Acceptable Use Policy
1. Purpose & Scope
This Acceptable Use Policy ("AUP") establishes the standards of conduct required of every individual, merchant, and entity accessing or utilizing the Paytali peer-to-peer currency exchange matching platform.
By accessing the Platform, you agree to comply strictly with this AUP. Failure to abide by these standards will result in immediate disciplinary action, including transaction cancellation, account freezing, collateral forfeiture, and referral to regulatory and law enforcement authorities.
2. Permitted Platform Use
Paytali is designed exclusively to facilitate lawful, peer-to-peer currency exchanges between verified individuals and vetted liquidity merchants for legitimate personal and commercial purposes, including:
- Personal remittances and cross-border family maintenance;
- Payment of university tuition, student accommodation, and living expenses for Africans studying in Egypt;
- Lawful merchant trade payments between counterparties in Egypt, Nigeria, and Francophone West Africa;
- Physical cash collection at vetted Cairo/Alexandria partner stores in compliance with local commercial regulations.
3. Prohibited Activities
You may not use Paytali, directly or indirectly, to conduct, support, or facilitate any of the following prohibited activities:
A. Financial Crimes & Illicit Funds
Money laundering, terrorism financing, bribery, narcotics trafficking, human trafficking, fraud, tax evasion, sale of stolen goods, proceeds of extortion or ransomware, or evading domestic currency declaration laws.
B. Fraudulent Trading & Market Abuse
Submitting forged or altered bank transfer receipts; initiating unauthorized banking chargebacks; order blocking (rapidly opening and abandoning orders to lock merchant capacity); sending funds from unverified third-party bank accounts; or creating synthetic identities.
C. Off-Platform Contact & Disintermediation
Requesting or transmitting personal phone numbers, WhatsApp links, Telegram handles, email addresses, or social media profiles in trade notes to transact outside Paytali's escrow protection.
D. Cybercrime & Technical Exploitation
Reverse engineering platform APIs; scraping marketplace order books; executing denial-of-service (DoS) attacks; probing system vulnerabilities; deploying automated bots without express API authorization; or bypassing Serializable transaction concurrency locks.
4. Investigation & Enforcement
Paytali reserves the right to investigate any suspected breach of this AUP. In the event of a verified violation, Paytali may take immediate remedial action without prior notice, including:
- Terminating or freezing active user and merchant accounts;
- Cancelling open orders and locking capacity;
- Debiting merchant security deposits to reimburse affected counterparties;
- Submitting formal criminal referrals and evidentiary dossiers to law enforcement agencies (e.g., EMLCU Egypt, EFCC Nigeria, Interpol).