Legal
The small print, in plain English.
Four documents cover everything you agree to when you use KetaPay. Each section opens with a one-line note, so you know what matters before you read the detail.
Our documents
Terms of Service
The agreement between you and KetaPay for using the app: your account, identity checks, fees, what you can’t trade and how to complain.
Effective 26 October 2026 · Version 2.0
Escrow Agreement
What buyer, seller and KetaPay agree to on each deal: how the money is held, when it’s released, and how we settle a dispute.
Effective 26 October 2026 · Version 1.0
Privacy Policy
What we collect, why, who we share it with, how long we keep it and your rights under the Nigeria Data Protection Act. Cookies too.
Effective 26 October 2026 · Version 2.0
Business Terms
For companies using the API, checkout or dashboard: settlement, payouts, chargebacks, API use and our Data Processing Agreement.
Effective 26 October 2026 · Version 1.0
Which ones apply to you
1
Opening an account
You accept the Terms of Service and we show you the Privacy Policy.
2
Starting or joining a deal
Buyer and seller both accept the Escrow Agreement for that deal, before any money moves.
3
Taking payments as a business
Your company signs the Business Terms, which include our Data Processing Agreement.
Something else?
Make a complaint
How to complain, how quickly we reply, and where to go if you’re not happy with our answer.
Cookie settings
Change which cookies we use on this website. The Privacy Policy explains each type.
Prohibited items
Things you can’t buy or sell through KetaPay. Part of the Terms of Service.
Report a security issue
Found a vulnerability? Email security@ketapay.com and we’ll reply within 3 working days.
Who holds your money
KetaPay is not a bank.
Money paid into a deal is held by Zenith Bank, a commercial bank licensed by the Central Bank of Nigeria, in an account kept apart from KetaPay's own money. KetaPay tells the partner when to release it, based on the Escrow Agreement.
Keta Solutions Limited, RC 9605936. B3, Monastery Road, Sangotedo, Lagos State, Nigeria.