Terms & Conditions
These Terms & Conditions govern your use of Giggol Pay. By creating an account or using the app, you agree to these terms.
Overview
Giggol Pay is a mobile financial app that allows users to send and receive money, pay bills, use mobile money services, scan to pay, save money, and, where available, earn commission through agent-related services.
Eligibility
To use Giggol Pay, you must:
Be old enough (18 and above) to enter a binding agreement under Zambian law.
Provide accurate and complete information.
Use the app only for lawful purposes.
Follow all applicable laws and regulations.
Account responsibilities
You are responsible for:
Keeping your account information accurate.
Protecting your login details.
Not sharing your account with others.
Telling us immediately if you suspect unauthorized access.
Services we provide
Giggol Pay may offer:
Money transfers to bank accounts and mobile money accounts.
Bill payments for services such as water, electricity, and other approved utilities.
Mobile money services and agent-related transactions.
QR code payments at participating merchants.
Savings features that may earn interest, subject to applicable rules.
Fees, commissions, and interest
Some services may include fees, commissions, or interest-based earnings. We will aim to explain applicable charges clearly in the app or in a separate fees page.
Where available:
The first K1,000 transferred may be free, subject to the app’s current offer terms.
Agent transactions may earn commission according to the applicable program rules.
Savings balances may earn interest according to the savings terms.
Acceptable use
You agree not to:
Use the app for fraud, money laundering, or any illegal activity.
Attempt to hack, copy, or disrupt the app.
Use false identity details.
Abuse promotions, commissions, or rewards.
Use the app in a way that harms other users or Giggol Pay.
Verification and compliance
We may ask you to complete identity checks or other verification steps before allowing full access to some features. We may also limit, pause, or close accounts where required by law, policy, or risk controls.
Suspension and termination
We may suspend or close your account if:
You violate these Terms.
Your account appears suspicious or fraudulent.
We are required to do so by law.
We are unable to verify your information.
Limitation of liability
We work to keep Giggol Pay reliable, but we do not promise that the app will always be error-free or uninterrupted. To the maximum extent allowed by law, Giggol Pay will not be liable for losses caused by events outside our reasonable control, third-party failures, or misuse of the app.
Termination
We reserve the right to suspend or terminate your access to Giggol Pay if you violate these terms.
Changes to terms
We may update these Terms from time to time. Continued use of the app after updates means you accept the revised Terms.
Contact
For questions or legal concerns, reach us at legal@xbanq.com.