Terms & Conditions

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1. Acceptance of Terms
2. Eligibility & Account Registration
3. Services Provided
4. Fees & Charges
5. Transactions & Refunds
6. User Responsibilities
7. Security
8. Account Suspension & Termination
9. Limitation of Liability
10. Changes to Terms
11. Contact Information

1 Acceptance of Terms

Meritwise is a digital payment platform. By accessing or using the Meritwise mobile application or services, you agree to be bound by these Terms & Conditions.

If you do not agree, do not use the app.

Important: These terms form a legally binding agreement between you and Meritwise. Please read them carefully.

2 Eligibility & Account Registration

To access Meritwise services, you must create an account. You agree to:

Be at least 18 years of age or older
Provide accurate and truthful information during registration
Maintain the confidentiality of your login details and PIN
Be responsible for all activities carried out on your account

Note: Meritwise reserves the right to suspend or terminate accounts that provide false or misleading information.

3 Services Provided

Meritwise provides the following services:

Wallet funding: Add money to your Meritwise wallet
Wallet-to-wallet transfers: Send money to other Meritwise users
Bank transfers: Transfer money to bank accounts
Airtime purchases: Buy mobile airtime for all networks
Data subscriptions: Purchase data bundles
Cable TV payments: Pay for cable TV subscriptions
Electricity bill payments: Pay electricity bills

Please Note: Meritwise does not offer loans, savings, investments, betting, or virtual cards.

4 Fees & Charges

Meritwise earns revenue only from service fees on:

Airtime purchases
Data subscriptions
Cable TV payments
Electricity bill payments

Any applicable fee will be clearly displayed before transaction confirmation.

4.1 Other Transaction Fees

Wallet funding, wallet transfers, and bank transfers may be free or charged depending on the payment method used.

5 Transactions & Refunds

Transactions are processed through licensed third-party payment providers.

Failed transactions are automatically reversed where applicable
Successful airtime, data, cable, and electricity purchases may not be refundable
Users are encouraged to report transaction issues as soon as possible.

Important: Meritwise is not responsible for service failures caused by third-party providers.

6 User Responsibilities

You agree NOT to:

Use the platform for fraud or illegal activities
Attempt to hack, exploit, or bypass system security
Use another person's payment method without authorization
Create multiple accounts to abuse promotions

Violation Consequences: Violation may result in suspension, termination, or legal action.

7 Security

Meritwise implements reasonable security measures, including:

Secure communication protocols
Access controls
Transaction monitoring
Rate limiting and fraud detection

Security Warning: Users must never share passwords, PINs, or OTPs. Meritwise staff will never request sensitive credentials.

8 Account Suspension & Termination

8.1 Meritwise's Right to Suspend or Terminate

Meritwise may suspend or terminate accounts if:

Fraud or suspicious activity is detected
Verification requirements are not met
These terms are violated
Required by law or authorities

8.2 Your Right to Close Your Account

Users may request account closure at any time, subject to completion of pending transactions.

9 Limitation of Liability

Meritwise acts as a payment intermediary and is not liable for:

Downtime or failures from banks or service providers
Network or system interruptions beyond our control
Losses caused by user negligence

Disclaimer: Use of the platform is subject to these terms and applicable laws.

10 Changes to Terms

Meritwise may update these Terms at any time. We will update the "Last Updated" date at the top of this page when changes are made.

Continued use of the app after changes means you accept the updated terms.

Stay Informed: We encourage you to review these terms periodically to stay informed of any updates.

11 Contact Information

For questions or support, please contact us:

Need Help or Have Questions?

Email: support@meritwise.com

In-app support channel also available