Built for how Nigerians actually move money.

OffPay's purpose is to make digital payments more resilient, accessible and dependable.

We believe that a temporary interruption in internet connectivity should not unnecessarily prevent legitimate commerce where appropriate technical and security safeguards can be applied.

Our platform therefore seeks to combine:

digital wallet technology;

reliable payment infrastructure;

identity verification;

transaction monitoring;

controlled offline functionality;

transparent transaction records; and

appropriate security and compliance controls.

Our objective is not merely to move money digitally, but to provide infrastructure that enables users to transact with greater confidence even when network conditions are unreliable.

Subject to the services available to a particular user and the applicable terms, OffPay may provide access to:

1. Digital Wallet Services

Users may be provided with a digital wallet or wallet-related functionality through which eligible funds may be recorded, managed and used for supported transactions.

Wallet functionality is subject to identity verification, applicable transaction limits, security controls, regulatory requirements and the terms applicable to the relevant service.

2. Virtual Bank Account Infrastructure

Eligible users may be provided with a dedicated virtual bank account or payment account identifier through our regulated payment infrastructure partners.

The availability, functionality and terms of such accounts may depend on the applicable payment service provider, banking partner, regulatory requirements and the user's verification status.

3. Bank Transfer Funding

OffPay may enable users to fund their wallets through bank transfers using supported payment infrastructure.

Transactions may be processed through one or more regulated third-party payment service providers or financial infrastructure partners.

Where multiple providers are available, OffPay may use routing, switching or failover mechanisms intended to improve service availability.

4. Wallet-to-Wallet Transfers

Subject to applicable limits and eligibility requirements, OffPay may enable users to transfer funds between supported OffPay accounts.

Transactions may be subject to authentication, transaction monitoring, fraud controls, balance verification and other security measures.

5. Offline Spending Functionality

OffPay's offline functionality is designed to provide a limited spending capability during temporary periods in which a user's device cannot maintain a connection to the OffPay service.

Where an account is eligible for offline functionality, OffPay may designate a portion of the user's available balance as an Offline Allowance.

Under the current product design, up to 40% of an eligible balance may be made available for permitted offline transactions, while the remaining 60% may remain restricted until connectivity is restored and the relevant transactions can be verified and reconciled.

The applicable percentage, transaction limits, eligibility requirements and security controls may be changed by OffPay where reasonably necessary for security, fraud prevention, regulatory compliance, operational requirements or product development.

The Offline Allowance does not constitute a separate bank account or independent deposit. It is a technical mechanism for controlling transaction authorization during periods of temporary connectivity loss.

6. Receipts and Statements

OffPay seeks to provide users with appropriate transaction records, including receipts, transaction histories and/or statements for supported transactions.

Users are responsible for reviewing their transaction records and promptly reporting any transaction that they believe to be unauthorized, inaccurate or otherwise irregular.

OffPay operates identity verification and customer due diligence procedures designed to reduce fraud, unauthorized account use, money laundering, terrorist financing and other prohibited activities.

Depending on the service, jurisdiction, transaction limits and applicable regulatory requirements, OffPay may require users to provide information including:

full legal name;

telephone number;

residential or business information;

Bank Verification Number (BVN), where applicable;

government-issued identification;

passport photograph or other identity verification information;

business registration information;

beneficial ownership information;

source-of-funds information; and

any other information reasonably required for verification, risk assessment or regulatory compliance.

Submission of identity information does not automatically guarantee account approval.

OffPay may conduct manual or automated reviews and may request additional documentation where information provided is incomplete, inconsistent, suspicious or otherwise requires further verification.

OffPay reserves the right to refuse, delay, restrict or suspend access to a service where required information has not been satisfactorily verified or where such action is reasonably necessary for security, fraud prevention or compliance purposes.

OffPay may rely on regulated financial institutions, payment service providers, payment processors, banks, identity verification providers, technology providers and other third-party infrastructure providers to deliver certain aspects of its services.

These providers may process transactions, provide virtual accounts, facilitate transfers, perform identity verification, support payment routing or provide other infrastructure necessary for the operation of the platform.

The availability of a particular payment method or service may therefore depend on the availability and terms of the relevant third-party provider.

OffPay may change, add or remove service providers where reasonably necessary to improve reliability, security, compliance, pricing, functionality or service availability.

OffPay applies technical, administrative and operational safeguards intended to protect user accounts, transaction information and the integrity of the platform.

These safeguards may include:

identity verification;

transaction limits;

authentication controls;

device and session monitoring;

transaction monitoring;

fraud detection mechanisms;

account restrictions;

suspicious-activity review;

transaction reconciliation; and

other security measures appropriate to the relevant service.

No electronic payment system can be guaranteed to be completely immune from fraud, unauthorized access, technical failure or other security incidents.

Users are responsible for maintaining the confidentiality of their passwords, PINs, authentication credentials, devices and other security information associated with their accounts.

OffPay is committed to providing users with clear information concerning applicable fees and transaction activity.

Where applicable, transaction records may identify:

transaction amount;

applicable fees;

transaction reference;

transaction date and time;

transaction status;

recipient or sender information;

applicable adjustments or deductions; and

other information necessary to explain the transaction.

Users should review their transaction records regularly and notify OffPay promptly where they identify a suspected error, unauthorized transaction or unexplained deduction.

OffPay may restrict, suspend or temporarily limit an account, wallet or transaction where reasonably necessary to:

protect the user or other users;

investigate suspected fraud;

investigate unauthorized activity;

comply with applicable law or regulatory requirements;

respond to a payment-provider instruction;

conduct KYC or customer due diligence;

investigate suspicious transactions;

prevent money laundering or terrorist financing;

comply with a lawful government or regulatory request; or

protect the integrity and security of the OffPay platform.

Where legally and operationally permissible, OffPay will seek to provide the affected user with appropriate information regarding the restriction and the available resolution process.

Nothing in this section requires OffPay to disclose information where doing so would compromise an investigation, violate applicable law, prejudice fraud-prevention measures or breach a legal or regulatory obligation.

OffPay may charge fees for certain services.

Applicable fees will be communicated to users through the relevant service interface, fee schedule, transaction confirmation, terms or other appropriate communication before or at the time the relevant service is used, except where applicable law permits otherwise.

OffPay may change its fees from time to time, subject to applicable law and any notice requirements applicable to the relevant service.

Users should ensure that they understand the applicable fees before initiating a transaction.

OffPay is committed to operating its technology and services in accordance with applicable Nigerian laws and regulatory requirements relevant to the services it provides.

Where a regulated activity is performed by a licensed third-party institution, that activity may be provided through the relevant licensed institution or infrastructure partner.

Nothing contained in this document should be interpreted as a representation that OffPay itself holds a particular regulatory licence unless such licence is expressly identified and remains valid.

The regulatory status applicable to a particular OffPay service may depend on the structure of that service, the entity providing the regulated component and the applicable regulatory framework.

OffPay services must not be used for unlawful activities, fraudulent transactions, money laundering, terrorist financing, scams, unauthorized financial activity, impersonation, sanctions evasion or any other prohibited purpose.

OffPay may monitor transactions and account activity for security, fraud prevention, compliance and operational purposes in accordance with applicable law and our Privacy Policy.

Where prohibited or suspicious activity is identified, OffPay may take appropriate action, including restricting an account, cancelling or delaying a transaction where legally permissible, requesting additional information, reporting activity to an appropriate authority or taking other action required by law.

Users are responsible for:

providing accurate and complete information during registration and verification;

keeping their account credentials and authentication information secure;

ensuring that their devices are adequately protected;

reviewing transaction records regularly;

reporting suspected unauthorized transactions promptly;

using OffPay only for lawful purposes;

complying with applicable transaction limits;

providing additional information reasonably required for verification or compliance; and

ensuring that transactions initiated through their account are authorized.

Users must not attempt to manipulate the Offline Allowance, bypass transaction limits, duplicate transactions, interfere with reconciliation mechanisms or otherwise exploit vulnerabilities in the platform.

OffPay seeks to provide reliable and continuously available services but does not guarantee uninterrupted availability.

Service interruptions may occur as a result of:

telecommunications failures;

internet outages;

banking or payment-provider downtime;

scheduled maintenance;

emergency maintenance;

cyber-security incidents;

third-party service failures;

regulatory intervention;

force majeure events; or

other circumstances outside OffPay's reasonable control.

The purpose of OffPay's offline functionality is to reduce the impact of certain connectivity interruptions; it does not guarantee that every transaction can be completed while offline.

OffPay may modify, suspend, replace or discontinue particular features, services or functionality where reasonably necessary for operational, technical, security, regulatory, commercial or other legitimate reasons.

Where a change materially affects users' rights or obligations, OffPay will provide notice where required by applicable law.

OffPay recognizes the importance of protecting personal information.

Personal information collected through the platform may be processed for purposes including account creation, identity verification, transaction processing, fraud prevention, customer support, security, compliance and other legitimate business purposes.

The collection and processing of personal information is governed by OffPay's applicable Privacy Policy and other data-protection notices.

OffPay is committed to providing users with accessible channels through which they may request assistance, report transaction issues or submit complaints.

Users should provide sufficient information to enable OffPay to identify the relevant account or transaction, including where available:

transaction reference;

transaction date;

amount;

sender or recipient information; and

a description of the issue.

Complaints will be reviewed in accordance with OffPay's applicable complaints-handling procedures.

OffPay is committed to building financial technology around three core principles:

Reliability.

We seek to ensure that temporary connectivity problems do not unnecessarily prevent legitimate financial activity.

Transparency.

We seek to clearly communicate applicable fees, transaction information, account restrictions and material service conditions.

Security.

We design our services with controls intended to reduce fraud, unauthorized transactions, double-spending and other financial risks.

We recognize that trust in financial technology is earned through consistent conduct, transparent processes and responsible handling of user funds and information. OffPay therefore seeks to maintain appropriate safeguards while continuously improving the reliability and usability of its services.

This Corporate & Legal Overview provides general information about 4go Technologies Ltd and its technology and services. It does not, by itself, create a contractual relationship between OffPay and any user.

The rights and obligations applicable to users are governed by the specific terms, policies and agreements applicable to the relevant OffPay service, including the Terms of Service, Privacy Policy, Wallet and Payment Services Terms, KYC/AML Policy, Fees Policy, Complaints Policy and Offline Wallet Terms, as applicable.

Where there is a conflict between this overview and a specific contractual term applicable to a particular service, the specific contractual term will prevail to the extent permitted by applicable law.

4GO TECHNOLOGY LTD

Nigeria

Website: https://offpay.4go.com.ng

Email: 4gotechnologiesltd@gmail.com

Registered Office: No 26, Oremeta community, Igode, Ogun State.