Welcome to Delalify.

By choosing to use any of our services or products, you are entering into a binding agreement with Delalify Ltd (Ghana) or Delalify LLC (USA) (collectively, "Delalify", "Company", "we", "us", or "our"), depending on your location and the specific service. This Terms of Service (ToS) outlines the conditions of that agreement, detailing your rights, our rights, and the expected conduct for all parties involved.

Whether you are an individual, a business, or an organization seeking to tap into the future of technological solutions, please read this ToS document carefully to ensure a harmonious partnership.

Delalify is a technology enterprise established to solve problems. Our services are designed to enhance productivity, creativity, and connectivity for individuals and businesses. By using our platforms and products, you gain access to cutting-edge solutions that cater to your unique needs.

Effective Date

These Terms of Service are effective as of November 7th 2025. By continuing to use our services, you acknowledge and agree to the terms outlined in this document.

Delalify operates two distinct platform offerings, each designed to serve different purposes and user needs. Understanding the distinction between these platforms is essential to your use of our services.

Delalify Apps Platform

The Delalify Apps Platform consists of our suite of end-user Software-as-a-Service (SaaS) applications designed to enhance productivity, communication, and business operations. This platform includes:

• People: Contact and relationship management
• Channels: Communication and messaging services
• OneCloud: Cloud storage and file management
• Teams: Unified access control across all Delalify applications
• Commerce: E-commerce platform and transaction processing
• Builder: Website and application building tools
• Wallet: Digital wallet and payment services
• Tables: Data management and database services

These applications are designed for direct use by businesses and individuals, with interfaces optimized for end-user interaction and productivity. The Apps Platform focuses on delivering ready-to-use business solutions that support your daily operations.

Delalify Conjoin Platform

The Delalify Conjoin Platform is our cloud infrastructure and developer platform, providing the building blocks for developers to create, deploy, and scale their own applications. Conjoin offers:

• Conjoin Messaging: SMS, email, and messaging services
• Conjoin Auth: User authentication and identity management
• Conjoin Storage: Object storage and file management
• Conjoin Database: Managed database services
• Conjoin AI: Machine learning and artificial intelligence APIs
• Conjoin Billing: Payment processing and subscription management
• Conjoin Relay: Event-driven serverless messaging, webhooks, queues, and scheduling.

Conjoin is a developer-first platform that serves as the foundation for building modern applications. As a critical infrastructure layer, it provides APIs, SDKs, and services that developers integrate into their own applications and workflows. Use of the Conjoin Platform is subject to additional Conjoin-specific terms.

Key Differences

The primary distinction between these platforms lies in their purpose and audience:

• Apps Platform: Delivers complete, ready-to-use business applications for end users
• Conjoin Platform: Provides underlying infrastructure, APIs, and developer tools for building custom solutions

Each platform has distinct terms, service commitments, pricing models, and support processes that reflect their unique roles. When you use our services, the specific terms applicable to your use depend on which platform and services you are accessing. Both platforms are subject to these Terms of Service. The Conjoin Platform is also subject to additional Conjoin-specific terms that govern API usage, rate limits, and service boundaries.

• Delalify or Company
  Refers to Delalify, a technology enterprise established to solve problems.
• User(s) or You
  Denotes any individual, entity, or organization accessing, using, or purchasing any product or service offered by Delalify, either via the company's primary website or any affiliated platforms.
• Services
  Encompasses the array of software and technological solutions offered by Delalify across both the Delalify Apps Platform and the Delalify Conjoin Platform, as described in the Platform Overview section. This includes all applications, APIs, infrastructure services, and developer tools provided by Delalify.
• Website
  Signifies the official online presence of the company, accessible at delalify.com.
• Content
  Includes any data, text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork, and computer code, including but not limited to the design, structure, selection, coordination, expression, "look and feel", and arrangement of such content available on the Website or within the Services.
• Agreement
  Denotes this Terms of Service document, encompassing all clauses, terms, and provisions herein.
• SaaS (Software as a Service)
  A cloud-based service where instead of downloading software on your desktop PC or business network to run and update, you instead access an application via an internet browser.
• Third-party
  Refers to any entity or service that is not owned or controlled by Delalify, which may include other users, software applications, platforms, or websites.
• Account
  Designates the personalized access given to users upon registration on the Delalify platform, allowing them to use the Services and interact with the platform's features.
• Data
  Means any information, files, or content users upload, transmit, or store using our Services.

The Services are not directed to children under 13. You may use the Services only if you are at least 13 years old (or the age of digital consent in your country) and, if under 18 or the age of majority where you live, with parental or guardian consent.

Effective account management is essential for maintaining the security and compliance of our services. By outlining the necessary steps and policies for creating and maintaining your account, we ensure a mutually beneficial relationship that enhances both user experience and operational integrity.

Account Creation and Security

To use certain features of our services, creating an account is required. During registration, you must provide accurate and current personal information. You are responsible for safeguarding your password and any activities that occur under your account. We recommend using strong passwords and regularly updating your account information.

Account Types and Verification

Our services offer various account types to accommodate different needs. Certain accounts may require additional verification to enhance security. It is crucial to select an account type that aligns with your intended use of our services.

Account Limitations and Misuse

We reserve the right to impose limitations on your account based on your usage patterns, jurisdiction, or compliance with our policies. Engaging in fraudulent activities, payment abuse, chargeback fraud, or misrepresentation of your identity is prohibited and may lead to immediate suspension or termination of your account. Accounts flagged for suspicious payment activity, including but not limited to multiple refund requests, chargeback initiation, or promotional abuse, may be subject to additional verification requirements, payment holds, or permanent termination at our sole discretion.

Inactive Accounts and Recovery

Accounts that remain inactive for an extended period are subject to deactivation. If you forget your password or lose access to your account, you may initiate a recovery process. This process may involve additional verification steps to authenticate your identity.

Account Deactivation and Deletion

You may choose to deactivate or delete your account at any time through your account settings. Please be aware that upon deletion, data associated with your account will generally be permanently deleted, except where we are legally required or permitted to retain certain records. We advise backing up any vital data before proceeding with account deletion.

Prohibited Activities

To maintain the safety and integrity of our services, it is crucial that all users adhere to the following guidelines. Engaging in any of the activities listed below is strictly prohibited and may lead to suspension or termination of your account.

• Malware and Disruptions: Do not introduce malware or engage in activities that interfere with or disrupt our services or systems.
• Unauthorized Access and Fraud: Avoid spamming, hacking, or bypassing our security measures. Do not access or use our services or content fraudulently or deceptively, which includes phishing, creating fake accounts or content, and misleading others about the origin of content.
• Payment and Promotional Abuse: Do not abuse promotional offers, trial periods, or payment systems. This includes but is not limited to: creating multiple accounts to exploit promotional pricing, initiating chargebacks or payment disputes in bad faith, requesting refunds after consuming service resources, or using stolen or unauthorized payment methods. Such activities constitute fraud and will result in immediate account termination and may be reported to law enforcement authorities.
• Content Misuse: Do not use our services to violate anyone's legal rights, such as intellectual property or privacy rights. This includes reverse engineering our services or technology to extract proprietary information, except as permitted by law.
• Improper Automation and Crawling: Using automated systems or software to extract data from our services, contrary to our robots.txt file or other site instructions, is prohibited.
• Misrepresentation: You must not misrepresent your identity or the origin of any services to manipulate these terms or deceive others.
• Encouraging Violations: Do not provide services or engage in activities that encourage others to violate these terms.

Adhering to these rules helps keep our services safe and accessible for everyone.

Permission to Use Your Content

Some of our services allow you to upload, submit, store, send, receive, or share your content. You are not required to provide any content, but if you do, ensure you have the necessary rights to use it and that it is lawful.

Ownership and Rights

Your content remains yours. This means you keep any intellectual property rights you have in your content, such as copyrights in your creative works or the right to share content owned by others if they have given you permission.

Using Your Content

We may use your content to operate, improve, and promote our services. This includes hosting, displaying, and allowing you to share your content as you see fit. We may also create derivative works from your content to enhance service functionality or translate content into other languages.

Content Analysis

We analyze your content to provide and improve our services. This can include checking for spam or illegal content, organizing content, and personalizing your user experience with recommendations and customized search results. Analysis occurs when content is sent, received, and stored.

Promotion

We may use content that you share publicly to promote our services. For example, we might use a review you write to promote an app or display a screenshot of your content to advertise features.

Duration of Rights

The rights you grant us last as long as your content is protected by intellectual property rights. If you delete your content from our services, we will cease its public availability reasonably quickly, except where others have shared it or it has been used with other services.

Account Termination

You can terminate your account at any time. We reserve the right to suspend or terminate your account at our discretion for any reason, including but not limited to breach of these Terms, legal or regulatory requirements, inactivity, or to protect our Services or other users. We will provide notice when practicable, but immediate action may be taken when necessary.

We work tirelessly to provide reliable services that meet your needs. By using our services, you agree to the following terms and conditions that govern your interaction with our platforms and products.

Service Availability

We strive to maintain the availability and functionality of our services. However, we do not guarantee uninterrupted or error-free service. We may suspend, modify, or discontinue services. For material changes to paid subscriptions or discontinuations that materially reduce functionality, we will provide reasonable advance notice and a right to cancel before the change takes effect. For immaterial changes or urgent security, safety, or legal reasons, notice may occur after the fact. We may also impose usage limits or restrictions on certain services.

Service Updates and Enhancements

We regularly update and enhance our services to improve performance, security, and user experience. You may need to install updates or patches to access new features or maintain service compatibility. While updates are intended to enhance service quality, they may occasionally cause issues. We are not liable for any loss or damage resulting from updates. We may also discontinue support for outdated versions of our services.

Service Support

We provide customer support to assist with service-related inquiries, technical issues, and account management. Our support team is available through various channels, including email, chat, and phone. We aim to respond promptly to your queries and provide effective solutions. However, we do not guarantee immediate or 24/7 support unless otherwise specified.

Service Fees and Payments

Some services may require payment, either through subscription plans, one-time fees, or usage-based charges. By using paid services, you agree to our pricing and payment terms. We may offer free trials or discounts, which are subject to specific conditions. You are responsible for paying all fees associated with your use of paid services. Failure to pay may result in service suspension or termination. We may also change our pricing or payment terms at any time, with notice to you. If you disagree with the changes, you may cancel your subscription.

Subscriptions, renewals, cancellations, and refunds

Subscriptions renew automatically at the end of each billing period unless canceled. You can cancel at any time in your account settings; cancellation takes effect at the end of the current billing period, and you will continue to have access until then. All fees are non-refundable except as expressly stated in these Terms or as required by applicable law. If we materially change or discontinue a paid Service, we will provide reasonable advance notice and, where applicable, may offer a pro‑rated refund for any unused portion of the prepaid period at our discretion.

Nature of Digital Services and Immediate Delivery

All Delalify services are delivered as digital content and software-as-a-service (SaaS) products. Upon completing your purchase or subscription, you receive immediate access to the services, including but not limited to: account activation, API access, storage allocation, messaging credits, compute resources, and all associated features. This immediate delivery model is fundamental to how our services operate and is necessary to provide you with uninterrupted access to your data, applications, and workflows.

EU Right of Withdrawal and Express Waiver

If you are a consumer located in the European Union, European Economic Area, or United Kingdom, you ordinarily have the right to withdraw from distance contracts within 14 days without giving a reason under applicable consumer protection laws. However, this right of withdrawal does not apply to digital content and services once delivery has begun with your express consent and acknowledgment that you lose your withdrawal right.

By completing a purchase or subscription, you expressly request immediate access to the Services and explicitly acknowledge and agree that:

• You are requesting that Delalify begin performance of the Services immediately upon payment confirmation, before the expiration of the 14-day withdrawal period.
• You understand that once we grant you access to the Services and you begin using them (including accessing your account, consuming credits, using storage, sending messages, or using any service features), you lose your right to withdraw from the contract.
• You acknowledge that the Services constitute digital content not supplied on a tangible medium and that performance begins immediately with your express prior consent.
• You accept that this express consent and acknowledgment results in the loss of your right of withdrawal under applicable consumer protection laws, including but not limited to the EU Consumer Rights Directive (2011/83/EU), UK Consumer Contracts Regulations 2013, and equivalent national implementations.

During the checkout process, you will be required to provide this express consent through an affirmative action (such as checking a clearly labeled checkbox) before completing your purchase. This consent is recorded along with the date, time, and specific terms you agreed to, and is maintained for legal compliance and dispute resolution purposes.

Promotional Pricing and Trial Offers

We may offer promotional pricing, discounts, free trials, or limited-time offers for our Services. These promotional offers are subject to specific terms and conditions, which will be clearly communicated at the time of the offer. Unless otherwise stated:

• Non-Refundable Nature: Promotional pricing, including heavily discounted introductory rates, is non-refundable once you have accessed the Services or consumed any credits, storage, or resources provided under the promotional terms.
• Immediate Service Delivery: Promotional subscriptions provide immediate access to the Services upon purchase. By completing a promotional purchase, you explicitly request immediate service delivery and waive any withdrawal rights as described above.
• Automatic Renewal Terms: Unless you cancel before the end of the promotional period, your subscription will automatically renew at the standard pricing rate. You will receive notification of the upcoming renewal and pricing change in accordance with applicable law.
• One-Time Use: Promotional offers are typically limited to one use per customer and cannot be combined with other offers unless explicitly stated. Abuse of promotional pricing through multiple accounts or fraudulent means may result in account termination and forfeiture of all services without refund.
• Eligibility Requirements: We reserve the right to verify eligibility for promotional offers and to deny or revoke promotional pricing if eligibility requirements are not met or if we detect fraudulent activity.

Refund Policy and Exceptions

Given the immediate delivery nature of our digital services, refunds are generally not available once you have accessed the Services. However, we recognize that exceptional circumstances may warrant consideration. Refunds may be issued at our sole discretion in the following limited circumstances:

• Technical Failure: If we fail to deliver the Services due to a technical issue on our end and cannot resolve the issue within a reasonable timeframe, you may be eligible for a pro-rated refund for the period during which the Services were unavailable.
• Billing Errors: If you were charged incorrectly due to a billing system error (such as duplicate charges or charges after cancellation), we will refund the erroneous charge.
• Material Service Changes: If we make material changes to a paid Service that substantially reduce its functionality and you do not wish to continue, you may be eligible for a pro-rated refund for the unused portion of your prepaid period, provided you request the refund within 30 days of the change notification.

Refunds will not be issued in the following circumstances:

• You have accessed, used, or consumed any portion of the Services, including but not limited to: logging into your account, using credits, storing data, sending messages, or using any service features.
• You change your mind after purchasing, unless you have not yet accessed the Services and are within the 14-day withdrawal period (for EU/EEA/UK consumers only) and have not provided express consent for immediate delivery.
• You violate these Terms of Service, resulting in account suspension or termination.
• You fail to cancel a subscription before the renewal date and are charged for the subsequent billing period.
• You claim non-use of Services when our usage logs demonstrate that you accessed or consumed service resources.

Chargeback Policy and Consequences

Initiating a chargeback or payment dispute with your bank or payment provider without first contacting our support team is considered a breach of these Terms and may result in immediate account suspension or termination. Chargebacks are costly to process and are often used fraudulently to obtain services without payment.

If you initiate a chargeback:

• Your account will be immediately suspended pending resolution of the dispute.
• We will provide evidence to your payment provider demonstrating service delivery, usage logs, and your express consent to immediate delivery and waiver of withdrawal rights.
• If the chargeback is found in our favor, your account may be permanently terminated, and you may be prohibited from creating new accounts or using our Services in the future.
• If the chargeback is found in our favor and we incur chargeback fees or administrative costs, we reserve the right to pursue recovery of these costs through legal means.
• If you have a legitimate dispute regarding a charge, we strongly encourage you to contact our support team at wecare@delalify.com before initiating a chargeback. We are committed to resolving billing issues fairly and promptly.

Usage Tracking and Fraud Prevention

To protect against fraud, abuse, and to verify service delivery for dispute resolution purposes, we maintain comprehensive logs of service usage. These logs may include but are not limited to:

• Account access timestamps and IP addresses
• API calls and request volumes
• Storage consumption and file operations
• Message sending activity and credit usage
• Compute resource utilization
• Feature usage and interaction patterns
• Data upload and download activities

These usage logs are maintained in accordance with our Privacy Policy and may be used as evidence in the event of payment disputes, chargebacks, or legal proceedings. By using our Services, you consent to this usage tracking for fraud prevention and dispute resolution purposes.

Saving Payment Methods and Consent

To enhance your experience and enable smooth transactions, we offer you the option to save your payment method details for future use, including subscription payments and unscheduled top-ups. Saving your payment method is entirely optional and requires your explicit consent. During the payment process, you will be presented with a checkbox labeled "Save my payment method for future use", which you can select to opt-in.

By choosing to save your payment method, you agree to the following:

• Authorization of Payments: You authorize Delalify to initiate payments on your behalf for specified transactions, which may include recurring subscription fees and unscheduled top-up charges. This authorization constitutes a standing payment instruction and remains valid until you revoke it by removing your saved payment method or canceling your subscription.
• Timing and Frequency of Payments:
  • Subscription Payments: Payments will occur on a regular schedule as specified during your subscription sign-up process (e.g., monthly, quarterly, or annually). You will receive email notification prior to each renewal charge.
  • Unscheduled Top-ups: Payments will occur whenever you initiate an action that requires additional funds or services, such as adding credits or purchasing new features.
• Determination of Payment Amounts: The amounts charged to your saved payment method will be based on:
  • The subscription plan you have selected.
  • Usage-based charges as outlined in our pricing terms at the time of the transaction.
  • Any applicable taxes, fees, or discounts.
• Cancellation Policy:
  • You may cancel your subscription services at any time through your account settings. Cancellation must be completed before the renewal date to avoid charges for the next billing period.
  • Upon cancellation, no further subscription fees will be charged to your saved payment method, except for any outstanding amounts owed up to the cancellation date.
  • Refunds, if applicable, will be processed in accordance with our refund policy specified in these Terms. Subscription fees already charged for the current billing period are non-refundable.
  • You remain responsible for monitoring your subscription status and ensuring timely cancellation if you wish to avoid renewal charges.
• Consent for Offline Charges: By saving your payment method, you consent to us charging your saved payment method even when you are not actively using our website or app, solely for the purposes outlined above. This includes automatic renewal charges that occur without your active participation at the time of billing.
• Data Security:
  • Your payment details will be stored securely in compliance with all applicable laws, regulations, and industry standards, including PCI-DSS requirements.
  • We implement strong security measures to protect your financial information from unauthorized access or disclosure.
• Opt-Out and Data Removal:
  • You can remove your saved payment method at any time by accessing your account settings and deleting the stored payment information.
  • Removing your payment method may affect your ability to use certain services that require automatic billing. If you have an active subscription, you must either add a new payment method or cancel the subscription before the next renewal date.
• User Responsibility:
  • It is your responsibility to ensure that the payment information provided is accurate and up-to-date.
  • You agree to promptly notify us of any changes to your payment information or if your payment method is lost, stolen, or compromised.
  • You are responsible for ensuring sufficient funds are available in your payment method to cover authorized charges. Failed payments may result in service interruption or account suspension.

By opting in to save your payment method, you acknowledge that you have read and agree to these terms regarding the storage and use of your payment information. This consent is recorded and maintained for compliance and dispute resolution purposes.

Third Party Collection of Your Credit Card or Payment Information

To process payments securely and efficiently, we use third-party payment processors, namely Stripe and Paystack, depending on your geographical location. These trusted payment gateways are responsible for collecting, processing, and storing your credit card and other payment information.

• Stripe: If you are located in a country supported by Stripe, your payment transactions will be processed by Stripe or its affiliates. Stripe's services are governed by their own Stripe Services Agreement and Stripe Privacy Policy. We recommend reviewing these documents to understand how your payment information is handled.
• Paystack: For users located in Ghana, payments will be processed by Paystack or its affiliates. Paystack's services are subject to their Terms of Service and Privacy Policy. Please review these policies to learn about their data handling practices.

Data Handling and Security

• Direct Transmission: When you make a payment, your credit card or payment information is transmitted directly to Stripe or Paystack over secure, encrypted connections (SSL/TLS). We do not collect or store your full credit card details on our servers.
• Compliance with Standards: Both Stripe and Paystack are PCI-DSS (Payment Card Industry Data Security Standard) compliant, ensuring that your payment information is handled securely in accordance with industry standards.

Your Consent and Rights

• Acceptance of Third-Party Terms: By initiating a payment, you agree to be bound by the terms and policies of the respective payment processor (Stripe or Paystack), including their privacy practices and handling of your personal data.
• Data Protection: Your payment information will be used solely for the purposes of processing transactions authorized by you. Any additional information required by the payment processors will be subject to their own privacy policies.
• Disputes and Liability: To the extent permitted by law, we are not responsible for errors or breaches on the part of Stripe or Paystack. Any disputes arising from payment processing should be directed to the respective payment processor. This does not limit our responsibility to you for the Services we provide under these Terms.

Information We Receive

While we do not store your full credit card details, we may receive limited information from Stripe or Paystack necessary to fulfill your orders and comply with legal obligations. This may include:

• A token or reference ID associated with your payment method for transaction purposes.
• Confirmation of payment status (e.g., successful, pending, failed).
• Limited card information such as card type, expiration date, and last four digits for verification and customer service purposes.

International Data Transfers

Your information, including payment-related information, may be transferred to and processed in countries other than your country of residence, including the United States and Ghana. Where required, we use appropriate safeguards for cross‑border transfers (for example, Standard Contractual Clauses and, if applicable, UK IDTA). For details, please see our Privacy Policy.

Security Measures

We implement appropriate technical and organizational measures to protect the limited payment information we receive. However, we cannot guarantee absolute security, and any transmission of data is at your own risk.

Changes to Payment Processing Terms

We reserve the right to change our payment processors or amend this section as necessary. Any significant changes will be communicated to you via email or through our services.

Contact Information

If you have any questions or concerns regarding the collection and processing of your payment information, please contact us at wecare@delalify.com.

Service Security

We take security seriously and implement measures to protect your data and privacy. However, no system is entirely secure, and we cannot guarantee absolute protection against unauthorized access, data breaches, or cyber threats. You are responsible for maintaining the security of your account, including safeguarding your password and personal information. If you suspect unauthorized access to your account, contact us immediately.

Our services are designed to enhance your productivity, creativity, and connectivity. By using our platforms and products, you acknowledge and accept the terms outlined in this document. We appreciate your trust in us and are committed to delivering exceptional services that meet your expectations.

User-Generated Content

You are solely responsible for any information, data, text, graphics, videos, or other materials you upload, post, or share using our services ("User Content"). You must own or have all necessary permissions to use and authorize the use of your User Content. By posting or sharing, you grant us a worldwide, royalty‑free, non‑exclusive, transferable, and sublicensable license to host, store, use, reproduce, modify, adapt, translate, create derivative works from, distribute, publicly perform, and publicly display your User Content to operate, maintain, secure, and promote the Services.

Content Standards and Responsibilities

You must ensure your User Content is accurate, of high quality, and legal. We do not verify, endorse, or claim ownership of User Content but reserve the right to remove or modify content that violates our Terms or policies. Avoid posting sensitive personal information and engage respectfully with others to prevent harassment or discrimination. Violations may lead to account termination.

Content Reporting and Backups

If your User Content infringes on intellectual property rights or violates content guidelines, report it to us for review and potential action, including removal or account suspension. While we take measures to protect your content, maintaining appropriate backups is your responsibility. We are not liable for loss, corruption, or breach of data.

Third-Party Content and Promotions

We may include links to third-party websites or feature third-party content, which are governed by their own policies and not endorsed by us. User Content may also be used in our advertisements and promotions without compensation to you.

Publicity

With your permission or in accordance with your published brand guidelines, we may identify you as a customer and display your name and logo to promote the Services. You may withdraw consent at any time through your account or by contacting us.

Feedback and Suggestions

We value and welcome any feedback, comments, ideas, suggestions, or other information you provide about Delalify or the Services. However, by submitting any feedback to us through any means, including but not limited to email, support tickets, surveys, community forums, or direct communication, you grant us certain rights as outlined below.

License Grant: When you provide feedback, you grant Delalify a non-exclusive, royalty-free, worldwide license to use, implement, and incorporate your feedback into our Services. This license allows us to freely act on your suggestions and improve our products without legal concerns about ownership or attribution. You retain ownership of your ideas, but you give us the right to use them to make our Services better for all users.

No Confidentiality: Any feedback you provide will not be treated as confidential or proprietary information unless we have a separate written confidentiality agreement in place with you. You should not submit any information you consider confidential or proprietary through general feedback channels.

No Obligation: We have no obligation to use, implement, or respond to your feedback, and we reserve the right to use or not use your feedback in our sole discretion. The provision of feedback does not establish any business relationship, partnership, or obligation between you and Delalify.

No Compensation: You acknowledge and agree that you will not receive any compensation, credit, or attribution for any feedback you provide, regardless of whether we implement or use such feedback. All feedback is provided voluntarily and without expectation of payment or other consideration.

Ownership and Waiver: To the extent permitted by law, you waive any moral rights, rights of attribution, or similar rights you may have in the feedback. If you cannot waive such rights under applicable law, you agree not to assert such rights against Delalify or our licensees, successors, or assigns.

Representations and Warranties: By submitting feedback, you represent and warrant that: (a) you have the right to submit the feedback and grant the licenses described above; (b) the feedback does not infringe or violate any intellectual property rights, proprietary rights, or other rights of any third party; (c) the feedback does not contain any confidential information of third parties; and (d) the feedback is not subject to any license terms that would require any product or service incorporating the feedback to be licensed or disclosed to third parties.

Communication Channels

By signing up for an account with Delalify, you consent to receive communications from us via SMS, email, and other channels related to your use of our services. These communications are essential for providing you with updates, notifications, and information pertinent to your account and our services.

Types of Messages

• Essential Messages: These include account-related notifications, security alerts, service updates, and other critical information necessary for the operation and maintenance of your account. By creating an account, you automatically opt-in to receive these essential messages.
• Promotional Messages: These include marketing, promotional content, newsletters, and other non-critical communications. You have the option to opt-in to these messages separately and can opt-out at any time.

Opt-Out Mechanisms

We provide opt-out mechanisms for all types of messages we send, whether essential or promotional. Each message will include clear instructions on how to unsubscribe or manage your communication preferences. For essential messages, opting out may affect your ability to use certain features of our services.

Identification of Messages

All messages sent by Delalify will clearly identify the sender as "Delalify" to ensure transparency and trust. An example of an SMS from Delalify is as follows:

Delalify: Your OTP code is 1234. Do not share it with anyone. Reply STOP to opt-out. HELP for help.

User Responsibility

It is your responsibility to ensure that the contact information you provide is accurate and up-to-date. You should regularly check your email and SMS for communications from us to stay informed about important updates and changes.

Required disclosures for SMS

Message and data rates may apply. Message frequency varies. Reply STOP to cancel and HELP for help. Consent to receive automated messages is not a condition of purchase. See our Privacy Policy for how we process your information.

Data Privacy

We respect your privacy and are committed to protecting your personal information. Our communications will comply with our Privacy Policy, and we will not share your contact information with third parties for marketing purposes without your explicit consent.

Changes to Communication Preferences

You can manage your communication preferences through your account settings at any time. This includes opting in or out of non-essential messages and updating your contact information.

By continuing to use our services, you acknowledge and agree to the terms outlined in this Messaging and Communication section. For any queries or specific concerns regarding our communication practices, please contact our customer success team at wecare@delalify.com.

If you believe content available through the Services infringes your copyright, please send a notice to us at legal@delalify.com including the information required by 17 U.S.C. §512(c)(3). We may remove content and terminate repeat infringers as appropriate.

Initiation by User:
Users are entitled to terminate their account or stop using our services at any given time. If a user decides to terminate, they should properly close their account through the provided features on our platform.

Initiation by Us:
We reserve the right to terminate or suspend a user's access to our services, without prior notice, for conduct that we believe:

• Violates these Terms of Service or any other policies we have instated.
• Is harmful to other users, third parties, or our business interests.
• Involves fraudulent activities or activities that violate any local, state, national, or international law.

Upon Termination:
When termination takes effect:

• All rights and licenses granted to users will end.
• Users must cease all use of our service.
• Any outstanding fees or charges owed by the user to us will become immediately due and payable.
• We may delete all user data associated with the terminated account unless legally obligated to retain it.

Refunds upon Termination:
If a user's account is terminated by us for reasons other than violations of these Terms of Service, the user may be eligible for a prorated refund for any unused portion of the services they have paid for, unless stated otherwise in a specific service's terms.

Survival:
Provisions of these Terms of Service that by their nature should survive termination shall survive, including but not limited to intellectual property rights, disclaimers, indemnities, and limitations of liability.

Reactivation:
If a user wishes to reactivate their account after termination, they may do so if their account was terminated by them and not due to any violations. However, any previously stored data may not be retrievable.

Permanent Ban:
In cases where the violations are deemed severe by us, the user might be permanently banned from using our services and may not be allowed to register a new account.

Communication:
Unless initiated by the user, we will make reasonable efforts to notify the user via the email associated with their account about the termination or suspension and any related details.

By continuing to use our services, users acknowledge and agree to the terms outlined in this Termination section. For any queries or specific concerns regarding account termination, users are encouraged to contact our support team.

Changes to the Terms

Periodic Review and Updates:
We reserve the right to review, amend, or revise these Terms of Service periodically. Such changes might be due to evolving industry standards, changes in our services, or legal mandates, among other reasons.

Notification of Changes:
Should any significant change be made to these Terms, we will provide users with a notification. This could be in the form of an email, an announcement on our website, or a notification within our services.

Effective Date of Changes:
Updates to the Terms will become effective on the date they are posted unless otherwise stated. If a specified effective date is provided, the changes will become binding on that date.

User's Responsibility:
It remains the user's responsibility to regularly review the Terms of Service. Continuation of using our services after any revisions indicate the user's acceptance and agreement to be bound by the modified Terms.

Disagreement with Changes:
If a user disagrees with the revised Terms, they must discontinue their use of the services and, if applicable, deactivate their account. Continued use of the services will indicate the user's acceptance of the updated terms.

Archival of Previous Versions:
For transparency, we may retain and display archived versions of the Terms of Service. Users can request to view older versions to understand the changes made over time.

Exceptions:
We reserve the right to introduce immediate changes to the Terms without prior notice when necessary to comply with legal or regulatory requirements, address security concerns, or respond to emergencies.

Queries on Updates:
Users are encouraged to reach out to our support or legal team for any clarifications on updates to the Terms. We're committed to ensuring that our users fully understand any changes and their implications.

By continuing to use our services, users acknowledge and agree to any changes made to these Terms. If any part of the updated Terms is unclear or raises concerns, users are encouraged to consult with legal professionals and to communicate their concerns to us before proceeding further.

Disclaimer

The services, products, and content provided by us are delivered with a strong commitment to quality and accuracy. However, it is important for users to understand the following:

General Information:
All content, services, and products offered by us are intended for general informational purposes only and should not be considered as professional advice or definitive guidance.

No Warranty:
Our services, products, and content are provided "as-is" and "as-available" without any guarantees. This means we do not offer warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement of intellectual property.

Limitation of Liability:
To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenues, data, goodwill, or business interruption. Our aggregate liability for all claims arising out of or relating to the Services is limited to the greater of USD $100 or the amounts you paid to us for the Services giving rise to the claim during the twelve (12) months before the event. This cap applies in the aggregate across Delalify and its affiliates. Nothing in these Terms limits liability for fraud, willful misconduct, personal injury, death, or any liability that cannot be limited by law.

Third-Party Links:
Some of our services or content may include links to third-party websites or resources. We do not control these third-party entities and are not responsible for their content, policies, or practices.

Updates and Modifications:
The technological landscape is ever-changing, and we strive to update our content and services accordingly. However, we cannot guarantee the real-time accuracy or completeness of any information provided.

Data Transmission Risks:
Despite our efforts to secure our platforms, the transmission of information over the internet can never be entirely secure. Any data transmission to our site is at your own risk.

Errors and Omissions:
Our platforms may occasionally contain errors or omissions related to product descriptions, pricing, promotions, offers, and availability. We reserve the right to correct any inaccuracies and to change or update information or cancel orders if any information on our platforms is incorrect at any time without prior notice.

Indemnification Clause:
You agree to indemnify, defend, and hold us harmless from any claims, damages, liabilities, costs, or expenses (including legal fees) arising from your use of our services or violation of this Disclaimer.

By using our services, products, or accessing our content, you acknowledge and agree to the terms stated in this Disclaimer. For specific concerns or clarifications regarding our offerings or this Disclaimer, you are encouraged to contact us directly.

Mutual intellectual property indemnity

We will defend you against third‑party claims alleging that the Services, as provided by us, infringe the claimant's intellectual property rights and will pay damages and costs finally awarded against you (or agreed in settlement) to the extent arising from such claim. We may, at our option, procure rights, modify the Services, or replace the affected component. Our obligations do not apply to claims arising from your content, your misuse, combinations not provided by us, or use after we notify you to suspend the challenged use. This section states our entire obligation for IP infringement claims.

Arbitration (United States customers only)

If you contract with Delalify LLC, you and Delalify agree to resolve any dispute arising out of or relating to these Terms or the Services through binding arbitration administered by a recognized provider, on an individual basis only, and not as a class or representative action. Either party may bring an individual action in small claims court. You may opt out of arbitration within 30 days of first accepting these Terms by contacting us. This arbitration agreement is governed by the Federal Arbitration Act.

Injunctive relief

Either party may seek injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property or confidential information.

Force majeure

Neither party will be liable for delay or failure to perform due to events beyond its reasonable control, including acts of God, natural disasters, war, terrorism, riots, labor actions, government actions, or internet or utility failures.

Assignment

You may not assign these Terms without our prior written consent, except to an affiliate or in connection with a merger, acquisition, or sale of assets with notice to us. We may assign these Terms to an affiliate or in connection with a corporate transaction.

Severability; waiver

If any provision is unenforceable, it will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in effect. No waiver is effective unless in writing and signed by the waiving party.

Entire agreement; headings; survival

These Terms constitute the entire agreement between you and Delalify regarding the Services and supersede all prior or contemporaneous agreements. Headings are for convenience only. Provisions that by their nature should survive termination do so, including payment obligations, ownership, disclaimers, indemnities, limitations of liability, dispute resolution, and general terms.

Notices and contact

Legal notices may be sent to legal@delalify.com. For support or privacy inquiries, contact wecare@delalify.com. Notices to you may be provided via email or through the Services.

If you are a resident of Ghana, your agreement is with Delalify LTD, a company organized under the laws of Ghana. For all other users, your agreement is with Delalify LLC, a Delaware limited liability company.

These Terms and your use of the Services are governed by the laws of Ghana (for Ghana residents) or the laws of the State of Delaware, United States (for all other users), without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Accra, Ghana (for Ghana residents) or New Castle County, Delaware, United States (for all other users) for the resolution of any disputes arising from these Terms or the Services.

Affiliates

Delalify operates through subsidiaries and affiliates that may provide, host, or support the Services. All Delalify entities are entitled to enforce these Terms and benefit from the protections, disclaimers, and limitations contained herein. Any liability cap applies in the aggregate across all Delalify entities.

Data processing locations

Our Services are primarily hosted and operated in the United States. Your data may be processed in the United States regardless of your location. Additional information about data transfers and safeguards is available in our Privacy Policy.

You represent and warrant that you are not located in, under the control of, or a national or resident of any country or territory subject to comprehensive U.S. sanctions and that you are not on any U.S., EU, or UK government sanctions or denied‑party list. You agree to comply with all applicable export control and sanctions laws when using the Services.