LEGAL & REGULATORY DIRECTORY

The master agreement governing all access to and use of the Paytali peer-to-peer currency exchange matching platform.

How Paytali collects, protects, processes, and retains your personal information and biometric KYC verification records.

Details regarding cookies, local storage, session management, and browser preferences used across the platform.

Rules governing ad-based marketplace orders, Quick Match routing, instantaneous rate lock, and settlement obligations.

The legal and mathematical framework governing 100% merchant recourse cash collateral, append-only ledgers, and capacity math.

Operational requirements, KYB qualification, single-tier deposit rules, fee debits, and lifecycle obligations for broker desks.

Procedures for pre-payment order cancellations, timer expiration, fiat irreversibility, and collateral recourse refunds.

Grounds, evidentiary standards, mediation timelines, and binding resolution procedures for peer-to-peer trade disputes.

Our risk-based approach, sanctions screening, PEP monitoring, transaction velocity rules, and statutory SAR reporting.

Tiered identity verification standards, Smile ID biometric liveness checks, and business qualification requirements.

Important disclosures regarding foreign exchange volatility, counterparty exposure, external banking network delays, and regulatory shifts.

Transparent fee schedule (0% buyer, 1% merchant collateral debit), market-driven rate mechanics, and third-party network charges.

Official grievance submission channels, response SLAs (4hr ack, 5-day resolution), escalation tiers, and external ombudsman options.

Statutory 5-year financial record-keeping mandates, ephemeral chat purging, and cryptographic deletion protocols.

Standards of lawful conduct, permitted diaspora use cases, and zero-tolerance prohibitions against financial crime and market abuse.

Consent to digital delivery of notices, statements, and receipts, plus the full legal validity of digital electronic signatures.

Education on recognizing common P2P scams (fake SMS receipts, off-platform lures, third-party payments) and four golden rules for safe trading.

Corporate entity details, non-custodial software provider status, regional banking notices for Egypt and Nigeria, and legal review flags.

Commitment to WCAG 2.1 Level AA conformance, keyboard navigation, contrast ratios, and accessibility coordinator contact.

Transparent breakdown of third-party vendors (Smile ID, Clerk, AWS, Paystack, InstaPay, NIBSS) and strict data processing boundaries.