Acceptable Use Policy

This Acceptable Use Policy ("AUP") sets out the activities and uses that are not permitted on Nippyy's app, website and related services (the "Services"), operated by Nippyy Innovations Limited. It forms part of, and should be read together with, our Terms of Use, and the defined terms in those Terms apply here.

We maintain this AUP to keep the Services safe and lawful, to protect our users, and to meet the legal and contractual obligations that apply to us and to our licensed banking, money-transfer and settlement partners. Because our Services run through these partners, the partners' own restricted-business and prohibited-use requirements also apply, and may be stricter than this AUP. This list is not exhaustive, and we may treat any use we reasonably consider harmful, unlawful or high-risk as a breach.

1. General Principles

When using the Services, you must:

• act lawfully, honestly and in good faith, and comply with all Applicable Law;
• provide accurate, truthful information and complete identity verification;
• use the Services only for genuine, permitted, lawful transfers;
• use only your own Account and keep your credentials and device secure; and
• not use the Services in any way that harms, or risks harming, Nippyy, our users, our Partners, or any third party.

2. Account Integrity

You must not:

• open or operate more than one Account, or create duplicate or fake Accounts (we may close or merge duplicates);
• open or use an Account in a false name, or on behalf of an undisclosed third party;
• provide false, stolen or misleading identity, verification, or payment information; or
• use the Services where your source of funds, source of income, or purpose cannot be reasonably established.

3. Prohibited Activities

You must not use the Services to engage in, facilitate, or further any of the following:

• money laundering, terrorist financing, proliferation financing, or handling the proceeds of crime;
• fraud, deception, phishing, social engineering, or any scam;
• evading sanctions, or transacting with sanctioned persons, entities or Prohibited Jurisdictions;
• tax evasion or other financial crime;
• impersonating any person or entity, or misrepresenting your identity or affiliation;
• using another person's Account, or letting someone else use yours;
• structuring or splitting transactions to avoid limits, reporting or controls;
• operating an unlicensed payment, money-transmission, money-changing, or financial service for third parties using the Services; or
• any activity that is illegal under Applicable Law, or that our Partners prohibit.

4. Restricted & Prohibited Businesses

You must not use the Services in connection with any of the following goods, services or activities:

• illegal drugs, controlled substances, and related paraphernalia;
• weapons, firearms, ammunition, explosives, and related accessories;
• human trafficking, exploitation, or any child sexual abuse material (zero tolerance);
• stolen, counterfeit, or intellectual-property-infringing goods;
• gambling, betting, lotteries, or gaming that is unlicensed, or that is not permitted in the jurisdiction where it takes place;
• pyramid, Ponzi, multi-level-marketing, "get-rich-quick", or other deceptive financial schemes;
• unlicensed or unregistered securities, investment, forex, binary-options, or similar financial offerings;
• buying, selling, or trading virtual or crypto-assets in breach of applicable Central Bank of Nigeria rules, or any unlicensed virtual-asset business;
• adult content, prostitution, escort, or other sexual services;
• bribery and corruption;
• malware, ransomware, hacking tools, or trade in illegally obtained data;
• trade in endangered or protected wildlife or their products; and
• any other goods, services or activity prohibited by law or by our Partners.

For clarity: paying into an account you hold with a gambling, betting or lottery operator that is licensed by the National Lottery Regulatory Commission, a State lottery or gaming authority, or an equivalent regulator in the relevant jurisdiction, is permitted, provided you are 18 or over. Operating a gambling, betting or lottery business through the Services, or using the Services to collect, hold or settle funds on behalf of such a business, is not permitted.

5. Prohibited Jurisdictions & Sanctioned Parties

You must not use the Services from, or to send funds to or receive funds from, a Prohibited Jurisdiction, or any person or entity subject to sanctions. We screen for, and will block, restrict or report, transactions that breach sanctions or our Partners' requirements.

6. Prohibited Technical Conduct

You must not:

• access, or attempt to access, the Services or other users' Accounts without authorisation;
• introduce viruses, malware, spyware, or other harmful code;
• probe, scan, or test the vulnerability of, or breach the security of, the Services;
• circumvent, disable, or interfere with security, fraud-prevention, or human-verification features;
• scrape, harvest, or use automated means (such as bots) to access or misuse the Services;
• overload, disrupt, or impair the Services or supporting infrastructure; or
• reverse-engineer, copy, or create derivative works from the Services.

7. Content Standards & Communications

You must not use the Services or our support channels to: harass, threaten, abuse, defame, or discriminate against any person; harm or attempt to harm minors in any way; send spam or unsolicited communications; or distribute unlawful, obscene, hateful, or offensive content.

8. Consequences of Breach

If we believe you have breached this AUP, we may, in line with our Terms of Use and as we consider appropriate: suspend, restrict, freeze or close your Account; delay, decline, hold or reverse Transactions; withhold funds where required; recover losses we suffer; and report the matter to regulators, law-enforcement, or other authorities. Where the law prevents us from telling you the reason for an action, we may be unable to do so.

9. Reporting a Violation

If you become aware of any activity that breaches this AUP, or of fraud or misuse of the Services, please report it to us through our Support channels.

10. Changes to This Policy

We may update this AUP from time to time to reflect changes in law, our Services, our Partners' requirements, or emerging risks. The current version will always show its effective date, and your continued use of the Services after changes take effect means you accept the updated AUP.

11. Contact Us

If you have questions about this AUP, please contact us:

Nippyy is a financial technology company, not a bank or licensed money transfer operator. Regulated payment, settlement and banking services are provided by licensed partners.