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Version 1.0 | July 17, 2026
These Terms and Conditions ('Terms') constitute a binding contract between you ('User', 'you', 'your') and QU1CKPAY VENTURE GRID SOLUTIONS ('QU1CK-PAY', 'we', 'us', 'our'). By registering an account, accessing, or using any part of the Service, you accept these Terms in full. If you do not accept these Terms, please do not use the Service. If you are under eighteen (18) years of age, you may only use the Service under the supervision and with the consent of your parent(s) or guardian(s), subject to applicable laws.
To use the Service, you must register with valid information including a valid email address and mobile phone number. You agree to provide true, accurate, and complete information and to keep it updated. Upon successful registration, we deploy a personal smart contract vault on each blockchain you select from our supported networks. These vaults are non-custodial smart contracts deployed by our Factory contract. You are responsible for keeping your account credentials, password, and any two-factor authentication codes secure. You are liable for all transactions initiated using your account or vaults, even if not authorised by you.
To use certain services including on-ramp and off-ramp features, you must complete Know Your Customer (KYC) verification. This include BVN verification, NIN verification, and bank account name validation through our identity verification systems. verification references are retained for regulatory compliance. KYC verification expires after 12 months and must be renewed. Tier upgrades require additional verification steps. We reserve the right to refuse, restrict, or terminate access to the Service if you fail to provide satisfactory identity verification.
You may deposit supported cryptocurrencies to your personal vault address on any supported blockchain. Deposits are detected via our monitoring infrastructure and credited to your account balance. You are responsible for ensuring you send only supported tokens to your vault address — sending unsupported tokens may result in permanent loss.
You may withdraw supported cryptocurrencies from your vault to any external wallet address. Withdrawals are executed by our relayer infrastructure, which pays gas fees on your behalf for a gasless experience. Each withdrawal is subject to a platform fee disclosed at the time of transaction.
You may transfer assets between supported blockchains using our internal bridge. Bridge transactions are processed using integrated bridge protocols. You are responsible for selecting the correct source and destination chains — transactions sent to incorrect chains may result in permanent loss.
You may convert your supported crypto balances to Nigerian Naira. When you initiate an off-ramp, we facilitate the conversion and the Naira equivalent is deposited to your verified bank account. The exchange rate displayed at the time of your transaction confirmation is the rate that will apply. Rates may include a spread. We do not guarantee any specific exchange rate and are not responsible for rate fluctuations between confirmation and settlement. Naira settlement is typically completed within minutes but may take longer depending on your bank and processing times. Off-ramp transactions are subject to limits based on your KYC tier.
You may deposit Naira from your bank account to receive supported cryptocurrencies. When you initiate an on-ramp, we provide bank transfer details for your Naira deposit. Once your Naira is confirmed, the equivalent crypto amount is sent to your vault. On-ramp orders have a limited payment window (typically 15–30 minutes). If you fail to complete your Naira transfer within the window, the order expires and you must initiate a new order. Crypto is credited to your vault only after your Naira payment is confirmed and the conversion is processed.
We allow you to pay for airtime, mobile data, electricity tokens, cable TV subscriptions, sports betting, and education payments using your crypto balance. When you initiate a bill payment, we convert the equivalent value of your crypto and process the payment through our bill payment infrastructure. You are solely responsible for ensuring that recipient details (phone number, meter number, smart card number, etc.) are accurate.
We charge a platform fee on withdrawals, off-ramp transactions, and bill payments. The applicable fee is displayed at the time of transaction confirmation. Fees are calculated as a percentage of the transaction amount and may vary by transaction type and volume.
On-chain transactions require gas fees (network fees) to be paid to the blockchain network. Our relayer infrastructure pays these gas fees on your behalf for withdrawals and certain transactions. For other transactions, gas fees may be deducted from your transaction amount.
We reserve the right to modify our fee schedule at any time. Changes will be communicated to you in advance where reasonably practicable. Continued use of the Service after fee changes constitutes acceptance of the new fees.
If, for any reason (including system errors or technical faults), a transaction results in an amount deducted from your vault that is less than the value of services or transfers received, we reserve the right to debit your vault to recover the outstanding amount.
You must not use the Service to violate any laws or regulations, including but not limited to: money laundering, terrorist financing, or any activity covered by the Money Laundering (Prohibition) Act 2011 (as amended); fraud, phishing, or any deceptive practice; operating as an unlicensed financial service; sanctions evasion; use of mixers, tumblers, or privacy protocols that obscure transaction origin; or any activity that disrupts the security or functionality of the Service. If we reasonably suspect you are using the Service for illegal activities, we reserve the right to block your account, freeze or retain funds pending investigation, and report to appropriate law enforcement agencies or regulators.
Your privacy is important to us. Our handling of your personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference. We process your data in accordance with the Nigeria Data Protection Act 2023 (NDPA). You have the right to access, correct, and request deletion of your personal data, subject to regulatory retention requirements. We do not sell your personal data to third parties.
We integrate with third-party partners for fiat conversion, identity verification, and bill payment settlement. These third parties have their own terms and conditions governing your use of their services. You understand and agree that we do not process fiat payments directly and are not responsible or liable for any transactions processed by these third parties. Bridge transactions use third-party bridge protocols — we are not responsible for delays, failures, or losses arising from third-party bridge operations, including smart contract vulnerabilities or network congestion.
The QU1CK-PAY name, logo, brand elements, website design, and all related intellectual property are owned by QU1CKPAY VENTURE GRID SOLUTIONS. You may not use, reproduce, distribute, or modify any of our intellectual property without our prior written consent. Smart contract code used in the Service may be open-sourced; use of such code is governed by its applicable license.
To the fullest extent permitted by applicable law, we shall not be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of or in any way connected with the use or performance of the Service. The Service is provided 'AS IS' without warranty of any kind, express or implied. We do not warrant that the Service will be uninterrupted, timely, secure, or error-free. You acknowledge that blockchain transactions are irreversible once confirmed. We are not liable for losses resulting from blockchain network congestion, chain reorganisations, smart contract vulnerabilities, or other blockchain-specific risks.
You agree to indemnify, defend, and hold harmless QU1CK-PAY, its officers, directors, employees, partners, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with your use of the Service, your violation of these Terms, or your violation of any applicable law or regulation.
We may, in furtherance of regulatory, security, or operational purposes, suspend or terminate your access to the Service or discontinue the Service or any part thereof, with due notice to you or without notice where the suspension or termination is expedient to prevent fraud, comply with legal obligations, or address an ongoing security incident. Upon termination, your right to use the Service ceases immediately. You remain responsible for all transactions initiated before termination. Your vaults remain accessible on the blockchain; our relayer services (gasless withdrawals) will no longer be available. You must withdraw your funds using your own gas before any applicable deadline.
This Agreement is subject to, and shall be governed by, and construed in accordance with the laws of the Federal Republic of Nigeria. Any matters arising concerning the interpretation, validity, or implementation of this Agreement not resolved by mutual agreement between the parties shall be submitted to mediation at the High Court of the Fedral Capital Territory, in the English language, to take place in Abuja, Nigeria. Nothing in this Agreement will be deemed as preventing us from seeking injunctive relief or any other provisional remedy from any court having jurisdiction over the parties and the subject matter of the dispute.
We may modify these Terms and related policies at any time in the future. Where this happens, we will communicate the changes to you through the Service, email, or other reasonable means. By continuing to use the Service after changes take effect, you agree to be bound by the latest version of these Terms. It is your responsibility to familiarise yourself with communicated changes.
This Agreement constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior agreements, understandings, negotiations, and discussions.
If any provision of this Agreement is found by a court of competent jurisdiction to be invalid or unenforceable, such provision shall be severed from the remainder of this Agreement, which will continue to be valid and enforceable.
No relaxation or indulgence which we may show to you shall in any way prejudice or be deemed to be a waiver of our rights hereunder.
You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations at any time without notice to you.
If you have any questions regarding these Terms, please contact us.
QU1CKPAY VENTURE GRID SOLUTIONS
Email: compliance@qu1ckpay.com
+234 911 917 5873
+234 906 389 7788
Abuja, Nigeria