Terms And Conditions

Effective Date: September 26, 2023

Welcome to PayMe by vPin! Please carefully read and understand the following Terms of Use (the "Terms") before using our services. By accessing or using PayMe by vPin (the "Service"), you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the Service.


1. Eligibility

You must be at least 18 years old and have the legal capacity to enter into binding contracts to use our Service. By using the Service, you represent and warrant that you meet these eligibility requirements.


2. Privacy Policy

Your use of the Service is also governed by our Privacy Policy, which can be found in our Privacy Policy. Please review this policy to understand how we collect, use, and protect your personal information.


3. User Account

  • You are responsible for maintaining the confidentiality of your account credentials, including your username and password.
  • You are solely responsible for all activities that occur under your account.
  • You agree to promptly notify us of any unauthorized access to or use of your account.
  • We reserve the right to suspend or terminate your account if we suspect any unauthorized or fraudulent activity.


4. Prohibited Activities

When using the Service, you agree not to:

  • Engage in any unlawful, fraudulent, or unauthorized activities.
  • Use the Service to transmit or store malicious software, viruses, or any other harmful code.
  • Attempt to gain unauthorized access to the Service or its related systems.
  • Interfere with or disrupt the Service, including its servers and networks.
  • Violate any applicable laws, regulations, or third-party rights.


5. Intellectual Property

All content and materials available through the Service, including but not limited to text, graphics, logos, button icons, images, audio clips, and software, are the property of PayMe by vPin or its licensors and are protected by copyright and other intellectual property laws.


6. Payments

  • You may use the Service to make payments to participating merchants and service providers.
  • You agree to provide accurate billing and payment information.
  • Payments are subject to the terms and conditions of the specific merchant or service provider.
  • We do not guarantee the availability or acceptance of payments by any particular merchant or service provider.


7. Termination

We reserve the right to terminate or suspend your access to the Service at any time and for any reason, including violations of these Terms. Upon termination, your rights to use the Service will cease immediately.


8. Disclaimer of Warranties

The Service is provided "as is" and "as available" without any warranties, express or implied. We do not warrant that the Service will be error-free, uninterrupted, or secure.


9. Limitation of Liability

PayMe by vPin shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues.


10. Governing Law

These Terms are governed by and construed in accordance with the laws of Nigeria.


11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of significant changes, and your continued use of the Service after such changes constitutes your acceptance of the modified Terms.


12. Contact Us

If you have any questions or concerns regarding these Terms, please contact us at

By using PayMe by vPin, you agree to these Terms of Use. If you do not agree with these Terms, please do not use the Service.