1. Acceptance

By accessing or using ODELPay HUB (including Higher and Schools tuition checkout, school admin tools, OpenPayGB wallet and card, merchant tools such as LiveStore / payment links / bills & airtime, Stars tips and rewards, On/Off trading, Dex Hub, the ODEI OS surfaces that host ODELPay, ODELPay HUB Copilot, Telegram bot / Mini App, and developer APIs), you agree to these Platform Terms of Service, the Terms of Use, the Disclaimer, the Risk Disclosure, the Payment Provider Policy, and our Platform Privacy Policy. If you do not agree, do not use the platform.

AssessmentVerse OS is a separate product hosted on ODEI OS. Its own terms govern its use; ODELPay HUB terms do not make it part of ODELPay.

The production web origin is https://odelpay.vercel.app unless your institution or the platform operator publishes a different branded host.

2. Nature of the service

ODELPay HUB is school-fee and payments software offered as a service (SaaS). It runs on ODEI OS, the shared operating layer that also hosts AssessmentVerse OS — a separate assessment product with its own terms. ODELPay HUB provides multi-tenant institution workspaces, checkout, receipts, OpenPayGB consumer and merchant tools, and Dex infrastructure. The operator provides software and settlement tooling only.

ODELPay HUB is not a bank, does not accept deposits, does not pay interest, and is not itself licensed by the Bank of Uganda as a payment service provider. Mobile-money, card and bank payments are collected and paid out by payment service providers licensed under Uganda's National Payment Systems Act, 2020. The operator does not give investment, legal or tax advice and does not guarantee the outcome of any third-party provider, network or market.

ODELPay HUB is a jurisdiction-aware Software-as-a-Service (SaaS) ecosystem for education payments and digital settlement.

Software as a Service (SaaS) means institutions subscribe to a hosted workspace on ODELPay HUB — they do not install or self-host the platform. Workspace plans (Free, Starter, Growth, Enterprise) cover admin seats plus gated platform features (staff portal, bulk import, exports, advertise, support posture); student tuition take-rates and Partner/white-label plans are separate commercial packages. Enterprise is Master-assigned with a negotiated base fee — not free self-serve.

Institutions and schools operate separate hosted workspaces; payers, students, and partners interact through published checkout flows, receipts, mobile-money and TON rails, OPGB ledger balances, and optional Dex liquidity tools.

OpenPayGB merchant surfaces (LiveStore storefronts, shareable payment links, bills & airtime) let signed-in OpenPayGB users list goods, services, digital items, printables, videos, and donations and collect via hosted MoMo checkout. Merchants are responsible for fulfilment, accurate product descriptions, and lawful use of utility top-ups.

Workspace SaaS plans charge the catalog amount only (e.g. Starter UGX 150,000/month; annual = 10× monthly). OPGB Card adds 0% on top; TON converts catalog UGX at FX (wallet pays network fees); MoMo may add an optional Master-labeled “MoMo processing” surcharge. Enterprise charges Master-negotiated workspaceBaseFeeUgx (Owners cannot activate Enterprise at UGX 0). MAC can enable Free/Starter explore trials (configurable days); when the period ends the workspace becomes past_due until renewed. Tuition checkoutFeePackage take-rates never apply to workspace plan payment.

Features may change, be gated by master policy, or require separate institution approval. URAPearls / Clicker mini-app terms are separate — see /clicker/terms when using the Play Hub.

3. Fees and fee changes

Checkout may include a platform fee (percent, fixed, or hybrid) according to the workspace package, institution tier, or a custom override set by the platform operator. Workspace SaaS catalog fees (admin seats) are billed separately from student tuition fees. Partner / white-label plans apply to developer apps. Free or Starter workspace explore trials, when enabled, may expire into past_due until the owner renews.

The total you pay — including any platform or processing fee — is shown before you confirm. We do not charge fees that were not shown to you. We give at least 30 days' notice (in the product and/or by registered email) before increasing any checkout fee, workspace plan price or OpenPayGB card fee that applies to you; reductions may apply immediately.

The OpenPayGB card is a closed-loop prepaid platform balance for paying within the ODELPay ecosystem. It is not a bank account or bank card, is not an insured deposit and earns no interest. A one-time activation fee and a monthly fee apply only in months the card is used (idle months are not billed). Fees differ by holder category — students, parents and staff are priced by level (primary, secondary, university/Higher), with separate categories for guests, Teacher and Lecturer workspace admins, institution admins, platform admins and developers. The applicable fee is shown on the card screen before you pay.

4. Jurisdiction-aware operation

Jurisdiction-aware means the ecosystem autonomously adapts rails, currency, academic calendars, commercial packaging, and policy posture to where each institution operates — for example Uganda UGX with MTN/Airtel MoMo, Higher (semester) vs Schools (term) models, tiered checkout packages, and privacy rights that vary by region — under Master Admin policy and licensed PSP contracts.

You are responsible for complying with laws applicable to your institution and payers. The platform operator selects licensed providers and rails under Master Admin policy; availability of a rail is not a warranty of fitness for every jurisdiction.

5. Accounts, eligibility and identity checks

School admins, master operators, students, staff, parents, guests, developers, and API integrators must provide accurate information and keep credentials confidential. You are responsible for activity under your account, Telegram identity, or API keys. Accounts for children are created and managed by their institution, which is responsible for any parent or guardian consent required by law.

Self-serve school workspace registration and developer app registration may require email verification and master approval before production checkout is enabled.

To meet obligations under Uganda's Anti-Money Laundering Act, 2013 (as amended) and our payment providers' requirements, we or our providers may ask for identity information, verify it, keep transaction records, apply limits, refuse or delay a transaction, and report suspicious activity to the Financial Intelligence Authority where the law requires.

6. Payments & settlement

Quoted amounts, FX rates, platform fees, and settlement rails are shown at checkout. Confirmed payments produce receipts and ledger entries. Payments are usually confirmed within minutes but depend on provider and network confirmation times, which we do not control.

Tuition and merchant payments settle to the institution or merchant through the licensed provider on that provider's schedule.

OpenPayGB (OPGB) is an internal settlement unit (Phase 1: 1 OPGB = 1 UGX for bookkeeping). Crypto and Dex quotes are indicative until execution; see Risk Disclosure and Disclaimer.

Schools use term-based fee ledgers (Assign bill / fee ledger). Higher institutions use programme / semester / year fee selection. Receipts show total billed and amounts paid where applicable.

7. Acceptable use

You may not use ODELPay HUB for fraud, money laundering, terrorist financing, sanctions evasion, unauthorized access, market manipulation on Dex/P2P surfaces, or interference with platform operations. Merchants, developers and institutions must not describe ODELPay HUB as a bank or as licensed or endorsed by any regulator or brand owner. We may suspend workspaces, API keys, cards, or accounts that violate these terms or applicable law.

8. Disclaimers & liability

The platform is provided "as is" and "as available". We do not guarantee uninterrupted service, error-free quotes, or suitability for every jurisdiction. To the extent permitted by law, our liability is limited to fees paid to us for the affected transaction in the prior twelve months. Nothing in these terms limits rights you have under applicable consumer-protection or data-protection law. See also /policies/disclaimer and /policies/risk-disclosure.

9. Complaints

Raise complaints through the Help center (/help), ODELPay HUB Copilot, or the support contacts shown in the product, with your receipt or reference. Complaints about a payment collected by a licensed provider may also be raised with that provider; if a licensed provider does not resolve it, you may escalate to the Bank of Uganda's consumer complaints channel for its licensees. Data-protection complaints may be raised with the Personal Data Protection Office (see Privacy Policy).

10. Trademarks

MTN, MoMo, Airtel, Visa, Mastercard, TON, Telegram, Flutterwave, Paystack, LivePay, Relworx, VixonPay, Mbiyo and other names are trademarks of their owners. They are used only to describe payment options or integrations available on the platform and do not imply endorsement or partnership unless stated in a separate written agreement.

11. Changes & contact

We may update these terms. Material changes — including any fee increase — are notified at least 30 days before they take effect, via the platform or registered email. Continued use after the effective date constitutes acceptance.

Questions: use the Help center (/help), ODELPay HUB Copilot, or support contacts configured in Site UI settings. Product identity: /about. Full public site map: /help/platform-site-map.

1. Acceptance

By accessing or using ODELPay HUB (including Higher and Schools tuition checkout, school admin tools, OpenPayGB wallet and card, merchant tools such as LiveStore / payment links / bills & airtime, Stars tips and rewards, On/Off trading, Dex Hub, the ODEI OS surfaces that host ODELPay, ODELPay HUB Copilot, Telegram bot / Mini App, and developer APIs), you agree to these Platform Terms of Service, the Terms of Use, the Disclaimer, the Risk Disclosure, the Payment Provider Policy, and our Platform Privacy Policy. If you do not agree, do not use the platform.

AssessmentVerse OS is a separate product hosted on ODEI OS. Its own terms govern its use; ODELPay HUB terms do not make it part of ODELPay.

The production web origin is https://odelpay.vercel.app unless your institution or the platform operator publishes a different branded host.

2. Nature of the service

ODELPay HUB is school-fee and payments software offered as a service (SaaS). It runs on ODEI OS, the shared operating layer that also hosts AssessmentVerse OS — a separate assessment product with its own terms. ODELPay HUB provides multi-tenant institution workspaces, checkout, receipts, OpenPayGB consumer and merchant tools, and Dex infrastructure. The operator provides software and settlement tooling only.

ODELPay HUB is not a bank, does not accept deposits, does not pay interest, and is not itself licensed by the Bank of Uganda as a payment service provider. Mobile-money, card and bank payments are collected and paid out by payment service providers licensed under Uganda's National Payment Systems Act, 2020. The operator does not give investment, legal or tax advice and does not guarantee the outcome of any third-party provider, network or market.

ODELPay HUB is a jurisdiction-aware Software-as-a-Service (SaaS) ecosystem for education payments and digital settlement.

Software as a Service (SaaS) means institutions subscribe to a hosted workspace on ODELPay HUB — they do not install or self-host the platform. Workspace plans (Free, Starter, Growth, Enterprise) cover admin seats plus gated platform features (staff portal, bulk import, exports, advertise, support posture); student tuition take-rates and Partner/white-label plans are separate commercial packages. Enterprise is Master-assigned with a negotiated base fee — not free self-serve.

Institutions and schools operate separate hosted workspaces; payers, students, and partners interact through published checkout flows, receipts, mobile-money and TON rails, OPGB ledger balances, and optional Dex liquidity tools.

OpenPayGB merchant surfaces (LiveStore storefronts, shareable payment links, bills & airtime) let signed-in OpenPayGB users list goods, services, digital items, printables, videos, and donations and collect via hosted MoMo checkout. Merchants are responsible for fulfilment, accurate product descriptions, and lawful use of utility top-ups.

Workspace SaaS plans charge the catalog amount only (e.g. Starter UGX 150,000/month; annual = 10× monthly). OPGB Card adds 0% on top; TON converts catalog UGX at FX (wallet pays network fees); MoMo may add an optional Master-labeled “MoMo processing” surcharge. Enterprise charges Master-negotiated workspaceBaseFeeUgx (Owners cannot activate Enterprise at UGX 0). MAC can enable Free/Starter explore trials (configurable days); when the period ends the workspace becomes past_due until renewed. Tuition checkoutFeePackage take-rates never apply to workspace plan payment.

Features may change, be gated by master policy, or require separate institution approval. URAPearls / Clicker mini-app terms are separate — see /clicker/terms when using the Play Hub.

3. Fees and fee changes

Checkout may include a platform fee (percent, fixed, or hybrid) according to the workspace package, institution tier, or a custom override set by the platform operator. Workspace SaaS catalog fees (admin seats) are billed separately from student tuition fees. Partner / white-label plans apply to developer apps. Free or Starter workspace explore trials, when enabled, may expire into past_due until the owner renews.

The total you pay — including any platform or processing fee — is shown before you confirm. We do not charge fees that were not shown to you. We give at least 30 days' notice (in the product and/or by registered email) before increasing any checkout fee, workspace plan price or OpenPayGB card fee that applies to you; reductions may apply immediately.

The OpenPayGB card is a closed-loop prepaid platform balance for paying within the ODELPay ecosystem. It is not a bank account or bank card, is not an insured deposit and earns no interest. A one-time activation fee and a monthly fee apply only in months the card is used (idle months are not billed). Fees differ by holder category — students, parents and staff are priced by level (primary, secondary, university/Higher), with separate categories for guests, Teacher and Lecturer workspace admins, institution admins, platform admins and developers. The applicable fee is shown on the card screen before you pay.

4. Jurisdiction-aware operation

Jurisdiction-aware means the ecosystem autonomously adapts rails, currency, academic calendars, commercial packaging, and policy posture to where each institution operates — for example Uganda UGX with MTN/Airtel MoMo, Higher (semester) vs Schools (term) models, tiered checkout packages, and privacy rights that vary by region — under Master Admin policy and licensed PSP contracts.

You are responsible for complying with laws applicable to your institution and payers. The platform operator selects licensed providers and rails under Master Admin policy; availability of a rail is not a warranty of fitness for every jurisdiction.

5. Accounts, eligibility and identity checks

School admins, master operators, students, staff, parents, guests, developers, and API integrators must provide accurate information and keep credentials confidential. You are responsible for activity under your account, Telegram identity, or API keys. Accounts for children are created and managed by their institution, which is responsible for any parent or guardian consent required by law.

Self-serve school workspace registration and developer app registration may require email verification and master approval before production checkout is enabled.

To meet obligations under Uganda's Anti-Money Laundering Act, 2013 (as amended) and our payment providers' requirements, we or our providers may ask for identity information, verify it, keep transaction records, apply limits, refuse or delay a transaction, and report suspicious activity to the Financial Intelligence Authority where the law requires.

6. Payments & settlement

Quoted amounts, FX rates, platform fees, and settlement rails are shown at checkout. Confirmed payments produce receipts and ledger entries. Payments are usually confirmed within minutes but depend on provider and network confirmation times, which we do not control.

Tuition and merchant payments settle to the institution or merchant through the licensed provider on that provider's schedule.

OpenPayGB (OPGB) is an internal settlement unit (Phase 1: 1 OPGB = 1 UGX for bookkeeping). Crypto and Dex quotes are indicative until execution; see Risk Disclosure and Disclaimer.

Schools use term-based fee ledgers (Assign bill / fee ledger). Higher institutions use programme / semester / year fee selection. Receipts show total billed and amounts paid where applicable.

7. Acceptable use

You may not use ODELPay HUB for fraud, money laundering, terrorist financing, sanctions evasion, unauthorized access, market manipulation on Dex/P2P surfaces, or interference with platform operations. Merchants, developers and institutions must not describe ODELPay HUB as a bank or as licensed or endorsed by any regulator or brand owner. We may suspend workspaces, API keys, cards, or accounts that violate these terms or applicable law.

8. Disclaimers & liability

The platform is provided "as is" and "as available". We do not guarantee uninterrupted service, error-free quotes, or suitability for every jurisdiction. To the extent permitted by law, our liability is limited to fees paid to us for the affected transaction in the prior twelve months. Nothing in these terms limits rights you have under applicable consumer-protection or data-protection law. See also /policies/disclaimer and /policies/risk-disclosure.

9. Complaints

Raise complaints through the Help center (/help), ODELPay HUB Copilot, or the support contacts shown in the product, with your receipt or reference. Complaints about a payment collected by a licensed provider may also be raised with that provider; if a licensed provider does not resolve it, you may escalate to the Bank of Uganda's consumer complaints channel for its licensees. Data-protection complaints may be raised with the Personal Data Protection Office (see Privacy Policy).

10. Trademarks

MTN, MoMo, Airtel, Visa, Mastercard, TON, Telegram, Flutterwave, Paystack, LivePay, Relworx, VixonPay, Mbiyo and other names are trademarks of their owners. They are used only to describe payment options or integrations available on the platform and do not imply endorsement or partnership unless stated in a separate written agreement.

11. Changes & contact

We may update these terms. Material changes — including any fee increase — are notified at least 30 days before they take effect, via the platform or registered email. Continued use after the effective date constitutes acceptance.

Questions: use the Help center (/help), ODELPay HUB Copilot, or support contacts configured in Site UI settings. Product identity: /about. Full public site map: /help/platform-site-map.