Terms and Conditions

1. Acceptance of Terms

By accessing and using the Billows mobile application and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Billows is a financial technology platform that provides:

• Bill payment services (airtime, data, electricity, TV subscriptions)
• Money transfer and remittance services
• Digital wallet functionality
• QR code payment solutions
• Financial analytics and insights
• AI-powered financial planning tools

3. User Accounts and Registration

3.1 Account Creation

To use our services, you must create an account by providing accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials.

3.2 Account Security

You are responsible for:

• Maintaining the security of your account password and PIN
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring your contact information is up to date

4. Eligibility and KYC Requirements

To use our services, you must:

• Be at least 16 years old
• Reside in a country where our services are available
• Complete Know Your Customer (KYC) verification as required
• Provide accurate identification documents
• Comply with all applicable laws and regulations

5. Financial Transactions

5.1 Transaction Authorization

By initiating a transaction, you authorize us to process the payment according to your instructions. All transactions are final and cannot be reversed unless required by law or as specified in our refund policy.

5.2 Fees and Charges

We charge fees for certain transactions and services. All fees are displayed before you complete a transaction. You agree to pay all applicable fees associated with your use of our services.

5.3 Transaction Limits

Transaction limits may apply based on your account verification level and regulatory requirements. We reserve the right to modify these limits at any time.

6. Prohibited Activities

You agree not to:

• Use the service for any illegal purpose or in violation of any laws
• Engage in money laundering, fraud, or other financial crimes
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt the service or servers
• Use automated systems to access the service without permission
• Share your account credentials with others
• Reverse engineer or attempt to extract source code

7. Intellectual Property

All content, features, and functionality of the Billows service, including but not limited to text, graphics, logos, icons, images, and software, are the exclusive property of Billows and are protected by copyright, trademark, and other intellectual property laws.

8. Limitation of Liability

To the maximum extent permitted by law, Billows shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our services.

9. Indemnification

You agree to indemnify, defend, and hold harmless Billows, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your access to or use of our services or violation of these Terms.

10. Service Modifications and Termination

10.1 Service Changes

We reserve the right to modify, suspend, or discontinue any part of our services at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the service.

10.2 Account Termination

We may terminate or suspend your account and access to the service immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.

11. Dispute Resolution

Any disputes arising out of or relating to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the applicable arbitration association, except where prohibited by law.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Billows operates, without regard to its conflict of law provisions.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the service after such modifications constitutes your acceptance of the updated Terms.

14. Contact Information

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