Welcome to Green Wallet, a digital financial platform operated by Green Wallet Technologies Ltd (“Green Wallet,” “we,” “our,” or “us”). These Terms and Conditions govern your access to and use of our website, mobile applications, wallet services, virtual cards, payment services, and any related products or services (collectively, the “Services”).

By registering for an account, accessing, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

1. Our Services

Green Wallet provides financial technology services that may include:

Digital wallet services
Wallet-to-wallet transfers
Local payments and fund transfers
Virtual Account Numbers (VANs) for receiving funds
Virtual dollar cards for eligible international transactions
Foreign exchange and remittance services through licensed partners
Additional financial products and services introduced from time to time

The availability of specific services may vary depending on regulatory requirements, location, and eligibility criteria.

2. Eligibility

To use our Services, you must:

Be at least eighteen (18) years of age or the age of legal majority in your jurisdiction;
Provide accurate, complete, and current registration information;
Successfully complete applicable Know Your Customer (KYC) or Know Your Business (KYB) verification requirements;
Have the legal capacity to enter into a binding agreement.

Green Wallet reserves the right to refuse, suspend, or terminate access to any user who fails to meet these requirements.

3. Account Registration and Security

You are responsible for maintaining the confidentiality of your account credentials, passwords, PINs, verification codes, and any security information associated with your account.

You agree to:

Provide truthful and accurate information during registration;
Keep your account information updated;
Notify us immediately of any unauthorized access or suspected security breach.

You are responsible for all activities conducted through your account unless otherwise required by law.

4. Acceptable Use

You agree not to use Green Wallet for any unlawful, fraudulent, deceptive, or prohibited activity, including but not limited to:

Money laundering or terrorist financing;
Fraudulent transactions or scams;
Unauthorized access to systems or accounts;
Transactions involving illegal goods or services;
Activities that violate applicable laws or regulations.

Green Wallet reserves the right to monitor transactions and restrict, suspend, or terminate accounts involved in suspicious or prohibited activities.

5. Verification and Compliance

Green Wallet complies with applicable laws and regulatory requirements, including Anti-Money Laundering (AML), Counter-Terrorist Financing (CFT), sanctions screening, and fraud prevention obligations.

We may:

Request additional documentation or verification information;
Conduct enhanced due diligence where required;
Delay, refuse, reverse, or suspend transactions pending review;
Report suspicious activities to relevant regulatory or law enforcement authorities.

Failure to provide requested information may result in service restrictions or account closure.

6. Transactions

Users are responsible for ensuring the accuracy of transaction details before submission.

Once a transaction has been authorized and processed, it may not be reversible except where required by law or permitted by our policies.

Green Wallet is not responsible for losses arising from incorrect recipient details provided by users.

7. Fees and Charges

Certain services may attract fees, including but not limited to:

Transfer fees;
Virtual card issuance and maintenance fees;
Foreign exchange conversion charges;
Third-party processing fees.

Applicable fees will be disclosed before a transaction is completed. Green Wallet reserves the right to modify fees at any time, subject to applicable laws and notice requirements.

8. Virtual Cards

Virtual cards made available through Green Wallet are issued by licensed third-party financial partners.

By using a virtual card, you acknowledge that:

Card usage is subject to the applicable card issuer’s policies;
Transactions are limited to available funded balances;
Certain merchants, jurisdictions, or transaction types may be restricted;
Fraudulent activity, abuse, chargeback manipulation, or misuse may result in immediate suspension or termination of card privileges.

Green Wallet is not the card issuer and does not guarantee uninterrupted card availability.

9. Privacy and Data Protection

Green Wallet respects your privacy and processes personal information in accordance with applicable data protection laws, including the Nigeria Data Protection Act (NDPA) and other relevant regulations.

Our collection, use, storage, and disclosure of personal information are governed by our Privacy Policy available on mygreenwallet.io.

10. Intellectual Property

All trademarks, logos, software, content, designs, graphics, and intellectual property associated with Green Wallet remain the exclusive property of Green Wallet Technologies Ltd or its licensors.

Users may not reproduce, distribute, modify, reverse engineer, or exploit any part of the Services without prior written authorization.

11. Suspension and Termination

Green Wallet may suspend, restrict, or terminate your account at any time if:

You violate these Terms;
Regulatory requirements require such action;
Fraudulent, suspicious, or illegal activities are detected;
We determine that continued access poses operational, security, or legal risks.

You may request account closure at any time, subject to the completion of outstanding obligations and applicable regulatory requirements.

12. Disclaimer of Warranties

The Services are provided on an “as is” and “as available” basis.

While Green Wallet strives to provide reliable services, we do not guarantee that the Services will be uninterrupted, error-free, secure, or free from delays caused by third-party systems, networks, or service providers.

13. Limitation of Liability

To the fullest extent permitted by law, Green Wallet shall not be liable for:

Indirect, incidental, special, or consequential damages;
Loss of profits, revenue, goodwill, or business opportunities;
Delays or failures caused by third-party service providers;
User negligence, unauthorized credential sharing, or security breaches beyond our reasonable control.

Where liability cannot be excluded by law, Green Wallet’s aggregate liability shall not exceed the total amount of fees paid by the affected user during the six (6) months immediately preceding the event giving rise to the claim.

14. Indemnification

You agree to indemnify and hold harmless Green Wallet Technologies Ltd, its directors, employees, affiliates, partners, and service providers from any claims, damages, liabilities, losses, or expenses arising from:

Your use of the Services;
Your breach of these Terms;
Your violation of any applicable law or regulation.

15. Changes to These Terms

Green Wallet reserves the right to amend or update these Terms at any time.

Updated Terms will be published on our website and will become effective upon publication unless otherwise stated. Continued use of the Services constitutes acceptance of the revised Terms.

16. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

Any dispute arising out of or relating to these Terms shall first be resolved through good-faith negotiations. Where resolution is not achieved, disputes shall be referred to arbitration in Lagos, Nigeria, in accordance with the Arbitration and Mediation Act of Nigeria.

17. Contact Us

If you have any questions, concerns, or complaints regarding these Terms and Conditions, please contact us:

Green Wallet Technologies Ltd
📧 Email: support@mygreenwallet.io
🌐 Website: mygreenwallet.io