Terms of Use
1. Who we are and what stage this is
Qwei is a payments application under active development, provided to early users before public launch. Features can change, improve, and occasionally pause while a build is repaired. We don't present as finished what isn't: anything not yet live is described in the app and on our site as coming soon, not implied.
2. Eligibility and accounts
- You must be at least 18 years old and located in Nigeria to hold a Qwei account.
- One person, one account. Keep your registration details accurate and current.
- You are responsible for your account: your password, your PIN, the device holding your biometrics, and activity that occurs through your credentials. Tell us promptly if you believe your account is being used without your permission.
- Never share your payment PIN. No legitimate Qwei staff member will ask you for it, and no QR code, link, message or call can compel a payment — a payment only happens when the app asks for your PIN with the details on screen.
3. How money moves
- Paying: scan or tap a Qwei code or link, review recipient and amount, confirm with your PIN or biometrics. The app then relies on the server's verification — a payment is accepted only when the server reports it as successful.
- Requests: codes and links you share are requests, never charges. Whoever holds them must still review and confirm. QRs with a set amount expire at the time you set; personal QR codes let the payer enter the amount.
- NFC: tapping two phones together exchanges a payment request. Nothing moves on the tap itself.
- Verification truth: if the network fails mid-payment, the app cannot invent an outcome — it will show the transaction as unverified or pending and you can re-check the status. We will never show success we cannot verify.
- Funding: wallet funding will run through a licensed Nigerian payment processor once released; processor verification requirements (such as identity checks) will apply to, and transactions may be limited by, applicable regulatory rules.
4. Rules of use
- Use Qwei only for lawful purposes with money you're entitled to control.
- Don't use Qwei for fraud, money laundering, terrorism financing, pyramid schemes, unlawful gambling, transactions with sanctioned parties, or to harm or deceive other people.
- Don't attack the service: no probing, reverse-engineering security controls, or attempting to access other accounts or data that isn't yours.
- Don't try to make a payment look confirmed when the server hasn't reported it as confirmed, or bypass the review/confirm steps in any way.
5. Transfers and reversals
- A completed transfer — one the server reported successful after your confirmation — is final. Disputes with a counterparty about goods, services or promises are between you and them.
- Report suspected unauthorized or erroneous transactions promptly through support. We will investigate in line with applicable Nigerian payments regulation; reversal is not guaranteed and depends on the investigation's outcome.
- Request amounts, expiry times and codes give you control over what you ask for — use sensible expiry periods when asking for money.
6. Service availability
Qwei is provided as-is, during pre-launch. We aim for continuous availability and server-verified accuracy, but networks fail, features change, and maintenance happens. Interruptions do not create liability beyond what Nigerian law requires. We may suspend or close accounts that break these terms, engage in fraud, or endanger the service or other users — with notice where practicable.
7. Changes
These terms will evolve: with new features (funding, payouts, promos) and new legal duties. Material changes will be highlighted in the app and on this site with a fresh effective date. Continuing to use Qwei after a change means you accept it.
8. Contact
Questions, disputes and reports: the in-app support entry (Profile) is coming soon; until it ships, reach the Qwei team through the project's published channels.
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