Frequently asked Questions
Experience effortless financial management with TSB-epay. From seamless banking to smart investments, our platform empowers you to take control of your financial future —anytime, anywhere.
Legal
- Terms and Conditions
Terms and Conditions
Welcome to TSB-ePay (“we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your use of our website, www.tsb-epay.com (the “Website”) and our payment services (the “Services”).
By accessing or using our Services, you agree to comply with these Terms. If you do not agree, please do not use our Services.
1. Definitions
- “TSB-ePay” – The company providing digital payment services.
- “User” – Any individual, business, or entity that accesses or uses our Services.
- “Account” – A registered user profile on our platform.
- “Transaction” – Any payment or fund transfer processed through our Services.
- “Merchant” – A business accepting payments via TSB-ePay.
2. Eligibility
- To use our Services, you must:
- Be at least 18 years old (or the legal age of majority in your jurisdiction).
- Provide accurate personal and business information.
- Have the legal capacity to enter into a contract.
- Use the Services only for lawful transactions.
TSB-ePay reserves the right to suspend or terminate accounts that violate these conditions.
3. Account Registration and Security
We may collect the following types of personal information:
- You must provide accurate, complete, and up-to-date information during registration.
- You are responsible for maintaining the confidentiality of your account credentials.
- You must notify us immediately if you suspect unauthorized access to your account.
- We are not liable for losses resulting from unauthorized account access due to your negligence.
4. Acceptable Use Policy
When using our Services, you agree NOT to:
- Engage in fraudulent, illegal, or deceptive activities.
- Violate any applicable financial regulations, including AML/CFT laws.
- Use our Services for money laundering, terrorist financing, or other criminal activities.
- Interfere with the security or functionality of the platform.
- Impersonate another person or entity.
We reserve the right to monitor, investigate, and report suspicious transactions to law enforcement authorities.
5. Payment Services
A. Transaction and processing
- We facilitate payments between users and merchants.
- Transactions are subject to verification and approval.
- We do not guarantee the completion of any transaction and are not responsible for technical failures beyond our control.
B. Fees & Charges
- We may charge transaction fees, which will be disclosed before payment processing.
- By using our Services, you agree to these fees.
- Fees are non-refundable, except as required by law.
C. Refunds & Chargebacks
- Refund policies are determined by the merchant or recipient of the funds.
- If a dispute arises, we may assist in resolving it, but we are not liable for refunds.
- Chargebacks initiated through banks or payment providers may result in account suspension.
6. Compliance and Regulations
We comply with the Nigeria Data Protection Act (NDPA) 2023, Anti-Money Laundering (AML) regulations, and other applicable laws.
- We may request additional information to verify your identity.
- We may suspend or terminate accounts that do not meet compliance standards.
- We reserve the right to report suspicious activities to regulatory authorities.
7. Limitation of Liability
- TSB-ePay is not liable for indirect, incidental, or consequential damages.
- We are not responsible for losses due to unauthorized transactions unless caused by our negligence.
- We do not guarantee uninterrupted, error-free service.
- Our liability is limited to the total transaction fees you have paid within the last 3 months.
8. Termination and Suspension
We may suspend or terminate your account if you:
- Violate these Terms.
- Engage in fraudulent or illegal activity.
- Fail to comply with AML/CFT regulations.
Users may terminate their accounts at any time by contacting hello@tsb-epay.com
9. Intellectual Property
- TSB-ePay’s trademarks, logos, and content are protected by copyright laws.
- You may not copy, modify, distribute, or use our intellectual property without written permission
10. Data Privacy and Protection
Your use of our Services is governed by our Privacy Policy, which outlines how we collect, use, and protect your data. By using our Services, you consent to our data processing practices in line with the NDPA 2023
11. Dispute Resolution
a. Governing Law: These Terms are governed by the laws of Nigeria.
b. Dispute Resolution: If a dispute arises, parties shall attempt to resolve it amicably.
c. Arbitration: If unresolved, disputes shall be settled through arbitration in Nigeria, in accordance with the Arbitration and Mediation Act, 2023.
12. Changes to these terms
We may update these Terms from time to time.
- Changes will be effective upon posting on our Website.
- Continued use of our Services after updates constitutes acceptance of the revised Terms.
13. Contact Information
For inquiries or support, contact us at:
TSB-epay is an all-in-one financial platform that combines savings, checking, and multi-currency accounts, allowing you to manage your money seamlessly and securely.
Absolutely! TSB-epay allows you to manage multiple currencies in one account.
Yes, we prioritize security with advanced encryption and strict security protocols to protect your data.
To send money internationally, simply select the account from which you want to send funds, choose the currency, enter the recipient’s details, and specify the amount. We offer competitive rates and low fees for global transfers.
We’re in the pre-launch phase. Sign up for our waitlist to get updates on our launch date!
You can easily sign up by clicking the "Join the Waitlist" button on this page and filling out the registration form.
Let’s keep you updated with the amazing features
TSB-epay revolutionizes personal finance with seamless, secure banking, investment tools, and global payment solutions in one app.
