Terms of Use

Welcome to KnoxxPay Technologies Limited (“KnoxxPay”, “we”, “our”, or “us”). These Terms of Use (these “Terms”) govern your access to and use of our website, mobile applications, application programming interfaces (APIs), and related services (collectively, the “Platform”).

1.2 About KnoxxPay

KnoxxPay Technologies Limited is a technology company registered under the laws of the Federal Republic of Nigeria (RC Number: 8773419). We operate a digital platform that provides technology solutions enabling users to access bill payment services and cryptocurrency exchange services through third-party service providers.

1.3 Important Notice – Not a Financial Institution

KnoxxPay is a technology platform, not a financial institution, bank, or licensed virtual asset service provider. We facilitate access to services provided by third-party partners, including:

Bill payment services through licensed payment service providers
Cryptocurrency exchange services through third-party virtual asset platforms
Payment processing services through authorized payment processors

1.4 No Investment or Financial Advice

Nothing contained in the Platform constitutes investment, financial, accounting, tax, or legal advice. Any decisions based on information obtained through the Platform are your sole responsibility. We make no representations that any investment, transaction, or service is suitable for you. You are responsible for consulting with professional advisors as necessary before making any financial decisions.

1.5 Read These Terms Carefully

Before using the Platform, you must read these Terms carefully and consult a professional lawyer if you have any doubt or questions. If you do not agree to these Terms or any amendments made from time to time, you must immediately stop using the Platform.

2. ACCEPTANCE OF TERMS

2.1 Agreement to Terms

These Terms constitute a legally binding agreement between you and KnoxxPay Technologies Limited. By:

Creating a KnoxxPay account
Accessing or using the Platform
Clicking “I Agree” or similar buttons
Continuing to use the Platform after changes to these Terms

You unconditionally accept and agree to be bound by these Terms.

2.2 Definitions

For purposes of these Terms:

“User”, “you”, and “your” refer to any person or entity using the Platform
“Account” means your KnoxxPay user account
“Services” means all services accessible through the Platform
“Third-Party Providers” means our partner companies that provide bill payment, cryptocurrency exchange, and payment processing services
“Virtual Assets” or “Cryptocurrency” means digital assets including but not limited to Bitcoin, Ethereum, USDT, and other supported cryptocurrencies
“Fiat Currency” means government-issued currency, specifically Nigerian Naira (NGN)

2.3 Capacity and Authority

By accepting these Terms, you represent and warrant that:

You have the legal capacity to enter into binding contracts
If acting on behalf of a company or organization, you have authority to bind that entity
Your use of the Platform will comply with all applicable laws

3. AMENDMENT OF TERMS

3.1 Right to Modify

We reserve the right to modify, amend, or update these Terms at any time in our sole discretion. We will make reasonable efforts to notify you of material changes by:

Posting notice on the Platform
Sending email notification to your registered email address
Displaying an in-app notification

3.2 Effective Date of Changes

Amendments become effective immediately upon posting to the Platform unless otherwise stated. Your continued use of the Platform following any amendments constitutes acceptance of the modified Terms.

3.3 Rejection of Amendments

If you do not agree with any amendments, you must immediately discontinue using the Platform and may close your Account in accordance with Section 24 (Account Deletion).

4. ELIGIBILITY

4.1 Age Requirement

You must be at least 18 years of age or the legal age of majority in your jurisdiction to use the Platform. We do not knowingly collect information from or provide services to anyone under 18 years of age.

4.2 Eligibility Requirements

By registering for an Account, you represent and warrant that:

You are at least 18 years old or of legal age in your jurisdiction
You have not been previously suspended or banned from the Platform
You are not subject to any trade embargoes, economic sanctions, or restrictions by any government authority
You are not listed on any sanctions list, including but not limited to the United Nations Security Council Sanctions List
You have the legal capacity and authority to enter into these Terms
Your use of the Platform will not violate any applicable laws, regulations, or legal obligations
You are not located in, or a national or resident of, any restricted jurisdiction (see Section 5.3)

4.3 Corporate Users

If you are acting as an employee, agent, or representative of a legal entity, you represent and warrant that:

You have all necessary rights and authorizations to bind such entity to these Terms
The entity is duly organized and validly existing under applicable law
The entity has authorized your use of the Platform on its behalf

4.4 Children’s Privacy

Our Services do not address anyone under the age of 18. We do not knowingly collect personally identifiable information from minors. If you are a parent or guardian and believe your child has provided us with personal information without your consent, please contact us immediately at support@knoxxpay.com, and we will take steps to remove that information from our systems.

5. SCOPE OF SERVICES

5.1 Platform Services

The Platform provides technology solutions that enable you to access the following services through our Third-Party Providers: a) Bill Payment Services:

Airtime and data top-up
Electricity bill payments
Cable TV subscriptions
Internet services
Other utility payments as may be added from time to time

b) Cryptocurrency Services:

Purchase of virtual assets using Fiat Currency
Sale of virtual assets for Fiat Currency
Exchange between different virtual assets
Custodial wallet services (provided by Third-Party Providers)

c) Payment Services:

Fiat currency deposits via bank transfer
Fiat currency withdrawals to bank accounts
Transaction processing and settlement

5.2 Third-Party Service Provision

IMPORTANT: KnoxxPay does not directly provide bill payment, cryptocurrency exchange, custody, or payment processing services. Licensed Third-Party Providers provide all such services. KnoxxPay acts solely as a technology intermediary connecting you with these Third-Party Providers. You acknowledge and agree that:

Third-Party Providers, not KnoxxPay, ultimately provide services
Third-Party Providers may have their own terms and conditions
KnoxxPay’s role is limited to providing the technology platform
Service availability depends on Third-Party Provider operations
KnoxxPay has no control over Third-Party Provider actions, policies, or service quality

5.3 Geographic Restrictions

Available Jurisdictions: KnoxxPay currently operates in Nigeria. Our services are only available to users physically located in Nigeria. Restricted Jurisdictions: In compliance with international anti-money laundering (AML) and counter-terrorism financing (CTF) regulations, we do not provide services to users in the following jurisdictions: Afghanistan, Belarus, Burundi, Central African Republic, Cuba, Democratic People’s Republic of Korea (North Korea), Democratic Republic of the Congo, Ethiopia, Guinea, Guinea-Bissau, Haiti, Iran, Iraq, Lebanon, Libya, Mali, Myanmar, Nicaragua, Russia, Somalia, South Sudan, Sudan, Syria, Venezuela, Yemen, Zimbabwe, and any other jurisdiction subject to comprehensive sanctions by the United Nations, United States, European Union, or United Kingdom.

5.4 Service Modifications

We reserve the right to:

Add, modify, suspend, or discontinue any service at any time without prior notice
Impose limits on certain features or restrict access to parts of the Platform
Change service fees and pricing (see Section 14)
Update the list of supported virtual assets, bill payment providers, or services

6. ACCOUNT REGISTRATION AND VERIFICATION

6.1 Account Creation

To use the Platform, you must create an Account by providing accurate, complete, and current information, including but not limited to:

Full legal name
Email address
Date of birth
Bank Verification Number (BVN)
Other information as required

6.2 Account Accuracy

You agree to:

Provide only true, accurate, current, and complete information
Maintain and promptly update your Account information to keep it accurate and complete
Notify us immediately of any unauthorised use of your Account
Accept responsibility for all activities conducted through your Account

6.3 Know Your Customer (KYC) Requirements

In compliance with Nigerian Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations, you must complete our KYC verification process before accessing certain services. Required Documents:

Valid government-issued photo identification (National ID, International Passport, Driver’s License, or Voter’s Card)
Selfie photograph or video verification
Additional documents as may be requested for enhanced due diligence

Verification Process:

You authorise us to use third-party identity verification service providers
Verification typically takes 1-3 business days, but may take longer
Access to certain services is restricted until verification is complete
We may request additional information or documents at any time

6.4 KYC Refresh and Enhanced Due Diligence

We may periodically require you to:

Refresh your KYC information by submitting updated documents
Complete Enhanced Due Diligence (EDD) procedures, which may include video verification, source of funds documentation, or in-person meetings
Provide additional information about your transactions or business activities

Failure to comply with KYC refresh or EDD requests may result in account restrictions or suspension.

6.5 Transaction Limits

Account transaction limits are based on your verification level:

Unverified Accounts: No access to services
Basic Verification: Limited daily/monthly transaction limits
Full Verification: Standard transaction limits
Enhanced Verification: Higher transaction limits

Specific limit amounts are displayed in your Account dashboard and may be adjusted at our discretion.

6.6 Data Retention

We are required by law to retain your KYC information and transaction records for a minimum of five (5) years after your Account is closed or suspended. This requirement continues even after you terminate your relationship with KnoxxPay.

7. ACCOUNT SECURITY

7.1 Your Security Responsibilities

You are solely responsible for:

Maintaining the confidentiality of your login credentials (username, password, PIN, biometric data)
All activities conducted through your Account, whether authorised or not
Keeping your contact details current to receive security alerts
Securing the email address and phone number associated with your Account
Enabling two-factor authentication (2FA) and other available security features
Protecting your device from malware, viruses, and unauthorised access

7.2 Strong Password Requirements

You must create a strong password that:

Contains at least 8 characters
Includes uppercase and lowercase letters
Includes numbers and special characters
Is unique and not used for other accounts
Is changed periodically

7.3 Two-Factor Authentication

We strongly recommend (and may require) enabling two-factor authentication (2FA) on your Account. You are responsible for:

Securing your 2FA device or application
Maintaining backup authentication codes
Not sharing 2FA codes with anyone

7.4 Security Best Practices

For your protection:

Never share your password, PIN, or 2FA codes with anyone
KnoxxPay will never ask you for your password or PIN via email, phone, or any other channel
Be cautious of phishing attempts; verify that communications are from official KnoxxPay channels
Only access the Platform through official KnoxxPay applications or the official website
Keep your mobile app and web browser updated to the latest version
Log out after each session, especially on shared or public devices
Monitor your Account regularly for unauthorised activity

7.5 Official Communication Channels

KnoxxPay will only communicate with you through:

Email from @knoxxpay.com domain addresses
In-app notifications
SMS from registered KnoxxPay phone numbers
Official social media accounts (verified accounts only)

Be wary of communications from other sources claiming to represent KnoxxPay.

7.6 Unauthorised Access

If you suspect or become aware of:

Unauthorised access to your Account
Loss or theft of your login credentials
Suspicious activity on your Account
Receipt of suspicious communications claiming to be from KnoxxPay

You must immediately:

Change your password
Contact our support team at support@knoxxpay.com
Follow any additional security measures we recommend

7.7 Limitation of Liability for Security Breaches

You accept full responsibility for maintaining the security of your Account. We are not liable for any loss, damage, or unauthorised transactions resulting from:

Your failure to maintain adequate security
Sharing of your credentials with third parties
Use of weak or compromised passwords
Failure to enable available security features
Your device being compromised by malware or viruses
Phishing attacks or social engineering

8. USING THE PLATFORM

8.1 Permitted Use

You may use the Platform only for lawful purposes and in accordance with these Terms. Permitted uses include:

Making bill payments through our Third-Party Providers
Buying and selling virtual assets through our Third-Party Providers
Managing your Account and transaction history
Accessing customer support

8.2 Prohibited Uses

You agree NOT to:

Use the Platform for any illegal purpose or in violation of any laws
Violate any applicable local, state, national, or international law or regulation
Engage in fraudulent, deceptive, or misleading activities
Impersonate any person or entity or falsely represent your affiliation
Interfere with or disrupt the Platform or servers
Attempt to gain unauthorised access to any part of the Platform, other Accounts, or computer systems
Use automated systems (bots, scrapers, crawlers) to access the Platform
Reverse engineer, decompile, or disassemble any part of the Platform
Remove or modify any copyright, trademark, or proprietary notices
Use the Platform to transmit viruses, malware, or harmful code
Create multiple Accounts to circumvent restrictions or limits
Share your Account with third parties
Conduct transactions on behalf of third parties without authorization
Engage in market manipulation, wash trading, or price manipulation
Use the Platform for money laundering, terrorist financing, or other financial crimes

8.3 Acceptable Use Policy

You must comply with our Acceptable Use Policy, which prohibits:

Transactions involving illegal goods or services
High-risk or restricted business activities (see Section 17)
Transactions with sanctioned individuals or entities
Activities that violate third-party intellectual property rights
Obscene, defamatory, or harmful content

8.4 Consequences of Prohibited Use

Violation of this section may result in:

Immediate account suspension or termination
Forfeiture of funds in your Account
Reporting to law enforcement or regulatory authorities
Legal action to recover damages
Permanent ban from the Platform

9. BILL PAYMENT SERVICES

9.1 Service Description

Through the Platform, you may access bill payment services provided by licensed Third-Party Providers. Supported services include but are not limited to:

Airtime and mobile data purchases
Electricity bill payments (prepaid and postpaid)
Cable TV and streaming service subscriptions
Internet service provider payments
Education payments
Insurance payments
Government services and fees

9.2 Third-Party Provider Relationship

Important: Bill payment services are provided directly by Third-Party Providers, not KnoxxPay. We facilitate the connection and transaction processing but do not control:

Service availability or delivery
Pricing or fees charged by service providers
Service quality or customer support for the underlying service
Billing disputes or service interruptions

9.3 Payment Instructions

To make a bill payment:

Select the service category and provider
Enter the required details (meter number, account number, phone number, etc.)
Specify the amount or package
Review the transaction details and fees
Confirm the payment

You are solely responsible for ensuring all payment details are accurate. We are not liable for payments made with incorrect information.

9.4 Transaction Completion

Once you confirm a bill payment:

The transaction cannot be cancelled, reversed, or modified
Funds are immediately deducted from your Account balance
Processing time depends on the Third-Party Provider (usually instant to 24 hours)
You will receive a transaction receipt via email and/or in-app notification

9.5 Failed Transactions

If a bill payment fails due to:

Insufficient funds in your Account
Invalid payment details
Third-Party Provider system issues
Network or technical problems

We will attempt to refund the amount to your Account balance within 24-72 hours. However, we cannot guarantee refund timing as it depends on Third-Party Providers.

9.6 Disputes and Refunds

For bill payment disputes (wrong amount, service not received, duplicate payment):

Contact our support team within 7 days of the transaction
Provide transaction details and evidence of the issue
We will investigate and liaise with the Third-Party Provider
Resolution time varies (typically 5-14 business days)

Refunds are not guaranteed and depend on Third-Party Provider policies.

9.7 Limitation of Liability

KnoxxPay is not responsible for:

Service delivery failures by Third-Party Providers
Quality, availability, or interruption of services paid through the Platform
Billing disputes between you and service providers
Delays in transaction processing
Errors in the payment details you provide

10. CRYPTOCURRENCY SERVICES

10.1 Service Description

Through the Platform, you may access cryptocurrency exchange services provided by licensed Third-Party Providers. These services include:

Purchasing virtual assets using Nigerian Naira
Selling virtual assets for Nigerian Naira
Exchanging between different virtual assets
Storing virtual assets in custodial wallets (provided by Third-Party Providers)

10.2 Supported Virtual Assets

The list of supported virtual assets varies and is determined by our Third-Party Providers. Commonly supported assets include:

Bitcoin (BTC)
Ethereum (ETH)
Tether (USDT)
Other assets as displayed on the Platform

We reserve the right to add, remove, or restrict any virtual asset at any time without prior notice.

10.3 Third-Party Provision and Custody

Critical Notice:

Licensed Third-Party Providers, not KnoxxPay, provide cryptocurrency services
Virtual assets are held in custody by Third-Party Providers, not KnoxxPay
KnoxxPay does not have access to or control over your virtual assets
You are subject to the Third-Party Provider’s terms, custody arrangements, and security measures

10.4 Virtual Asset Wallet

Your cryptocurrency wallet is provided and managed by our Third-Party Providers. You acknowledge that:

The wallet is custodial (you do not control the private keys)
The Third-Party Provider holds virtual assets in your wallet
Wallet availability depends on Third-Party Provider operations
We may change Third-Party Providers, which could affect wallet access or require asset migration

10.5 Buying Virtual Assets

To purchase virtual assets:

Ensure sufficient NGN balance in your Account
Select the virtual asset and amount
Review the exchange rate, fees, and total cost
Confirm the transaction

Important Terms:

Third-Party Providers provide exchange rates and fluctuate constantly
The rate shown at confirmation is final; you cannot request a different rate after confirmation
Transactions are processed at the rate confirmed, even if market rates change during processing
Processing time varies (instant to several hours) depending on blockchain network conditions

10.6 Selling Virtual Assets

To sell virtual assets:

Ensure sufficient virtual asset balance in your wallet
Select the virtual asset and amount to sell
Review the exchange rate, fees, and NGN amount you will receive
Confirm the transaction
NGN proceeds are credited to your Account balance

Same rate terms as buying apply.

10.7 Transaction Finality

All cryptocurrency transactions are final and irreversible. Once confirmed:

Transactions cannot be cancelled, reversed, or modified
Errors in transaction details (wrong amount, wrong asset) cannot be corrected
Sending virtual assets to the wrong addresses cannot be recovered
We cannot reverse blockchain transactions

10.8 Network Fees

Blockchain transactions may incur network fees (also called gas fees or miner fees):

The blockchain network, determines network fees
Network fees are paid to blockchain miners/validators, not to KnoxxPay or Third-Party Providers
Network fees vary based on network congestion
You will be shown network fees before confirming transactions
Network fees are non-refundable, even if a transaction fails

10.9 Transaction Delays

Cryptocurrency transactions may be delayed due to:

Blockchain network congestion
Low network fees (for blockchains with fee markets)
Third-Party Provider processing time
Enhanced security checks for large transactions
Regulatory or compliance reviews

We are not responsible for delays caused by factors outside our control.

10.10 Unsupported Virtual Assets

Do not send unsupported virtual assets to your KnoxxPay wallet addresses. We are not responsible for:

Recovery of unsupported assets sent to your wallet
Loss of assets sent on wrong blockchain networks (e.g., ERC-20 tokens sent to a Bitcoin address)
Assets sent to addresses not generated through KnoxxPay

11. DEPOSITS AND WITHDRAWALS

11.1 Fiat Currency Deposits

You may deposit Nigerian Naira into your Account through:

Bank transfer to designated KnoxxPay collection accounts
Debit/credit card payments (subject to availability)
Other payment methods as may be supported

Deposit Requirements:

Deposits must be made from a bank account in your name
Third-party deposits are strictly prohibited
You must include the correct reference code provided by KnoxxPay
Minimum and maximum deposit limits apply (displayed in-app)

11.2 Deposit Processing

Deposits are typically processed within minutes to 24 hours
Processing time depends on your bank and payment method
Deposits made outside business hours or on weekends may take longer
We reserve the right to reject or return deposits that violate these Terms

11.3 Deposit Verification

We may verify deposits by:

Requesting bank statements showing the deposit
Conducting enhanced due diligence for large amounts
Confirming source of funds

Funds may be held pending verification completion.

11.4 Failed or Incorrect Deposits

If you make a deposit:

Without the correct reference code
To an incorrect account
From a third-party account
Exceeding your limits

The deposit may be rejected, delayed, or returned. We are not responsible for funds lost due to incorrect deposit details.

11.5 Fiat Currency Withdrawals

You may withdraw NGN from your Account to your registered Nigerian bank account. Withdrawal Requirements:

Withdrawals only to Nigerian bank accounts in your verified name
Third-party withdrawals are strictly prohibited
Minimum and maximum withdrawal limits apply
You must have completed KYC verification
Sufficient account balance to cover withdrawal amount and fees

11.6 Withdrawal Processing

Withdrawal requests are processed on business days (Monday-Friday, excluding public holidays)
Processing time: typically within 24-48 hours, up to 5 business days
Withdrawals may be delayed for security reviews, compliance checks, or during peak periods
We reserve the right to refuse, delay, or cancel withdrawals that violate these Terms or applicable laws

11.7 Withdrawal Verification

We may require additional verification for withdrawals:

OTP (one-time password) sent to your registered phone/email
Enhanced security checks for large amounts
Video verification or additional identity documents
Explanation of the source of funds

11.8 Erroneous Transactions

If funds are deposited or withdrawn in error:

You must immediately notify us at support@knoxxpay.com
You have no right to retain funds received in error
You must return erroneous funds as directed by KnoxxPay
We reserve the right to deduct erroneous credits from your Account
Failure to return funds may result in legal action and account termination

12. TRANSACTION INSTRUCTIONS AND PROCESSING

12.1 Processing Instructions

We process all transactions according to your instructions submitted through the Platform. You are solely responsible for:

Accuracy of all transaction details
Verification of recipient information
Confirmation of amounts and fees
Understanding the implications of your transactions

12.2 No Guarantee of Identity

We do not guarantee:

The identity of any recipient, sender, or third party
That any transaction will be completed successfully
The quality, safety, or legality of goods or services purchased with virtual assets
That recipients will fulfil their obligations to you

12.3 Verification Obligation

You must carefully verify all transaction details before submitting instructions. We are not responsible for:

Transactions sent to the wrong addresses or accounts
Incorrect amounts or currencies
Duplicate transactions
Unintended recipients

12.4 Transaction Status

Transactions may have the following statuses:

Pending: Transaction initiated but not yet complete
Processing: Transaction being processed by Third-Party Providers or blockchain network
Completed: Transaction successfully executed
Failed: Transaction could not be completed
Cancelled: Transaction cancelled before processing

Funds associated with pending transactions are reserved and not available for other transactions.

12.5 No Control Over Third Parties

We have no control over:

Delivery, quality, safety, or legality of goods or services purchased through third parties
Whether buyers or sellers complete their obligations
Third-party disputes or claims
Blockchain protocol operations, changes, or failures

13. RISK WARNINGS

13.1 General Risk Warning

Use of the Platform and associated services involves significant risks. You should carefully assess whether your financial situation and risk tolerance are suitable for using our services before proceeding.

13.2 Cryptocurrency Risks

Virtual asset markets are highly volatile and risky. You acknowledge and accept the following risks: a) Price Volatility: Virtual asset prices can fluctuate dramatically within short periods, potentially resulting in significant gains or losses. b) Market Risk: Virtual asset markets operate 24/7 and can be influenced by factors including:

Regulatory developments
Technological changes
Market sentiment
Global economic conditions
Security breaches
Media coverage

c) Liquidity Risk: Virtual assets may become illiquid, meaning you may not be able to sell them quickly or at desired prices. d) Technology Risk: Virtual assets rely on blockchain technology which may experience:

Software bugs or vulnerabilities
Network congestion or failures
Forks (splits in the blockchain)
Changes to consensus rules
51% attacks or other security exploits

e) Regulatory Risk: Virtual assets are subject to evolving and uncertain regulatory treatment. Regulatory changes may:

Prohibit or restrict virtual asset use
Impose new compliance obligations
Affect virtual asset value or availability
Limit your ability to access or use your assets

f) Loss of Private Keys: If Third-Party Providers lose access to private keys or if custodial arrangements fail, your virtual assets may become permanently inaccessible. g) Irreversibility: Blockchain transactions are generally irreversible. Errors cannot be corrected, and lost or stolen assets typically cannot be recovered. h) Cybersecurity Risks: Virtual asset platforms may be targeted by hackers, resulting in theft, loss, or compromise of assets.

13.3 Third-Party Provider Risks

Third-Party Providers provide services. Risks include:

Provider insolvency or business failure
Service interruption or unavailability
Poor service quality or errors
Changes to provider terms or fees
Provider fraud or misconduct
Loss of funds held by providers

KnoxxPay is not responsible for any actions, failures, or losses by Third-Party Providers.

13.4 Technology Platform Risks

The Platform may experience:

Downtime, interruptions, or errors
Cybersecurity incidents
Data loss or corruption
Software bugs or malfunctions
Integration issues with Third-Party Providers

13.5 No Guarantee of Profit

We make no representations or guarantees about potential profits or returns. Past performance of virtual assets is not indicative of future results. You may lose some or all of your invested capital.

13.6 Suitability Assessment

You are solely responsible for:

Determining whether our services are suitable for your financial situation
Understanding the risks involved
Conducting your own research and due diligence
Seeking independent financial, legal, or tax advice
Making informed decisions about your transactions

13.7 No Financial Advice

We do not provide financial, investment, tax, or legal advice. Information on the Platform is for general informational purposes only and should not be construed as advice or recommendations.

13.8 Your Acknowledgement

By using the Platform, you acknowledge that:

You have read and understood these risk warnings
You accept full responsibility for any losses incurred
You will not hold KnoxxPay liable for market movements, volatility, or investment losses
You are using the Platform at your own risk

14. FEES AND CHARGES

14.1 Service Fees

KnoxxPay charges fees for certain services. Fee types include:

Transaction Fees: Charged on cryptocurrency purchases, sales, and exchanges
Bill Payment Fees: Service fees or convenience charges on certain bill payments
Withdrawal Fees: Fees for NGN withdrawals to bank accounts
Network Fees: Blockchain transaction fees (paid to networks, not KnoxxPay)
Deposit Fees: Fees for specific deposit methods (e.g., card deposits)

14.2 Fee Disclosure

All applicable fees are:

Displayed on the Platform before you confirm transactions
Deducted automatically from transaction amounts or account balance
Shown in your transaction history and receipts

14.3 Fee Changes

We reserve the right to:

Modify, increase, or decrease fees at any time
Introduce new fees for existing or new services
Offer promotional fee waivers or discounts

Fee changes are effective immediately upon posting to the Platform. We will make reasonable efforts to notify you of material fee changes.

14.4 Third-Party Fees

In addition to KnoxxPay fees, you may incur fees charged by:

Third-Party Providers (exchange fees, custody fees, service fees)
Blockchain networks (gas fees, miner fees)
Banks (transfer fees, card processing fees)
Payment processors

KnoxxPay is not responsible for third-party fees.

14.5 No Refunds

Fees are generally non-refundable, except:

Where explicitly stated otherwise
Where a transaction fails due to our error
As required by applicable law

15. COMPLIANCE AND REGULATORY MATTERS

15.1 Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF)

We are committed to preventing money laundering and terrorism financing. You agree to:

Provide accurate information for KYC/AML purposes
Do not use the Platform for money laundering, terrorist financing, or other financial crimes
Cooperate with our compliance investigations and requests for information
Promptly respond to requests for additional documentation

15.2 Transaction Monitoring

We monitor transactions for:

Suspicious activity
Potential money laundering or fraud
Compliance with sanctions and regulations
Unusual patterns or behaviours

Monitoring may result in:

Transaction delays or holds
Requests for additional information
Account restrictions or termination
Reporting to authorities

15.3 Sanctions Compliance

You represent and warrant that you are not:

Located in, or a national or resident of, any sanctioned jurisdiction
Listed on any sanctions list (UN, US OFAC, EU, UK, etc.)
Owned or controlled by any sanctioned person or entity
Transacting on behalf of any sanctioned person or entity

We prohibit transactions involving sanctioned persons, entities, or jurisdictions.

15.4 Reporting Obligations

We may be required to report certain information or transactions to:

Financial Intelligence Unit (NFIU)
Central Bank of Nigeria (CBN)
Securities and Exchange Commission (SEC)
Economic and Financial Crimes Commission (EFCC)
Other regulatory or law enforcement authorities

You agree that we may disclose your information as required by law.

15.5 Cooperation with Authorities

You agree that we may:

Respond to lawful requests from authorities
Freeze accounts subject to legal process
Provide information without notice to you (where permitted by law)
Comply with court orders, subpoenas, or regulatory directives

16. DATA PRIVACY

16.1 Privacy Policy

Your use of the Platform is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you consent to our collection, use, and disclosure of your personal information as described in the Privacy Policy.

16.2 Data Collection

We collect personal information, including:

Identity information (name, date of birth, ID documents)
Contact information (email, phone, address)
Financial information (bank details, transaction history)
Technical information (device data, IP addresses, usage data)

16.3 Data Use

We use your data to:

Provide and improve services
Verify your identity (KYC/AML)
Prevent fraud and ensure security
Comply with legal obligations
Communicate with you
Analyse usage patterns

16.4 Third-Party Sharing

We may share your information with:

Third-Party Providers (to deliver services)
Identity verification service providers
Payment processors
Regulatory authorities (as required by law)
Law enforcement (pursuant to legal process)

16.5 Data Security

We implement reasonable security measures to protect your information, but we cannot guarantee absolute security. You are responsible for safeguarding your own devices and account credentials.

16.6 Data Retention

We retain your information for as long as necessary to:

Provide services
Comply with legal obligations (minimum 5 years for financial records)
Resolve disputes
Enforce our agreements

17. PROHIBITED ACTIVITIES

17.1 General Prohibitions

You must not use the Platform to engage in or facilitate any of the following prohibited activities:

a) Illegal Activities:

Violation of any laws, statutes, regulations, or ordinances
Criminal activity of any kind
Money laundering or terrorist financing
Tax evasion or fraud
Illegal gambling operations
Malicious hacking or cybercrimes

b) Fraudulent Activities:

Fraud, deception, or misrepresentation
Providing false, inaccurate, or misleading information
Identity theft or impersonation
Phishing or social engineering attacks
Creating fake or duplicate accounts

c) Prohibited Transactions:

Transactions involving illegal goods or services
Transactions with sanctioned persons or jurisdictions
Purchase or sale of stolen goods or proceeds of crime
Transactions involving weapons, explosives, or dangerous materials
Transactions involving controlled substances or illegal drugs

d) Platform Abuse:

Attempting to gain unauthorised access to systems or accounts
Introducing viruses, malware, or harmful code
Interfering with Platform operations or security
Imposing an unreasonable load on the infrastructure
Using automated systems (bots, scrapers) without authorisation
Circumventing security measures or restrictions

e) Intellectual Property Violations:

Infringing copyrights, trademarks, or other intellectual property rights
Unauthorised use of KnoxxPay branding or materials

f) Market Manipulation:

Price manipulation or wash trading
Spoofing or layering
Front-running or insider trading
Market abuse or manipulation

17.2 Prohibited Industries and Activities

The following industries and activities are prohibited: a) Adult Content and Services:

Pornography and sexually explicit material
Escort services or prostitution
Adult live chat or webcam services
Dating services with sexual content

b) Drugs and Controlled Substances:

Illegal drugs and narcotics
Drug paraphernalia
Pseudo-pharmaceuticals making unverified health claims
Prescription drugs without proper authorisation

c) Gambling:

Online casinos and gambling sites
Sports betting platforms
Lottery services
Games of chance for money

d) Multi-Level Marketing:

Pyramid schemes
Ponzi schemes
Chain letters
Referral marketing programs promising unrealistic returns

e) High-Risk Financial Services:

Investment schemes promising guaranteed high returns
Unregistered securities offerings
Binary options trading
Credit repair or debt settlement services
Get-rich-quick schemes

f) Weapons and Violence:

Firearms, ammunition, or explosives
Weapons of any kind
Material promoting violence or terrorism
Hate speech or content promoting discrimination

g) Stolen Goods:

Stolen property or proceeds of crime
Counterfeit goods or currency
Pirated media or software

h) Privacy Violations:

Sale of personal data without consent
Doxxing or harassment
Surveillance equipment or spyware

17.3 Restricted Activities

The following activities require prior approval from KnoxxPay:

High-value transactions exceeding specified limits
Business or commercial use of the Platform
Integration with third-party systems or applications
Bulk or automated transactions

17.4 Consequences of Prohibited Activities

Engaging in prohibited activities may result in:

Immediate account suspension or termination
Forfeiture of funds
Reporting to law enforcement or regulatory authorities
Legal action for damages
Permanent ban from the Platform
Cooperation with criminal investigations

18. INTELLECTUAL PROPERTY

18.1 Ownership

All intellectual property rights in the Platform, including but not limited to:

Trademarks, logos, and branding
Software, code, and algorithms
Content, text, graphics, and images
Design, layout, and user interface
Documentation and materials

are owned by KnoxxPay Technologies Limited or our licensors.

18.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

Access and use the Platform for personal, non-commercial purposes
Download the mobile application on your personal device

This license does not include any right to:

Copy, modify, or create derivative works
Reverse engineer, decompile, or disassemble
Sell, rent, lease, or sublicense
Use for commercial purposes without authorisation

18.3 Restrictions

You may not:

Use our trademarks, logos, or branding without written permission
Remove, alter, or obscure any copyright or proprietary notices
Frame or mirror any part of the Platform
Use data mining, robots, or similar data-gathering tools
Create derivative works based on the Platform

18.4 User Content

If you provide feedback, suggestions, or other content to KnoxxPay:

You grant us a perpetual, irrevocable, worldwide, royalty-free license to use such content
We are not obligated to use or respond to your content
We may incorporate your feedback without compensation or attribution

18.5 Enforcement

We reserve the right to enforce our intellectual property rights to the fullest extent of the law, including:

Seeking injunctive relief
Claiming damages
Reporting violations to authorities

19. DISCLAIMERS AND WARRANTIES

19.1 “AS IS” Basis

THE PLATFORM AND ALL SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.

19.2 Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, KNOXXPAY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

a) Implied Warranties:

Merchantability
Fitness for a particular purpose
Non-infringement
Accuracy or completeness
Title

b) Service Availability:

Uninterrupted or error-free operation
Timely, secure, or reliable service
Freedom from viruses or harmful components
Compatibility with your devices or systems

c) Third-Party Services:

Quality, availability, or reliability of Third-Party Provider services
Accuracy of information from third parties
Performance of third-party systems or networks

d) Data and Information:

Accuracy of virtual asset prices or market data
Completeness or currency of information
Suitability of information for decision-making

19.3 No Guarantee of Results

We do not guarantee:

Completion of any transaction
Specific transaction speeds or processing times
Availability of any particular service or virtual asset
Profit, returns, or investment success
Resolution of disputes in your favor

19.4 Third-Party Dependencies

You acknowledge that:

Services depend on Third-Party Providers beyond our control
Third-Party Provider failures may affect Platform functionality
Blockchain networks may experience delays, congestion, or failures
Internet and telecommunications services may be interrupted

19.5 Risk Assumption

You acknowledge and agree that:

You use the Platform at your own risk
You are responsible for all decisions made using the Platform
You have conducted your own due diligence
You have sought independent advice as appropriate

19.6 Legal Limitations

Some jurisdictions do not allow the exclusion of implied warranties. In such jurisdictions, the above exclusions may not apply to you, and you may have additional rights.

20. LIMITATION OF LIABILITY

20.1 Maximum Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL KNOXXPAY, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR PARTNERS (COLLECTIVELY, “KNOXXPAY PARTIES”) BE LIABLE FOR ANY:

a) Indirect, Incidental, or Consequential Damages:

Loss of profits, revenue, or business opportunities
Loss of data or information
Loss of goodwill or reputation
Business interruption
Cost of substitute services
Emotional distress or mental anguish

b) Direct Damages Exceeding: The total fees paid by you to KnoxxPay in the six (6) months immediately preceding the event giving rise to liability, or NGN 50,000 (Fifty Thousand Naira), whichever is lower.

20.2 Scope of Limitation

This limitation applies to claims based on:

Contract, tort, strict liability, or any other legal theory
Use or inability to use the Platform
Unauthorised access to or alteration of your data
Third-party conduct or content on the Platform
Any other matter relating to the Platform or services

This limitation applies even if:

KnoxxPay has been advised of the possibility of damages
A remedy fails of its essential purpose
Damages were foreseeable

20.3 Third-Party Liability

KnoxxPay Parties are not liable for:

Acts or omissions of Third-Party Providers
Failure or malfunction of third-party systems
Third-party fraud, theft, or misconduct
Blockchain network issues or failures
Bank or payment processor errors or delays
Internet service interruptions
Loss or theft of virtual assets held by third parties

20.4 Force Majeure

KnoxxPay is not liable for failures or delays caused by events beyond our reasonable control, including:

Natural disasters (earthquakes, floods, fires)
War, terrorism, or civil unrest
Government actions or legal restrictions
Strikes or labor disputes
Epidemics or pandemics
Internet or telecommunications failures
Power outages or infrastructure failures
Acts of God

20.5 Security Breaches

KnoxxPay is not liable for losses resulting from:

Your failure to maintain account security
Sharing of credentials or 2FA codes
Phishing attacks or social engineering
Malware or viruses on your device
Unauthorized access due to your negligence

20.6 Transaction Losses

KnoxxPay is not liable for losses from:

Virtual asset price volatility or market movements
Transaction errors due to incorrect information you provided
Irreversible transactions sent to wrong addresses
Delays in transaction processing
Failed transactions due to insufficient funds or limits

20.7 User Disputes

KnoxxPay is not liable for disputes between users or between users and third parties, including:

Buyer-seller disputes
Service quality disputes
Delivery failures
Fraud or scams between users

20.8 Legal Requirements

Nothing in these Terms shall exclude or limit liability for:

Death or personal injury caused by negligence
Fraud or fraudulent misrepresentation
Any matter that cannot be excluded or limited under Nigerian law

20.9 Acknowledgment

You acknowledge that:

These limitations are reasonable and fundamental to our business model
The fees charged reflect these limitations
You would not use the Platform if these limitations were not in place
You have had the opportunity to seek legal advice regarding these limitations

21. INDEMNIFICATION

21.1 Your Indemnification Obligation

You agree to indemnify, defend, and hold harmless KnoxxPay Parties from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees and legal costs) arising from or related to:

a) Your Use of the Platform:

Breach of these Terms
Violation of any law or regulation
Infringement of third-party rights
Negligence or willful misconduct

b) Your Transactions:

Disputes with other users or third parties
Fraudulent or unauthorized transactions
Incorrect or incomplete transaction information
Claims by recipients or service providers

c) Your Content:

Any content you submit or transmit through the Platform
Intellectual property infringement
Defamation or privacy violations

d) Your Account:

Unauthorized use resulting from your failure to secure your account
Use of your account by third parties with your knowledge or permission
Multiple accounts or circumvention of restrictions

e) Tax Obligations:

Failure to pay taxes on your transactions
Tax penalties or interest
Disputes with tax authorities

21.2 Defense and Settlement

If we are entitled to indemnification:

We will promptly notify you of the claim
You will assume control of the defense (with counsel acceptable to us)
We may participate in the defense at our expense
You may not settle without our prior written consent
We reserve the right to assume exclusive defense at any time

21.3 Cooperation

You agree to:

Cooperate fully in the defense of any claim
Provide information and access to records
Not make any statements that could prejudice our defense
Not admit liability without our consent

21.4 Survival

Your indemnification obligations survive termination of these Terms and your use of the Platform.

22. TERMINATION

22.1 Termination by You

You may terminate these Terms and close your Account at any time by:

Submitting a termination request through the Platform
Contacting our support team at support@knoxxpay.com
Following our account deletion process (see Section 24)

Before termination:

Complete or cancel all pending transactions
Withdraw all funds from your Account
Resolve any disputes or claims
Download any records or information you wish to keep

22.2 Termination by KnoxxPay

We may suspend, restrict, or terminate your Account immediately and without prior notice if:

a) Breach of Terms:

You violate any provision of these Terms
You engage in prohibited activities
You provide false or misleading information
You fail KYC verification or refuse to provide required documents

b) Legal or Regulatory Reasons:

Required by law, court order, or regulatory directive
To comply with sanctions or legal obligations
You become subject to legal restrictions or sanctions
Legal proceedings are initiated against you

c) Risk or Security Concerns:

We suspect fraud, money laundering, or illegal activity
Your account poses security risks
We detect unusual or suspicious activity
Multiple failed login attempts or security alerts

d) Operational Reasons:

You abuse or misuse the Platform
You create multiple accounts to circumvent limits
You engage in market manipulation
You harm other users or KnoxxPay’s reputation

e) Third-Party Issues:

Third-Party Providers terminate services to you
You violate Third-Party Provider terms
Third-party fraud or chargebacks

22.3 Effect of Termination

Upon termination:

Your right to access the Platform immediately ceases
All licenses granted to you are revoked
We may retain your information as required by law (minimum 5 years)
You remain liable for all obligations incurred before termination
Provisions that by their nature should survive (indemnification, liability limitations, dispute resolution) continue in effect

22.4 Account Closure Process

If we terminate your Account:

We will make reasonable efforts to notify you by email
You may be required to withdraw funds within a specified timeframe
We may refuse, delay, or condition withdrawal of funds if:
Required by law or legal process
Funds are subject to dispute or investigation
Your account has outstanding obligations
We suspect fraud or illegal activity

22.5 No Liability for Termination

KnoxxPay shall have no liability for:

Termination of your Account
Inability to access your Account after termination
Deletion of your information
Losses resulting from termination

We are not required to:

Provide reasons for termination
Restore your Account
Maintain your data after legal retention periods

23. DISPUTE RESOLUTION

23.1 Informal Resolution

Before initiating formal dispute resolution, you agree to:

Contact our support team at support@knoxxpay.com
Provide a detailed description of the dispute
Allow us 30 days to investigate and respond
Engage in good faith negotiations to resolve the dispute

Many disputes can be resolved through this informal process.

23.2 Notification Requirement

You must notify us of any claim or dispute within 30 days of the event giving rise to the claim. Claims not reported within this period may be waived.

23.3 Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict of law principles.

23.4 Jurisdiction

You agree that:

Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Nigeria
You submit to the personal jurisdiction of Nigerian courts
You waive any objection to venue in Nigerian courts

23.5 Dispute Categories

Disputes may include but are not limited to:

Transaction disputes (failed, delayed, or incorrect transactions)
Fee disputes
Account access issues
Service quality complaints
Alleged breaches of these Terms
Intellectual property claims

23.6 Dispute Process

For transaction disputes:

Initial Report: Submit dispute within 7 days of transaction
Investigation: We investigate and contact Third-Party Providers (5-14 business days)
Resolution: We provide a written response with our findings
Appeal: If dissatisfied, you may escalate to formal legal process

23.7 Evidence Requirements

When filing a dispute, you must provide:

Transaction details (date, amount, reference)
Supporting documentation (receipts, screenshots, bank statements)
Description of the issue and desired resolution
Any communications with third parties

23.8 Limitation Period

Any legal action arising from these Terms must be commenced within one (1) year after the cause of action accrues. Claims brought after this period are barred.

23.9 Class Action Waiver

YOU AGREE THAT DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY. You waive any right to:

Bring claims as a class action, consolidated action, or representative action
Join in any claim with other users
Act as a class representative or class member

23.10 Injunctive Relief

Notwithstanding the above, KnoxxPay may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent:

Intellectual property infringement
Unauthorized access to systems
Violations that cause irreparable harm
Breach of confidentiality obligations

24. ACCOUNT DELETION

24.1 Right to Delete

You have the right to request permanent deletion of your KnoxxPay Account at any time.

24.2 Pre-Deletion Requirements

Before requesting account deletion, ensure:

All pending transactions are completed or cancelled
Your account balance is zero (withdraw all funds)
All disputes or complaints are resolved
You have downloaded any records or information you wish to keep
Outstanding fees or obligations are settled

24.3 Deletion Request Process

To request account deletion:

Log in to your Account
Navigate to Settings > Account > Delete Account
Review the deletion consequences
Confirm your identity (2FA verification)
Submit deletion request

Alternatively, contact support@knoxxpay.com with:

Subject line: “Account Deletion Request”
Account email address
Reason for deletion (optional)

24.4 Processing Time

Deletion requests are processed within 7-14 business days
You will receive confirmation once deletion is complete
During processing, your Account will be suspended

24.5 Consequences of Deletion

Once deleted:

Your Account is permanently closed and cannot be reactivated
You lose access to all account data and transaction history
You cannot create a new account using the same credentials for 90 days
Any remaining balance may be forfeited if not withdrawn beforehand
These Terms are terminated

24.6 Data Retention

Even after deletion, we retain certain data as required by law:

KYC information: 5 years minimum
Transaction records: 5 years minimum
Compliance-related data: As required by regulators
Data subject to legal holds or investigations: Until resolved

Retained data is maintained securely and used only for legal compliance purposes.

24.7 Deletion Restrictions

We may refuse or delay account deletion if:

You have pending transactions or unresolved disputes
Your account is subject to legal process or investigation
You have outstanding obligations or debts
Required by law or court order
There are unresolved regulatory inquiries

24.8 Post-Deletion Contact

After deletion:

We may still contact you regarding legal or regulatory matters
You may contact us regarding retained data per privacy laws
You have no further obligations except those that expressly survive termination

25. NOTICES

25.1 How We Contact You

KnoxxPay may provide notices to you:

By email to your registered email address
Through in-app notifications or alerts
By posting on the Platform
By SMS to your registered phone number
By mail to your registered address (for important legal notices)

25.2 When Notices Are Effective

Notices are deemed received:

Email: 24 hours after sending
In-app: When displayed
SMS: 24 hours after sending
Mail: 5 business days after posting
Platform posting: Immediately upon posting

25.3 Your Responsibility

You must:

Keep your contact information current
Check your email and Platform regularly for notices
Ensure our emails are not filtered to spam
Accept responsibility for missed notices due to incorrect contact information

25.4 How to Contact Us

To contact KnoxxPay: Email: support@knoxxpay.com

Address: KnoxxPay Technologies Limited 3 Tunde Joda Street Off White Sand School Lekki, Lagos Nigeria For legal notices, use: Legal Department legal@knoxxpay.com

25.5 Required Format

When sending legal notices to us, include:

Your full name and Account email
Clear description of the matter
Relevant transaction or account details
Supporting documentation if applicable

26. GENERAL PROVISIONS

26.1 Entire Agreement

These Terms, together with:

Our Privacy Policy
Any additional terms for specific services
Any amendments or modifications

constitute the entire agreement between you and KnoxxPay regarding the Platform and supersede all prior or contemporaneous communications, whether electronic, oral, or written.

26.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court:

The invalid provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable
If modification is not possible, the provision shall be severed
The remaining provisions shall continue in full force and effect

26.3 No Waiver

KnoxxPay’s failure to enforce any right or provision of these Terms shall not constitute a waiver of:

That right or provision
Any other rights or provisions
Future enforcement of the same provision

Any waiver must be in writing and signed by an authorized KnoxxPay representative.

26.4 Assignment

You may not assign or transfer these Terms or your Account to any third party without our prior written consent. KnoxxPay may assign or transfer these Terms or any rights hereunder:

Without notice or consent
To any affiliate or subsidiary
In connection with a merger, acquisition, or sale of assets
To any successor entity

26.5 No Agency

Nothing in these Terms creates any:

Partnership, joint venture, or agency relationship
Employment relationship
Fiduciary duty or special relationship
Right to bind KnoxxPay to any obligation

You and KnoxxPay are independent contractors.

26.6 Third-Party Rights

These Terms are between you and KnoxxPay only. No third party has any right to enforce any provision of these Terms.

26.7 Force Majeure

KnoxxPay is not liable for any delay or failure to perform obligations under these Terms due to events beyond our reasonable control, including but not limited to:

Natural disasters
War, terrorism, or civil unrest
Government actions, laws, or regulations
Internet or telecommunications failures
Power outages or infrastructure failures
Pandemics or public health emergencies
Strikes or labor disputes
Third-Party Provider failures
Blockchain network issues

Our obligations are suspended for the duration of such events.

26.8 Survival

The following provisions survive termination of these Terms:

Indemnification (Section 21)
Limitation of Liability (Section 20)
Dispute Resolution (Section 23)
Intellectual Property (Section 18)
Data Retention (Section 16.6)
Any provisions that by their nature should survive

26.9 Headings

Section and subsection headings are for convenience only and do not affect the interpretation of these Terms.

26.10 Language

These Terms are provided in English. Any translations are for convenience only. In case of conflict, the English version prevails.

26.11 Electronic Communications

You consent to receive communications from us electronically and agree that electronic communications satisfy any legal requirement that communications be in writing.

26.12 Relationship to Third-Party Terms

When using Third-Party Provider services through the Platform:

You may be subject to additional terms and conditions
Third-party terms do not modify these Terms
In case of conflict, these Terms govern your relationship with KnoxxPay

26.13 Compliance with Laws

You are responsible for:

Compliance with all applicable laws in your jurisdiction
Determining the legality of using our services in your location
Any licenses or registrations required in your jurisdiction

26.14 Updates and Modifications

We may update, modify, or improve the Platform at any time without notice. Updates may:

Add, modify, or remove features
Change user interface or functionality
Affect service availability or performance

26.15 Feedback

If you provide feedback, suggestions, or ideas:

You grant us a perpetual, royalty-free license to use them
We have no obligation to implement or respond to feedback
We may use feedback without compensation or attribution

27. CONTACT INFORMATION

27.1 Customer Support

For questions, assistance, or concerns: Email: support@knoxxpay.com

Hours: Monday – Friday, 9:00 AM – 6:00 PM WAT Response Time: Within 24-48 hours

27.2 Company Information

Legal Name: KnoxxPaee Technologies Limited RC Number: 8773419 Registered Address: 3 Tunde Joda Street Off White Sand School Lekki, Lagos Nigeria Website: www.knoxxpay.com

Email: info@knoxxpay.com

27.3 Departments

For specific inquiries:

Technical Support: tech@knoxxpay.com
Compliance Inquiries: compliance@knoxxpay.com
Legal Matters: legal@knoxxpay.com
Partnership Opportunities: partnerships@knoxxpay.com

27.4 Feedback and Complaints

We value your feedback and take complaints seriously. To file a complaint:

Contact support@knoxxpay.com with “COMPLAINT” in the subject line
Provide a detailed description of the issue
Include relevant transaction details and supporting documents
We will acknowledge receipt within 48 hours
We will investigate and respond within 14 business days

If unsatisfied with our response, you may escalate to:

Consumer Protection Council of Nigeria
Relevant regulatory authorities
Legal channels (see Section 23)

27.5 Emergency Contact

For urgent security matters (unauthorised access, suspected fraud):

Email: security@knoxxpay.com
Mark as: “URGENT – SECURITY”
Response: Within 4-6 hours during business hours

ACKNOWLEDGMENT

By creating an account, accessing, or using the KnoxxPay Platform, you acknowledge that:

You have read and understood these Terms of Use in their entirety
You agree to be legally bound by these Terms
You know the risks associated with cryptocurrency and bill payment services
You accept that KnoxxPay is a technology platform relying on Third-Party Providers
You are responsible for compliance with all applicable laws
You have the legal capacity to enter into this agreement
You will not use the Platform for any prohibited activities

If you do not agree to these Terms, you must not access or use the Platform.

Last Updated: January 2026 Version: 1.0