Terms & Conditions

These Terms of Use (these “Terms”) represent an agreement between you and Mcommerce.io Inc. (“Cryptocurrency.Software”) and contain the terms and conditions governing your use of and access to our website at www.Cryptocurrency.Software and all affiliated websites owned and operated by us (collectively, the “Website”) and our products, services, and applications (together with the Website, the “Services”). 

“You” and “your” mean the person who uses or accesses the Services. 

“We,” “us,” and “our” mean Cryptocurrency.Software and its affiliates, and assignees. 

“Payment Account” means any source of funds that you may from time to time use for the funding of your Cryptocurrency.Software Wallet, including a bank account or debit or credit card account. The Payment Account must be issued or held in your name at a depository institution in your country. 

“Cryptocurrency.Software Wallet” means a non-interest-bearing account maintained by Cryptocurrency.Software for you from which your Remittances are made to your Recipients. 

“Application” or “app” means the technology made available by Cryptocurrency.Software to you on your mobile phone or other electronic device by which you may access and use the Service. 

“Recipient” means the person to whom you send money using the technology made available by Cryptocurrency.Software. 

“Remittance” means the transfer of funds that you request and authorize Cryptocurrency.Software to process through the Application for payment to your Recipient. 

“”Service” means the transfer of funds from you to your Recipient through the Application, and activities related to that transfer.

The Agreement

Your use of and access to the Services are subject at all times to these Terms and our Privacy Policy. Please read these Terms and our Privacy Policy carefully. By using or accessing the Services, you represent that you have read and understand these Terms and our Privacy Policy, and you agree to be bound by these Terms and our Privacy Policy. If you do not agree to all the terms and conditions of these Terms and our Privacy Policy, do not use or access the Services. 

Subject to the terms of the Agreement, we agree to provide the Services to you using reasonable care. You may use the Application only to send a Remittance to a Recipient located in a country where Cryptocurrency.Software payment services are provided (this will be designated on the Application from time to time). The funds will be made available for receipt by the Recipient after remittance has been processed by Cryptocurrency.Software and  its designated service providers. 

A Cryptocurrency.Software Wallet is set up by registering on the Website or Mobile device and then taking all the additional steps including verifying your email address, phone number, BVN, identity and other additional steps as we may deem necessary in the future. Where this service is available in your country, you can fund your Cryptocurrency.Software Wallet directly from your bank appor by using such other methods as we may make available from time to time. After your Cryptocurrency.Software Wallet has been funded, enter your preferred transfer amount, choose a Recipient and send money. 

You must not use the Services in connection with illegal activity including but not limited to money-laundering, fraud and the funding of terrorist organisations. If we reasonably believe you are using the Portal or our Services in connection with illegal activity or for any fraudulent purpose, or are permitting a third party to do so, we are obligated to report you to the appropriate legal authorities. 

The Service is generally available 24 hours a day, 365 days a year, although there may be times when the Service is unavailable to you or to your Recipient. Periods of unavailability may be caused by Cryptocurrency.Software’s  own acts (such as temporary periods when the Service is taken off-line to make upgrades or improvements), or by events beyond Cryptocurrency.Software’s control, such as power outages, telecommunications failures, civil unrest, natural disasters. Cryptocurrency.Software may from time to time set limits on the value of Remittances you may send (both individually and over a period of time), as well as the value of Remittances any Recipient may receive. Cryptocurrency.Software may delay payment of your Remittance to allow Cryptocurrency.Software to determine that your Remittance complies with applicable law, regulation or Cryptocurrency.Software policies. Cryptocurrency.Software has the right, without notice to you, to refuse to accept or pay any Remittance that Cryptocurrency.Software determines in our sole discretion may violate applicable law, regulation or our policies, including laws, regulations and policies intended to help detect and prevent money-laundering, terrorist financing, fraud, and other abuses of financial services; if we accept a Remittance and then determine that it may violate any such law, regulation or policy, we may hold the Remittance until such time that the matter is resolved.


To use the Services, you must:

  • accept and agree to these Terms and our Privacy Policy;
  • register with us to create an account (“User Account”);
  • be at least 16 years of age;
  • be a resident of any origination country approved by Cryptocurrency.Software and have a Payment Account in your name in the approved origination country; and
  • provide all information requested by us, such as your full name, address, email address, telephone number, occupation, location, date of birth, means of identification, personal description, photograph, online credentials for your Bank Account, and such other information or documentation as we may request from time to time that will allow us to verify your identify (collectively, “User Information”).

You will choose a user identifier, which may be your email address or another term, as well as a password. You may also provide personal information, including, but not limited to, your full name, address, email address, and telephone number. You agree not to create more than one registration without our prior written permission. You are responsible for safeguarding your password and other User Account information. You agree not to disclose your password to any third party and you will notify us immediately if your password is lost or stolen or if you suspect any unauthorized use of your User Account. You represent and warrant that all User Information you provide us from time to time is truthful, accurate, current, and complete, and you agree not to misrepresent your identity or your User Information. You agree to promptly notify us of changes to your User Information by updating your Cryptocurrency.Software Account; provided, however, that you must notify us at least three Business Days before any changes to your Bank Account information, including, but not limited to, the closure of your Bank Account for any reason by emailing support@Cryptocurrency.Software or by updating your Cryptocurrency.Software Account via the Website. If we approve your registration, you will be authorized to use the Services, subject to these Terms. Providing false or inaccurate information or using the Website or Services to further fraud or unlawful activity is grounds for immediate termination of this Agreement. 

Cryptocurrency.Software’s ability to verify your identity is important to your use of the Service, you therefore authorize Cryptocurrency.Software to obtain information about you from third parties (including financial institutions and credit reporting agencies), although Cryptocurrency.Software has no obligation to do so. We reserve the right to prohibit you from using the Service or to stop your requested Remittance if you do not provide accurate and complete information during registration or when requesting a Remittance. Inaccurate and/or incomplete information provided by you during registration or when requesting a Remittance may cause errors in your requested Remittance or may delay or restrict your access to the Service.