Terms of Service

1. Acceptance of Terms

By accessing or using the Liparo API ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of the terms, you may not access the Service. These Terms apply to all users, developers, and businesses integrating with Liparo API.

2. Eligibility

You must be at least 18 years old to use our Service. By using Liparo API, you represent and warrant that you have the full power and authority to enter into this agreement. Businesses must be legally registered entities where required by law.

3. API Usage & Fair Use

Liparo API provides a free M-Pesa payment gateway for developers and businesses. You agree to use the API in compliance with all applicable laws and regulations.

• You may not reverse engineer, decompile, or attempt to extract source code from our API.
• Rate limits apply (100 requests per minute) to ensure fair usage for all users.
• You are responsible for all activity that occurs under your API credentials.
• We reserve the right to throttle or suspend accounts that abuse the service.

4. API Credentials & Security

You are responsible for maintaining the security of your secret keys, passkeys, and shortcodes. Liparo API is not liable for any unauthorized transactions or data breaches resulting from compromised credentials. If you suspect a security breach, you must immediately rotate your credentials via the dashboard and notify us at security@liparo.co.ke.

5. Payment Processing & Liability

Liparo API facilitates communication between your application and Safaricom's M-Pesa infrastructure. We do not store or process funds directly. Final transaction status is determined by Safaricom.

• We are not responsible for failed STK pushes, network delays, or Safaricom system outages.
• Transaction reversals or disputes must be handled between you (the merchant) and your customer.
• While our API is free, standard M-Pesa transaction charges from Safaricom still apply to your Till or Paybill.

6. Data Privacy & Collection

We collect only the data necessary to process payments and maintain the service, including phone numbers, transaction amounts, and reference codes. We do not sell or share your data with third parties for marketing purposes. For complete details, refer to our Privacy Policy.

We retain transaction logs for up to 12 months for fraud prevention and debugging. You may request data deletion by contacting support@liparo.co.ke.

7. Prohibited Use

You may not use Liparo API for any illegal activities or prohibited transactions, including but not limited to:

• Fraudulent payments or money laundering
• Gambling or unlicensed lotteries where prohibited by law
• Adult content or illegal substances
• Unauthorized automated testing or load testing without permission
• Any activity that violates Safaricom's M-Pesa terms of use

Violation of these restrictions may result in immediate termination of your account and reporting to relevant authorities.

8. Limitation of Liability

To the maximum extent permitted by law, Liparo API shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, or business interruption, arising out of your use or inability to use the Service.

9. Modifications to Service & Terms

We reserve the right to modify or discontinue the Service (or any part thereof) with or without notice. We may update these Terms from time to time. Continued use of Liparo API after changes constitutes acceptance of the modified terms. We will notify significant changes via email or dashboard announcement.

10. Termination

We may terminate or suspend your access immediately, without prior notice, for conduct that violates these Terms or is harmful to other users or the platform. Upon termination, your right to use the API ceases immediately. You may also delete your account at any time via the dashboard.

11. Governing Law

These Terms shall be governed and construed in accordance with the laws of Kenya, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved exclusively in the courts of Nairobi, Kenya.

12. Contact Information

If you have any questions about these Terms, please contact us:

• Email: support@liparo.co.ke
• Address: Nairobi, Kenya