Terms of Service

1. Acceptance of Terms

By accessing or using Mabro ("the Platform," "we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Platform.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Mabro. You represent that you are at least 18 years old and have the legal capacity to enter into these Terms.

2. Definitions

"Platform" refers to the Mabro mobile application and website collectively.
"User" means any individual who registers an account on the Platform.
"Wallet" refers to the virtual wallet maintained within the Platform for storing funds.
"Virtual Account" refers to the bank account number assigned to each user for wallet funding.
"KYC" means Know Your Customer verification as required by Nigerian financial regulations.
"Service" means any financial service provided through the Platform, including but not limited to airtime-to-cash conversion, bill payments, data purchases, and wallet services.

3. Account Registration and Eligibility

To use the Platform, you must register an account by providing accurate and complete information. You agree to:

• Provide a valid Nigerian phone number and email address
• Complete KYC verification (BVN and/or NIN) as required
• Create a secure 6-digit transaction PIN
• Keep your account credentials confidential
• Notify us immediately of any unauthorized use of your account

You are responsible for all activities that occur under your account. Mabro reserves the right to suspend or terminate accounts that provide false information or violate these Terms.

4. KYC Verification and Tier System

Mabro operates a tiered KYC system in compliance with CBN regulations:

Tier 0 (Pending): Newly registered users. No transactions permitted until BVN verification is completed.

Tier 1 (BVN Verified): Users who have completed BVN verification. Full access to A2C, airtime, data, bill payments, and wallet services. Daily transaction limits apply.

Tier 2 (NIN Verified): Users who have completed NIN verification. Higher transaction limits and additional features.

Tier 3 (Address Verified): Users who have completed address verification. Maximum transaction limits.

You agree to provide accurate KYC information. Providing false or fraudulent information is a violation of these Terms and may result in account termination and legal action.

5. Wallet and Virtual Account

Upon completing BVN verification, a wallet is created for your account and a permanent virtual account number is assigned. Key terms:

• The virtual account is provided by Rubies Bank and is used solely for funding your Mabro wallet
• Funds in your wallet are held in designated accounts and reflected as your wallet balance
• You may withdraw funds to your personal Nigerian bank account
• Wallet balances do not earn interest

6. Transaction PIN

All transactions on the Platform require a 6-digit PIN for authorization. You agree to:

• Choose a PIN that is not easily guessable
• Never share your PIN with anyone, including Mabro staff
• Change your PIN immediately if you suspect it has been compromised

Mabro will never ask for your PIN. Any transaction authorized with your PIN is considered valid and initiated by you.

7. Fees and Charges

Mabro charges fees for certain Services. These fees are:

• Displayed before you confirm each transaction
• Subject to change with notice to users
• Non-refundable once a transaction is processed

Airtime-to-cash conversions are subject to a conversion rate displayed at the time of transaction. Rates vary by network and market conditions.

8. Service Availability

While we strive for 100% uptime, we do not guarantee uninterrupted access to the Platform. We may suspend access for maintenance, upgrades, or circumstances beyond our control. We will make reasonable efforts to notify users in advance of planned downtime.

9. Prohibited Activities

You agree not to:

• Use the Platform for any illegal purpose or in violation of any Nigerian law or regulation
• Attempt to manipulate, defraud, or exploit the Platform or its users
• Use stolen airtime, stolen cards, or fraudulently obtained funds
• Create multiple accounts or use another person's account
• Reverse-engineer, decompile, or tamper with the Platform's software
• Engage in any activity that disrupts or interferes with the Platform's operations
• Use the Platform for money laundering or terrorist financing

10. Limitation of Liability

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

• Indirect, incidental, or consequential damages arising from your use of the Platform
• Loss of profits, data, or business opportunities
• Service interruptions caused by third-party providers (VTPass, Rubies Bank, etc.)
• Unauthorized access to your account due to your negligence

Our total liability to you for any claim arising from these Terms shall not exceed the total fees you have paid to us in the 12 months preceding the claim.

11. Termination

We may suspend or terminate your account at any time for violation of these Terms or for any other reason with notice. Upon termination:

• You must withdraw any remaining wallet balance within 30 days
• Your access to the Platform will cease
• We will retain your data as required by law

You may terminate your account at any time by contacting support. Any pending transactions must be completed before termination.

12. Dispute Resolution

If you have a complaint or dispute:

• Contact our support team at support@mabro.ng — we will respond within 24 hours
• If the dispute cannot be resolved informally, it will be referred to mediation in Lagos, Nigeria
• Any legal action shall be brought in the courts of Lagos, Nigeria

These Terms are governed by the laws of the Federal Republic of Nigeria.

13. Intellectual Property

All trademarks, logos, service marks, and trade names displayed on the Platform are the property of Mabro or their respective owners. You may not use, reproduce, or distribute any intellectual property without our prior written consent.

14. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes via email or in-app notification. Continued use of the Platform after changes constitutes acceptance of the updated Terms. If you do not agree with the changes, you may terminate your account.

15. Contact Information

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