Legal
Code of Conduct and Marketing Guidelines
Version: 1.0
Effective date: 2 November 2026
Last updated: 28 October 2026
Contact: hi@morapay.io
Part of the Ambassador Program Terms.
Ambassadors are often the first voice people hear about Morapay. This Code keeps that voice honest, helpful and safe. It forms part of the Ambassador Program Terms at https://morapay.io/ambassadors/terms, and breaking it can cost you Rewards or your place in the program.
1. The five rules
| # | Rule | In practice |
|---|---|---|
| 1 | Be honest about Morapay | Describe only what Morapay does today, in the words in section 3. If you are not sure, ask hi@morapay.io before you post. |
| 2 | Say that you earn a Reward | Every post, message or video with your link or code says you earn a Reward when people use it. |
| 3 | Never promise money | Keep earnings claims, returns and investment talk out of your posts. Morapay is a payments service. |
| 4 | Speak as yourself | You are an independent ambassador. Never present yourself as Morapay staff, support or an official account. |
| 5 | Respect people's inboxes | Share where people have chosen to hear from you. No spam, no bulk messages, no adding people to groups without consent. |
2. Disclosure
Put the disclosure next to your link or code, in plain words, in the same language as your post. Short lines that work:
- "I am a Morapay ambassador and I earn a reward if you use my link."
- "Referral link: I get a small reward when you pay with Morapay through it."
- On short video or Stories: say it out loud and show it on screen, for example "#MorapayAmbassador, referral link".
3. Approved product wording
These lines match docs.morapay.io today. Use them as they are or close to them.
| Topic | You can say |
|---|---|
| What Morapay is | Morapay helps businesses accept payments and pay out across Africa, with mobile money, bank transfers, cards and stablecoins in one place. |
| Where | Morapay works in Ghana, Nigeria, Kenya, South Africa and Côte d'Ivoire, with more ramp countries listed on docs.morapay.io. |
| Assets and networks | Pay and get paid in USDC, USDT, DAI, ETH, SOL and BNB on Ethereum, Base, Arbitrum, Optimism, Polygon, BNB Chain and Solana. |
| Speed | Ghana mobile money payouts usually land in minutes. Check docs.morapay.io for other methods. |
| Pricing | Morapay charges a per transaction fee. See app.morapay.io for current pricing. |
| Getting started | Sign up on app.morapay.io through my link. |
4. What you must not say or do
| Area | Not allowed |
|---|---|
| Earnings and returns | "Earn passive income", "guaranteed", "get rich", "double your money", income screenshots, or any figure for what an ambassador or user will earn. |
| Investment and advice | Calling crypto or stablecoins an investment, predicting prices, giving financial, tax or legal advice, or telling people to buy any asset. |
| Regulation and safety | Saying Morapay is licensed, regulated, approved, insured or certified by any authority, or that funds are risk free. |
| Impersonation | Using "Morapay" in your profile name, handle, group name, domain or email, or offering "support" for Morapay accounts. |
| Pricing | Quoting fee rates or percentages, or promising discounts Morapay has not published. |
| Spam and paid tricks | Bulk messages, fake reviews, bots, paying people to sign up or pay, cookie stuffing, or bidding on "Morapay" in paid search. |
| Where and to whom | Targeting people under 18, people in countries Morapay does not serve, or businesses on the Prohibited Business List. |
| People's data | Asking for anyone's passwords, codes, PINs, seed phrases or ID documents. Morapay never needs you to collect these. |
5. Brand use
- Write the name as Morapay in text. The wordmark is "morapay." in lower case with the full stop, in teal or white.
- Use only the logos, images and templates from the ambassador kit in the Bot. Do not stretch, recolour or redraw them.
- Keep your own name and photo on your profile so people can see you are an independent ambassador.
- Stop using the brand when you leave the program.
- The Brand and Posting Guide at https://morapay.io/ambassadors/brand-guide puts the disclosure, wording and brand rules on one page.
6. If something goes wrong
If a post was wrong, take it down or correct it and tell hi@morapay.io. If someone asks for help with a payment, send them to Morapay support: hi@morapay.io or WhatsApp +233 55 713 5438. If you see someone pretending to be Morapay, report it to hi@morapay.io.
| Breach | What Morapay may do |
|---|---|
| First minor breach | Ask you to correct or remove the content within 48 hours. |
| Repeated or serious breach | Withhold Rewards linked to the breach and suspend your link. |
| Fraud, spam, impersonation or misleading financial claims | End your participation at once and claw back affected Rewards, as the Terms allow. |
Last updated: 28 October 2026