Terms and Conditions

1. Acceptance of Terms

By accessing and using DeferPay's services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Service Description

DeferPay provides an e-commerce platform offering:

• Full payment options for immediate purchase
• Hire purchase plans with daily payment schedules
• Flexible installment payment options
• Product delivery services

3. Payment Terms

3.1 Full Payment

Full payment must be completed at the time of purchase. Payment methods include credit/debit cards and mobile money.

3.2 Hire Purchase

• Requires 50% down payment at the time of purchase
• Remaining balance paid in daily installments
• Interest rates apply as specified during checkout
• Available for 1, 2, or 3-month terms
• Missed payments may result in additional charges

3.3 Flexible Installments

• Optional initial payment
• No fixed payment schedule
• Customers can make payments at their convenience
• Full payment required before product delivery

4. Product Delivery

• Products are delivered after full payment is received
• For hire purchase, delivery occurs after down payment
• Delivery times vary by location
• Shipping costs are calculated at checkout

5. Returns and Refunds

• Returns accepted within 7 days for defective items only
• Items must be in original condition and packaging
• Refunds processed within 14 business days
• Customer responsible for return shipping costs unless item is defective

6. User Accounts

• Users must provide accurate and complete information
• Users are responsible for maintaining account security
• DeferPay reserves the right to suspend or terminate accounts
• Users must notify us immediately of any unauthorized use

7. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the service, to understand our practices.

8. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of DeferPay and is protected by copyright and other intellectual property laws.

9. Limitation of Liability

DeferPay shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services.

10. Governing Law

These terms shall be governed by and construed in accordance with the laws of Ghana, without regard to its conflict of law provisions.

11. Changes to Terms

DeferPay reserves the right to modify these terms at any time. Changes will be effective immediately upon posting on the website.

12. Contact Information

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

• Email: support@deferpaygh.com
• Phone: +233557314330
• Address: Accra, Ghana