Terms & Conditions

HooYia provides digital services designed to make transactions, payments, and related processes easier and more accessible for users and businesses.

The specific services available may change over time.

You agree to use HooYia's services lawfully and responsibly.

You must not:

• Use the services for fraudulent or illegal activities.
• Attempt to gain unauthorized access to HooYia systems or another user's account.
• Interfere with the security, availability, or operation of the services.
• Provide false or misleading information where accurate information is required.
• Use the services in a way that could harm HooYia, other users, or third parties.

Where an account is required, you are responsible for providing accurate information and keeping your account credentials secure.

You should notify HooYia if you believe your account has been accessed or used without authorization.

Where HooYia facilitates payments or transactions, users are responsible for providing accurate transaction information.

Transactions may be subject to the terms, processing times, limitations, and requirements of the relevant payment provider or financial institution.

HooYia will make reasonable efforts to ensure that transactions are processed correctly, but delays may occasionally occur due to payment providers, banks, mobile money operators, network issues, or circumstances outside HooYia's reasonable control.

Refunds and cancellations are handled according to HooYia's Refund Policy.

Please review the Refund Policy for information about eligibility and the refund process.

HooYia aims to keep its services available and reliable.

However, temporary interruptions may occur because of maintenance, technical issues, network failures, third-party services, security incidents, or other circumstances beyond our reasonable control.

We will make reasonable efforts to restore affected services as soon as practical.

Unless otherwise stated, the HooYia website, branding, software, content, graphics, logos, and other materials are owned by or licensed to HooYia.

You may not reproduce, modify, distribute, sell, or otherwise use HooYia's intellectual property without appropriate authorization.

Some HooYia services may rely on third-party providers, including payment providers, financial institutions, hosting providers, communication services, or other technology providers.

HooYia is not responsible for issues caused solely by third-party services, although we will make reasonable efforts to assist users when appropriate.

Your use of HooYia is also subject to our Privacy Policy, which explains how we collect, use, and protect personal information.

HooYia will make reasonable efforts to provide reliable and secure services.

To the extent permitted by applicable law, HooYia will not be responsible for losses caused by circumstances outside its reasonable control, including third-party service failures, network interruptions, unauthorized access caused by the user's failure to secure their account, or events beyond HooYia's control.

Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is not permitted by applicable law.

HooYia may temporarily suspend or restrict access to a service when reasonably necessary to:

• Protect users or the platform
• Investigate suspected fraud or abuse
• Address security concerns
• Comply with legal requirements
• Perform necessary maintenance

Where reasonably possible, users will be informed of significant restrictions affecting their access.

HooYia may update these Terms & Conditions from time to time.

Updated terms will be published on this page, along with a revised effective date where appropriate.

Continued use of the services after an update may constitute acceptance of the revised terms, to the extent permitted by applicable law.

These Terms shall be interpreted in accordance with the applicable laws governing HooYia's operations.

Where specific jurisdictional information is required, it should be added by HooYia's legal or management team.

If you have questions about these Terms & Conditions, please contact HooYia through the contact information provided on the website.