Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the payWolf mobile application, websites and payment services (together, the “Services”), operated by payWolf (“payWolf”, “we”, “us” or “our”).

Together with our Privacy Policy and any product-specific terms we show you, they form a binding agreement between you and payWolf. If you do not agree with them, you may not use the Services.

In these Terms:

• “Account” is your registered payWolf profile.
• “Wallet” is the electronic balance held in your Account.
• “Services” are the payWolf app, websites and related payment features.
• “User” / “you” is the person who opens or uses an Account.
• “Transaction” is any top-up, transfer, payment, request or withdrawal made through the Services.

To use payWolf you must be at least 18 years old, have the legal capacity to enter into a binding contract, and not be prohibited from using the Services under any applicable law or sanctions programme. By using payWolf you confirm that you meet these requirements and that the information you give us is true, accurate and complete.

You must register an Account to use the Services and keep your details accurate and up to date. Each person may hold one Account unless we agree otherwise.

You are responsible for keeping your credentials, device and authentication factors secure, and for all activity carried out through your Account. Tell us at once, through the app or at legal@paywolf.global, if you suspect any unauthorised access.

payWolf will operate as a payment service subject to Algerian financial regulation, so we must verify your identity and monitor activity to prevent money laundering, terrorist financing, fraud and other financial crime, in line with Algerian Law No. 05-01 on the prevention of and fight against money laundering and the financing of terrorism, as amended, and related regulations.

You agree to give us the information and documents we ask for, and you accept that we may refuse, delay, suspend or reverse a Transaction, or restrict or close an Account, where we reasonably consider it necessary to meet our legal obligations.

payWolf lets you hold a balance in your Wallet and use it to top up, send and request money, pay by QR code, and withdraw funds to eligible accounts. The Wallet is an electronic payment balance; it is not a bank deposit and does not earn interest. We hold and safeguard user funds as required by applicable payment regulation.

We may add, change or remove features, and set conditions for particular features, at any time.

You can add money to your Wallet, send it to other users, pay merchants, and withdraw it to eligible bank, CCP or mobile accounts using the methods offered in the app. Transactions are usually processed instantly, but some may be delayed for security, verification or compliance review.

You are responsible for making sure you have enough balance and that the details of every Transaction — including the recipient — are correct before you confirm.

Once you confirm a Transaction, we treat it as authorised. Transfers between users are typically immediate and may be irreversible. We cannot guarantee the recovery of funds sent to the wrong recipient because of an error on your part, though we will make reasonable efforts to help where we can.

Any fees that apply to a Transaction are shown clearly before you confirm it. We may introduce or change fees from time to time; changes take effect once published in the app or otherwise notified to you, and continuing to use the Services means you accept them.

We may set and vary limits on Transactions, balances and withdrawals, and we may monitor activity to protect users and comply with the law. Where we reasonably suspect fraud, a breach of these Terms, or a legal or regulatory risk, we may hold funds, decline or reverse a Transaction, or ask for more information before proceeding.

You agree not to use payWolf to:

• break any applicable law or regulation;
• commit or facilitate fraud, money laundering or terrorist financing;
• pay for or deal in illegal goods or services;
• impersonate anyone or provide false information;
• gain unauthorised access to the Services or interfere with their operation; or
• use the Services in a way that harms payWolf, its users or third parties.

We may act, including suspending or closing your Account, if you breach this section.

You may close your Account at any time, subject to settling any pending Transactions and to records we must keep by law.

We may suspend, restrict or end your access to the Services — with notice where reasonably possible, and immediately where necessary — if you breach these Terms, if the law requires it, or to protect users, payWolf or the payment system. On termination we will make any remaining balance available to you as the law requires, less any amount we are entitled to retain.

payWolf, its name, logo, software, designs and content are owned by payWolf or its licensors and protected by intellectual-property law. We grant you a limited, personal, non-exclusive, non-transferable and revocable licence to use the app for its intended purpose. You may not copy, modify, reverse-engineer, resell or otherwise exploit any part of the Services except as expressly permitted.

The Services rely on third parties — including banks, payment partners, identity providers and app stores. Your use of those services may be subject to their own terms, and we are not responsible for their acts, omissions, products or content. Nothing here affects any mandatory rights you have against those third parties.

We work hard to keep the Services available and reliable, but we provide them on an “as is” and “as available” basis. We do not warrant that the Services will be uninterrupted, error-free or always available, and we may suspend them for maintenance, security or legal reasons. To the extent permitted by law, we exclude all warranties not expressly set out in these Terms.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, including for fraud or for death or personal injury caused by our negligence.

Subject to that, payWolf is not liable for indirect, incidental, special or consequential loss, or for loss of profit, data or goodwill, arising out of or in connection with the Services, and our total liability is limited to the extent permitted by law. These Terms do not affect the statutory rights of consumers.

You agree to indemnify payWolf against reasonable losses, damages and costs arising from your breach of these Terms, your misuse of the Services, or your violation of any law or of a third party's rights, to the extent permitted by applicable law.

These Terms are governed by the laws of the People's Democratic Republic of Algeria, and the competent Algerian courts have jurisdiction over any dispute, without prejudice to any mandatory consumer-protection rights you have where you live. Please contact us first so we can try to resolve any issue directly.

We may update these Terms as the Services evolve; we will tell you about material changes, and continued use after they take effect means you accept them. If any provision is unenforceable, the rest stays in force. These Terms may be provided in Arabic, French and English; in case of conflict, the Arabic version prevails unless the law that applies to you requires otherwise.

For any question about these Terms, contact legal@paywolf.global.