1. About these terms
These Terms of Use (the Terms) govern your access to and use of the Taprail mobile app, the website at taprail.app, our waitlist and any related services (together, the Services). In these Terms, Taprail, we, us and our mean the company that operates Taprail, based in Lagos, Nigeria, and you means the person using the Services. They work together with our Privacy Policy and Cookie Policy, which are part of these Terms.
2. Accepting these terms
By creating an account, joining the waitlist, or otherwise using the Services, you confirm that you have read, understood and agree to these Terms. If you do not agree, do not use the Services. If you are using the Services on behalf of an organisation, you confirm you are authorised to accept these Terms for it.
3. Definitions
- Account means your Taprail account.
- Card means a payment card you add to Taprail. Virtual card means the digital card Taprail creates so you can pay without exposing your real card number.
- Partners means the banks, card issuers, card schemes and payment processors that help deliver the Services.
- Transaction means a payment, refund, split or related action made through the Services.
4. Eligibility
To use the Services, you must:
- be at least 18 years old;
- be resident in Nigeria and able to enter into a binding contract;
- use cards that belong to you, or that you are clearly authorised to use; and
- not be barred from using the Services under any applicable law or sanctions list.
We may refuse to offer, or may withdraw, the Services to anyone who does not meet these requirements.
5. Your account and verification
To use most features you will need to create an Account and verify your identity. You agree to give accurate, current and complete information, and to keep it up to date. To meet our legal obligations, we and our Partners carry out identity checks (KYC) and may ask for documents such as your BVN, NIN or a government-issued ID. We may suspend or limit your Account until these checks are complete, or refuse or end your Account if they cannot be completed.
6. What Taprail is, and what it is not
Taprail is a technology service that lets you add your bank cards and pay by holding your phone to a contactless terminal, manage cards, split bills and follow your spending. Taprail is not a bank and does not take deposits or hold your money. Your funds stay with your bank, and payments are authorised by your bank and processed by our Partners. Virtual cards are issued by our card-issuing Partner and are subject to the relevant card scheme rules. Taprail is still in development, and features, availability and partners may change.
7. Adding cards and giving authority
When you add a Card, you confirm that you are the cardholder or are authorised to use it, and you authorise us and our Partners to verify it, create a virtual card, and process payments you make. Card details are tokenised by our payment Partners. You are responsible for making sure your Cards are valid and have sufficient funds or limit.
8. Payments, authorisation and limits
When you make a payment, you authorise the Transaction, and it is approved or declined by your bank in the usual way. We are not responsible for a Transaction your bank declines, or for a merchant refusing a contactless payment. We, your bank or our Partners may set limits on the amount, number or value of Transactions, and may apply additional checks, for security and to meet legal requirements.
9. Fees
We will tell you about any fees before you incur them, and current fees will be shown in the app or on our website. Your bank, card issuer or a merchant may also charge their own fees, which are outside our control. If a fee applies to a Transaction, you authorise us to collect it.
10. Refunds, disputes and chargebacks
Refunds for a purchase are handled by the merchant and your bank under the relevant card scheme rules. If you do not recognise a Transaction or think there is an error, contact us at [email protected] and also your bank, which usually leads the dispute or chargeback process. We will help where we can, but we do not control the outcome of a chargeback.
10A. Pay with Taprail (paying a merchant)
A merchant who uses Taprail may send you a payment intent (for example, on their checkout page or as a QR). When you approve it in the Taprail app, we charge your chosen Card for the amount shown. Pay-with-Taprail intents expire 30 minutes after creation if you do not approve them.
Your contract for the underlying goods or services is with the merchant, not with Taprail. Questions about delivery, quality, returns or warranty go to the merchant directly. If the merchant issues a refund through Taprail, we will return the full charged amount to your Card; the Taprail service fee on the original payment is not refundable by default.
11. Splitting bills
When you start or join a bill split, each person pays their own share from their own card. You are responsible for the share you agree to. We are not a party to any agreement between you and the people you split with, and we are not responsible for amounts others fail to pay.
12. Your responsibilities and account security
- Keep your device, PIN, biometrics and login details secure.
- Do not let anyone else use your Account, and do not share your credentials.
- Tell us straight away at [email protected] if you lose your device or think someone has accessed your Account.
- You are responsible for activity carried out through your Account, except to the extent it results from our failure.
13. Acceptable use
You agree not to:
- use the Services for anything unlawful, fraudulent or harmful;
- use the Services to launder money, finance terrorism, or breach sanctions;
- add or use a Card you are not authorised to use, or provide false information;
- copy, modify, reverse engineer, or interfere with the Services or their security;
- use bots, scrapers or automated means to access the Services, or place an unreasonable load on them; or
- infringe our rights or the rights of others.
14. Financial crime, suspension and freezes
To comply with the law and protect users, we and our Partners monitor for fraud, money laundering and other financial crime. We may delay, block, freeze or reverse a Transaction, and suspend or restrict your Account, where we reasonably suspect a breach of these Terms, illegal activity, a security risk, or where we are required to by law or a regulator. Where we can, and where the law allows, we will tell you.
15. Communications and electronic notices
You agree that we may communicate with you electronically, including by email, in-app message and push notification, and that electronic communications and records satisfy any legal requirement that they be in writing. Some communications, such as security and service notices, are part of using the Services and cannot be turned off while you have an Account.
16. Intellectual property
The Services, including the Taprail name, logo, software, designs and content, are owned by us or our licensors and are protected by law. We grant you a personal, limited, non-exclusive, non-transferable and revocable licence to use the app for its intended purpose. You may not copy, sell, or create derivative works from the Services without our written permission. Bank, partner and scheme logos belong to their respective owners and are used with permission or as permitted by law.
17. Third-party services
The Services rely on and link to third parties, such as your bank, payment processors, card schemes and app stores. Their own terms and privacy notices apply to your use of their services, and we are not responsible for them.
18. Availability and changes to the Services
We work to keep the Services available, but we do not guarantee they will be uninterrupted or error free. We may change, suspend or withdraw all or part of the Services, carry out maintenance, or release updates, at any time. Some features are offered on a pre-launch or beta basis and may change or be removed.
19. The waitlist
Joining the waitlist tells us you are interested. It does not create an Account, guarantee access, or promise any feature, price or timing. We may contact you about launch and early access.
19A. Merchants on Pay with Taprail
If you sign your business up to accept Pay with Taprail, the following extra terms apply, in addition to the rest of these Terms.
- API keys are bearer tokens: you are responsible for keeping live keys secret and rotating them if leaked. Charges made with your keys are treated as authorised by your business.
- Sandbox vs live: sandbox does not move real money and is for testing. We must enable live mode for your account before you can mint a live key.
- Fees and settlement: the Taprail service fee applies to each approved order and is shown in the dashboard. We charge the customer the full order amount via our payment partner, retain the fee, and transfer the net to the bank account you have verified for settlement.
- Refunds and chargebacks:you may refund an approved order to the customer in full. The Taprail service fee on the original payment is not refundable by default. If a customer raises a chargeback, the underlying payment partner's scheme rules apply and the amount may be reversed from your settled funds.
- Webhooks and acceptable use: you agree to keep your webhook endpoint reachable and to use Taprail only for goods or services that comply with applicable law and the relevant card scheme rules. We may suspend acceptance for prohibited activity (including but not limited to fraud, regulated activities you are not licensed for, and content that violates scheme rules).
- Cardholder data: you must not ask customers for card details outside the Taprail flow. Pay with Taprail keeps you out of PCI scope because card data never reaches your servers.
20. Disclaimers
To the fullest extent allowed by law, the Services are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will meet your needs, be secure, or be free of errors. Nothing in these Terms excludes any rights you have under Nigerian consumer protection law that cannot be excluded.
21. Limitation of liability
To the fullest extent allowed by law, we are not liable for any indirect, incidental, special or consequential loss, or for loss of profits, revenue, data, goodwill or business, arising from or relating to the Services. We are not liable for losses caused by events outside our reasonable control, by your own breach of these Terms, or by the acts of third parties such as your bank, a merchant or a Partner. Where we are liable, our total liability to you for all claims relating to the Services is limited, to the extent allowed by law, to the greater of the fees you paid us in the three months before the claim, or NGN 50,000. Nothing in these Terms limits liability that cannot be limited by law, such as for fraud.
22. Indemnity
You agree to indemnify and hold us and our Partners harmless from reasonable claims, losses and costs arising from your breach of these Terms, your misuse of the Services, or your breach of any law or the rights of others, except to the extent the loss is caused by us.
23. Suspending or ending your use
You can stop using the Services and close your Account at any time. We may suspend or end your access, with or without notice, if you breach these Terms, if we are required to by law, or to protect you, other users or the Services. When your Account ends, your right to use the Services stops, but any terms that by their nature should survive, such as those on fees owed, intellectual property, disclaimers, liability and governing law, will continue. We will deal with your personal data as set out in our Privacy Policy.
24. Force majeure
We are not responsible for any failure or delay caused by events beyond our reasonable control, including network or power failures, acts of government or regulators, strikes, natural events, or the failure of a bank, Partner or other third party.
25. Governing law and disputes
These Terms are governed by the laws of the Federal Republic of Nigeria. If you have a complaint, please contact us first at [email protected] so we can try to resolve it. Any dispute that cannot be resolved is subject to the courts of Nigeria, and nothing here removes any right you have to refer a complaint to the relevant regulator.
26. General
- Changes. We may update these Terms. We will change the date above and, for significant changes, let you know. Continuing to use the Services means you accept the updated Terms.
- Assignment. You may not transfer your rights under these Terms. We may transfer ours to a company that takes over the Services, as long as your rights are not reduced.
- Severability. If any part of these Terms is found invalid, the rest stays in force.
- Waiver. If we do not enforce a right, that is not a waiver of it.
- Entire agreement. These Terms, with the Privacy and Cookie Policies, are the whole agreement between us about the Services.
- No third-party rights. Except for our Partners where stated, no one other than you and us has rights under these Terms.
27. Contact us
Questions about these Terms? Email [email protected].