Terms of Service

1. Acceptance of Terms

By accessing or using FellowPay's services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Eligibility

To use FellowPay, you must be at least 18 years old and capable of entering into a legally binding agreement. By using our services, you represent and warrant that you meet these requirements.

3. Account Registration

To access our services, you must create an account by providing accurate and complete information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Keeping your account information up to date

4. Services

FellowPay provides digital payment services including money transfers, bill payments, airtime purchases, and related financial services. We reserve the right to modify, suspend, or discontinue any part of our services at any time.

5. Transaction Limits

Transaction limits apply based on your account verification status. Daily, weekly, and monthly limits may be imposed and are subject to change. Complete KYC verification to access higher transaction limits.

6. Fees

Certain services may incur fees. All applicable fees will be disclosed before you complete a transaction. We reserve the right to change our fee structure with prior notice.

7. Prohibited Activities

You agree not to use our services for:

• Illegal or fraudulent activities
• Money laundering or terrorist financing
• Violating any applicable laws or regulations
• Attempting to bypass security measures
• Interfering with the operation of our services

8. Limitation of Liability

To the maximum extent permitted by law, FellowPay shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

9. Dispute Resolution

Any disputes arising from these terms or your use of our services shall be resolved through arbitration in Lagos, Nigeria, in accordance with applicable Nigerian laws.

10. Contact

For questions about these Terms of Service, please contact us at legal@fellowpay.com.