Terms & Conditions

Welcome to madfōa.

These Terms & Conditions ("Terms") govern your access to and use of the madfōa platform, website, mobile application, APIs, software, and related services (collectively, the "Services").

By registering for, accessing, or using madfōa, you agree to be bound by these Terms.

If you do not agree to these Terms, you may not use the Services.

madfōa Ltd provides software and technology services that enable merchants to create, manage, and monitor payment requests, invoices, QR payments, billing records, and related payment workflows through supported third-party payment providers.

madfōa provides technical integration and software services only.

madfōa does not:

• act as a bank;
• provide regulated financial services;
• issue electronic money;
• process payments directly;
• receive, store, hold, or settle customer funds on behalf of merchants.

All payment processing, authorization, settlement, and movement of funds are handled directly by the merchant's selected third-party payment provider, including but not limited to eFawateercom and connected financial institutions.

To use madfōa Services, merchants must:

• be legally authorized to represent a business or merchant entity;
• maintain an active merchant account with a supported payment provider where required;
• provide accurate and complete account information;
• comply with all applicable laws and regulations in their jurisdiction.

madfōa may approve, reject, suspend, or remove merchant access where necessary to protect platform integrity, security, or service operations.

Merchants are solely responsible for:

• the invoices or payment requests they create;
• customer communication regarding billing or payment;
• refund arrangements made directly with customers;
• maintaining access to their third-party payment provider account;
• ensuring the accuracy of payment details submitted through madfōa.

madfōa does not review or verify the underlying transaction between merchant and customer.

Merchant Communications

The Merchant acknowledges and agrees that madfōa will only send payment requests, invoices, SMS messages, emails, push notifications, or other customer communications based on:

• actions initiated by the Merchant through the madfōa platform;
• requests submitted through the Merchant's authorized API integration;
• automated workflows, templates, or schedules configured by the Merchant.

The Merchant is solely responsible for the content, accuracy, recipients, timing, and legality of such communications.

madfōa shall not be liable for any claim, loss, damage, complaint, or dispute arising from communications requested, initiated, or authorized by the Merchant.

madfōa integrates with third-party payment providers to enable payment-related functionality.

Use of any third-party provider may be subject to that provider's own terms, merchant agreements, privacy policies, fees, and operational requirements.

madfōa is not responsible for:

• declined transactions;
• delayed settlements;
• failed payment processing;
• banking errors;
• service interruptions of third-party providers;
• payment reversals or disputes handled by payment providers.

madfōa may currently provide certain Services free of charge during promotional, beta, early access, pilot, or limited release periods.

madfōa reserves the right to introduce fees for any part of the Services in the future, including but not limited to:

• subscription fees;
• setup fees;
• premium feature fees;
• usage-based fees;
• service or support fees.

If fees are introduced in the future, merchants will be notified in advance through the platform, website, email, or other reasonable communication method.

Merchants may choose whether to continue using the Services under the updated pricing structure. If a merchant does not agree to the new pricing, the merchant may discontinue use of the Services before the new fees become effective.

Unless otherwise expressly stated in writing, fees paid to madfōa are non-refundable.

Any fees charged by third-party payment providers, banks, eFawateercom, or related financial institutions remain separate from madfōa fees and are not controlled by madfōa.

Merchants agree not to use madfōa:

• for unlawful or fraudulent purposes;
• to create misleading or unauthorized payment requests;
• to impersonate another business or individual;
• to interfere with platform security or availability;
• to misuse APIs, integrations, or system resources;
• to upload malicious code or attempt unauthorized access.

madfōa may suspend or terminate access where misuse is detected or reasonably suspected.

madfōa aims to maintain reliable platform availability but does not guarantee uninterrupted or error-free service.

Temporary interruptions may occur due to maintenance, upgrades, third-party provider downtime, internet/network failures, or technical incidents beyond madfōa's reasonable control.

madfōa is not liable for losses caused by such interruptions.

Merchant use of madfōa is also governed by the madfōa Privacy Policy.

By using the Services, merchants acknowledge that madfōa may collect, store, and process data necessary to provide the Services.

The Merchant retains ownership of its customer information, contact details, invoice records, and business data submitted to or processed through the Services.

Except as necessary to provide, maintain, secure, improve, or comply with legal obligations relating to the Services, madfōa does not claim ownership of the Merchant's customer data.

Nothing in these Terms shall be interpreted as granting madfōa any ownership rights over the Merchant's customers, customer relationships, or business information.

All rights, title, and interest in the madfōa platform, software, branding, trademarks, interfaces, content, and related technology remain the exclusive property of madfōa Ltd or its licensors.

Merchants receive a limited, non-exclusive, non-transferable right to use the Services during an active subscription or approved access period.

To the maximum extent permitted by applicable law, madfōa shall not be liable for indirect losses, loss of revenue, loss of profits, loss of business, data loss, payment delays, or failed transactions caused by third-party providers.

madfōa's total liability arising from the use of the Services shall not exceed the fees paid by the merchant to madfōa during the preceding twelve (12) months.

madfōa may suspend or terminate merchant access immediately where:

• these Terms are violated;
• fraudulent or suspicious activity is detected;
• required third-party payment provider access is revoked;
• continued access creates legal, security, or operational risk.

Merchants may stop using the Services at any time.

Termination does not remove payment obligations already due.

madfōa may update these Terms from time to time.

Updated versions become effective upon publication through the platform or website.

Continued use of the Services after updates means acceptance of the revised Terms.

These Terms shall be governed by and interpreted in accordance with the laws of the Hashemite Kingdom of Jordan.

Any disputes arising in connection with these Terms shall be subject to the competent courts of Jordan unless otherwise required by applicable law.