Terms of Service
Last updated: [Date]
1. About these terms
These Terms of Service ("Terms") are an agreement between you and Zaro Technologies Limited ("ZaroPay", "we", "us"), a company registered in Nigeria. By creating an account or using the ZaroPay app, you agree to these Terms. If you do not agree, do not use ZaroPay.
2. Who can use ZaroPay
You must be at least 18 years old, or the age of majority where you live, and able to enter a binding contract. You must give a real phone number that you own and keep your account details accurate.
3. Your account
You sign in with your phone number and a one-time code. You are responsible for everything that happens on your account. Keep your phone, codes and app lock safe, and tell us right away if you think someone else has access to your account.
4. Messaging and calls
ZaroPay lets you send messages, photos, voice notes and files, and make voice, video and group calls with other ZaroPay users. ZaroPay calls are internet calls. They are not a replacement for your mobile network and cannot be used to call emergency services.
5. Payments
Payment, wallet and money-transfer features, when available, are provided together with licensed financial institutions in Nigeria and may have extra terms, limits and identity (KYC) checks. We will show you those terms before you use these features.
6. Acceptable use
You must not use ZaroPay to: break any law; commit fraud or scams; harass, threaten or abuse anyone; share content that is sexual involving minors, hateful, violent or that infringes others' rights; send spam or bulk unsolicited messages; impersonate anyone; or try to hack, overload or reverse-engineer the app. You can block and report users inside the app.
7. Your content
You own the messages and files you send. You give us the limited permission we need to store and deliver them to the people you choose. You are responsible for what you send.
8. Suspension and closing your account
We may suspend or close accounts that break these Terms or the law, or to protect other users. You can deactivate your account (Me → Deactivate account) or delete it permanently (Me → Delete account) at any time.
9. Availability and changes
We work to keep ZaroPay available and secure, but we cannot promise it will always work without interruption or errors. We may update the app and these Terms. If we make important changes, we will tell you in the app before they apply.
10. Liability
To the extent the law allows, ZaroPay is provided "as is", and we are not liable for indirect or unforeseeable losses, or for content sent by other users. Nothing in these Terms limits rights you have under Nigerian consumer protection law.
11. Governing law
These Terms are governed by the laws of the Federal Republic of Nigeria. Disputes will be handled by the courts of Nigeria, unless the law requires otherwise.
12. Contact
Zaro Technologies Limited, [Registered address in Nigeria]. Email: info@zaropay.ng