Terms of Service

EFFECTIVE AS OF AUGUST 2025

Welcome to Davypay! By using our app and services, you agree to the following terms and conditions. Please read them carefully.

Acceptance of Terms

By accessing or using Davypay, you agree to these Terms of Service and our Privacy Policy. If you do not agree, you must stop using our services immediately.

Eligibility

You must:

  • Be at least 18 years old to use Davypay.

  • Provide accurate and verifiable personal information during registration and KYC.

  • Agree not to impersonate others or provide false details.

Use of Services

Davypay provides services such as:

  • Sending & receiving money

  • Bill payments (electricity, cable, betting, etc.)

  • Airtime/data purchase

  • Gift card trading

  • eSIM & ePINs

  • Flight booking, education payments, and more

Account Security

  • All content, logos, designs, and technology on DevyPay are our intellectual property and may not be copied or used without prior written consent.

  • You are responsible for maintaining the confidentiality of your account details and PIN/password.

  • Report any unauthorized access immediately.

  • Davypay is not liable for losses caused by your failure to secure your account.

Fees & Charges

  • Some transactions may attract service fees.

  • All applicable fees will be displayed before you confirm a transaction.

  • By using our services, you agree to pay all fees associated with your transactions.

Transactions & Limits

  • Transactions are processed only after sufficient balance is available.

  • Limits on transactions may apply based on your account level (basic/verified).

  • Davypay reserves the right to delay or decline transactions suspected of fraud or money laundering.

Prohibited Activities

You may not use Davypay for:

  • Fraudulent, illegal, or harmful activities.

  • Money laundering, terrorist financing, or gambling where prohibited.

  • Attempting to hack, reverse engineer, or exploit the app.

Limitation of Liability

  • These Terms are governed by the laws of [Insert Country/State], and any disputes will be resolved under the jurisdiction of its courts.

  • Davypay is not responsible for delays, failed transactions, or losses caused by third parties (banks, telecom operators, etc.).

  • We are not liable for indirect, incidental, or consequential damages arising from your use of our services.

Termination of Service

  • We may update these Terms from time to time. Continued use of our services after changes means you accept the updated Terms.

  • We may suspend or terminate your account if you breach these terms.

  • You may close your account anytime by contacting customer support.

Changes to Terms

We may update these Terms of Service at any time. Updates will be communicated via the app or website. Continued use of Davypay means you accept the updated terms.

  • We may suspend or terminate your account if you breach these terms.

  • You may close your account anytime by contacting customer support.

Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes will be resolved under Nigerian law.

  • We may suspend or terminate your account if you breach these terms.

  • You may close your account anytime by contacting customer support.

Contact Us

If you have any questions about these Terms of Service, please contact us.