Acceptable Use Policy

INSPIREME PAY ACCEPTABLE USE POLICY This policy applies to every organization, staff member and payer who uses InspireMe Pay. It supports our obligations under Nigerian anti-money-laundering, counter-terrorist-financing and consumer-protection rules. 1. What you must not use the Service for - Fraud or deception, or taking payment for goods or services you do not intend to provide - Money laundering, terrorism financing, or moving the proceeds of crime - Evading sanctions, or transacting for a person or entity subject to sanctions - Unlicensed financial or lending services, including deposit-taking, unlicensed money lending and unlicensed digital lending - Ponzi or pyramid schemes, or unregistered investment solicitation - Unlicensed gambling or betting - Trade in narcotics, arms, human trafficking including forced or child labour, counterfeit goods or stolen property - Adult or sexual content involving minors, or any content that exploits children - Card testing, transaction laundering, chargeback abuse, or deliberately splitting transactions to avoid reporting or monitoring thresholds - Using another person's identity, credentials or bank account, or misrepresenting your organization - Uploading malware, probing or attacking the platform, or scraping data you are not entitled to - Collecting payments for anything prohibited by our licensed partners, Flutterwave and Safe Haven MFB 2. KYC and accurate information You must give accurate, current information about yourself and your organization, complete KYC, and update us when details change, such as ownership, bank account, address or contact details. You must not use the Service to collect payments before your organization has been verified. 3. Monitoring and screening We monitor transactions for unusual or suspicious activity using automated rules and human review. We screen users on onboarding and on an ongoing basis against available sanctions, watchlist and adverse-media sources, and we maintain customer due diligence records. 4. Reporting Where the law requires it, we report to the Nigerian Financial Intelligence Unit (NFIU) and other authorities. This includes Currency Transaction Reports for large cash transactions, currently transactions above N5,000,000 for individuals and N10,000,000 for corporate bodies, and Suspicious Transaction Reports, which we may file for any amount where activity looks suspicious. We do not tell you when a report has been made. 5. Consequences If we find a breach of this policy, we may warn you, suspend collections, hold a pending settlement, require remediation, or terminate your account. We may also report the matter to law enforcement, the Central Bank of Nigeria or our licensed partners, and cooperate with their investigations. 6. Working with us Keep records that support your transactions, respond to our queries within the time we ask, and tell us promptly if you believe your account or a payer account has been used for anything prohibited. Contact us through in-app support or the contact form on our website.