Terms of Use

1. Introduction

Welcome to Trilspay.

These Terms of Use govern your access to and use of Trilspay’s website, mobile application, wallet services, bill payment services, rewards, customer support channels, and all related products and services provided by Trilspay.

By creating an account, accessing our platform, or using any of our services, you agree to be bound by these Terms of Use. If you do not agree with these terms, you should not use Trilspay.

2. About Trilspay

Trilspay is a digital bill payment and financial service platform that allows users to perform transactions such as:

• Airtime purchase
• Data bundle purchase
• Electricity bill payment
• Cable TV subscription
• Betting wallet funding
• Wallet funding
• Digital payment services
• Rewards and promotional services
• Other value-added services that may be introduced from time to time

Trilspay may provide these services directly or through licensed banks, payment processors, bill payment aggregators, financial institutions, and other third-party service providers.

3. Eligibility

To use Trilspay, you must:

• Be at least 18 years old.
• Have the legal capacity to enter into an agreement.
• Provide accurate and complete registration information.
• Use the platform only for lawful purposes.
• Comply with all applicable laws, regulations, and these Terms of Use.

By using Trilspay, you confirm that you meet these requirements.

4. Account Registration

To access certain services, you may be required to create a Trilspay account.

When creating an account, you agree to:

• Provide accurate and up-to-date information.
• Keep your login details secure.
• Not create an account using false information.
• Not impersonate another person or business.
• Update your information when necessary.
• Accept responsibility for all activities carried out through your account.

Trilspay may refuse registration, suspend, restrict, or close an account where false, incomplete, suspicious, or misleading information is provided.

5. Account Security

You are responsible for maintaining the confidentiality of your password, PIN, OTP, device, and login details.

You agree not to:

• Share your password, PIN, or OTP with anyone.
• Allow another person to use your account.
• Use another person’s account without permission.
• Ignore suspicious login or transaction alerts.
• Attempt to bypass our security controls.

Trilspay will never ask you to disclose your password, PIN, or OTP. If you suspect unauthorized access to your account, contact Trilspay Support immediately.

6. Identity Verification and KYC

Trilspay may require you to complete identity verification before using certain services or accessing higher transaction limits.

This may include providing:

• Full name
• Phone number
• Email address
• Date of birth
• BVN
• NIN
• Government-issued ID
• Selfie or profile photo
• Address information
• Any other information required for compliance or security purposes

You agree that Trilspay may verify your information through trusted third-party verification providers, financial institutions, government databases, or regulatory sources where applicable.

Failure to complete verification may result in limited access, transaction limits, account restrictions, or suspension.

7. Use of Trilspay Services

You agree to use Trilspay only for lawful and authorized purposes.

You must not use Trilspay to:

• Commit fraud or financial crime.
• Launder money or fund illegal activities.
• Make unauthorized transactions.
• Abuse promotions, bonuses, rewards, or referral systems.
• Use stolen cards, stolen bank accounts, or unauthorized payment instruments.
• Attempt to hack, disrupt, reverse engineer, or damage the platform.
• Upload malicious code, viruses, or harmful content.
• Provide false transaction details or fake payment evidence.
• Use Trilspay in a way that violates applicable laws or regulations.

Trilspay reserves the right to investigate, restrict, suspend, or terminate accounts involved in suspicious, illegal, or abusive activity.

8. Wallet Services

Where wallet services are available, your Trilspay wallet allows you to hold electronic value for transactions within the Trilspay platform.

You understand and agree that:

• Wallet balances may only be used for supported Trilspay services.
• Wallet funding may be subject to payment provider confirmation.
• Wallet transactions may be subject to limits.
• Wallet access may be restricted for compliance, security, or fraud prevention reasons.
• Trilspay may reverse, hold, or review wallet credits resulting from suspicious, failed, disputed, or unauthorized transactions.
• Wallet balances are not a bank deposit unless expressly stated by a licensed banking partner.

9. Bill Payments and Digital Transactions

Trilspay allows users to pay for services such as airtime, data, electricity, TV subscriptions, betting wallet funding, and other digital products.

By making a transaction, you agree that:

• You are responsible for entering correct details.
• You must confirm customer names, meter numbers, smartcard numbers, phone numbers, package names, and amounts before payment.
• Successful transactions may not be reversible.
• Some transactions may be delayed due to banks, service providers, payment processors, network providers, or technical issues.
• Trilspay is not responsible for losses caused by incorrect details supplied by you.
• Service availability may vary depending on third-party providers.

10. Transaction Status

11. Failed Transactions and Reversals

If a transaction fails but you are debited, Trilspay will review the transaction and may initiate a reversal where applicable.

You understand that reversal timelines may depend on:

• Banks
• Payment gateways
• Bill payment aggregators
• Network providers
• Electricity distribution companies
• Cable TV providers
• Betting providers
• Other third-party service providers

Trilspay will make reasonable efforts to resolve failed transaction issues, but we do not guarantee instant reversal in every case.

12. Charges and Fees

Trilspay may charge fees for certain services.

Fees may apply to:

• Wallet funding
• Bill payments
• Transfers
• Withdrawals
• Service processing
• Convenience charges
• Third-party provider charges
• Failed or reversed transaction processing, where applicable

All applicable fees will be displayed where possible before you confirm a transaction.

Trilspay reserves the right to update its fees at any time. Continued use of the platform after fee changes means you accept the updated charges.

13. Rewards, Cashback, and Promotions

Trilspay may offer rewards, cashback, bonuses, discounts, referral incentives, or promotional benefits from time to time.

You agree that:

• Rewards may be subject to eligibility requirements.
• Rewards may not apply to all transactions.
• Promotions may have start and end dates.
• Rewards may be withdrawn, changed, delayed, or cancelled at Trilspay’s discretion.
• Fraudulent or abusive reward activity may lead to reward cancellation and account restriction.
• Rewards may not always be withdrawable as cash unless specifically stated.

Trilspay reserves the right to review, reverse, or cancel rewards earned through suspicious, fake, duplicate, or abusive activity.

14. User Responsibilities

As a Trilspay user, you are responsible for:

• Keeping your account secure.
• Providing accurate transaction details.
• Reviewing transaction information before confirming payment.
• Reporting unauthorized access quickly.
• Ensuring that your device and email account are secure.
• Using the platform in compliance with these Terms.
• Keeping your contact information updated.
• Maintaining sufficient wallet balance before making transactions.

15. Prohibited Activities

You must not:

• Use Trilspay for illegal transactions.
• Attempt to manipulate transaction records.
• Use fake identities or documents.
• Create multiple accounts to abuse promotions.
• Sell, rent, or transfer your account to another person.
• Use automated bots, scripts, or unauthorized tools.
• Interfere with platform security.
• Perform chargeback fraud.
• Submit false complaints or fake transaction evidence.
• Use Trilspay in a way that damages our reputation or service integrity.

16. Account Suspension or Termination

Trilspay may suspend, restrict, or terminate your account if:

• You violate these Terms of Use.
• You provide false or misleading information.
• Your account is linked to fraud or suspicious activity.
• You fail to complete required verification.
• We receive a lawful request from regulators, banks, or law enforcement.
• Your activity poses a risk to Trilspay, other users, or third-party providers.
• You abuse rewards, promotions, referrals, or transaction systems.

Where possible, Trilspay may notify you of the restriction. However, we may restrict access without prior notice where required for security, compliance, fraud prevention, or legal reasons.

17. Service Availability

Trilspay aims to provide reliable services, but we do not guarantee that the platform will always be available, uninterrupted, error-free, or free from delays.

Services may be affected by:

• Internet connectivity issues
• Server maintenance
• Payment gateway downtime
• Bank network delays
• Service provider downtime
• Electricity or telecom provider issues
• System upgrades
• Security incidents
• Events beyond our control

Trilspay will not be liable for delays, failed transactions, or service interruptions caused by third-party providers or circumstances beyond our reasonable control.

18. Third-Party Service Providers

Trilspay may rely on third-party providers to deliver certain services, including payment processing, bill payments, verification, hosting, messaging, analytics, fraud prevention, and customer support.

You agree that third-party processing may be required to complete your transactions.

Trilspay is not responsible for the independent actions, delays, failures, or policies of third-party service providers, but we will make reasonable efforts to help resolve issues related to services provided through our platform.

19. Intellectual Property

All content, logos, designs, graphics, icons, software, trademarks, text, interfaces, and materials on Trilspay are owned by or licensed to Trilspay.

You may not copy, reproduce, modify, distribute, sell, reverse engineer, or exploit any part of the Trilspay platform without our written permission.

The Trilspay name, logo, brand identity, website design, app interface, and related materials remain the property of Trilspay.

20. Privacy

Your use of Trilspay is also governed by our Privacy Policy.

By using Trilspay, you consent to the collection, processing, storage, and sharing of your information as described in our Privacy Policy.

Please read our Privacy Policy carefully at https://trilspay.com/privacy-policy.

21. Limitation of Liability

To the maximum extent permitted by law, Trilspay shall not be liable for:

• Losses caused by incorrect details entered by you.
• Delays caused by banks, network providers, billers, or third-party processors.
• Unauthorized access caused by your failure to secure your account.
• Loss of profit, revenue, data, business, or goodwill.
• Service downtime or technical errors beyond our control.
• Failed transactions caused by third-party systems.
• Any indirect, incidental, special, or consequential damages.

Our responsibility for any valid claim shall be limited to the amount of the affected transaction, where applicable and confirmed.

22. Indemnity

You agree to indemnify and hold Trilspay, its directors, employees, partners, agents, and service providers harmless from any claims, losses, damages, penalties, costs, or expenses arising from:

• Your use of Trilspay.
• Your violation of these Terms.
• Your breach of applicable laws.
• Your fraudulent or unauthorized activity.
• Your misuse of another person’s information.
• Your submission of false or misleading information.

23. Dispute Resolution

If you have a complaint or dispute, you should first contact Trilspay Support through our official support channels.

We will make reasonable efforts to resolve complaints fairly and promptly.

For transaction-related complaints, you may be required to provide:

• Registered email or phone number
• Transaction reference
• Amount
• Date and time
• Service type
• Payment receipt or screenshot
• Any other information needed to investigate the issue

If the matter cannot be resolved through support, it may be handled according to applicable Nigerian laws and dispute resolution procedures.

24. Changes to These Terms

Trilspay may update these Terms of Use from time to time.

When we make changes, we may update the effective date above. We may also notify users through the website, app, email, or other communication channels where necessary.

Your continued use of Trilspay after updates means you accept the revised Terms.

25. Governing Law

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

Any disputes arising from these Terms or your use of Trilspay shall be subject to the jurisdiction of competent courts in Nigeria.

26. Contact Us

For questions, complaints, or support requests, contact us through: