Please read these Terms & Conditions carefully. These are the General Terms & Conditions governing your access and use of this Vaulta Technologies and Africa Innovations Limited (Vaulta) Website.
This website is owned and operated by Vaulta Technologies and Innovation Africa Limited, a company registered under the companies and allied matters act with its registered office at 5, Idowu Taylor Street, Victoria Island, Lagos, Nigeria (including all subsidiaries, collectively “Vaulta” “Company”, “we”, or “us”). These terms and conditions, along with international remittance and ancillary services (the services) entered into with the Company or its affiliates for different services in the company, together with any documents they expressly incorporate by reference (collectively, these “Terms of Use”), govern your access to and use of the website, including any content, functionality, and services offered on or through the website, whether as a guest or a registered user.
By using the website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, incorporated herein by reference. If you do not agree to these Terms of Use or the Privacy Policy, you are prohibited from using the website.
We may revise and update these Terms of Use from time to time at our sole discretion. All changes are effective immediately when posted and to all access to and use of the website thereafter. Your continued use of the website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page from time to time to be aware of any changes, as they are binding on you.
We reserve the right to withdraw or amend the website, and any service or material we provide on the website, in our sole discretion without notice. We will not be liable if all or any part of the website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the website, or the entire website, to any user, including registered users.
You are responsible for:
To access the website or some of the resources it offers, including, without limitation, payment using credit cards, debit cards, or other forms of electronic payment, you may be asked to provide certain registration details or other information. It is a condition of your use of the website that all the information you provide on the website is correct, current, and complete. You agree that all information you provide to register with this website or otherwise, including through any interactive features on the Website, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.
If you choose, or are provided with, a one-time password (OTP), password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this website or portions of it using your email, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your email or password or any other breach of security. You also agree to ensure that you exit from the website at the end of each session. You should use particular caution when accessing the website from a public or shared computer so that others are not able to view or record your password or other personal information.
You may only have one account with this Website. Use of more than one account will constitute a breach of these Terms of Use.
We have the right to disable any account, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use. To ensure secure online payment and all other transactions of personal data, the Website uses SSL (Secure Socket Layer) technology. SSL encrypts all communications between your device and our server so that the information can only be read and understood by us. A closed lock on your browser window usually indicates a secure connection. For further information, please consult your browser’s security specifications. If your browser is equipped with SSL, your transaction will automatically be secured. The common standard in the internet to signal a secure site is a closed lock at the bottom of the browser. As long as the lock is displayed closed, your information is secure and encrypted to avoid misuse. If you click the secure transaction link and still cannot see the closed lock, it may be that the window is nested in another frame.
The website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection, and arrangement thereof) are owned by Vaulta, its licensors, or other providers of such material and are protected by Nigeria and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
These Terms of Use permit you to use the website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website, except as follows:
You must not:
No right, title, or interest in or to the website or any content on the site is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws.
The Company’s names, brand names, logos, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without prior written permission from the Company. All other names, logos, product and service names, designs, and slogans on this website are the trademarks of their respective owners.
You may use the website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the website:
The information presented on or through the website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the website, or by anyone who may be informed of any of its contents.
Vaulta Technologies and Innovations Africa Limited provides international remittance and ancillary services (the "Services") through this Website. All Services are subject to availability, and we reserve the right to change, update, or discontinue any part of the Services offered on the Website.
The Company reserves the right to periodically update, modify, or enhance the Website to improve functionality, security, performance, and user experience. These updates may include changes to content, features, design, layout, and other elements of the Website ("Updates"). Any of the material on the website may be out of date at any given time, and we are under no obligation to update such material.
The Company reserves the right to temporarily suspend access to the website for maintenance, updates, or improvements. Efforts will be made to minimize any disruption, but Users may experience limited access or service interruptions during such periods.
All information we collect on this website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.
To access certain features or Services on the website, you may need to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information as needed to maintain its accuracy.
All payment using our international remittance services or any other paid services through the website, you agree to pay the applicable fees as set forth on the Website. Payment can be made via authorized payment gateways. Additional terms and conditions may also be added to specific portions, services, or features of the Website. All such additional terms and conditions are hereby incorporated by this reference into these Terms of Use.
Any and all payments made through this Website are subject to these Terms of Use and the service agreement. Consequently, the Company is under no obligation to accept any payments not made in accordance with these Terms of Use or the service Agreement or made following termination of any of them, and you hereby acknowledge and accept that any receipt of payment through this Website or otherwise shall not be deemed or construed as an acceptance of such payment or waiver of right to reject payment at a later date.
Vaulta may impose certain transaction limits, including but not limited to the maximum transaction amounts, frequency, and geographic restrictions. These limits may change from time to time, and you agree to comply with such limits.
Refunds for any payments made through the Website will be handled according to Vaulta’s refund policy. Disputes regarding transactions should be raised with us promptly for resolution.
DESCRIPTION OF SERVICES:
The Website can be used for payment of international money transfers, allowing users to send funds to recipients across various countries. This service enables both individual and business users to transfer money to family, friends, or partners worldwide in a fast, cost-effective manner. The international remittance service offers multiple payment methods, including bank transfers, mobile wallets, and cash pickup options, depending on the recipient’s location and preferences or as required by law and in compliance with the service Agreement.
It is your responsibility to ensure that payment is correctly and timely received by the Company. Accordingly, we accept no liability whatsoever in this respect, and we are under no obligation to notify you of any incorrect, rejected, and/or declined payments. You shall also ensure that sufficient funds are available and, in the event of a “declined” card payment, it is your responsibility to pay any additional fees and/or charges levied by either a nominated financial institution or the Company and you shall remain responsible to pay any due amounts. Without prejudice to the foregoing, you shall notify us immediately in the event of any failed transaction or if you encounter any technical problems associated with the Website or its use.
If any transaction is found to be incorrect, unauthorized, or fraudulent, payment may be reversed and payments shall remain due. Payment transactions will be processed on the day the transaction is submitted for payment. Upon receiving the funds into our bank account, we shall accordingly issue a proper receipt acknowledging the same. All transactions will be processed without delay; however, the Company expressly disclaims any and all liability for processing delays, which may occur in any circumstance. Payment is not accepted (not deemed made) until the funds have been cleared.
Refunds of any payments (if any) made through the Website are subject to the terms and conditions of the service Agreement. Any duplicate or excess payments received will be adjusted against future/subsequent invoices.
It is your responsibility to maintain documents evidencing payment through the Website.
Any service or maintenance requests made through this Website shall be subject to the Service Agreement.
You may link to our Website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. However, you must not establish a link in such a way as to suggest any form of association or endorsement on our part without our express written consent.
This Website may provide certain social media features that enable you to:
You may use these features solely as they are provided by us and solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:
You agree to cooperate with us in causing any unauthorized framing or linking to cease immediately. We reserve the right to withdraw linking permission without notice.
If the website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.
The owner of the Website is based in Nigeria. We make no claims that the Website or any of its content is accessible or website appropriate outside of Nigeria. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside Nigeria, you do so on your own initiative and are responsible for compliance with local laws.
You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data.
WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF- SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.
YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITEWILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.
THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the website, and any use of the website’s content, services, and products other than as expressly authorized in these Terms of Use or your use of any information obtained from the website.
All matters relating to the website and these Terms of Use and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the laws in force in Nigeria without giving effect to any choice or conflict of law provision or rule (whether of Nigeria or any other jurisdiction).
Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the website shall be instituted exclusively in the courts of Nigeria, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your place or country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
Any cause of action or claim you may have arising out of or relating to these terms of use or the website must be commenced within one (1) year after the cause of action accrues, otherwise, such cause of action or claim is permanently barred.
No waiver by the Company of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.
If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.
The Terms of Use, our Privacy Policy, and the Services constitute the sole and entire agreement between you and the Company with respect to the website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the website.
This website is owned by the Company.
In respect of requests for technical support and other communications relating to the Website, you can contact us by using our website contact form, or by emailing us at (hello@usevaulta.com)
For feedback or suggestions, please contact us through the "suggest an idea" form on the website. You understand and accept that by using this website in updating, changing, or altering your personal information, address(es), or contact details, you are accepting that the Company or any of its affiliates may, at their discretion, use such information as an alternative means to send legal notices under these Terms of Use or the services. It is your obligation to immediately inform the Company of any changes to such information.
Seamless global payments and liquidity management designed for
businesses of all sizes—from startups to multinational enterprises. Expand globally with ease.
