Terms of Service

1. Introduction

Welcome to KudiSwift. These Terms of Service ("Terms") govern your use of our mobile application, website, and related services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

Please read these Terms carefully before using our Services. If you do not agree to these Terms, you may not access or use our Services.

2. Service Description

KudiSwift provides a digital platform that enables users to exchange gift cards for Nigerian Naira through our mobile application and website. Our services include:

• Gift Card Verification: Advanced AI-powered verification of gift card authenticity and value
• Secure Exchange: Real-time conversion of gift cards to Nigerian Naira
• Instant Payments: Direct bank transfers and mobile money payments
• Customer Support: 24/7 assistance through multiple channels
• Transaction History: Complete record of all your exchanges

Our services are available for both individual users and businesses, subject to compliance with applicable laws and regulations.

3. Eligibility and Account Registration

To use our Services, you must:

• Be at least 18 years old or the age of majority in your jurisdiction
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete registration information
• Maintain the confidentiality of your account credentials
• Comply with all applicable laws and regulations

You are responsible for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account or any other breach of security.

4. User Obligations and Conduct

By using our Services, you agree to:

• Provide accurate, current, and complete information about yourself
• Use the Services only for lawful purposes and in accordance with these Terms
• Not use the Services to violate any applicable laws or regulations
• Not attempt to gain unauthorized access to our systems or networks
• Not interfere with or disrupt the Services or servers
• Not upload or transmit harmful, offensive, or inappropriate content
• Maintain the security of your account and password
• Report any suspected unauthorized use of your account

5. Gift Card Exchange Terms

When exchanging gift cards through our platform:

• You must own the gift card or have legal right to exchange it
• Gift cards must be valid, unused, and not expired
• Exchange rates are determined by market conditions and may vary
• Processing fees may apply and will be clearly disclosed
• All exchanges are subject to verification and approval
• Once processed, exchanges cannot be reversed except in cases of error

We reserve the right to refuse any gift card exchange that appears suspicious or violates our policies.

6. Payment and Fees

Our fee structure is transparent and clearly communicated before each transaction:

• Exchange rates are displayed before confirmation
• Processing fees are clearly stated
• No hidden charges or surprise fees
• All payments are processed securely
• Refunds are processed according to our refund policy

All fees are non-refundable unless we fail to provide the agreed-upon service.

7. Prohibited Activities

You may not use our Services for any unlawful or prohibited purpose. Prohibited activities include but are not limited to:

• Fraudulent activities, scams, or money laundering
• Using stolen, counterfeit, or unauthorized gift cards
• Attempting to hack, damage, or compromise our systems
• Distributing malware or harmful code
• Violating intellectual property rights
• Harassing or abusing our staff or other users
• Circumventing our security measures
• Creating multiple accounts for fraudulent purposes
• Impersonating others or providing false information

Violation of these terms may result in immediate suspension or termination of your account.

8. Intellectual Property

The Services and all related content, features, and functionality are owned by KudiSwift and are protected by Nigerian and international copyright, trademark, and other intellectual property laws.

• You may not reproduce, distribute, or create derivative works
• You may not reverse engineer or attempt to extract source code
• Our trademarks and logos may not be used without permission
• All rights not expressly granted are reserved

9. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

• We collect only necessary information for service provision
• Your data is protected using industry-standard security measures
• We do not sell your personal information to third parties
• You have rights regarding your personal data

10. Disclaimers and Limitation of Liability

Our Services are provided "as is" and "as available" without warranties of any kind. To the maximum extent permitted by law:

• We disclaim all warranties, express or implied
• We do not guarantee uninterrupted or error-free service
• We are not liable for indirect, incidental, or consequential damages
• Our total liability is limited to the amount paid for the specific transaction

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so these limitations may not apply to you.

11. Indemnification

You agree to indemnify and hold harmless KudiSwift, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Services, violation of these Terms, or infringement of any rights of another party.

12. Termination

We may terminate or suspend your account and access to the Services immediately, without prior notice or liability, for any reason, including breach of these Terms.

• Upon termination, your right to use the Services ceases immediately
• We may delete your account and all associated data
• Outstanding payments will be processed according to our policies
• Sections that by their nature should survive will remain in effect

13. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Nigeria, without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of the Services will be resolved through:

• Good faith negotiations between the parties
• Mediation through a neutral third party
• Binding arbitration in Lagos, Nigeria

You waive any right to participate in class action lawsuits or representative actions.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website or app.

• Material changes will be communicated via email or app notification
• Continued use of Services constitutes acceptance of new Terms
• You should review these Terms periodically

15. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and KudiSwift regarding the use of our Services.

16. Contact Information

If you have any questions about these Terms of Service, please contact us through our mobile application support channels.

We are committed to addressing your concerns and will respond to your inquiries through appropriate channels as soon as possible.