Nothing on this website:

• Constitutes legal, tax, investment, regulatory, or financial advice
  
• Creates a client, fiduciary, agency, or advisory relationship
  
• Constitutes an offer of financial products or services
  
• Constitutes a solicitation to invest
  
• Should be relied upon as the sole basis for business or investment decisions
  

Users should obtain independent professional advice where appropriate.

These institutions may provide services including:

• Lending
  
• Savings products
  
• Payments
  
• Merchant services
  
• Financial inclusion programs
  
• Working capital solutions
  
• Other regulated financial services
  

THRIFTPAY® itself does not directly onboard retail customers, hold customer accounts, or provide financial products to consumers.

THRIFTPAY®:

• Does not operate as a bank
  
• Does not accept customer deposits
  
• Does not hold client funds
  
• Does not operate as an electronic money institution
  
• Does not provide investment services
  
• Does not directly provide regulated retail financial services
  

Does not directly provide regulated retail financial services

The information contained on this website is not intended as an offer, invitation, recommendation, or solicitation to provide or obtain financial products or services.

This website is intended solely to provide information about THRIFTPAY®’s business activities, infrastructure capabilities, ecosystem partnerships, and market initiatives.

Accessing this website from jurisdictions where such information may be restricted is done at the user’s own initiative and risk.

Our solutions may support institutions in areas including:

• Digital financial infrastructure
  
• MSME financing ecosystems
  
• Financial inclusion programs
  
• Risk and operational support
  
• Data and analytics
  
• Partnership enablement
  
• Institutional capacity building
  

THRIFTPAY® works with institutions that serve end users; THRIFTPAY® itself does not directly provide services to those end users.

You agree not to:

• Use this website for unlawful purposes
  
• Attempt unauthorized access to systems or infrastructure
  
• Introduce malicious software or harmful code
  
• Disrupt website functionality or security
  
• Misrepresent your identity or affiliation
  
• Use automated tools to improperly extract website data
  
• Use the website in a manner that may damage the reputation or operations of THRIFTPAY®
  

We reserve the right to restrict access where misuse occurs.

All content appearing on this website, including:

• Text
  
• Graphics
  
• Logos
  
• Branding
  
• Designs
  
• Layouts
  
• Reports
  
• Research
  
• Market insights
  
• Proprietary methodologies
  

are the property of THRIFTPAY® or its licensors unless otherwise stated.

No content may be copied, reproduced, distributed, modified, republished, or commercially exploited without prior written consent.

Information may be shared with:

• Professional advisers
  
• Service providers
  
• Regulatory authorities where legally required
  
• Business partners involved in approved engagements
  

All parties receiving information are expected to maintain appropriate confidentiality and data protection standards.

To the fullest extent permitted by applicable law:

• THRIFTPAY® makes reasonable efforts to maintain accurate and current information on this website but does not guarantee its completeness, accuracy, or suitability for any specific purpose.
  
• Website content is provided for general informational purposes only and may be updated without notice.
  
• THRIFTPAY® shall not be liable for any direct, indirect, incidental, consequential, special, or economic loss arising from the use of, or reliance upon, information contained on this website.
  
• Users remain responsible for conducting their own due diligence and obtaining independent professional advice where appropriate.
  

Nothing in these Terms excludes liability that cannot be excluded under applicable law.

THRIFTPAY® aims to provide reliable access to this website and its resources.

However, we do not guarantee that:

• Access will always be uninterrupted
  
• The website will always be available
  
• Services will be free from errors, delays, or technical interruptions
  
• All content will remain continuously accessible
  

We reserve the right to modify, suspend, restrict, or discontinue any part of the website at any time without prior notice.

THRIFTPAY® may update these Terms periodically to reflect:

• THRIFTPAY® may update these Terms periodically to reflect:
  
• Business developments
  
• Technology enhancements
  
• Changes to our services or operating model
  

Updated Terms will be published on this page together with a revised effective date.

Continued use of this website following publication of revised Terms constitutes acceptance of those changes.