Terms of Service

Effective Date: September 23, 2026

Company: Solution Globale Multi Service LLC
Brand / Service: AyiFlow
Website: https://edlinpay.com

1. Introduction and Acceptance of These Terms

Welcome to AyiFlow.

These Terms of Service ("Terms") govern your access to and use of the AyiFlow website, application, digital wallet services, virtual card services, payment-related features, and other services made available through the AyiFlow platform (collectively, the "Services").

AyiFlow is operated by Solution Globale Multi Service LLC ("AyiFlow," "we," "us," or "our").

By creating an account, accessing the platform, requesting or using a virtual card, funding your account, initiating a transaction, or otherwise using the Services, you acknowledge that you have read, understood, and agreed to these Terms and our applicable policies, including our Privacy Policy and Virtual Card Service Policy.

If you do not agree with these Terms, you must not use the Services.

These Terms apply together with any specific terms, disclosures, fee information, card-program rules, or other conditions presented to you when you use a particular AyiFlow service.

2. Eligibility

You must meet the eligibility requirements applicable to the Services you wish to use.

Unless otherwise permitted by applicable law and expressly stated by AyiFlow, you must be at least 18 years old to create and maintain an AyiFlow account.

By registering, you represent and warrant that:

• You are at least 18 years old;

• The information you provide is accurate, complete, and current;

• You are legally capable of entering into these Terms;

• You are acting on your own behalf or are otherwise authorized to act for the person or entity represented by the account;

• You will comply with all applicable laws and regulations;

• You will not use the Services for unlawful, fraudulent, abusive, or prohibited activities.

We may refuse, restrict, suspend, or terminate access where eligibility requirements are not satisfied.

3. Account Registration and Account Information

To use certain Services, you must create an AyiFlow account.

You agree to provide accurate and complete information during registration and to update your information whenever it changes.

You are responsible for:

• Maintaining the accuracy of your account information;

• Keeping your login credentials confidential;

• Protecting devices used to access your account;

• Activating and maintaining available security features, including Multi-Factor Authentication (MFA), where applicable;

• Promptly notifying AyiFlow if you believe your account or credentials have been compromised.

You must not:

• Share your account credentials with another person;

• Allow another person to use your account;

• Create an account using false or misleading information;

• Create multiple accounts for the purpose of circumventing restrictions;

• Attempt to access another user's account.

You remain responsible for activity performed through your account to the extent permitted by applicable law.

4. Identity Verification and KYC

To protect users, prevent fraud, comply with applicable requirements, and provide certain financial services, AyiFlow may require identity verification ("KYC" or "Know Your Customer").

Depending on the Services used, you may be required to provide information or documents such as:

• Full legal name;

• Date of birth;

• Residential information;

• Telephone number;

• Government-issued identification;

• Other information reasonably required for identity verification or compliance purposes.

AyiFlow may use third-party identity verification, compliance, payment, card-program, or financial service providers to assist with these processes.

Submitting KYC information does not guarantee approval.

We may request additional information or documentation when necessary to verify your identity, protect the platform, investigate suspicious activity, comply with applicable requirements, or support a transaction.

If required information cannot be verified, we may restrict access to certain Services, delay a transaction, decline a request, suspend an account, or take other measures permitted by applicable law.

5. Digital Wallet and Account Services

AyiFlow may provide digital wallet and account-related functionality that allows eligible users to view balances, receive or add funds where supported, initiate transactions, and access other financial features made available through the platform.

The availability of specific wallet features may depend on:

• Your account status;

• Successful identity verification;

• Applicable compliance requirements;

• Supported payment methods;

• Geographic availability;

• Third-party service availability;

• Limits, restrictions, or risk controls applicable to your account.

Balances displayed within AyiFlow may be subject to pending transactions, reversals, adjustments, disputes, fees, compliance reviews, or other applicable processing events.

You must not use the wallet or account functionality for unlawful purposes or in a manner that attempts to circumvent transaction, security, or compliance controls.

6. Virtual Card Services

Eligible users may request a virtual card through AyiFlow.

Virtual card availability is subject to:

• Account eligibility;

• Successful identity verification where required;

• Applicable card-program requirements;

• Approval by the relevant card or payment service provider;

• Risk and compliance checks;

• Technical availability.

A virtual card may be subject to spending limits, transaction restrictions, merchant restrictions, geographic restrictions, balance requirements, or other controls.

The applicable virtual card service is also governed by the Virtual Card Service Policy, which forms part of these Terms.

AyiFlow may use third-party card issuing, processing, payment, or technology providers to provide or support virtual card services.

AyiFlow does not guarantee that a virtual card will be accepted by every merchant, website, platform, payment processor, or jurisdiction.

7. Card Creation, Fees, and Funding

Applicable fees, charges, funding requirements, and other transaction conditions will be displayed or communicated to you before the relevant transaction where reasonably practicable.

You are responsible for ensuring that sufficient funds are available before initiating a transaction.

Where a card creation fee, funding amount, or other charge applies, the applicable amount will be presented through the platform or otherwise communicated before confirmation.

Funding methods available through AyiFlow may vary according to your account, location, payment method, and the services currently supported by the platform.

A successful funding transaction does not necessarily guarantee that a subsequent card transaction will be approved.

AyiFlow may reject, delay, reverse, or place restrictions on a funding transaction when reasonably necessary for security, compliance, technical, or risk-management reasons.

8. Transactions and Payments

You authorize AyiFlow and the applicable payment or card-processing providers to process transactions that you initiate through the Services.

You are responsible for reviewing transaction details before confirming a transaction.

Transactions may be declined, reversed, delayed, or placed under review for reasons including:

• Insufficient available balance;

• Incorrect transaction information;

• Merchant or network restrictions;

• Security or fraud controls;

• Compliance requirements;

• Technical failures;

• Card-program restrictions;

• Payment processor or network decisions.

A transaction appearing as pending does not necessarily mean that it has been finally completed.

Transaction status may change as processing information is received from relevant payment or card-network providers.

9. Merchant Transactions and Third-Party Merchants

AyiFlow may allow you to use an eligible virtual card to make purchases from third-party merchants.

AyiFlow is not responsible for:

• The quality, legality, availability, or delivery of goods or services purchased from a merchant;

• Merchant pricing;

• Merchant refund policies;

• Merchant cancellation policies;

• Merchant disputes unrelated to the operation of the AyiFlow Services.

For disputes concerning goods or services, you should generally first contact the merchant.

Where a transaction dispute, unauthorized transaction, or chargeback process is available, you must follow the applicable procedures and provide requested supporting information.

10. Refunds, Disputes, and Unauthorized Transactions

If you believe that a transaction is unauthorized, duplicated, fraudulent, or otherwise incorrect, you should contact AyiFlow Support as soon as possible.

You may be required to provide:

• Transaction details;

• Merchant information;

• Receipts or other documentation;

• Communications with the merchant;

• Evidence supporting your claim.

Merchant refunds may require processing time before they appear in your AyiFlow balance or transaction history.

Disputes and chargebacks are subject to applicable payment-network rules, card-program requirements, processor procedures, and applicable law.

AyiFlow does not guarantee that every dispute or chargeback will be resolved in your favor.

Submitting intentionally false, misleading, abusive, or fraudulent dispute claims is prohibited and may result in account restrictions or termination.

11. Fees and Charges

AyiFlow may charge fees for certain Services.

Applicable fees may include, depending on the Services available to you:

• Account or service fees;

• Virtual card creation fees;

• Funding or transaction fees;

• Currency conversion or related processing charges;

• Other fees disclosed before or during use of a particular Service.

Where applicable, fees will be presented to you before confirmation of the relevant transaction.

You authorize AyiFlow and applicable service providers to deduct applicable fees from available balances or otherwise collect amounts you owe, where permitted.

AyiFlow may change its fees from time to time. Where required, we will provide appropriate notice before material fee changes take effect.

12. Prohibited Activities

You must not use the Services for unlawful, fraudulent, deceptive, abusive, or unauthorized activities.

Prohibited activities include, without limitation:

• Fraud or attempted fraud;

• Money laundering or attempts to conceal the origin of funds;

• Financing terrorism or other prohibited activities;

• Unauthorized transactions;

• Identity theft or impersonation;

• Providing false or misleading information;

• Using another person's account or credentials;

• Circumventing account, transaction, geographic, or security restrictions;

• Using the Services for prohibited goods or services;

• Attempting to manipulate payment processing or dispute systems;

• Exploiting technical vulnerabilities;

• Introducing malicious code or attempting unauthorized access;

• Using the Services in violation of applicable laws or regulations;

• Any activity that could reasonably expose AyiFlow, its users, or service providers to legal, regulatory, financial, or security risk.

AyiFlow may take appropriate action when prohibited activity is suspected or identified.

13. Security and Account Protection

You are responsible for taking reasonable steps to protect your account and credentials.

AyiFlow implements technical and organizational security measures designed to protect the platform and user information.

These measures may include:

• Secure communications;

• Access controls;

• Multi-Factor Authentication;

• Account security controls;

• Transaction monitoring;

• Fraud detection mechanisms;

• Administrative access restrictions;

• Security monitoring and logging.

No electronic system can be guaranteed to be completely secure.

You must immediately notify AyiFlow if you suspect:

• Unauthorized access;

• Loss or theft of a device;

• Compromise of your password;

• Compromise of an authentication factor;

• Unauthorized transactions;

• Suspicious activity involving your account or card.

14. Fraud Prevention and Transaction Monitoring

To protect users and the platform, AyiFlow and its service providers may monitor transactions and account activity for security, fraud prevention, compliance, and risk-management purposes.

Transactions or accounts may be subject to temporary restrictions or review where activity appears unusual, suspicious, unauthorized, or inconsistent with applicable requirements.

Additional information or documentation may be requested during a review.

Where permitted by law, AyiFlow may limit the information provided about security or compliance controls when disclosure could compromise fraud-prevention systems, investigations, or legal obligations.

15. Suspension, Restriction, and Termination

AyiFlow may temporarily restrict, suspend, freeze, or terminate access to all or part of the Services where reasonably necessary, including when:

• You violate these Terms;

• You violate applicable laws or regulations;

• KYC or compliance verification cannot be completed;

• Fraud or suspicious activity is suspected;

• Unauthorized activity is detected;

• Required information is not provided;

• A third-party provider or card program requires a restriction;

• Continued access presents a security, legal, regulatory, or operational risk;

• You request account closure.

Where legally and operationally appropriate, we may provide notice of a suspension or termination.

However, notice may be delayed or unavailable where immediate action is necessary or where disclosure is restricted by law, regulation, security requirements, or the requirements of a financial or payment partner.

16. Remaining Balances After Account Closure

If your account is closed and a legitimate balance remains, AyiFlow will handle the remaining balance in accordance with applicable law, the relevant payment or card-program rules, outstanding obligations, disputes, reversals, fees, and compliance requirements.

Before releasing funds, AyiFlow may require additional verification to confirm the identity of the account holder and the appropriate destination for the funds.

Funds may be temporarily restricted where required for fraud investigations, disputes, chargebacks, legal obligations, regulatory requirements, or other legitimate compliance reasons.

17. Third-Party Services and Providers

Certain AyiFlow Services may depend on third-party providers, including payment processors, card issuers, identity verification providers, hosting providers, financial service providers, and other technology partners.

Third-party services may be subject to separate terms, policies, limitations, or availability requirements.

AyiFlow may not control the availability or operation of third-party systems.

Where a service is provided or processed by a third party, your use of that service may also be subject to the third party's applicable terms and policies.

18. Service Availability

We aim to maintain reliable access to the AyiFlow Services, but we do not guarantee that the Services will always be available, uninterrupted, error-free, or compatible with every device, network, merchant, payment method, or third-party platform.

Services may temporarily become unavailable because of:

• Maintenance;

• Security measures;

• Software or infrastructure issues;

• Network failures;

• Payment or card-network outages;

• Third-party service interruptions;

• Regulatory or compliance requirements;

• Events outside our reasonable control.

We may modify, suspend, discontinue, or limit any feature or Service where reasonably necessary.

19. Intellectual Property

The AyiFlow website, application, software, interface, branding, logos, text, graphics, designs, and other materials made available by AyiFlow are protected by applicable intellectual-property laws.

Unless expressly permitted by AyiFlow, you may not:

• Copy or reproduce the platform;

• Modify or create derivative works;

• Reverse engineer or attempt to extract source code;

• Redistribute AyiFlow content or software;

• Use AyiFlow trademarks or branding without authorization;

• Remove copyright, trademark, or other proprietary notices.

These Terms do not transfer ownership of AyiFlow intellectual property to you.

20. User Responsibilities and Acceptable Use

You agree to use the Services responsibly and in accordance with these Terms.

You are responsible for all information, instructions, transactions, and actions submitted through your account.

You must ensure that your use of the Services does not:

• Violate another person's rights;

• Interfere with the operation of the platform;

• Circumvent security controls;

• Introduce malicious or harmful content;

• Create unreasonable risks for AyiFlow or other users.

21. Privacy

Your use of the Services is also governed by the AyiFlow Privacy Policy, which explains how we collect, use, disclose, protect, and retain personal information.

The Privacy Policy forms part of these Terms by reference.

22. Disclaimers

To the maximum extent permitted by applicable law, the Services are provided subject to their stated availability and applicable service conditions.

AyiFlow does not guarantee:

• That every transaction will be approved;

• That every merchant will accept an AyiFlow virtual card;

• That a particular funding method will always be available;

• That the Services will always be uninterrupted;

• That third-party services will always be available;

• That every transaction, dispute, refund, or chargeback will be resolved in a particular manner.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited under applicable law.

23. Limitation of Liability

To the maximum extent permitted by applicable law, AyiFlow and its affiliates, officers, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the Services.

This may include losses arising from:

• Third-party merchant decisions;

• Merchant disputes;

• Network interruptions;

• Temporary service unavailability;

• Third-party provider failures;

• Unauthorized activity resulting from your failure to protect your credentials;

• Transactions declined by a merchant, processor, card network, or other third party.

Nothing in these Terms limits liability where such limitation is prohibited by applicable law, including liability arising from fraud, willful misconduct, or other circumstances that cannot legally be excluded.

24. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless AyiFlow, Solution Globale Multi Service LLC, and their respective officers, employees, contractors, and service providers from claims, losses, liabilities, damages, costs, and reasonable expenses arising from:

• Your violation of these Terms;

• Your unlawful or fraudulent use of the Services;

• Your misuse of an AyiFlow account or virtual card;

• Your violation of another person's rights;

• Your intentional or negligent misuse of the platform.

This section does not apply to the extent that the claim results from conduct for which AyiFlow cannot lawfully require indemnification.

25. Changes to These Terms

We may update these Terms from time to time to reflect changes to:

• Our Services;

• Technology;

• Security requirements;

• Payment or card-program requirements;

• Legal or regulatory obligations;

• Business operations.

When material changes are made, we will update the Effective Date and, where required by applicable law, provide appropriate notice.

Your continued use of the Services after the effective date of updated Terms constitutes acceptance of the revised Terms to the extent permitted by law.

If you do not agree with material changes, you should stop using the affected Services and contact us regarding account closure or other available options.

26. Governing Law and Dispute Resolution

The parties will first attempt to resolve disputes concerning the Services through good-faith communication with AyiFlow Support.

You should contact:

Email: contact@edlinpay.com

If a dispute cannot be resolved informally, it will be handled in accordance with the applicable laws and competent courts or dispute-resolution procedures applicable to Solution Globale Multi Service LLC and the relevant transaction or Service.

Nothing in this section prevents a consumer from exercising mandatory rights or remedies that cannot legally be waived under applicable law.

Where a specific Service or card program is subject to separate mandatory dispute-resolution provisions, those provisions may apply to the relevant dispute.

27. Electronic Communications

By using AyiFlow, you consent to receiving electronic communications relating to your account and the Services, including:

• Transaction notifications;

• Security alerts;

• KYC and verification communications;

• Service notifications;

• Account-related messages;

• Changes to policies or terms;

• Support communications.

You are responsible for maintaining access to the email address and other contact information associated with your account.

Certain communications may be legally required to be provided electronically where permitted by applicable law.

28. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will continue in effect to the extent permitted by law.

29. No Waiver

If AyiFlow does not immediately enforce a provision of these Terms, that does not constitute a waiver of our right to enforce that provision later.

30. Entire Agreement

These Terms, together with the applicable AyiFlow Privacy Policy, Virtual Card Service Policy, fee disclosures, and any additional terms specifically presented for a particular Service, constitute the agreement governing your use of the relevant Services, except where a separate written agreement expressly applies.

31. Contact Us

If you have questions about these Terms or the AyiFlow Services, please contact us:

Solution Globale Multi Service LLC
AyiFlow
Email: contact@edlinpay.com
Website: https://edlinpay.com

For account, transaction, KYC, or virtual card support, please use the available AyiFlow support channels or contact our support team through the platform.