OYAFI TERMS OF SERVICE
Effective Date: September 10, 2026
Last Updated: September 10, 2026
Welcome to Oyafi.
These Terms of Service (“Terms”, “Terms of Service” or “Agreement”) govern your access to and use of the Oyafi website, mobile interfaces, applications, digital services, wallet services, customer support channels, and related products and services (collectively, the “Platform”).
Oyafi is a digital services platform that enables users to access services including airtime purchases, data subscriptions, bill payments, rewards, promotions and other services made available through the Platform.
By creating an account, accessing the Platform, funding your wallet, purchasing a service, or otherwise using Oyafi, you agree to be legally bound by these Terms.
If you do not agree with these Terms, you must not use the Platform.
1. DEFINITIONS
For purposes of these Terms:
“Oyafi,” “we,” “us,” or “our” means the operator of the Oyafi Platform.
“User,” “you,” or “your” means any person who accesses, registers for, or uses the Platform.
“Account” means your registered Oyafi user account.
“Wallet” means the digital balance associated with your Oyafi Account that may be used to pay for eligible services on the Platform.
“Services” means the digital services made available through Oyafi, including airtime, mobile data, bill payments, subscriptions, and other services introduced from time to time.
“Transaction” means any purchase, payment, wallet funding, withdrawal, adjustment, refund, reward redemption, or other financial activity conducted through your Account.
“Provider” means a telecommunications operator, biller, payment processor, aggregator, technology provider, or other third party whose infrastructure is used to provide or process a Service.
“Transaction PIN” means the security PIN used to authorize eligible wallet transactions.
“Content” means text, graphics, images, logos, software, information, interfaces, documentation, and other material displayed or made available through the Platform.
2. ACCEPTANCE OF THESE TERMS
By using Oyafi, you confirm that:
1. You have read and understood these Terms.
2. You agree to comply with these Terms and all applicable laws and regulations.
3. The information you provide to Oyafi is accurate and complete.
4. You are responsible for activities performed through your Account.
5. You will not use Oyafi for fraudulent, unlawful, abusive, or unauthorized purposes.
If you are using Oyafi on behalf of another person or organization, you confirm that you have authority to bind that person or organization to these Terms.
3. ELIGIBILITY
You must provide accurate information when registering for an Oyafi Account.
Oyafi may restrict or refuse registration where:
* information provided is inaccurate or misleading;
* the Account appears to be created for fraudulent purposes;
* the registration violates applicable law;
* the requested username is reserved or unavailable; or
* Oyafi reasonably determines that registration presents a security or operational risk.
You are responsible for maintaining accurate account information.
4. CREATING AND MAINTAINING YOUR ACCOUNT
Some Oyafi Services require registration.
When creating an Account, you may be required to provide information such as:
* your name;
* email address;
* telephone number;
* username;
* password;
* transaction PIN; and
* other information reasonably required to operate and secure your Account.
You agree that the information supplied to Oyafi must be truthful, current and complete.
You must promptly update information that becomes inaccurate.
4.1 Account Security
You are responsible for protecting:
* your password;
* Transaction PIN;
* email account;
* authentication credentials;
* trusted devices; and
* other security credentials associated with your Account.
You must not share your password or Transaction PIN with another person.
Oyafi staff will not normally require you to disclose your password or Transaction PIN.
If you believe that your Account, password, Transaction PIN, device, or other security credentials have been compromised, you must notify Oyafi promptly.
Oyafi may temporarily restrict Account activity where necessary to protect you, other users, or the Platform.
5. USERNAMES
Oyafi usernames are subject to availability and Platform rules.
Usernames may be restricted, reserved, or permanently unavailable where they:
* impersonate another person or organization;
* contain prohibited or abusive content;
* create security or moderation concerns;
* violate another person's rights; or
* have been reserved by Oyafi.
Oyafi may refuse, modify, restrict, or remove a username where reasonably necessary.
A username that has been permanently reserved or restricted may not become available again.
6. OYAFI WALLET
Oyafi may provide eligible users with a digital wallet for purchasing supported Services.
Your Wallet balance may be used only for purposes supported by the Platform.
Wallet balances are not:
* bank deposits;
* savings accounts;
* investment products;
* interest-bearing accounts; or
* a substitute for a regulated bank account.
Oyafi does not promise that Wallet balances will earn interest.
Oyafi may establish transaction limits, funding limits, spending limits, verification requirements, or other restrictions for security, regulatory, operational, or risk-management reasons.
7. WALLET FUNDING
Users may fund their Wallet through payment methods supported by Oyafi.
Oyafi may use third-party payment processors, including Paystack, to process Wallet funding.
A payment may be subject to:
* payment processor verification;
* bank or card authorization;
* fraud screening;
* network delays;
* technical failures; or
* other third-party processing conditions.
A Wallet should only be treated as successfully funded when Oyafi records the relevant transaction as successful.
If your payment provider shows a successful charge but your Oyafi Wallet is not credited, you should contact Oyafi Support and provide the relevant transaction information.
Oyafi may investigate disputed or suspicious funding transactions before making a final adjustment to the Wallet.
8. DIGITAL SERVICES
Oyafi may offer Services including, but not limited to:
* airtime purchases;
* mobile data subscriptions;
* electricity or utility payments;
* television subscriptions;
* internet or broadband services;
* vouchers;
* digital subscriptions;
* other bill payments; and
* additional digital services introduced in the future.
Availability may vary by location, provider, network, product, and time.
Oyafi may add, remove, modify, suspend, or discontinue Services without guaranteeing permanent availability of any particular Service.
9. SERVICE PROVIDERS AND THIRD-PARTY INFRASTRUCTURE
Oyafi may rely on third-party providers and infrastructure to deliver or process Services.
This may include telecommunications operators, billers, payment processors, aggregators, banks, financial institutions, hosting providers, messaging providers, and other technology providers.
For certain VTU and digital services, Oyafi may use third-party service infrastructure, including service aggregators such as Subarena.
When you purchase a Service, Oyafi may transmit the information necessary to process that Transaction to the relevant Provider.
Oyafi does not control the internal systems, network availability, maintenance schedules, processing times, or policies of independent third-party Providers.
Accordingly, a Service may occasionally be delayed, unavailable, reversed, rejected, or otherwise affected by circumstances outside Oyafi's reasonable control.
10. SERVICE PRICES
Prices displayed on Oyafi may change from time to time.
The applicable price displayed to you at the time of purchase will generally apply to that Transaction, subject to correction of obvious pricing or technical errors.
Oyafi may:
* change prices;
* introduce promotional prices;
* discontinue products;
* introduce new products;
* correct pricing errors; or
* restrict promotional pricing.
Third-party Provider costs, taxes, network charges, or other applicable charges may affect the final price of certain Services.
11. TRANSACTIONS
Before completing a Transaction, you are responsible for confirming that the information entered is correct.
Depending on the Service, this may include:
* phone number;
* network;
* data plan;
* electricity meter number;
* customer number;
* account number;
* subscription identifier;
* amount; or
* other recipient or beneficiary information.
Once a Transaction has been submitted to a Provider, it may not always be possible to cancel, reverse, or modify it.
Oyafi is not responsible for losses caused by incorrect information supplied by a User.
12. TRANSACTION STATUS
A Transaction may have different processing stages, including:
* pending;
* processing;
* successful;
* failed;
* reversed;
* refunded; or
* cancelled.
A Transaction marked as pending does not necessarily mean that it has failed.
Oyafi may need to wait for confirmation from a Provider before determining the final status of a Transaction.
Users must not repeatedly submit the same Transaction merely because the first Transaction is pending.
Where necessary, Oyafi may automatically retry eligible Transactions or investigate them before determining the final outcome.
13. TRANSACTION PIN
Oyafi may require a Transaction PIN before certain Wallet transactions can be completed.
You are responsible for keeping your Transaction PIN confidential.
You must not:
* share it with another person;
* store it publicly;
* use an easily guessable PIN; or
* permit another person to use your Account to authorize transactions.
For security purposes, Oyafi may temporarily or permanently restrict Transaction PIN usage after repeated failed attempts.
Where an Account is subject to a security lock, Oyafi may require additional verification before restoring transaction functionality.
Oyafi may provide a formal PIN-unlock or account-review process where applicable.
14. UNAUTHORIZED TRANSACTIONS
You must notify Oyafi as soon as reasonably possible if you believe that:
* a Transaction was not authorized by you;
* your Account was compromised;
* your Transaction PIN was exposed;
* your password was compromised; or
* your Wallet balance has been affected by suspicious activity.
Oyafi may investigate suspected unauthorized Transactions.
You may be asked to provide information reasonably necessary to investigate the matter.
Oyafi is not responsible for unauthorized activity resulting from your intentional or negligent disclosure of credentials, failure to secure your Account, or use of an unsafe device.
15. REFUNDS AND REVERSALS
Refunds and reversals depend on the nature and status of the Transaction.
Where a Service has failed and the relevant Provider confirms that no Service was delivered, Oyafi may, where appropriate:
* automatically reverse the Transaction;
* refund the amount to your Oyafi Wallet;
* initiate a Provider-level reversal; or
* request additional information before processing a refund.
Certain Services may not be refundable once successfully delivered.
For example, an airtime or data subscription that has been successfully delivered to the specified number may generally not be refundable merely because the User entered the wrong number or changed their mind.
Where a Provider independently controls the reversal process, Oyafi may need to wait for confirmation from that Provider.
Refunds may therefore take longer than ordinary successful Transactions.
Oyafi will not intentionally retain funds relating to a confirmed failed Transaction where a refund or reversal is properly due, subject to applicable law and the terms of the relevant Provider.
16. INCORRECT RECIPIENT INFORMATION
You are solely responsible for checking recipient information before completing a Transaction.
If you purchase airtime or data for the wrong telephone number, enter an incorrect customer identifier, or provide another incorrect recipient detail, Oyafi may not be able to recover the funds.
Oyafi may assist with reasonable recovery efforts where technically and operationally possible, but recovery is not guaranteed.
17. COUPONS AND PROMOTIONS
Oyafi may provide coupons, discounts, promotional credits, rewards, or special offers.
Promotional benefits may have:
* eligibility requirements;
* expiration dates;
* minimum purchase requirements;
* specific Service restrictions;
* redemption limits; or
* other conditions.
Unless expressly stated otherwise, promotional benefits have no cash value and cannot be exchanged for cash.
Oyafi may cancel or withdraw a promotional benefit where it reasonably believes that the benefit was obtained through:
* fraud;
* abuse;
* multiple unauthorized Accounts;
* technical exploitation;
* manipulation of promotional rules; or
* violation of these Terms.
Promotional benefits may not be combined unless Oyafi expressly permits such combination.
18. WELCOME OFFERS
Oyafi may offer new users promotional benefits such as welcome coupons.
A welcome coupon may be limited to eligible Services and may have an expiration period.
For example, where Oyafi offers a promotional discount on data purchases, the discount may only apply to eligible data purchases and may not be applied to Wallet funding, airtime, bill payments, or other Services unless expressly stated.
The exact conditions displayed with the promotion will apply.
19. REFERRAL PROGRAM
Oyafi may operate a referral program allowing Users to invite other people to the Platform.
Referral rewards are subject to the applicable referral campaign rules.
A referral reward may become available only after the invited User completes specified qualifying activities.
For example, Oyafi may require an invited User to:
1. create a valid Account;
2. satisfy applicable eligibility requirements;
3. redeem a qualifying welcome offer; and/or
4. complete a qualifying purchase.
Referral rewards may be issued as coupons or other promotional benefits rather than cash.
Users must not abuse the referral program by creating fake Accounts, referring themselves through unauthorized Accounts, using automated systems, manipulating promotional conditions, or otherwise attempting to obtain rewards dishonestly.
Oyafi may cancel referral rewards associated with fraudulent or abusive activity.
20. LOYALTY PROGRAM
Oyafi may operate a loyalty program under which Users can progress through different loyalty levels based on qualifying activity.
Loyalty benefits, thresholds, rewards, and eligibility requirements may change.
Oyafi may introduce benefits such as:
* discounts;
* coupons;
* special promotions;
* birthday rewards;
* priority support; or
* other benefits.
Unless otherwise stated, loyalty benefits are promotional benefits and do not constitute cash or guaranteed monetary value.
Oyafi may suspend or remove loyalty benefits obtained through fraud, abuse, or violation of these Terms.
21. BENEFICIARIES AND SAVED INFORMATION
Oyafi may allow Users to save frequently used recipients, beneficiaries, or service information.
You remain responsible for checking saved information before completing a Transaction.
Saving a beneficiary does not guarantee that the information remains correct.
Oyafi is not responsible for Transactions made to an incorrect saved beneficiary where the User authorized the Transaction.
22. FEES
Oyafi may charge fees for certain Services, Transactions, withdrawals, or other Platform activities.
Where applicable, fees will be disclosed before or during the relevant Transaction.
Oyafi may change applicable fees in accordance with these Terms.
Certain fees may be imposed by third-party Providers rather than Oyafi.
23. PROHIBITED ACTIVITIES
You must not use Oyafi to:
1. commit fraud;
2. launder money or facilitate financial crime;
3. impersonate another person;
4. create Accounts using false information;
5. exploit promotional campaigns;
6. interfere with Platform security;
7. attempt unauthorized access to another Account;
8. reverse engineer or unlawfully copy Platform software;
9. introduce malware or malicious code;
10. use automated systems to abuse the Platform;
11. conduct transactions on behalf of another person without authorization;
12. use Oyafi for unlawful activities;
13. manipulate Transaction records;
14. exploit technical errors for financial gain;
15. use stolen payment credentials;
16. interfere with third-party Providers; or
17. engage in any activity that may harm Oyafi, its Users, Providers, or infrastructure.
Oyafi may investigate suspected violations and take appropriate action.
24. FRAUD, SECURITY AND RISK CONTROLS
Oyafi may use automated and manual systems to detect suspicious activity.
These systems may consider factors such as:
* unusual transaction patterns;
* repeated failed authentication attempts;
* unusual Account activity;
* promotional abuse;
* suspicious payment activity;
* device or session information;
* transaction history; and
* other security indicators.
Where reasonably necessary, Oyafi may:
* delay a Transaction;
* request additional verification;
* restrict Account functionality;
* lock transaction functionality;
* cancel suspicious Transactions;
* reverse fraudulent credits; or
* suspend or terminate an Account.
These measures are intended to protect Users and the Platform.
25. ACCOUNT SUSPENSION AND TERMINATION
Oyafi may suspend, restrict, or terminate an Account where reasonably necessary, including where:
* these Terms have been violated;
* fraudulent activity is suspected;
* unlawful activity is suspected;
* Account security has been compromised;
* payment activity is disputed or suspicious;
* promotional abuse is detected;
* the Account presents a security risk;
* information provided is materially false;
* required verification cannot be completed; or
* suspension is required by law or a competent authority.
Where appropriate and legally permitted, Oyafi may notify the User of the reason for the restriction.
Termination or suspension does not automatically eliminate obligations that arose before the suspension or termination.
26. ACCOUNT CLOSURE BY USERS
You may request closure of your Oyafi Account through the available account or support channels.
Before an Account is closed, you may be required to:
* resolve pending Transactions;
* complete required verification;
* resolve outstanding disputes; or
* satisfy other reasonable security requirements.
Where a remaining Wallet balance exists, Oyafi may require appropriate verification before determining whether and how the balance can be returned, subject to applicable law and Platform rules.
Certain transaction and compliance records may be retained after Account closure where required by law, security requirements, dispute resolution, or legitimate business purposes.
27. THIRD-PARTY SERVICES
Oyafi may contain links, integrations, payment systems, or services provided by third parties.
Third-party services may have their own terms and privacy policies.
Where you use a third-party service, you may be subject to that Provider's terms in addition to these Terms.
Oyafi is not responsible for the independent policies, systems, availability, or conduct of third parties.
28. PLATFORM AVAILABILITY
Oyafi aims to maintain reliable Platform availability but does not guarantee that the Platform will always be:
* available;
* uninterrupted;
* error-free;
* secure against every possible threat; or
* compatible with every device or network.
The Platform may be temporarily unavailable because of:
* maintenance;
* upgrades;
* technical failures;
* network outages;
* Provider downtime;
* cybersecurity incidents;
* infrastructure failures;
* telecommunications problems; or
* circumstances beyond Oyafi's reasonable control.
29. MAINTENANCE
Oyafi may perform scheduled or emergency maintenance.
Maintenance may temporarily affect:
* Account access;
* Wallet functionality;
* Transactions;
* payments;
* notifications;
* customer support; or
* other Platform features.
Where reasonably possible, Oyafi may provide advance notice of scheduled maintenance.
Emergency maintenance may occur without advance notice.
30. NOTIFICATIONS AND COMMUNICATIONS
Oyafi may communicate with you through:
* email;
* in-app notifications;
* SMS where applicable;
* WhatsApp or other support channels;
* Platform notices; or
* other communication methods associated with your Account.
You are responsible for maintaining access to your registered email address and other communication channels.
Important security and transaction communications may be sent automatically.
You may receive promotional communications where permitted and where applicable consent has been obtained.
31. CUSTOMER SUPPORT
Oyafi may provide customer support through available channels, including in-platform support and human support channels.
Oyafi may use an AI-powered support assistant, including Oyafi Padi, to assist Users.
AI-generated responses are intended to provide general assistance and may not always be completely accurate.
For matters requiring human review, Users may be directed to a human support representative.
For transaction disputes, Oyafi may request transaction references, screenshots, payment details, recipient information, or other information reasonably necessary to investigate the issue.
32. USER CONTENT
If you submit information, reviews, feedback, support messages, suggestions, or other content to Oyafi, you grant Oyafi permission to use that content as reasonably necessary to operate, improve, secure, and support the Platform, subject to applicable privacy obligations.
You must not submit content that:
* is unlawful;
* infringes another person's rights;
* contains malicious code;
* contains unauthorized personal information; or
* is intentionally misleading or fraudulent.
33. INTELLECTUAL PROPERTY
Unless otherwise stated, the Platform and its Content are owned by or licensed to Oyafi.
This includes, where applicable:
* Oyafi branding;
* logos;
* names;
* designs;
* software;
* interfaces;
* graphics;
* text;
* databases;
* documentation; and
* other Platform materials.
You may use the Platform only for its intended purpose.
You must not reproduce, modify, distribute, sell, publicly display, reverse engineer, or commercially exploit Oyafi Content without appropriate authorization.
Nothing in these Terms transfers ownership of Oyafi intellectual property to you.
34. FEEDBACK
If you provide suggestions, ideas, recommendations, or feedback concerning Oyafi, you agree that Oyafi may use that feedback without obligation to compensate you, unless otherwise agreed in writing.
This does not transfer ownership of intellectual property that you independently own and that is not created specifically as Platform feedback.
35. PRIVACY
Your use of Oyafi is also subject to the Oyafi Privacy Policy.
The Privacy Policy explains how Oyafi may collect, use, store, process, and protect personal information.
By using Oyafi, you acknowledge that information may need to be processed to:
* create and maintain your Account;
* process Transactions;
* provide Services;
* prevent fraud;
* provide customer support;
* communicate with you;
* comply with legal obligations; and
* improve the Platform.
You should review the Oyafi Privacy Policy for further information.
36. DATA AND COMMUNICATION COSTS
Your use of Oyafi may require an internet connection or mobile network connection.
You are responsible for any charges imposed by your telecommunications or internet service provider.
Oyafi is not responsible for third-party data, network, roaming, or telecommunications charges.
37. ERRORS AND CORRECTIONS
Oyafi may occasionally display inaccurate information because of technical, human, or third-party errors.
This may include errors involving:
* product descriptions;
* pricing;
* availability;
* transaction status;
* promotional benefits; or
* account information.
Oyafi may correct errors and, where reasonably necessary, cancel or adjust affected Transactions subject to applicable law.
38. DISCLAIMER
To the maximum extent permitted by applicable law, Oyafi provides the Platform and Services on an “as available” and “as reasonably provided” basis.
Oyafi does not guarantee that:
* every Service will always be available;
* every Transaction will be processed instantly;
* third-party networks will always function;
* the Platform will always be error-free;
* all information displayed will always be accurate; or
* third-party Providers will always perform without interruption.
Nothing in these Terms excludes any legal rights or protections that cannot lawfully be excluded.
39. LIMITATION OF LIABILITY
To the maximum extent permitted by applicable law, Oyafi will not be liable for indirect, incidental, special, consequential, or unforeseeable losses arising from your use of the Platform.
This may include losses resulting from:
* third-party network failures;
* telecommunications outages;
* Provider failures;
* incorrect recipient information supplied by you;
* unauthorized use resulting from compromised credentials;
* delays caused by third parties;
* temporary Platform unavailability;
* device or internet failures; or
* events outside Oyafi's reasonable control.
Nothing in these Terms limits or excludes liability that cannot legally be limited or excluded under applicable law.
40. INDEMNIFICATION
To the extent permitted by law, you agree to indemnify and hold Oyafi, its affiliates, officers, employees, contractors, and service providers harmless from claims, losses, liabilities, damages, costs, and expenses arising from:
* your violation of these Terms;
* your unlawful use of the Platform;
* fraudulent activity associated with your Account;
* your infringement of another person's rights; or
* your misuse of the Platform.
41. EVENTS OUTSIDE OUR CONTROL
Oyafi will not be responsible for failure or delay caused by circumstances beyond its reasonable control.
These may include:
* telecommunications failures;
* internet outages;
* power failures;
* Provider outages;
* banking or payment network disruptions;
* cyberattacks;
* natural disasters;
* government actions;
* regulatory restrictions;
* civil disturbances;
* strikes;
* epidemics or pandemics; or
* other force majeure events.
Oyafi will take reasonable steps to restore affected Services when practicable.
42. CHANGES TO THESE TERMS
Oyafi may update these Terms from time to time.
Changes may be made to reflect:
* new Services;
* changes in law;
* security improvements;
* operational changes;
* changes to Providers;
* changes to Platform functionality; or
* other legitimate business requirements.
The updated Terms will be published through the Platform with a revised “Last Updated” date.
Where legally required, Oyafi may provide additional notice of material changes.
Your continued use of Oyafi after updated Terms become effective constitutes acceptance of the updated Terms.
43. GOVERNING LAW
These Terms shall be governed by and interpreted in accordance with the laws of the Federal Republic of Nigeria, subject to any mandatory legal rights or protections applicable to you.
Any dispute arising from or relating to these Terms or your use of Oyafi shall be subject to the jurisdiction of the appropriate courts of Nigeria, unless applicable law requires otherwise.
44. DISPUTE RESOLUTION
If you have a complaint or dispute concerning Oyafi, you should first contact Oyafi Support and provide sufficient information for the matter to be investigated.
Oyafi will make reasonable efforts to investigate and resolve legitimate complaints.
Where a dispute cannot be resolved through customer support, either party may pursue any remedies available under applicable Nigerian law.
Nothing in this section prevents a User from exercising a legal right that cannot lawfully be waived.
45. SEVERABILITY
If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision shall be interpreted or modified to the minimum extent necessary to make it enforceable where legally permitted.
The remaining provisions will continue to apply.
46. NO WAIVER
Failure by Oyafi to enforce any provision of these Terms does not constitute a waiver of its right to enforce that provision later.
47. ENTIRE AGREEMENT
These Terms, together with the Oyafi Privacy Policy and any additional terms specifically applicable to particular Services or promotions, constitute the agreement between you and Oyafi regarding your use of the Platform.
If additional terms conflict with these Terms, the additional terms will apply to the relevant Service to the extent of the conflict.
48. ASSIGNMENT
You may not transfer or assign your rights or obligations under these Terms without Oyafi's prior written consent.
Oyafi may assign or transfer its rights or obligations where reasonably necessary for business operations, restructuring, merger, acquisition, financing, or other legitimate business purposes, subject to applicable law.
49. CONTACT OYAFI
If you have questions, complaints, Transaction disputes, or requests concerning these Terms, please contact Oyafi through the official support channels available on the Platform.
Oyafi
Website: https://oyafi.online
Email: [email protected]
Support: 234-805-103-5876
50. YOUR ACCEPTANCE
By registering for an Oyafi Account, accessing the Platform, funding your Wallet, purchasing a Service, or otherwise using Oyafi, you acknowledge that you have read, understood, and agreed to these Terms of Service.
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