Terms and Conditions

Last Updated: 20th December, 2024

Welcome to Otapay! These Terms and Conditions govern your access to and use of our services, mobile applications, website, and any related content or features (collectively referred to as “Services”). By using Otapay, you agree to abide by these Terms and Conditions. If you do not agree, please do not use our Services.

1. Introduction

Otapay is a bill payment platform that allows users to pay bills, recharge airtime, subscribe to data plans, and perform other digital payment transactions. Otapay is a financial technology company, not a bank, and its services are provided in collaboration with licensed banking partners.

2. Acceptance of Terms

By using our Services, you confirm that you:

  • Are at least 18 years old or the legal age of majority in your jurisdiction.
  • Have read, understood, and agreed to these Terms.
  • Agree to comply with all applicable laws and regulations while using our Services.

3. Account Creation and Security

  • You must create an account to use Otapay’s Services. You agree to provide accurate and up-to-date information during the registration process.
  • You are responsible for maintaining the confidentiality of your login details and all activities that occur under your account.
  • Notify us immediately of any unauthorized use of your account.

4. Services Offered

Otapay provides the following Services:

  • Bill payments (electricity, cable TV, etc.).
  • Airtime recharges and data subscriptions.
  • Other financial services as introduced.

We reserve the right to modify or discontinue any of our Services at any time without prior notice.

5. Fees and Charges

  • Some transactions may include service fees. Fees will be disclosed before completing a transaction.
  • You agree to pay all applicable fees associated with your use of the Services.

6. Community Impact Initiative

Otapay donate 15% of its net profits into education, healthcare, and infrastructure projects in neglected communities. This initiative is part of our commitment to driving social impact.

7. User Responsibilities

By using Otapay, you agree to:

  • Use the Services only for lawful purposes.
  • Not engage in any fraudulent, illegal, or abusive activities on the platform.
  • Ensure you have sufficient funds or authorization for payments.

8. Prohibited Activities

You may not:

  • Use the platform to conduct illegal activities.
  • Attempt to disrupt, damage, or gain unauthorized access to Otapay’s systems.
  • Post or transmit harmful content, including viruses or malware.

9. Payment and Refund Policy

  • All payments made on Otapay are final and non-refundable unless otherwise stated.
  • In case of failed transactions, we will work to resolve the issue promptly. Refunds, if applicable, will be processed within a reasonable timeframe.

10. Intellectual Property

  • All content, trademarks, logos, and designs related to Otapay are the property of Otapay or its licensors.
  • You may not use, reproduce, or distribute any content from Otapay without prior written consent.

11. Privacy Policy

Otapay is committed to protecting your privacy. Please review our Privacy Policy for details on how we collect, use, and safeguard your information.

12. Third-Party Services

Otapay may integrate with third-party services or platforms. We are not responsible for the content, policies, or actions of these third parties.

13. Termination of Service

We reserve the right to suspend or terminate your account if you violate these Terms, engage in fraudulent activities, or for any other reason deemed necessary to protect our platform or users.

14. Limitation of Liability

  • Otapay is not liable for any indirect, incidental, or consequential damages arising from the use of our Services.
  • We do not guarantee uninterrupted or error-free Services, and we are not liable for technical issues outside of our control.

15. Indemnification

You agree to indemnify and hold Otapay harmless from any claims, damages, or losses arising out of your use of our Services or violation of these Terms.

16. Changes to Terms

We reserve the right to update these Terms at any time. Changes will be effective upon posting on our website. Continued use of the Services after changes constitutes your acceptance of the revised Terms.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in Ebonyi State, Nigeria.

18. Contact Us

If you have any questions or concerns about these Terms, please contact us by visiting our contact us page.