Terms of Use

Acceptance of Terms

By downloading, installing, or using iDeliverPay, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree, do not use the app.

These Terms form a legally binding agreement between you and iDeliverPay. You acknowledge that you have read, understood, and agree to comply with these Terms.

Eligibility

To use iDeliverPay, you must:

• Be at least 18 years of age.
• Be legally capable of entering into a binding agreement.
• Provide accurate, current, and complete information during registration.
• Complete identity verification (KYC) as required for your account tier and usage level.
• Use iDeliverPay only for lawful purposes and in compliance with these Terms.

Some features may have additional eligibility requirements or be unavailable in certain locations.

Your account

You are responsible for maintaining the security of your account. This includes:

• Keeping your transaction PIN, passwords, and OTPs confidential and secure.
• Not sharing your account credentials with anyone, including family members or friends.
• Using only your own registered phone number and email address.
• Ensuring your device is protected with a screen lock and not shared with others.
• Notifying us immediately if you suspect unauthorized access or suspicious activity.

You are solely responsible for all activity that occurs under your account, whether or not you authorized it. iDeliverPay is not liable for losses caused by unauthorized access resulting from your failure to secure your account.

One person may only maintain one iDeliverPay account. Duplicate accounts may be restricted or closed.

Services

iDeliverPay provides the following financial technology services:

• Wallet: Digital wallet for storing, sending, and receiving funds.
• Bank transfers: Sending money to Nigerian bank accounts.
• Wallet-to-wallet transfers: Sending money between iDeliverPay users.
• Bills payment: Paying for airtime, data, cable TV, electricity, and other services.
• USD virtual cards: Virtual dollar cards for international online transactions.
• iToken: Cryptocurrency trading and transfers.
• Referrals: Earning rewards by inviting friends to join iDeliverPay.

Services may depend on third-party providers, banks, billers, and payment processors. Availability, processing times, and limits may vary by location, account tier, and compliance status.

Transactions

By initiating a transaction, you confirm that:

• You are authorized to make the transaction and use the payment method involved.
• The transaction details (recipient name, account number, amount) are correct and complete.
• The transaction complies with applicable laws and these Terms.

Once a transaction is submitted, it may not be reversible. iDeliverPay is not responsible for transactions sent to incorrect account numbers or recipients due to user error.

Transaction processing times are estimates and may be affected by bank processing schedules, holidays, maintenance, or third-party delays.

Fees and charges

iDeliverPay may charge fees for certain services, including transfer fees, card fees, and service charges. Fee amounts will be displayed before you confirm a transaction.

By completing a transaction, you agree to pay the displayed fees. Fees are non-refundable except where required by applicable law.

We reserve the right to change fees at any time. Updated fees will be displayed in the app and will take effect upon your next transaction.

Limits, holds, and compliance

We may apply transaction limits, account tiers, holds, reviews, reversals, or restrictions where required for security, fraud prevention, compliance, operational risk, or legal reasons.

• Daily, weekly, and monthly transaction limits may apply based on your KYC tier.
• We may request additional information or documentation before processing or continuing certain transactions.
• We may temporarily hold or delay transactions that trigger security or compliance reviews.
• Transactions may be reversed where required by law, regulation, or fraud prevention.

Prohibited use

You must not use iDeliverPay for any unlawful, fraudulent, abusive, or unauthorized activity. Prohibited activities include:

• Fraud, scams, impersonation, money laundering, terrorism financing, or evasion of sanctions.
• Unauthorized access, account takeover attempts, credential sharing, or security bypassing.
• Transactions involving illegal goods, prohibited services, stolen funds, or deceptive activity.
• Abuse of referrals, iToken, promotions, chargebacks, or support systems.
• Using automated tools, bots, or exploits to interact with the app or its systems.
• Circumventing transaction limits, security controls, or compliance measures.

Violation of these prohibitions may result in immediate account suspension, transaction reversal, fund holds, and referral to law enforcement.

Suspension and termination

We may suspend, restrict, or terminate your account or access to services at any time, with or without notice, if we reasonably believe:

• You have breached these Terms or our Privacy Policy.
• Your account is involved in fraudulent, illegal, or suspicious activity.
• Suspension is required by law, regulation, or a court order.
• Your continued use poses a security risk to iDeliverPay or other users.

You may close your account at any time by contacting support, provided all pending transactions are settled and outstanding balances are resolved.

Upon termination, your right to use the app ceases immediately. We may retain certain information as required by law or for legitimate business purposes.

Disputes and liability

If you notice an issue with a transaction, contact support with the transaction reference and relevant details within a reasonable time.

To the maximum extent allowed by applicable law:

• iDeliverPay is not responsible for losses caused by user error, credential sharing, device compromise, or third-party outages.
• iDeliverPay is not liable for indirect, incidental, special, consequential, or punitive damages.
• Our total liability shall not exceed the fees paid by you in the twelve (12) months preceding the claim.
• We are not responsible for delays or failures caused by events outside our reasonable control.

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes shall be resolved in the courts of competent jurisdiction in Nigeria.

Changes to these Terms

We may update these Terms from time to time to reflect changes in our services, legal requirements, or operational practices. We will notify you of material changes through the app, email, or our website.

Continued use of iDeliverPay after changes take effect constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the app and close your account.

Contact us

If you have questions about these Terms, contact us:

• Email: legal@ideliverpay.com
• General support: support@ideliverpay.com