Terms & Conditions
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1. About KOBPAY
KOBPAY is a bill payment platform that facilitates the purchase of services such as airtime, data bundles, cable TV subscriptions, electricity tokens and other supported bill categories. We may integrate with third-party payment and service providers to process transactions and deliver value.
2. Acceptance of Terms
By using KOBPAY, you agree to these Terms. If you do not agree, please do not use the service.
3. Eligibility & Account
- You must provide accurate information and maintain the confidentiality of your account.
- You are responsible for all activities carried out through your account.
- We may suspend or terminate accounts involved in fraud, abuse, or unlawful activities.
4. Supported Services
Available services may include (but are not limited to): Airtime, Data, Cable TV, Electricity and other bill categories. Service availability, pricing, plan lists and delivery times may change based on provider availability.
5. Payments, Wallet & Funding
- Where applicable, KOBPAY may provide an in-app wallet for storing and using funds for bill payments.
- Wallet funding methods may include bank transfers/virtual accounts and other provider options.
- Withdrawals (if available) may require verification steps (e.g., PIN/OTP) and may be subject to provider limits.
6. Transaction Completion, Delivery & Receipts
- Successful payment does not always mean instant delivery; some provider transactions may be pending.
- Always confirm you entered the correct details (phone number, smartcard/IUC, meter number, plan, etc.).
- KOBPAY provides receipts and transaction history for reference, but provider confirmations may take time.
7. Mistakes & Wrong Details
If you enter incorrect recipient details (e.g., wrong phone number, smartcard/IUC, meter number), the transaction may be irreversible. You are responsible for confirming details before payment. KOBPAY may assist with support requests, but reversals are not guaranteed.
8. Failed / Pending Transactions & Reversals
Some transactions may fail or remain pending due to network/provider issues. Where applicable, reversals may be initiated by the provider or payment processor and can take time depending on banks and service providers. Contact support with your transaction reference for help.
9. Fees & Pricing
Prices, discounts, service fees and charges may vary by provider and can change without prior notice. KOBPAY will display amounts before you confirm payment.
10. Prohibited Use
- Fraudulent transactions or attempts to bypass security checks
- Using KOBPAY for unlawful activities, money laundering, or abuse of services
- Interfering with the platform’s security or availability
11. Third-Party Providers
KOBPAY relies on third-party providers for bill fulfillment and payment processing. We are not responsible for outages, delays or failures caused by third parties, but we will provide reasonable support and updates.
12. Privacy
Your use is also governed by our Privacy Policy. Please review Privacy Policy.
13. Disclaimer
KOBPAY is provided “as is” and “as available”. We do not guarantee uninterrupted service or instant delivery in all cases.
14. Limitation of Liability
To the maximum extent permitted by law, KOBPAY shall not be liable for indirect, incidental, or consequential losses arising from your use of the platform, including provider delays, incorrect details submitted by you, or third-party outages.
15. Changes to Terms
We may update these Terms from time to time. Continued use after changes means you accept the updated Terms.
16. Contact
WhatsApp: +234 810 039 8233
Email: kobpayhq@gmail.com