Terms of Service

Agreement

These terms govern your use of Jaylor, a product of Bethjay Global Enterprise Limited (RC 3283706), FCT Abuja, Nigeria. By creating a store, you agree to these terms on behalf of your business.

Your account and store

You're responsible for the accuracy of the information in your store and for keeping your login secure. Store independence is core to Jaylor: your store's data is never shown to another store, and there is no shared marketplace or directory.

Data processing agreement (for stores)

For any personal data of your clients or customers that you process using Jaylor, you are the data controller and Bethjay Global Enterprise Limited is your data processor. We process that data only to provide the service, under your instructions, and with the security measures described in our Security page.

Acceptable use

• Don't use Jaylor to send unsolicited messages to people who haven't consented.
• Don't attempt to access another store's data or bypass plan limits.
• Don't use the platform for anything unlawful under Nigerian law.

Subscription, billing and cancellation

Plans and prices are shown in the app and on our pricing page and are billed in the currency shown for your country. New stores get a 30-day Growth trial; afterwards, stores continue on Growth if they subscribe, or move to Free automatically. All existing data is kept either way. You can cancel or downgrade at any time from Billing; cancellation takes effect at the end of the current billing period. Except where law requires otherwise, subscription charges already paid are non-refundable. If we make an incorrect or duplicate charge, contact us within 14 days so we can investigate and correct it.

Jaylor Pay (accepting client payments)

Jaylor Pay lets you send clients a secure payment link on an order. It is a technology feature that connects your store to a payment link generated through Paystack, a licensed Nigerian payment processor. Jaylor is not a bank, does not hold client funds at any point, and is not a party to the underlying sale of goods or services between you and your client.

• Connecting your account. To activate Jaylor Pay you provide your own Nigerian bank account details. We verify the account name with your bank through Paystack before activation, and for your security you must re-enter your password before connecting or changing the payout account.
• Platform fee. Each successful collection carries a platform fee, shown in-app and on our pricing page, that is set by your plan (currently 1.5% on Free, 1% on Growth and during your trial, 0.7% on Business, or a negotiated rate on a custom plan). The fee is deducted automatically from the payment before settlement, so you never receive an invoice for it separately.
• Getting paid. The amount collected, less the platform fee, settles directly from Paystack to your connected bank account on Paystack's standard settlement schedule. Jaylor never receives, custodies or routes these funds itself.
• International and diaspora clients. A client paying from abroad can pay by card in their own currency; Paystack converts the payment and settles you in naira. The exchange rate and any card-network conversion fee are set by Paystack and its partners, not by Jaylor, and can change without notice.
• Accuracy of your bank details. You are responsible for keeping your connected account accurate and under your business's control. Jaylor is not liable for funds settled to an account you provided incorrectly, though we will assist you in working with Paystack to try to recover them.
• Refunds, chargebacks and disputes. As the merchant of record for the underlying tailoring order, you are responsible for refunds you agree to give a client and for responding to any chargeback or dispute a client's bank or card issuer raises. Jaylor facilitates the payment link but does not decide, fund or guarantee the outcome of a dispute.
• Suspension. We may pause Jaylor Pay for a store where we reasonably suspect fraud, abuse, or a breach of these terms or of Paystack's own merchant terms, and will give notice where reasonably possible.

WhatsApp messaging

Automatic-message allowances cover transactional utility messages, such as order updates and appointment reminders. They do not include marketing campaigns. Delivery depends on the recipient's consent, WhatsApp availability and Meta's rules. Allowances and fair-use limits may change if provider rates change; we will give reasonable notice of material changes.

Your content and our service

You retain ownership of store information, photographs and other content you submit. You give us the limited permission needed to host, process, display and back up that content for your use of Jaylor. Jaylor, its branding and software remain our intellectual property.

Suspension, termination and data export

We may suspend access where necessary to prevent abuse, fraud, security harm or unlawful use, and will give notice where reasonably possible. Before closing your store, owners can export supported records from the app. Closing an account does not remove obligations or liabilities that arose before closure.

Electronic agreement and Nigerian law

You agree that electronic actions, notices and records may satisfy writing and signature requirements to the extent allowed by Nigerian law. These terms are governed by the laws of the Federal Republic of Nigeria. We will first try to resolve disputes in good faith; unresolved disputes are subject to the courts of the Federal Capital Territory, Abuja.

Contact

Questions, complaints and billing disputes can be sent to info@jaylor.com.ng.

Limitation of liability

Jaylor is provided "as is." To the extent permitted by law, Bethjay Global Enterprise Limited is not liable for indirect or consequential losses arising from use of the service. Nothing in these terms limits liability that cannot be limited under Nigerian law.

Changes

We may update these terms from time to time. Material changes will be announced in the app.