This project is mostly licensed under the GNU Affero General Public 
License (AGPL) as described below. However, certain files within this 
project are licensed under a different commercial license. These files 
are clearly marked with the following comment at the top of the file: 
/* @proprietary license */ Files with this comment are not licensed 
under the AGPL v3, but instead are subject to the commercial license 
terms defined later in this file.

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  Copyright (C) 2025 lomi. LLC

  This program is free software: you can redistribute it and/or modify
it under the terms of the GNU Affero General Public License as published
by the Free Software Foundation, either version 3 of the License, or
(at your option) any later version.

  This program is distributed in the hope that it will be useful,
but WITHOUT ANY WARRANTY; without even the implied warranty of
MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE.  See the
GNU Affero General Public License for more details.

  You should have received a copy of the GNU Affero General Public License
along with this program.  If not, see <https://www.gnu.org/licenses/agpl-3.0.en.html>.

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  The lomi. Commercial License (the "Commercial License") 
  Copyright (c) 2025—present lomi. LLC

  With regard to lomi.africa's Software and its files under the "Commercial License" :
This part of the software and associated documentation files (the "Software") may
only be used in production; they are the property of lomi.africa, registered in
Côte d'Ivoire. The Software is protected by copyright laws, if you (and any entity
that you represent) have agreed to, and are in compliance with, the Terms 
available at https://lomi.africa/terms, or other agreements governing the use of 
the Software, as mutually agreed by you and lomi.africa, and otherwise have a valid
lomi.africa Enterprise Account.

Subject to the foregoing sentence, you are free to modify this Software and publish
patches to the Software. You agree that lomi.africa and/or its licensors (as applicable)
retain all right, title and interest in and to all such modifications and/or patches,
and all such modifications and/or patches may only be used, copied, modified, displayed,
distributed, or otherwise exploited as part of the lomi.africa payment orchestration
platform, with transaction fees applied as per the lomi.africa pricing policy. 

Notwithstanding the foregoing, you may copy and modify the Software for development
and testing purposes, without incurring any fees. You agree that lomi.africa and/or
its licensors (as applicable) retain all right, title and interest in and to all 
such modifications. You are not granted any other rights beyond what is expressly
stated herein.
Subject to the foregoing, it is forbidden to copy, merge, publish, distribute, 
sublicense, and/or sell the Software.

  THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.

For all third party components incorporated into the lomi.africa Software, those
components are licensed under the original license provided by the owner of the
applicable component.