Terms of Service for biplify.com

Last Updated: June 29, 2025

1. Introduction and Acceptance of Terms

Welcome to biplify.com, operated by Biplify Technologies Inc. These Terms of Service ("Terms") govern your access to and use of our website (biplify.com), mobile applications, and any related services, products, or features (collectively, the "Services").

By accessing, Browse, registering for, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and our Cookie Policy , all of which are incorporated by reference herein. If you do not agree to these Terms, you must not access or use our Services.

PLEASE READ THESE TERMS CAREFULLY, AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS, INCLUDING VARIOUS LIMITATIONS AND EXCLUSIONS, AND A CLAUSE THAT GOVERNS THE JURISDICTION AND VENUE OF DISPUTES.

2. Definitions

  • "Account": Your user account with Biplify, enabling access to and use of the Services.

  • "Content": Any data, text, graphics, images, audio, video, software, or other materials you upload, transmit, or otherwise make available through the Services.

  • "Financial Services": The specific financial products or services offered by Biplify, such as [e.g., mobile payments, digital wallets, investment features, budgeting tools, peer-to-peer lending, virtual card issuance, crypto services].

  • "Personal Data": Any information relating to an identified or identifiable natural person, as defined by applicable data protection laws (e.g., GDPR).

  • "User," "You," "Your": Any individual or entity accessing or using the Services.

3. Eligibility and Account Registration

3.1 Eligibility: To access and use our Services, you must: * Be at least [e.g., 18] years old or the age of legal majority in your jurisdiction. * Have the legal capacity to enter into a binding contract. * Not be a resident of any country or listed on any list that prohibits Biplify from providing services (e.g., OFAC sanctions list). * Comply with all applicable laws and regulations in your jurisdiction.

3.2 Account Creation: To use most of our Services, you must register for an Account. When registering, you agree to: * Provide accurate, current, and complete information as prompted by the registration form. * Maintain and promptly update the registration data to keep it accurate, current, and complete. * Maintain the security of your password and identification. * Notify Biplify immediately of any unauthorized use of your Account or any other breach of security. * Accept all risks of unauthorized access to the registration data and any other information you provide to Biplify.

3.3 Identity Verification (KYC/AML): As a fintech platform, we are legally required to perform Know Your Customer (KYC) and Anti-Money Laundering (AML) checks. You agree to provide us with any requested information and documentation, including but not limited to identity documents (e.g., national ID, passport), proof of address, and other relevant information, to allow us to verify your identity and comply with our legal obligations. Your access to Services may be delayed or restricted until successful verification.

4. Services Offered

Biplify provides a range of Financial Services including, but not limited to:

  •  Digital Wallet for storing funds

  • Peer-to-Peer money transfers

  • Bill payments and airtime top-ups

  •  Virtual and/or Physical Card issuance

  • Savings and Investment products

  • Financial budgeting and tracking tools

  • Access to cryptocurrency services 

We reserve the right to modify, suspend, or discontinue any part of the Services at any time, with or without notice.

5. User Responsibilities and Prohibited Activities

5.1 Acceptable Use: You agree to use the Services only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Services.

5.2 Prohibited Activities: You agree not to: * Use the Services for any illegal or fraudulent activities, including but not limited to money laundering, terrorism financing, or any other criminal activity. * Violate any applicable local, national, or international law or regulation. * Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity. * Attempt to gain unauthorized access to any portion or feature of the Services, or any other systems or networks connected to the Services or to any Biplify server. * Interfere with or disrupt the operation of the Services or the servers or networks connected to the Services. * Use any robot, spider, scraper, or other automated means to access the Services for any purpose without our express written permission. * Transmit any worms, viruses, Trojan horses, or any other destructive or malicious code. * Collect or harvest any Personal Data of other users without their express consent. * Engage in any activity that could damage, disable, overburden, or impair the Services or interfere with any other party's use of the Services.

6. Financial Transactions

6.1 Transaction Authorization: You authorize Biplify to process financial transactions initiated by you through your Account. You agree that all transactions are final once submitted, subject to applicable refund policies or dispute resolution procedures.

6.2 Fees: Certain Services may be subject to fees. All applicable fees will be clearly displayed to you before you complete a transaction or subscribe to a service. You agree to pay all fees associated with your use of the Services. Fees are subject to change, and we will notify you of any changes in advance.

6.3 Disputes: In the event of a transaction dispute, you agree to follow our dispute resolution procedures as outlined on our website or within the app. We will investigate such disputes in accordance with our policies and applicable laws.

6.4 Regulatory Compliance: You acknowledge that Biplify operates under various financial regulations. We reserve the right to monitor transactions, freeze accounts, or report suspicious activity to relevant authorities as required by law (e.g., AML/CFT regulations).

7. Security

7.1 Your Responsibilities: You are solely responsible for maintaining the confidentiality of your Account credentials (username, password, PIN, biometric data) and for all activities that occur under your Account. You must take all reasonable steps to secure your devices and access to your Account.

7.2 Biplify's Security Measures: We implement robust security measures, including encryption, firewalls, and access controls, to protect your data and transactions. However, no security system is impenetrable, and we cannot guarantee the absolute security of your data. For more details on our security practices, please refer to our Privacy Policy.

7.3 Reporting Security Issues: If you become aware of any unauthorized use of your Account, suspected fraud, or any other security breach, you must notify us immediately at [Your Security/Support Email, e.g., security@biplify.com].

8. Intellectual Property

8.1 Our Content: All content, features, and functionality on the Services, including but not limited to text, graphics, logos, images, software, and the compilation thereof, are the exclusive property of Biplify, its licensors, or other providers of such material and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

8.2 Your License: Subject to these Terms, Biplify grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use.

8.3 Restrictions: You agree not to reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services, except as generally permitted by the Services' functionality.

9. Privacy

Your use of our Services is also governed by our Privacy Policy, which explains how we collect, use, and disclose your Personal Data. By using the Services, you consent to all actions taken by us with respect to your Personal Data in compliance with the Privacy Policy. You can find our Privacy Policy at [Link to Privacy Policy].

10. Third-Party Services and Links

Our Services may contain links to third-party websites or services that are not owned or controlled by Biplify. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Biplify shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

11. Disclaimers

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, BIPILFY, ITS AFFILIATES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.

WITHOUT LIMITING THE FOREGOING, NEITHER BIPILFY NOR ANYONE ASSOCIATED WITH BIPILFY WARRANTS THAT THE SERVICES WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED; THAT DEFECTS WILL BE CORRECTED; THAT OUR SERVICES OR THE SERVER(S) THAT MAKE THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT THE SERVICES WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BIPILFY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, OUR SERVICES, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE SERVICES, OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

13. Indemnification

You agree to defend, indemnify, and hold harmless Biplify, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Services, including, but not limited to, your Content, any use of the Services' content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from the Services.

14. Termination

We may terminate or suspend your Account and bar access to the Services immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

If you wish to terminate your Account, you may simply discontinue using the Services or contact us at [Your Support Email, e.g., support@biplify.com] to request account closure.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

15. Changes to These Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least [e.g., 30] days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Services.

16. Governing Law and Dispute Resolution

16.1 Governing Law: These Terms shall be governed and construed in accordance with the laws of [Your Jurisdiction, e.g., the Federal Republic of Nigeria], without regard to its conflict of law provisions.

16.2 Amicable Resolution: You agree that any dispute, controversy, or claim arising out of or relating to these Terms or the breach, termination, or invalidity thereof shall first be attempted to be resolved amicably through good faith negotiations between the parties.

16.3 Arbitration (Recommended for Fintech): If the parties fail to resolve the dispute amicably within [e.g., 30] days, the dispute shall be referred to and finally resolved by arbitration in accordance with the rules of [Name of Arbitration Body, e.g., the Lagos Court of Arbitration (LCA)] for the time being in force, which rules are deemed to be incorporated by reference into this clause. The seat of the arbitration shall be [City, Country, e.g., Lagos, Nigeria]. The language of the arbitration shall be English. The number of arbitrators shall be one.

OR (if you prefer court litigation for specific cases):

16.3 Jurisdiction: Any legal action or proceeding arising under these Terms will be brought exclusively in the courts located in [City, Country, e.g., Lagos, Nigeria], and you hereby consent to the personal jurisdiction and venue therein.

17. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

18. Entire Agreement

These Terms, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between you and Biplify regarding our Services and supersede and replace any prior agreements, oral or otherwise, regarding the Services.

19. Contact Information

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

  • By email:support@biplify.com

  • By visiting this page on our website: https://biplify.com