Terms of Service

By creating an account or using BANJEE, you agree to these terms. If you don't agree, don't use BANJEE.

BANJEE is not a bank. Your USDC balance is not a bank deposit and is not covered by deposit insurance.

• You must be at least [minimum age] years old.
• You must use a mobile number that belongs to you and that you control.
• You must give us accurate information and keep it up to date.
• You may need to verify your identity to use some features or higher limits.
• You can't use BANJEE if the law, or a sanctions list that applies to us, prohibits it.

Your account is linked to your phone number and protected by your PIN. The same account works in WhatsApp and in the web app.

• Keep your PIN private. Never share it with anyone, including people who say they work for BANJEE.
• You're responsible for transactions confirmed with your PIN, unless you told us your account was compromised before they happened.
• Tell us straight away if your phone is lost or you think someone knows your PIN.
• You may have only one account unless we agree otherwise.

• Naira balance: a record of Naira we hold for you, which you can add to by bank transfer and send to bank accounts.
• USDC wallet: USDC held for you on the Stellar and Celo networks. BANJEE manages the wallet keys, so you don't need a seed phrase — and BANJEE will never ask you for one.
• On Celo, your balance may include other dollar stablecoins (USDT and cUSD), shown together as dollars.

We only support the assets and networks shown in the app. Sending an unsupported asset, or using the wrong network, to your BANJEE address may result in permanent loss that we can't recover.

• You confirm every transaction with your PIN. Check the recipient, amount and network before you confirm.
• Bank transfers can't be reversed once the bank accepts them. We show the account name first so you can check it.
• Blockchain transfers can't be reversed once they're confirmed on the network.
• Buy and sell rates are shown before you confirm and are held for a limited time. After that, a new rate applies.
• Transactions may be delayed or declined — for example, if a provider is unavailable, a limit applies, or we need to check for fraud.
• Money for a bank transfer is held while it's processed. If the transfer fails, the money is returned to your balance. If the outcome is unclear, it stays on hold while we confirm what happened.

Any fee for a transaction is shown before you confirm it. Selling USDC may include a fixed fee, shown on the rates page and in the quote. Network fees for USDC transfers are shown in WhatsApp before you confirm.

Current fees and limits: [fee schedule location — to be confirmed]. We'll give you notice before fees increase.

Airtime, data, TV subscriptions, electricity, betting top-ups, bank transfers, identity checks and messaging rely on third parties, including mobile networks, TV providers, electricity distribution companies, betting platforms, payment providers, banks and WhatsApp. Their services have their own terms, and they may be delayed or unavailable. Bill payments to a wrong meter, smartcard or account number can't be reversed, so check the name we show before you confirm. If a bill payment fails after you've paid, we'll return the amount to your wallet.

• Use BANJEE only for lawful purposes and your own transactions.
• Keep your phone, WhatsApp account and PIN secure.
• Check transaction details before you confirm.
• Respond to reasonable requests for information, including identity checks.
• Report errors or suspicious activity promptly.

You must not use BANJEE to:

• Launder money, finance terrorism or evade sanctions.
• Commit or receive the proceeds of fraud, scams or other crimes.
• Use someone else's account, identity or payment details.
• Interfere with, attack or reverse-engineer BANJEE's systems.
• Abuse, threaten or mislead our staff or other users.
• Operate on behalf of others without our written agreement.

If you think a transaction is wrong, contact us as soon as possible with its reference from Activity. Email banjeetechnologies@gmail.com, or message BANJEE support on WhatsApp.

We'll investigate and tell you the outcome within [complaint response time]. If money was taken in error by BANJEE, we'll correct it. We can't reverse a transfer you confirmed to the wrong recipient, but we'll help where we reasonably can.

If you're not satisfied with our response, you may escalate your complaint to [escalation body — to be confirmed by counsel].

We work to keep BANJEE available, but it may sometimes be unavailable because of maintenance, outages at WhatsApp, banks, mobile networks or blockchain networks, or events outside our control. We may change or remove features, and we'll tell you about significant changes.

You can ask us to close your account at any time. We'll help you withdraw your balance first.

We may restrict, suspend or close your account if we reasonably believe it's needed to meet a legal obligation, protect you or others from fraud or harm, or respond to a breach of these terms. Where the law allows, we'll tell you why and how to get your money out.

We protect accounts with PINs stored as one-way hashes, temporary lockouts after repeated wrong PINs, session controls and account-name checks before bank transfers. These measures work best when you keep your PIN and device secure.

BANJEE staff will never ask for your PIN or a seed phrase.

BANJEE's name, logo, software and content belong to BANJEE or its licensors. You may use the service for its intended purpose, but you may not copy, modify or distribute any part of it without permission.

BANJEE doesn't give financial, investment, legal or tax advice. Rates and information in the app are for carrying out transactions, not recommendations. [disclaimer wording — to be confirmed by counsel]

[limitation of liability — to be drafted by counsel]

We may update these terms. The date at the top shows when they last changed. We'll give you notice of significant changes before they take effect. If you keep using BANJEE after that, you accept the updated terms.

These terms are governed by [governing law and jurisdiction — to be confirmed by counsel].

BANJEE TECHNOLOGIES LLP, [registered address]. Email banjeetechnologies@gmail.com, or message BANJEE support on WhatsApp.