Welcome to the future of payments. There are a few things we need to cover here: none of it surprising. But if you want to suggest or fix something, please let us know via email at [email protected]

Eligibility

By accepting these Terms & Conditions or by otherwise using the Services or the Site, You represent that You are at least 13 years of age and have not been previously suspended or removed from the Services. You represent and warrant that you have the right, authority, and capacity to enter into this Agreement and to abide by all of the terms and conditions of this Agreement. You shall not impersonate any person or entity, or falsely state or otherwise misrepresent identity, age or affiliation with any person or entity.

Account Registration

In order to use this service, you must open an account with Wallet.ng. Our registration process will ask you for information including your name and other personal information. You must provide accurate and complete information in response to our questions. You must also keep the information that you provide up-to-date.

What we own

All material and services available on the Site, its affiliates, subsidiaries, employees, agents, licensors or other commercial partners including, but not limited to, software, all informational text, software documentation, design of and "look and feel," layout, photographs, graphics, audio, video, messages, interactive and instant messaging, design and functions, files, documents, images, or other materials, whether publicly posted or privately transmitted as well as all derivative works thereof (collectively, the "Materials"), are owned by us or other parties that have licensed their material or provided services to us, and maybe legally privileged.

What we offer: Payment Services

We are a mobile payments infrastructure services provider and acts as such by creating, hosting, maintaining and providing our services to you via the Internet and mobile. Our services allow you to transact with anyone with a Wallet Account and anywhere available to receive payments. We do not have any control over, and are not responsible or liable for, the products or services that are paid for with our Service. Hence we cannot ensure that a buyer or a Seller you are dealing with will actually complete the transaction or the quality of the product or service that you may have paid for.

LIMITATION OF LIABILITY

TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT SHALL WALLET.NG BE LIABLE FOR ANY DIRECT, SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, BUSINESS OR GOODWILL, ON ANY THEORY OF LIABILITY, WHETHER ARISING UNDER TORT (INCLUDING NEGLIGENCE), CONTRACT OR OTHERWISE, WHETHER OR NOT WALLET.NG HAS BEEN ADVISED OR IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF WALLET.NG, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, STRICT LIABILITY OR OTHER THEORY, ARISING OUT OF OR RELATING TO THE USE OF OR INABILITY TO USE THE SITE OR RELATED TO THESE TERMS EXCEED ANY COMPENSATION YOU PAY, IF ANY, TO WALLET.NG FOR ACCESS TO OR USE OF THE SITE.

Indemnification

You agree to defend, indemnify and hold harmless WALLET.NG, its independent contractors, service providers and consultants, and their respective directors, officers, employees and agents, from and against any claims, damages, costs, liabilities and expenses (including, but not limited to, reasonable attorneys' fees) arising out of or related to (a) any actual or alleged breach by you of these Terms or any other WALLET.NG agreement, policy or guideline; (b) any actual or alleged violation of applicable law, rules, or regulations of any jurisdiction or of any payment card association, network or company; (c) your wrongful or improper use of the Site; (d) any Submission submitted by you; or (e) your violation of the rights of any third party.

Wallet Charges & Validity

  • You shall pay the Service Charges prescribed by Wallet.ng in the form and manner prescribed for such payment. Wallet.ng may at its discretion, change, amend, increase, or reduce the Service Charges without prior intimation to the Customer.
  • Any value in your Wallet that is utilized towards making payments for any Transaction shall be automatically debited from your Wallet.
  • Wallet.ng’s responsibility is limited to the debiting of your Wallet and the subsequent payment to any Merchant Establishment that you might transact with.
  • Wallet.ng does not endorse, promote, champion or warrant any goods and/or services that might be bought/availed or proposed to be bought/availed using Wallet.
  • Wallet.ng reserves the right to levy charges/ charge commission upon any amounts loaded upon your Wallet or any amounts spent/utilized by you using Wallet.

N:B: This charge is on the total amount being deducted and not on the amount being transferred Wallet.ng reserves the right to set off any balance in your Wallet in order to recover funds for transactions processed as per your request.

Business Accounts

We recommend business accounts for merchants and organizations that primarily sell goods, services or accept donations, even if your business is not incorporated. By opening up a business account, you certify to us that you are using it primarily for a business or commercial purpose and also consent to Wallet.ng submitting your personal and business information to a reporting agency whenever we reasonably believe there may be an increased level of risk associated with your business account.

Choosing a Username

You must choose a reasonably descriptive user name that clearly identifies you or your business (Business Name). This name will appear on the payer’s account statement. If a transaction dispute results from your failure to use a reasonably descriptive user name, you agree to indemnify Wallet.ng for any costs incurred from such dispute.

Verification and Inspection

Wallet.ng may request additional information from you at any time. We may also require a government issued identification such as a passport or driver’s license, or a business license. Wallet.ng may also ask for permission to inspect your business location. If you refuse any of these requests, your account may be terminated. We reserve the right to suspend or terminate an account of any user who provides inaccurate, untrue, or incomplete information required under this Agreement.

Modification of Terms and conditions of Service

Wallet.ng may at any time modify the terms and conditions ("Terms") of the Service by posting an updated version on our website, the revised version will be effective at the time we post it. If the revised version includes a Substantial Change, we will provide you with a prior notice. You can access the latest version of the Terms at any given time. You should regularly \review the Terms. However, if you continue to use the service you agree to accept and abide by the modified Terms. Your use of a Site after any amendment to the Terms of Use shall constitute your acceptance of these terms and you also agree to be bound by any such changes/revisions.


You are responsible for maintaining adequate security and confidentiality of your passwords, personal identification numbers (PINs), or any other account identifier that you use to access your Wallet account and services. You are responsible for keeping your mailing address, email address and other contact information up-to-date in your profile.