TopCharge

To register for and use the Services, you must be at least 18 years of age, or the age of legal majority in your jurisdiction if higher, and have the legal capacity to enter into a binding agreement. By using the Services, you represent and warrant that you meet these requirements, that the information you provide is accurate and complete, that you are not acting on behalf of an undisclosed third party, and that you are not barred from using the Services under any applicable law, regulation, or sanctions program. We may refuse, suspend, or terminate access where these requirements are not met.

You may withdraw available Funds from your Account using the methods we make available, subject to verification, applicable limits, and these Terms. Withdrawal and settlement times may vary depending on the method, the receiving institution, and our risk and compliance checks. We may require additional verification before processing a withdrawal and may hold or delay a withdrawal where necessary to comply with our legal obligations or to investigate suspected fraud or misuse.

Your use of the Services may be subject to fees and charges, which are disclosed within the Services or in an applicable fee schedule. You authorize us to deduct applicable fees from your Account or from the relevant Transaction. We may introduce or vary fees from time to time and will provide notice of material changes as required by applicable law. You are responsible for any taxes, levies, or third-party charges (such as network or bank charges) that apply to your use of the Services.

Transactions are generally final once processed. Refunds for purchases or top-ups made with Merchants are subject to the relevant Merchant's policies, and disputes regarding goods or services are a matter between you and the Merchant. If you believe a Transaction was unauthorized, erroneous, or processed incorrectly, you must notify us promptly using the contact details in these Terms. We will investigate reported issues and may, where appropriate and permitted, reverse or adjust a Transaction. We may also reverse Transactions credited to your Account in error or as a result of fraud or system failure.

You are responsible for maintaining the confidentiality and security of your login credentials, PIN, and registered device, and for all activity carried out through your Account. You must not share your credentials with any other person. You agree to notify us immediately if you become aware of any loss, theft, unauthorized access, or suspected compromise of your Account or device. We may require you to re-authenticate, reset credentials, or take other steps to protect your Account, and we may suspend access where we believe your Account security has been compromised.

If your Account remains inactive for a prolonged period, we may classify it as dormant and apply restrictions, require re-verification before further use, or apply maintenance fees and handle any remaining balance in accordance with applicable law. We will act in accordance with applicable legal requirements, including any obligations relating to unclaimed funds.

We are subject to anti-money-laundering, counter-terrorist-financing, sanctions, and other legal and regulatory obligations. You agree to cooperate with our compliance requirements, including providing information and documentation upon request. We may monitor, screen, delay, decline, freeze, or report Transactions and Account activity as required to meet these obligations, and we may be prevented by law from disclosing the reason for certain actions. You agree to use the Services only for lawful purposes and in compliance with all applicable laws.

The Services, including the application, website, software, content, designs, trademarks, logos, and other materials, are owned by or licensed to Top Charge and are protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for their intended personal, non-commercial purpose, in accordance with these Terms. You must not copy, modify, distribute, sell, reverse-engineer, or create derivative works from any part of the Services except as permitted by law or with our prior written consent. All rights not expressly granted are reserved.

The Services may allow you to interact or transact with Merchants and other third parties, and may integrate with or link to third-party products and services. We do not control and are not responsible for the goods, services, content, or conduct of any third party, and any dealings between you and a third party are solely between you and that third party. Third-party products and services may be subject to their own terms and policies, which you are responsible for reviewing. The availability of a third party through the Services does not constitute our endorsement.

By using the Services, you consent to receive communications from us electronically, including through the application, by email, by SMS, or by push notification. You agree that electronic communications satisfy any legal requirement that such communications be in writing. We may send you service-related communications, such as Transaction confirmations, security alerts, statements, and legal or regulatory notices, which form part of the Services. It is your responsibility to keep your contact details current and to regularly review notices sent to you.

To the maximum extent permitted by applicable law, the Services are provided "as is" and "as available," without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Services will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the Services are free of harmful components. Any material obtained through the Services is accessed at your own discretion and risk.

To the maximum extent permitted by applicable law, Top Charge and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business, arising out of or in connection with your use of, or inability to use, the Services, even if advised of the possibility of such damages. To the extent we are found liable, our total aggregate liability arising out of or relating to the Services will not exceed the amount of fees you paid to us for the Services in the [twelve (12)] months preceding the event giving rise to the claim, or the minimum amount required by applicable law. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.

You agree to indemnify, defend, and hold harmless Top Charge and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in connection with your use of the Services, your breach of these Terms, your violation of any law or the rights of any third party, or any Transaction you initiate.

We may modify these Terms from time to time to reflect changes in our Services, business, or legal or regulatory requirements. When we make material changes, we will notify you through the Services or by other appropriate means and update the "Last Updated" date above. Your continued use of the Services after the changes take effect constitutes your acceptance of the revised Terms. If you do not agree to the changes, you must stop using the Services and may close your Account.

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect your personal information. By using the Services, you acknowledge that you have read and understood the Privacy Policy.

We will not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from events beyond our reasonable control, including natural disasters, power or network failures, acts of government or regulators, changes in law, civil unrest, cyber-attacks, or failures of third-party service providers, banks, or telecommunications networks.

These Terms, and any dispute or claim arising out of or in connection with them or the Services, are governed by the laws of [governing jurisdiction], without regard to its conflict-of-laws principles. You agree that any dispute will be subject to the exclusive jurisdiction of the courts of [governing jurisdiction], or, where the parties agree or applicable law provides, resolved through binding arbitration in accordance with [applicable arbitration rules]. Before initiating formal proceedings, you agree to first contact us in an effort to resolve the matter informally.

If you have any questions about these Terms or the Services, or wish to contact us for any reason, please use the details below: