Terms and Conditions for Bills Payment Service

1. Definitions

'Biller' is a person or entity you pay via the Service.

'Billing Account' is your Qash Account set up on the App from which all bill payments will be debited.

'Business Day' is every Monday through Friday, excluding Federal holidays and other days that banks are legally closed.

'Payment Instruction' is the information you provide to the Service to make a bill payment to a Biller (such as, but not limited to, the Biller’s name, User’s phone number, and the payment amount).

'Scheduled Payment' is a payment that has been scheduled as recurring through the Service.

'Scheduled Payment Date' is the day you want your Biller to receive your bill payment.

'Qash Feature' is a dedicated part of the Roqqu app’s interface designed to provide Users with quick, transparent, and hassle-free conversion of their crypto assets into fiat currencies, such as Naira.

'Qash Account' is a digital wallet or sub-account set up by you within the Roqqu App under the Qash Feature. It is denominated in fiat currency (such as Naira) and is funded through the conversion of your crypto assets. All bill payments and transactions carried out via the Qash Feature are debited from, or credited to, your Qash Account.

2. Third-Party Provider

The Services are facilitated and delivered through independent third-party providers. Users acknowledge and agree that Roqqu acts solely as an intermediary to enable access to such third-party services via its Qash feature on the App, and that the actual provision, activation, and performance of the services rest exclusively with the respective third-party providers.

3. Bill Payment Services

The Bill Payment service provides a range of electronic utility and value-added services accessible through the Qash feature on the App:

1. a. Electricity Bills : Users may purchase prepaid electricity tokens or settle postpaid bills from all Distribution Companies (Discos) in Nigeria, including but not limited to AEDC, EKEDC, IBEDC, IKEDC, JED, KAEDCO, KEDCO, and PHED.
2. b. Airtime Top-Up : Users may recharge mobile airtime across networks in Nigeria (e.g., MTN, Airtel, Glo, 9mobile).
3. c. Data Bundles : Users may purchase data subscriptions from all supported networks (MTN, Airtel, Glo, and 9mobile).
4. d. Cable TV Subscriptions : Users may subscribe to, renew, or upgrade cable TV services such as DStv, GOtv, Startimes, Showmax, and other supported providers.
5. e. Betting and Gaming Top-Up : Users may fund accounts with supported betting and gaming platforms, including, but not limited to, Bet9ja, Nairabet, Merrybet, 1XBet, Betway, Naijabet, and others as listed on the platform.

4. Payments and Fees

Payments for Services may be made through User’s Qash account set up on the App. By initiating a transaction, you expressly authorise Roqqu to debit your selected Qash account for the full value of the Services requested. Users acknowledge that once a payment has been transmitted to the designated biller or service provider, it cannot be cancelled, reversed, or refunded by Roqqu, except as expressly provided under applicable law or this Agreement.

Users are not required to pay any fees for enrolling in or using the Service itself. Roqqu reserves the right to introduce charges for the Service or to impose additional fees at our discretion. In such an event, we will provide you with reasonable prior notice, and the introduction of such charges or fees shall constitute an amendment to, and automatic incorporation into, these T&Cs.

5. Recurring Payments

You may elect to schedule recurring payments for certain Services. By enabling this feature, you expressly authorise us to automatically debit your designated payment method for the specified amount at the scheduled intervals until such recurring payment is modified or cancelled by you.

You may cancel or modify a recurring payment at any time by accessing the recurring payment settings in the App provided that such cancellation or modification is effected before the scheduled payment date. Any payments already processed prior to the time of cancellation shall remain valid and binding.

Roqqu shall not be liable for duplicate, erroneous, or failed recurring payments resulting from inaccurate Payment Instructions or insufficient funds in your account. We reserve the right, at our discretion, to suspend or terminate recurring payments in cases of insufficient funds, payment method failure, suspected fraudulent activity, regulatory requirements, or operational considerations.

6. Transaction Processing

We act solely as a payment facilitator between you and the relevant service providers, and while a successful payment confirms that your transaction has been processed and acknowledged by the applicable provider, it does not guarantee uninterrupted or error-free service delivery. We shall not be responsible for any delays, downtimes, or failures attributable to third-party providers, including telecommunications operators, utility companies, cable television networks, betting platforms, or payment processors, and all transactions shall be deemed completed once payment is confirmed and acknowledged by the relevant provider.

7. Transaction Limits

You acknowledge and agree that your access to and use of the Services shall be subject to daily, weekly, monthly, and/or per-transaction limits (“Transaction Limits”) as may be prescribed by Roqqu, applicable law, or regulatory authorities.

Roqqu may determine Transaction Limits based on factors including but not limited to:

1. a. risk assessments carried out under Roqqu’s AML/CFT framework;
2. b. transaction type (e.g., airtime, betting);
3. c. prevailing regulatory requirements; and
4. d. other internal risk management considerations.

Roqqu reserves the right, at its sole discretion and without prior notice, to:

1. a. increase, reduce, or impose new Transaction Limits;
2. b. suspend or restrict transactions exceeding set limits; or
3. c. request additional identity, source-of-funds, or compliance documentation as a condition for adjusting your Transaction Limits.

Any transaction attempted in excess of applicable Transaction Limits may be automatically declined, delayed, or flagged for review. Where such a transaction is processed in error, Roqqu reserves the right to recover the excess amount in accordance with the Duty to Report and Recovery of Erroneous, Unauthorised, or Fraudulent Transactions Clause.

You agree that adherence to Transaction Limits is necessary for compliance with applicable law, prevention of fraud and money laundering, and the security of the Platform. Your continued use of the Services constitutes your acceptance of any applicable Transaction Limits as updated from time to time.

8. Betting & Gaming Payments

Payments to betting and gaming platforms through the Services are strictly limited to operators that are duly licensed and regulated within your jurisdiction and expressly listed by the Services. By initiating such payments, you represent and warrant that you are of legal gambling age, that betting or gaming is lawful in your jurisdiction, and that you are acting in compliance with all applicable laws and regulations.

Roqqu is not a betting or gaming operator and bears no responsibility or liability for your gambling activities, strategies, winnings, or losses. Our role is limited solely to facilitating payments to the relevant licensed operator listed by the Services. and once payment has been transmitted and acknowledged by such operator, our responsibility in respect of that transaction is deemed fully discharged.

We reserve the right, at our sole discretion, to impose limits on the value, frequency, or volume of payments that may be made to betting or gaming platforms through the Service, whether for regulatory, security, risk management, or operational reasons. Such limits may be applied with or without prior notice, and any attempt to circumvent them may result in suspension or termination of your access to the Services.

9. User Responsibilities

You are solely responsible for ensuring the accuracy and completeness of all information provided when using the Services, including but not limited to biller name, meter numbers, customer IDs, phone numbers, payment details, and any other identifiers required to complete a transaction. Roqqu shall not be liable for any loss, delay, or failed transaction resulting from the submission of incorrect, incomplete, or inaccurate information by you.

By providing the Service with the names, identifiers, and information of billers or service providers you wish to pay, you expressly authorise Roqqu through its Third Party Provider to act on your behalf in transmitting and processing the payment instructions you enter. You acknowledge and agree that the Service is entitled to rely fully on the accuracy and completeness of the Payment Instructions provided by you and to remit payments accordingly.

You are further responsible for maintaining adequate security of your devices, login credentials, and payment instruments, and for taking all reasonable precautions to prevent unauthorized access to your account. Any transaction initiated using your registered account, login details, or authorised payment method shall be deemed to have been authorised by you, and you shall be fully liable for such transactions.

By initiating payments to betting or gaming platforms, you represent and warrant that you are of legal gambling age, that betting or gaming is lawful in your jurisdiction, and that you have verified the licensing status of the operator. You are solely responsible for ensuring compliance with all applicable laws and regulations. Roqqu is not a betting or gaming operator and bears no responsibility or liability for your gambling activities, strategies, winnings, or losses.

You agree to use the Services only for lawful purposes and in compliance with all applicable laws and regulations. You shall not use the Services in connection with any fraudulent, unlawful, or prohibited activity, and Roqqu reserves the right to suspend or terminate access to the Services if misuse is suspected.

10. Service Availability & Maintenance

Roqqu provides the Services on an “as is” and “as available” basis and makes no warranties, express or implied, regarding uninterrupted access or performance. Services may be temporarily suspended or restricted at any time for maintenance, security, or operational reasons without prior notice. In addition, service delivery is dependent on third-party providers, and we shall not be liable for any downtime, interruption, or failure arising from circumstances outside our reasonable control.

Without limiting the generality of the foregoing, the Service shall incur no liability, and any service guarantee shall be void, if a payment cannot be completed or a Service cannot be delivered as a result of any one or more of the following circumstances:

1. a. Your payment account is closed, blocked, or does not contain sufficient funds to complete the transaction.
2. b. The relevant biller, utility, or service provider rejects, returns, mishandles, or delays the payment for any reason beyond our control;
3. c. Your equipment, device, software, or communications link is not working properly at the time of the transaction;
4. d. The payment processing center or relevant network is not working properly and you were aware, or reasonably should have been aware, of the malfunction before initiating the transaction;
5. e. You fail to provide accurate and complete information, including but not limited to biller name, meter numbers, phone numbers, customer IDs, or billing details;
6. f. Circumstances beyond our reasonable control, including but not limited to force majeure events such as fire, flood, natural disaster, civil unrest, strikes, governmental actions, or interference from an external force, prevent the proper execution of the transaction notwithstanding that reasonable precautions have been taken.

For the avoidance of doubt, in all such cases payments shall be deemed fulfilled once they have been successfully transmitted to and acknowledged by the relevant third-party service provider.

11. Limitation Of Liability

To the maximum extent permitted by applicable law, Roqqu shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of revenue, loss of data, loss of business opportunities, or reputational harm, arising out of or in connection with your use of the Services, whether based in contract, tort, negligence, strict liability, or otherwise, even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for any claim directly arising from the provision of the Services shall in no event exceed the total amount of fees actually paid by you for the specific transaction giving rise to the claim, or, if no fees are charged, a nominal amount as permitted by applicable law.

You acknowledge and agree that service delivery rests exclusively with the relevant third-party providers (including but not limited to telecommunications operators, utility companies, cable television networks, betting platforms, and payment processors), and we shall not be responsible or liable for any delays, errors, downtimes, interruptions, failures, or losses caused by the acts, omissions, or systems of such third-party providers. For the avoidance of doubt, once a payment has been successfully transmitted to and acknowledged by the relevant third-party provider, our responsibility in respect of that transaction shall be deemed fully discharged.

12. Anti-Money Laundering & Counter-Terrorist Financing (AML/CFT) Compliance

Roqqu is committed to full compliance with all applicable Anti-Money Laundering (AML) and Counter-Terrorist Financing (CFT) laws and regulations, including the Money Laundering (Prevention and Prohibition) Act, 2022; the Central Bank of Nigeria (CBN) AML/CFT Regulations; the Securities and Exchange Commission (SEC) Rules; and international standards under the Financial Action Task Force (FATF) framework. We also adhere to sanctions screening requirements, including lists issued by the Nigeria Sanctions Committee, the United Nations, and other relevant authorities.

By using the Services, you agree to provide accurate, current, and complete information for identity verification and ongoing monitoring, as required under applicable Know Your Customer (KYC) regulations. This includes, but is not limited to, your full name, residential address, government-issued identification (e.g., NIN, passport, driver’s license), proof of address (e.g., utility bill), source of funds, and any additional documents or information reasonably requested by Roqqu. Failure to provide such information, or providing false, misleading, or incomplete information, may result in refusal, suspension, or termination of access to the Services.

You acknowledge that all transactions conducted through the Services, including those involving your Qash Account, are subject to monitoring, review, and reporting to ensure AML/CFT/CPF compliance. Roqqu, at its sole discretion and based on reasonable suspicion, may:

1. a. Delay, suspend, block, or refuse any transaction pending further review.
2. b. Freeze or restrict access to your Qash Account if suspicious activity is detected (e.g., high-frequency transfers, inconsistent source of funds, or potential sanctions violations).
3. c. Report suspicious or unusual transactions to the Nigerian Financial Intelligence Unit (NFIU), CBN, SEC, or other relevant authorities, without notifying you, as required by law to comply with anti-tipping-off provisions under the Money Laundering (Prevention and Prohibition) Act, 2022.

You agree not to use the Services to engage in or facilitate any fraudulent, illegal, or high-risk activities, including but not limited to money laundering, terrorist financing, proliferation financing, sanctions evasion, bribery, corruption, fraud, or the purchase or sale of unlawful goods or services.

Roqqu shall not be liable to you or any third party for any loss, damage, delay, or inconvenience arising from actions taken in good faith to comply with AML/CFT/CPF obligations, including suspension, restriction, or termination of Services. If your Qash Account is restricted or frozen, you may contact our in-app support channel for clarification, subject to legal and regulatory restrictions.

13. Duty to Report, Recovery of Erroneous, Unauthorized, or Fraudulent Transactions in Bills Payment Service

You acknowledge that your Qash Account, used for the Services (e.g., airtime, utilities, cable TV, betting), may be credited with fiat funds in error due to system glitches, operational or reconciliation errors, duplicate processing, third-party system failures, erroneous transfers, chargebacks, security breaches, or fraudulent activities (collectively, “Erroneous Credits”).

You acknowledge that you have an obligation and hereby agree to promptly notify Roqqu of Erroneous Credits into your Qash Account. You must not use, withdraw, transfer, convert or otherwise deal with Erroneous Credits like your property. Any use of Erroneous Credits which you knew or reasonably ought to have known did not belong to you may constitute a criminal offence, and Roqqu reserves the right in its sole and absolute discretion to recover Erroneous Credits, including legal action and reporting to law enforcement agents.

All Erroneous Credits, including any proceeds or derived transactions (e.g., bill payments to airtime providers, Discos, cable TV, or betting platforms), remain the property of Roqqu and/or the rightful owner and are subject to immediate recovery. You expressly authorise Roqqu, without further notice unless required by law, to:

1. a. Debit, reverse, or adjust your Qash Account to recover the exact amount or value of Erroneous Credits.
2. b. Recover from any other funds or balances in your Qash Account.
3. c. Record any shortfall as a debt owed to Roqqu, resulting in a negative balance until repaid.
4. d. Reverse, recall, or cancel bill payment transactions processed via the Qash Feature (e.g., payments to MTN, AEDC, DStv, Bet9ja) where Erroneous Credits or fraudulent funds were used, coordinating with Billers or third-party providers as necessary.

Valuation of Recovery

1. a. Erroneous Credits still sitting in your Qash Account shall be recovered at their original credited value at the time of the error.
2. b. Erroneous Credits whether in the form of converted digital assets or fiat, used, converted, transferred, or applied to bill payments (e.g., airtime top-ups, electricity tokens, and betting funds) shall be recovered at the prevailing market value at the time of recovery, based on reputable sources (e.g., CBN rates for fiat and financial screeners and data aggregators, such as CoinMarketCap, for Digital Assets), as determined by Roqqu in good faith. Roqqu’s determination shall be final.

User Obligations

You agree to:

1. a. Notify Roqqu promptly of Erroneous Credits or unusual activity in your Qash Account within 48 hours of discovery, especially if used for bill payments.
2. b. Refrain from withdrawing, converting, or using Erroneous Credits for bill payments (e.g., airtime, utilities, cable TV subscriptions, betting top-ups) if you know or reasonably should know they were credited in error.
3. c. Cooperate fully with Roqqu’s recovery efforts, including providing documents or authorisations to reverse bill payments or return Erroneous Credits to Roqqu or the relevant Biller.
4. d. Acknowledge that using Erroneous Credits or fraudulent funds for bill payments through the Qash Feature constitutes misuse and may amount to money laundering or fraud, subject to applicable AML/CFT and CPF laws and regulations.

Failure to return or permit recovery of Erroneous Credits, including those used for bill payments, may result in:

1. a. Immediate suspension or termination of your Qash Account, restricting access to the Service.
2. b. Reversal or cancellation of bill payments funded by Erroneous Credits (e.g., airtime, electricity tokens, cable TV subscriptions, and betting funds), which may lead to service disruptions (e.g., electricity disconnection and betting account freezes).
3. c. Referral to the applicable law enforcement or regulators for investigation of potential fraud or money laundering, without notification due to anti-tipping-off laws.
4. d. Legal action to recover outstanding amounts, plus reasonable costs, interest, and damages as permitted by law.

Roqqu, as an intermediary for the Bills Payment Service, shall not be liable for losses or damages from Erroneous Credits caused by third-party system failures (e.g., telecoms, Discos, cable TV providers, betting platforms, or payment processors). Roqqu’s responsibility is limited to recovering Erroneous Credits, reversing fraudulent or erroneous bill payments, and restoring your Qash Account’s integrity. For service disruptions due to reversed bill payments (e.g., loss of electricity, cable TV, or betting access), you must contact the relevant Biller directly for resolution.

By using the Service via the Qash Feature, you agree to be bound by this clause and understand that compliance with recovery measures is essential for maintaining the fairness, transparency, and security of the Platform and ensuring compliance with applicable AML/CFT laws.

14. Data Protection

Your use of the Service involves the collection, processing, and sharing of personal data with third-party providers to facilitate transactions. All data handling is conducted in accordance with Roqqu’s Privacy Policy and applicable data protection laws, including the Nigeria Data Protection Regulation (NDPR).

15. Amendments and Notices

We may amend these T&Cs at any time by publishing the revised version on our website or notifying you through your registered email or App. Continued use of the Service constitutes acceptance of the updated terms.

16. Acceptance

By opting to use the Service, you acknowledge that you have read, understood, and agreed to be bound by these T&Cs and the Roqqu T&Cs. For enquiries, you can reach us via our dedicated in-app support channel.