KuvarSend← Back to home

Terms of Service

Version 2 · Effective 14 June 2026

These Terms form a legally binding agreement between you and Kuvarpay Limited governing your use of the KuvarSend app and related services. Please read them with our Privacy Policy.

1. About these Terms and your agreement to them

1.1. These Terms of Service, together with the documents they incorporate by reference (collectively, the “Terms”), form a legally binding agreement between you (“you”, “your”, or the “User”) and Kuvarpay Limited, a company incorporated under the laws of Nigeria with its registered office in Lagos, Nigeria (“Kuvarpay”, “KuvarSend”, “we”, “us”, or “our”), governing your access to and use of the KuvarSend mobile application, websites, and related services (collectively, the “Services”). KuvarSend is a product within the KuvarPay ecosystem.

1.1A. KuvarSend is a technology and distribution platform. The Services give you a single interface through which to access remittance, payment, currency-conversion, settlement, and virtual-asset services that are provided and executed by our licensed third-party providers (defined below as Payment Partners, currently Yellow Card and Startbutton) under their own licences and regulatory authorizations. We do not ourselves perform the underlying licensed money-transmission, settlement, or virtual-asset services — we onboard you, route your instructions to the appropriate Payment Partner, and present the result to you. See Section 3.

1.2. The Terms incorporate by reference, and you also agree to be bound by: (a) the KuvarSend Privacy Policy; (b) the Fees & Limits Schedule displayed in the app (the “Fees Schedule”); (c) the Acceptable Use Policy in Section 16; (d) any product-specific or country-specific terms presented to you in the app; and (e) any additional terms we present and you accept for specific features. If there is a conflict, the feature-specific or country-specific terms control for that feature or country, and otherwise these Terms control.

1.3. By creating an account, ticking the acceptance checkbox, or using the Services, you confirm that you have read, understood, and agree to be bound by the Terms, and that you have the legal capacity to enter into this agreement. If you do not agree, do not create an account and do not use the Services.

1.4. We will record your acceptance — including the version of the Terms you accepted and the date and time of acceptance — as evidence of this agreement. When we make a material change, we may require you to review and accept the updated Terms before you can continue to use the Services (see Section 27).

1.5. The Services are provided to you for your own personal, non-business use unless we expressly agree otherwise in writing.

2. Definitions

In these Terms:

3. Who we are, the Payment Partners, and regulatory status

3.1. What KuvarSend is. KuvarSend, part of the KuvarPay ecosystem, is a technology and distribution platform that lets eligible Users open an Account, complete identity verification, hold a US-Dollar Stored Value Balance, add money, and send money to Recipients across Supported Countries — by accessing services provided by our licensed Payment Partners. KuvarSend provides the app, the user experience, onboarding and identity collection, and the routing of your instructions; it is the Payment Partners that provide and execute the underlying regulated remittance, payment, currency-conversion, settlement, and virtual-asset services.

3.2. Our Payment Partners. Our remittance and payments capability is powered by licensed third-party providers, currently Yellow Card and Startbutton. These providers hold the relevant licences and regulatory authorizations for the services they perform. Which Payment Partner executes a given Transaction is determined by us based on the corridor, currency, and method, and is generally not shown to you.

3.3. We are a distribution layer, not the licensed provider. KuvarSend does not itself perform licensed money-transmission, settlement, or virtual-asset services, and we do not describe KuvarSend as a bank or as independently licensed for those regulated activities. The regulated services are performed by the Payment Partners under their own licences.

3.4. We are not a bank. We do not take deposits, we do not lend, and we do not provide banking services. See Section 5.

3.5. Division of responsibility. We remain your primary point of contact for the Services and for first-line support and complaints (Section 30). However, the execution of regulated steps — settlement of funds, currency conversion, payout to a Recipient, on-chain transfer, and the safeguarding of funds — is carried out by the Payment Partners, and identity verification is carried out with our verification partner, in each case on systems and networks outside our sole control.

4. Eligibility

4.1. To open and use an Account, you must:

4.2. One Account per person. You may hold only one Account unless we agree otherwise. We may refuse, restrict, suspend, or close duplicate or unauthorized Accounts.

4.3. We may refuse to open an Account, or may impose additional conditions, at our discretion and as required by law, including where we cannot verify your identity to our satisfaction.

4.4. Eligibility and the availability of specific Services, currencies, corridors, and limits vary by country and may change.

5. Nature of your Account Balance — important

5.1. Your Account Balance is electronic stored value denominated in US Dollars. It represents a claim to a corresponding amount that you may use through the Services, and which is held with or through our licensed Payment Partners. It is not: (a) a deposit with a bank or deposit-taking institution; (b) insured or guaranteed by any deposit-insurance, central-bank, or government scheme (including the NDIC, any equivalent scheme in any Supported Country, or the US FDIC); or (c) a security, investment product, or interest-bearing instrument.

5.2. No interest. You will not earn interest or any return on your Account Balance. You agree that we (and our Payment Partners) may retain any interest, yield, or other benefit earned on pooled or safeguarded funds.

5.3. Use it through the Services. The Account Balance can be used only as permitted by the Services. We do not guarantee the ability to redeem the Account Balance to cash in any particular form, currency, or jurisdiction.

5.4. How funds are held. Funds corresponding to your Account Balance are held and safeguarded by or through our licensed Payment Partners, not by KuvarSend as a deposit-taker.

5.5. Currency and conversion. Because the Account Balance is held in US Dollars, Funding in a Local Currency or in a Digital Asset is converted to US Dollars at the applicable rate (Section 12), and a Send in a Local Currency or Digital Asset is funded by converting US Dollars at the applicable rate. Conversion rates fluctuate and the value you receive will reflect the rate and fees applied at the time the Transaction is processed.

6. Your Account: registration, security, and responsibilities

6.1. Accurate information. You must provide true, current, and complete information when you register and whenever we ask, and keep it up to date. Providing false, misleading, or incomplete information is a material breach.

6.2. Credentials and device security. You are responsible for safeguarding your Account credentials, PIN, biometric access, one-time passwords, recovery methods, and the device on which you use the Services. You must (a) keep your PIN and credentials confidential and not share them; (b) enable the security features we offer; (c) not use the Services on a device that is jailbroken, rooted, or otherwise compromised; and (d) notify us immediately at support@kuvarpay.com if you suspect loss, theft, compromise, or unauthorized use of your Account or device.

6.3. Activity through your Account. Except to the extent applicable law provides otherwise, you are responsible for all activity carried out through your Account, including Transactions authenticated with your PIN, biometric, or other credentials.

6.4. Authentication does not reverse a Transaction. Once you authorize a Transaction and it is processed, it may be irreversible (see Sections 11–14). Authentication confirms your instruction; it is not a cooling-off period.

6.5. We may require re-verification, additional authentication, or re-acceptance of the Terms at any time as a condition of continued access.

7. Identity verification, AML/CFT, and ongoing due diligence

7.1. You must complete verification. To comply with AML/CFT Laws, we will identify and verify you before you may transact, and on an ongoing basis. We will (a) collect identifying information and documents from you (which may include your full legal name, date and place of birth, gender, nationality, residential address, occupation, source of funds, government-issued identity number(s) — for example NIN and/or BVN for Nigerian Users — a photograph of a government-issued ID, and a selfie for biometric matching); (b) verify that information, including through our identity-verification partner (currently Smile Identity) and against records held by the relevant national identity authority; and (c) screen you and your Transactions against sanctions, PEP, and adverse-media lists, on an ongoing basis.

7.2. Lawful basis. Identity verification and screening are carried out because we are required by law to do them. You may not transact without completing the verification required for the Service and limit tier you want to use.

7.3. Tiers. Access to the Services and your limits depend on your verification tier. Higher tiers require more information and unlock higher limits, as described in the app and Section 8.

7.4. Ongoing and enhanced due diligence. We may, at any time and as required by law, ask you for further information or documents, apply enhanced due diligence, re-verify you, or place limits or holds while we do so. We may refuse, delay, suspend, freeze, reverse, or report a Transaction, and restrict or close your Account, where we reasonably consider it necessary to comply with law or manage risk.

7.5. No tipping-off. Where the law prohibits us from telling you why a Transaction or Account has been delayed, declined, frozen, or reported, we will not be able to give you a reason, and we will not be liable for declining to do so.

7.6. Accuracy of identity data. You are responsible for the accuracy of the identity information you provide.

8. Transaction limits

8.1. Your ability to transact is subject to limits that depend on your verification tier, your country, regulatory requirements, and our risk controls.

8.2. The limits that apply to you are displayed in the app and may change. We may apply, lower, raise, or remove limits at any time, including for legal, regulatory, or risk reasons.

8.3. We may decline or hold any Transaction that would exceed an applicable limit or that our controls flag for review.

9. Funding your Account (Add Money)

9.1. Methods. You may add money by (a) local-currency pay-in via bank transfer or mobile money in a Supported Country, or (b) Digital Asset deposit to an address we provide. Available methods, currencies, and minimums vary by country and are shown in the app.

9.2. You must own the source. You may fund your Account only from a payment instrument, bank account, mobile-money wallet, or Digital Asset wallet that belongs to you. Third-party funding is prohibited unless we expressly permit it.

9.3. Crediting and timing. We credit your Account Balance in US Dollars after we (or our Payment Partner) confirm receipt and the funds clear our compliance and screening checks. Crediting may not be instant.

9.4. Digital Asset deposits — network and screening. You must send only the supported Digital Asset on the supported network, to the exact address (and, where required, with the exact memo/destination tag) shown in the app. Deposits sent on the wrong network, of an unsupported asset, to a wrong address, or without a required memo may be permanently lost and unrecoverable. Incoming deposits are screened and may be held, frozen, rejected, returned, or reported.

9.5. Reversal of erroneous or fraudulent credits. If your Account is credited in error, or as a result of a failed, charged-back, reversed, or fraudulent pay-in, we may reverse the credit and recover the amount, even if you have already used the funds.

10. Sending money — local-currency payouts

10.1. Recipient details are your responsibility. When you Send a local-currency payout, you must provide accurate Recipient details. We and our Payment Partners rely on the details you provide and on the account number / wallet number, not the name.

10.2. Name verification is a convenience, not a guarantee. Where a corridor supports it, we may show a verified Recipient name. The payout is directed using the account/number you supply. If you enter the wrong details, the money may go to the wrong Recipient and may be irrecoverable.

10.3. Authorization and irreversibility. Once you authorize a payout and it is submitted for processing, it generally cannot be cancelled or reversed.

10.4. Rate and amount. You may pin either the amount the Recipient receives or the US-Dollar amount you spend. The final rate is locked at the time the payout is processed and may differ from any earlier quote. Fees apply (Section 12).

10.5. Processing times. Payout times depend on the corridor, the Payment Partner, the receiving institution, and factors outside our control. Quoted or typical times are estimates, not guarantees.

10.6. We may decline or delay. We may refuse, delay, or hold a payout for compliance, fraud-prevention, risk, legal, technical, or limit reasons.

11. Sending Digital Assets (crypto send) — irreversible

11.1. What it is. A crypto Send debits your US-Dollar Account Balance (including fees) and sends a supported Digital Asset (stablecoin) to an external wallet address you specify on a supported network. This is a conversion-and-transfer service; it is not an offer of Digital Assets as an investment.

11.2. Blockchain transactions are irreversible. Once a Digital Asset transaction is broadcast to the network, it cannot be cancelled, reversed, or recalled by us or by anyone.

11.3. Risk of permanent loss. If you send to a wrong, incompatible, or contract address, on the wrong network, with a missing or incorrect memo, or to an address you do not control, the Digital Asset may be permanently and irretrievably lost.

11.4. Address screening and prohibited destinations. We screen destination addresses and may refuse, hold, or report a Send to an address that is sanctioned, linked to prohibited activity, or that we cannot screen.

11.5. Network conditions and fees. Confirmation times and on-chain network fees depend on network conditions outside our control. We are not responsible for network congestion, downtime, forks, re-orgs, or third-party wallet or node failures.

11.6. Quotes and execution. Pricing previews are estimates; the amount debited and the amount the Recipient receives are determined at execution, subject to limits and screening.

12. Exchange rates, fees, and charges

12.1. Fees. You agree to pay the fees applicable to your Transactions, as shown in the app and in the Fees Schedule at the time of the Transaction. The total fee is disclosed to you before you confirm a Transaction.

12.2. Exchange rates and spread. Conversions use a rate we set, which includes a margin (spread) over the rate we or our Payment Partners obtain. The rate shown to you is the rate you will receive. Rates fluctuate continuously.

12.3. Quotes and rate expiry. A quoted rate is indicative and valid only for the period stated (if any). The final rate is locked when the Transaction is processed, which may differ from the quote.

12.4. Changes. We may change our fees, spreads, and rate methodology at any time. The prevailing fees shown at the time of each Transaction apply to that Transaction.

12.5. Third-party charges and taxes. You are responsible for any charges imposed by your bank, mobile-money operator, card issuer, wallet provider, or network, and for any taxes (Section 18).

13. Digital Asset risk disclosures

You acknowledge and accept the following in addition to Sections 9 and 11:

13.1. Irreversibility and self-custody risk. Digital Asset transactions are irreversible, and external wallets are controlled by you or third parties, not by us.

13.2. Regulatory uncertainty. The legal and regulatory treatment of Digital Assets is evolving and differs by country. A change in law, regulator guidance, or Payment-Partner policy may require us to suspend, restrict, or discontinue Digital Asset Services, in whole or in part, in any country, at any time and without liability to you.

13.3. No insurance; no investment advice. Digital Assets are not insured or guaranteed. We provide no investment, tax, or legal advice.

13.4. Stablecoin risk. Supported stablecoins are issued by third parties and aim to track a reference value but may de-peg, lose value, become illiquid, be frozen by their issuer, or fail.

13.5. Network risk. Blockchain networks may experience congestion, failures, forks, attacks, or changes that delay, prevent, or alter Transactions.

14. Failed, returned, refunded, and disputed Transactions

14.1. Failed or returned Transactions. If a Transaction fails or is returned to us, we will return the relevant value to your Account Balance, net of any fees or costs already incurred and non-refundable, and subject to our compliance checks. Conversion back to US Dollars uses the applicable rate at the time of return; you bear any resulting exchange difference.

14.2. Fees on failed Transactions. Network fees and certain Payment-Partner fees already incurred are generally non-refundable.

14.3. Disputes. If you believe a Transaction was unauthorized or processed incorrectly, you must notify us promptly and in any event within 30 days (or any longer period required by applicable law). We will investigate in accordance with our procedures and applicable law.

14.4. No consumer chargeback for completed transfers. Money-transfer and Digital Asset Transactions are generally final once processed. Except where applicable law gives you a non-waivable right, there is no card-style “chargeback” right for a completed Send.

15. Holds, suspension, restriction, freezing, and closure

15.1. Our rights. We may, at any time, with or without prior notice (and without notice where the law requires or permits), in respect of your Account, your Account Balance, or a specific Transaction: (a) decline, delay, suspend, hold, freeze, limit, reverse, or unwind it; (b) require additional verification or information; (c) restrict features or reduce limits; or (d) suspend or close your Account.

15.2. Grounds. We may act under 15.1 where we reasonably believe it is necessary or appropriate to comply with law; meet our AML/CFT, sanctions, or fraud-prevention obligations; protect you, us, other Users, or third parties from fraud, loss, or harm; address a breach of these Terms; manage legal, security, credit, or operational risk; or where required by a Payment Partner.

15.3. Effect on funds. Where we freeze or hold funds, we may retain them for as long as reasonably necessary or as required by law. We may deduct from your Account Balance amounts you owe us and set off such amounts.

15.4. Closure by us. We may close your Account on notice, or immediately where we reasonably consider it necessary. On closure, and subject to our legal and compliance obligations and any lawful hold, we will make available to you any remaining Account Balance to which you are entitled.

15.5. Closure by you. You may close your Account at any time from Settings → Delete account in the app, subject to completing any pending Transactions, settling any amounts owed, and our compliance obligations. Closing your Account does not affect rights or obligations that arose before closure.

15.6. No liability for lawful action. We are not liable for any loss arising from action we take under this Section that we reasonably believed was necessary or appropriate, or that was required by law or a Payment Partner.

16. Acceptable Use Policy — prohibited activities

16.1. You must not use the Services, directly or indirectly, to:

16.2. Consequences. Breach of this Section is a material breach. We may take any action in Section 15, report you to authorities, and pursue any remedy available at law. You are liable to us for losses, costs, fines, penalties, and expenses we incur as a result of your breach (Section 26).

17. Receiving money, payment requests, and links

17.1. Payment requests and P2P. You may request money from, or send money to, other Users and may create payment links. You are responsible for the accuracy of a request and for ensuring you are entitled to request or receive the relevant amount.

17.2. You must be entitled to what you receive. You must not use receiving features to collect funds in connection with any prohibited activity or to receive funds you are not lawfully entitled to. Incoming amounts are subject to screening and may be held, returned, or reported.

17.3. FX on receipt. Where a request or transfer is denominated in a currency different from your Account Balance, conversion applies at the rate and fees in effect at settlement.

17.4. No guarantee of payment. We do not guarantee that any request you send will be paid, or that any expected payment will be received.

18. Taxes

18.1. You are solely responsible for determining, reporting, and paying any taxes, duties, or levies that apply to you in connection with your use of the Services. We do not provide tax advice. Where we are required by law to withhold or report, we will do so.

19. Intellectual property and licence to use the Services

19.1. The Services, and all software, content, trademarks, logos (including “KuvarSend” and “KuvarPay”), designs, and other materials in them, are owned by us or our licensors and are protected by law.

19.2. We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to download and use the app and the Services for their intended purpose. You must not copy, modify, distribute, sell, sub-license, or create derivative works from the Services, except as the law permits.

19.3. Feedback. If you give us feedback or suggestions, you grant us a perpetual, irrevocable, royalty-free licence to use them without restriction or obligation to you.

20. Third-party services, app stores, and links

20.1. The Services rely on third parties, including Payment Partners, our verification partner, banks, mobile-money operators, blockchain networks, wallet and wallet-connection providers, push-notification and cloud providers, and the Apple App Store and Google Play. Your use of those third parties may be subject to their own terms, and we are not responsible for their acts, omissions, availability, or content.

20.2. App-store terms. If you obtained the app from an app store, you also agree to that store’s terms. The app-store provider is not a party to these Terms and has no obligation to provide support or maintenance for the Services. Where the app is obtained from the Apple App Store, Apple’s standard Licensed Application End User License Agreement applies, Apple is a third-party beneficiary of these Terms entitled to enforce them, and Apple has no warranty, support, or product-liability obligation in respect of the Services.

20.3. We are not responsible for third-party websites or services linked from the Services.

21. Communications and electronic notices

21.1. You consent to receive communications from us electronically — in-app, by push notification, email, or SMS — including notices, disclosures, receipts, and changes to the Terms. Electronic communications satisfy any legal requirement that a communication be in writing.

21.2. Service vs. marketing. We will send you operational and transactional messages necessary to provide the Services; you cannot opt out of these while you hold an Account. Marketing communications are sent only with your consent, which you can withdraw at any time.

21.3. Keep your contact details current. We are not responsible for communications not received because your details were out of date or your device or filters blocked them.

22. Privacy and data protection

22.1. We process your personal data in accordance with the Privacy Policy, which forms part of these Terms. By accepting these Terms you confirm you have read the Privacy Policy.

22.2. We process personal data to provide the Services and to meet legal obligations, including under the AML/CFT Laws and the data-protection laws of the Supported Countries.

22.3. Sharing with partners. Because the regulated services are provided by our Payment Partners, moving money necessarily involves sharing your information with them. To verify you and to execute your Transactions, we share the minimum necessary information with our verification partner (currently Smile Identity) and with our Payment Partners (currently Yellow Card and Startbutton), who process it as independent controllers under their own terms and privacy policies.

22.4. Retention. We retain records for the periods required by the AML/CFT and other laws applicable to you, as described in the Privacy Policy.

23. Service availability, changes, and “as is”

23.1. We aim to keep the Services available but do not guarantee that they will be uninterrupted, timely, secure, or error-free.

23.2. We may add, change, suspend, restrict, or discontinue any part of the Services — including currencies, corridors, Digital Assets, features, and Payment-Partner relationships — at any time, with notice where reasonably practicable.

23.3. No warranties. To the maximum extent permitted by law, the Services are provided “as is” and “as available”, and we disclaim all warranties, conditions, and representations not expressly stated in these Terms. Nothing in this Section excludes a warranty or right that cannot lawfully be excluded.

24. Disclaimers and limitation of liability

Nothing in this Section limits or excludes any liability that cannot be limited or excluded under the law applicable to you — including liability for death or personal injury caused by our negligence, for our own fraud or fraudulent misrepresentation, or any non-waivable consumer or statutory rights.

24.1. No liability for certain matters. Subject to the paragraph above, we are not liable for loss arising from: (a) inaccurate Recipient, address, network, or memo details you provided; (b) the irreversibility of money-transfer or Digital Asset Transactions; (c) acts, omissions, delays, insolvency, or failures of Payment Partners, banks, mobile-money operators, blockchain networks, wallet providers, or other third parties; (d) fluctuations in exchange rates or in the value or peg of any Digital Asset; (e) action we take under Sections 7, 15, or 16 that we reasonably believed necessary or that was legally required; (f) unauthorized access to your Account resulting from your failure to keep your credentials or device secure; (g) the regulated services provided and executed by our Payment Partners; or (h) events outside our reasonable control (Section 25).

24.2. Exclusion of indirect loss. Subject to the paragraph above, we are not liable for any indirect, incidental, special, consequential, exemplary, or punitive loss, or for loss of profit, revenue, goodwill, business, opportunity, anticipated savings, or data, however arising.

24.3. Cap on liability. Subject to the paragraph above, our total aggregate liability to you arising out of or in connection with the Services and these Terms is limited to the greater of: (a) the amount of the specific Transaction giving rise to the claim; and (b) the total fees you paid to us in the three (3) months immediately before the event giving rise to the claim.

24.4. Basis of the bargain. The fees for the Services reflect this allocation of risk. These limitations apply even if a remedy fails of its essential purpose.

25. Force majeure

We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including acts of God, natural disasters, epidemics or pandemics, war, terrorism, civil unrest, governmental, regulatory, or central-bank action, changes in law, sanctions, currency controls, strikes, failures of banking, mobile-money, telecommunications, internet, blockchain, or power infrastructure, cyber-attacks, and failures or actions of Payment Partners or other third parties.

26. Indemnity

To the maximum extent permitted by law, you will indemnify and hold harmless Kuvarpay, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, losses, liabilities, damages, fines, penalties, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your breach of these Terms or the Acceptable Use Policy; (b) your violation of any law or the rights of any third party; (c) information you provided that was false, inaccurate, or misleading; or (d) your misuse of the Services. This does not require you to indemnify us for loss caused by our own fraud, gross negligence, or wilful misconduct.

27. Changes to these Terms

27.1. We may update these Terms from time to time. When we make a change, we will update the version and effective date and make the revised Terms available in the app.

27.2. Material changes. For material changes, we will give you reasonable notice as required by law and may require you to review and accept the updated Terms before you continue to use the Services.

27.3. Your continued use of the Services after a change takes effect constitutes acceptance of the updated Terms, except where we require explicit re-acceptance.

28. Term, termination, and effect

28.1. These Terms apply from the moment you accept them or use the Services and continue until your Account is closed.

28.2. On termination: (a) your right to use the Services ends; (b) pending Transactions may be completed, cancelled, or reversed at our discretion and as required by law; (c) you remain liable for amounts owed; and (d) any provision that by its nature should survive survives.

28.3. Return of balance. Subject to our legal, regulatory, and compliance obligations, any lawful hold, and our right to set off amounts you owe, we will make available any remaining Account Balance to which you are entitled. We may require you to complete verification before releasing funds.

29. Dormant and inactive accounts; unclaimed funds

29.1. We may treat an Account as dormant if there is no User-initiated activity for 12 consecutive months (or any period set by law). We may apply dormancy procedures, notify you, restrict the Account, and handle any remaining balance in accordance with applicable unclaimed-property / dormant-account laws.

30. Complaints and dispute resolution

30.1. Talk to us first. If you have a complaint, contact us at complaints@kuvarpay.com or through in-app support. We will acknowledge and aim to resolve it within the timeframes required by applicable law.

30.2. Regulatory escalation. If we cannot resolve your complaint, you may have the right to escalate it to the relevant regulator, ombudsman, or financial-consumer-protection body in your country.

30.3. Dispute resolution. Subject to any mandatory consumer right to bring proceedings in your country of residence, disputes will be resolved by the competent courts of your country of residence. Mandatory consumer-protection rights and any non-waivable right to bring a claim before a local court or ombudsman are preserved.

30.4. Time limit. To the extent permitted by law, any claim must be brought within one (1) year of the event giving rise to it, or it is permanently barred.

31. Governing law and country schedules

31.1. Governing law. Except where a mandatory law of your country of residence requires otherwise, these Terms and any dispute arising out of them are governed by the laws of Nigeria, without regard to conflict-of-laws rules. Mandatory consumer-protection laws of your country of residence continue to apply to you and are not displaced by this Section.

31.2. Country-specific terms. Country-specific terms apply to Users resident in the relevant country and prevail over the general Terms to the extent of any conflict, for that country only, covering the applicable regulator, data-protection law and any local data-residency requirement, permitted corridors, currencies and limits, local complaint-escalation routes, and any local virtual-asset restrictions.

32. General

32.1. Assignment. You may not assign or transfer your rights or obligations under these Terms without our consent. We may assign, transfer, or novate ours to an affiliate or successor, or in connection with a reorganization, merger, or sale, on notice to you.

32.2. Entire agreement. These Terms (with the documents they incorporate) are the entire agreement between you and us about the Services.

32.3. Severability. If any provision is held unenforceable, it is modified to the minimum extent necessary to be enforceable, or severed, and the remaining provisions continue in force.

32.4. No waiver. Our failure to enforce a provision is not a waiver of it.

32.5. No third-party rights. No one other than you and us has any right to enforce these Terms, except that our affiliates and indemnified persons may enforce Sections 24 and 26, and Apple may enforce Section 20.2 as a third-party beneficiary.

32.6. Relationship. Nothing in these Terms creates a partnership, agency, joint venture, or employment relationship between you and us.

32.7. Language. These Terms are in English. Any translation is for convenience only; the English version governs to the extent permitted by law.

33. How to contact us

By creating an Account or using the Services, you acknowledge that you have read and agree to these Terms of Service and the Privacy Policy.