Terms of Service
Last Updated: October 17, 2026 • Legally Binding Contract with PAICEY LTD (RC: 9724436)
Contents & Quick Jump
1. Overview & Binding Agreement
These Terms of Service (these "Terms") constitute a legally binding agreement between you ("You," "Your," or "Member") and PAICEY LTD., including our affiliates and subsidiaries ("PAICEY," "We," "Our," or "Us"; registered in Nigeria under Registration Number RC: 9724436).
These Terms govern your access to and use of our mobile applications ("PAICEY App"), web application ("paicey.com" and subdomains), 4-segmentation Quality of Life (Physical, Mental, Environmental, Social) predictive models, 2x daily check-in protocols, step tracking engines, community workouts, and all associated software, features, and subscriptions (collectively, the "Services").
2. Eligibility & Account Registration
To use the Services, You must be at least thirteen (13) years of age. If You are between the ages of 13 and 18 (or the age of legal majority in Your jurisdiction), You may only use the Services under the direct supervision of a parent or legal guardian who agrees to be bound by these Terms. Paid subscription purchases require You to be at least eighteen (18) years of age or possess authorized parental consent.
WorkOS Passwordless Identity: Authentication is handled via WorkOS passwordless protocols (Email Magic Code, FIDO2/WebAuthn Passkeys, Google Sign-In, and TOTP Multi-Factor Authentication). You agree to keep your email account and biometric credentials secure. You are solely responsible for all activities that occur under your account.
Mandatory Identity Binding & Redundant Cloud Persistence: Subscription transactions cannot be conducted anonymously. All payments through Hydrogen Pay, Squad by HabariPay (GTCO), or Creem.io are permanently linked to your authenticated User ID (UID) and replicated across our distributed Bunny libSQL edge database and encrypted Scaleway S3 Object Storage (European Union nl-ams) to safeguard subscription entitlement history and prevent license duplication.
3. Modifications to Terms & Services
We may revise or update these Terms periodically to reflect changes in regulatory requirements, technical architecture, or new service offerings. If We make material modifications that adversely affect Your paid subscription entitlements or core features, We will notify You at least thirty (30) calendar days prior to the effective date via email to Your registered address or an administrative dashboard alert.
If You do not agree to the modified Terms, You may terminate Your subscription prior to the effective date and receive a pro-rata refund for any prepaid, unused subscription period. Continued access or use of the Services following the 30-day notice period constitutes acceptance of the revised Terms.
4. Health, Fitness, Safety Warnings & AI Model Disclaimers
PAICEY IS NOT A HEALTHCARE PROVIDER OR MEDICAL DIAGNOSTIC SERVICE: The Services, including the 4-segmentation Quality of Life (Physical, Mental, Environmental, Social) indices, 2x daily check-in evaluations, predictive recovery curves, and nutrition suggestions, are intended solely for general fitness, lifestyle habit development, and recreational well-being.
CONSULT A LICENSED PHYSICIAN: Physical exertion and workout regimens carry inherent risks of injury. You must consult a licensed physician or qualified medical doctor before undertaking any new workout routine, physical challenge, or dietary adjustment. Never disregard professional medical advice or delay seeking clinical medical treatment because of information or predictions displayed in PAICEY.
SAFETY & PHYSICAL ACTIVITY WARNINGS: If at any point during exercise or physical movement You experience faintness, dizziness, chest pain, nausea, shortness of breath, or sharp muscular pain, immediately cease all activity and seek emergency medical assistance. Ensure adequate warm-up, hydration, and safe workout environments.
AI & PREDICTIVE ALGORITHMS ARE INFORMATIONAL ONLY: Our predictive models, rolling forecast curves, and automated nudges use probabilistic algorithms to synthesize your historical check-in data. They are not clinical diagnostics, medical prognoses, or definitive forecasts of health outcomes.
VOLUNTARY ASSUMPTION OF RISK: You knowingly and voluntarily assume all risks, known or unknown, associated with your participation in physical fitness, exercises, and lifestyle modifications undertaken in connection with the Services.
5. Intellectual Property & Academic Provenance
All content, features, computational models, user interfaces, visual designs, animated graphics, brand logos, and source code comprising the Services are the proprietary intellectual property of PAICEY LTD. (RC: 9724436) and are protected by Nigerian, African, and international copyright, trademark, and trade secret laws.
6. Limited License & Prohibited Conduct
Subject to your compliance with these Terms, PAICEY grants You a limited, personal, revocable, non-exclusive, non-transferable, non-sublicensable license to download, install, and access the Services on compatible personal devices solely for your personal, non-commercial fitness tracking.
Prohibited Uses:
- You may not copy, modify, distribute, sell, lease, or reverse engineer any part of the Services or algorithmic models.
- You may not scrape, crawl, harvest, or extract data or kinetic formulas from the Services using automated scripts, bots, spiders, or scrapers.
- You may not circumvent, disable, or tamper with security protocols, WorkOS authentication tokens, Scaleway S3 cryptographic storage signatures, or Bunny Edge cache invalidation mechanisms.
- You may not use the Services for any clinical trial, medical diagnosis, commercial fitness reselling, or unlawful purpose.
7. User Content & Community Guidelines
You retain ownership of any profile notes, workout descriptions, or feedback You submit ("User Content"). By submitting User Content, You grant PAICEY a non-exclusive, royalty-free, worldwide license to host, display, and reproduce such content within the platform solely to operate the Services.
In community spaces, streak leaderboards, and shared workouts, You agree not to post defamatory, obscene, harassing, hateful, discriminatory, or infringing materials. PAICEY reserves the right to remove any User Content or suspend accounts violating community safety standards.
8. Subscriptions, Billing, Renewal & 14-Day Conditional Refund Policy
PAICEY provides premium subscription plans granting access to personalized predictive curves, 2x daily check-ins, advanced QOL diagnostics, and community workouts:
A. Subscription Tiers & Duration Stacking
Plans are available in 1-Month, 3-Month, 6-Month, 12-Month, and 18-Month commitment intervals. Active members may extend or renew their subscription at any time. When an active subscriber purchases additional months, the new duration stacks seamlessly onto their existing expiration date, preserving all accumulated days without forfeiture.
B. Auto-Renewal & Cancellation
Where recurring billing is enabled, subscriptions automatically renew for the same duration and price unless canceled at least twenty-four (24) hours before the renewal date. You may cancel your subscription at any time directly through your PAICEY web account dashboard at paicey.com. Cancellation stops future renewals; you retain full access until the end of your prepaid period.
14-Day Conditional Refund Policy & Statutory Remedies
If You are dissatisfied with your initial subscription purchase made directly on the PAICEY web platform (via Hydrogen Pay, Squad by HabariPay, or Creem.io), You may submit a refund request within fourteen (14) calendar days of the original purchase timestamp by delivering a written refund notice to support@paicey.com with your registered account email and payment transaction reference.
A full 100% refund of the subscription fee paid will be issued if our internal server records, Bunny libSQL database, and Scaleway S3 audit logs confirm zero logins, zero step syncs, and zero logged check-ins or assessments within fourteen (14) calendar days of the initial purchase timestamp.
If the application has been accessed or used during the 14-day window, a full refund will not apply. Any approved refund will be an objective partial refund, calculated on a transparent pro-rata basis deducting the elapsed active subscription days from the initial purchase date. No gateway or transaction penalties are applied to statutory cooling-off cancellations.
In accordance with Section 130 of the Nigerian Federal Competition and Consumer Protection Act 2018 (FCCPA), the UK Consumer Rights Act 2015, and applicable consumer laws, if the PAICEY platform experiences persistent server downtime, severe software defects that materially disrupt normal operation, or fails to deliver core advertised algorithmic features, You are entitled to a full or pro-rata refund upon written request regardless of prior login or app usage.
Exclusive Web-Only Subscriptions (No In-App Purchases): PAICEY does not offer in-app purchases, nor does the mobile application support new user registration or account creation. Subscriptions cannot be purchased or refunded through the Apple App Store or Google Play Store. All memberships and payments are processed exclusively on the official web platform (paicey.com), and refund requests are evaluated and settled directly by PAICEY in accordance with this 14-day policy.
9. Mobile App Distribution & Web-Only Subscriptions
The PAICEY mobile application is distributed through the Apple App Store and Google Play Store subject to the following operating terms:
- No Mobile Sign-Up or In-App Purchases: The mobile application does not facilitate new user registration or in-app payment transactions. PAICEY allows subscription activation exclusively through the website (paicey.com). The mobile app operates strictly as a companion client featuring login-only access for existing subscribers.
- Direct Relationship with PAICEY: These Terms are concluded solely between You and PAICEY LTD., and not with Apple Inc. or Google LLC. PAICEY LTD. is solely responsible for the PAICEY App, its content, security, and maintenance. Apple and Google have no obligation whatsoever to furnish any maintenance or customer support services for the PAICEY App.
- Third-Party Beneficiary Rights: Apple, Google, and their respective subsidiaries are third-party beneficiaries of these Terms in relation to mobile application distribution. Upon Your acceptance of these Terms, Apple and Google will have the right (and will be deemed to have accepted the right) to enforce these Terms against You as third-party beneficiaries.
- Web Payment Gateways: All billing, invoicing, and subscription renewals occur outside the mobile app stores and are processed via certified payment partners: Hydrogen Pay (Hydrogen Payment Services Company Limited / Access Bank Group), Squad by HabariPay (GTCO), and Creem.io.
10. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES, APPLICATION, PREDICTIVE ALGORITHMS, 4-PILLAR QOL SCORES, AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. PAICEY EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT.
PAICEY DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, FREE OF VIRUSES, OR THAT DEFECTS WILL BE CORRECTED, OR THAT THE ALGORITHMIC PREDICTIONS WILL MEET YOUR SPECIFIC FITNESS TARGETS.
11. Limitation of Liability
SUBJECT TO THE OVERARCHING NON-EXCLUDABLE CONSUMER RIGHTS ABOVE AND TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PAICEY LTD., ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, LICENSORS, OR PARTNERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, DATA, USE, GOODWILL, OR WORK STOPPAGE), REGARDLESS OF THE LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
SUBJECT TO STATUTORY LAW, IN NO EVENT SHALL PAICEY’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES EXCEED THE TOTAL SUBSCRIPTION FEES PAID BY YOU TO PAICEY IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED UNITED STATES DOLLARS ($100.00 USD) / ONE HUNDRED AND FIFTY THOUSAND NAIRA (₦150,000 NGN), WHICHEVER IS GREATER.
12. Indemnification & Statutory Waiver
You agree to defend, indemnify, and hold harmless PAICEY LTD., its officers, directors, employees, and agents from and against any third-party claims, liabilities, damages, judgments, awards, losses, costs, expenses, or reasonable legal fees arising directly out of your unlawful conduct, willful breach of these Terms, or violation of any third-party intellectual property or privacy rights.
California Civil Code § 1542 Waiver: If You are a California resident, You expressly waive California Civil Code § 1542, which states: "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party."
13. Dispute Resolution & Mandatory Binding Arbitration
Mandatory Informal Negotiation: Prior to initiating any formal legal proceeding, You and PAICEY agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Services informally for a period of at least thirty (30) days by delivering a written Notice of Dispute to legal@paicey.com.
A. For Residents of the Federal Republic of Nigeria
Any dispute not resolved informally shall be referred to and finally resolved by binding arbitration administered under the Arbitration and Mediation Act 2023 of the Federal Republic of Nigeria. The seat and venue of arbitration shall be Lagos State, Nigeria. The arbitration shall be conducted before a single arbitrator agreed upon by both parties, and proceedings shall be in English.
B. For UK & European Union Consumers
Under UK and European Union consumer protection directives, mandatory pre-dispute commercial arbitration cannot deprive consumers of access to their domestic judicial system. Consumers habitually resident in the United Kingdom or the European Economic Area may bring legal proceedings in the competent courts of their country of habitual residence.
C. For United States Consumers (Small Claims Exception)
Notwithstanding arbitration provisions, either You or PAICEY may bring an individual action in a small claims court of competent jurisdiction within the United States for qualifying claims within the scope of that court's statutory limits. Other disputes shall be resolved by final binding individual arbitration administered by the International Centre for Dispute Resolution (ICDR) of the American Arbitration Association (AAA).
D. Other International Jurisdictions
For non-Nigerian international residents outside the UK/EU, disputes not resolved informally shall be resolved by final and binding individual arbitration administered by the International Centre for Dispute Resolution (ICDR) of the American Arbitration Association (AAA) under its International Arbitration Rules.
14. Class Action & Jury Trial Waiver
WAIVER OF CLASS OR COLLECTIVE ACTIONS:
YOU AND PAICEY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS.
STATUTORY LIMITATION PERIODS:
Except where prohibited by applicable consumer protection laws (including the FCCPA 2018 and state or national limitation statutes which grant longer statutory limitation periods), any formal claim or arbitration proceeding arising out of or related to these Terms must be filed within the timeframe prescribed by applicable statutory limitation laws.
15. Termination & Survival
These Terms remain effective until terminated by either You or PAICEY. You may terminate these Terms by deleting your account and ceasing all use of the Services. PAICEY may suspend or terminate your account immediately if You violate these Terms, engage in fraud, or compromise system security.
All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, academic provenance, warranty disclaimers, indemnity, limitations of liability, and dispute resolution clauses.
16. Copyright Complaints & Intellectual Property
PAICEY respects the intellectual property rights of others and complies with the Nigerian Copyright Act 2022 and the United States Digital Millennium Copyright Act (DMCA). If You believe that material available on or through the Services infringes upon your copyright, please send a written takedown notice to our designated copyright agent at legal@paicey.com.
17. Corporate Entity & Contact Information
For customer support, billing inquiries, or formal legal notices regarding these Terms of Service, please reach out to us: