Terms and Conditions

Introduction

Welcome to KiaPays.

These Terms and Conditions (“Terms”) govern your access to and use of the KiaPays website, mobile applications, digital platforms, products, features and services (collectively, the “KiaPays Services”).

KiaPays is operated by KIA Technology Services Limited (“KIA Technology”, “we”, “us”, or “our”), a company incorporated under the laws of the Federal Republic of Nigeria.

By creating a KiaPays account, accessing our website, downloading or using our mobile application, or otherwise using any KiaPays Service, you acknowledge that you have read, understood and agreed to these Terms.

If you do not agree to these Terms, you should not use KiaPays.

About KiaPays

KiaPays is a digital technology platform that provides users with access to financial, payment, utility, telecommunications, travel and other digital and lifestyle services.

Depending upon availability, KiaPays services may include:

• Airtime purchases
• Mobile data purchases
• Electricity payments
• Cable and television subscriptions
• Wallet functionality
• Transfers
• Virtual cards
• International airtime
• Betting account funding
• Bulk SMS
• Recharge card services
• Insurance-related services
• Flight bookings
• Hotel bookings
• Handyman or marketplace services
• Other services introduced from time to time

Certain KiaPays services are provided through or facilitated by banks, payment service providers, telecommunications companies, card issuers, billers, travel providers, insurers and other third-party service providers.

KiaPays does not represent itself as the underlying provider of a regulated service where that service is supplied by an authorised third-party provider.

Eligibility

To create and operate a KiaPays account, you must satisfy the eligibility requirements applicable to the particular service you wish to use.

You must provide accurate, current and complete information during registration and verification.

Where a service is legally restricted by age, jurisdiction, identity-verification requirements or another eligibility criterion, you must satisfy those requirements before accessing that service.

We may request additional information or documentation where reasonably necessary for identity verification, fraud prevention, regulatory compliance or provision of a particular service.

Account Registration

To access certain KiaPays Services, you must create an account. You agree to:

• Provide accurate information
• Maintain accurate and current account information
• Maintain the confidentiality of your login credentials
• Protect your PIN, password and OTP
• Prevent unauthorised access to your device and account
• Notify us promptly of suspected unauthorised access
• Comply with any verification procedures applicable to your account

You are responsible for activities conducted through your account where those activities have been properly authenticated, subject to applicable law and our obligations regarding fraud, security and unauthorised transactions.

Identity Verification and KYC

KiaPays may conduct identity verification and Know Your Customer (“KYC”) procedures directly or through authorised service providers.

Depending upon the services requested, we may request information including:

• Full legal name
• Date of birth
• Telephone number
• Email address
• Residential address
• Bank Verification Number (BVN)
• National Identification Number (NIN)
• Government-issued identification
• Photograph or selfie
• Business registration information
• Other information reasonably required for verification or compliance

We may restrict certain features until required verification has been completed.

KiaPays Wallet

Where wallet functionality is made available, users may be able to fund their account, receive eligible credits and use available balances for supported transactions.

Wallet services may depend upon underlying banking or payment infrastructure supplied by third-party financial service providers.

KiaPays may establish transaction limits based on account verification level, security requirements, partner requirements or applicable regulations.

Users must not use KiaPays wallets for unlawful activities.

Payments and Transactions

Before authorising a transaction, you are responsible for checking:

• Recipient information
• Account details
• Telephone number
• Service provider
• Amount
• Product or service selected
• Other relevant transaction details

Once a transaction has been successfully submitted or processed, it may not always be possible to cancel or reverse it.

Where a transaction fails but the user's wallet or payment method has been debited, KiaPays will investigate and, where appropriate, initiate or facilitate a reversal in accordance with applicable payment-processing procedures.

Fees and Charges

Certain KiaPays Services may attract fees, commissions, convenience charges or other applicable costs.

Where practicable, applicable charges will be disclosed before a transaction is confirmed.

Third-party providers may impose separate charges.

Fees may change from time to time due to changes in provider pricing, regulatory requirements, taxes, operational costs or commercial arrangements.

Airtime, Data and Bill Payments

KiaPays facilitates purchases and payments through telecommunications companies, utility providers, aggregators and other service providers.

Users are responsible for ensuring that telephone numbers, meter numbers, smart-card numbers and other beneficiary information are correct before submitting transactions.

KiaPays may not be able to reverse successfully delivered airtime, data or other digitally fulfilled products sent to details supplied incorrectly by the user.

Virtual Cards

Where virtual-card services are available, the cards may be issued or processed by authorised third-party financial institutions or card-service providers.

Additional terms imposed by the relevant card issuer, payment network or service provider may apply.

KiaPays may impose transaction limits, usage restrictions or additional verification requirements.

Transfers

Users must verify recipient details before authorising transfers.

Transfer processing may depend upon banks, payment processors, switching companies or other third-party infrastructure.

Processing times may therefore be affected by circumstances beyond KiaPays' direct control.

Travel Services

Flight and hotel services available through KiaPays may be provided through third-party airlines, hotels, travel technology companies, aggregators or booking providers.

Bookings may therefore be subject to the provider's:

• Cancellation conditions
• Refund rules
• Rescheduling policies
• Baggage conditions
• Check-in requirements
• Other terms

KiaPays acts as a technology platform or intermediary where applicable and does not control airline schedules, hotel availability or third-party travel-provider operations.

Marketplace and Handyman Services

Where KiaPays connects users with independent service providers, those providers may operate independently of KiaPays.

Users should review applicable service details before engaging a provider.

Specific marketplace terms may apply to these services.

Prohibited Activities

You must not use KiaPays to:

• Commit fraud
• Launder money
• Finance terrorism
• Process proceeds of crime
• Conduct unauthorised transactions
• Impersonate another person
• Use stolen payment credentials
• Manipulate the KiaPays platform
• Attempt unauthorised access to systems
• Introduce malware
• Circumvent security controls
• Abuse promotions or referral programmes
• Create accounts using false information
• Engage in unlawful gambling activity
• Violate intellectual-property rights
• Conduct any activity prohibited by applicable law

We may investigate suspicious activities and cooperate with competent authorities where legally required.

Account Restrictions and Suspension

We may temporarily restrict or suspend an account where reasonably necessary because of:

• Suspected fraud
• Security concerns
• Unusual transaction patterns
• Identity-verification issues
• Legal requirements
• Court or regulatory orders
• Chargebacks
• Investigation of complaints
• Breach of these Terms
• Risk to KiaPays, our partners or other users

Where legally and operationally permissible, we will provide appropriate information concerning restrictions placed on an account.

Refunds and Reversals

Refund eligibility depends on the nature and status of the relevant transaction.

A transaction successfully fulfilled by a third-party provider may not be refundable merely because a user changes their mind.

Failed or incorrectly processed transactions will be investigated.

Applicable refunds or reversals will be processed in accordance with the relevant transaction type, provider rules and applicable law.

Third-Party Services

KiaPays integrates with third-party service providers.

These may include payment processors, financial institutions, telecommunications companies, utility companies, travel providers, insurance providers, verification providers and other technology companies.

Your use of certain services may therefore also be subject to the relevant provider's terms and privacy policies.

Security

KiaPays implements technical and organisational safeguards designed to protect users and their information. However, users are also responsible for protecting their accounts.

Intellectual Property

The KiaPays name, logo, application, software, interface, graphics, designs, trademarks, content and related intellectual property belong to KIA Technology Services Limited or their respective licensors.

Users may not reproduce, copy, modify, distribute or commercially exploit KiaPays intellectual property without appropriate permission.

Service Availability

We aim to maintain reliable access to KiaPays. However, services may occasionally be interrupted because of:

• Maintenance
• Network failures
• Telecommunications failures
• Banking infrastructure
• Third-party downtime
• Cybersecurity incidents
• System upgrades
• Events outside our reasonable control

We do not guarantee uninterrupted availability of every service at all times.

Limitation of Liability

Nothing in these Terms excludes liability that cannot lawfully be excluded.

Subject to applicable law, KiaPays will not be responsible for losses caused solely by circumstances outside our reasonable control, third-party outages, incorrect information supplied by users, or unauthorised activity resulting from a user's failure to reasonably safeguard their credentials.

This provision does not remove any statutory consumer rights or obligations imposed upon KiaPays by applicable law.

Privacy

Our collection and processing of personal information is governed by our Privacy Policy.

By using KiaPays, you acknowledge that your personal information will be handled as described in that Policy.

Complaints

Users can submit complaints concerning KiaPays Services through our designated customer-support channels.

We will investigate complaints and provide appropriate responses in accordance with our complaints procedures and applicable requirements.

Changes to These Terms

We may modify these Terms where necessary to reflect changes in:

• KiaPays Services
• Applicable laws
• Regulatory requirements
• Technology
• Security requirements
• Business operations

Material changes may be communicated through the website, application, email or other appropriate channels.

Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria.

Nothing in this section prevents users from exercising any mandatory consumer or statutory rights available under applicable law.

Contact

Questions concerning these Terms can be submitted to: