Terms & Conditions

online web builder

Liglo is inter alia engaged in the business of providing aggregator services to various merchants and business users, offering them a single unified QR code for acceptance of push payments through third party UPI apps and/or net-banking.

In connection therewith, subject to and on the terms and conditions set out herein, Liglo has agreed to provide the Liglo Services (defined hereinafter) to you (the merchant/ the user) and you, hereby, agree to avail the Liglo Services.  


1.1 “Customer” means any person who contracts with you for purchase of goods and/or services and makes a payment or remittance thereunder.

1.2 “Customer Payment Amount” means the amount paid by the Customer to you, using the Service, for purchase of any goods and/or services.

1.3 "Merchant Services" the services or products provided by you to your Customer/s, the remittance/payment for which is to be made through the Customer's valid accounts / Card/s or bank account, using Liglo Services.

1.4 “Processing Mechanism” means the payment mechanism through the internet or such other mode of payment and delivery as may be notified by Liglo from time to time, including but not limited to Immediate Payment Service (IMPS), National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS) and/or UPI (defined hereinafter).

1.5 "Transaction" shall mean a financial transaction conducted by the Merchant through Liglo Services.

1.6 "UPI" means the Unified Payment Interface. It is a payment system that powers multiple bank accounts into a single payment network of any participating banks which permits merging several banking features, seamless fund routing & merchant payments into one hood.  


2.1 You expressly acknowledge and agree that: (i) you are a legal person; (ii) you are capable of entering and authorized to enter into a legally binding agreement; (iii) your employees, officers, representatives, and other agents accessing Liglo are duly authorized to access the Liglo Service and to legally bind you to these terms and all actions; (iv) all registration information you submit is accurate and truthful; (v) you will maintain the accuracy of such information; (vi) you are not barred or otherwise legally prohibited from accessing or using Liglo's services under the laws of Kenya; (vii) you are an entity duly constituted and validly existing under Kenyan law, (viii) expressly acknowledges and agrees that use of the Liglo Services is permitted only for those who are physically located in Kenya at the time of registration, linking to any offering forming part of the Liglo Services and processing/undertaking a Transaction.

2.2 To avail the Liglo Services, you should be business entity holding an active Kenyan mobile number and bank account.


3.1 Liglo has developed and is the owner of certain software which enables processing payment services and Transactions through Processing Mechanism for automated acceptance of payments (“Liglo Services”). Liglo Services include a dashboard service, an API service and such other value added services as may be notified by Liglo from time to time at its sole discretion.

3.2 The scope of Liglo Services, including the terms of use, is subject to amendments from time to time, which shall be notified to you upon any material amendments being implemented. Without prejudice to the generality of the foregoing, Liglo shall be entitled to undertake enhancements for customer experience and transaction security in its absolute discretion. For the avoidance of any doubt, it is clarified that enhancements may also be in the nature of optimisation procedures, both manual and machine learning based, for different modes of payments in order to improve the payment performance.

3.3 You acknowledge that it shall be required to provide up to date, correct and accurate information, including its mobile number registered with the relevant bank, email address, and any other information, details as maybe required by Liglo from time to time.

3.4 You undertake not to access or attempt to access the Liglo Services by any means other than through the interface that is provided by Liglo and in the manner permitted thereby. You specifically undertake not to access or attempt to access the Liglo Services through any automated means (including by use of scripts or web crawlers).


4.1 In consideration of and subject to payment of the Liglo Fees, Liglo has agreed to make available the Liglo Services to you as per these Terms and Conditions as specified in Annexure A.

4.2 Quoted Liglo Fees is exclusive of any applicable taxes, all of which shall be the liability of and charged to you.

4.3 Liglo shall be entitled, without exception and at its discretion, to deduct from any payments to be made to you, all outstanding Liglo Fees and any taxes.


5.1 By accepting these Terms and Conditions, you expressly authorise Liglo to hold, receive, disburse and settle funds on your behalf. Such authorisation shall permit Liglo to receive Customer Payment Amounts pursuant to a Transaction into a Liglo’s account (Delivery Versus Payment) to further process each Transaction. Liglo shall process and transfer such payments received by it to the bank account designated by you for this purpose at the time of registration (“Merchant Account”). The authorization provided herein under shall remain in full force and effect until specifically terminated.

5.2 Liglo shall initiate transfer of the relevant Customer Payment Amount received by it to the respective Merchant Account within T (such) banking days as per annexure A (‘T’ being the date of a successful Transaction and banking days being days on which private banks are open for business in New Delhi) from the date of receipt of the relevant Customer Payment Amount, after deduction of Liglo Fees and charges as agreed under these Terms and Conditions. For clarity, you acknowledge that Liglo shall be liable to settle Customer Payment Amounts only upon actual receipt thereof.


6.1 You hereby represent, warrant and covenant with Liglo that:

6.1.1. all information submitted by you to Liglo is and shall during the tenure of the engagement be maintained as true, correct and accurate in all respects;

6.1.2. you are not barred or otherwise prohibited from accessing or using Liglo Services in any manner;

6.1.3. you are and shall, during the tenure of this engagement, remain at all times the legal and beneficial owner of the Merchant Account and keep all details thereof up to date;

6.1.4. all goods and/or services provided by you to a Customer shall be lawfully sold/provided and that you shall not sell/ provide products that are or may be perceived as illegal, offensive or prohibited and such other Services in Annexure B;

6.1.5. you shall not impersonate any person or entity, falsely claim or otherwise misrepresent an affiliation with any person or entity, or access the accounts of others without permission, forge another person’s digital signatures or perform any other fraudulent activity;

6.1.6. you shall promote Liglo Services at your place of business and website;

6.1.7. you shall promptly provide all information and assistance as may be required by Liglo from time to time in dealing with requests or queries of any governmental authority or judicial/quasi-judicial authorities;

6.2 You agree to provide KYC information and details to Liglo, in electronic and physical form as may be required by Liglo.

6.3 You authorise Liglo to read and access messages on the device utilising the Liglo Services for retrieval and use for the enhancement of Liglo’s services.

6.4 You understand that the QR Code which shall be generated by Liglo for it is unique and specific to you and that you shall at all times maintain the secrecy of this QR Code. Specifically, you agree and acknowledge that Liglo shall not be liable in any manner whatsoever for any negligence or misuse of the QR Code by you or your agents, employees, representatives or Customers.

6.5 You agree and understand that at the time of registration with Liglo, a username and password shall be generated which is enable you to access your unique and personal dashboard on Liglo interface and view Transactions. You shall not share the username and password with other persons and acknowledge that such sharing shall cause irreparable harm to Liglo and that you shall be liable to indemnify Liglo for any loss or damage suffered as a result of any unauthorised use.

6.6 Liglo shall provide you details of Transactions through a personal dashboard on Liglo interface and you shall determine if there are any errors or unauthorised Transactions, and intimate Liglo in writing of the same.

6.7 you shall deliver goods/services immediately to Customers upon receiving the confirmation of payment;

6.8 you have appointed Liglo as a collection agent for payments to be received by it;

6.9 It is agreed that Liglo shall be entitled to rely upon all electronic communications, orders or messages sent to Liglo through the Processing Mechanism in processing the Transactions. Liglo shall not be obligated to verify or make further inquiry into the identity of the sender, or integrity of any communications. Liglo shall not be responsible for any losses sustained through the use of stolen or hacked devices or fraudulent electronic transactions.


7.1 Each Party acknowledges that, pursuant to these Terms and Conditions, it may have access to certain confidential information of the other Party and accordingly, each receiving Party agrees not to disclose to any third party any confidential information of a disclosing Party.

7.2 You shall ensure that no person who has access to any Liglo Services shall reverse engineer, decompile or disassemble any software shared/disclosed by Liglo, or write or develop any derivative software or any other software program based thereon.

7.3 Liglo shall exclusively retain all worldwide rights, title and interest in and to the Liglo Services (including without limitation ownership of all intellectual property rights therein and to the Processing Mechanism enabled by Liglo and software related thereto). You understand and agree that the customizations, if any, carried out for and on behalf of you shall be intellectual property rights of Liglo and that you can only use such additional modifications/ amendments during the term of the engagement.


8.1 You hereby undertake and agree to indemnify and hold harmless Liglo against all actions, proceedings, claims, penalties, demands and costs (including without limitation, legal costs of Liglo), awards, damages, losses, liabilities and/or expenses, however arising out of or in connection with:

6.1.1. any claim of or proceeding brought by a Customer in relation to product and/or service offered or sold by you; and

8.1.2. any negligence by you or any of your agents, employees, licensees, contractors or Customers;

8.1.3. a breach of any term or condition mentioned herein, by you or any inaccuracy of a representation or warranty given by you hereunder;

8.1.4. a breach of applicable laws.


9.1 Unless otherwise required by applicable law, all Transactions processed through Liglo Services are non-refundable. Liglo is not a party to and shall not be responsible for any disputes, chargebacks or reversals amongst you and a Customer. Notwithstanding anything contrary contained in these Terms and Conditions, Liglo shall not be liable to you or any Customer for any special, indirect, incidental or consequential damages arising in connection with these Terms and Conditions or otherwise.

9.2 For any proven claims of any nature whatsoever, the total liability of Liglo shall never exceed Liglo Fees for a 7 (seven) day period immediately preceding from the date of the relevant claim or demand.


10.1. Except as expressly provided herein, Liglo disclaims all warranties, responsibilities, express or implied, written or oral, including but not limited towards warranties of merchantability, any service interruptions (including on account of communication outages, system failures or other interruptions that may affect the receipt, processing, acceptance, completion or settlement of Transactions) and fitness of Liglo Services and it does not warrant that the functions contained in Liglo Services shall be uninterrupted or error free.

10.2. Use of Liglo Services in no way represents any endorsement of you by Liglo. Liglo is not obligated to mediate disputes between Customers and Merchants or between a Customer and you or any payment system participants.


11.1. Liglo and its partners reserve the right and shall be entitled to suspend the services immediately, including withholding, rejecting the settlements that is or may be suspicious, susceptible or fraudulent or for risk management purposes, pending inquiry and/or resolution of such issue, including any breach of these Terms and Conditions.

11.2. Termination of these Services shall not release any Party from the obligation to make payment of all amounts then due and/or payable; upon Termination both Parties shall settle all outstanding dues payable to the other Party.


12.1. Should either Party hereto be delayed in or prevented, in whole or in part, from performing any obligation or condition hereunder, or from exercising its rights by reason or as a result of any force majeure, such party shall be excused from performing such obligations or conditions while such party is so delayed or prevented. The term "force majeure" as used herein means acts of God, acts of government, acts of terrorism, strikes, lockouts, or other industrial disturbances, acts of a public enemy, blockades, wars, insurrections or riots, terrorism, epidemics, landslides, fires, storms, floods, explosions, technological failures, breaches, hacks, system vulnerabilities or incompatibilities, or other similar causes beyond the control of such party.


13.1. These Terms and Conditions shall be governed by and construed in accordance with the laws of Kenya.

13.2. Any difference, dispute, conflict or controversy, including any question as to its existence, validity or termination, arising out of or in connection with these Terms and Conditions (“Dispute”) shall, if not amicably settled within 30 (thirty) days after the receipt by one Party of a written notice from the other Party of the existence of such Dispute, be referred to and resolved in accordance with the Arbitration and Conciliation Act, 1996 by a sole arbitrator duly appointed by Liglo. The seat and venue of arbitration shall be Nairobi and the arbitration shall be conducted in English. The award of the arbitrator shall be final and binding upon the Parties. Each Party shall bear its own cost of arbitration.

13.2. The Courts at Nairobi shall have sole and exclusive jurisdiction over any matters related to these Terms and Conditions.


14.1. Cooperation. You acknowledge that your timely provision of access to your systems and various devices, as well as assistance, processes, cooperation, complete and accurate information and data from your officers, agents, and employees and suitably configured hardware and software are essential to performance of any Liglo Services. You shall allow Liglo to audit and inspect business processes followed by you related to Liglo Services and suggest suitable changes thereto.

14.2. Commercial Communication. You acknowledge that you may receive communication over voice calls and messages regarding Liglo Services, and products, and such other promotional communications. You unconditionally consent that such communications are:

• upon your request and authorization;

• not 'unsolicited commercial communications' as per the guidelines of Telecom Regulation Authority of Kenya (TRAI);

• in compliance with the relevant guidelines of TRAI or such other authority.

14.3. Independent contractors. Nothing in these Terms and Conditions shall be deemed to constitute either Party a partner, agent or legal representative of the other Party, or to create any fiduciary relationship between the Parties.

14.4. Severability. It is the intent of the Parties that in case any one or more of the provisions contained in these Terms and Conditions shall be held to be invalid or unenforceable in any respect, such provision shall be modified to the extent necessary to render it, as modified, valid and enforceable under applicable laws and such invalidity or unenforceability shall not affect other provisions of these Terms and Conditions.

14.5. Notices. Notices to be issued pursuant to these Terms and Conditions shall be delivered to the registered address of the relevant Party as first mentioned herein, or such other address as may be notified by the relevant Party (such change to address shall come into effect 5 (five) business days after delivery thereof).


LIGLO FEES (exclusive of Taxes)

Liglo shall charge fixed commission on transactions, represented herein as “Liglo Fees” as per the table below. Liglo may revise the Liglo Fees at its sole discretion with prior notice of 15 days. Continued usage of Liglo Services post notice of revision shall be deemed as acceptance of revised Liglo Fees.


Prohibited Services

1. Adult goods and services which includes pornography and other sexually suggestive materials (including literature, imagery and other media); escort or prostitution services; Website access and/or website memberships of pornography or illegal sites;

2. Alcohol which includes alcohol or alcoholic beverages such as beer, liquor, wine, or champagne;

3. Body parts which includes organs or other body parts;

4. Bulk marketing tools which includes email lists, software, or other products enabling unsolicited email messages (spam);

5. Cable descramblers and black boxes which includes devices intended to obtain cable and satellite signals for free;

6. Child pornography which includes pornographic materials involving minors;

7. Copyright unlocking devices which includes Mod chips or other devices designed to circumvent copyright protection;

8. Copyrighted media which includes unauthorized copies of books, music, movies, and other licensed or protected materials;

9. Copyrighted software which includes unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software;

10. Counterfeit and unauthorized goods which includes replicas or imitations of designer goods; items without a celebrity endorsement that would normally require such an association; fake autographs, counterfeit stamps, and other potentially unauthorized goods;

11. Drugs and drug paraphernalia which includes illegal drugs and drug accessories, including herbal drugs like salvia and magic mushrooms;

12. Drug test circumvention aids which includes drug cleansing shakes, urine test additives, and related items;

13. Endangered species which includes plants, animals or other organisms (including product derivatives) in danger of extinction;

14. Gaming/gambling which includes lottery tickets, sports bets, memberships/ enrolment in online gambling sites, and related content;

15. Government IDs or documents which includes fake IDs, passports, diplomas, and noble titles;

16. Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, website, or other protected property;

17. Illegal goods which includes materials, products, or information promoting illegal goods or enabling illegal acts;

18. Miracle cures which includes unsubstantiated cures, remedies or other items marketed as quick health fixes;

19. Offensive goods which includes literature, products or other materials that:

        • Defame or slander any person or groups of people based on race, ethnicity, national                    origin, religion, sex, or other factors;

        • Encourage or incite violent acts;

        • Promote intolerance or hatred.

20. Offensive goods, crime which includes crime scene photos or items, such as personal belongings, associated with criminals;

21. Pyrotechnic devices, combustibles, corrosives and hazardous materials which includes explosives and related goods; toxic, flammable, and radioactive materials and substances;

22. Regulated goods which includes air bags; batteries containing mercury; Freon or similar substances/refrigerants; chemical/industrial solvents; government uniforms; car titles; license plates; police badges and law enforcement equipment; lock-picking devices; pesticides; postage meters; recalled items; slot machines; surveillance equipment; goods regulated by government or other agency specifications;

23. Securities which includes government bonds or related financial products;

24. Tobacco and cigarettes which includes cigarettes, cigars, chewing tobacco, and related products;

25. Traffic devices which includes radar detectors/jammers, license plate covers, traffic signal changers, and related products;

26. Weapons which includes firearms, ammunition, knives, brass knuckles, gun parts, and other armaments;

27. Wholesale currency which includes discounted currencies or currency exchanges;

28. Live animals or hides/skins/teeth, nails and other parts etc. of animals;

29. Multi-Level Marketing collection fees;

30. Matrix sites or sites using a matrix scheme approach;

31. Work-at-home approach and/or Work-at-home information;

32. Drop-shipped merchandise;

33. Any product or service which is not in compliance with all applicable laws and regulations whether federal, state, local or international, including the laws of Kenya;

34. The Merchant providing services that have the potential of casting the Payment Gateway Facilitators in a poor light and/or that may be prone to Buy & Deny attitude of the cardholders when billed (e.g. Adult material/ Mature content/Escort services/ friend finders) and thus leading to chargeback and fraud losses;

35. Businesses or website that operate within the scope of laws which are not absolutely clear or are ambiguous in nature (e.g. Web-based telephony, Website supplying medicines or controlled substances, website that promise online match-making);

36. Businesses out rightly banned by law (e.g. Betting & Gambling/ publications or content that is likely to be interpreted by the authorities as leading to moral turpitude or decadence or incite caste/communal tensions, lotteries/sweepstakes & games of chance;

37. The Merchant who deal in intangible goods/ services (eg. Software download/ Health/ Beauty Products), and businesses involved in pyramid marketing schemes or get-rich-quick schemes. Any other product or Service, which in the sole opinion of Liglo, is detrimental to the image and interests of Liglo, as communicated by either of them/ both of them to the Merchant from time to time. This shall be without prejudice to any other terms & conditions mentioned in this Agreement;

38. Bulk marketing tools which includes email, lists, software, or other products enabling unsolicited email messages (spam);

39. Web-based telephony/ SMS/Text/Facsimile services or Calling Cards. Bandwidth or Data transfer/ allied services. Voice process /knowledge process services; and

40. Mailing lists

41. Virtual currency or credits that can be monetized, re-sold or converted to physical or digital goods or services or otherwise exit the virtual world.

42. Money laundering services.

43. Database providers (for tele-callers).

44. Bidding/Auction houses.

45. Firms promoting business opportunities, investment opportunities and mortgages

Phone: +254 738 592 469

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