Terms of Service
Last updated: June 2026
These terms govern your access to and use of the COCO PAY CRM platform provided by NOCOMP FZCO.
1. Agreement
By accessing or using the COCO PAY CRM platform (the “Service”), you agree to these Terms of Service. If you are entering into these terms on behalf of a company, you represent that you are authorised to do so. COCO PAY CRM is owned and operated by NOCOMP FZCO, a UAE company located at IFZA Business Park, DDP, Premises Number 43483-001, Dubai Silicon Oasis, Dubai, United Arab Emirates.
2. The Service
The Service provides payment orchestration, smart routing, CRM, subscription billing, revenue recovery, risk controls and related reporting. The Service routes transactions to the payment processors and merchant accounts that you connect and configure; we are a technology provider and are not the acquirer or processor of record.
3. Eligibility & accounts
You must provide accurate account information and keep your credentials secure. You are responsible for all activity under your account and for the conduct of your authorised users.
4. Your responsibilities
- Maintaining valid agreements with your payment processors, gateways and acquiring banks.
- Ensuring your use of the Service and your underlying business comply with applicable laws, card-network rules and processor requirements.
- Handling cardholder and customer data in accordance with PCI-DSS and applicable data-protection law.
5. Acceptable use
You may not use the Service for unlawful, fraudulent, or prohibited activities, to process transactions you are not authorised to process, to evade card-network or processor rules, or to attempt to disrupt, reverse-engineer or gain unauthorised access to the Service.
6. Fees
Fees are as agreed in your order or commercial agreement with us. Unless stated otherwise, fees are exclusive of taxes, which are your responsibility.
7. Intellectual property
The Service, including all software, designs and content, is owned by NOCOMP FZCO and its licensors. We grant you a limited, non-exclusive, non-transferable right to use the Service during your subscription.
8. Confidentiality
Each party will protect the other’s confidential information and use it only to perform under these terms.
9. Disclaimers
The Service is provided “as is”. To the maximum extent permitted by law, we disclaim all implied warranties. We do not guarantee that any specific approval rate, uptime or recovery outcome will be achieved, as these depend on factors outside our control, including processor and issuer behaviour.
10. Limitation of liability
To the maximum extent permitted by law, neither party is liable for indirect, incidental or consequential damages, and our aggregate liability arising out of or relating to the Service is limited to the fees paid by you for the Service in the twelve months preceding the claim.
11. Indemnification
You will indemnify us against claims arising from your use of the Service in breach of these terms or applicable law.
12. Term & termination
Either party may terminate as set out in your commercial agreement or for material breach. Upon termination, your right to use the Service ends and we will handle your data in accordance with our Privacy Policy.
13. Governing law
These terms are governed by the laws of the United Arab Emirates and the applicable laws of the Emirate of Dubai, and the parties submit to the exclusive jurisdiction of the competent courts of Dubai, UAE.
14. Changes
We may update these terms from time to time; continued use of the Service after changes take effect constitutes acceptance.