Terms of Service

For purposes of these Terms:

“Account” means the user account created by you to access the OffPay Services.

“Available Balance” means the balance recorded by OffPay as available for transactions, subject to applicable holds, restrictions, pending transactions, fees, reversals and other adjustments.

“Offline Allowance” means the portion of an eligible user's Available Balance that OffPay's systems may make available for authorized offline transactions during a temporary loss of connectivity.

“Offline Transaction” means a transaction initiated through an eligible OffPay account while the user's device is temporarily unable to communicate with OffPay's online systems.

“Payment Partner” means a bank, payment service provider, payment processor, financial institution, technology provider or other regulated or non-regulated service provider engaged by OffPay to provide infrastructure supporting the Services.

“Personal Data” has the meaning assigned to it under applicable data-protection law.

“Transaction” means any transfer, payment, deposit, withdrawal, wallet movement, funding transaction or other financial activity initiated through the Services.

“Wallet” means the digital wallet functionality associated with your OffPay Account.

Headings are for convenience only and do not affect the interpretation of these Terms.

By creating or using an OffPay Account, you confirm that:

you have read and understood these Terms;

you agree to comply with these Terms;

you agree to the OffPay Privacy Policy and other policies applicable to the Services;

all information provided by you is accurate, complete and not misleading; and

you have legal capacity to enter into this agreement.

If you are accessing the Services on behalf of a business or other legal entity, you represent that you have authority to bind that entity to these Terms.

1. Minimum Age

You must be at least 18 years old to open and operate an OffPay Account unless OffPay expressly provides otherwise in accordance with applicable law.

2. Identity Requirements

To open an Account, you may be required to provide information and documentation necessary for identity verification and customer due diligence.

This may include:

your full legal name;

telephone number;

email address;

Bank Verification Number (BVN), where applicable;

government-issued identification;

passport photograph or other biometric information;

residential address;

source-of-funds information; and

any other information reasonably required by OffPay or its Payment Partners.

3. Accuracy of Information

You must provide information that is truthful, accurate, current and complete.

You must promptly update information that becomes inaccurate or outdated.

Providing false information, another person's identity documents or misleading information may result in account restriction, suspension or closure.

1. Account Creation

You may create an OffPay Account through the approved registration process.

Creating an Account does not automatically entitle you to use every OffPay service.

Certain Services may require additional verification or eligibility requirements.

2.Pending Verification

An Account may remain in “Pending Verification” status until OffPay or its designated verification provider has completed the applicable verification process.

While verification is pending, OffPay may restrict your ability to send, receive, withdraw or otherwise transact.

3. Verification Review

OffPay may conduct manual or automated verification checks.

OffPay may request additional information or documentation where:

submitted information is incomplete;

information does not match available records;

identity cannot be adequately established;

transactions appear unusual;

additional regulatory due diligence is required; or

OffPay reasonably considers further verification necessary.

4. Refusal of Account Opening

OffPay may decline an application where permitted by law.

Where disclosure is legally permissible and does not compromise security, fraud prevention or a regulatory investigation, OffPay may provide general information concerning the reason for refusal.

Your OffPay Account is personal to you unless OffPay expressly provides a business or organizational account.

You must not:

sell, rent, transfer or assign your Account;

permit another person to operate your Account;

provide another person with your authentication credentials;

create an Account using another person's identity; or

maintain multiple Accounts for the purpose of circumventing limits, restrictions or security controls.

OffPay may restrict or close Accounts created or operated in violation of these requirements.

1. Digital Wallet

Where available, OffPay may provide you with Wallet functionality for supported transactions.

The Wallet is an electronic representation of your eligible balance within the OffPay system and does not, by itself, constitute a separate bank account.

2. Virtual Bank Account

Eligible users may receive a dedicated virtual bank account number or payment account identifier through a Payment Partner.

The virtual account may allow transfers from supported Nigerian banks or payment channels into the user's OffPay Wallet.

The virtual account is provided through the relevant Payment Partner and remains subject to that provider's requirements and applicable law.

3. Payment Infrastructure

OffPay may use one or more Payment Partners to process deposits, transfers, account services, identity verification and other aspects of the Services.

OffPay may change or replace a Payment Partner where reasonably necessary for operational, regulatory, technical, security, commercial or other legitimate reasons.

Where supported, you may fund your Wallet through approved payment channels.

A deposit or funding transaction may remain pending until confirmation is received from the relevant Payment Partner or financial institution.

OffPay is not responsible for delays caused by:

incorrect bank details;

banking-system failures;

payment-provider failures;

telecommunications failures;

regulatory intervention;

incorrect transaction references; or

circumstances outside OffPay's reasonable control.

You must not intentionally initiate, duplicate or manipulate funding transactions.

Subject to applicable limits and eligibility requirements, OffPay may allow you to transfer funds to another OffPay user using the recipient's Wallet ID or other approved identifier.

You are responsible for verifying the recipient's details before confirming a transaction.

A transaction sent to the wrong recipient may not be reversible where the funds have already been successfully delivered and recovery is not legally or technically possible.

OffPay may nevertheless assist with recovery efforts where reasonably practicable.

1. Nature of the Offline Feature

OffPay provides a controlled offline functionality designed to allow eligible users to make limited wallet-to-wallet transactions during temporary periods when their device cannot maintain an internet connection.

The Offline feature is designed to mitigate connectivity interruptions while incorporating controls intended to reduce double-spending, unauthorized transactions and other risks.

2. Offline Allowance

When your device loses connectivity, OffPay may automatically restrict a portion of your Available Balance and designate the remaining eligible portion as your Offline Allowance.

Under the current product configuration:

Up to 40% of an eligible balance may remain available for permitted offline transactions, while up to 60% may remain restricted pending reconnection and reconciliation.

The applicable percentage is a product and risk-control parameter and may be changed by OffPay where reasonably necessary.

3. No Guaranteed Offline Availability

The Offline feature is not guaranteed to be available for every Account, device, transaction, amount or circumstance.

OffPay may disable or restrict offline functionality where necessary for:

fraud prevention;

security;

regulatory compliance;

technical reasons;

account risk;

transaction limits;

device integrity;

suspicious activity; or

other legitimate operational reasons.

4. Offline Transaction Queue

Where an Offline Transaction is permitted, the transaction may be temporarily stored or queued on the user's device pending synchronization with OffPay's systems.

The transaction is not necessarily considered finally settled merely because the user receives an offline confirmation.

Final settlement may require successful synchronization, verification and reconciliation.

5. Reconciliation

Once connectivity is restored, queued transactions may be transmitted to OffPay for verification and reconciliation.

OffPay may validate:

the transaction amount;

available Offline Allowance;

transaction sequence;

device information;

account status;

transaction limits;

authentication information; and

other applicable security conditions.

6. Rejected Offline Transactions

If an Offline Transaction cannot be successfully validated or reconciled, OffPay may reject or reverse that transaction in accordance with applicable procedures.

This may occur, for example, where:

the transaction exceeds the applicable Offline Allowance;

conflicting transactions have occurred;

the account has been restricted;

security controls have been triggered;

the transaction has been duplicated;

the device or application has been compromised; or

the transaction cannot otherwise be authenticated or reconciled.

OffPay will not intentionally permit a transaction merely to cause the Wallet to maintain a negative balance.

7. Prohibition on Manipulation

You must not attempt to:

alter the Offline Allowance;

modify application files or transaction records;

manipulate device time or transaction sequence;

duplicate queued transactions;

bypass synchronization;

exploit application vulnerabilities;

interfere with reconciliation; or

otherwise circumvent OffPay's offline security controls.

Any such conduct may constitute a material breach of these Terms and may result in immediate account restriction or closure.

A transaction initiated using your authenticated Account, PIN, OTP, biometric authentication, device authentication or other approved authentication method may be treated as authorized by you unless there is evidence of unauthorized access or another applicable exception.

You must immediately notify OffPay if you believe that:

your Account has been compromised;

your PIN has been disclosed;

your device has been lost or stolen;

an OTP has been obtained by another person; or

an unauthorized transaction has occurred.

You remain responsible for taking reasonable steps to secure your Account.

OffPay may charge fees for deposits, transfers, withdrawals, premium services, account-related services and other Services.

Applicable charges will be displayed through the relevant transaction interface, fee schedule, confirmation screen, receipt or other appropriate communication.

Where technically and legally practicable, applicable transaction fees will be displayed before you confirm the transaction.

Fees may be deducted automatically from your Account or included in the transaction amount.

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

OffPay may impose limits on:

deposits;

transfers;

withdrawals;

offline transactions;

transaction frequency;

account balances;

daily or monthly activity; and

other Services.

Limits may vary according to factors including:

verification level;

account type;

transaction history;

risk assessment;

regulatory requirements;

Payment Partner requirements; and

applicable law.

OffPay may change or impose limits where reasonably necessary for security, risk management, compliance or operational purposes.

OffPay may correct, reverse, cancel or adjust a transaction where reasonably necessary because:

the transaction was processed incorrectly;

a technical error occurred;

a transaction was duplicated;

fraud or unauthorized activity is established;

the transaction was processed contrary to applicable rules;

a Payment Partner requires a reversal;

a regulator or competent authority requires action; or

applicable law otherwise requires or permits the adjustment.

Where a transaction is reversed or adjusted, OffPay will record the applicable adjustment in the user's transaction history where reasonably practicable.

A reversal does not necessarily mean that OffPay has accepted liability for the underlying transaction.

If you believe that a transaction was not authorized by you, you must notify OffPay as soon as reasonably practicable after discovering it.

You may be required to provide information reasonably necessary to investigate the transaction.

OffPay may investigate suspected unauthorized transactions and may share relevant information with Payment Partners, financial institutions, regulators, law enforcement authorities or other authorized parties where permitted or required by law.

You must not use OffPay to:

commit or facilitate fraud;

launder money;

finance terrorism;

facilitate sanctions evasion;

receive or transfer proceeds of crime;

impersonate another person;

use stolen or fraudulent identity documents;

operate fraudulent schemes;

conduct unauthorized financial activities;

exploit vulnerabilities in the platform;

manipulate transaction records;

circumvent transaction limits;

manipulate the Offline Allowance;

interfere with reconciliation;

reverse-engineer or compromise security mechanisms;

introduce malicious software or code;

conduct unauthorized testing against the platform;

use the Services for any unlawful purpose; or

assist another person in engaging in prohibited activity.

OffPay may suspend, restrict or close an Account immediately where it reasonably believes prohibited activity has occurred or may be occurring.

Where required by law, relevant information may be reported to competent authorities.

OffPay maintains procedures designed to identify and mitigate risks relating to fraud, money laundering, terrorist financing and other financial crime.

You agree to cooperate with reasonable verification and due-diligence requests.

OffPay may request information concerning:

identity;

source of funds;

purpose of transactions;

occupation or business activities;

beneficial ownership;

expected transaction activity; and

other information required for risk assessment or regulatory compliance.

Failure to provide requested information may result in restrictions on your Account.

Where disclosure is prohibited by law, OffPay may be unable to provide detailed information concerning the reason for a particular restriction or investigation.

OffPay may block, freeze, suspend, restrict or close an Account where reasonably necessary because of:

suspected fraud;

suspicious activity;

violation of these Terms;

inaccurate or misleading information;

failure to complete verification;

legal or regulatory requirements;

instructions from a Payment Partner;

court order or lawful government request;

security concerns;

compromise of an Account or device;

inactivity;

financial crime concerns; or

other legitimate operational or risk-management reasons.

Where legally permissible, OffPay will provide reasonable information concerning the action taken and available resolution procedures.

However, OffPay may withhold information where disclosure could:

compromise an investigation;

facilitate fraud;

prejudice security measures;

violate applicable law; or

conflict with a regulatory or law-enforcement requirement.

Where an Account is frozen or restricted:

the Wallet balance may remain recorded;

outgoing transactions may be disabled;

incoming transactions may be restricted;

Offline functionality may be disabled;

withdrawals may be restricted; and

additional verification may be required.

A freeze does not by itself constitute a forfeiture of the user's legitimate balance.

Any release, return or transfer of funds remains subject to verification, applicable law, Payment Partner requirements, lawful orders and the circumstances giving rise to the restriction.

You may request closure of your OffPay Account through the available account-management or support channels.

Account closure may be subject to:

completion or cancellation of pending transactions;

resolution of outstanding obligations;

applicable verification requirements;

fraud or compliance reviews; and

legal or regulatory retention requirements.

Closing an Account does not automatically terminate obligations that arose before closure.

You are responsible for maintaining reasonable security over:

your password;

transaction PIN;

OTPs;

authentication credentials;

mobile device;

email account;

SIM card; and

other credentials used to access OffPay.

OffPay employees and support personnel will not ask you to disclose your password, transaction PIN or OTP through an unsolicited communication.

You should never disclose such information to another person.

If you suspect that your credentials have been compromised, you must immediately contact OffPay through an official support channel.

Your use of OffPay is also governed by our Privacy Policy, which explains how OffPay collects, uses, stores, discloses and protects Personal Data.

By using the Services, you acknowledge that certain Personal Data may be processed for purposes including:

identity verification;

customer due diligence;

transaction processing;

fraud prevention;

account security;

customer support;

regulatory compliance;

service improvement; and

other lawful purposes described in the Privacy Policy.

Certain Services may depend on third-party providers.

OffPay does not control the availability, performance or security of third-party systems and is not responsible for failures caused solely by third-party infrastructure, except to the extent liability cannot lawfully be excluded.

Third-party services may be subject to separate terms and policies.

OffPay aims to provide reliable Services but does not guarantee that the platform will always be available, uninterrupted or error-free.

The Services may be temporarily unavailable due to:

internet outages;

telecommunications failures;

banking-system interruptions;

Payment Partner downtime;

scheduled maintenance;

emergency maintenance;

cyber-security incidents;

software or hardware failures;

regulatory intervention;

force majeure events; or

other circumstances beyond OffPay's reasonable control.

The Offline functionality is intended to mitigate certain connectivity failures but does not guarantee uninterrupted transaction capability.

All intellectual property rights in the OffPay platform, including software, interfaces, designs, trademarks, logos, documentation, content and technology, belong to OffPay or its licensors unless otherwise stated.

Subject to these Terms, OffPay grants you a limited, non-exclusive, non-transferable and revocable right to access and use the Services for their intended purpose.

You must not copy, modify, distribute, sell, lease, sublicense, reverse-engineer or otherwise exploit OffPay intellectual property except where expressly permitted by law or by OffPay in writing.

Where the Services allow you to submit information, comments, documents or other content, you are responsible for ensuring that such content is lawful and accurate.

You grant OffPay the limited rights necessary to process such content for purposes of providing, securing and improving the Services and complying with applicable law.

To the maximum extent permitted by applicable law, OffPay does not guarantee that:

the Services will always be available;

every transaction will be completed successfully;

the Offline feature will always be available;

every Offline Transaction will ultimately settle;

third-party payment infrastructure will remain continuously available;

the Services will be completely free from technical errors or security incidents; or

the Services will meet every individual user's particular requirements.

OffPay does not guarantee that fraudulent activity or unauthorized access can be completely prevented.

To the maximum extent permitted by applicable Nigerian law, OffPay shall not be liable for losses arising directly from:

your failure to protect your Account credentials;

your disclosure of your password, PIN or OTP;

incorrect recipient information supplied by you;

unauthorized access resulting from your failure to secure your device or credentials;

interruption or failure of third-party infrastructure;

telecommunications or internet failures;

events beyond OffPay's reasonable control;

your violation of these Terms; or

your use of the Services for an unlawful or prohibited purpose.

Nothing in these Terms shall exclude or limit any liability that cannot lawfully be excluded or limited under applicable Nigerian law, including liability arising from fraud, wilful misconduct or other liability that the law requires to remain with OffPay.

Nothing in these Terms is intended to deprive a User of any mandatory statutory or regulatory protection applicable to that User.

To the extent permitted by applicable law, you agree to indemnify and hold harmless OffPay, its directors, officers, employees, agents and service providers against reasonable losses, claims, liabilities, costs and expenses arising from:

your material breach of these Terms;

fraudulent or unlawful use of your Account;

your violation of applicable law;

your infringement of third-party rights; or

your intentional misuse of the Services.

This clause does not apply to the extent that the relevant loss resulted from OffPay's own fraud, wilful misconduct or liability that cannot lawfully be transferred to you.

OffPay may modify, suspend, replace or discontinue features of the Services where reasonably necessary for:

security;

regulatory compliance;

technical development;

operational requirements;

fraud prevention;

business continuity; or

other legitimate purposes.

Where a material change affects your contractual rights or obligations, OffPay will provide notice where required by applicable law.

OffPay may amend these Terms from time to time.

Where changes are material, OffPay will provide reasonable notice through the application, website, email or another appropriate communication channel where required by law.

The revised Terms will become effective on the date stated in the notice.

Where legally permissible, continued use of the Services after the effective date constitutes acceptance of the revised Terms.

If you do not agree to a material amendment, you may stop using the Services and request closure of your Account, subject to applicable obligations, pending transactions, restrictions and legal requirements.

If you have a complaint concerning the Services, you should first contact OffPay through the official support channels provided within the application or on the OffPay website.

You should provide sufficient information to enable OffPay to investigate the complaint, including where available:

transaction reference;

date and time;

amount;

relevant account information;

recipient or sender details; and

a description of the issue.

OffPay will review complaints in accordance with its applicable complaints-handling procedures.

Nothing in this section prevents a User from exercising any statutory right to approach a competent regulator, court or other lawful dispute-resolution body.

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

Subject to any mandatory dispute-resolution or regulatory procedure applicable to a particular matter, the competent courts of Nigeria shall have jurisdiction over disputes arising from or relating to these Terms or the Services.

If any provision of these Terms is determined to be unlawful, invalid or unenforceable, that provision shall be interpreted or modified to the minimum extent necessary to make it enforceable where legally possible.

The invalidity or unenforceability of one provision shall not affect the remaining provisions.

A failure or delay by OffPay in exercising any right or remedy under these Terms does not constitute a waiver of that right or remedy.

A waiver is effective only where expressly given by OffPay.

You may not assign, transfer or otherwise dispose of your rights or obligations under these Terms without OffPay's prior written consent.

OffPay may assign or transfer its rights and obligations under these Terms to an affiliate, successor, purchaser or other entity in connection with a corporate restructuring, merger, acquisition, transfer of business or other legitimate business transaction, subject to applicable law.

These Terms, together with the Privacy Policy and other policies expressly incorporated by reference, constitute the agreement between you and OffPay concerning your use of the Services.

Where a specific product or service is governed by additional terms, those additional terms will apply to that product or service.

If there is a conflict between these Terms and specific product terms, the specific product terms will prevail to the extent of the conflict, unless applicable law provides otherwise.

Questions, complaints and legal notices concerning these Terms may be submitted through the official OffPay support channels.

4GO TECHNOLOGY LTD

Legal/Compliance Email: 4gotechnologiesltd@gmail.com

Support Email: adekeyelukmans@gmail.com

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

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

By creating an OffPay Account or using the Services, you acknowledge that:

you have had the opportunity to read these Terms;

you understand the nature and limitations of the Services;

you understand that certain Services depend on third-party infrastructure;

you understand that Offline Transactions may be subject to subsequent verification and reconciliation;

you understand that applicable fees and transaction limits may apply;

you agree to comply with applicable law and these Terms; and

you agree to the processing of your Personal Data in accordance with the OffPay Privacy Policy.

4GO TECHNOLOGY LTD

Building payment infrastructure for how Nigerians actually move money.