Introduction

Welcome to Golala Solutions, a product of Golala Limited ("Golala Solutions", "we", "our", or "us"). These Terms and Conditions govern your access to and use of our website, www.golalabill.com, our mobile application, and related services (the "Services").

By accessing, registering for, or using our Services, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our Services.

Description of Services

Golala Solutions provides a digital payment platform that enables users to make payments for utilities, airtime top-ups, data purchases, power, internet, cable subscriptions, toll payments, bank transfers, wallet services, virtual account services, and other digital payment services in Nigeria.

We may work with third-party payment processors, banks, wallet providers, identity verification providers, and other service providers to support payments, wallet funding, virtual account services, fraud prevention, identity verification, and related transactions.

Eligibility

To use our Services, you must:

1. Be at least 18 years of age.
2. Have the legal capacity to enter into binding agreements.
3. Provide accurate, complete, and current information when registering or making transactions.
4. Use the Services only for lawful purposes and in accordance with these Terms and Conditions.

Account Registration and Security

To access certain features of the Services, you may be required to create an account and provide personal, contact, payment, and identity verification information.

By creating an account, you agree to:

1. Provide accurate, complete, and up-to-date information.
2. Keep your login details, password, PIN, OTP, and other security credentials confidential.
3. Accept responsibility for all activities carried out through your account.
4. Notify us immediately if you suspect unauthorised access, fraud, or misuse of your account.

Golala Solutions shall not be responsible for losses arising from your failure to protect your account credentials, unless such loss is directly caused by our proven negligence or breach of applicable law.

Identity Verification and KYC

Golala Solutions may require users to complete identity verification, Know Your Customer (KYC) checks, liveness verification, or other security checks before accessing certain Services, increasing transaction limits, funding a wallet, using virtual account services, or completing selected transactions.

Identity verification may include the collection and processing of personal information, identity documents, selfie images, liveness images or videos, and verification results. These checks may be carried out by Golala Solutions or by trusted third-party identity verification providers, including Smile ID.

We reserve the right to refuse, delay, suspend, restrict, or cancel access to any Service where verification is incomplete, unsuccessful, suspicious, inconsistent, or required by law, regulation, fraud prevention rules, or our internal security controls.

Payment Methods

Payments on Golala Solutions may be processed using third-party payment systems. Available payment methods may include:

1. Credit or debit cards
2. Bank transfers
3. Wallet balance
4. Virtual account payments
5. Mobile wallets
6. Other supported payment methods made available from time to time

By using these payment methods, you may also be subject to the terms, conditions, fees, and privacy policies of the relevant banks, payment processors, card networks, wallet providers, or other third-party service providers.

Golala Solutions is not responsible for errors, delays, declined payments, reversals, chargebacks, service interruptions, or processing failures caused by third-party processors, banks, networks, or providers.

Wallet and Virtual Account Services

Where wallet or virtual account services are made available, they are provided to help users fund accounts, make payments, and complete supported transactions through the Golala Solutions platform.

Wallet balances, virtual account details, limits, funding methods, withdrawal options, and transaction availability may be subject to verification status, service provider rules, regulatory requirements, fraud checks, and platform limits.

We reserve the right to place limits on wallet funding, transfers, withdrawals, or transactions where required for security, fraud prevention, risk management, regulatory compliance, or operational reasons.

User Responsibilities

By using our Services, you agree to:

1. Use the platform only for lawful and authorised purposes.
2. Provide accurate and up-to-date information for all transactions.
3. Keep your account credentials secure and confidential.
4. Review and confirm all transaction details carefully before completing a payment.
5. Ensure that you have sufficient funds before initiating a transaction.
6. Comply with all applicable laws, regulations, and third-party provider requirements.
7. Notify us immediately of any unauthorised access, suspicious activity, or transaction error.

Prohibited Activities

You must not use Golala Solutions for any unlawful, fraudulent, abusive, or unauthorised purpose, including:

1. Fraud, money laundering, terrorist financing, or other financial crime.
2. Using false, stolen, misleading, or unauthorised identity or payment information.
3. Attempting to bypass KYC, fraud checks, transaction limits, or security controls.
4. Interfering with, damaging, disrupting, or gaining unauthorised access to our systems.
5. Using the Services in a way that violates any law, regulation, third-party right, or provider rule.
6. Creating multiple accounts for abusive, fraudulent, or deceptive purposes.

We may suspend, restrict, report, or terminate accounts involved in prohibited activity.

Service Fees

Certain services or transactions may attract fees, service charges, provider charges, exchange rate differences, or other applicable costs. Any applicable charges will be displayed or made available to you before the transaction is completed where required.

By proceeding with a transaction, you agree to pay the stated fees and charges.

Transaction Confirmation

You are responsible for checking all transaction details before confirming a payment, including recipient details, account numbers, phone numbers, biller details, amount, product type, and service provider.

Once a transaction has been submitted or processed, it may not be possible to cancel, reverse, or amend it, especially where the transaction has already been sent to a third-party provider, bank, biller, or network operator.

Refund and Cancellation Policy

1. Transactions completed through Golala Solutions are generally final and non-refundable, except where required by law or where an error is directly attributable to our platform.
2. Any approved refund will be processed in line with the applicable provider’s procedures, rules, and timelines.
3. Refunds may not be available for successful airtime, data, bill payment, power, cable, toll, wallet, bank transfer, or virtual account transactions once processed by the relevant provider.
4. Users are strongly encouraged to verify transaction details before confirming payment.

Service Availability

We aim to provide reliable access to our Services, but we do not guarantee that the Services will always be available, uninterrupted, error-free, or free from delays.

Services may be affected by maintenance, upgrades, third-party provider downtime, network issues, bank delays, regulatory requirements, technical problems, or events beyond our reasonable control.

Limitation of Liability

Your use of Golala Solutions and its Services is at your own risk, to the fullest extent permitted by applicable law. Golala Solutions shall not be liable for any direct, indirect, incidental, consequential, punitive, special, or exemplary damages, including but not limited to loss of revenue, profit, goodwill, business opportunity, data, funds, or other intangible losses arising from or connected with your use of the Services.

Without limiting the above, Golala Solutions shall not be responsible for:

1. Errors, delays, interruptions, or failures caused by third-party payment processors, banks, billers, networks, or service providers.
2. Losses resulting from unauthorised access to your account due to your failure to safeguard your credentials.
3. Failed, delayed, duplicated, reversed, or incomplete transactions caused by incorrect information provided by you.
4. Transactions declined or delayed due to insufficient funds, provider downtime, fraud checks, account limits, or regulatory requirements.
5. Losses caused by events outside our reasonable control, including network failures, power outages, cyber incidents, system maintenance, or third-party service disruption.

These limitations apply regardless of the legal basis of the claim, whether in contract, tort, negligence, statute, or otherwise, to the maximum extent permitted by law.

Intellectual Property

All content on www.golalabill.com, our mobile application, and our Services, including text, graphics, branding, logos, icons, designs, software, source code, databases, and other materials, is the property of Golala Limited or its licensors and is protected by applicable intellectual property laws.

You may not copy, reproduce, modify, distribute, republish, reverse engineer, sell, license, or use any content or software from our Services without prior written permission from Golala Limited.

Privacy and Data Protection

Our collection and use of personal data is explained in our Privacy Policy. By using our Services, you agree that we may collect, process, store, and share your information as described in our Privacy Policy and as required to provide the Services, complete transactions, verify identity, prevent fraud, and comply with applicable laws.

Suspension or Termination of Use

We reserve the right to suspend, restrict, limit, or terminate your access to the Services at our sole discretion where:

1. You violate these Terms and Conditions.
2. You provide false, incomplete, misleading, or unverifiable information.
3. You fail or refuse to complete required identity verification or KYC checks.
4. You engage in fraudulent, suspicious, abusive, or unlawful activity.
5. Your account is linked to chargebacks, disputes, unauthorised transactions, or high-risk activity.
6. Suspension or termination is required by law, regulation, court order, provider rule, or competent authority.
7. We need to protect Golala Solutions, our users, our partners, or the integrity of our platform.

Where appropriate, we may also report suspicious or unlawful activity to relevant authorities, regulators, financial partners, or service providers.

Modifications to Terms

We may update, revise, or modify these Terms and Conditions at any time. Any changes will become effective once posted on our website, mobile application, or other official communication channel.

Your continued use of the Services after such changes are posted constitutes your acceptance of the updated Terms and Conditions.

Governing Law

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of Nigeria. Any dispute arising out of or relating to these Terms and Conditions or the use of our Services shall be subject to the exclusive jurisdiction of the competent courts of Nigeria.

Contact Us

If you have any questions about these Terms and Conditions, please contact us:

Golala Solutions
Email: support@golalabill.com
Website: www.golalabill.com
Support: support.golalabill.com