Terms and Conditions
Effective Date: May 24, 2025
Welcome to Paysteeze! These Terms and Conditions ("Terms") govern your use of our website, mobile application, and services. By accessing or using Paysteeze, you agree to be bound by these Terms.
1. Acceptance of Terms
By using Paysteeze, you agree to comply with these Terms and all applicable laws and regulations. If you do not agree, do not use our platform.
2. Services Offered
Paysteeze provides financial technology services including:
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Bill payments (airtime, electricity, TV, internet, etc.)
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Fund transfers between users
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Donations and recurring subscriptions
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Virtual card creation and management
We reserve the right to add, remove, or modify features at our discretion.
3. Eligibility
You must be at least 18 years old and capable of entering into a binding agreement to use Paysteeze. Users must provide accurate and complete registration information.
4. User Responsibilities
You agree to:
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Maintain the confidentiality of your account and login details.
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Provide accurate information during sign-up and transactions.
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Use Paysteeze only for lawful purposes.
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Notify us immediately of unauthorized account use or security breach.
5. Payments and Fees
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Transactions may be subject to convenience fees, FX charges, or card issuance/maintenance fees.
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By using Paysteeze, you authorize us to debit your wallet, linked card, or bank account.
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All fees are non-refundable unless stated otherwise.
6. Virtual Cards
Paysteeze offers virtual cards through licensed third-party partners. You understand that:
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The virtual cards are subject to funding limits, transaction restrictions, and fees.
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You may not use them for illegal or high-risk activities.
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Paysteeze may freeze, cancel, or restrict cards for security or regulatory reasons.
7. Compliance & KYC
To comply with Nigerian regulations:
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You may be required to complete identity verification (KYC).
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We may request BVN, NIN, or other government-issued IDs.
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Failure to comply may result in account suspension or limits.
8. Acceptable Use
You agree not to use Paysteeze for:
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Money laundering or terrorist financing
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Fraudulent activity or impersonation
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Gambling, drugs, or illegal content
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Bulk or unauthorized automated transactions
9. Refunds & Reversals
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Transactions are generally non-reversible once confirmed.
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Refunds may be processed only in cases of failed or duplicate transactions.
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All refund requests must be submitted via support channels within 7 days.
10. Intellectual Property
All content on Paysteeze (logos, software, graphics, text) is the property of Paysteeze or its licensors. You may not copy, reproduce, or exploit any content without written permission.
11. Account Termination
We reserve the right to suspend or terminate your account:
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For breach of these Terms
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For illegal activity
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Upon law enforcement request
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For inactivity exceeding 12 months
12. Limitation of Liability
Paysteeze is provided “as is.” We are not liable for:
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Indirect or consequential losses
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Delays due to third-party service providers
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Unauthorized access to your account due to your negligence
13. Privacy Policy
Your use of Paysteeze is also governed by our [Privacy Policy]. Please review it to understand how we handle your personal data.
14. Changes to Terms
We may update these Terms from time to time. Continued use of the service after updates means you accept the new terms.
15. Governing Law
These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes will be settled in Lagos, Nigeria.
16. Contact Us
For support or questions, contact:
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Email: support@paysteeze.com