PayroonTerms of service
By creating an account you agree to these terms.
Last updated: October 2026
Eligibility
You must be at least 18 and give accurate, current information.
Your account
Keep your password and PIN private. You are responsible for activity on your account. If you suspect unauthorised access, tell us at once at support@payroon.com. Payroon will never ask for your PIN.
Permitted use
Lawful personal use: mobile money deposits and withdrawals, transfers, payment requests, bill splits, savings goals, Njangi groups and referrals.
Prohibited use
Money laundering, financing of terrorism, fake accounts, automated abuse, sharing credentials, bypassing security, or anything that harms the platform or other users.
Fees and limits
Payroon charges 3% on deposits and 1% on withdrawals. Sending to other Payroon users is free. Fees are shown before you confirm. Limits depend on whether your identity is verified. We give notice before changing fees.
Njangi groups
Payroon provides the tools for Njangi groups. Contributions are held in an escrow ledger. Group rules, such as late fees, are set by each group. Payroon does not guarantee recovery of money lost to the actions of other members, beyond errors made by the platform.
Liability
Payroon is not liable for losses caused by events outside our control, such as mobile money network failures, or by unauthorised access that results from failing to protect your credentials. Our liability is limited to the balance in your wallet at the time of the incident.
Suspension and closure
We may suspend or close accounts that break these terms, show suspicious activity, or fail verification. You can close your account at any time.
Changes
We may update these terms. We will tell you by email and in the app before changes take effect.
Governing law
These terms are governed by the laws of the Republic of Cameroon. Disputes go to the courts of Douala.
Contact
Questions: support@payroon.com. Legal matters: compliance@payroon.com.