GoTap Terms and Conditions

1. Introduction

Welcome to GoTap. These Terms and Conditions ("Terms") constitute a legally binding agreement between TapprX Limited (trading as "GoTap", "We", "Us", or "Our"), a company duly registered under the laws of the Federal Republic of Nigeria, and You ("User", "Merchant", or "Customer").

GoTap is a mobile payment app for personal and business payments in Nigeria. Pay other GoTap users by QR, phone-to-phone Tap on supported Android devices or Near Payments, and send money to Nigerian bank accounts. Phone-to-phone GoTap Tap is a payment between GoTap users; it does not turn your phone into a bank-card payment terminal.

By downloading, installing, accessing, or using the GoTap mobile application, website, or payment services, you agree to be bound by these Terms. If you do not agree, do not use our Services.

2. Definitions

• "App" means the GoTap mobile application and related software.
• "Account" means your unique profile on the GoTap platform.
• "Wallet" means the balance displayed in your GoTap account for funding, sending and receiving payments.
• "Merchant" means a User who has activated the "Business Profile" to accept payments for goods and services.
• "GoTap Tap" means the phone-to-phone payment option for GoTap users on supported Android devices. Tap is currently unavailable on iPhone; QR is an alternative.

3. Eligibility

To use GoTap, you must:

1. Be at least 18 years old.
2. Reside in Nigeria.
3. Possess a valid Bank Verification Number (BVN) and/or National Identification Number (NIN).
4. Not be a person barred from receiving services under the laws of Nigeria or other applicable jurisdiction.

4. Account Registration and KYC

4.1 Verification

To comply with Central Bank of Nigeria (CBN) regulations on Know Your Customer (KYC) and Anti-Money Laundering (AML), you must provide accurate personal information, including your BVN and a valid government-issued ID.

4.2 Tiered Access

Your transaction limits (daily transfer limits and maximum balance) are determined by your KYC level (Tier 1, 2, or 3) as mandated by the CBN. GoTap reserves the right to downgrade or restrict accounts that do not meet verification requirements.

4.3 Account Security

You are solely responsible for maintaining the confidentiality of your Login PIN, Transaction PIN, and Password.

• You agree to notify us immediately of any unauthorised use of your account.
• GoTap is not liable for any loss resulting from someone else using your account with your PIN or biometric authentication, either with or without your knowledge.

5. Services for Users (Personal Accounts)

5.1 The GoTap Wallet

Your Wallet lets you add money, send payments and receive payments. Check the balance and transaction record in your own account. GoTap is a payment app, not a bank. For questions about wallet arrangements or the financial services supporting your account, contact hello@usegotap.com before relying on a particular protection.

5.2 Funding and Transfers

• Funding: Use the bank account details displayed in the app to fund your GoTap wallet by bank transfer. Check your wallet balance and transaction record to confirm the credit.
• Transfers: You may transfer funds to other GoTap users or external Nigerian bank accounts. We are not responsible for delays caused by the Nigeria Inter-Bank Settlement System (NIBSS) or the receiving bank.

5.3 Prompt Banking

GoTap AI prepares payment details from text, voice or an image. Review the recipient, amount, any fee and total debit before confirming. Correct or cancel details that do not match your intention. AI does not send money on its own; the payment requires your confirmation and the authentication requested in the app.

6. Services for Merchants (Business Accounts)

6.1 Receiving GoTap Payments

Switch to your business account to receive payments from other GoTap users with your business QR or phone-to-phone Tap on supported Android devices. Both people need GoTap for these payment methods. On iPhone, use QR. Confirm each received payment in your own business account before completing a sale; a customer's screenshot alone is not proof that the money arrived.

• You agree to only use GoTap for legitimate commercial transactions.
• You must provide a receipt (digital or physical) to the customer for every transaction.

6.2 Payment Fees

Review the fee and total debit displayed before confirming a payment. For current business pricing and applicable charges, contact hello@usegotap.com before proceeding. Do not assume that receiving a payment and moving money to your bank have the same charges.

6.3 Settlement

A completed GoTap business payment reaches your GoTap wallet. Moving money to a Nigerian bank account is a separate transfer. Check the applicable terms in your account or contact support for current bank-transfer timing and conditions. Check the transaction status before repeating an authorised payment whose result is unclear.

6.4 Location and Permitted Use

Some features use device location. Follow the permission requests shown in the app.

• Near Payments shows available GoTap users nearby. Check the recipient's name before authorising a payment.
• You can turn your Near Payments availability on or off. If the person you want to pay is not listed, use their GoTap QR or a bank transfer instead.
• You are prohibited from using GoTap for cash-out/agent banking services without explicit written authorisation from GoTap.

6.5 Payment Problems and Disputes

Check the transaction status in your own GoTap account. If a payment is missing, unrecognised or unclear, open its details and use Report Issue, or email hello@usegotap.com with the transaction reference and what happened. Do not include your PIN or verification code. Check an authorised payment's status before making a second attempt.

7. Prohibited Activities

You agree not to use GoTap for:

• Illegal gambling, sports betting, or lottery.
• Cryptocurrency trading (unless explicitly enabled by future regulation).
• Money laundering, terrorist financing, or fraud.
• Buying or selling illegal drugs, weapons, or counterfeit goods.
• Transactions that violate CBN regulations.

Penalty: We reserve the right to freeze your funds, suspend your account, and report you to the Nigerian Financial Intelligence Unit (NFIU) and law enforcement if you violate these prohibitions.

8. Intellectual Property

All content, trademarks, logos (including "GoTap", "TapprX"), and software associated with the Services are the exclusive property of TapprX Limited. You are granted a limited, non-exclusive, revocable license to use the App for its intended purpose.

9. Disclaimers and Limitation of Liability

9.1. "As Is" Service

The Services are provided "as is" and "as available" without warranties of any kind, express or implied. We do not guarantee that the App will always be safe, secure, or error-free, or that it will function without disruptions.

9.2. Third-Party Failures

GoTap is not liable for transaction failures, delays, or errors caused by:

• NIBSS or switching network downtime.
• Telecommunication network failures (MTN, Glo, Airtel, etc.).
• Bank or payment-provider system outages.
• Malfunction of your mobile device or NFC hardware.

9.3. Liability Cap

To the maximum extent permitted by Nigerian law, TapprX Limited's total liability to you for any claim arising out of these Terms or use of the Services shall not exceed the total fees paid by you to GoTap in the three (3) months preceding the event giving rise to the claim.

10. Indemnification

You agree to indemnify and hold TapprX Limited, its directors, employees, partners, and agents harmless from any claims, losses, liability, damages, and expenses (including legal fees) arising out of:

• Your use of the Services.
• Your breach of these Terms.
• Your violation of any law or the rights of a third party.

11. Privacy

Your use of GoTap is subject to our Privacy Policy, which explains how we collect, use, and share your data. By using the App, you consent to the terms of the Privacy Policy.

12. Termination

We may terminate or suspend your access to GoTap at any time, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Services will immediately cease. Any funds remaining in your wallet (minus any owed fees/fines) will be transferred to your linked bank account.

13. Dispute Resolution

13.1. Negotiation

In the event of a dispute, you agree to first contact us at hello@usegotap.com to attempt to resolve the matter informally within 30 days.

13.2. Arbitration

If informal resolution fails, the dispute shall be referred to and finally resolved by arbitration in Lagos, Nigeria, in accordance with the Arbitration and Conciliation Act. The language of arbitration shall be English.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of significant changes via the App or email. Your continued use of GoTap after such changes constitutes your acceptance of the new Terms.