Acceptance of Terms

By registering and opening an account on Confidcard.com, you have
unconditionally agreed to and accepted our terms of use. If you do not agree with any of these terms, please desist from using the Confidcard website, app, and its services. Please note that these terms may be revised and reissued at any time.Your continued use of the Confidcard.com Platform will be deemed as an irrevocable acceptance of any revisions. Notwithstanding the above, we will strive to notify you of changes to these terms which significantly affect your rights and obligations. Such notices shall be sent to the email address you provided as part of your account registration and it is your responsibility to keep your contact information up-to-date.

GENERAL

The terms and conditions of the Agreement (together with any other terms and conditions agreed in writing between the Company and the Client from time to time) constitute the entire agreement between the parties and supersede any previous agreement(s) or understanding(s) and may not be varied except with notice from the Company. No failure or delay by the Company in exercising any of its rights under the Agreement shall be deemed to be a waiver of that right, and no waiver by the Company of any breach of the Contract by the Client shall be considered as a waiver of any subsequent breach of the same or any other provision.

THE SERVICES

Confidcard.com is a platform that connects individuals who want to exchange gift cards and vouchers for cash with businesses looking for discounted gift cards as a payment alternative. We provide these services through our website, mobile app.

Your Responsibilities

By using our services, you agree to:

•     Provide accurate and detailed information for your requests.

•     Not request any services that are illegal, immoral, fraudulent, or could
endanger our staff or agents.

Payment & Service Delivery

Payment for services is required upfront. We may change our service charges, but we’ll always inform you before you make a payment. If we begin a service and you later cancel, you’ll be responsible for the cost of any services already incurred. We reserve the right to claim for any losses or damages resulting from such cancellations.

ELIGIBILITY

To be eligible for the use of Confidcard.com platform, you must:
a) Complete the registration process.
b) Not be less than 18 years of age as an individual and must possess the authority
to accept the terms of use on behalf of or if it’s a company.
c) Not have been previously suspended or banned from the use of
Confidcard.com Platform.
d) Pass all KYC and compliance requirements.

e) Not violate any law and regulation applicable to you, including but not limited to regulations on anti-money laundering, anti-corruption, and counter-terrorist financing.

TRANSACTION MANAGEMENT, CANCELLATION, AND REFUNDS

Transaction Cancellation: Transactions on Confidcard.com may be canceled if a request is made within a specific time window, which is determined by
Confidcard.com based on the transaction’s status and processing stage. You
understand and agree that Confidcard.com has the sole discretion to determine whether a transaction can be canceled.

Confidcard.com may also cancel any transaction if it’s deemed suspicious, falls outside our risk parameters, or if you fail to provide all necessary information (such as a purchase receipt) to verify the authenticity and legality of your transaction.

Transaction Modification: Confidcard.com may modify a transaction if it was
submitted with incorrect details. By using Confidcard.com, you agree that we ma modify your transaction in our best interest to ensure accuracy and service integrity. Our quality assurance policies are designed to ensure your satisfaction as a user.

Refunds: For transactions that are successfully canceled by Confidcard.com, are fund will be processed. All refunds are subject to Confidcard.com final discretion and may be subject to deductions for direct costs and any applicable handling fees incurred before cancellation. Refunds will only be issued if the service (e.g., giftcard exchange) has not yet been completed.

Anti-Money Laundering Policy

Money laundering has been a major instrument through which major atrocities
have been funded in this world, including wars, terrorism, government corruption, human trafficking, illegal gun trade, and drug trafficking, amongst many. Several overnments, including that of Nigeria, have come up with laws, rules, and regulations all in a bid to eliminate money laundering and save the world from its effects.

Some of these laws and regulations are the Money Laundering (Prohibition) Act,2011 (as amended), Terrorism (Prevention) Act, 2011 (as amended), and the Central Bank of Nigeria (Anti-Money Laundering and Combating the Financing of Terrorism in Banks, and other Financial Institutions in Nigeria) Regulations, 2013.

Confidcard.com, as a responsible company, frowns at and is committed to fighting,money laundering, and fully complying with anti-money laundering laws in Nigeria.

We are aware of the difficulties and risks that come with digital assets
transactions, making it a popular channel for money laundering. To keep our
company free of money launderers, we have come up with policies and structures that ensure that we comply with all government laws and regulations set up to fight money laundering. We have also taken steps to implement policies,independent of government input, which the company believes aids in preventing money laundering on its platform

Our policies and structures are regularly updated to keep our company compliant with changes in regulations and to keep us abreast and compliant with International best practices.

In complying with the extant money-laundering laws and regulations, and
international best practices, we:

a) Created a compliance unit that is headed by a compliance officer who
spearheads the company’s anti-money laundering policy implementation in line with government policies;

b) Registered with the Special Control Unit against Money Laundering of the
Economic and Financial Crimes Commission (EFCC) and cooperate with the
Commission whenever the need arises;

c) Are dedicated to the development of vetting systems to manage and mitigate risks of money laundering, discover suspicious transactions, and report such transactions to the relevant authorities;

d) Review and identify areas of potential money-laundering risks and report such risks to the relevant authorities;

e) Placed necessary transaction limits which are regularly reviewed by the
company based on government policy or industry standards;

f) Constantly cooperate with investigative efforts of security agencies and relevant government agencies by placing a lien on accounts being investigated for fraud money laundering, and any other criminal activity;

g) Do regular background checks on suspicious users based on transactions
processed within the platform.

DISCLOSURE OF INFORMATION
All private information shall be governed by the Privacy Policy on the Website. The Company does not sell, rent or lease its customer list to third parties. Unless the Company receives notice from the Client to the contrary, the Company shall from time to time provide to the Client (by post, telephone or email) such information in relation to the Services that the Company considers may be of interest to the Client.

AMENDMENTS

The Company may update or modify this Agreement from time to time. If the

Company modifies the Agreement during the Services, the modified version will take effect upon the next Service. Client may be required to check the update version from time to time after the modified version takes effect, in any event the continued use of the Services shall constitute acceptance of the modified version.

SEVERABILITY

If any provision of this Agreement is found by any Court of competent jurisdiction to be unenforceable or invalid, that provision will be limited to the minimum extent necessary so that this Agreement may otherwise remain in effect.

FORCE MAJEURE

Neither Party will be liable for any delay or failure to perform its obligations under the Agreement (except payment obligations) if the delay or failure is due to causes beyond its reasonable control, such as a strike, blockade, war, act of terrorism, riot, natural disaster, failure or reduction of power or telecommunications or data networks or services, or government act.

SUBPOENAS

Nothing in the Agreement prevents the Company from disclosing Client
information and data to the extent required by law, subpoenas, or court orders,but the Company will use commercially reasonable efforts to notify Client where permitted to do so.

ASSIGNMENT

The Agreement will bind and inure to the benefit of each Party’s permitted
successors and assigns. Neither Party may assign the Agreement without the
advance written consent of the other party, except that the Company may assign the Agreement without consent to an affiliate or in connection with a merger, reorganization, acquisition or other transfer of all or substantially all of its assets or voting securities.

ENTIRE AGREEMENT

The Agreement represents the parties’ complete and exclusive understanding
relating to the Agreement’s subject matter. It supersedes all prior or
contemporaneous oral communications, proposals and representations with
respect to the Company or any other subject matter covered by this Agreement.

INCORPORATION

The Agreement, shall unless otherwise suggested, incorporate all terms and
conditions contained and set out in the Privacy Policy and other written
documents deemed appropriate by the Company including, without limitations,the contents on the Website.

GOVERNING LAWS, JURISDICTION AND VENUE

This Agreement is governed by the laws of Nigeria, without regard to choice or conflict of law rules thereof.

GRIEVANCE POLICY

Confidcard.com believes in providing excellent service and strives to be
sincere and transparent in its approach to customer service. Your confidence
in us is of paramount importance to us and we would never place our
personal growth before your interest.

Customers can give their complaints or concern by using the in-app live
chat), or sending an email to support@confidcard.com.

INTRODUCTION

This website is owned and operated by Confidcard (“the Company”), located at confidcard.com.The Company provides services including, but not limited to, the buying and selling of gift cards.

Your privacy on the internet is extremely important to us. We are committed to protecting your personal information and ensuring that your privacy is respected and safeguarded. This Privacy Policy explains how we collect, use, store, share, and protect your personal data. By using our website or visiting our offices, you consent to the data practices described below.

CONSENT

By using the confidcard.com platform, you hereby consent to our Privacy Policy and agree to its terms.

INFORMATION WE COLLECT AND USE

We may collect personal information from you when you use our services, such as your name,contact details, identification information, and transaction history. This information is used strictly for its intended purpose—such as providing our services, processing transactions, and improving user experience.

We also collect certain information automatically for analytics and security purposes, including:

•     IP address and domain name

•     Browser and operating system type

•     Date and time of access

•     Pages visited and referring URLs

•     Your username (if applicable)

This information helps us to improve your experience and secure the platform.

We do not share your personal information with any third party, except where required by law or necessary to deliver our services securely and efficiently.

Your Privacy Rights

1. You have the right to know what personal data we collect and how it is used.

2.We take all reasonable steps to ensure your information is accurate and up to date. 

3.You may request access to, correction of, or deletion of your personal information.

Security and Account Confidentiality

1. If you create a username, password, or any security credentials on our platform, you are responsible for keeping them confidential and not disclosing them to any third party.

2. We reserve the right to disable any user account or security information if we believe you have failed to comply with any part of this Privacy Policy.
3. If you suspect that someone else has access to your login details or if you notice any unauthorized activity on your account, please contact us immediately via:

o  Email: support@confidcard.com

COOKIES

A ‘cookie’ is a small file that a website transfers to your computer to allow it to remember specific information about your session while you are connected. Your computer will only share the information in the cookie with the Website that provided it, and no other website can request it. There are two types of cookies: ‘Session’: Session cookies last only as long as your web browser is open. Once you close your browser, the cookie is deleted. Websites may use
session cookies for technical purposes such as to enable better navigation through the site, or to allow you to customize your preferences for interacting with the site. ‘Persistent’: Persistent cookies are saved on a user’s hard drive in order to determine which users are new to the site or are returning.

CHILDREN’S INFORMATION

The company does not knowingly collect any Personal Identifiable Information from children under the age of 13, and our service is not available for individuals under the age of 18. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such
information from our records.

OUT & UNSUBSCRIBE

The Company respects your privacy and gives you an opportunity to opt-out of receiving information in respect of the Services by contacting us at confidcard.com.

NDPR Data Protection Rights

We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:
i. The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service.
ii. The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you think is incomplete.
iii. The right to erasure – You have the right to request that we erase your personal data,under certain conditions.
iv. The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.
v. The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.
vi. The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions. If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

CHANGES

The terms contained in this Privacy Policy may change and subject to modification and amendments. All modifications and the time of the changes and modification will be subject to the sole direction of the Company and such changes will have an immediate effect. No notice will be given to you prior to such changes and/or modifications; you are therefore advised to
review our Privacy Policy from time to time.

Confidcard is committed to fighting money laundering and complying fully with anti-money laundering laws in Nigeria. We understand that we have responsibilities to help fight the global battle against money laundering and our commitment will supersede all other privacy
obligations contained in our policies. Accordingly, Confidcard will take all reasonable and appropriate steps to prevent persons engaged in money laundering, fraud, or other financial crimes from utilizing our products and services.

Our AML policies, procedures and internal controls are designed to ensure compliance with all applicable BSA regulations and FINRA rules and will be reviewed and updated on a regular basism to ensure appropriate policies, procedures and internal controls are in place to account for both
changes in regulations and changes in our business. Key components of our AML and CTF framework include the following

(i) COMPLIANCE OFFICER
Coordinating and monitoring day-to-day compliance with the relevant legislation, regulations,rules and industry guidance and applicable money laundering laws and regulations Monitoring transactions to detect unusual suspicious activities Prompt preparation and delivery of all relevant returns to the regulatory bodies in line with SEC and FIU Rules and Regulations Communicating AML/CFT issues to all stakeholders

(ii) INTERNAL CONTROL
Formulate and implement internal controls and other procedures that will deter criminals from using its facilities for money laundering and terrorist financing and to ensure that its obligations under subsisting laws and Regulations are met.

(iii) KNOW YOUR CUSTOMER
Establishing and maintaining a risk-based approach to Customer Due Diligence (CDD), including customer identification, verification and KYC procedures. To ensure we meet these standards, our customers are required to provide certain personal details when opening a Confidcard account and also generate tokens, OTP and PIN for any withdrawal request. The nature, and extent, of what is required is guided by the customer’s deposit and withdrawal limits, account to be used and in some cases, the customer’s country of residence. In certain circumstances, Confidcard may perform enhanced due diligence procedures for customers presenting a higher risk, such as those transacting large volumes etc.
Maintaining appropriate KYC records for the minimum prescribed periods;
Confidcard shall ensure timely and accurate rendition of all AML/CFT returns as specified in the SEC AML/CFT Rules and Regulations as well as other relevant Regulations/Act/Guidelines/Circulars that may be issued from time to time by various government agencies. We shall exercise due diligence in identifying and reporting a suspicious transaction. Suspicious transactions shall include:
Transactions which are structured to avoid reporting and record keeping requirements altered or false identification or inconsistent information or any transaction involving criminal activity in Confidcard’s view Entity that belongs to a person or organization considered as terrorist. Confidcard shall also provide training on the framework and raising awareness among all relevant employees and every Settlement proceeds are only wired to verified bank accounts registered by us.

● General Questions

Q1: What types of gift cards do you accept?

We currently accept major brands like Amazon, iTunes, Google Play, Steam, and more. Please check our app or website for the full list.

Q2: How long does it take to verify my card?

Card verification usually takes 5–30 minutes. It may take longer; we strive to process payments as quickly as possible to ensure a seamless experience for our users. Rest assured that we

prioritize prompt payment delivery to ensure your funds reach you in a timely manner.

Q3: Can I submit a photo of the gift card?

Yes! Please upload a clear photo showing the card code and any relevant details.

Troubleshooting Questions

Q4: My card failed verification. What does that mean?

A card may fail if:

•     The code is already used

•     It’s invalid

•     The image is unclear/over scratched

•     Many more … .

If you’re sure the card is valid, please contact support with proof of purchase or receipt.

Q5: I submitted the wrong card. What do I do?

Contact support immediately before the card is processed. If the card hasn’t been checked yet, we may be able to cancel it.

Q6: I haven’t received payment yet — why?

Delays can occur if:

•     The card is under manual review

•     It’s flagged for suspected fraud

•     Your bank or wallet details are incorrect

Please give it up to 24 hours and reach out if there’s still no update.

1.1 You must be at least 18 years old or have reached the legal age of majority in your jurisdiction (whichever is higher) to use the services of this platform. If your region allows minors to use it with the consent of their guardians, you (or your guardian) must abide by the local laws and regulations on the protection of minors, and this platform does not provide targeted advertising, inducement to pay or other services to minors.

1.2 The following users are prohibited from using this platform:

Users who have been blacklisted or have their services restricted by this platform;

Users whose services have been terminated by the platform due to fraud, violations, or breaches of this agreement;

Individuals or entities subject to international sanctions, judicial injunctions, or legal restrictions;

Minors who have not obtained consent from their guardians (if applicable).

2. Account registration and management

2.1 Registration Requirements: You must provide true, accurate, and complete personal information (such as name, email, mobile phone number, etc.), and update it in a timely manner to maintain its validity. If you provide false information, the platform has the right to suspend or terminate your account.

2.2 Account Security: You should keep your account password, verification information, etc. properly and shall not transfer, lend, or share your account. Any losses caused by account leakage, theft, or your own improper operation shall be borne by you. If you discover any abnormalities in your account, you should immediately contact the platform customer service.

2.3 Account cancellation: You can find the function to apply for account cancellation in the ‘Data Security’ module of the ConfidCard APP details through Google Play. The cancellation process will be completed within [7] working days. After cancellation:

Your account data (such as transaction records and personal information) will be deleted or anonymized in accordance with this agreement and the privacy policy;

The platform may retain necessary data to fulfill legal obligations (such as taxation and compliance audits), and the retention period shall be subject to relevant legal requirements;

For the unfinished transactions that have been generated, you still need to fulfill your relevant obligations.

3. Transaction rules for gift cards

3.1 Transaction process:

The seller guarantees that the gift cards sold are legal and valid, with compliant sources, and that the provided information such as card number, face value, expiration date, and usage restrictions is true and accurate. If the gift cards are found to be fraudulent, invalid, or have other issues, the seller shall bear the responsibility for refunds, compensation, and other related obligations.

Buyers are required to complete payment through the designated method on the platform within [15] minutes after the order is generated. Orders that remain unpaid after the timeout will be automatically cancelled.

After the transaction is completed, the platform will send a transaction confirmation notification to both the buyer and the seller. Relevant information about the gift card (such as the card number) will only be displayed to both parties involved in the transaction (in accordance with privacy protection requirements).

3.2 Transaction restrictions:

The platform reserves the right to conduct risk reviews on transactions involving large amounts, frequent transactions, and transactions initiated by abnormal IPs/devices. If necessary, transactions may be suspended or restricted to prevent risks such as fraud and money laundering.

The following gift cards are prohibited for trading:

Those with unclear sources, suspected of theft, fraud, or obtained through unauthorized transactions;

Violating the terms of the card issuer (such as non-resale and restricted use to specific regions);

Expired, used, or invalid;

Used for illegal purposes or in violation of this agreement, laws, and regulations.

3.3 Dispute resolution:

When disputes arise between trading parties, they should first attempt to negotiate on their own; if negotiation fails, they may apply to the platform for mediation.

The platform will make an impartial mediation suggestion based on transaction records and evidence provided by both parties (such as proof of gift card validity and communication records). If one party does not accept the mediation result, they can seek legal resolution, and the platform will not bear the responsibility of the final judgment.

If it is confirmed that the seller has provided a fraudulent gift card, the platform will support the buyer in obtaining a refund and take measures such as account restrictions and fines against the seller; if it is confirmed that the buyer has made a malicious complaint, the platform will reject the application and, if necessary, restrict the buyer’s account.

4. Fees and Payment

4.1 The platform may charge transaction fees, withdrawal fees, etc. The specific standards are subject to the information displayed on the page.

4.2 You need to use the payment methods supported by the platform (such as credit card, PayPal, etc.) and bear any potential third-party fees (such as exchange rate differences, bank charges)..

Refund rules: Follow the rules of this platform, and the specific refund process shall be subject to the instructions within the App; for refund requests due to the user’s own reasons (such as wrong purchase, regretting the transaction), the platform has the right to decide whether to support it based on the actual situation.

5. User obligations and prohibited behaviors

5.1 User obligations:

Comply with the laws and regulations of your country/region and the region where the platform operates, including but not limited to anti-money laundering laws, intellectual property laws, data protection laws, etc.

The platform shall only be used for legitimate purposes, and shall not be utilized for illegal activities such as money laundering, fraud, gambling, terrorist financing, etc.

Respect the legitimate rights and interests of other users, and refrain from disclosing personal information, transaction information, and other private information of others.

5.2 Prohibited behaviors:

Providing false information (such as false personal information, false gift card information), misleading others, or maliciously disrupting transaction order;

Using technical means such as web crawlers, automated scripts, and bots to scrape platform data, inflate volume, place malicious orders, or interfere with the normal operation of the platform;

Violating the intellectual property rights (such as embezzling the trademark of the card issuer, images/text content of others), privacy rights, property rights, and other legitimate rights and interests of others;

Bypass platform rules or technical restrictions, engage in private transactions, evade fees, or commit fraudulent acts;

Uploading and spreading illegal, vulgar, violent, hateful, and other inappropriate information;

Other behaviors that violate this agreement or Google Play developer policies.

6. Platform Rights and Disclaimer

6.1 Platform Rights:

We reserve the right to review user accounts, transaction behaviors, and posted content. For users who violate this agreement or laws and regulations, we may take measures such as issuing warnings, restricting functions, suspending accounts, terminating services, etc., without prior notice.

We reserve the right to adjust the service content, functional modules, or operational strategies based on business development. Prior to any adjustments, we will notify users through in-app announcements or other means.

We reserve the right to modify the terms of this agreement. Once modified, the “Last Updated” date will be updated, and users will be notified [30] days in advance. If users do not agree with the modifications, they may cancel their account. Continued use of the service will be deemed as acceptance of the modified agreement.

6.2 Disclaimer:

The platform has established a transaction risk control mechanism, but it does not provide absolute guarantees regarding the ultimate usability and validity of gift cards (such as unavailability due to system failures of the card issuer or theft and unauthorized use of gift cards by third parties). Users should verify the information of gift cards on their own and bear the transaction risks.

The platform shall not be liable for service interruptions, transaction failures, or losses caused by force majeure events (such as natural disasters, wars, policy changes), third-party service failures (such as network operator failures), or user’s own equipment/network issues.

The platform only provides transaction intermediary services and does not guarantee the performance ability and credit status of buyers and sellers. Users should assess the transaction risks on their own, and the platform does not bear any direct or indirect losses caused by the breach of contract by buyers and sellers.

7. Intellectual property rights

7.1 All content on the platform (including but not limited to trademarks, logos, interface designs, source codes, text descriptions, images, and algorithms) belongs to the platform or its authorized parties and is protected by relevant intellectual property laws and regulations. Without written permission from the platform, users are not allowed to copy, modify, disseminate, commercially use, or reverse engineer the aforementioned content.

7.2 User-uploaded content (such as comments, images, transaction evaluations, etc.):

The user guarantees that they possess the legitimate rights to the content and have not infringed upon the intellectual property rights, privacy rights, or any other rights of third parties;

Grant the platform a non-exclusive, worldwide, free usage right (including but not limited to display, storage, and dissemination) for platform operation and service optimization, with no additional compensation required from the platform;

If a third party complains that the content uploaded by a user infringes upon their rights, the platform has the right to remove the content and restrict the user’s account functions according to the situation.

8. Limitation of liability

8.1 The platform shall not be liable for indirect losses (such as loss of profits, data loss, and loss of business opportunities).

8.2 Private transactions between users (transactions not completed through the platform) are unrelated to the platform, and the platform bears no responsibility. If disputes or losses arise, they shall be resolved by the users themselves.

8.3 If the platform incurs losses (such as fines and litigation costs) due to the user’s violation of this agreement or laws and regulations, the user shall fully compensate the platform for the losses.

9. Termination of the agreement

9.1 You may stop using the platform services at any time, or cancel your account through the method stipulated in Article 2.3 of this agreement. Upon account cancellation, this agreement shall terminate (but the provisions involving legal liability, dispute resolution, and intellectual property rights shall remain valid).

9.2 If you violate this Agreement, laws and regulations, or Google Play policies, the platform reserves the right to immediately terminate this Agreement, suspend or cancel your account, and will not refund any fees already collected. Additionally, the platform retains the right to pursue legal action against you.

9.3 The platform may terminate services due to business adjustments, operational difficulties, or other reasons. Prior to termination, users will be notified [30] days in advance, and assistance will be provided to users in handling unfinished transactions, withdrawals, and other matters.

10. Dispute Resolution and Applicable Law

10.1 This agreement is governed by the laws of [the country/region where the platform operator is located] and is not subject to conflict of laws rules.

10.2 Any dispute arising from this agreement shall be resolved through negotiation between the parties first; if negotiation fails, it shall be submitted to [the arbitration institution or court in the jurisdiction] for resolution through arbitration or litigation.

10.3 If any provision of this agreement is deemed invalid or unenforceable, it shall not affect the validity of the other provisions.

11. Contact us

If you have any questions, complaints, or suggestions regarding this agreement, or need to exercise your privacy-related rights, please contact us through the following methods:

Email: [customerservice@horizonpay.ng]

Phone: [0218890219]

WhatsApp：[09130130817]

These terms and conditions shall come into effect on May 5, 2025.

Welcome to use [ConfidCard]. We are committed to protecting users’ privacy and personal information security. This Privacy Policy (hereinafter referred to as the “Policy”) aims to explain to users our policies and practices regarding the collection, use, storage, sharing and protection of users’ personal information. Please read the following terms carefully to understand how we handle your personal information.

1. Information collection

We may collect the following types of personal information to provide you with better services:

1.1 The information you provide directly

Registration information: When you register an account on the platform, you may need to provide information such as your name, email address, phone number, username, and password.

Transaction information: When buying or selling gift cards, we may collect transaction records, payment information (such as bank card numbers), the face value of the gift card, transaction amounts, etc.

Identity verification information: To comply with laws and regulations or prevent fraud, we may ask you to provide identification documents (such as passports, driver’s licenses, etc.).

Contact information: When you contact customer service, we may record your communication content, email address, phone number and other information.

1.2 Automatically collected information

Device information: including IP address, device model, operating system, browser type, unique device identifier, etc.

Data used: such as access time, page browsing records, click behaviors, transaction preferences, etc.

Location information: Some services may need to obtain your approximate geographical location (such as country or city) to provide localized services or comply with local laws.

1.3 Information from third-party sources

We may obtain your information from partners (such as payment service providers, advertising platforms, etc.) to ensure transaction security or optimize services.

2. Information Usage

2.1 Handle transactions, manage accounts, provide customer support, etc.

2.2 Analyze user behavior to improve platform functions and recommend personalized content.

2.3 Comply with the requirements of laws and regulations and conduct compliance reviews.

2.4 Push relevant service information, promotional activities, etc. to you (with your consent).

2.5 We will not use your personal information for any other purposes except those mentioned above, unless we have obtained your explicit consent in advance or as otherwise required by laws and regulations.

3. Information Sharing and Disclosure

3.1 We will not sell your personal information to any third party.

3.2 We may share your personal information with partners and service providers so that they can provide us with technical support, data analysis and other services. However, in this case, we will sign a confidentiality agreement with them, requiring them to handle your information in accordance with our instructions and take appropriate security measures.

3.3 We may disclose your personal information in accordance with legal and regulatory requirements, judicial procedures or mandatory demands from government authorities.

4. Data Storage and Security

4.1 We will take reasonable technical and management measures to ensure the security of your personal information during collection, transmission, storage and use, and prevent unauthorized access, disclosure, tampering or damage to the information.

4.2 Your personal information will be stored on servers located in Nigeria or our partners, and we will comply with all applicable data protection laws and standards.

5. User Rights

5.1 You have the right to know the specific circumstances under which we collect, use, store and share your personal information.

5.2 You have the right to request us to correct or delete your personal information (within the scope permitted by laws and regulations).

5.3 You have the right to refuse our collection, use or sharing of your personal information (but this may affect your use of certain functions or services of this APP).

5.4 If you have any questions or complaints about our privacy policy, please contact us at any time. We will reply and handle them as soon as possible.

6. Contact us

If you have any questions about this Privacy Policy or wish to exercise your privacy rights, please contact us through the following methods: Email: [Contact Email] Phone: [Contact Phone] Mailing Address: [Company Mailing Address]

7. Clause Update

7.1 We reserve the right to modify this Privacy Policy at any time. The revised terms will be published within the APP or notified to you through other means.

7.2 Please review this Privacy Policy regularly to stay informed about the latest ways we handle your personal information.

Welcome to [Mobile] (hereinafter referred to as “the App” or “we”). This User Agreement (“Agreement”) sets out the terms and conditions under which you (the “User” or “You”) will use this App by [Horizonpay Nigeria Limited] (“we” or “us” or “the Company”). The Company’s registered address is [Flat F, 74, Oduduwa Crescent, Ikeja GRA Lagos] and you can contact us via customer service phone number [+234 02018890219] or email [customerservice@horizonpay.ng].

Rights and obligations to be complied with when using the services provided by this application. Please read and understand the following terms and conditions carefully, and your download, installation, registration, login, and use of the Application and its services shall be deemed that you have fully understood and agreed to accept all the contents of this Agreement.

1. Service Description

1.1 This app provides you with financial services such as digital currency investment and trading, virtual asset management, mobile payment, money transfer and remittance, bill inquiries, balance recharge and withdrawal, etc. (specific functions are subject to the actual in-app display). The scope of services may be adjusted in accordance with legal and regulatory requirements and business development.

1.2 For users who apply for the transfer and payment service through the Mobile application, you will be randomly assigned a virtual account number that has been linked to your Mobile account. 

1. Account Registration and Management

2.1 You must be at least 18 years of age to access or use the Services or create a Mobile account, as the Services are not intended for children under the age of 18. The Services do not apply to any user who has previously been removed from the Services by Mobile (or whose user account has been terminated). You represent and warrant that you have the legal right and ability to access and use the Services in accordance with these Terms;

2.2 Provide all information requested by us, such as your name, gender, date of birth, email address, passport photo, address, cell phone number, bank verification number (“BVN”), online credentials for registering with Mobile, and such other information as we may request from time to time (collectively, the “User Information“); by providing your BVN, you authorize Mobile to collect and store your data from the BVN database as our know-your-customer (”KYC”) information to meet regulatory requirements. All KYC data collected will be treated as confidential. You also give us permission to use your BVN to monitor, prevent and detect fraudulent activity and to share it with CBN’s authorized stakeholders to prevent financial fraud;

2.3 Ensure that all User Information provided to us is true, accurate, current and complete and agree not to misrepresent your identity or your User Information. You agree to notify us of changes to your User Information in a timely manner. If we approve your registration, you will be authorized to use the Services, subject to these Terms, and the Services may not be used for fraudulent activities;

2.4 Users are responsible for maintaining the confidentiality of their accounts and passwords, are responsible for all activities that occur under their accounts, and Mobile will not be liable for the operation of any third party unless mutually agreed upon in writing. Any unauthorized use or other breach of security shall be notified to the Application immediately;

2.3 In accordance with Nigerian anti-money laundering and counter-terrorism financing related regulations, users are required to complete the real name authentication process by submitting the necessary identification documents to verify their identity. Failure or refusal of real name authentication may result in some or all of the service features being restricted;

2. Use of the Service

3.1 The User undertakes to comply with Nigerian and international laws and regulations when using the services of the Application and shall not use the Services for money laundering, terrorist financing, tax evasion, fraud, gambling, drug trafficking, infringement of intellectual property rights or other illegal activities.

3.2 The User shall comply with the rules set by the Application in terms of transaction limits, frequency and categories. We have the right to take measures such as restricting, suspending or terminating the service for abnormal transaction behavior.

3.3 The use of the services of this application may involve fees such as crediting fees, withdrawal fees, transfer fees, etc. The specific charges are subject to the public announcement within this application.

3. Use of Information

4.1 Provision of Payment Services

Use your information to process payment transactions, including initiating payment requests, verifying payment passwords, completing the payment process, processing refunds and inquiring about the status of transactions, etc., to ensure the accuracy and timeliness of payments. Recommend convenient payment methods or related financial products and services (e.g., payment promotions, wealth management services, etc.) for you based on your payment history and preferences.

4.2 Security and Risk Control

Monitor and prevent payment fraud, money laundering, brush theft and other illegal activities by analyzing your transaction patterns, device information and identity verification data to safeguard your account and funds.

When abnormal transactions or security risks are found, we will notify you in time and take corresponding measures, such as suspending the payment function and requesting re-verification of identity.

4.3 Optimization of User Experience

Based on your usage habits and feedback, we will improve the interface design, functional layout and operation flow of the APP to enhance the ease of use and stability of the APP.

Conduct data analysis and market research to understand user needs and payment market trends in order to develop new functions and services.

4. Privacy and Data Protection

5.1 Mobile respects and is committed to protecting your privacy. You understand that by accessing or using the Services and/or submitting your User Information through the Services, you consent to the collection, use, storage and disclosure of your User Information in accordance with our Privacy and Cookie Policy. Please review the full Privacy and Cookie Policy on our website.

5.2 Users agree to receive service-related notifications, marketing messages and other communications from the Application.

5.3 We will revise and improve the Privacy Policy in a timely manner in accordance with changes in laws and regulations, business development, and technological updates. When there are significant changes to the Privacy Policy, we will post a notice in a prominent position within the APP to inform you of the changes and the effective date. Your continued use of the APP after the update means that you accept the updated Privacy Policy.

5. Disclaimer and Limitation of Liability

6.1 Although we will endeavor to maintain the continuity and stability of the service, the app is not responsible for any interruption or delay in service due to network failure, system maintenance, force majeure and other factors.

6.2 Digital currency investment is subject to multiple risks such as price fluctuations, technical risks, and policy risks. Users should fully understand and bear all risks and losses arising from investment decisions.

6.3 We care about the integrity and security of your user information. We have implemented commercially reasonable technical and organizational measures designed to protect your User Information from accidental loss and unauthorized access, use, alteration or disclosure. However, you acknowledge and agree that, despite our reasonable security measures, we cannot guarantee that electronic communications over the Internet will be 100% secure and that unauthorized third parties will never be able to defeat these measures or use your User Information for improper purposes. You acknowledge that you are under no obligation to use the Services and that you provide any personal or sensitive information in order to use the Services at your own risk!

6. Changes and Termination of the Agreement

7.1 We reserve the right to modify the Agreement at any time, and the revised Agreement will be announced in the application or notified to the User by email or other means. If the user continues to use the service, he/she is deemed to have accepted the revised agreement.

7.2 Users have the right to cancel their accounts at any time, and after cancellation, we will handle user data in accordance with laws and regulations. Before canceling your account, please make sure that you have properly disposed of the funds, assets and debt relationships in your account.

7. Service Termination

8.1 The Application has the right to suspend or terminate the provision of services to the user under the following circumstances: (1) the user violates the Agreement; (2) the requirements of laws and regulations or the instructions of regulatory agencies; (3) to protect the security of the user’s account or the normal operation of the Application.

8. Other this Agreement

9.1 These Terms are made under and will be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to any principles of the laws of other jurisdictions that may apply.

9.2 If you have any dispute about this Privacy Policy or our handling of your personal information, you should first attempt to resolve it with us through amicable negotiation. If the negotiation fails, the dispute may be resolved through legal means in accordance with relevant laws and regulations. The dispute resolution process does not affect the parties to continue to fulfill the other non-controversial terms of this Privacy Policy.

9. Contact Us

10.1 If you have any questions, suggestions or complaints about this Privacy Policy, please contact us at

Customer service telephone number: [+234 02018890219]

Email: [customerservice@horizonpay.ng]

Welcome to Mobile.This User Agreement (“Agreement”) sets forth the rights and obligations of you (“User”or“You”) when using the services provided by the Application.Please read and understand the following terms and conditions carefully. By downloading, installing, registering, logging in, and using the Application and its services, you are deemed to have fully understood and agreed to accept all the contents of this Agreement.

1. Service Description
1.1 This application provides you with financial services such as digital currency investment and trading, virtual asset management, mobile payment, transfer and remittance, bill inquiries, balance recharge and withdrawal, and other financial services (specific functions are subject to the actual in-app display). The scope of services may be adjusted in accordance with legal and regulatory requirements and business development;/
1.2 For users who apply for payment by transfer through the Mobile app, you will be randomly assigned a dummy account number that is linked to your Mobile account.

2. Account Registration and Management
2.1be at least 18 years of age to be able to access or use the Services or create a Mobile Account, as the Services are not intended for children under 18. The Services are not available to any User previously removed from the Services (or whose User Account has been terminated) by Mobile. You represent and warrant that you possess the legal right and ability to enter into these Terms and to use the Services in accordance with these Terms;
2.2provide all information requested by us, such as your name, gender, date of birth, email address, passport photograph, address, mobile phone number, Bank Verification Number (“BVN”), online credentials for registering with Mobile and such other information as we request from time to time (collectively, “User Information”); By giving Mobile your BVN, you authorize Mobile to collect and save your data from the BVN database as part of our Know Your Customer (“KYC”) information to fulfil regulatory requirements. All KYC data collected will be treated as confidential. You also permit us to use your BVN to monitor, prevent and detect fraudulent activities and share the same with CBN authorised stakeholders, for the purpose of deterring financial fraud;
2.3 ensure that all User Information you provide to us from time to time is truthful, accurate, current and complete, and you agree not to misrepresent your identity or your User Information. You agree to promptly notify us of changes to your User information. If we approve of your registration, you will be authorized to use the Services, subject to these Terms and provided that the Services will not be used for fraud.
2.4 Users are responsible for maintaining the confidentiality of their accounts and passwords, are responsible for all activities that occur under their accounts, and Mobile will not be responsible for any third-party operations unless mutually agreed upon in writing. Any unauthorized use or other breach of security should be notified to the Application immediately;
2.5 In accordance with Nigeria’s anti-money laundering and counter-terrorist financing related regulations, users are required to complete the real-name authentication process by submitting the necessary identification documents to verify their identity. Failure or refusal of real name authentication may result in some or all of the service features being restricted;

3. Service Usage
3.1 The User undertakes to comply with Nigerian and international laws and regulations when using the services of the Application and not to use the Services for money laundering, terrorist financing, tax evasion, fraud, gambling, drug trafficking, infringement of intellectual property rights or other illegal activities.
3.2 Users shall comply with the rules on transaction limits, frequency, categories, etc. set by this application. For abnormal trading behavior, we have the right to take measures such as limiting, suspending or terminating services.
3.3 The use of the services of this application may involve fees such as crediting fees, withdrawal fees, transfer fees, etc. The specific charges are subject to the public announcement within this application.

4. Privacy and Data Protection
4.1 Mobile respects and is committed to protecting your privacy. You understand that by accessing or using the Services and/or submitting your User Information through the Services, you consent to the collection, use, storage and disclosure of your user information as set out in our Privacy and Cookie Policy. Please see the full Privacy and Cookie Policy on our website.
4.2 The User agrees to receive service-related notifications, marketing messages and other communications from the Application.
4.3A clear link to the Privacy Policy is provided on the product details page of the app and in a prominent place within the app (e.g. in the “About” or “Legal Information” section of the settings menu). This link leads to a URL that can be accessed normally in standard browsers without the need for additional plug-ins or special processing, and the content of this URL cannot be edited. Even though the current version of the application does not capture any personal data and sensitive user data, we have followed the relevant regulations in developing and making available a privacy policy to ensure that our users are informed and that the privacy protection is transparent. The Privacy Policy details our principles and measures for data processing, including but not limited to the specific circumstances of data collection, the security of data storage, the scope of the purpose of data use, the conditions for data sharing and the way in which users can exercise their rights to their own data.
4.4 Notification of Updates to Privacy Policy
We reserve the right to update the Privacy Policy in response to changes in laws and regulations, business development needs, or other reasonable factors. Upon updating the Privacy Policy, we will post a notice in the notification center within the Application or on the startup screen informing Users that the Policy has been updated and directing Users to view the new Policy content. We may also send users a notification of the update by email (if the user provided a valid email address during the registration process) or other means. By continuing to use the Application after receiving the notification, the User agrees to accept the updated Privacy Policy. If the User has any questions or objections to the Privacy Policy update, the User may communicate with us via the contact information set forth in this Agreement.

5. Disclaimers and Limitations of Liability
5.1 Although we will endeavor to maintain the continuity and stability of the service, the app is not responsible for any interruption or delay in service due to network failure, system maintenance, force majeure, or other factors.
5.2 Digital currency investment involves multiple risks such as price fluctuations, technical risks and policy risks. Users should fully understand and bear all risks and losses arising from their investment decisions.
5.3 We care about the integrity and security of your User Information. We have implemented commercially reasonable technical and organizational measures designed to secure your User Information from accidental loss and from unauthorized access, use, alteration or disclosure. However, you acknowledge and agree that despite our reasonable security measures, we cannot guarantee that electronic communications over the Internet will be 100% secure and that unauthorized third parties will never be able to defeat those measures or use your User Information for improper purposes. You acknowledge that you are under no obligation to use the Services, and that you provide any personal or sensitive information in order to use the Services at your own risk.

6. Modification and Termination of the Agreement
6.1 We reserve the right to modify this agreement at any time, and the revised agreement will be announced in the application or notified to the user by email or other means. If users continue to use the service, they are deemed to have accepted the revised agreement.
6.2 Users have the right to cancel their accounts at any time, after the cancellation of the user data will be processed in accordance with the requirements of laws and regulations. Before canceling your account, please make sure that you have properly dealt with the funds, assets and debt relationships in your account.

7. Termination of Services
The Application has the right to suspend or terminate the provision of services to the User under the following circumstances: (1) the User violates the terms of this Agreement; (2) the requirements of laws and regulations or the instructions of the regulatory body; (3) for the purpose of safeguarding the security of the User’s account or the normal operation of the Application.

8. Other this Agreement
8.1 These provisions are made under the laws of the Federal Republic of Nigeria and will be governed by and construed in accordance with that law, without regard to any principles of application of the laws of other jurisdictions.
8.2 Constitutes the entire agreement between the user and the app regarding the use of the service, superseding any prior oral or written agreement between the parties. Matters not covered herein shall be interpreted and implemented in accordance with relevant Nigerian laws and regulations and industry practices.

9. Contacting us
If you have any questions about the Privacy Policy or need to ask a question about it, you can contact us by the following methods
Email: [customerservice@horizonpay.ng] and we will respond to your email as soon as possible.
Customer Service Phone: [+234 02018890219], you can call during working hours, our customer service staff will answer your questions about privacy related issues.