Customer Agreement · Governed by the laws of the Federal Republic of Nigeria
By accessing or using PPay, you agree to be bound by these Terms. If you do not agree, you must not use the platform. These Terms form the legal basis of your relationship with PPay.
These Terms and Conditions ("Terms") govern your use of PPay, a digital platform operated under Prosper Group.
By accessing or using PPay, you agree to be bound by these Terms. If you do not agree, you must not use the platform.
PPay is a technology-driven digital platform designed to simplify transactions through seamless, convenient, and secure digital interactions. We provide users with tools to:
PPay operates under Prosper Group and is managed through its registered legal entity.
The objective of our relationship is to:
By using PPay, you authorize us to process your instructions, facilitate transactions on your behalf, and operate your account within the scope of our services.
These Terms apply when:
We may update these Terms at any time. Continued use of PPay means you accept any updates.
Your relationship with PPay includes account creation and management, transaction facilitation, and platform access via supported channels (e.g. WhatsApp, apps).
To use PPay, you must:
We may suspend or terminate accounts that violate these conditions.
To comply with legal and security requirements, you must provide:
This is required to prevent fraud, money laundering, and misuse of the platform. You agree that all information provided is accurate and that you will update it when necessary.
All communication will be in English. We may communicate via in-app messages, email, SMS, or messaging platforms. You are responsible for ensuring your contact details are correct and up to date.
You can reach us through in-app support, email, or official communication channels. We aim to respond promptly, resolve issues efficiently, and maintain full transparency in all interactions.
By using PPay, you consent to receiving transaction alerts, security notifications, and service updates via app, email, or SMS. Notifications are deemed received once delivered to your registered contact.
Your PPay account allows you to send and receive funds, perform transfers, and access all available transaction tools. Where applicable, cards (physical or virtual) may be issued and transaction limits may apply depending on your account level.
You are responsible for entering correct transaction details and maintaining the security of your account. We are not liable for errors caused by incorrect input.
If you notice unauthorized transactions, suspicious activity, or errors, you must notify us immediately and secure your account. You are responsible for safeguarding your passwords, PINs, and access credentials.
⚠️ We are not liable for losses resulting from your own negligence or the sharing of sensitive account details with third parties.
We collect and process your data to provide services, ensure security, and comply with regulations. Your data will be protected, not shared unlawfully, and used only for legitimate purposes. By using PPay, you consent to data processing in accordance with applicable laws. See our Privacy Policy for full details.
We may send you product updates, promotional content, and service notifications. You may opt out at any time by contacting us or adjusting your notification preferences in the app.
You must not use PPay for fraud, money laundering, illegal transactions, or unauthorized access. If such activity is detected, we may restrict your account, report the matter to relevant authorities, and permanently terminate your access.
By using PPay, you confirm that you have read and understood these Terms, you agree to comply with all provisions, and you accept full responsibility for your use of the platform.
These Terms are governed by the laws of the Federal Republic of Nigeria.