Welcome to Zizapay — your trusted partner for sending, receiving, and managing money across borders. These Terms & Conditions (“Terms”) explain how we operate, your rights, and your responsibilities when using our services.
Please read this carefully. By signing up or using our app or website, you agree to these Terms. If you don’t agree, please don’t use Zizapay.

In Simple Terms
We want to make things clear and simple:

• Zizapay helps you move money between countries safely and conveniently.
• We’re registered in the United States and Nigeria and operate under the relevant financial and data protection laws of those regions.
• We’re not a bank, but a licensed payment service provider.
• You’re responsible for the accuracy of the details you provide when sending money.
• We comply with anti-money laundering (AML) and data protection laws in every country we operate in.
• We protect your information and keep your money secure.

1. Who We Are

Zizapay (“we”, “our”, or “us”) is a cross-border money transfer and digital wallet service that allows users to send, receive, and manage money between the United States, Canada, the United Kingdom, Nigeria, and other supported countries.
Zizapay is operated by:

• Zizapay Inc., registered in the United States, and
• Zizapay Technologies Ltd., registered in Nigeria and licensed under the Central Bank of Nigeria (CBN) guidelines for payment service providers.

Our goal is to make sending money home simple, transparent, and affordable — no hidden fees, no unnecessary delays.

2. Who Can Use Zizapay
To use Zizapay, you must:

• Be at least 18 years old.
• Reside in a supported country.
• Have the legal capacity to enter into an agreement.
• Provide accurate and verifiable information for identity checks (KYC).
• You agree to keep your account details secure and notify us immediately if you suspect any unauthorized use of your account.

3. Opening and Managing Your Account

When you create an account, you’ll need to provide your full name, contact information, identification documents, and sometimes proof of address.
We verify your identity to comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations under FinCEN (U.S.) and the Central Bank of Nigeria (CBN).
You’re responsible for all activity under your account. Don’t share your password or login credentials with anyone.
If we detect suspicious or fraudulent activity, we may pause, limit, or close your account for security reasons.

4. Sending and Receiving Money
How it works:
You can use Zizapay to send money from your account in the U.S., U.K., or Canada to recipients in Nigeria and other supported countries.
You can also receive payments from supported countries directly into your Zizapay wallet.
Fees & Exchange Rates:
We’ll always show you our fees and exchange rates before you confirm any transaction. These rates may change from time to time depending on market conditions.
Transfer Limits:
Transaction and account limits may apply based on your verification level, country, and local regulations.
Delivery Times:
Most transfers are processed instantly or within minutes, but occasionally may take longer due to banking hours, currency controls, or compliance checks.
Refunds:
If a transfer fails, we’ll refund the money to your funding source within a reasonable time. Refunds may take a few business days, depending on your bank or card provider.

5. Compliance, Fraud & Suspicious Activity
We take financial safety seriously. Zizapay complies with:

• U.S. Financial Crimes Enforcement Network (FinCEN) rules,
• Central Bank of Nigeria (CBN) and Nigerian Financial Intelligence Unit (NFIU) regulations, and
• Relevant AML/CTF laws in other supported regions.

We may request additional documents or explanations for transactions that appear unusual or exceed limits. If we suspect illegal activity, we may freeze your account, delay transfers, or report to relevant authorities.
You agree not to use Zizapay for:

• Money laundering or fraud,
• Gambling or illegal trade,
• Purchasing prohibited goods or services, or
• Transferring funds on behalf of others without authorization.

6. Privacy & Data Protection

Your privacy matters to us. We collect and store only what’s needed to provide our service.
We comply with:

• GDPR (UK & EU),CCPA (California, U.S.), and
• NDPR (Nigeria Data Protection Regulation).

We use your information to:

• Verify your identity,
• Process payments, and
• Improve our products and services.

We never sell your data. You can request to access, correct, or delete your personal data by contacting our support team.
See our Privacy Policy for full details.

7. Fees, Rates & Changes
We believe in transparency.
All fees and exchange rates are displayed before you confirm a transaction.
If we change our fees or introduce new ones, we’ll notify you in advance via the app, email, or on our website.
8. Intellectual Property
All rights to the Zizapay name, logo, app design, software, and content belong to Zizapay Inc. and its affiliates.
You’re allowed to use our app and website only for lawful personal use.
You may not copy, modify, or redistribute our software or trademarks without our written permission.

9. Limitation of Liability
We do our best to make Zizapay fast and reliable, but sometimes things happen that are beyond our control.
Zizapay will not be responsible for:

• Losses caused by inaccurate recipient details,
• Delays from third-party banks or mobile operators,
• Currency fluctuations,
• System outages, or
• Events like natural disasters, internet failures, or government restrictions.

Our total liability to you for any claim will not exceed the total amount of fees you’ve paid to us in the past 6 months.

10. Dispute Resolution & Contact
If something goes wrong, we’re here to help.
Step 1: Contact Us
Email: contact@zizapay.com
We’ll do our best to resolve your concern quickly.
Step 2: Escalation
If you’re not satisfied, we may escalate the matter to an independent financial ombudsman (where applicable).
Step 3: Legal Jurisdiction
These Terms are governed by the laws of the United States and Federal Republic of Nigeria, depending on where your account is registered.
Disputes will be handled in the courts of that jurisdiction.

11. Termination or Suspension
You can close your account anytime through the app or by contacting support.
We may suspend or close your account if:

• You violate these Terms,
• We detect suspicious or illegal activity, or
• We are required to by law or regulation.

Outstanding transactions will still be processed or refunded as appropriate.

12. Changes to These Terms
We may update these Terms to reflect product improvements, regulatory changes, or market conditions.
If we make material changes, we’ll let you know at least 7 days before they take effect.
By continuing to use Zizapay after that, you accept the updated Terms.

13. Contact Information
If you have questions or feedback, reach us at:
📧 contact@zizapay.com
🌍 www.zizapay.com

Final Note
At Zizapay, our mission is simple: to connect people and empower communities through borderless money movement. We promise transparency, security, and reliability in everything we do.
Thank you for trusting us with your transfers. ❤️