Terms of Service

Gofast is provided by Gofast International Projects Limited (“Gofast” or “We”), a private limited liability company registered in Nigeria. We are regulated by relevant authorities in every country of operation to provide electronic payment systems services.

You are required to read and understand these terms, as they are a binding agreement between you and Gofast. By registering for a Gofast Account or Wallet or using any of the services provided on this website, you agree to comply with and to be bound by these Terms of Use.

This User Agreement (“Agreement”) is a contract between you and Gofast International Projects Ltd. (“Gofast”) and applies to your use of Gofast products and services and any other Gofast features, technologies, and/or functionalities offered by Gofast on our website, in the Gofast app or through any other means (the “Gofast Services”).

1. Third party agreements
You acknowledge and agree that this Agreement is between you and Gofast, not with any third party (including, but not limited to, Apple, Google, or any mobile carrier), and that Gofast is solely responsible for Gofast Services. Third party operating system providers such as Apple, Google, and Microsoft, your phone or other mobile device manufacturer, your wireless carrier or other network provider, any other product or service provider related to your mobile device service are collectively referred to as “Covered Third Parties.” You agree to comply with all applicable third party terms of agreement when using Gofast Services. Gofast is not a party to those agreements and has no responsibility for the products and services provided by third parties.

2. Gofast service terms
Gofast Services allow you to make payments to and accept payments from third parties. You may use Gofast Services on your mobile device, or, if you are an approved merchant, you may accept Gofast payments through your mobile application or website. Gofast International Projects Ltd. is a licensed provider of money transfer services and all money transmission is provided by Gofast International Projects Ltd., pursuant to Gofast International Projects Ltd.’s licenses. Gofast has no responsibility for the actions of your transfer recipient or for the subject of the transfer. 

Eligibility and Account Registration
To be eligible to use Gofast Services, you must create an account with a cellular/wireless telephone number that you own. As further detailed in our Privacy Policy, in order to register, create and use an account, Gofast may require that you submit certain Personal Information (as defined in the Privacy Policy), including but not limited to your name, email address, text-enabled cellular/wireless telephone number, street address or zip code, and date of birth to Gofast. During the registration process, or when you access Gofast Services from a phone, your phone’s device ID is also stored. You agree that the Personal Information you provide to Gofast upon registration and at all other times will be true, accurate, current and complete, and you agree to maintain and update this Personal Information with us as necessary.

Accounts
Accounts are for use in person-to-person transfers with friends and family, and other people whom you know. We may require that you provide more information in order to complete a transaction. We may reverse or place a hold on your transactions or place a reserve on your funds if you are in breach of this Agreement.

Identity Authentication
You hereby authorize Gofast, directly or through third parties, to make any inquiries we consider necessary to validate your identity and/or authenticate your identity and account information. This may include asking you for further information and/or documentation about your account usage or identity, or requiring you to take steps to confirm ownership of your email address, wireless/cellular telephone number or financial instruments, and verifying your information against third party databases or through other sources. This process is for internal verification purposes.

Transaction History
You have the right to receive an account statement. You may view your account statement by logging into your Gofast account.

Sending Money
i. Sending Limits
We may, at our discretion, impose limits on the amount of transactions you conduct through Gofast Services. If we have authenticated your identity, we may increase your transaction limits. These limits may change from time to time in Gofast’s sole discretion.

ii. Default Funding Sources
Your Gofast balance consists of the funds you have in your Gofast account that are available for new transactions and are not subject to pending transactions. When you make a payment through Gofast Services, we first see if your Gofast balance can cover the transaction. We always use your Gofast balance first if the balance is sufficient to cover your payment. If there is not enough money available in your Gofast balance to cover the transaction, we will block the transaction from going through and you’ll receive an “Insufficient Balance” notice. If you don’t want to use your balance, you can withdraw it at any time by Cashing Out.

iii. Fees for Transactions
Transactions do carry a fee. Our fee schedule provides details on the fee amounts, and the method and source of payment for such fees. We reserve the sole discretion to revise the fee schedule from time to time.

Payment Investigation
Payment investigation is a process by which Gofast reviews certain potentially high-risk transactions. If a payment is subject to payment investigation, Gofast will place a hold on the payment and may provide notice to the recipient. Gofast will conduct a review and either clear or cancel the payment. If the payment is cleared, Gofast will provide notice to the recipient. Otherwise, Gofast will cancel the payment and the funds will be returned. Gofast will provide notice to you by email and/or in the account history tab of your Gofast account if the payment is canceled. Gofast also reserves the right to freeze or block accounts that we deem to have acquired funds illegitimately. Additionally, in the case you are unable to provide the original source of funds from your bank account into Gofast, whereby investigations are on-going, the Gofast also reserves the right to freeze your account.

Account Balances
i. Balances
You need to maintain a balance in your account in order to make payments. If you do hold a balance, Gofast will hold your funds separate from its corporate funds, will not use your funds for its operating expenses or any other corporate purposes, and will not voluntarily make your funds available to its creditors in the event of bankruptcy. While your funds are in our custody, Gofast will combine your funds with the funds of other users and place those pooled accounts in one or more bank accounts in Gofast’s name. Gofast is not a bank or other chartered depository institution.

ii. Negative Balances
If the balance in your account is negative for any reason, Gofast may set off the negative balance by deducting amounts you owe Gofast from money you receive into your account, or money you attempt to withdraw or send from your account. You agree to allow Gofast to recover any amounts due to Gofast by debiting your balance. If there are insufficient funds in your balance to cover your liability, you agree to reimburse Gofast through other means. If Gofast is unable to recover the funds from your primary funding source, Gofast may attempt to contact you, Gofast may recover the funds from your alternate funding sources, or may take other legal actions to collect the amount due, to the extent allowed by applicable law.

Transferring Funds out of Gofast
i. Options
You may transfer funds to your linked Bank Account(s) using the standard transfer option.
ii. Transaction Reviews
We review account and transaction activity at various times, including when you initiate a transfer of funds out of Gofast. This review checks for, among other things, suspicious or illegal activity, and whether your account activity and the activity of users with whom you’ve transacted comply with this Agreement. Reviews may result in:
– delayed, blocked or cancelled transfers;
– funds being held by Gofast;
– funds being applied to a negative Gofast account balance;
– account suspension or termination;
– funds being seized to comply with a court order, warrant or other legal process; and/or
– funds you previously received being reversed (i.e., sent back to the sender’s Gofast balance.
In connection with our review process, you may be required to provide us with additional information and/or documentation to verify your identity. We may limit your account and your access to funds in it until verification is completed.

Closing Your Account
As long as there are no pending or in progress transactions, you may close your account at any time. You may close your account by emailing us at support@gofast.com.ng and requesting that we close your account. It may take up to 30 days for your account closure to be complete.

Termination
Upon termination of this Agreement for any reason, we have the right to prohibit your access to Gofast Services, including without limitation by deactivating your account, and to refuse future access to Gofast Services by you or if a business entity, its parent, affiliates or subsidiaries or its or their successors.

GENERAL TERMS AND CONDITIONS.
1. You agree that Gofast may provide notice to you by posting it on our website and internet properties, or if we have your email address or street address, by emailing it to the email address listed in your account or mailing it to the street address listed in your account. Such notice shall be considered to be received by you within 24 hours of the time it is posted to our website or emailed to you unless we receive notice that the email was not delivered. If the notice is sent by mail, we will consider it to have been received by you three Business Days after it is sent.

2. Business Days “Business Days” means Monday through Friday, excluding Holidays. If a Holiday falls on a Saturday, Gofast shall observe the Holiday on the prior Friday. If the Holiday falls on a Sunday, Gofast shall observe the Holiday on the following Monday.

3. Notices to Gofast must be sent by postal mail to: Gofast International Projects Ltd., Attention: Legal Department.

4. Gofast’s websites may feature third party offers and enable product searches. Gofast does not warrant that product descriptions, pricing, search results, user ratings and reviews or any other content on Gofast websites is accurate, complete, reliable or current. This information is provided for informational purposes only and does not constitute an endorsement by Gofast of any product, service or vendor.

5. Intellectual Property “Gofast App”, “Gofast”, and all related logos, products and services described in our website and mobile applications are either trademarks or registered trademarks of Gofast or its licensors. You may not copy, imitate or use them without Gofast’s prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of Gofast. You may not copy, imitate, or use them without our prior written consent. You may use HTML logos provided by Gofast through our vendor services, promotional tools or affiliate programs without prior written consent for the purpose of directing web traffic to the service. You may not alter, modify or change these HTML logos in any way, use them in a manner that is disparaging to Gofast or the Service or display them in any manner that implies Gofast’s sponsorship or endorsement. All right, title and interest in and to the Gofast website and any content thereon is the exclusive property of Gofast and its licensors.

6. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is your responsibility to collect, report and remit the correct tax to the appropriate tax authority. Gofast is not responsible for determining whether taxes apply to your transaction, or for collecting, reporting or remitting any taxes arising from any transaction.

7. Protecting your privacy is very important to us. Please review our Privacy Policy in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information. If you receive information about another Gofast user through Gofast Services, you must keep the information confidential and only use it in connection with the service. You may not disclose or distribute a Gofast user’s information to a third party or use the information for marketing purposes unless you receive the user’s express consent to do so.

8. Protecting the privacy of young children is especially important. For that reason, we do not knowingly collect or solicit personal information from anyone under the age of 18 or knowingly allow anyone under 18 to register for Gofast Services. If you are under 18, please do not send any information about yourself to us, including your name, address, telephone number, or email address. No one under age 18 is allowed to provide any personal or payment information to us through Gofast Services. If we learn that we have collected personal information from a child under age 18 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 18, please contact us at the information provided below in the “Contact Us” section.

9. If you believe that any of your Gofast account registration information, PIN or mobile device containing the Gofast App has been lost or stolen, or if your account history shows transfers that you did not make, immediately contact Gofast via the Contact Us information below or by email to support@gofast.com.ng.

10. In connection with your use of our website, your account, or Gofast Services, or in the course of your interactions with Gofast, a user or a third party, you will not:
– violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising);
– infringe Gofast’s or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;
– act in a manner that is defamatory, trade libelous, unlawfully threatening or unlawfully harassing;
– provide false, inaccurate or misleading Personal Information;
– send or receive what we reasonably believe to be potentially fraudulent funds;
– refuse to cooperate in an investigation or provide confirmation of your identity or any Personal Information you provide to us;
– control an account that is linked to another account that has engaged in any of these restricted activities;
– control or possess more than one account without authorization from Gofast;
– conduct your business or use the services in a manner that results in or may result in complaints, disputes, claims, reversals, chargebacks, fees, fines, penalties and other liability to Gofast, a user, a third party or you;
– use the Service to make transactions for the purpose of earning rewards, perks, miles, points, etc. with your credit card, debit card, or bank account;
– allow your Gofast account to have a negative balance; provide yourself a cash advance from your credit card (or help others to do so);
– disclose or distribute another Gofast user’s Personal Information to a third party, or use the information for marketing purposes unless you receive the user’s express consent to do so;
– send unsolicited email to a user or use the services to collect payments for sending, or assisting in sending, unsolicited email to third parties;
– take any action that imposes an unreasonable or disproportionately large load on our infrastructure;
– facilitate any viruses, Trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information;
– use any robot, spider, other automatic device, or manual process to monitor or copy our website without our prior written permission;
– use any device, software or routine to bypass our robot exclusion headers, or interfere or attempt to interfere, with our website or the services;
– take any action that may cause us to lose any of the services from our internet service providers, payment processors, or other suppliers;
– use the Gofast Service to test credit card behaviors;
– add cash from a card or mobile money account that you don’t own without the owner’s permission

11. We shall not be liable for any delay or failure in the performance or in delivery or shipment of materials, or for any damages suffered by you by reason of such delay or failures, directly or indirectly caused by or in any manner arising from or connected with acts of God, acts of public enemies, riots, strikes, acts of governmental agencies, labor difficulties, failure of our power, telecommunications or other suppliers, delays in securing or shortages of raw materials, breakdown or destruction of any system or equipment, or any other cause or causes beyond our control, whether or not similar to those enumerated herein.

HOW TO CONTACT US
If you have questions or concerns regarding this Agreement or your Gofast account, or any feedback that you would like us to consider, please email us support@gofast.com.ng. You may also write to us at Gofast International Projects Ltd., Attn: Legal Department.

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