Effective Date: August 21, 2025
By accessing or using Avopay's website, mobile apps, or services ("Services"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree, do not use the Services.
You must be at least 18 years old and legally capable of entering binding contracts to use our Services, unless a higher minimum age applies in your jurisdiction. By using the Services, you represent and warrant that you meet these requirements.
To use certain features you must create an account. You agree to provide accurate, current and complete information and to maintain and update your information as needed. You are responsible for safeguarding your account credentials and for all activity that occurs under your account. Notify us immediately of any unauthorized use.
Avopay provides digital top-ups, airtime, bill payments, cable subscriptions, movie ticket purchases and related services. All transactions are subject to availability and applicable fees. We reserve the right to refuse, cancel or limit transactions for any reason, including suspected fraud or misuse.
Prices and fees are displayed at the time of purchase. We accept payments through authorized third-party payment processors. You agree to pay all charges incurred by your account, including taxes and fees. Transaction disputes should be reported promptly to our support team.
Refunds are issued at our discretion, consistent with applicable law and our refund policies. Certain purchases (e.g., airtime, data top-ups, certain tickets) may be non-refundable once processed. If a refund is approved, we will process it using the original payment method where possible.
When using our Services you agree not to:
All content on the Services—text, graphics, logos, images, software and other materials—is owned or licensed by Avopay and protected by copyright, trademark and other laws. You may not copy, modify, distribute or create derivative works without our prior written permission.
If you submit reviews, feedback, or other content ("User Content"), you grant Avopay a worldwide, royalty-free, non-exclusive license to use, reproduce, modify, publish and display that content in connection with the Services. You represent that you own the rights to your User Content and that it does not infringe third-party rights.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. Avopay DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
IN NO EVENT SHALL Avopay, ITS AFFILIATES OR PARTNERS BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY IS LIMITED TO THE AMOUNT YOU PAID US IN THE PRIOR 12 MONTHS, OR ONE HUNDRED U.S. DOLLARS (USD 100), WHICHEVER IS GREATER, EXCEPT WHERE APPLICABLE LAW REQUIRES OTHERWISE.
You agree to indemnify, defend and hold Avopay harmless from and against any claims, liabilities, losses, damages and expenses (including reasonable legal fees) arising from your breach of these Terms or your misuse of the Services.
We may suspend or terminate your access at any time for violation of these Terms, suspected fraud, or if required by law. Upon termination, your right to use the Services ceases but certain provisions (e.g., intellectual property, disclaimers, limitations of liability) will survive.
We may send notices via email, in-app messages, or by posting on the Services. You agree that such notices satisfy legal notification requirements.
These Terms are governed by the laws of the Federal Republic of Nigeria. For disputes, we prefer to resolve issues informally—please contact support first. If we cannot resolve a dispute, you and Avopay agree to submit to the exclusive jurisdiction of the courts located in Nigeria. Where applicable law requires, disputes may be referred to arbitration—unless prohibited by local regulations.
We may change these Terms from time to time. If changes are material, we will provide notice. Continued use of the Services after changes constitutes acceptance of the updated Terms.
If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect. These Terms, together with any policies referenced herein (Privacy Policy, Acceptable Use Policy), constitute the entire agreement between you and Avopay concerning the Services.
For questions about these Terms, please contact us:
Avopay
Email: privacy@avopay.ng
Address: [Your Company Address Here]
Last updated: August 21, 2025