📜 Terms and Conditions

1. Acceptance of Terms

Welcome to Honeysub. These Terms and Conditions ("Terms", "Agreement") constitute a legally binding agreement between you ("User", "You", "Your") and Honeysub ("We", "Us", "Our", "Company"), governing your access to and use of the Honeysub website located at https://honeysub.com.ng and all related services, features, and content (collectively, the "Platform" or "Services").

1.1 Binding Agreement

Your use of the Platform constitutes your acceptance of these Terms. This Agreement becomes effective immediately upon your first use of our Services and remains in effect until terminated in accordance with the provisions herein.

1.2 Capacity to Accept

By accepting these Terms, you represent and warrant that you have the legal capacity to enter into a binding agreement and that you are not prohibited from using the Services under Nigerian law or any other applicable jurisdiction.

2. Definitions

For the purposes of these Terms, the following definitions shall apply:

3. Eligibility and Account Registration

3.1 Age and Legal Capacity

3.2 Account Registration Requirements

To create a Honeysub account, you must provide:

3.3 Account Responsibilities

As an account holder, you agree to:

• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized access or security breach
• Accept responsibility for all activities conducted through your account
• Keep your account information accurate and up to date
• Not share your account with others or allow others to access your account
• Use a strong, unique password and change it regularly
• Log out of your account after each session, especially on shared devices

3.4 Account Restrictions

3.5 Account Verification

We reserve the right to verify your identity and request additional documentation at any time. Failure to provide requested verification may result in account limitations or suspension until verification is completed.

4. Services Provided

Honeysub is a registered bill payment platform that facilitates the purchase of various utility services and digital products. We act as an intermediary between you and service providers.

4.1 Available Services

4.2 Service Availability

While we strive to ensure continuous service availability, we do not guarantee uninterrupted access to the Platform. Services may be temporarily unavailable due to:

• Scheduled maintenance and system upgrades
• Emergency technical issues or system failures
• Service provider downtime or network issues
• Force majeure events beyond our control
• Regulatory or legal requirements

4.3 Service Modifications

We reserve the right to modify, suspend, or discontinue any service, feature, or functionality at any time without prior notice. We are not liable for any modification, suspension, or discontinuation of services.

4.4 Third-Party Service Providers

5. User Obligations and Responsibilities

5.1 Lawful Use

You agree to use the Platform only for lawful purposes and in accordance with these Terms. You shall not:

• Violate any applicable local, national, or international law or regulation
• Infringe upon or violate the intellectual property rights of others
• Transmit any harmful, threatening, abusive, defamatory, or offensive content
• Engage in any fraudulent, deceptive, or misleading practices
• Interfere with or disrupt the Platform or servers connected to it
• Attempt to gain unauthorized access to any part of the Platform
• Use the Platform to harm minors in any way
• Impersonate any person or entity or misrepresent your affiliation

5.2 Accurate Information

5.3 Transaction Verification

Before completing any transaction, you must:

• Carefully verify all entered information
• Confirm the service type and amount
• Review transaction details before final confirmation
• Ensure sufficient funds for the transaction
• Keep records of all transactions for your reference

5.4 Account Security

You are responsible for:

• Maintaining the security and confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Taking reasonable precautions to prevent unauthorized access
• Using secure internet connections when accessing your account

5.5 Prohibited Transaction Types

6. Payment Terms and Pricing

6.1 Payment Methods

We accept the following payment methods through our secure payment processor, Paystack:

6.2 Pricing and Fees

• Service Pricing: All prices are displayed in Nigerian Naira (₦) and are inclusive of applicable taxes
• Price Changes: We reserve the right to modify our pricing at any time. Changes will be effective immediately upon posting
• Service Fees: We may charge service fees or convenience fees for certain transactions. These fees will be clearly displayed before transaction confirmation
• Discounts: Promotional discounts may be offered from time to time. Terms and conditions apply to all promotional offers

6.3 Payment Authorization

By providing payment information and confirming a transaction, you authorize us to charge the specified amount for the requested service. You represent and warrant that:

• You have the legal right to use the payment method provided
• The payment information provided is accurate and current
• You have sufficient funds or credit to complete the transaction
• You authorize the payment processor (Paystack) to process the payment

6.4 Payment Security

6.5 Failed Payments

If a payment fails, we will notify you immediately. You may retry the payment or contact our support team. If you are debited but the transaction fails, an automatic refund will be processed within 24-72 hours by our payment processor.

6.6 Currency

All transactions are conducted in Nigerian Naira (NGN). If you are using a payment method in a different currency, your bank or payment provider may apply conversion rates and international transaction fees.

7. Transaction Processing

7.1 Transaction Completion

A transaction is considered complete when:

1. Payment has been successfully processed and confirmed
2. The service has been delivered to the specified recipient
3. You receive a transaction confirmation via email and/or SMS

7.2 Processing Times

7.3 Transaction Confirmations

You will receive transaction confirmations via:

• Email to your registered email address
• SMS to your registered phone number
• In-platform notification in your account dashboard
• Transaction history accessible in your account

7.4 Transaction Disputes

If you believe a transaction was processed incorrectly, you must notify us within the timeframes specified in our Refund Policy. Provide all relevant information including transaction reference numbers and supporting documentation.

7.5 Service Delivery Confirmation

8. Prohibited Activities

8.1 Fraudulent Activities

• Using stolen credit cards, bank accounts, or payment information
• Creating fake accounts or using false identities
• Conducting unauthorized transactions
• Engaging in money laundering or terrorist financing
• Attempting to defraud Honeysub or other users
• Colluding with others to commit fraud

8.2 Platform Abuse

• Reverse engineering, decompiling, or disassembling the Platform
• Using automated scripts, bots, or crawlers without authorization
• Attempting to bypass security measures or access restrictions
• Exploiting bugs, glitches, or vulnerabilities for personal gain
• Overloading or attempting to crash the Platform infrastructure
• Interfering with other users' access to the Platform

8.3 Unauthorized Commercial Use

• Reselling services without an authorized reseller agreement
• Using the Platform for commercial purposes without permission
• Creating competing services using our Platform
• Scraping content or data from the Platform

8.4 Account Violations

• Creating multiple accounts to circumvent restrictions
• Sharing account credentials with unauthorized parties
• Selling or transferring your account to others
• Using someone else's account without permission

8.5 Malicious Activities

• Uploading viruses, malware, or malicious code
• Phishing or attempting to obtain other users' information
• Spamming or sending unsolicited communications
• Harassing, threatening, or abusing other users or staff

8.6 Consequences of Prohibited Activities

9. Intellectual Property Rights

9.1 Ownership

All content on the Honeysub Platform, including but not limited to text, graphics, logos, images, software, code, design, and compilation, is the exclusive property of Honeysub or its licensors and is protected by Nigerian and international copyright, trademark, and other intellectual property laws.

9.2 Trademarks

"Honeysub" and all related logos, product names, and service names are trademarks or registered trademarks of Honeysub. You may not use these marks without our prior written permission.

9.3 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for personal, non-commercial purposes in accordance with these Terms. This license does not include any right to:

• Modify, copy, or create derivative works from the Platform
• Distribute, sell, or sublicense the Platform or its content
• Download or extract content for commercial purposes
• Remove copyright or proprietary notices

9.4 User Content

By submitting content to the Platform (such as reviews, feedback, or support communications), you grant Honeysub a worldwide, royalty-free, perpetual license to use, reproduce, modify, and display such content for business purposes.

9.5 DMCA and Copyright Infringement

We respect intellectual property rights. If you believe content on our Platform infringes your copyright, please contact us at legal@honeysub.com with detailed information about the alleged infringement.

10. Privacy and Data Protection

10.1 Privacy Policy

Your use of the Platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

10.2 Data Collection and Use

By using the Platform, you acknowledge and agree that we may:

• Collect personal and transaction information as described in our Privacy Policy
• Use your information to provide, maintain, and improve our Services
• Share information with service providers as necessary for service delivery
• Process your data in accordance with Nigerian Data Protection Regulations

10.3 Data Security

We implement industry-standard security measures to protect your information. However, no method of transmission or storage is 100% secure. You acknowledge that you provide information at your own risk.

10.4 Consent

By using the Platform, you consent to the collection, use, and sharing of your information as described in our Privacy Policy and these Terms.

11. Disclaimers and Warranties

11.1 "As Is" and "As Available" Basis

THE PLATFORM AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

11.2 No Warranty of Service Quality

We do not warrant that:

• The Platform will be uninterrupted, secure, or error-free
• Services will meet your specific requirements or expectations
• The quality of services will meet your standards
• All errors or defects will be corrected
• The Platform will be available at all times

11.3 Third-Party Services Disclaimer

11.4 Information Accuracy

While we strive to provide accurate information, we do not warrant the accuracy, completeness, or reliability of any content on the Platform. Information may become outdated or may contain errors or omissions.

11.5 System Compatibility

We do not guarantee that the Platform will be compatible with all devices, browsers, or operating systems. You are responsible for ensuring your equipment meets the necessary technical requirements.

12. Limitation of Liability

12.1 Maximum Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HONEYSUB'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE AMOUNT YOU PAID TO HONEYSUB IN THE SIX (6) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR FIVE THOUSAND NAIRA (₦5,000), WHICHEVER IS GREATER.

12.2 Exclusion of Consequential Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HONEYSUB SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Loss of goodwill or reputation
• Cost of substitute services
• Personal injury or property damage

12.3 No Liability for User Error

We are not liable for losses resulting from:

• Incorrect information provided by you during transactions
• Your failure to verify transaction details
• Unauthorized access to your account due to your negligence
• Your violation of these Terms

12.4 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, riots, government actions, natural disasters, internet failures, or service provider failures.

12.5 Basis of the Bargain

You acknowledge that these limitations of liability reflect the allocation of risk between you and Honeysub and that we would not enter into this Agreement without these limitations.

13. Indemnification

13.1 Your Indemnification Obligation

You agree to indemnify, defend, and hold harmless Honeysub, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Platform
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of any applicable laws or regulations
• Any content you submit to the Platform
• Your negligence or willful misconduct

13.2 Defense and Settlement

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you. You agree to cooperate with our defense of such claims.

14. Account Termination

14.1 Termination by You

You may terminate your account at any time by contacting our support team. Upon termination:

• You will lose access to your account and transaction history
• Any remaining wallet balance may be withdrawn subject to verification
• Pending transactions will be completed before account closure
• Your personal data will be handled according to our Privacy Policy

14.2 Termination by Honeysub

We reserve the right to suspend or terminate your account immediately, without prior notice, if:

• You violate these Terms or any applicable laws
• We suspect fraudulent, abusive, or illegal activity
• You engage in prohibited activities
• Your account is inactive for an extended period
• Required by law or regulatory authorities
• We discontinue the Platform or Services

14.3 Effect of Termination

Upon termination of your account:

• All licenses granted to you will immediately cease
• You must cease all use of the Platform
• Sections of these Terms that by their nature should survive will remain in effect
• We may retain certain information as required by law or for legitimate business purposes

14.4 No Refund Upon Termination

15. Dispute Resolution

15.1 Informal Resolution

In the event of any dispute, controversy, or claim arising out of or relating to these Terms or your use of the Platform, you agree to first contact us at support@honeysub.com to attempt to resolve the dispute informally.

15.2 Mediation

If informal resolution is unsuccessful within 30 days, either party may request mediation through a mutually agreed mediator or mediation service in Lagos, Nigeria.

15.3 Arbitration

If mediation fails, any unresolved dispute shall be settled by arbitration in accordance with the Arbitration and Conciliation Act of Nigeria. The arbitration shall take place in Lagos, Nigeria.

15.4 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

15.5 Judicial Proceedings

If arbitration is not feasible or is deemed unenforceable, you agree that any judicial proceedings shall be brought exclusively in the courts located in Lagos, Nigeria.

16. Governing Law

16.1 Applicable Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions.

16.2 Regulatory Compliance

Honeysub operates in compliance with:

• Companies and Allied Matters Act (CAMA)
• Central Bank of Nigeria (CBN) regulations on electronic payments
• Nigeria Data Protection Regulation (NDPR) 2019
• Nigeria Data Protection Act (NDPA) 2023
• Consumer Protection Council (CPC) regulations
• All other applicable Nigerian laws and regulations

16.3 Jurisdiction

You agree to submit to the personal and exclusive jurisdiction of the courts located in Lagos, Nigeria, for the resolution of any disputes arising from these Terms or your use of the Platform.

17. Modifications to Terms

17.1 Right to Modify

We reserve the right to modify, amend, or update these Terms at any time at our sole discretion. Changes may be made to reflect:

• Changes in applicable laws or regulations
• New features or services
• Security enhancements
• Business or operational changes
• User feedback or concerns

17.2 Notification of Changes

When we make material changes to these Terms, we will:

• Update the "Last Updated" date at the top of this page
• Send notification to your registered email address
• Display a prominent notice on the Platform
• Provide reasonable notice before changes take effect (where applicable)

17.3 Acceptance of Changes

Your continued use of the Platform after changes to these Terms constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must discontinue use of the Platform and may request account termination.

17.4 Version History

We maintain a history of material changes to these Terms. You may request a copy of previous versions by contacting legal@honeysub.com.

Additional Provisions

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of Honeysub.

Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign or transfer these Terms without restriction.

Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Honeysub regarding your use of the Platform and supersede all prior agreements and understandings.

Headings

The headings used in these Terms are for convenience only and shall not affect the interpretation of these Terms.

Language

These Terms are written in English. In the event of any conflict between the English version and any translation, the English version shall prevail.

Electronic Communications

You consent to receive electronic communications from us, including emails, SMS, and platform notifications. These electronic communications satisfy any legal requirement for written communication.

18. Contact Information

For questions, concerns, or inquiries regarding these Terms and Conditions, please contact us: