LupoFi Terms and Conditions
Effective Date: 01-03-2025

Welcome to LupoFi.

These Terms and Conditions govern your use of our platform, services, and all related transactions. By accessing or using LupoFi, you agree to comply with these terms.

1. Acceptance of Terms: By using LupoFi, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions. If you do not agree, you may not use our services.

2. About LupoFi: LupoFi operates as a financial technology platform leveraging the MoiPayWay OmniChain infrastructure to facilitate secure and efficient financial transactions for pilgrims and global businesses.

3. Eligibility
To use LupoFi, you must:
Be at least 18 years old or the legal age of majority in your jurisdiction.
Provide accurate and complete registration information.
Comply with all applicable laws and regulations.

4. Services Provided

LupoFi offers the following services:
Multi-Currency Wallets and Cards: Users can manage and transact in multiple currencies securely.
E-Commerce Marketplace and Logistics: Secure transactions and blockchain-powered logistics management.
Cross-Border Remittances and Bulk Payments: Fast, cost-effective international transactions.
Financial Inclusion Solutions: Services tailored for underserved populations, including pilgrims and small businesses.

5. User Accounts and Security

You are responsible for maintaining the confidentiality of your account credentials.
Any unauthorized access must be reported immediately.
LupoFi is not liable for losses resulting from compromised accounts due to user negligence.

6. Payments and Fees

LupoFi may charge transaction fees, processing fees, or other applicable costs, which will be disclosed at the time of the transaction.
Fees are subject to change with prior notice.
All payments processed through LupoFi are final, except where refunds are explicitly stated.

7. Compliance and Restrictions

Users must not:
Engage in fraudulent, unlawful, or deceptive activities.
Attempt to disrupt or interfere with the platform’s security.
Use LupoFi for money laundering, terrorism financing, or other prohibited financial activities.

8. Data Protection and Privacy

LupoFi adheres to strict data protection measures:
User data is securely stored and processed in compliance with applicable privacy laws.
Transactions are encrypted and protected using blockchain security mechanisms.
LupoFi does not sell or share personal data without user consent, except as required by law.

9. Intellectual Property

All trademarks, logos, and content associated with LupoFi and MoiPayWay are the exclusive property of their respective owners.
Users may not reproduce, distribute, or modify any part of the platform without prior written permission.

10. Limitations of Liability

LupoFi provides its services “as is” without warranties of any kind.
We are not responsible for service disruptions, unauthorized transactions, or losses due to third-party actions.
LupoFi’s liability is limited to the maximum extent permitted by law.

11. Termination of Services

LupoFi reserves the right to suspend or terminate accounts found in violation of these Terms.
Users may close their accounts at any time, subject to the settlement of any outstanding obligations.

12. Dispute Resolution

Any disputes shall be resolved through arbitration or legal proceedings in Nigeria.
Users agree to resolve disputes amicably before seeking legal action.

13. Amendments to Terms

LupoFi reserves the right to modify these Terms and Conditions at any time. Changes will be communicated through official channels.

14. Contact Information

For inquiries or concerns, contact us at: hello@lupofi.com.