PocketMoni Agent Terms & Conditions

The PocketMoni Agent Platform is a digital financial service solution provided by eTranzact International Plc that enables registered agents to perform transactions such as cash-in, cash-out, airtime and bill payments, fund transfers, and other approved financial services on behalf of customers, in line with the guidelines of the Central Bank of Nigeria (CBN) and other relevant authorities.

• ▸You must be at least 18 years old and legally capable of entering into a binding agreement.
• ▸You must successfully complete the agent onboarding process, which includes submission and verification of valid KYC (Know Your Customer) documentation.
• ▸eTranzact reserves the right to verify any information provided and decline applications that do not meet regulatory or internal compliance requirements.
• ▸Providing false, incomplete, or misleading information may result in immediate suspension or termination of your agent account.

As a PocketMoni Agent, you agree to:

• ▸Operate strictly within the scope of services approved by eTranzact and the CBN.
• ▸Conduct all customer transactions honestly, transparently, and issue receipts for every transaction.
• ▸Maintain the confidentiality and security of your agent credentials, wallet, and POS terminals.
• ▸Not charge unauthorized fees or engage in fraudulent, misleading, or unethical practices.
• ▸Display PocketMoni branding and agent identification at your business location as required.
• ▸Promptly report any suspicious activities, fraud attempts, or service issues to eTranzact's support team.
• ▸Ensure that customer data obtained during transactions is treated in accordance with the Nigeria Data Protection Act (NDPA), 2023.

• ▸You agree to use the PocketMoni Agent Platform solely for lawful purposes and in line with these Terms.
• ▸You must not use the Platform for any prohibited activities including money laundering, terrorism financing, or fraudulent transactions.
• ▸eTranzact reserves the right to monitor, review, or restrict your use of the Platform for compliance and security purposes.

• ▸eTranzact shall communicate applicable commissions, fees, and transaction charges to agents through the Platform or official communication channels.
• ▸All commissions are subject to periodic review and adjustment in line with market conditions and regulatory directives.
• ▸eTranzact reserves the right to modify commission structures or transaction limits with prior notice.
• ▸Agents are responsible for all third-party network charges and maintenance costs related to their operation.

• ▸All transactions must be initiated from your authorized PocketMoni Agent wallet.
• ▸You must ensure sufficient balance before initiating any transaction.
• ▸eTranzact shall not be liable for failed or incomplete transactions caused by insufficient funds, network downtime, or user error.

• ▸You are solely responsible for safeguarding your login credentials, passwords, and transaction PINs.
• ▸Any activity conducted through your agent account shall be deemed to have been performed by you.
• ▸eTranzact will not be liable for losses resulting from unauthorized access caused by your negligence or the sharing of credentials.
• ▸Report any suspicious or unauthorized access immediately through official support channels.

Your personal, business, and transaction data are processed in accordance with the Nigeria Data Protection Act (NDPA) 2023 and eTranzact's Privacy Policy.

By using the PocketMoni Agent Platform, you consent to the collection, storage, and lawful processing of your data as described in the Privacy Policy available on our website. [Privacy Policy Link]

All rights, trademarks, software, and intellectual property associated with the PocketMoni Platform are owned and reserved by eTranzact International Plc.

Agents are granted a limited, non-transferable license to use the Platform solely for authorized purposes and may not reproduce, modify, or distribute any proprietary material without written consent.

While eTranzact strives to maintain uninterrupted service, access to the Platform may occasionally be unavailable due to maintenance, system upgrades, or network disruptions.

eTranzact will not be liable for losses or damages arising from such interruptions.

To the fullest extent permitted by law:

• ▸eTranzact shall not be liable for indirect, incidental, consequential, or punitive damages arising from your use of the Platform.
• ▸Our total liability in any claim shall not exceed the total commission earned by the Agent in the three (3) months preceding the event giving rise to the claim.

eTranzact may suspend or terminate your agent account at any time if:

• ▸You breach any provision of these Terms.
• ▸There is reasonable suspicion of fraud, money laundering, or other illegal activity.
• ▸You fail to comply with regulatory requirements; or
• ▸Such action is required by law enforcement or a regulatory authority.

You may terminate your agent relationship by providing written notice to eTranzact, provided that all outstanding obligations are settled.

Any dispute arising from these Terms shall first be resolved amicably between both parties.

Where amicable resolution fails, the matter shall be referred to arbitration in Lagos, Nigeria, in accordance with the Arbitration and Conciliation Act, Cap A18, Laws of the Federation of Nigeria 2004.

The decision of the arbitrator shall be final and binding on both parties.

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

eTranzact reserves the right to update or modify these Terms at any time.

Any changes will be communicated through the PocketMoni Agent Platform, email, or other official channels.

Continued use of the Platform after such notification constitutes acceptance of the revised Terms.

For inquiries, complaints, or support, please contact: