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Terms of ServicePrivacy Policy

Terms of Service

Last updated 27 October 2026 · Effective 27 October 2026

These terms govern your use of Scripe: selling in store and online, getting paid, and managing your business money. Please read them before you open an account.

The short version

  • Scripe is a product of Hilaq Technology Limited (RC 8698053). These Terms are a contract between your business and Hilaq Technology Limited.
  • Scripe is for businesses. You must be 18 or older and able to act for the business you register.
  • Scripe is not a bank. Business accounts, account numbers, transfers and payouts are provided through licensed partner banks. Payouts run on your chosen schedule, subject to the banking provider.
  • Before you can hold or move money, you must verify yourself and your business (KYC and KYB). What you can pay out depends on how far you are verified.
  • You are responsible for your customers: what you sell, delivering it, refunds, and handling their data lawfully.
  • Some businesses and activities are not allowed on Scripe. If we see a risk of fraud, loss or a breach of law, we may hold funds, limit or suspend your account.
  • Scripe charges a platform fee on every sale, at the rate shown in your dashboard. There is no monthly subscription for now. Payment, messaging and delivery providers may charge their own fees.
  • Nigerian law governs these Terms. Disputes go first to good-faith talks, then to mediation and, if needed, arbitration in Lagos.

On this page

  1. 1. About these Terms
  2. 2. Key terms
  3. 3. Who can use Scripe
  4. 4. Your account and its security
  5. 5. Verification (KYC and KYB)
  6. 6. Banking services through partner banks
  7. 7. Getting paid
  8. 8. Fees
  9. 9. Settlement and payouts
  10. 10. Refunds, chargebacks and disputes
  11. 11. Holds, limits and reserves
  12. 12. Paying others
  13. 13. Your responsibilities to your customers
  14. 14. Customer messages and campaigns
  15. 15. The till, offline sales and devices
  16. 16. Bookings, invoices, delivery and other features
  17. 17. Acceptable use
  18. 18. Prohibited businesses
  19. 19. Your content and store
  20. 20. Our intellectual property
  21. 21. Third-party services
  22. 22. Data protection
  23. 23. Suspension and termination
  24. 24. Disclaimers
  25. 25. Limitation of liability
  26. 26. Indemnity
  27. 27. Changes to Scripe and to these Terms
  28. 28. Notices
  29. 29. Governing law and disputes
  30. 30. General
  31. 31. Contact us
On this page
  1. 1. About these Terms
  2. 2. Key terms
  3. 3. Who can use Scripe
  4. 4. Your account and its security
  5. 5. Verification (KYC and KYB)
  6. 6. Banking services through partner banks
  7. 7. Getting paid
  8. 8. Fees
  9. 9. Settlement and payouts
  10. 10. Refunds, chargebacks and disputes
  11. 11. Holds, limits and reserves
  12. 12. Paying others
  13. 13. Your responsibilities to your customers
  14. 14. Customer messages and campaigns
  15. 15. The till, offline sales and devices
  16. 16. Bookings, invoices, delivery and other features
  17. 17. Acceptable use
  18. 18. Prohibited businesses
  19. 19. Your content and store
  20. 20. Our intellectual property
  21. 21. Third-party services
  22. 22. Data protection
  23. 23. Suspension and termination
  24. 24. Disclaimers
  25. 25. Limitation of liability
  26. 26. Indemnity
  27. 27. Changes to Scripe and to these Terms
  28. 28. Notices
  29. 29. Governing law and disputes
  30. 30. General
  31. 31. Contact us

01About these Terms

In short

These Terms set the rules for using Scripe. By creating an account or using Scripe, you agree to them on behalf of your business.

Scripe is a commerce and banking platform. It lets a business sell online and in store, get paid, hold money in a business account, pay bills and suppliers, and keep records.

Scripe is a product of Hilaq Technology Limited, a company registered in Nigeria (RC 8698053), with its registered office at C2, Adeleke Street, Osogbo, Osun State. In these Terms, "Scripe", "we" and "us" mean Hilaq Technology Limited. "You" means the business that holds the Scripe account, and the person who accepts these Terms on its behalf.

These Terms include:

  • —
    our Privacy Policy, which explains how we handle personal data;
  • —
    any terms shown to you when you turn on a feature, such as the partner bank's account terms; and
  • —
    any fee schedule shown in the Scripe dashboard or on our website.

If you do not agree to these Terms, do not use Scripe.

02Key terms

In short

A few words have a set meaning in these Terms. They are listed here.

  • —
    Business account: the account that holds your business's money on Scripe. It is provided by a partner bank.
  • —
    Partner bank: the licensed bank or financial institution that provides your business account and moves your money.
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    Payment provider: a licensed company that takes card, transfer or other payments from your customers for you.
  • —
    Customer: a person who buys from, books with or pays your business through Scripe.
  • —
    Staff: anyone you invite to your Scripe account, such as managers and cashiers.
  • —
    Payout: a transfer from your business account to your own bank account.
  • —
    Till: Scripe's in-store point-of-sale app.
  • —
    Content: anything you or your staff upload or publish on Scripe, such as products, images, store pages and messages.

03Who can use Scripe

In short

Scripe is for businesses, in Nigeria or elsewhere. The person who signs up must be 18 or older and have authority to act for the business. Some features need Nigerian verification.

To use Scripe, you must:

  • —
    be at least 18 years old;
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    run a business, or be authorised to act for a business, that operates lawfully in Nigeria or in the country where it is based;
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    give us true, accurate and complete information, and keep it up to date; and
  • —
    not be barred from using financial services under Nigerian law, or listed on a sanctions list.

Businesses outside Nigeria can sign up. Some features, including the business account and payouts provided by our partner banks, are only available to businesses and people who can complete Nigerian verification (KYC and KYB), such as providing a BVN or CAC registration.

Scripe is for business use. It is not a personal or consumer account.

04Your account and its security

In short

You are responsible for everything done through your account, including by your staff. Keep passwords and PINs private, and tell us at once if you think your account has been misused.

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    Account owner. The person who creates the account is its owner. The owner can invite staff, give them roles and remove them.
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    Staff and roles. You decide what each staff member can do. You are responsible for their actions on Scripe as if they were your own. Give each person only the access their job needs.
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    PINs. Each staff member uses their own PIN on the till. Outgoing transfers need a transaction PIN. Do not share PINs, and change them if you think someone else knows them.
  • —
    Approvals. You can set rules so that bills and transfers above an amount need one or more approvers. You are responsible for choosing those rules and approvers.
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    Security. Keep your passwords, PINs, devices and email account secure. Tell us at [email protected] straight away if you suspect unauthorised access.
  • —
    Instructions we receive. We may treat any instruction made with your sign-in details, PINs or approvals as authorised by you, unless you told us beforehand that they had been compromised.

05Verification (KYC and KYB)

In short

Before you can hold or move money, we and our partner bank must verify you, your business and the people who own or control it. Your payout limits depend on your verification level.

Nigerian law and our partner banks require us to know who we do business with.

  • —
    What we ask for. Depending on your business, we may ask for:
    • —
      the BVN, NIN, a photo ID, proof of address and a selfie of the owner;
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      CAC documents, a TIN and business address proof; and
    • —
      details and IDs for directors and anyone who owns 5% or more of the business. For higher limits, we may also ask for bank statements, a board resolution, a source-of-funds declaration, or a call or site visit.
  • —
    Levels and limits. You can use commerce features, such as the till, products, stock and invoices, before you are verified. To receive money into a business account and to make payouts, transfers and bill payments, you must complete the required checks. Each verification level has payout limits, which we show in the dashboard. We or the partner bank may change these limits.
  • —
    Checking information. You authorise us and the partner bank to check the information you give us, including with NIBSS, NIMC, the CAC, sanctions lists and identity verification providers.
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    Keeping it current. You must tell us about changes, such as new directors or owners, a new address or an expired ID. We may ask you to verify again from time to time. If documents expire or checks fail, your limits may go down until you update them.
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    Refusal. We or the partner bank may refuse to open a business account, or close one, if verification is not completed or does not meet our or the partner bank's requirements. We may not always be able to tell you why.

06Banking services through partner banks

In short

Scripe is not a bank and does not hold your money itself. Your business account, account number and money movements are provided by a licensed partner bank.

  • —
    Scripe gives your business an account and banking tools, provided through licensed partners. Your account is held with one of our partner banks, Anchor, Brails or Monnify, on that bank's licence.
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    Your partner bank may have its own account terms. Where it does, they also apply to your business account, and we will send you a copy on request. If those terms conflict with these Terms on banking matters, the partner bank's terms apply.
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    Scripe provides the software that lets you see and instruct your account. The partner bank holds the funds and carries out the transfers.
  • —
    Money in your business account does not earn interest. Scripe does not offer loans, credit or overdrafts.
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    Scripe is not a deposit-taking institution.
  • —
    Your available balance is what you can spend or pay out now. Your ledger balance may include money that is not yet available.
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    We may change partner banks. If we do, we will tell you in advance and explain what you need to do.

07Getting paid

In short

Your customers can pay you through your store, payment links, invoices, bookings and the till. Online payments are processed by licensed payment providers, and the money lands in your business account.

  • —
    How customers pay. Depending on the feature and provider, customers can pay by card, bank transfer or mobile money online, and by cash, card or transfer in store.
  • —
    Payment providers. Online card and transfer payments are processed by licensed payment providers, including Paystack, Flutterwave, Monnify and Bachs. A provider may need to approve your business before it processes payments for you. Their own terms may also apply.
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    Cash and outside payments. Cash sales, and card sales on a terminal not connected to Scripe, do not pass through your business account. Scripe only records them.
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    When a payment is complete. A payment counts as received only when the payment provider or partner bank confirms it. A "pending" payment can still fail or be reversed.
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    Your prices. You set your own prices, taxes and delivery charges. You are responsible for showing them correctly and for collecting and paying any taxes, including VAT.

08Fees

In short

Scripe charges a platform fee on every sale, at the rate shown in your dashboard. There is currently no monthly subscription. Payment, messaging and delivery providers may charge their own fees.

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    Platform fee. Scripe charges a platform fee on every sale you take through Scripe, including store orders, invoices, payment links and order payments. The fee is a percentage of each sale. We show the current rate in your dashboard before it applies to you.
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    No subscription for now. There is currently no monthly or other subscription fee to use Scripe. If we introduce one, we will tell you in advance (see "Changes to fees" below).
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    Provider fees. Payment processing, transfer, delivery and similar fees may apply. Where they apply, we show them before you or your customer pays.
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    Message credits. Customer messages by email, SMS or WhatsApp use credits. Credits are bought in advance. Unused credits do not expire, and they are not refundable.
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    How fees are paid. The platform fee is deducted from each payment before it settles into your business account. We may deduct other fees you owe us from your business account balance.
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    Changes to fees. We will give you at least 30 days' notice before we add a new fee or raise an existing one. Changes take effect from the date in the notice.
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    Taxes. Fees do not include VAT or other taxes, which will be added where they apply.

09Settlement and payouts

In short

Money you collect settles into your business account. You can pay it out to your own bank account on your chosen schedule, subject to the banking provider and your limits.

  • —
    Settlement. Payments from customers settle into your business account after the payment provider or partner bank confirms them, less the platform fee and any provider fees.
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    Payout schedule. You can choose to be paid out instantly, daily, weekly or on request. Payouts run on your chosen schedule, subject to the banking provider. We do not guarantee exact settlement or transfer times.
  • —
    Payout account. Payouts go to a bank account in your business's or owner's verified name. At lower verification levels, payouts can go only to the owner's own account.
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    Limits. Payouts, transfers and bill payments all count towards your payout limits (see Section 5).
  • —
    Delays. Payouts can be delayed or rejected by the partner bank, the receiving bank, network outages, public holidays, compliance checks or a hold (see Section 11).
  • —
    Mistakes. If money is paid into your account by mistake, or more than you are owed, you must return it. We may reverse it or recover it from your balance.

10Refunds, chargebacks and disputes

In short

You set your refund policy and handle refunds for your customers. If a customer disputes a payment with their bank or card issuer, you must help resolve it and bear the cost if it is lost.

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    Your refund policy. You must have a clear refund and returns policy and show it to customers before they pay. It must meet Nigerian consumer protection law, including the Federal Competition and Consumer Protection Act 2018.

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    Making refunds. You can refund customers through Scripe against the original sale. Refunds come out of your business account balance. You must have enough available balance to cover them.

  • —

    Chargebacks and reversals. A customer, their bank or a card issuer may dispute or reverse a payment. If this happens:

    • —
      we or the payment provider will tell you and may ask for evidence, such as receipts and proof of delivery;
    • —
      you must respond by the deadline we give you;
    • —
      the disputed amount may be held from your balance until the dispute is decided; and
    • —
      if the dispute is decided against you, the amount and any provider fees are deducted from your balance.

    Each payment provider's own dispute rules and deadlines also apply.

  • —

    Recovering amounts you owe. If your balance is too low to cover a refund, chargeback, reversal or fee, we may recover it from future payments. If we cannot, you must pay it when we ask.

  • —

    Customer disputes. Disputes about the quality, delivery or description of goods and services are between you and your customer. We may help, but we are not responsible for resolving them.

11Holds, limits and reserves

In short

To prevent fraud and losses, or when the law or the partner bank requires it, we may delay payouts, hold funds or set limits on your account. We will tell you why when we are allowed to.

We or the partner bank may hold some or all of your funds, delay payouts or lower your limits if we reasonably believe:

  • —
    a transaction is fraudulent, unauthorised or linked to money laundering or another crime;
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    you have broken these Terms or the partner bank's terms;
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    there is a high risk of refunds, chargebacks or reversals; or
  • —
    a law, court order, regulator or law-enforcement agency requires it.

Where the risk of losses is high, we may also ask you to keep a reserve: a set amount kept in your business account to cover future refunds and chargebacks.

We will tell you about a hold and the reason for it, unless the law or a regulator stops us. We will release funds once the reason for the hold ends. Money coming in may still be credited to your account while payouts are on hold.

12Paying others

In short

You can pay bills and suppliers and make transfers from your business account. Check every payment carefully, because completed transfers usually cannot be reversed.

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    Transfers. You can send money to saved recipients. We check the account name with the receiving bank before you send. You are responsible for confirming that the recipient and amount are correct.
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    Bill pay. You can record supplier bills, approve them and pay them in full or in part. You can also record payments made outside Scripe.
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    Approvals and PINs. Payments that need approval are sent only once approved. Outgoing transfers need a transaction PIN.
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    Irreversible. Once a transfer is completed, we usually cannot reverse it. If you send money to the wrong person, we will help you ask the receiving bank to return it, but we cannot guarantee it.
  • —
    Lawful use. You may only send money for lawful purposes. You must not use transfers to move money for other people.

13Your responsibilities to your customers

In short

You are the seller. You are responsible for what you sell, for delivering it, for your prices and refunds, and for handling your customers' data lawfully.

You must:

  • —
    describe your products and services accurately, and supply them as described;
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    deliver orders and honour bookings, or refund customers promptly when you cannot;
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    show your business name, contact details, prices, fees, delivery terms and refund policy clearly;
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    issue receipts and invoices that meet the law, including tax requirements;
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    hold any licences or permits your business needs, for example for pharmacies, food or alcohol;
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    comply with consumer protection, advertising, tax and product safety laws; and
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    answer customer complaints promptly and fairly.

Your customers' data. You are the data controller for your customers' personal data. You must have a lawful basis for collecting and using it, tell customers how you use it, and respond to their requests. See Section 22 and our Privacy Policy.

14Customer messages and campaigns

In short

You can message your customers by email, SMS and WhatsApp. You must have their consent for marketing, and you must not send spam.

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    You may send marketing messages only to customers who have agreed to receive them, as the law requires.
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    Every campaign email includes an unsubscribe link. You must not re-add customers who have unsubscribed.
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    You must not send messages that are false, misleading, offensive or unlawful, or that impersonate someone else.
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    SMS and WhatsApp messages must follow the rules of the network operators, the Nigerian Communications Commission and Meta. Providers may block messages that break their rules.
  • —
    Messages use credits (see Section 8). We may limit how many messages you send at once.

15The till, offline sales and devices

In short

The till keeps working without internet and syncs sales later. You are responsible for your devices, your cash and your staff's use of the till.

  • —
    Devices. The till runs on phones, tablets and computers you provide, including Android tablets. Scripe does not sell or supply hardware, unless we agree otherwise in writing. You are responsible for buying, maintaining and securing your devices, printers, scanners and cash drawers.
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    Offline sales. If the internet drops, the till saves sales on the device and sends them to Scripe when it reconnects. Until then, those sales exist only on that device. If the device is lost, damaged, reset or cleared before it syncs, those sales may be lost. Reconnect devices regularly so offline sales sync.
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    Offline limits. Some actions, such as confirming bank transfers, need a connection. Do not hand over goods for a transfer until the till confirms the payment.
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    Cash. Cash taken at the till does not go into your business account. You are responsible for counting, storing and banking your cash. Shift reports and cash counts are records to help you, not a guarantee that cash is correct.
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    Staff PINs. Each cashier should use their own PIN, so every sale and every cash difference is linked to a person.
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    Lost devices. If a device is lost or stolen, unpair it from Scripe straight away and change any PINs that may be known.

16Bookings, invoices, delivery and other features

In short

Scripe gives you tools to take bookings, send invoices and arrange delivery. You remain responsible for the service, the invoice and the delivery.

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    Bookings. If you connect Google Calendar, Scripe reads your free and busy times and adds booking events. You are responsible for honouring bookings and for your cancellation policy.
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    Invoices. You are responsible for what your invoices say, including tax lines and payment terms, and for following up on unpaid invoices.
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    Delivery. Delivery through Scripe is carried out by third-party carriers, such as Shipbubble. Their terms apply to each delivery. The delivery price shown may include a Scripe service charge. Claims about lost or damaged parcels follow the carrier's process.
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    Records and reports. Scripe records your sales, payments, stock and spending as you trade. These records help you run your business, but they are not tax filings, audited accounts or professional advice. Check them, and get professional advice where you need it.

17Acceptable use

In short

Use Scripe only for lawful business. Do not misuse it, attack it, or use it to harm others.

You must not, and must not let anyone else:

  • —
    break any law or regulation, including anti-money laundering, terrorism financing, sanctions, tax, consumer protection and data protection laws;
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    give false information, or open an account for someone else or using someone else's identity;
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    use Scripe to move money for other people, or to hide where money comes from;
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    break into, overload or interfere with Scripe, or get around its security, limits or verification;
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    copy, scrape, reverse engineer or resell Scripe, except where the law allows it;
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    upload viruses or other harmful code;
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    infringe anyone's intellectual property or privacy rights;
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    publish content that is false, misleading, defamatory, hateful, obscene or unlawful; or
  • —
    send spam or unsolicited messages.

18Prohibited businesses

In short

Some businesses cannot use Scripe at all, and some need our approval first. Our partner banks and payment providers may add to this list.

You must not use Scripe for:

  • —
    anything illegal in Nigeria, or illegal where your customers are;
  • —
    illegal drugs, drug paraphernalia, and prescription medicines sold without a valid licence or prescription;
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    weapons, ammunition and explosives;
  • —
    stolen goods, counterfeit goods, and goods that infringe intellectual property;
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    adult content and sexual services;
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    gambling, betting and lotteries without the required licence;
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    pyramid or Ponzi schemes, "get rich quick" schemes and investment schemes that promise returns;
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    unlicensed financial services, including lending, money transmission, foreign exchange and cryptocurrency exchange;
  • —
    fake documents, identity services or fake reviews; and
  • —
    anything linked to terrorism, human trafficking or sanctioned people or countries.

These businesses need our written approval first: pharmacies and healthcare, alcohol and tobacco, travel agencies, charities and NGOs, crowdfunding, and subscription or membership services.

We may update this list when the law or our partners' rules change.

19Your content and store

In short

You own your content. You give us permission to host and show it so we can run Scripe for you.

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    Ownership. You keep ownership of your content, such as product details, images, logos and store pages.
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    Licence to us. You give us a non-exclusive, royalty-free, worldwide licence to host, store, copy, display, adapt (for example, resize images) and share your content as needed to run Scripe. This includes showing your store pages, products and receipts to your customers. The licence ends when you delete the content or close your account, except for copies we must keep by law or that sit in backups for a limited time.
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    Your promises. You confirm that you have the rights to your content, and that it does not break the law or anyone's rights.
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    Removing content. We may remove or hide content that breaks these Terms or the law, or that we are told to remove by a court or regulator.
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    Store addresses. Your store's web address on Scripe (for example, yourstore.scripe.app) is provided for you to use while you have an account. You do not own it, and it may be reassigned after your account closes.

20Our intellectual property

In short

Scripe's software, brand and designs belong to us. You may use them only to use Scripe.

Scripe, its software, designs, logos and documentation belong to Hilaq Technology Limited or its licensors. We give you a limited, non-exclusive, non-transferable right to use Scripe for your business while your account is open and you follow these Terms.

You may not use our name or logo in a way that suggests we endorse you, without our written permission. You may say that your store or payments run on Scripe.

If you send us feedback or ideas, we may use them without paying you or owing you anything.

21Third-party services

In short

Some parts of Scripe rely on other companies, such as banks, payment providers, carriers and messaging services. Their terms apply too, and we are not responsible for their failures.

Scripe works with third parties, including partner banks, payment providers, identity verification services, delivery carriers, SMS, WhatsApp and email providers, and Google.

  • —
    Your use of their services may be subject to their own terms and privacy policies.
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    We choose these providers with care, but we do not control them. We are not responsible for their acts, failures or downtime, except where the law says otherwise.
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    We may add, change or remove third-party services. Where this affects you, we will give you reasonable notice.

22Data protection

In short

We handle your personal data as our Privacy Policy explains. For your customers' data, you are the controller, and we process it for you on these terms.

Our own data. We process personal data about you and your staff as a controller, as explained in our Privacy Policy.

Your customers' data. When we process your customers' personal data to provide Scripe, you are the data controller and we are your data processor. We will:

  • —
    process it only on your documented instructions, which are these Terms and how you use Scripe, unless the law requires otherwise;
  • —
    make sure our staff are bound by confidentiality;
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    keep it secure using the measures in our Privacy Policy;
  • —
    use only sub-processors bound by data protection terms, and tell you about new ones in advance so you can object;
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    help you respond to your customers' requests to use their rights;
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    tell you without undue delay after we become aware of a personal data breach affecting your customers' data;
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    delete or return the data when your account closes, except where the law requires us to keep it; and
  • —
    give you the information you reasonably need to show that you comply with the NDPA.

You must have a lawful basis for the data you give us, and you must give your customers the information the law requires.

We may also use your customers' data as a controller where the law requires it, for example to prevent fraud, meet anti-money laundering duties and keep financial records.

23Suspension and termination

In short

You can close your account at any time. We may suspend or close it if you break these Terms, if the law requires it, or if there is serious risk. Some duties continue after closure.

  • —
    Closing your account. You can ask to close your account at any time by contacting [email protected]. You must first settle any money you owe and resolve open refunds, disputes and holds. We will pay out your remaining balance to your verified bank account, less amounts you owe, subject to any legal hold.
  • —
    When we can suspend or close. We may suspend, limit or close your account, or any feature, if:
    • —
      you break these Terms or the partner bank's terms;
    • —
      you fail verification, or give false information;
    • —
      we suspect fraud, money laundering or other unlawful activity;
    • —
      a partner bank, payment provider, court or regulator requires it; or
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      your account creates a serious risk for us, our partners or other users.
  • —
    Notice. Where possible, we will give you notice and the reason, and a chance to fix the problem. We may act without notice where the law requires it, or where notice would increase the risk.
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    Inactive accounts. We may close an account that has been inactive for a long time. We will always tell you first and give you time to respond before we close it.
  • —
    Closing Scripe or a feature. If we stop offering Scripe or a feature, we will give you at least 30 days' notice, unless we cannot because of the law or a partner.
  • —
    After closure. You can no longer use Scripe. We keep records as our Privacy Policy explains. Sections that by their nature should survive will continue, including fees and amounts owed, chargebacks, intellectual property, disclaimers, limitation of liability, indemnity and disputes.

24Disclaimers

In short

We work hard to keep Scripe running and accurate, but we provide it "as is". We cannot promise it will always be available or error-free.

To the extent the law allows:

  • —
    Scripe is provided "as is" and "as available";
  • —
    we do not promise that Scripe will be uninterrupted, error-free or always available, or that it will meet every need of your business;
  • —
    we do not guarantee settlement or transfer times, which depend on partner banks and other banks; and
  • —
    Scripe's records and reports are not legal, tax, accounting or financial advice.

Nothing in these Terms removes rights you have under Nigerian law that cannot be removed by contract.

25Limitation of liability

In short

If something goes wrong, our liability is limited. We are not liable for indirect losses, and our total liability is capped. We remain liable where the law does not allow a limit.

To the extent the law allows:

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    we are not liable for indirect or consequential losses, or for loss of profit, revenue, business, goodwill or data, even if we knew they were possible;
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    we are not liable for losses caused by partner banks, payment providers or other third parties, by events outside our reasonable control (such as power or network outages, strikes or government action), or by your own acts or those of your staff; and
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    our total liability to you for all claims in any 12-month period is limited to the greater of the fees you paid us in that period and ₦100,000.

This does not limit our liability for fraud, for gross negligence or wilful misconduct, for our failure to pass on money we hold for you that is due to you, or for anything else the law does not allow us to limit.

26Indemnity

In short

If your business, your staff or your content causes us a loss or a claim, you agree to cover it.

You agree to cover us, our directors, staff and partners for losses, fines, costs and reasonable legal fees that arise from:

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    your breach of these Terms or the law;
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    your products, services, content or dealings with your customers;
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    your handling of your customers' personal data; or
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    the acts of your staff on Scripe.

We will tell you promptly about any claim, and let you take part in the defence where that is reasonable.

27Changes to Scripe and to these Terms

In short

We may update Scripe and these Terms. We will tell you before important changes take effect. If you do not agree, you can close your account.

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    Changes to Scripe. We improve Scripe all the time. We may add, change or remove features. If a change significantly reduces what you can do, we will tell you in advance where we can.
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    Changes to these Terms. We may change these Terms, for example because of new features, laws or partner requirements. We will tell you about important changes by email or in the dashboard at least 30 days before they take effect, unless the law or a partner requires a change sooner. If you keep using Scripe after that date, you accept the new Terms. If you do not agree, you can close your account before that date.
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    We keep a record of which version of these Terms you accepted.

28Notices

In short

We will contact you by email or in the dashboard. Send formal notices to us by email or post.

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    To you. We send notices to the email address on your account, or show them in the dashboard. A notice is treated as received when we send it, unless we learn it was not delivered. Keep your email address up to date.
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    To us. Send notices to [email protected] or by post to Hilaq Technology Limited, C2, Adeleke Street, Osogbo, Osun State.

29Governing law and disputes

In short

Nigerian law applies. If we disagree, we will first try to settle it by talking. If that fails, the dispute goes to mediation, then arbitration in Lagos.

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    Governing law. These Terms are governed by the laws of the Federal Republic of Nigeria.
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    Complaints. If you have a complaint, contact [email protected] first. We will acknowledge it within 2 business days and aim to resolve it within 14 days.
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    Talking first. If a dispute is not settled, either side can send a written notice of dispute. Senior people from each side will try in good faith to settle it within 30 days.
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    Mediation and arbitration. If talks fail, the dispute will be referred to mediation and, if that fails, to arbitration under the Arbitration and Mediation Act 2023. The arbitration will be held in Lagos, in English, before a single arbitrator, under the rules of the Lagos Court of Arbitration.
  • —
    Courts. Either side may still go to the Nigerian courts for urgent relief, such as an injunction, or to recover a debt.
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    Regulators. Nothing in this section stops you from complaining to a regulator, such as the CBN, the FCCPC or the NDPC, or to the partner bank's complaints process.

30General

In short

These are the standard legal terms that make the contract work.

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    Whole agreement. These Terms, and the documents they refer to, are the whole agreement between you and us about Scripe.
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    Transfer. You may not transfer your account or these Terms without our written consent. We may transfer them to a company that takes over our business, if your rights are not reduced.
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    No waiver. If we do not enforce a right straight away, we can still enforce it later.
  • —
    Severability. If a court finds part of these Terms invalid, the rest stays in force.
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    Events outside our control. We are not responsible for delays or failures caused by events outside our reasonable control.
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    Relationship. Nothing in these Terms makes us partners, agents or employer and employee.
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    Language. These Terms are written in English. If we provide a translation, the English version applies.

31Contact us

In short

Questions about these Terms? Email us and we will help.

Scripe is a product of Hilaq Technology Limited (RC 8698053).

  • —
    Support: [email protected]
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    Legal notices and privacy: [email protected]
  • —
    Post: Hilaq Technology Limited, C2, Adeleke Street, Osogbo, Osun State
  • —
    Phone: 0706 580 2304

Questions about these terms?

Our team will explain anything that isn't clear. For legal notices, email us or write to our registered address.

[email protected]

© 2026 Scripe. Scripe is a technology company, not a bank. Banking services are provided by licensed partner banks.

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