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Terms of Service

Terms and Conditions

Last updated: January 2026

These terms outline the rules for using our platform.

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§1Introduction

These Terms of Service (“Terms”) govern your access to and use of the OQOVO platform, website, APIs, software, and related services (collectively, the “Services”).

OQOVO is a payment orchestration platform operated by OQOVO LLC, a limited liability company registered in the State of New Mexico, United States.

Throughout these Terms, “OQOVO,” “we,” “us,” or “our” refers to OQOVO LLC.

§1Scope of Services

Oqovo provides a unified payment infrastructure enabling businesses to:

  • Accept and process customer payments
  • Manage one-time and recurring transactions
  • Operate subscription and billing models
  • Optimize payment performance and authorization rates
  • Monitor transactions in real time
  • Detect and prevent fraud
  • Access analytics, reporting, and revenue optimization tools
  • Integrate with third-party tools and platforms
  • Use white-label or embedded payment solutions

Oqovo may update, modify, or enhance the Services at any time.

§3Eligibility

To use Oqovo, you must:

  • Be a legally registered business or organization
  • Have the authority to bind the business to these Terms
  • Use the Services solely for lawful commercial purposes
Individuals acting as consumers are not permitted to use the Services.

§4Account Registration

You agree to provide accurate, complete, and up-to-date information during registration and throughout your use of the Services. Oqovo may request additional information or documentation to:

  • Verify your identity or business
  • Assess risk and compliance
  • Maintain platform integrity
You are responsible for all activity occurring under your account.

§5Platform Role & Transaction Handling

Oqovo operates the payment flow between end customers and platform users. As part of this role, Oqovo may:

  • Collect payments from end customers
  • Process refunds, reversals, and adjustments
  • Manage disputes and chargebacks
  • Apply applicable fees, taxes, or deductions
  • Temporarily hold funds for risk, compliance, or operational reasons
This structure ensures security, regulatory compliance, and consistent service delivery.

§6Fees, Pricing & Settlements

Fees for using Oqovo are defined through your dashboard, commercial agreements, or pricing pages. Oqovo may modify pricing with reasonable notice.

Payout timing, settlement schedules, and reserve policies depend on transaction history, risk assessment, and operational constraints.

§7Prohibited Activities

You may not use Oqovo for:

  • Illegal, fraudulent, or deceptive activities
  • Money laundering, terrorism financing, or sanctions violations
  • Unauthorized sale of regulated or prohibited products
  • Infringement of intellectual property rights
  • Circumventing security or monitoring systems
Violation may result in immediate suspension or termination.

§8Fraud Prevention & Risk Management

Oqovo employs automated and manual systems to:

  • Monitor transactions
  • Detect suspicious behavior
  • Prevent fraud and abuse
  • Protect end customers

Oqovo may suspend transactions, delay payouts, or request additional verification when risk thresholds are exceeded.

§9Availability & Performance

While Oqovo targets high availability and reliability, the Services are provided on an “as is” and “as available” basis. Oqovo does not guarantee uninterrupted or error-free operation and may perform maintenance or upgrades without prior notice.

§10White-Label & Embedded Use

If you use Oqovo in a white-label or embedded context:

  • You remain responsible for your end-user relationships
  • You must present accurate information to your customers
  • You may not misrepresent Oqovo's role or functionality

Oqovo may impose additional requirements for white-label usage.

§11Intellectual Property

All intellectual property related to OQOVO, including software, APIs, documentation, trademarks, and branding, is owned by OQOVO LLC or its licensors. No rights are granted except as expressly stated in these Terms.

§12Limitation of Liability

To the fullest extent permitted by law:
  • Oqovo is not liable for indirect, incidental, special, or consequential damages
  • Bakolapay's total liability is limited to the fees paid during the three (3) months preceding the event giving rise to the claim

§13Indemnification

You agree to indemnify and hold harmless OQOVO and OQOVO LLC from any claims, damages, liabilities, costs, or expenses arising from:

  • Your use of the Services
  • Your business activities
  • Violations of these Terms or applicable law

§14Termination

Oqovo may suspend or terminate access at any time for compliance, risk, or operational reasons. Termination does not relieve you of outstanding obligations.

§15Governing Law & Jurisdiction

These Terms are governed by the laws of the State of New Mexico, USA, without regard to conflict-of-law principles. Exclusive jurisdiction lies with the courts located in New Mexico.

Questions about our terms?

contact@oqovo.com