Terms of use

1. About these terms

These terms form an agreement between you and Suzab ("Suzab", "we", "us") for your use of the Suzab mobile app, website and related services (the "Services"). By creating an account or using the Services, you agree to these terms and to our privacy policy. If you do not agree, please do not use the Services.

2. Eligibility

To use the Services you must:

• be at least 18 years old;
• be resident in Nigeria;
• provide accurate, complete and current information; and
• complete the identity verification we require.

3. Your account

You may hold one personal account. Your account comes with a dedicated account number that others can use to pay you. You must keep your details up to date and tell us promptly if they change. We may ask for additional information at any time to meet our legal obligations.

4. Keeping your account secure

• Keep your password, transaction PIN and one-time codes secret, and never share them with anyone, including people who claim to work for Suzab.
• Use a secure device lock and keep the app updated.
• Tell us immediately at support@suzab.com.ng if you suspect unauthorised access, lose your device, or notice a transaction you do not recognise.

Transactions authorised with your PIN, password or biometrics are treated as authorised by you, unless you have told us that your account may be compromised and the transaction happened afterwards.

5. Payments and transfers

• Before you confirm a transfer, we show the recipient's account name. You are responsible for checking it and the amount before you approve.
• Transfers are usually processed immediately and generally cannot be cancelled once approved. If you send money to the wrong account, contact us at once; we will help you seek recovery but cannot guarantee it.
• Money paid into your account number is credited once we receive confirmation from the sending bank or our partner.
• If money is credited to your account in error, you must not use it, and we may reverse it.

6. Limits and fees

Transaction and balance limits apply according to your verification level and regulatory requirements. Your current limits are shown in the app. Any fee for a transaction is shown before you confirm it. We may change our fees and limits, and we will notify you in advance of changes that affect you.

7. Third-party services

Some Services are provided with partners such as banks, payment processors, card issuers, billers and network operators. Their terms may also apply. We are not responsible for delays or failures caused by third parties, but we will help you resolve any issue.

8. Acceptable use

You must not use the Services:

• for fraud, money laundering, terrorist financing or any other unlawful purpose;
• to receive or send proceeds of crime, or on behalf of someone else without their knowledge;
• to interfere with, reverse-engineer or attack the app or our systems; or
• in a way that breaches these terms or any applicable law.

We may report suspicious activity to the relevant authorities as required by law.

9. Suspension and closure

We may restrict, suspend or close your account if we reasonably suspect fraud or unlawful activity, if you breach these terms, or if the law requires it. Where permitted, we will tell you why. You may close your account at any time; see Delete your account. Any remaining balance will be paid to you, less any amounts you owe, and records will be kept as required by law.

10. Liability

We provide the Services with reasonable care and skill. We are not liable for losses caused by your failure to follow these terms or to keep your credentials secure, by events beyond our reasonable control, or for indirect or consequential losses. Nothing in these terms limits liability that cannot be limited under Nigerian law.

11. Complaints and disputes

If something goes wrong, please tell us. Our complaints process explains how we handle complaints and how to escalate them if you are not satisfied.

12. App store terms

If you downloaded the app from the Apple App Store or Google Play:

• These terms are between you and Suzab only, not Apple Inc. or Google LLC, and we, not Apple or Google, are solely responsible for the app and its content.
• You may use the app only on devices you own or control, and only as permitted by the store's usage rules.
• Apple and Google have no obligation to provide maintenance or support for the app. Please contact us for support.
• If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation regarding the app.
• We, not Apple, are responsible for addressing any claims relating to the app, including product liability, legal or regulatory compliance, consumer protection and intellectual property claims.
• You confirm that you are not located in a country subject to a government embargo and are not on any government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you.

13. General

• Changes: we may update these terms. We will notify you of material changes in the app or by email before they take effect.
• Intellectual property: the app, website and Suzab brand belong to us or our licensors. You may not copy or misuse them.
• Governing law: these terms are governed by the laws of the Federal Republic of Nigeria, and Nigerian courts have jurisdiction.
• Contact: Suzab, support@suzab.com.ng.