Terms & Conditions

1. Introduction

Bayyy is a platform that facilitates secure payments, withdrawals, and financial services. Bayyy is not a bank, and we do not provide banking or deposit-taking services. By using our services, you agree to these Terms and Conditions.

2. Eligibility

You must be at least 18 years old to use Bayyy.

Certain features, such as home delivery, are available only to verified users. Verification requires submission of personal details and valid documentation.

3. Account Registration

Information Accuracy: You must provide accurate information when creating your account, including your name, phone number, and email address.

Security Measures: All accounts require a 4-digit PIN and a security question for enhanced security.

Account Responsibility: You are solely responsible for safeguarding your credentials and notifying Bayyy of unauthorized access.

4. Payment Services

Bayyy enables users to make secure payments between one another and across supported platforms such as Zelle and Cash App.

Payments are processed in real time or within a reasonable timeframe unless technical delays occur.

5. Withdrawals

Users can withdraw funds either through home delivery (for verified users) or in-office pickup.

Withdrawals are subject to availability of funds and applicable fees.

6. Currency Options

Payments and withdrawals can be processed in USD, DOP, Gdes or other supported currencies. Currency options depend on availability and user preferences..

7. Fees and Charges

Bayyy charges service fees for payments, withdrawals, and other transactions. Fees are displayed transparently before the completion of any transaction.

Fees are non-refundable except in cases of proven errors caused by Bayyy.

8. User Obligations

You agree to use Bayyy only for lawful purposes.

Prohibited Activities: These include, but are not limited to, fraudulent payments, money laundering, or any violation of laws or Bayyy’s Acceptable Use Policy.

9. Security Policies

All transactions require your 4-digit PIN. Without this PIN, payments cannot be processed.

Bayyy implements encryption and fraud detection tools to secure user data and payments.

10. Verification Requirements

Users must submit valid identification and proof of address to access verified services such as home delivery and increased payment limits.

Bayyy reserves the right to reject any verification request that does not meet its standards.

11. Payment Processing

Payments may be subject to delays due to technical or compliance reasons.

Bayyy is not responsible for delays caused by third-party platforms (e.g., Zelle, Cash App, Mon Cash, NatCash).

12. Refund Policy

Payments made through Bayyy are final and non-reversible unless there is an error attributable to Bayyy.

Refunds are issued only after thorough investigation and may take up to 15 business days to process.

13. Payment Limits

Bayyy may impose daily, weekly, or monthly limits on payments or withdrawals based on user verification status.

Users may request an increase in limits by completing additional verification steps.

14. Unauthorized Payments

Users are required to report unauthorized payments within 24 hours of detection.

Bayyy may freeze the account and investigate the issue, but is not liable for payments completed with compromised credentials.

15. Privacy and Data Collection

Bayyy collects user data in accordance with its Privacy Policy.

Information may be shared with authorities if required by law or to comply with regulations.

16. Dispute Resolution

Any disputes arising from these Terms must first be addressed through Bayyy’s internal resolution process.

If unresolved, disputes will be subject to binding arbitration.

17. Governing Law

These Terms are governed by the laws of the jurisdiction in which Bayyy operates. Users agree to submit to the exclusive jurisdiction of the courts in this jurisdiction.

18. Fraud Detection

Bayyy uses automated tools to detect suspicious activity.

Accounts flagged for fraudulent payments may be suspended or terminated without prior notice.

19. Changes to Terms

Bayyy reserves the right to update these Terms. Users will be notified of changes via email or app notifications.

Continued use of the platform constitutes acceptance of the revised Terms.

20. Termination of Account

Bayyy reserves the right to terminate accounts that violate these Terms or engage in prohibited activities.

Users may terminate their account by contacting support or using the account management tools.

21. Unauthorized Access

Users must notify Bayyy immediately of unauthorized access.

Failure to report promptly may result in liability for unauthorized payments.

22. Notifications

Users agree to receive notifications via email, SMS, or WhatsApp for account updates and important communications.

23. Promotions

Bayyy may offer promotional discounts or bonuses. Fraudulent use of promotions may result in account termination.

24. Intellectual Property

All content and services provided by Bayyy are the intellectual property of Bayyy. Unauthorized use is prohibited.

25. Compliance with Laws

Bayyy complies with local and international financial regulations. Users must not engage in activities that could jeopardize Bayyy’s compliance status.

26. Customer Support

Bayyy offers 24/7 support for urgent issues. Non-urgent inquiries are handled during business hours.

27. Record Keeping

Bayyy maintains records of all payments and withdrawals for a minimum of 1 year.

Records may be shared with authorities if required.

28. Service Availability

Bayyy does not guarantee uninterrupted service. Maintenance and technical issues may temporarily affect availability.

29. Third-Party Services

Payments processed through third-party platforms (e.g., Zelle, Cash App, Mon Cash, NatCash) are subject to the terms of those platforms.

30. Assignment

You may not transfer any rights you have under our terms of service to anyone else.

These Bayyy Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you and any attempted transfer or assignment will be null and void.

31. Legal Proceedings

In case of legal disputes, Bayyy will cooperate fully with authorities.

Users agree to indemnify Bayyy against claims resulting from their misuse of the platform.