1. Acceptance of Terms
By downloading, registering for, or using WazzoPay's services, you agree to these Terms & Conditions. WazzoPay is operated by WazzoPay Ltd., a company licensed by the Bank of Sierra Leone. If you do not agree, you must not use our services.
2. Eligibility & Registration
To use WazzoPay you must:
- Be at least 18 years of age
- Be a resident of Sierra Leone
- Provide accurate identity information for KYC verification
- Maintain only one personal account per phone number
3. User Responsibilities
You are responsible for:
- Safeguarding your login credentials, PIN, and device
- All transactions initiated from your account
- Reporting unauthorized access immediately
- Ensuring sufficient wallet balance before initiating payments
- Using the service only for lawful purposes
4. Fees & Charges
Applicable fees are displayed before you confirm any transaction. WazzoPay reserves the right to modify fee schedules with 14 days' notice via the app. Person-to-person transfers between WazzoPay users may be free; agent, bill payment, and business service fees apply as published in the fee schedule.
5. Account Suspension & Termination
WazzoPay may suspend or terminate your account if you violate these terms, engage in fraudulent activity, fail KYC/AML checks, or if required by law or the Bank of Sierra Leone. Upon termination, remaining lawful balances will be returned subject to regulatory holds and outstanding obligations.
6. Limitation of Liability
To the maximum extent permitted by Sierra Leonean law, WazzoPay shall not be liable for indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability for any claim shall not exceed the fees paid by you in the 12 months preceding the claim, except where prohibited by law.
7. Dispute Resolution
Transaction disputes must be reported within 30 days via the app or Help Center. We aim to resolve disputes within 48 business hours. Unresolved disputes may be escalated to the Bank of Sierra Leone's consumer protection unit.
8. Governing Law
These Terms are governed by the laws of Sierra Leone. Any disputes shall be subject to the exclusive jurisdiction of the courts of Freetown, Sierra Leone. For questions contact legal@wazzopay.com or visit our Help Center.