By using Chatflo or Payflo AI, you agree to these Terms of Use and the Privacy Policy. If you do not agree, stop using the service.
1. Introduction
These Terms of Use apply to your access to and use of Payflo AI, including any Payflo AI service provided through WhatsApp, web platforms, dashboards, mobile applications (including Chatflo), APIs, partner systems, or any other Payflo-approved channel.
Payflo AI is a WhatsApp-based digital assistant and automation tool used by merchants, customers, staff, partners, and other users for various Payflo-related services.
By using Chatflo or Payflo AI, sending messages to Payflo on WhatsApp, clicking a link, submitting information, accessing a Payflo service, or continuing to interact with Payflo AI, you agree to these Terms of Use.
If you do not agree with these Terms, you must stop using Payflo AI and Chatflo.
2. Definitions
In these Terms:
- “Payflo,” “we,” “us,” or “our” means Payflo Systems Pty Ltd, its employees, contractors, agents, partners, affiliates, and authorized service providers.
- “Payflo AI” means Payflo’s artificial intelligence, automation, chatbot, digital assistant, messaging, reporting, support, and related tools.
- “User,” “you,” or “your” means any person, merchant, customer, staff member, business, partner, or organization that uses Payflo AI or Chatflo.
- “Merchant” means a business, trader, store owner, seller, agent, or other commercial user of Payflo products or services.
- “Customer” means a person who interacts with Payflo AI or Chatflo for services connected to Payflo, a merchant, a product, a support request, a transaction, registration, promotion, or any other Payflo-related purpose.
- “Content” means any message, file, image, document, voice note, video, product list, stock data, transaction data, customer information, business information, instruction, request, or other material submitted through Payflo AI or Chatflo.
3. What Payflo AI Does
Payflo AI and Chatflo may be used for different purposes depending on the service, including:
- Answering questions
- Assisting merchants and customers
- Supporting Payflo products and services
- Helping with stock, orders, sales, products, reports, and customer service
- Providing automated replies and guidance
- Collecting information for registrations, onboarding, support, promotions, or service delivery
- Sending alerts, reminders, confirmations, and updates
- Helping Payflo improve its systems, services, fraud detection, and user experience
Payflo may add, remove, change, limit, or suspend any Payflo AI or Chatflo feature at any time.
4. Service-Specific Terms
Some Payflo AI services may have their own additional terms, rules, prices, policies, limits, or conditions. For example, additional terms may apply to:
- Merchant services
- Payflo Max
- Payflo Restock
- Payflo Asset Recovery
- Customer support
- Promotions and competitions
- Stock or product tools
- Transaction-related services
- Partner or supplier services
- AI-generated reports or recommendations
If there is a conflict between these general Terms and specific terms for a particular service, the service-specific terms will apply to that service.
5. Eligibility
To use Payflo AI or Chatflo, you must:
- Be legally allowed to use the service
- Provide accurate information
- Use the service for lawful purposes only
- Have authority to act on behalf of a business, merchant, or organization where applicable
- Have permission to share any information you submit about another person, customer, staff member, business, product, or transaction
Payflo may refuse, suspend, or terminate access where we believe a user is not eligible or is misusing the service.
6. Use Through WhatsApp
Payflo AI may operate through WhatsApp and other messaging platforms. When you use Payflo AI through WhatsApp, you also agree to comply with WhatsApp’s own terms, policies, and rules.
Payflo is not responsible for WhatsApp outages, account restrictions, delivery failures, platform changes, message delays, or any action taken by WhatsApp, Meta, or related service providers.
You understand that WhatsApp is a third-party platform and that Payflo does not fully control how WhatsApp operates.
7. Consent to Receive Messages
By starting or continuing a conversation with Payflo AI, submitting your phone number, joining a Payflo service, or asking to receive support or updates, you consent to receive messages from Payflo through Chatflo, WhatsApp, or other approved channels. These messages may include:
- Service replies
- Account updates
- Support messages
- Transactional or operational notifications
- Registration or onboarding messages
- Reminders and alerts
- Promotional or marketing messages, where permitted
- Security or fraud-related messages
- AI-generated responses
You may opt out of promotional messages by following the instructions provided or by contacting Payflo. Even if you opt out of marketing, Payflo may still send important service, security, account, legal, or transactional messages.
8. AI Responses and Accuracy
Payflo AI uses automated systems and artificial intelligence to generate responses, summaries, recommendations, alerts, reports, and other outputs. AI-generated information may be incomplete, delayed, inaccurate, misunderstood, or based on limited information.
You should not rely only on Payflo AI for important decisions involving:
- Money
- Legal rights
- Employment
- Health or safety
- Emergency situations
- Fraud accusations
- Business-critical decisions
- High-value transactions
- Disputes or complaints
Where necessary, you should request human support or professional advice. Payflo may correct, update, override, remove, or disregard AI-generated outputs where appropriate.
9. Not Emergency, Legal, Financial, or Medical Advice
Payflo AI is not an emergency service. You must not use Payflo AI or Chatflo as your only method of contacting emergency services, police, medical providers, courts, regulators, banks, or other urgent authorities.
Unless Payflo clearly states otherwise in writing, Payflo AI does not provide legal, financial, tax, medical, accounting, investment, or professional advice. Any information provided by Payflo AI is for general assistance and service support only.
10. User Responsibilities
You are responsible for:
- The accuracy of information you provide
- Keeping your phone, WhatsApp account, Chatflo account, login details, passwords, and devices secure
- Checking important information before relying on it
- Ensuring you have permission to submit third-party information
- Ensuring your use of Payflo AI and Chatflo is lawful
- Ensuring that business or customer data you submit was collected lawfully
- Reviewing AI outputs before acting on them
- Following all applicable Payflo service rules and policies
Payflo is not responsible for loss caused by incorrect information submitted by you or by your failure to verify important information.
11. Merchant Responsibilities
Merchants using Payflo AI or Chatflo are responsible for:
- Their products, prices, stock, services, employees, customers, and business operations
- Ensuring customer information is collected and shared lawfully
- Honouring valid offers, orders, refunds, discounts, and promotions where applicable
- Ensuring their staff use Payflo AI correctly
- Checking reports, recommendations, and AI-generated summaries
- Keeping Payflo account access secure
- Not misrepresenting their business or products
- Complying with consumer protection, tax, licensing, trading, employment, and other applicable laws
Payflo may provide technology, automation, reporting, and support tools, but merchants remain responsible for their own business conduct.
12. Customer Responsibilities
Customers using Payflo AI or Chatflo are responsible for:
- Providing accurate information
- Not submitting false claims, fake details, or misleading requests
- Not abusing merchant, Payflo, or partner services
- Checking service terms before participating in promotions, registrations, purchases, or other activities
- Keeping their WhatsApp account, Chatflo account, and device secure
- Reporting suspicious activity promptly
13. Prohibited Use
You must not use Payflo AI or Chatflo to:
- Break the law
- Commit fraud or assist fraud
- Impersonate another person or business
- Submit false, misleading, stolen, or unauthorized information
- Harass, threaten, abuse, defame, or harm others
- Send spam or unauthorized marketing
- Upload malware, harmful files, or malicious links
- Attack, overload, scrape, reverse engineer, or interfere with Payflo systems
- Bypass Payflo security controls
- Access another user’s account or data without permission
- Submit confidential information you are not authorized to share
- Generate harmful, illegal, discriminatory, exploitative, or abusive content
- Use the service for any purpose that may damage Payflo, merchants, customers, partners, or the public
Payflo may suspend or terminate access immediately where prohibited use is suspected.
14. User Content
You remain responsible for the content you submit to Payflo AI or Chatflo. By submitting content, you confirm that:
- You have the right to submit it
- It is accurate to the best of your knowledge
- It does not violate the rights of another person or business
- Payflo may process it to provide services and improve Payflo systems
You grant Payflo a worldwide, non-exclusive, royalty-free right to use, process, store, reproduce, format, analyze, transmit, display, and create outputs from your content for purposes related to Payflo services, operations, security, compliance, support, analytics, and improvement.
This does not mean Payflo owns your personal information. Personal information is handled according to the Payflo AI Privacy Policy.
15. Anonymized and Aggregated Data
Payflo may create anonymized, aggregated, statistical, or de-identified data from information submitted through Payflo AI, Chatflo, and related services.
Where data can no longer reasonably identify a person, customer, merchant, staff member, or business, Payflo may own, use, retain, analyze, commercialize, and improve services using that anonymized or aggregated data. Payflo may use such data to:
- Improve Payflo AI
- Train and test better AI models
- Build better user experiences
- Improve merchant tools
- Understand business and market trends
- Improve fraud detection
- Improve service quality
- Develop new products and services
- Produce non-identifying reports and insights
Payflo will not intentionally use anonymized or aggregated data to identify you personally, unless required for security, fraud prevention, legal compliance, or where permitted by law.
16. Privacy
Your use of Payflo AI and Chatflo is also governed by the Payflo AI Privacy Policy. The Privacy Policy explains how Payflo collects, uses, stores, shares, protects, and processes personal information.
By using Payflo AI or Chatflo, you agree that Payflo may process information as described in the Privacy Policy.
17. Payments, Balances, Orders, and Transactions
Some Payflo AI services may involve payments, balances, orders, prepaid services, merchant accounts, wallet balances, delivery requests, stock purchases, product purchases, or transaction-related information. Where applicable:
- Transactions may be subject to confirmation, verification, limits, fees, reversals, delays, or approval
- Payflo may refuse or delay a transaction where fraud, error, abuse, insufficient funds, system failure, compliance risk, or suspicious activity is suspected
- Payflo may correct obvious errors
- Transaction records generated by Payflo systems may be used as evidence of activity
- Users must check transaction details before confirming any request
- Payflo is not responsible for losses caused by incorrect numbers, incorrect instructions, unauthorized account access, or false information provided by the user
Additional payment, merchant, or product-specific terms may apply.
18. Fees and Charges
Some Payflo AI services may be free, while others may be paid, commission-based, subscription-based, usage-based, transaction-based, or subject to merchant-specific pricing.
Payflo may introduce, change, or remove fees by giving notice through Chatflo, WhatsApp, dashboard, website, contract, invoice, or another reasonable channel.
You are responsible for any fees, taxes, charges, network costs, data costs, or third-party charges related to your use of Payflo AI or Chatflo.
19. Promotions and Campaigns
Payflo AI may support promotions, campaigns, discounts, competitions, rewards, merchant offers, partner offers, or sponsored activities. Each promotion may have its own rules, eligibility criteria, start date, end date, rewards, limits, and conditions.
Payflo may cancel, suspend, amend, or refuse participation in a promotion where fraud, abuse, error, stock limitation, partner issue, system failure, or unfair conduct is suspected.
Unless clearly stated, promotions are not guaranteed, transferable, redeemable for cash, or available indefinitely.
20. Third-Party Services and Partners
Payflo AI and Chatflo may connect with or rely on third parties, including:
- Meta
- Cloud providers
- AI providers
- Payment providers
- Merchants
- Delivery partners
- Suppliers
- Verification providers
- Analytics providers
- Support tools
- Other business partners
Payflo is not responsible for third-party services, systems, outages, delays, errors, prices, stock availability, policies, or conduct unless required by law or expressly agreed in writing. Your use of third-party services may be subject to their own terms and policies.
21. Account Security
You are responsible for keeping your WhatsApp account, Chatflo account, Payflo account, device, password, PIN, login details, and staff access secure.
Payflo may treat instructions received from your verified phone number, account, device, or authorized user as valid unless Payflo has reason to suspect unauthorized activity.
You must notify Payflo immediately if you suspect unauthorized access, fraud, loss of device, staff misuse, account compromise, or incorrect activity. Payflo may suspend or restrict access to protect users, merchants, customers, or Payflo systems.
22. Suspension and Termination
Payflo may suspend, limit, block, or terminate your access to Payflo AI or Chatflo if:
- You breach these Terms
- You misuse the service
- You provide false or misleading information
- Fraud, abuse, suspicious activity, or security risk is suspected
- Required by law, regulator, court, partner, platform, or service provider
- Your account creates risk to Payflo, merchants, customers, partners, or the public
- The service is discontinued or changed
- You fail to pay applicable fees
Payflo may also suspend or limit features for maintenance, upgrades, system protection, or operational reasons.
23. System Availability
Payflo aims to provide reliable services, but Payflo AI and Chatflo may sometimes be unavailable, delayed, interrupted, inaccurate, or limited due to:
- WhatsApp or third-party outages
- Internet or network failures
- Maintenance
- Updates
- Security issues
- Power failures
- Provider limitations
- High usage
- Technical errors
- Events outside Payflo’s control
Payflo does not guarantee that Payflo AI or Chatflo will always be available, error-free, uninterrupted, secure, or suitable for every purpose.
24. Intellectual Property
Payflo owns or licenses all rights in Payflo AI and Chatflo, including software, systems, workflows, prompts, designs, branding, logos, text, content, databases, models, tools, analytics, reports, and related technology.
You may not copy, reproduce, sell, modify, reverse engineer, resell, exploit, or create competing services from Payflo AI or Chatflo unless Payflo gives written permission.
Payflo may use feedback, suggestions, ideas, corrections, or feature requests you provide without owing compensation, provided that personal information is handled according to the Privacy Policy.
25. AI Outputs
Payflo AI may generate responses, summaries, suggestions, captions, messages, reports, insights, recommendations, classifications, or other outputs. Unless otherwise agreed:
- AI outputs are provided for assistance only
- You are responsible for reviewing outputs before use
- Payflo does not guarantee that outputs are complete, accurate, lawful, suitable, or free from errors
- Payflo may use outputs and related interaction data to improve its systems
- Payflo may restrict certain outputs for safety, legal, compliance, ethical, or operational reasons
26. Confidentiality
Users may receive information through Payflo AI or Chatflo that is confidential, private, business-sensitive, or intended only for a specific person or business.
You must not share, publish, misuse, or disclose confidential information that does not belong to you or that you are not authorized to disclose. Payflo may take action where confidential information is misused.
27. Limitation of Liability
To the maximum extent permitted by law, Payflo will not be liable for:
- Loss of profits
- Loss of revenue
- Loss of business
- Loss of data
- Loss of goodwill
- Indirect or consequential loss
- Missed sales
- Incorrect user-submitted information
- AI errors or misunderstandings
- WhatsApp or third-party platform failures
- Unauthorized access caused by user negligence
- Service interruptions
- Decisions made solely based on AI outputs
Where Payflo is legally liable, Payflo’s liability will be limited to the amount paid by you for the specific Payflo AI service giving rise to the claim during the three months before the claim, unless the law requires otherwise.
28. Indemnity
You agree to indemnify and hold Payflo harmless from claims, losses, damages, penalties, costs, expenses, or legal fees arising from:
- Your breach of these Terms
- Your misuse of Payflo AI or Chatflo
- False or misleading information submitted by you
- Your unlawful use of another person’s information
- Your business operations
- Your products or services
- Your breach of third-party rights
- Fraud, abuse, or unauthorized activity caused by you or your staff
29. Complaints and Support
If you have a complaint, dispute, or support request, contact Payflo through the official Payflo support channels. Payflo may require information to verify your identity, account, transaction, merchant relationship, or service request.
Payflo will make reasonable efforts to investigate and respond to complaints, but response times may vary depending on the issue.
30. Changes to These Terms
Payflo may update these Terms from time to time.
Payflo may notify users through Chatflo, WhatsApp, website, dashboard, app, email, contract notice, or another reasonable channel.
Your continued use of Payflo AI or Chatflo after updated Terms are published or communicated means you accept the updated Terms. If you do not agree with the updated Terms, you must stop using Payflo AI and Chatflo.
31. Governing Law
These Terms are governed by the laws of Botswana. Where possible, disputes should first be resolved through good-faith communication with Payflo. If a dispute cannot be resolved informally, it may be referred to the courts or other lawful dispute resolution process available in Botswana, unless another written agreement applies.
32. Contact Payflo
For questions, support, complaints, privacy requests, or legal notices, contact:
For legal or privacy matters, please use the subject Legal / Privacy Request.