Terms of Service

1. Agreement

These Terms of Service ("Terms") govern your access to and use of enzaglobal.org and the enza payments infrastructure platform (the "Service"), operated by enza LLC ("the Company") (Smart Village, Building B12, KM 28 Cairo-Alexandria Road, Cairo 11511, Egypt). Via REST API, the Service provides card acceptance, clearing, settlement, and AI fraud detection to banks, fintechs, and licensed payment service providers across Africa. Using the Service means you accept these Terms. They do not limit statutory rights under the laws of your country of residence or regulatory authorization jurisdiction.

2. Eligibility and Use of the Service

The Service is for organizations with the regulatory authorization required to provide payment processing, card acceptance, or related financial services in the jurisdictions where they operate. By using the Service, you confirm that your organization has that authorization.

• You must not use the Service unlawfully, contrary to applicable payment scheme rules, or in violation of regulations issued by an African central bank or financial supervisory authority relevant to your operations.
• You must not disrupt the Service or its security, or seek unauthorized access to any platform component or infrastructure.
• Do not scrape, reverse-engineer, or copy the Service or its AI fraud models, unless mandatory law permits it.
• Your organization's API credentials are confidential. You are responsible for all activity using them and must promptly notify the Company if they are compromised.

3. Intellectual Property

The Company or its licensors own the Service, including the enza platform, API design, fraud detection models, documentation, and related software. Egyptian and international intellectual-property law protects them. The Company gives you a limited, non-exclusive, non-transferable licence to use the Service as intended for payment transaction processing and related operations for your authorized business.

4. Client Data and Transaction Processing

You are responsible for data submitted through the Service and for using it in compliance with applicable data protection and financial services law in your jurisdiction. You grant the Company a limited licence to process that data only to provide and operate the Service, including fraud detection model inference. The Company does not use your transaction data to train machine learning models unless a separate, explicit written agreement permits it.

5. Fraud Detection Disclaimer

The enza fraud detection model supplies risk scoring as a technical service. The client may configure fraud thresholds, but the model does not assure zero fraud losses. The Company is not liable for fraudulent transactions that pass scoring, including those below a client-set threshold or involving fraud patterns absent from the model's training data.

6. Disclaimers

The Service is offered "as is" and "as available." To the fullest extent allowed by applicable law, the Company excludes all warranties, including merchantability, fitness for a particular purpose, and uninterrupted availability. Mandatory consumer warranties in your country of residence remain unaffected.

7. Limitation of Liability

To the fullest extent allowed by applicable law, the Company's aggregate liability for a claim arising from or connected with the Service is limited to the fees you paid the Company in the three months before the claim, except where mandatory law prohibits limitation. The Company will not be liable for indirect, consequential, or punitive damages arising from Service use.

8. Indemnification

You agree to indemnify and hold harmless the Company against claims, losses, and expenses, including reasonable legal fees, resulting from your use of the Service contrary to these Terms, breach of applicable payment scheme rules or regulatory requirements, or infringement of a third-party right.

9. Termination

The Company may suspend or end your Service access for a material breach of these Terms, including unauthorized API credential use, breach of applicable financial services regulation, or non-payment. Terms that should logically continue after termination will do so, including intellectual property, limitation of liability, and governing law provisions.

10. Governing Law and Jurisdiction

These Terms are governed by the laws of Egypt. Disputes connected with or arising under them fall within the non-exclusive jurisdiction of the competent courts in Cairo, Egypt. This does not prejudice mandatory rights under the laws of your country of residence or the jurisdiction of your regulatory authorization.

11. Changes and Contact

The Company may revise these Terms. Material revisions will be posted with a new "Last updated" date. If you continue using the Service after notice of a material revision, you accept the revised Terms.

enza LLC
Smart Village, Building B12
KM 28 Cairo-Alexandria Road
Cairo 11511, Egypt
Email: [email protected]
Phone: +20 2 3535 4180