Terms of service

1. Who we are

AbePay is operated by ABEPAY LIMITED, a company registered in Kenya (“AbePay”, “we”, “us”). Contact: support@abepayy.com.

2. What AbePay does

AbePay lets you move money between your mobile money account (or crypto wallet) and your Deriv account. AbePay is a payment service. It is not a broker, does not offer trading, and does not give investment advice. Your Deriv account is governed by Deriv’s own terms.

3. Your account

• You must be 18 or older and use your own phone number and your own accounts.
• Keep your password, PIN and one-time codes private. AbePay staff will never ask you for them.
• You are responsible for activity on your account until you tell us it has been compromised.

4. Deposits and withdrawals

• The exchange rate and amount are shown before you confirm each transaction. See Fees & rates.
• Deposits are credited once the payment has been independently verified with the mobile money operator.
• Withdrawals are paid to the mobile money number on your account. Check the number carefully; a payment sent to the right number as instructed cannot be recalled by us.
• Minimum and maximum amounts apply and are shown in the app. We may delay or decline a transaction that looks unusual, and may ask you to confirm it.
• Mobile money providers and networks can be slow or unavailable. Their delays are outside our control, but we will help you follow up.

5. Things you must not do

• Use AbePay for fraud, money laundering, or any unlawful purpose.
• Use someone else’s account, number or identity.
• Try to interfere with, reverse-engineer or overload the service.

We may suspend or close accounts that break these rules, and report suspicious activity to the authorities where the law requires.

6. Partners

Website owners who join the partner programme earn commission on transactions made through their link, subject to review and approval of payouts by AbePay. Partners must not mislead users about AbePay or about how the service works.

7. Our responsibility

We take reasonable care to run AbePay securely and reliably. We are not liable for losses caused by events outside our reasonable control (for example a mobile money outage), by trading losses on your Deriv account, or by your sharing your credentials. Nothing in these terms limits liability that cannot be limited by law.

8. Your data

How we handle your information is explained in our Privacy policy.

9. Complaints

See how to raise and escalate a problem on our Complaints page.

10. Changes and governing law

We may update these terms and will show the date above. Continuing to use AbePay after a change means you accept it. These terms are governed by the laws of Kenya.