Terms of Service

Welcome to ZippyPay, a secure and efficient platform that allows users to manage digital wallets for payments and transactions.

Please read these Terms and Conditions (“Terms”) carefully before using the Zippy Pay mobile application or website.

By using the Zippy Pay platform, you agree to comply with and be bound by the following terms. If you do not agree to these terms, you may not access the services.

DEFINITIONS

“Platform” refers to the Zippy Pay mobile application and website.

“We,” “Us,” “Our” refers to Zippy Pay Africa.

“User” or “You” refers to any individual accessing or using the platform.

2. ACCEPTANCE OF TERMS

By accessing or using the Zippy Pay platform, you agree to these Terms, as well as any changes or modifications made periodically. Continued use of the platform implies acceptance of the revised Terms.

3. ELIGIBILITY

To use our services, you must:

Be at least 18 years old and capable of forming a binding contract under Nigerian law.
Provide accurate and complete information during registration.
Comply with these Terms and all applicable laws and regulations in Nigeria.

4. ACCOUNT REGISTRATION

Users are required to register an account with valid details (name, phone number, email, bank verification details and account numbers).
You are responsible for maintaining the confidentiality of your account credentials and any activity that occurs under your account.
Notify us immediately if there is any unauthorized use of your account.

5. SERVICES PROVIDED

Zippy Pay provides a platform that allows users to manage payments, transfer funds, and perform other financial transactions securely. The app may integrate with third-party services, such as banking institutions, for wallet functionality and payment processing.

6. USER OBLIGATIONS

By using the platform, you agree to:

Use the platform only for lawful purposes.
Not engage in any fraudulent activities, including falsifying payment details or providing incorrect personal information.
Take responsibility for all charges, fees, and taxes associated with using the platform.

7. FEES AND PAYMENTS

Zippy Pay may charge service fees for certain features or transactions. These fees will be disclosed during the transaction.

Any applicable taxes, levies, or other charges are your sole responsibility.
Payments will be processed securely, and Zippy Pay is not liable for delays caused by third-party financial institutions.

8. DATA SECURITY AND PRIVACY

Zippy Pay employs state-of-the-art security measures, including end-to-end encryption, to protect your personal and financial data.

You consent to Zippy Pay collecting and processing your data in accordance with our Privacy Policy.
We will not share your information with third parties without your explicit consent, except as required by law.

9. LIMITATION OF LIABILITY

Zippy Pay will not be liable for any indirect, incidental, or consequential damages resulting from your use of the platform.
We are not responsible for any financial loss, unauthorized access to your account, or other damages that may occur as a result of system errors, hacking, or any other security breach.
Zippy Pay makes no warranty regarding the availability, accuracy, or reliability of the platform.

10. USER-GENERATED CONTENT

You may be able to upload content (e.g., profile information) on the platform. You grant Zippy Pay a non-exclusive license to use, display, and modify this content.
You must not upload content that is illegal, offensive, or violates third-party rights.

11. TERMINATION

Zippy Pay reserves the right to suspend or terminate your access to the platform without notice if you breach these Terms. You may terminate your account at any time. Upon termination, all pending transactions will be canceled.

12. INTELLECTUAL PROPERTY

All intellectual property related to the Zippy Pay platform, including trademarks, logos, and content, are owned by ZippyAfriPay.
You may not use any of Zippy Pay’s intellectual property without prior written consent.

13. MODIFICATIONS TO THE PLATFORM

Zippy Pay may modify, suspend, or discontinue the platform or any part of it at any time without notice. Zippy Pay will not be liable for any modification or termination of services.

14. THIRD-PARTY SERVICES

Zippy Pay may integrate with third-party services (such as bank integrations). We are not responsible for the services or practices of these third parties, and you agree to comply with their respective terms and conditions.

15. GOVERNING LAW

These Terms and any disputes arising from the use of the platform will be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

16. DISPUTE RESOLUTION

In the event of any dispute or claim arising from these Terms, both parties agree to first attempt to resolve the issue amicably. If resolution cannot be reached, the dispute will be settled through arbitration under the Arbitration and Mediation Act of Nigeria, 2023.

17. CONTACT INFORMATION

For any questions or concerns regarding these Terms, please contact us at:

support@zippyafricpay.com