1️⃣ User Eligibility

Users must be at least 18 years old and legally capable of entering binding agreements.

2️⃣ Account Registration

Users must provide accurate registration details and maintain login confidentiality. All activity under your account remains your responsibility.

3️⃣ App Usage

Services are provided for lawful personal use only. Unauthorized access, misuse, or reverse engineering is strictly prohibited.

4️⃣ Transactions & Payments

All payments are subject to verification. Users must ensure accuracy of payment details. We are not responsible for errors due to incorrect information provided by users.

5️⃣ Refunds & Disputes

Refunds are governed by our Refund Policy. Disputes must be reported immediately to our support team.

6️⃣ Intellectual Property

All app content, branding, and trademarks are the property of LTM Smart Pay. Unauthorized usage is prohibited.

7️⃣ Third-Party Services

Our platform may integrate third-party services such as payment gateways. Users should review their policies separately.

8️⃣ Limitation of Liability

We are not liable for indirect or consequential damages arising from app usage. Services are used at your own risk.

9️⃣ Changes to Terms

We reserve the right to update these terms at any time. Continued use of the app indicates acceptance of updated terms.

📞 Contact Information