Last Updated: 11 January 2026


1. Consent to Use the Service

By enabling the Niyomito Pay Auto Payment Gateway, you acknowledge and agree that funds will be automatically debited from your registered bank account, card, or approved payment method at scheduled intervals as per the applicable billing cycle.


2. Authorization

You hereby authorize Niyomito Pay to automatically collect payments for applicable bills, fees, subscriptions, or services in accordance with the agreed billing terms.
You confirm that all payment account details provided are accurate, valid, and legally authorized for such transactions.


3. Failed Payments

If a payment fails due to insufficient funds, expired cards, banking restrictions, or technical issues, Niyomito Pay may attempt to reprocess the payment.
Niyomito Pay shall not be held responsible for any payment failure caused by such circumstances.


4. Data Security & Protection

Niyomito Pay applies industry-standard encryption, secure authentication, and advanced security protocols to protect your financial and personal information.
Your data will not be shared with third parties except where required by law, regulatory authorities, or payment network compliance obligations.


5. Billing & Notifications

Upon successful or attempted payment processing, notifications may be sent via email, SMS, or in-app alerts.
You are responsible for maintaining up-to-date and accurate contact information within your account.


6. Auto Payment Cancellation

You may cancel the Auto Payment service at any time through your dashboard or by contacting support.
Please note that cancellations made after a billing cycle has commenced may not prevent that cycle’s payment from being processed.


7. Refund Policy

If an automatic payment is charged incorrectly, you must notify the Niyomito Pay support team promptly.
Refunds, where applicable, will be processed after verification and in accordance with our refund policy and applicable regulations.


8. Service Modification

Niyomito Pay reserves the right to modify auto payment processes, service fees, or these terms at any time.
Any material changes will be communicated to users in advance through official channels.


9. Limitation of Liability

Niyomito Pay shall not be liable for payment delays, failures, or disruptions caused by banks, card networks, third-party payment processors, or circumstances beyond our reasonable control.


10. Governing Law

These terms shall be governed by and interpreted in accordance with the applicable laws of the jurisdiction in which Niyomito Pay operates.


Acceptance

By continuing to use Niyomito Pay Auto Payment services, you confirm that you have read, understood, and agreed to these terms and conditions.