Terms of Use
Welcome to 91 Payments. These Terms of Use ("Terms") govern your access to and use of the website https://www.91-payments.com and the services provided by 91 Payments (collectively, the "Services").
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use our Services.
About 91 Payments
91 Payments provides international money transfer and remittance services that enable customers to send funds across borders to designated recipients.
91 Payments operates in compliance with applicable financial regulations and is registered or licensed with the following authorities:
- Central Bank of Nigeria (CBN)
- Financial Crimes Enforcement Network (FinCEN), United States
- Financial Transactions and Reports Analysis Centre of Canada (FINTRAC)
Our Services are subject to the laws and regulations applicable in the jurisdictions where we operate.
Eligibility
To use the Services, you must:
- Be at least 18 years of age
- Have the legal capacity to enter into binding agreements
- Not be located in or a resident of a jurisdiction where our Services are restricted or prohibited
- Provide accurate and truthful information when registering or using our Services
91 Payments reserves the right to refuse or terminate access to the Services if these requirements are not met.
Account Registration
To access certain features of the Services, you may be required to create an account.
When creating an account, you agree to:
- Provide accurate, current, and complete information
- Maintain the confidentiality of your login credentials
- Notify us immediately of any unauthorized use of your account
You are responsible for all activities that occur under your account.
91 Payments may suspend or terminate accounts that contain false information or violate these Terms.
Identity Verification (KYC)
To comply with anti-money laundering (AML) and counter-terrorist financing regulations, we may require identity verification before allowing transactions.
This may include requesting:
- Government-issued identification
- Proof of address
- Biometric or facial verification
- Additional documentation when required
Failure to provide requested information may result in delays, suspension, or cancellation of transactions.
Description of Services
91 Payments enables users to:
- Send international money transfers
- Convert currencies
- Deliver funds to recipients through approved payout channels
Funds may be delivered through methods such as:
- Bank deposits
- Mobile money
- Cash pickup
- Other supported payment channels
Availability of services may vary by country.
Transaction Processing
When you initiate a transfer:
- You authorize 91 Payments to process the transaction
- Exchange rates and applicable fees will be displayed before confirmation
- Transactions may be subject to regulatory review
91 Payments does not guarantee that transfers will always be completed within a specific timeframe.
Delays may occur due to:
- Compliance reviews
- Banking partner processing
- Incorrect recipient details
- Regulatory requirements
Other details are available in the Financial Risk Disclosure document.
Fees and Exchange Rates
Users agree to pay all applicable fees associated with the Services.
Before confirming a transfer, we will disclose:
- Transfer fees
- Exchange rate applied
- Total amount to be received by the recipient
Exchange rates may change without prior notice until the transaction is confirmed.
Prohibited Activities
You agree not to use the Services for:
- Money laundering
- Terrorist financing
- Fraud or financial scams
- Illegal gambling
- Sanctions violations
- Transactions involving prohibited goods or services
91 Payments reserves the right to:
- Refuse or cancel transactions
- Freeze accounts
- Report suspicious activity to regulatory authorities
Sanctions Compliance Statement
91 Payments maintains strict compliance with international economic and trade sanctions regulations.
We screen transactions against sanctions lists issued by international authorities including:
- United Nations sanctions programs
- U.S. sanctions administered by the Office of Foreign Assets Control (OFAC)
- United Kingdom sanctions regimes
- European Union sanctions programs
Customers may not use the Services to send funds to:
- Sanctioned individuals
- Sanctioned organizations
- Restricted jurisdictions
- Entities involved in prohibited activities
Transactions suspected of violating sanctions regulations may be:
- Blocked
- Delayed for compliance review
- Reported to regulatory authorities
Accounts associated with sanctions violations may be suspended or terminated.
Transaction Limits
We may impose limits on:
- Transaction size
- Number of transfers
- Daily or monthly transfer volume
Limits may vary depending on:
- Verification status
- Jurisdiction
- Regulatory requirements
Cancellation and Refunds
You may request cancellation of a transfer only if the funds have not yet been paid out to the recipient.
Refunds may be subject to:
- Processing fees
- Currency exchange differences
- Banking partner policies
Once a transfer has been completed or paid out, it may not be reversible. Refunds are governed by our Refund Policy.
Intellectual Property
All content on the website, including:
- Logos
- Branding
- Text
- Software
- Graphics
is the property of 91 Payments or its licensors and is protected by intellectual property laws. Users may not copy, distribute, or reproduce content without written permission.
Limitation of Liability
To the fullest extent permitted by law, 91 Payments shall not be liable for:
- Indirect or consequential damages
- Loss of profits
- Loss resulting from incorrect recipient information
- Delays caused by banking partners or regulatory processes
Our total liability for any claim related to the Services shall not exceed the amount of the transaction in dispute.
Privacy
Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, and protect personal information.
By using the Services, you consent to the collection and processing of your information as described in our Privacy Policy.
Suspension or Termination
91 Payments may suspend or terminate your access to the Services if:
- You violate these Terms
- We suspect fraudulent or illegal activity
- Required by law or regulatory authorities
We reserve the right to close accounts at our discretion in accordance with applicable laws.
Third-Party Services
Our Services may rely on third-party financial institutions, payment processors, or payout partners. 91 Payments is not responsible for the actions or service disruptions of third-party providers.
Changes to the Terms
We may update these Terms from time to time. Changes will become effective when posted on our website.
Continued use of the Services after updates constitutes acceptance of the revised Terms.
Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of the jurisdiction where 91 Payments is registered, without regard to conflict of law principles.
Contact Information
If you have questions regarding these Terms, please contact:
91 Payments
Website: https://www.91-payments.com
Email: products@91-payments.com