Acceptable Use Policy

By accessing or using the Platform, you agree to comply with the terms and conditions of this Acceptable Use Policy (“Policy”). By accessing the Platform and the Services offered via the Platform, you agree to the latest version of this Policy. You acknowledge that you are solely responsible for complying with all applicable laws regarding your actions with respect to your use of the Services offered on the Platform.

Last updated: January 01, 2024

  1. 1. General Restrictions

    You may not use, facilitate the use or allow others to use the Platform or the Services accessible via the Platform for any of the activities outlined below. The list of activities set out below is representative and not exhaustive. Accordingly, by accessing the Platform and the Services, you acknowledge and agree not to use the Platform and any of the Services for the following:

    1. Operating more than one (1) bank account with 9japay MFB – Bank accounts are specifically for person-to-person transfers with friends, family, third party whom you know or have business dealings with as well as to make authorized payments to merchants and billers.
    2. Illegal Activities – This would include activities that violate or support the violation of any laws or regulations. This also includes criminal or tortious activities such as child pornography, human trafficking or trafficking in obscene materials, drugs, gambling and other illegal activities.
    3. Abusive activities – these are activities that impose loads or restraints on our systems; interferes with our infrastructure or system operations; transmits or aids the transmission of harmful programs or materials that contain viruses, trojan horses, worms and other deleterious programs; attempt to gain unauthorized access to the Platform and our Services other Users’ accounts as well as networks and computer systems connected to the Platform and our Services by any means whatsoever.
    4. Abuse of other Users and our Employees by engaging in abusive activities, communications (whether written or oral) with regards to the use of the Services or interfering with the use and enjoyment of the Platform and services by other Users by any means whatsoever; or any hate speech or harm directed towards other Users or our employees. This includes without limitation defamation, extortion, harassment, stalking, threatening or otherwise violating or infringing the legal rights of others.
    5. Involvement in sanctioned activities such as activities that are in violation of international sanction regulations (with international application) as well as local sanction regulations. Activities under this heading include but are not limited to accessing the Platform or the Services for the benefit of an individual, entity or organization blocked, restricted or prohibited by applicable sanction authorities. If found to be in violation of these restrictions, your account could be terminated and your funds held for an indefinite period of time. In addition to this, we will also be obliged to file a report against you with the relevant authorities.
    6. Using the Platform for any transaction or activity which:
    • violates any law or government regulation, or promotes or facilitates such by third parties;
    • is fraudulent, deceptive, unfair or predatory;
    • causes or threatens reputational damage to us or the Platform;
    • involves any of the prohibited business categories outlined in this Policy; or
    • results in or creates a significant risk of fines, penalties, damages or other harm or liability.

  2. 2. Restriction of Certain Business Categories

    You may not use the Platform or help or allow others use the Platform as well as the Services accessible via the Platform for or in connection with the following specifically prohibited business list. Breach or non-compliance with these provisions may result in termination or suspension of your account. Please note that the list set out below is not an exhaustive list and we/respective payment service providers reserve the right to add or amend this list any time.

    Your access and use of the Platform and the Services constitutes an unconditional acceptance and consent by you not to participate in or use our Platform and Services for the following:

    1. Matters that fall within the Prohibition List of the Nigerian Customs Administration of the Federal Republic of Nigeria
    2. Matters that relate to the sale and/or purchase of:
      1. banned narcotics, steroids, certain controlled substances or other products that present a risk to a consumer's safety;
      2. blood, bodily fluids or body parts;
      3. burglary tools;
      4. counterfeit items;
      5. illegal drugs and drug paraphernalia;
      6. fireworks, destructive devices and explosives;
      7. identity documents, government documents, personal financial records or personal information (in any form, including mailing lists);
      8. lottery tickets, sweepstakes entries or slot machines without the required licence;
      9. offensive material or hate speech or items that promote hate, violence, racial intolerance, or the financial exploitation of a crime;
      10. chemicals;
      11. recalled items;
      12. prohibited services;
      13. unlicensed financial services, stocks or other securities;
      14. stolen property;
      15. items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction;
      16. sales of currency without BDC licence, cryptocurrency operators;
      17. obscene material or pornography;
      18. certain sexually oriented materials or services;
      19. certain firearms, firearm parts or accessories, ammunition, weapons or knives;
      20. any product or service that is illegal or marketed or sold in such a way as to create liability to the Entities; or
      21. production of military and paramilitary wears and accoutrement, including those of the Police and the Customs, Immigration and Prison Services.
    3. Matters that relate to transactions that:
      1. show the personal information of third parties in violation of applicable law;
      2. support pyramid or ponzi schemes, matrix programs, other 'get rich quick' schemes or certain multi-level marketing programs;
      3. are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card;
      4. pertain to ammunitions and arms; and
      5. involve gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes unless the operator has obtained prior approval from the Entities and the operator and customers are located exclusively in jurisdictions where such activities are permitted by law.

  3. 3. Actions by Us

    If, in our sole discretion, we believe that you may have engaged in any violation of this Acceptable Use Policy, we may (with or without notice to you) take such actions as we deem appropriate to mitigate any risk to us and any impacted third parties and to ensure compliance with this Acceptable Use Policy. Such actions may include, without limitation:

    • Placing a restriction on your account or blocking transactions and other activities on your account;
    • Suspending, restricting or terminating your access to and use of your account, the Platform as well as the Services accessible via the Platform;
    • Terminating our business relationship with you, including termination without liability to us of any service agreement between you and the Entities;
    • Taking legal actions against you;
    • Contacting and disclosing information related to such violations to (i) law enforcement or regulatory agencies, and (ii) other third parties that may have been impacted by such violations; or
    • Assessing against you any fees, penalties, assessments or expenses (including reasonable attorneys’ fees) that we may incur as a result of such violations, which you agree to pay promptly upon notice.

  4. 4. Updates, Modifications & Amendments

    We may need to update, modify or amend our Acceptable Use Policy at any time. We reserve the right to make changes to this Acceptable Use Policy.

    We advise that you check this page often, referring to the date of the last modification on the page.