Terms & Conditions

FlowAfric Ltd, Registered in Nigeria

Last updated: January 2025

Welcome to FlowAfric!

By using our app, you agree to the following rules and responsibilities:

1. Account & Wallet

Users can deposit, withdraw, and transfer funds within the FlowAfric app.
All wallet balances are securely stored and can only be used for services offered in the app.
Users are responsible for keeping their account credentials secure.

2. Payments & Fees

Merchant transactions incur a 1% fee.
Other service fees (including calls, subscriptions, and crypto transactions) are deducted from wallet balance according to the published pricing inside the app.
Users must have sufficient wallet balance to use any service.

3. VoIP & Calls

Users can make calls to PSTN numbers and other FlowAfric users.
Call charges are deducted directly from the wallet.
Call quality may vary depending on network conditions.

4. Subscriptions

FlowAfric may offer subscription plans for services such as VoIP.
Subscription fees are deducted from wallet balance.
Subscriptions may auto-renew unless canceled by the user. Users will be notified before each renewal.

5. Messaging

Users can send text messages and media (images, videos) within the app.
All messages and calls are end-to-end encrypted.

6. Location Services

FlowAfric collects your location to provide location-based services, such as showing nearby merchants in FlowHub.
Location data is only collected when permission is granted and can be disabled at any time in device settings.

7. User Responsibilities

Do not share your account or wallet credentials.
Use FlowAfric services lawfully and in accordance with local regulations.

8. Changes to Terms

FlowAfric Ltd reserves the right to update these Terms & Conditions at any time.
Continued use of the app constitutes acceptance of the updated terms.

Questions about our Terms?

If you have any questions about these Terms & Conditions, please contact us.

Contact Support