Introductions

These Terms & Conditions (“Terms”) govern your access to and use of the Presto Hq website, mobile application, and related services (“Services”). By accessing or using our Services, you agree to comply with and be bound by these Terms. If you do not agree, you must not use our Services.

Eligibility

By using our Services, you confirm that you:

• Are 18 years of age or older;
• Have the legal capacity to enter into binding agreements.
• Will comply with all applicable laws and regulations.

Services Provided

Presto Hq provides digital financial services through its website and app, including but not limited to:

• Payment-related services to facilitate secure transactions.
• Gift card services, including purchase, redemption, and conversion.
• Cryptocurrency services, including conversion between supported digital assets and fiat.
• Other related offerings as may be introduced or updated from time to time.

User Responsibilities

When using our Services, you agree to:

• Provide accurate and up-to-date information.
• Maintain the confidentiality of your login details.
• Not engage in fraudulent, abusive, or unlawful activities.
• Use our Services only for lawful purposes.

Fees and Payments

• Fees for Services, where applicable, will be clearly communicated before you make payment.
• Payments are processed through authorized payment processors.
• By submitting payment information, you authorize us and our processors to charge your account.

Intellectual Property

All content, trademarks, graphics, logos, designs, and software made available through our Services are the property of Presto Hq or our licensors.

• You may not copy, modify, distribute, or exploit our intellectual property without written permission.
• Any unauthorized use may result in legal action.

Data & Privacy

Your use of our Services is also governed by our Privacy Policy, which explains how we collect, use, and share your information. By using our Services, you agree to our Privacy Policy.

Third-Party Services

Our Services may contain links to third-party websites or tools. Presto Hq is not responsible for the content, policies, or practices of third-party services.

Limitation of Liability

To the maximum extent permitted by law:

• Presto Hq is not liable for any indirect, incidental, or consequential damages resulting from your use of our Services.
• We make no guarantees that the Services will always be uninterrupted, error-free, or secure.

Indemnification

You agree to indemnify and hold harmless Presto Hq, its affiliates, employees, and partners against any claims, damages, losses, or expenses arising from your use of the Services or violation of these Terms.

Suspension & Termination

We may suspend or terminate your access to the Services if you:

• Breach these Terms.
• Engage in unlawful activities.
• Misuse our platform or harm other users.

Governing Law & Jurisdiction

These Terms shall be governed by and construed under the laws of Nigeria. Any disputes arising will be subject to the exclusive jurisdiction of the courts in Nigeria.

Changes to Terms

We may update these Terms from time to time. If significant changes are made, we will notify you via email or a notice on our website/app. Continued use of the Services constitutes acceptance of the updated Terms.