1. IPay or ZPay Digital Merchant Banking Services and Eligibility.

1.1 IPay infrastructure or IPS (Iyiebo Payment System) or ZPay (Zoom Pay). this is a payment services provider and acts as such by creating, hosting, maintaining and providing our IPay Services to you via the Internet. Our services allow you to send payments to anyone with a IPay Account without sharing your ID information or financial information, and, where available, to receive payments. Our service availability varies sometime by country and region of residence. We offer services in compliance with local laws. IPay is a money transfer service too, only via both IPay account, otherwise auto Bank account will be created under your details as parent account to host the receiver of money.
We aren't common public utility and you must be the beneficial owner of your Account, and conduct business only on behalf of yourself. We do not have any full control over, and are not responsible for, the products or services that are paid for with our IPay Service. We can't ensure that a buyer or a Seller you are dealing with will actually complete the transaction or he can't.
We are not responsible for later payment via our IPay Service.

1.2 Eligibility. To be eligible to use the IPay Services, you must have 18 years old or higher based on the age of majority in your country jurisdiction, and a resident of one of the countries listed by IPay service provider. You must give your correct name,country/region of residence, in your new Account. This Agreement applies only to Users who are residents of one of the countries listed.

1.3 Data Information. In order to use and maintain an your Account, you must at least provide us with correct Information please.

A. Your contact information. It is your responsibility to keep your email address, phone number up to date so that IPay can communicate with you electronically. You understand and agree that if IPay sends you an electronic Communication but you do not receive it because your email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications,IPay will be deemed to have provided the Communication to you effectively. Please note that if you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add IPay name to your email address book so that you will be able to view the Communications we send to you. You can update your primary email address or street address at any time by logging into the IPay website. If your email address becomes invalid such that electronic Communications sent to you by IPay are returned, IPay may deem your Account to be inactive, and you will not be able to transact any activity using your IPay Account until we receive a valid, working primary email address from you.

B. Identity Verification. You authorize IPay, directly or through third parties, to make any inquiries we consider necessary to validate your identity. This may include asking you for further information or documentation, requiring you to provide a taxpayer or national identification number, requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report or verifying your Information against third party databases or through other sources.
WARNING: IPay will provide you a global ID that will hide all your transaction with IPay
C. Credit Report Authorization. If you open a IPay Business Account, you are providing IPay with your written instructions and authorization in accordance with any applicable law to obtain your personal and/or business credit report from a credit bureau. You are also authorizing IPay to obtain your personal and/or business credit report: (a) when you request certain new products, or (b) at any time IPay reasonably believes there may be an increased level of risk associated with your IPay Business Account.
D. Updates to Information. If your credit card number or expiration date changes, we may update it without any action on your part and we may acquire such updated information from a third party including our financial services partner, the card networks, and your bank or card issuer. If you do not want us to update your card information, you may contact your issuer to request this or remove your Payment Method from your IPay Account. If we update your Payment Method, we will keep any preference setting attached to such Payment Method

1.5 Presentation of Iyiebo First Online Inclusive Marchand Bank You agree to provide equal treatment to IPay and/or other payment methods or marks you offer at your points of sale (e.g. websites or mobile applications). This includes at least equal or substantially similar: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale.

In representations to your customers or in public communications, you agree not to mischaracterize IPay as a payment method or exhibit a preference for other payment methods over IPay. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using IPay or encourage the customer to use an alternate payment method. If you enable your customers to pay you with IPay, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the IPay payment marks at least as prominently, and in at least as positive a manner, as you do for all other payment methods.