ASTPAY TERMS AND CONDITIONS
 
Welcome to ASTPAY!
These Terms and Conditions (“Terms”) govern your access to and use of ASTPAY, a digital financial service operated by All Swift Technology Ltd, (“ASTPAY”). By using the ASTPAY mobile app, website, or services, you agree to be bound by these Terms.
 
If you do not agree with any part of these Terms, please do not use ASTPAY.
 
1. Eligibility
 
To use ASTPAY, you must:
•Be at least 18 years old (or the age of majority in your jurisdiction);
•Have a valid and verifiable phone number and identity document;
•Comply with Know Your Customer (KYC) requirements.
 
We reserve the right to verify your identity and deny access if you fail to meet our criteria.
2. Services Provided
 
ASTPAY offers a range of digital financial services, which may include:
 
•Mobile wallet creation and management
•Peer-to-peer transfers
•Bill payments
•Airtime and data purchase
•Merchant and agency services
•Currency exchange
•Cross-border remittances 
 
Service availability may vary based on your region, account status, and regulatory compliance.
3. Account Registration and Security
 
You agree to:
•Provide accurate, complete information during registration;
•Keep your login credentials confidential;
•Notify ASTPAY immediately of any unauthorized use or security breach.
 
We are not responsible for losses resulting from unauthorized access due to negligence on your part.
4. Fees and Charges
 
ASTPAY may charge transaction fees, service fees, or maintenance fees. These will be communicated:
•Within the app interface
•On our website
•Or via email/SMS alerts
 
All fees are subject to change. Continued use of ASTPAY after notification of fee changes implies acceptance.
 
 
 
5. User Obligations
 
You agree to use ASTPAY:
•Only for lawful purposes;
•Without engaging in fraud, money laundering, or any prohibited activities;
•In accordance with CBN (Central Bank of Nigeria) and other applicable regulations.
 
We reserve the right to suspend or terminate your account if suspicious or illegal activity is detected.
 
 
 
6. KYC and Compliance
 
As a regulated entity, ASTPAY must collect and verify your personal information. This may include:
•Full name, date of birth, phone number
•Government-issued ID
•Utility bill or address proof
•Bank Verification Number (BVN) (for Nigerian users)
 
Failure to complete KYC may result in limited access or account closure.
 
 
 
7. Transaction Limits
 
ASTPAY may impose daily, weekly, or monthly transaction limits based on your account tier, KYC level, or regulatory requirements.
 
We reserve the right to adjust these limits at our discretion or as mandated by law.
 
 
 
8. Dispute Resolution
 
If you have a complaint or dispute, contact us via:
•Email: support@astpayafrica.com
•In-app support chat
•Phone: 08102380401
 
We aim to resolve all issues within 5 business days. If unresolved, disputes may be escalated to relevant regulatory bodies or handled through arbitration.
 
 
 
9. Privacy Policy
 
Your personal information is handled in accordance with our Privacy Policy. By using ASTPAY, you consent to the collection and use of your data as outlined in that policy.
 
 
 
10. Intellectual Property
 
All logos, trademarks, designs, and content on the ASTPAY platform are the intellectual property of All Swift Technology Ltd or licensed third parties. You may not use, reproduce, or distribute any content without prior written consent.
 
 
 
11. Account Suspension or Termination
 
We reserve the right to suspend, restrict, or permanently close your account under the following conditions:
•Violation of these Terms
•Fraudulent or suspicious activity
•Regulatory or legal requirements
•At your own request
 
 
12. Limitation of Liability
 
To the maximum extent permitted by law, ASTPAY is not liable for:
•Indirect, incidental, or consequential damages
•Loss of funds due to third-party systems or user error
•Unauthorized access to your account resulting from your negligence
 
Our total liability shall not exceed the amount you have paid us in fees over the past 6 months.
 
 
13. Modifications to Terms
 
We may update these Terms from time to time. When we do, we will notify you via:
•Email
•SMS
•App notification
 
Continued use of ASTPAY after such changes implies acceptance of the updated Terms.
 
 
 
14. Governing Law
 
These Terms shall be governed by the laws of the Federal Republic of Nigeria. Any disputes arising out of or related to these Terms shall be resolved in the courts of competent jurisdiction in Nigeria.
 
 
 
By using ASTPAY, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.