Terms and Conditions

Effective Date: June 12, 2025

Welcome to SabiPay. These Terms and Conditions ("Terms") govern your access to and use of the SabiPay mobile application and related services ("Service"). By downloading, accessing, or using the App, you agree to be bound by these Terms.

1. Acceptance of Terms

By using SabiPay, you affirm that you are at least 18 years of age and legally eligible to enter into this agreement. If you do not agree with these Terms, please do not use the App.

2. User Registration and Responsibility

To use certain features, you must create an account and provide accurate and complete information. You are responsible for safeguarding your login credentials and TPIN. You agree not to share your account or impersonate others.

3. Financial Transactions

All financial transactions, including airtime purchases and payments, are processed securely. By initiating any transaction, you authorize SabiPay to process and complete it on your behalf. Transaction fees may apply where applicable and are disclosed beforehand.

4. Security and Compliance

We take your security seriously and employ modern encryption and safeguards. However, you acknowledge that no platform is entirely immune from risk. You are responsible for maintaining the security of your own device and login details.

5. Prohibited Activities

You agree not to misuse the App, including but not limited to:

6. Modifications and Termination

We reserve the right to modify or discontinue any part of the App at any time. We may suspend or terminate your access if you violate these Terms or engage in suspicious activities.

7. Intellectual Property

All content, trademarks, and technology used in SabiPay are the intellectual property of SabiPay or its licensors. You may not copy, distribute, or reverse-engineer any part of the App without express permission.

8. Limitation of Liability

SabiPay is provided "as is" without warranties of any kind. We shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the App, including loss of data, funds, or access.

9. Updates to Terms

We may update these Terms occasionally. Continued use of the App after changes take effect indicates your acceptance. We will notify users of significant changes via in-app messages or email.

10. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes shall be resolved in accordance with Nigerian law in a competent court of jurisdiction.

11. Contact Information

If you have any questions about these Terms, please contact us: