Conditions (the Terms) are a binding agreement between lomi. Technologies Africa S.A., a company incorporated in Côte d'Ivoire with its registered office at Cocody, Les Perles, Rue 01012 L82/375, Abidjan (lomi., we, us), and the business or person that creates a lomi. account or uses the Services (the Client, you). lomi. is a payment technology company. We provide payment processing, collection, checkout, payment-link, subscription and disbursement services (the Services) through licensed partner banks, electronic-money issuers, card acquirers and the mobile-money operators of the region.

By clicking to accept, by creating an account, or by using any part of the Services, you accept these Terms, our Privacy Policy and our Acceptable use policy, which are incorporated by reference. If you accept on behalf of a company or other legal entity, you confirm that you have authority to bind it. If you do not agree, do not use the Services.

These Terms are drafted in French. The English, Spanish and Chinese versions are provided for convenience only; in case of conflict, the French version prevails (see Section 24).

1. Agreement and parties

What this document covers and who is bound by it

These Terms govern the Client's access to and use of the Services, the lomi. dashboard, the API, the SDKs, the CLI, the hosted MCP server, the hosted checkout, the plugins and every related product that lomi. makes available (together, the Platform). They apply to every organization the Client creates on the Platform and to every user the Client invites.

The following documents form part of these Terms, in this order of precedence in case of conflict: (a) a signed order form or service agreement between the Client and lomi., if any; (b) these Terms; (c) the Acceptable use policy; (d) the Privacy Policy; (e) the pricing published at lomi.africa/pricing and in the dashboard under Billing → Pricing; (f) the Services Documentation at docs.lomi.africa.

lomi. acts as a payment processor and technical intermediary between the Client and the Payment Channel Partners. lomi. is not a bank and does not issue electronic money. lomi. Technologies Africa S.A. has applied to the Banque Centrale des États de l'Afrique de l'Ouest (BCEAO) for authorisation as a payment institution (établissement de paiement) under the Instruction. While that application is under review, the regulated steps of each payment are executed by licensed Payment Channel Partners, and lomi. applies to the Client the user-protection rules of the Instruction described in these Terms. lomi. is not a party to the sale between the Client and its customers. The Client remains the seller of record of its goods and services and is solely responsible for them, for the taxes they attract and for the promises made to its customers.

2. Definitions

Capitalized terms used in these Terms

Unless the context requires otherwise, the following terms have the meanings set out below. Words in the singular include the plural and vice versa.

Affiliate: means any entity that controls, is controlled by, or is under common control with a party.
API: means the application programming interfaces, SDKs, CLI, MCP server, webhooks and related tools that lomi. makes available so that the Client can access the Services.
Balance: means the amount of funds recorded in the Client's favour on the Platform, net of Fees, Reserves, Holds, refunds, Chargebacks and other amounts owed to lomi., before Payout.
Card Network Rules: means the by-laws, operating regulations and program rules of Visa, Mastercard, GIM-UEMOA and any other card scheme whose cards are accepted through the Services, as amended from time to time.
Cardholder: means a natural or legal person holding a debit, credit or prepaid card issued by a bank or an institution authorized to issue such cards.
Charge: means a credit or debit instruction to authorize or capture funds from a card, mobile-money wallet or bank account of a Customer in connection with a transaction between the Customer and the Client.
Chargeback: means a challenge to a payment that a Customer files with his or her card issuer, bank or mobile-money operator, and any resulting reversal, whether or not the Client is ultimately found liable.
Client Account: means the lomi. account, including every organization, workspace, user, API key and payout destination attached to it.
Confidential Information: means any non-public information disclosed by a party, in any form, that is marked confidential or that a reasonable person would understand to be confidential, including product roadmaps, pricing terms agreed in writing, security details, Customer data and the commercial terms of any order form. It excludes information that is public, already known to the recipient, independently developed, or lawfully obtained from a third party.
Customer: means a person who pays, or attempts to pay, the Client through the Services, including a Cardholder and a mobile-money user.
Fees: means the amounts payable by the Client to lomi. for the Services, as published at lomi.africa/pricing and in the dashboard under Billing → Pricing, or as agreed in a signed order form.
Hold: means a delay, freeze or restriction that lomi. applies to all or part of the Balance, a Charge, a Payout or live collection while it reviews risk, KYC, KYB, a Chargeback or an investigation.
In-Person Payments: means payments accepted from a Customer who is physically present, through the lomi. Pos mobile application or any other software, reader, QR display or terminal that lomi. provides, including contactless card and wallet payments on a compatible smartphone (Tap to Pay), mobile-money and PI-SPI QR codes and payment requests, and Payment Links sent by message.
Instruction: means Instruction No. 001-01-2024 of the BCEAO on payment services in the UMOA, and any text that amends or replaces it.
Invalid Payment: means any payment that is reversed, refused, refunded, charged back, reported as fraudulent, reversed by a mobile-money operator, or otherwise not finally settled for the Client's benefit, including over-payments, payment errors, socially engineered cards and payments that do not correspond to a real sale of the Client's own goods or services.
Payment Channel Partner: means a bank, electronic-money issuer, card acquirer or acquiring processor, card network, mobile-money operator, payment scheme (including the BCEAO's Plateforme Interopérable du Système de Paiement Instantané, PI-SPI), provider of in-person acceptance software, or any other financial institution or infrastructure provider through which lomi. provides the Services.
Payment Link: means a hosted checkout URL, invoice, payment request, checkout session, QR code or similar page created on the Platform so that a Customer can pay the Client.
Payout: means the transfer of all or part of the available Balance to the Client's verified bank account or mobile-money wallet, whether initiated by the Client or on the schedule shown in the dashboard.
POS Hardware: means any card reader, terminal, printer, stand or other physical device that lomi. sells, rents or lends to the Client for In-Person Payments.
Reserve: means an amount that lomi. withholds from the Balance as security for Chargebacks, refunds, fines, Invalid Payments or other losses. A Reserve may last through the applicable card-scheme dispute window. No interest is paid on a Reserve or a Hold.
Services Documentation: means the technical and operational documentation published at docs.lomi.africa, as updated from time to time.
Test Mode: means the sandbox environment and the test API keys (for example keys starting with lomi_sk_test) that simulate payments without moving real funds.

3. Eligibility, account and verification

Who can use lomi. and what we check

The Services are available only to businesses, registered professionals and organizations that sell their own goods or services. To open a Client Account you must be at least eighteen (18) years old, have legal capacity, act for a business established in a country where lomi. offers the Services, and not be located in, or owned or controlled by a person in, a country or on a list subject to sanctions (see Section 12). lomi. may refuse an application at its discretion.

You must provide accurate, complete and current information at sign-up and keep it updated, including your legal name, trade name, registration number (such as RCCM), tax identification (such as NINEA or DFE), address, beneficial owners holding 25% or more, directors and authorized signatories, the nature of your business and the websites, apps or channels on which you sell.

lomi. may verify and re-verify your identity and business at any time (KYC and KYB), including identity documents, business registration, address proof and signatories. lomi. may consult public registries (including a greffe), banks, acquiring partners, sanctions and politically-exposed-person lists, and other Payment Channel Partners, and may require a second opinion from a banking partner before releasing funds. Verification may include automated checks; any decision that materially affects your account based on such checks is reviewed by a person on request (see Section 15).

You must respond promptly, and in any case within ten (10) business days, to a request for documents, invoices, contracts, proof of delivery or performance, or the identity of paying Customers. Incomplete, inconsistent or false information allows lomi. to refuse the application, apply a Hold or Reserve, suspend collection or Payouts, or terminate the Services.

Each Client Account is personal to the Client. You may not sell, lend or transfer it, and you are responsible for every action taken through it by your users, employees, contractors, AI agents and connected applications.

4. Services

What lomi. provides

lomi. provides the Services described in the Services Documentation. Availability of a given payment method, currency or country depends on the Payment Channel Partners and may change. lomi. may add, modify or withdraw features, and will give reasonable notice when a change materially reduces functionality you actively use.

Limits. Transactions are subject to the per-transaction, daily and monthly limits shown in the dashboard for each payment method. They reflect the limits set by the Payment Channel Partners, the ceilings set by applicable regulation and lomi.'s own risk assessment of the Client. lomi. may lower a Client's limits with notice, or immediately where risk so requires, and will state the reason unless prohibited by law.

Receipts and statements. For each transaction, lomi. makes available to the Client and, where applicable, to the Customer a record showing the name of lomi., the nature and amount of the operation, the Fees shown separately from the amount, the date, time and reference, the parties, and the result. The dashboard provides a history of transactions, Fees and commissions covering at least the preceding twelve (12) months, and monthly statements can be exported. The Client shall give its Customers a receipt for each In-Person Payment.

4.1 Card processing

lomi. enables the Client to accept debit, credit and prepaid cards on its website, application, Payment Links or point of sale, including through 3-D Secure authentication, card storage for recurring billing and fraud tools. lomi. may act as an aggregator, processing Charges under its own merchant identification numbers with its acquiring partners, or assist the Client in obtaining its own merchant account. In every case the Client remains the seller of the underlying goods or services and remains responsible for Cardholder claims, delivery, refunds, Chargebacks and the description shown at checkout.

4.2 Mobile money collection

lomi. enables the Client to collect payments from mobile-money wallets (for example Orange Money, MTN MoMo, Moov Money, Wave and other operators listed in the dashboard) through the API, Payment Links, checkout or point-of-sale flows. Collections are subject to each operator's own rules, limits and availability. The Client configures collection methods in the dashboard or through the API; each collection must correspond to a payment request created on the Platform.

4.3 Instant payments (PI-SPI)

Where available, lomi. enables collection and Payouts through the Plateforme Interopérable du Système de Paiement Instantané (PI-SPI) operated by the BCEAO, via participant partner banks, and through local bank transfers. Instant payments are generally irrevocable once executed; the Client is responsible for refunding a Customer who paid in error, and lomi. will assist on request in tracing a payment sent to a wrong identifier.

4.4 Payment Links, hosted checkout and embeds

The Client may create Payment Links, checkout sessions and embedded checkout components. Every Payment Link must name a real good or service that the Client sells, in a way a Customer can understand, and must show the price, currency and, where relevant, the delivery or subscription terms. lomi. may deactivate a Payment Link that does not meet these requirements.

4.5 Subscriptions and recurring billing

The Client may bill Customers on a recurring basis. The Client is responsible for obtaining and keeping evidence of the Customer's express consent to recurring charges, for disclosing the amount, frequency and cancellation method before the first charge, for honoring cancellations promptly, and for notifying Customers of price changes and of the charge date where Card Network Rules or applicable law require it.

4.6 Disbursements and Payouts

The Client may instruct lomi., through the API or the dashboard, to disburse funds to bank accounts and mobile-money wallets of the Client or of its beneficiaries (for example suppliers, employees or refund recipients). An instruction delivered with the Client's API key or by an authenticated dashboard user is received by lomi. when submitted and is final and irrevocable from that moment, except that lomi. may delay, refuse, cancel or reverse a disbursement when a Reserve or Hold applies, when KYC or KYB is incomplete, when the destination fails a sanctions or fraud check, or when an investigation is open. If lomi. refuses to execute a disbursement, it informs the Client of the refusal and, unless prohibited by anti-money-laundering law, of the reason and of how to correct any factual error. A disbursement is executed when the funds leave the Client's Balance towards the designated destination. lomi. is not responsible for funds sent to a destination that the Client identified incorrectly, but will assist on request in trying to recover them.

4.7 In-Person Payments: lomi. Pos, Tap to Pay, QR codes and POS

Through the lomi. Pos mobile application (iOS and Android) and any other In-Person Payment tool lomi. offers, the Client may accept payments from Customers who are physically present: contactless cards and wallets tapped on a compatible smartphone (Tap to Pay), mobile-money payments confirmed by the Customer on his or her own phone, PI-SPI and mobile-money QR codes (merchant-presented or Customer-presented) and Payment Links sent by message. Tap to Pay uses the contactless reader of the Client's own device through a certified acceptance solution of a Payment Channel Partner; its use is also subject to the terms of that partner and of the device platform (for example Apple or Google), which the Client accepts when enabling the feature. In-Person Payments are subject to the same Fees, limits, Chargeback, Reserve and Hold rules as other Charges; in-person Fees are published on the pricing page.

Devices and staff. The Client shall use lomi. Pos only on devices that it controls, that run a supported operating-system version, that are not jailbroken, rooted or otherwise modified, that are protected by a screen lock and that run the application downloaded from the official app stores. lomi. may refuse or block a device that fails its integrity checks. Each employee or agent who uses lomi. Pos must have his or her own user profile and PIN; the Client is responsible for the roles it grants, for the sales, refunds and Payouts made by its staff, and for removing staff access without delay when it ends. The Client shall never ask a Customer to hand over a card or disclose a PIN, shall let the Customer enter his or her PIN or confirmation privately on the device or on his or her own phone, and shall not record, photograph or key in card data.

Confirmation before delivery. The Client shall hand over goods or perform services only after the payment appears as successful in lomi. Pos, in the dashboard or through a webhook. A screenshot, message or verbal confirmation shown by a Customer is not proof of payment, and lomi. is not liable for goods or services released against a payment it has not confirmed. lomi. Pos does not accept payments offline. Where the application lets the Client record cash or other sales made outside the Platform for bookkeeping, those records are not payment services and lomi. has no responsibility for those sales.

Chargebacks on In-Person Payments. A contactless or chip transaction authenticated by the Customer does not exempt the Client from a Chargeback for goods or services not provided, not as described or cancelled, nor from liability for a transaction that the Card Network Rules attribute to the merchant (for example a manually keyed, fallback or unauthenticated transaction). Mobile-money and PI-SPI payments confirmed by the Customer are generally final; the Client refunds through the Platform a Customer who paid by mistake.

4.8 POS Hardware

Where lomi. sells, rents or lends POS Hardware to the Client, the price or rental fee, the delivery terms and the duration are stated in the order or in the dashboard. Rented or lent POS Hardware remains the property of lomi.; sold POS Hardware becomes the Client's property on full payment. The Client shall use POS Hardware only with the Services and in accordance with the user guide, keep it in good condition, protect it against loss, theft and tampering, not open, modify or attach unauthorized devices to it, and report any loss, theft or tampering to lomi. within twenty-four (24) hours. The Client bears the risk of loss of or damage to POS Hardware in its possession, except normal wear, and pays the replacement value published by lomi. for hardware that is lost, stolen, damaged or not returned within thirty (30) days after the end of the rental or of these Terms. The warranty on POS Hardware is limited to the manufacturer's warranty passed on by lomi. lomi. may replace or update hardware and its software, and may remotely disable hardware that is compromised, tampered with or used in breach of these Terms.

4.9 Test Mode

Test Mode simulates payments without moving real funds. Test data may be deleted at any time. Test Payment Links and test keys must never be used to take live payments, and live keys must never be used for testing with real Customers' instruments without their knowledge.

5. Underlying transactions

Every Charge must match a real sale

Every Charge must correspond to a real, disclosed sale of goods or services by the Client, delivered by the Client, to a Customer who agreed to pay for them. Payment Links, invoices and checkout pages must name that product or service. Using the Services as a wire, remittance rail, invoice mill, cash-out tool, or collection channel for someone else's activity is prohibited.

The Client shall not present a Charge for an amount, currency or Customer geography that does not match the stated business, split a single sale into several Charges to avoid limits, or present a Charge that it knows or should know is fraudulent, unauthorized, or for goods or services that will not be delivered.

On request, the Client shall show the contract, order, invoice and proof of delivery or performance for any Charge, and the identity of the paying Customer. The Client is responsible for the accuracy of the descriptor, receipts and Customer communications shown for each Charge.

6. Fees and taxes

What you pay lomi. and how it changes

The Client shall pay the Fees. Unless a signed order form provides otherwise, the Fees are those published at lomi.africa/pricing and shown in the dashboard under Billing → Pricing at the time of each transaction, including per-transaction processing fees, refund fees, Chargeback fees, Payout fees, currency-conversion fees and any add-on the Client enables. Fees are deducted from each Charge or from the Balance as they accrue; if the Balance is insufficient, lomi. may invoice the Client, and the invoice is payable within ten (10) business days.

lomi. may change the Fees or introduce new Fees. lomi. will give at least two (2) months' notice by email and in the dashboard, on a durable medium, before a change to the Fees takes effect, in accordance with Article 57 of the Instruction. If you do not accept a Fee change, you may terminate these Terms free of charge before it takes effect; if you have not notified your disagreement before the effective date, the change is deemed accepted. Fee reductions and promotional pricing may take effect on publication. Where a change is required by law, by a regulator, by a Card Network or by a Payment Channel Partner within a shorter period, lomi. will inform you as early as possible and the change takes effect on the date so required.

Fees charged by banks, mobile-money operators, card networks or other Payment Channel Partners that are specific to the Client's transactions (for example operator cash-out fees, cross-border fees or currency conversion) are passed through at cost or as published on the pricing page. Fees are exclusive of VAT and other taxes, which are added where applicable.

Processing fees are not returned when a Charge is refunded, and the refund fee published on the pricing page applies to each refund. The Client is solely responsible for determining, collecting, reporting and remitting every tax that applies to its sales. lomi. may collect and remit taxes on its own Fees as required by law and may report Client activity to tax authorities where legally required.

7. Payouts, Balance and dormant funds

How and when you receive your money

Funds collected for the Client are recorded in the Balance. lomi. pays out the available Balance on the schedule shown in the dashboard, or on the Client's instruction where instant or on-demand Payouts are enabled. Card funds become available after the settlement delay shown in the dashboard for each payment method; mobile-money and instant-payment funds are generally available sooner. lomi. may change the schedule for a payment method with notice, or immediately where risk so requires.

Payouts are made only to a bank account or mobile-money wallet held in the Client's own name and verified against its KYC file. lomi. may refuse a destination in another country, a personal wallet that is not the verified business, or any destination that does not match the Client's file. The Client is responsible for the accuracy of Payout details; funds sent according to details the Client provided are treated as received by the Client. Payout fees are published on the pricing page.

Client funds are recorded on the Platform separately from lomi.'s own operating funds and are held with partner banks and other Payment Channel Partners, including in dedicated accounts opened for that purpose, in accordance with the rules on the protection of payment service users' funds applicable in the UMOA. The Balance is a claim for settlement of processed transactions; it is not a deposit, is not insured, does not earn interest, and may not be used as a store of value, savings or float. Funds collected for the Client are settled within the periods shown in the dashboard for each payment method. lomi. may net any amount the Client owes it against the Balance before Payout (see Section 10).

Dormant funds. lomi. charges no dormancy fee. If a Client Account has had no transaction, login or Payout for twelve (12) consecutive months and still shows a Balance, lomi. will notify the Client by email and in the dashboard. If the Client does not respond or withdraw the funds within sixty (60) days of that notice, lomi. will pay the remaining Balance, net of any amounts owed, to the last verified Payout destination and may close the Client Account. Where no verified destination exists, lomi. will hold the funds and deal with them as applicable law on unclaimed funds requires.

8. Refunds

Refunding Customers

The Client is responsible for publishing a clear refund and cancellation policy, for honoring it, and for issuing refunds to Customers through the Platform rather than by other means. The Client may refund a Charge in full or in part from the dashboard or the API, within the window allowed by the relevant Payment Channel Partner. Refunds are debited from the Balance; if the Balance is insufficient, lomi. may debit later Charges, apply a Reserve, or invoice the Client.

Processing fees are not returned on refund and a refund fee applies as published on the pricing page. Refunds to cards are returned to the original card; refunds of mobile-money and instant payments are returned to the original wallet or account where the operator allows it.

lomi. may itself refund a Charge within sixty (60) days of the original payment, without waiting for a Chargeback, when it reasonably considers that a refund will reduce Chargeback, fraud or network-monitoring risk, when the Customer shows that the Charge was unauthorized or that the goods or services were not delivered, or when a Payment Channel Partner or a competent authority so instructs. lomi. will inform the Client of each such refund.

9. Chargebacks and disputes

Who pays for disputed payments

The Client is liable for every Chargeback, dispute and reversal on its traffic, whatever the reason and whether or not the Client contests it. That liability includes the full disputed amount, the dispute fee as published on the pricing page (currently 10,000 F CFA for local disputes and USD 15 for international disputes, or the amount charged by the network or operator if higher), and any fine or penalty a Payment Channel Partner imposes because of the Client's dispute ratio. Successful 3-D Secure or a similar authentication step does not prevent a Chargeback for goods or services not received, not as described, cancelled recurring billing or a similar reason code.

lomi. will notify the Client of a Chargeback through the dashboard, webhooks or email. To contest it, the Client must provide evidence (invoice, order, proof of delivery or performance, Customer communications, consent to recurring billing) within seventy-two (72) hours of the notice, or any shorter period the Payment Channel Partner imposes. lomi. will submit the evidence but does not decide the outcome and does not guarantee that a Chargeback will be reversed. Amounts recovered are credited back to the Balance net of any non-refundable fees.

A reversal ordered by a mobile-money operator, a bank or an instant-payment scheme, and any payment that a Customer contests directly with lomi. and that the Client cannot substantiate, is treated as an Invalid Payment under Section 10.

If the Client's Chargeback or dispute ratio approaches the thresholds set by the Card Network Rules or a Payment Channel Partner (today around 0.7% of transactions for the major card networks), lomi. may require a remediation plan, apply a Reserve, restrict payment methods, or suspend the Services.

10. Invalid Payments, set-off and negative Balance

Losses you bear and how we recover them

The Client is liable for all losses that lomi., its Affiliates or its Payment Channel Partners incur arising from: (a) any over-payment, payment error, refund, Chargeback, representment loss, dispute fee, issuer fraud report, operator reversal or other Invalid Payment on the Client's traffic; (b) any error, default, negligence, misconduct or fraud by the Client, its employees, directors, officers, agents, AI agents or connected applications, or anyone acting on its behalf; (c) socially engineered, mule or unauthorized card or wallet payments on the Client's Payment Links or checkout, including where authentication succeeded; and (d) fines, monitoring programs, assessments or account actions imposed by card networks, acquiring banks, mobile-money operators or other Payment Channel Partners because of the Client's traffic.

Set-off. lomi. may deduct any amount the Client owes it under these Terms from any Balance, Payout, Reserve or Hold held for the Client, in any currency and across every organization of the Client and of its Affiliates on the Platform, without prior notice. lomi. will show each deduction in the dashboard.

Negative Balance. If the Balance becomes negative or is insufficient to cover amounts owed, the Client shall pay the shortfall within ten (10) business days of lomi.'s demand. Amounts unpaid after that date bear interest at the legal rate applicable in Côte d'Ivoire plus two (2) percentage points per year, and the Client shall reimburse lomi.'s reasonable costs of recovery, including collection-agency and legal fees. lomi. may also debit any Payout destination the Client has authorized for that purpose.

11. Reserves, Holds and payout suspension

When we delay or withhold funds

lomi. may delay when funds become available, apply a Reserve, and place a Hold on all or part of the Balance, on specific Charges or on Payouts. lomi. may do so when it reasonably suspects fraud, Invalid Payments, restricted activity, KYC or KYB issues, a high decline, refund, Chargeback or authentication-failure rate, a material change in the Client's business, volume or average transaction size, a country mismatch between the Client and its Customers, generic Payment Links, prepaid or international cards that do not match the stated business, a Payout destination in another country, a request from a Payment Channel Partner or a competent authority, the Client's insolvency or the risk of it, or any other high-risk pattern.

When lomi. applies a Reserve or Hold, it will tell the Client, in the dashboard or by email, the general reason, the amount or percentage concerned, the documents or actions that would resolve the review, and the expected review or release date. lomi. may withhold specific details where disclosure is prohibited by law, would compromise an investigation, or would reveal a Payment Channel Partner's confidential risk criteria.

A Hold may last until lomi. has confirmed the activity with KYB documents, a registry check (including RCCM or NINEA), a bank or acquiring partner, or other evidence the Client provides, and may last through the applicable card-scheme dispute window (today up to 120 days, and longer for certain reason codes). A rolling Reserve applied to a high-risk profile will not exceed ten percent (10%) of processed volume held for one hundred and eighty (180) days unless a Payment Channel Partner requires more or the Client agrees otherwise in writing; the percentage and duration are communicated in writing. No interest is paid on held or reserved funds.

While a Hold or Reserve applies, lomi. may also pause live collection, deactivate Payment Links and refuse new Charges. A submitted Payout instruction is not a right to receive those funds during a Hold or Reserve. The Client may contest a Hold or Reserve by writing to hello@lomi.africa; lomi. will review and answer within seven (7) business days.

12. Restricted activities and compliance

What you may not do with the Services

The Client may not use the Services for any activity that is unlawful in Côte d'Ivoire, in the UEMOA zone, in the Client's country or in the Customer's country, that breaches the Card Network Rules or a Payment Channel Partner's rules, or that is listed in the Acceptable use policy, which is incorporated in these Terms and may be updated from time to time. Some activities require lomi.'s prior written approval and proof of the relevant licence.

Without limiting that policy, the Client shall not use the Services for: money transfer, remittance, hawala, cash-out or any activity whose real purpose is to move funds rather than to sell the Client's own goods or services; collecting payments for a third party, acting as a payment intermediary or sending Payouts to a wallet or bank account that is not the Client's verified business; Payment Links or checkout pages that do not name a real good or service; card testing, mule accounts or high-velocity attempts that do not match a genuine purchase; gambling, adult content, counterfeit goods, IPTV, pyramid or multi-level marketing schemes, unlicensed financial, forex, crypto-asset or lending services, weapons, drugs, deceptive branding, or any activity prohibited by the Card Network Rules, a card acquirer or another Payment Channel Partner.

Sanctions and anti-money-laundering. The Client represents that neither it, nor its beneficial owners, directors or officers, is listed on, owned or controlled by a person listed on, or acting on behalf of a person listed on, a sanctions list of the United Nations, the European Union, the United States (OFAC), the United Kingdom, the UEMOA or Côte d'Ivoire, and that it will not use the Services to deal with such a person or a sanctioned territory. The Client shall disclose its beneficial owners and politically-exposed persons among them, comply with applicable anti-money-laundering and counter-terrorist-financing law, and cooperate with any request from lomi., a Payment Channel Partner or a competent authority, including the Cellule Nationale de Traitement des Informations Financières (CENTIF). lomi. may file suspicious-transaction reports without informing the Client where the law so requires.

This list is not exhaustive. lomi. may place the Client Account under review, suspend collection or Payouts, refuse specific Charges, or terminate the Services without prior notice if it reasonably considers the usage unlawful, deceptive, fraudulent or high-risk.

13. Security, API keys, agents and connected applications

Protecting your account and what happens if it is misused

The Client shall protect its credentials, API keys, webhook secrets and devices, use strong authentication, restrict access to persons who need it, rotate keys when a person leaves or a key may have been exposed, and never publish a secret key in client-side code, a public repository or a prompt. Live keys must be stored server-side. The Client shall notify lomi. at hello@lomi.africa within twenty-four (24) hours of becoming aware of any unauthorized access to its Client Account, keys or systems that touch the Services, and shall cooperate with lomi. in the response.

Everything done with the Client's credentials or keys is attributed to the Client, including actions taken by its employees, contractors, connected applications, plugins, marketplaces, and AI agents or automated tools that hold a key or an OAuth grant (for example through the lomi. MCP server or CLI). The Client is responsible for the instructions those agents send, for reviewing the permissions it grants them, and for revoking them when no longer needed. lomi. is not responsible for losses caused by an agent or application acting on the Client's authority.

Unless caused by lomi.'s own breach of these Terms or its gross negligence, the Client bears all losses resulting from a compromise of its credentials, keys or systems or from any unauthorized use of its Client Account. The Client shall maintain reasonable security measures on its own systems, keep them free of malware, and secure the pages, apps and channels on which it integrates the Services.

The Client shall not attempt to bypass rate limits, probe, scan or test the vulnerability of the Platform without written authorization, interfere with other Clients, reverse-engineer non-open-source parts of the Platform, or use the Platform to build a competing payment service. Responsible disclosure of a security issue to lomi. is welcome.

Blocking access and incidents. The Client may revoke API keys, OAuth grants, staff profiles and active sessions from the dashboard at any time, and may ask lomi. to block its Client Account or a device in an emergency by email to hello@lomi.africa or through the support channels shown in the dashboard. lomi. will inform the Client without undue delay of a major operational or security incident affecting the Platform that is likely to affect the Client's financial interests, together with the measures it recommends.

14. PCI DSS, Card Network Rules and operator rules

Standards that apply to card and mobile-money acceptance

The Client shall comply with the Payment Card Industry Data Security Standard (PCI DSS) to the extent it applies to it. The Client shall not receive, store, process or transmit full card numbers, CVV codes or other card authentication data outside lomi.'s hosted checkout, embedded components or SDKs unless it has demonstrated to lomi. that it is PCI DSS compliant for that scope. The Client shall provide evidence of its compliance status on request.

The Client shall comply with the Card Network Rules and the rules of each mobile-money operator and payment scheme it uses, as they apply to merchants, including rules on descriptors, receipts, surcharges, minimum and maximum amounts, refunds, recurring billing, marketplace and high-risk categories, and the display of scheme marks. lomi. will make the relevant requirements available in the Services Documentation or on request. Where a Card Network Rule or operator rule conflicts with these Terms, the rule prevails for the transaction concerned.

Fines, assessments, penalties and fees that a Card Network, acquirer, operator or other Payment Channel Partner imposes on lomi. because of the Client's transactions, dispute ratio, data breach or non-compliance are passed through to the Client and are payable on demand. The Card Networks and Payment Channel Partners are third-party beneficiaries of this Section and may enforce it directly against the Client to the extent their rules so provide.

The Client authorizes lomi. to share its business information and transaction data with acquirers, Card Networks, operators and other Payment Channel Partners as needed to provide the Services, comply with their rules and answer their inquiries. Card Networks may require lomi. to terminate the Client or restrict its acceptance, and lomi. will comply.

15. Data protection

Roles and obligations for personal data

Each party shall comply with the data-protection law applicable to it, including Côte d'Ivoire Law No. 2013-450 of 19 June 2013 on the protection of personal data and, where applicable, the Regulation (EU) 2016/679. lomi.'s Privacy Policy describes how lomi. processes personal data.

Independent controller. lomi. acts as an independent controller when it processes personal data of the Client's representatives and Customers to provide the payment Services, verify identities, prevent fraud, manage Chargebacks, comply with anti-money-laundering, sanctions, tax and Card Network obligations, and improve the security of the Platform. The Client acts as an independent controller for its own relationship with its Customers.

Processor. Where the Client configures lomi. to collect or store additional Customer data on its behalf (for example custom fields, delivery addresses or customer notes beyond what is needed for the payment), lomi. processes that data as the Client's processor, only on the Client's documented instructions, with appropriate security measures, and will assist the Client with data-subject requests relating to it. Sub-processor categories are listed in the Privacy Policy; lomi. will publish material changes.

The Client shall provide its Customers with the information required by applicable law, including that payments are processed by lomi. and its Payment Channel Partners, shall obtain any consent needed for the data it shares with lomi., and shall not send lomi. special categories of data unless required for the Services. Each party shall notify the other without undue delay, and in any case within seventy-two (72) hours, of a personal-data breach affecting data processed under these Terms, and shall cooperate in the response and in any notification to the Autorité de Régulation des Télécommunications de Côte d'Ivoire (ARTCI) or other competent authority.

16. Confidentiality

Protecting non-public information

Each party (the Receiving Party) shall hold the other party's Confidential Information in strict confidence, protect it with at least the care it applies to its own confidential information and no less than reasonable care, use it only to perform or use the Services, and disclose it only to its employees, Affiliates, advisers and subcontractors who need it and are bound by comparable obligations. lomi. may share the Client's Confidential Information with Payment Channel Partners to the extent needed to provide the Services.

The Receiving Party may disclose Confidential Information when required by law, a court, a regulator, a Card Network or a Payment Channel Partner, provided that, where lawful, it gives the other party prompt notice and discloses only what is required.

These obligations last for the term of these Terms and for five (5) years after their end, and indefinitely for trade secrets and Customer data. On termination each party shall, on request, return or delete the other's Confidential Information, except for copies it must keep by law or under its retention obligations.

17. Intellectual property, licence and publicity

Who owns what and how names may be used

lomi. and its licensors own the Platform, the API, the Services Documentation, and the names, logos and marks lomi., lomi. Pos and every other product name lomi. uses, which are protected as trademarks and trade names whether or not registered, together with all related intellectual property. Open-source components are licensed under their own licences, which prevail for those components. Nothing in these Terms transfers ownership to the Client. The Client shall not register or use a company name, trade name, trademark, domain name or social-media handle that includes or is confusingly similar to a lomi. mark.

Subject to these Terms, lomi. grants the Client a personal, limited, non-exclusive, non-transferable, revocable licence during the term to install and use the API, SDKs, plugins, lomi. Pos and Services Documentation on as many systems and devices as reasonably necessary to use the Services for the Client's own business, and to display the lomi. marks as provided by lomi. at checkout, at the point of sale and in payment communications. The Client shall not remove notices, misrepresent the source of the Services, or use the marks in a way that suggests lomi. endorses the Client's goods or services.

The Client owns its own content, marks and Customer relationships. The Client grants lomi. a non-exclusive licence to use its name, logo, product descriptions and content as needed to provide the Services, including on Payment Links, receipts and the hosted checkout, and to comply with Card Network and Payment Channel Partner requirements.

Data and insights. lomi. may use transaction and usage data in aggregated or de-identified form, so that neither the Client nor any Customer can be identified, to operate, secure and improve the Services, build risk and fraud models, and publish statistics and benchmarks.

Publicity. lomi. may identify the Client as a lomi. customer by name and logo on the hosted checkout it operates for the Client and in customer lists on its website and materials, in a factual way and in line with the Client's brand guidelines if provided. The Client may opt out at any time by email to hello@lomi.africa, and lomi. will remove the reference within thirty (30) days. Any other use, such as a case study or joint announcement, requires the Client's prior written consent.

If the Client sends lomi. suggestions or feedback, lomi. may use them without restriction or compensation.

18. Representations and warranties

What each party promises

Each party represents and warrants that it is duly organized and validly existing, that it has the power and authority to enter into and perform these Terms, and that doing so does not breach any agreement or law binding on it.

The Client represents and warrants, throughout the term, that: the information it provides at sign-up and afterwards is true, complete and current; its business description, KYC and KYB documents and Payment Links are accurate; each Charge corresponds to a real sale of its own goods or services to a Customer who agreed to pay; it holds every licence, permit and registration required for its business; it complies with applicable law, the Card Network Rules, operator rules and the Acceptable use policy; it will not use the Services for a restricted activity; its use of the Services does not infringe third-party rights; and it has obtained every consent needed from its Customers.

lomi. represents and warrants that it will provide the Services with reasonable skill and care and substantially in accordance with the Services Documentation, that it will maintain the security measures described in Section 13 and the Privacy Policy, and that it will maintain its own compliance with the laws, Card Network Rules and Payment Channel Partner requirements that apply to it as a payment processor.

19. Disclaimers and third-party services

Limits of what lomi. promises

Except as expressly set out in Section 18, the Services and the Platform are provided "as is" and "as available", and lomi. disclaims all other warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement and uninterrupted or error-free operation, to the fullest extent permitted by law. lomi. does not warrant that the Services will meet the Client's requirements, that any Charge will be authorized, or that a Chargeback will be reversed.

The Services depend on Payment Channel Partners, telecommunications networks, hosting providers and other third parties that lomi. does not control. lomi. is not responsible for the acts, omissions, outages, delays, limits, rules, fees or decisions of a Payment Channel Partner, a mobile-money operator, a bank, a Card Network, a card acquirer or a telecommunications network, nor for the goods or services of third parties integrated with the Platform (for example e-commerce platforms, messaging services or AI tools). The Client's use of a third-party service is governed by that third party's terms; Tap to Pay and other In-Person Payment tools are also governed by the terms of the device platform and of the Payment Channel Partner that provides the acceptance software.

lomi. does not provide legal, tax, accounting or compliance advice. Information in the Services Documentation about laws, taxes or Card Network Rules is general and may be outdated; the Client remains responsible for its own compliance. lomi. is not a party to, and is not responsible for, the sale between the Client and its Customers or the quality, safety, legality or delivery of the Client's goods and services.

20. Limitation of liability

Caps and exclusions that apply to both parties

Exclusion of indirect loss. To the fullest extent permitted by law, neither party shall be liable to the other, under any theory of liability, for any indirect, incidental, special, consequential, exemplary or punitive damages, or for loss of profit, revenue, business, goodwill, anticipated savings or data, even if advised of the possibility of such loss.

Cap. To the fullest extent permitted by law, the total aggregate liability of each party to the other for all claims arising out of or relating to these Terms or the Services in any twelve-month period shall not exceed the total Fees paid by the Client to lomi. for the Services during the six (6) months immediately preceding the event giving rise to the first claim in that period.

Exceptions. The exclusion and the cap do not apply to: (a) the Client's obligation to pay Fees, Chargebacks, refunds, Invalid Payments, fines and other amounts due under these Terms; (b) either party's indemnification obligations under Section 21; (c) a party's fraud, wilful misconduct or gross negligence; (d) a party's breach of Section 16 (Confidentiality) or Section 15 (Data protection); (e) the Client's breach of Section 12 (Restricted activities) or Section 14 (PCI DSS and network rules); (f) lomi.'s liability for loss of Client funds caused by its own fault under Section 21; or (g) liability that cannot be limited under applicable law, including for death or personal injury caused by negligence.

Time to claim. A party must notify the other of a claim within twelve (12) months of becoming aware of the facts giving rise to it, failing which the claim is waived to the extent the law permits. The Client shall review its dashboard and statements regularly and report any error in a Fee, Payout or Balance within sixty (60) days of the transaction; after that period the entry is deemed accepted, except in case of fraud by lomi. An unauthorized or incorrectly executed payment operation may be notified within the time limit set by the Instruction, currently nine (9) months from the debit date.

The parties acknowledge that the Fees reflect this allocation of risk and that lomi. would not provide the Services on these Fees without it.

21. Indemnification

Who covers third-party claims

By the Client. The Client shall defend, indemnify and hold harmless lomi., its Affiliates, its Payment Channel Partners and each of their officers, directors, employees, agents, successors and assigns from and against any loss, damage, liability, cost and expense (including reasonable legal fees), Chargeback, refund, fine, penalty, assessment, network or partner fee, and any third-party claim or regulatory action arising out of or relating to: the Client's use of the Services; the Client's goods, services, websites, Payment Links, descriptors and Customer communications; the Client's Customers and any dispute with them; fraud on the Client's traffic (including socially engineered or unauthorized instruments); Invalid Payments; the Client's taxes; the acts of the Client's users, AI agents and connected applications; or the Client's breach of these Terms, the Acceptable use policy, applicable law or the Card Network Rules.

By lomi. lomi. shall defend, indemnify and hold harmless the Client from and against third-party claims alleging that the Platform, as provided by lomi. and used in accordance with these Terms, infringes that third party's intellectual property rights, and shall reimburse the Client for loss of Client funds held on the Platform that is caused by lomi.'s own breach of these Terms, fraud or gross negligence, net of any amount the Client owes lomi. lomi. has no obligation for claims arising from the Client's content, the Client's modifications, combinations with products not supplied by lomi., use after lomi. has offered a non-infringing alternative, or open-source components. If the Platform is found to infringe, lomi. may modify it, procure a licence, or terminate the affected Service and refund prepaid Fees for the unused period. This is the Client's exclusive remedy for intellectual-property infringement.

Procedure. The indemnified party shall notify the indemnifying party promptly of the claim, allow it to control the defence and settlement (provided that no settlement imposes an obligation or admission on the indemnified party without its consent), and give reasonable assistance at the indemnifying party's expense. The indemnified party may participate with its own counsel at its own cost.

22. Term, suspension and termination

How the relationship ends and what happens to your funds

These Terms take effect when the Client accepts them and continue until terminated by either party as set out below.

Termination by the Client. The Client may terminate these Terms and close its Client Account at any time and free of charge, from the dashboard or by email to hello@lomi.africa, after settling amounts owed and refunding or completing pending Customer transactions.

Termination by lomi. for convenience. lomi. may terminate these Terms for convenience with thirty (30) days' notice by email and in the dashboard.

Immediate suspension or termination. lomi. may suspend all or part of the Services, freeze the Balance or terminate these Terms immediately, with notice as soon as reasonably possible, where: (a) lomi. reasonably suspects fraud, money laundering, terrorist financing, sanctions breaches or other illegal activity; (b) the Client breaches Section 12 (Restricted activities), Section 13 (Security) or Section 14 (PCI DSS and network rules); (c) the Client's KYC or KYB information is false, expired or cannot be verified; (d) a Payment Channel Partner, a Card Network or a competent authority requires it; (e) the Client's dispute, refund or fraud ratio exceeds the thresholds set by the Card Network Rules or a Payment Channel Partner; (f) the Client becomes insolvent, enters liquidation or a comparable procedure, or ceases business; (g) the Client's use presents an immediate risk of harm to lomi., its partners, Customers or the Platform; or (h) the Client has no verified Payout destination and no activity for twelve (12) months.

Other breaches. For any other material breach, lomi. will give notice describing the breach and allow ten (10) business days to cure it; if the breach is not cured, lomi. may suspend or terminate the Services. Either party may terminate on written notice if the other party materially breaches these Terms and fails to cure within thirty (30) days.

Reasons and review. On the Client's request, lomi. will state the general grounds for a suspension or termination, unless prohibited by law or by a Payment Channel Partner, and will review its decision on receipt of the Client's written explanation and supporting documents, answering within seven (7) business days.

Effects. On termination the Client's licence ends, the Client shall stop using the Services and remove lomi. marks and integrations, live keys are revoked, and Payment Links are deactivated. Pending Charges may be completed or refunded at lomi.'s reasonable discretion. lomi. may hold the Balance for up to one hundred and eighty (180) calendar days after the last transaction to cover Chargebacks, refunds, fines and other amounts that may become due; funds not needed for that purpose are paid out within fourteen (14) days of termination to the verified Payout destination. lomi. may hold funds for longer only for open disputes, an ongoing investigation, or on the instruction of a Payment Channel Partner or a competent authority. Amounts owed by the Client remain due after termination.

Survival. Sections 2, 6 to 11, 14 to 17 and 19 to 28, and every other provision that by its nature should survive, survive termination.

23. Changes to these Terms

How we update this document

lomi. may update these Terms, the Acceptable use policy and the Privacy Policy from time to time. lomi. will give at least two (2) months' notice by email and in the dashboard, on a durable medium, before a change takes effect, in accordance with Article 57 of the Instruction. Changes that only add features, correct errors or are not adverse to the Client may take effect on publication. Where a change is required by law, by a regulator, by a Card Network or by a Payment Channel Partner, or is needed to address a security threat, within a shorter period, lomi. will inform the Client as early as possible and the change takes effect on the date so required.

The Last updated date at the bottom of this page shows when these Terms were last revised. If the Client does not agree to a change, it may terminate these Terms free of charge before the change takes effect; if the Client has not notified its disagreement before the effective date, the change is deemed accepted and continued use of the Services confirms that acceptance. No other modification of these Terms is effective unless made in writing and signed by both parties.

24. Governing law, complaints, disputes and language

Which law applies and where disputes are resolved

These Terms and any dispute arising out of or relating to them or the Services are governed by the laws of the Republic of Côte d'Ivoire, including the uniform acts of OHADA and the regulations of the BCEAO and the UEMOA that apply to payment services, without regard to conflict-of-law rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Complaints. The Client may send any complaint about the Services to hello@lomi.africa or through the support channels shown in the dashboard, with the transaction reference, the date and a description of the issue. lomi. acknowledges complaints within two (2) business days and gives a reasoned answer covering every point raised as soon as possible and at the latest within seven (7) business days of receipt, in accordance with Article 51 of the Instruction. If the Client is not satisfied with the answer, or receives none within that period, it may refer the matter free of charge to the Observatoire de la Qualité des Services Financiers of Côte d'Ivoire for mediation, or lodge a complaint with the Commission Bancaire de l'UMOA; lomi. provides their contact details on request. Referral to the Observatoire or to another out-of-court body precludes a later complaint on the same matter to the Commission Bancaire.

Amicable resolution. Before starting court proceedings, a party shall notify the other in writing of the dispute, and the parties shall try in good faith to resolve it within thirty (30) days of that notice, including through a meeting of their representatives.

Jurisdiction. Failing amicable resolution, any dispute shall be submitted to the exclusive jurisdiction of the Tribunal de Commerce d'Abidjan, Côte d'Ivoire, and the courts competent to hear appeals from it. Notwithstanding the foregoing, lomi. may seek urgent, interim or injunctive relief, or recovery of amounts owed, before any competent court, and nothing in this Section prevents a party from making a complaint to a competent regulator.

Language. These Terms are drafted in French. The English, Spanish and Chinese versions are convenience translations. In case of conflict or ambiguity, the French version prevails and governs the interpretation of the Terms. Notices and proceedings may be conducted in French.

25. Notices

How the parties communicate

lomi. may give notices to the Client by email to the address on the Client Account, by a message in the dashboard, by SMS or WhatsApp to the phone number on file for urgent security or risk matters, or by publication on lomi.africa for changes of general application. Notices are deemed received when sent by email or posted in the dashboard, or on publication. The Client shall keep its contact details current and check its dashboard regularly.

Notices to lomi. shall be sent by email to hello@lomi.africa and, for formal legal notices, also by registered letter or courier to lomi. Technologies Africa S.A., Cocody, Les Perles, Rue 01012 L82/375, Abidjan, Côte d'Ivoire, marked "Legal". Legal notices to lomi. are effective on receipt.

The Client agrees to receive all contractual and transactional communications electronically, including receipts, statements, invoices, notices of Chargebacks, Holds and Reserves, and changes to these Terms, and confirms that it can access and keep them.

26. General provisions

Assignment, severability, force majeure and other terms

Assignment. The Client may not assign or transfer these Terms or any right under them without lomi.'s prior written consent; a change of control of the Client is treated as an assignment and must be notified within ten (10) business days. lomi. may assign these Terms to an Affiliate or to a successor in a merger, acquisition or sale of assets, with notice to the Client.

Subcontracting. lomi. may use Affiliates, Payment Channel Partners and other subcontractors to provide the Services and remains responsible for their performance to the extent set out in these Terms.

Independent contractors. The parties are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, franchise, fiduciary or employment relationship, and neither party may bind the other.

Non-exclusivity. These Terms are not exclusive. The Client remains free to use other payment service providers, and lomi. remains free to serve other businesses, including competitors of the Client.

No joint accounts. A Client Account belongs to a single legal entity or business; lomi. does not offer joint Client Accounts. Several users may be invited to the same organization under the Client's responsibility.

Force majeure. Neither party is liable for a failure or delay caused by events beyond its reasonable control, including acts of God, epidemic, war, terrorism, civil unrest, strike, government action, failure of a Payment Channel Partner, telecommunications or power network, internet disruption, or a cyber-attack that reasonable security measures could not prevent, provided it uses reasonable efforts to mitigate and resume performance. This does not excuse the payment of amounts already due.

Severability and waiver. If a provision is held invalid or unenforceable, it is enforced to the maximum extent permitted and the remainder stays in force. A party's failure or delay in exercising a right is not a waiver of it.

Entire agreement. These Terms, with the documents listed in Section 1, are the entire agreement between the parties about the Services and replace all prior agreements and understandings on that subject. Terms in the Client's purchase orders or vendor forms do not apply.

Records and evidence. The parties agree that electronic records kept by lomi., including logs of API calls, dashboard actions, acceptance of these Terms and transaction data, are admissible evidence of the facts they record, subject to proof of the contrary.

No third-party rights. Except as provided in Section 14 for Card Networks and Payment Channel Partners, no person other than the parties and their permitted assigns has any right under these Terms.

Headings and interpretation. Headings are for convenience only. "Including" means "including without limitation". Business days are days other than Saturdays, Sundays and public holidays in Côte d'Ivoire.

27. Risks inherent to the Services and prudence measures

What can go wrong and how to protect yourself

Accepting payments online and in person exposes the Client to risks that lomi. can reduce but not eliminate, including: payment fraud (stolen cards or wallets, social engineering, account takeover, fake payment confirmations); Chargebacks and disputes raised by Customers; compromise of the Client's own systems, credentials, API keys or devices; erroneous Payout or refund instructions to a wrong identifier, which may be irrevocable; unavailability or delay of a Payment Channel Partner, a telecommunications network or the Platform; regulatory non-compliance of the Client's own activity; and currency and settlement-timing effects.

The Client undertakes to observe at least the following prudence measures: use strong, unique passwords and multi-factor authentication and never share credentials or PINs; keep secret keys server-side and rotate them; give each employee a personal profile with the minimum role needed and remove it when the person leaves; check the dashboard and statements regularly and report anomalies promptly; verify orders that are unusual in amount, destination or velocity before delivery; deliver goods only after payment is confirmed on the Platform; keep proof of delivery, contracts and Customer communications for at least the Chargeback window; verify Payout and refund destinations before confirming them; keep devices updated and use lomi. Pos only on trusted devices; and follow the security guidance in the Services Documentation.

In case of loss, theft or compromise of a device, an API key or credentials, the Client shall immediately revoke the affected access from the dashboard and notify lomi. as set out in Section 13. Customers who lose a payment instrument or notice an unauthorized payment must contact the issuer of their card, bank account or mobile-money wallet without delay to block it; lomi. cooperates with issuers and Payment Channel Partners in such cases.

28. Paying customers

If you are paying a business that uses lomi.

If you are paying a business through a lomi. checkout, Payment Link or plugin, your contract for the goods or services is with that business, not with lomi. The business is responsible for what it sells, for delivery, for refunds and for its own terms and privacy policy. lomi. processes the payment on the business's behalf through its Payment Channel Partners.

For questions about an order, a refund or a subscription, contact the business first; its contact details appear on your receipt and on the checkout page. If you believe a payment was unauthorized or the business does not respond, you may contact lomi. at hello@lomi.africa with your receipt reference, and you keep your rights to contest the payment with your card issuer, bank or mobile-money operator.

lomi. processes your personal data as described in its Privacy Policy. You may cancel a recurring payment through the business or, where the business does not respond, by contacting lomi. By paying through lomi. you agree not to use the checkout for a fraudulent, unauthorized or unlawful payment.

Last updated: September 8, 2026