Last updated: 24.09.2025.
These Terms and Conditions (“Terms”) govern the use of numafi.com (the “Website”) operated by NUMAFI SOLUTIONS S.L., ("Numafi") a company incorporated under the laws of Spain with registered office at Calle Rio Nilo, Ubr. Altos del Rodeo, Manzana 17, Casa 5, 29660 Marbella, Spain and Tax Identification Number ESB22757561.
By accessing or using the Website, you agree to be bound by these Terms in what the use of it concerns. If you do not agree, please refrain from using the Website.
Numafi is a Payment Service Provider (PSP) and Independent Sales Organization (ISO) specializing in risk management, compliance solutions, and payment processing services for merchants, acquirers, and other eligible business partners. Our goal is to provide secure, reliable, and efficient payment-related services that support the commercial operations of our clients.
Use of Numafi’s services is governed by separate contractual agreements, which outline the specific terms, conditions, obligations, and responsibilities applicable to each business client. Access to the Website or any services provided by Numafi does not constitute a contract or agreement unless explicitly confirmed in writing.
By accessing and using the Website, you agree not to misuse it in any way, including but not limited to attempting unauthorized access, interfering with security features, or using the Website for fraudulent, unlawful, or otherwise improper purposes.
This Website is the official online presence of Numafi, providing information about our services and company details.
Numafi provides its services exclusively to merchants, acquirers, business partners, and other eligible commercial entities (“Business Customers”). We do not provide services directly to individual consumers, and our Website, products, and services are not intended for personal, household, or non-commercial use.
Specifically, Numafi does not offer consumer-facing payment services, e-wallets, remittance services, or any other services intended for individual end users (“B2C Services”).
For inquiries or issues related to transactions, refunds, or disputes, consumers should contact their merchant, card issuer, or relevant financial institution directly. Numafi assumes no responsibility for any disputes or problems arising between consumers and merchants or financial institutions.
By using our services, you confirm that you are a qualified business entity and that you are accessing and using the Website solely for legitimate commercial purposes in connection with your business operations. Numafi reserves the right to suspend or terminate access for any user who does not meet these requirements.
By submitting the merchant onboarding application form available on this Website, the applicant acknowledges and agrees that the information provided including but not limited to business name, jurisdiction, contact details, processing volume, chargeback and refund ratios, rolling reserve requirements, settlement preferences, and currency options is being submitted solely for the purpose of initiating a preliminary assessment (prescreening) by Numafi.
This prescreening process is intended to determine whether the applicant meets the minimum eligibility criteria set by the Numafi and does not, under any circumstances, constitute the formation of a contractual relationship, an offer of services, or a binding commitment by the Company or any affiliated third-party acquirer, payment service provider, or risk solution partner. The submission of this application shall not guarantee onboarding, approval, or the provision of any services. Any actual engagement for payment processing, fraud mitigation, data reporting, or any related activities will only take place under a separate and duly executed agreement, explicitly outlining the terms, conditions, and commercial obligations agreed upon by both parties.
All information submitted must be accurate, complete, and truthful. Numafi reserves the right to request additional documentation, adjust evaluation criteria, and reject applications at its sole discretion, with no obligation to disclose the reasons for such decisions. Furthermore, any data shared through this form may be used for internal evaluation, compliance checks, and communication related to the onboarding process, and may be shared with trusted third-party service providers solely for those purposes, in accordance with applicable data protection laws.
By proceeding with the submission, the applicant accepts these terms and understands that the application serves only as an expression of interest to initiate a commercial dialogue, subject to further review and mutual agreement.
All content, materials, and intellectual property available on this Website, including but not limited to text, graphics, logos, trademarks, service marks, icons, images, photographs, audio, video, software, and other materials (collectively, the “Content”), are the property of Numafi or its licensors and are protected by national and international copyright, trademark, patent, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the Website and its Content for personal, non-commercial purposes only. Except as expressly permitted by these Terms or by applicable law, you may not:
● Reproduce, copy, or distribute the Content in any form;
● Modify, adapt, translate, or create derivative works of the Content;
● Display, perform, or publicly present the Content;
● Sell, license, sublicense, or otherwise exploit the Content for commercial purposes; or
● Remove, alter, or obscure any copyright, trademark, or other proprietary notices contained in the Content.
All trademarks, service marks, logos, and trade names displayed on the Website are the property of Numafi or their respective owners. Nothing in these Terms grants you any right, title, or interest in or to any of the trademarks, service marks, logos, or trade names, and any unauthorized use may constitute infringement of applicable laws.
Unauthorized use of the Content or any intellectual property on this Website may result in civil and/or criminal liability to the fullest extent permitted by law. Numafi reserves all rights not expressly granted in these Terms.
While Numafi makes reasonable efforts to ensure that the information, materials, and content provided on the Website are accurate, complete, and up to date, all content is provided “as is” and without any warranties, representations, or guarantees of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
To the fullest extent permitted by applicable law, Numafi shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to loss of profits, revenue, data, business opportunities, or goodwill, arising out of or in connection with:
● Your access to, use of, or inability to use the Website;
● Any reliance on the content, information, or materials provided on the Website;
● Any errors, omissions, inaccuracies, or delays in the Website’s content;
● Any third-party content, links, or services accessed through the Website;
● Any interruption, suspension, or termination of services.
Some jurisdictions do not allow the exclusion or limitation of certain liabilities, so some of the above limitations may not apply to you. In such cases, Numafi’s liability shall be limited to the maximum extent permitted by law.
By using the Website, you acknowledge and agree that your use is at your own risk, and that Numafi shall not be held responsible for any losses or damages resulting from your use of, or inability to access, the Website.
The Website may include links to third-party websites or services that are not owned or controlled by Numafi. Numafi has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party sites. We strongly advise you to review the terms and conditions and privacy policies of any third-party websites you visit.
Your use of the Website is subject to our Privacy Policy, which sets out in detail how Numafi collects, uses, stores, and protects your personal data. We are committed to ensuring that your personal information is processed in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR).
Numafi will only collect and process personal data that is necessary for providing our services, improving the Website, and fulfilling our legal obligations. We implement appropriate technical and organizational measures to safeguard your information against unauthorized access, loss, misuse, or disclosure.
Numafi reserves the right to amend, update, or modify these Terms at any time to reflect changes in our business practices, legal or regulatory requirements, or for any other reason deemed necessary. Any changes will be effective immediately upon publication of the revised Terms on this page, unless otherwise stated.
The date of the most recent revision will always be indicated at the top of the Terms. We encourage you to review this page periodically to stay informed of any updates, as your continued access to or use of the Website after such changes constitutes your acceptance of the revised Terms.
If the modifications materially affect your rights or obligations, Numafi may, at its discretion, provide additional notice (such as by email or a prominent notice on the Website) prior to the changes taking effect.
If you do not agree to the updated Terms, you should discontinue using the Website immediately.
These Terms, and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or their subject matter, shall be governed by and construed in accordance with the laws of Spain.
Any disputes shall be subject to the exclusive jurisdiction of the courts of Marbella, Spain, whom shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms, your use of the Website, or the services provided through it. By using the Website, you expressly submit to the jurisdiction of these courts and waive any objection to such venue on the grounds of lack of personal jurisdiction, inconvenient forum, or any other basis.
Nothing in this section shall limit Numafi’s right to initiate proceedings in any other competent jurisdiction where you reside, conduct business, or have assets.
If you have any questions, concerns, complaints, or requests relating to these Terms, your use of the Website, or our services, you may contact us using the details below:
NUMAFI SOLUTIONS S.L.
Calle Rio Nilo, Ubr. Altos del Rodeo, Manzana 17, Casa 5
29660 Marbella, Spain
Email: contact@numafi.com
We aim to respond to all legitimate inquiries within a reasonable timeframe. For matters relating specifically to the collection and processing of personal data, please refer to our Privacy Policy for additional contact information and procedures.
Please note that communications through the Website or by email do not establish a contractual relationship.
Calle Rio Nilo, Urb. Altos del Rodeo, Manzana 17, Casa 5, 29660 Marbella, Spain
