Welcome to Novapay AE. The following terms and conditions (these "Terms and Conditions") govern your use of this website and the services provided through the Reloadly widget on this site (collectively, the "Website").

By accessing, viewing, or using the content, material, or services available on or through this Website, you indicate that you have read and understand these Terms and Conditions, and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms and Conditions, you are not granted permission to use this Website and must exit immediately.

*1. Services:* We provide digital mobile top-up services through the Reloadly widget on our website. Customers select their carrier and the amount for top-up, and payments are processed securely through Stripe.

*2. Payments:* All payments for services on this website are processed securely through Stripe. By purchasing services from this website, you warrant that you are authorized to use the payment method you provide.

*3. Refund Policy:* Please refer to our refund policy [link to the refund policy] on this Website for details regarding refunds.

*4. Privacy:* We value your privacy. Please review our privacy policy [link to the privacy policy] to understand how we collect and use your personal information.

*5. Intellectual Property Rights:* All content on this website, including but not limited to text, graphics, logos, and images, is our property or the property of our licensors and is protected by copyright laws.

*6. Changes to these Terms and Conditions:* We reserve the right to update or modify these Terms and Conditions at any time. The amended Terms and Conditions will be effective immediately upon posting on the Website.

*7. Contact:* If you have any questions about these Terms and Conditions, please contact us at support@novapayae.com.