Terms of Service

Please read the following Terms of Service carefully. By using Crust or this website, agreeing these of Service.

Customer Terms of Use of Crust

Crust is provided Crust Africa Limited ("Crust" or "We"), a limited liability company registered in Nigeria to provide electronic payment services.

You are to read and understand these terms, as they are a binding agreement between you and Crust Africa. Customers who are under (18) years age should review Terms of Use with a parent or guardian.

registering for a or Wallet or using any the provided on this website, you agree to comply with and to be bound by Terms of Use, including Privacy Policy and all rules, guidelines, policies, terms, and conditions applicable to such service, they be deemed to be incorporated into this Terms of Use and be as part and parcel of this of Use.

1. Definitions

The definitions relate to these of Use:

1.1.

"Account" or "Wallet" is an electronic stored value account on Crust for use by the customer or Agent. Credits, debits and charges are applied to Account. Account is primarily through your phone, the Crust online systems, and mobile applications.

1.2.

"Agent" refers to any party or device, including authorized Crust Agents, Merchants, ATMs, connected kiosks and tellers that facilitate Crust transactions on behalf of customers.

1.3.

"ATM"  Automated Teller Machine.

1.4.

"BVN" means Biometric Verification Number used by the industry in Nigeria and issued by a CBN approved institution.

1.5.

"CBN" means Central Bank Nigeria

1.6.

"Content" means all information whether textual, visual, audio or otherwise, on or available through the services.

1.7.

"Credit" means the movement of funds an Account or Wallet.

1.8.

"Debit"  the of funds out of an Account or Wallet.

1.9.

"IVR" stands for Interactive system, the automated phone line that a computer to recognize voice keypad inputs.

1.10.

"Linked Bank Account/Card"  to the account or or credit card that you have linked your Crust Account. This allows out transactions using funds from bank account or card instead of using your Crust Account balance.

1.11.

"Merchant" means any person or entity who offers or accepts payment for goods or services using Crust.

1.12.

"Mobile Payments" describes the service or process that to make and receive a variety of payments using their mobile phone, among other channels. This service is available as of Crust.

1.13.

"Mobile phone" means a GSM or CDMA device, which and receive calls and and receive SMS, among communication options.

1.14.

"NUBAN" means Nigerian Unified Banking Account Number.

1.15.

"OTP" means One Time Pin, used to authorize transactions or processes.

1.16.

"Crust" refers to the financial services products offered by Crust Africa, with a central feature being a account(s) that may be used in relation to a wide variety of services.

1.17.

"PIN" means personal identification number being the secret code you choose for secure use of (and access to) your Crust account.

1.18.

"Products" refer to Crust products, including person-to-person money transfer, bill payments, airtime top-up, Crust retail payments services or other Merchant products and services provided through Crust.

1.19.

"Registered phone number" refers phone number that has been registered on Crust.

1.20.

"Services"; any products and services provided to the customer part of Crust.

1.21.

"Crust Wallet" means electronic stored value account on Crust used to perform transactions.

1.22.

"Partner Service Provider:" means any person or entity that offer its services through Crust.

1.23.

"Transaction Savings Wallet": An electronic stored value account on Crust, used by the customer or Agent save, earn interest and typical Crust transactions

1.24.

"SMS" or " Service" is a standard communication service on GSM phones, which is used exchange short text messages between devices.

1.25.

"USSD" or "Unstructured Supplementary Service Data" is a real messaging channel accessed from a mobile phone and allows user to interact with Crust.

2. The Crust Offering

2.1.

Crust a service offered by Crust Africa designed to allow you to:

2.1.1

Sign up as a customer

2.1.2.

Receiving access to set products and features within Crust.

2.1.3.

Credit a Crust account with cash by;

2.1.3.1.

depositing at our agent locations;

2.1.3.2.

depositing any of our collection banks;

2.1.3.3.

funds into Crust from a Linked Bank Account/Card;

2.1.3.4.

receiving money into Crust another customer.<

2.1.4.

pay or transfer money to a third party for personal reasons or as payment physical or virtual goods or services already or to be in the future;

2.1.5.

transfer to bank account;

2.1.6.

to a Crust Account;

2.1.7.

Merchants

2.1.8.

receive money from another party personal or as payment for physical or virtual goods or services already or to be provided in the future.

2.1.9.

cash of our Agent locations, Crust centers or ATM;

2.2.

No interest will be on the balance Crust Accounts or Wallets unless you are subscribed to a on pays interest;

2.3.

Any available your Account or Wallet can utilized. However, the use of funds in your Transaction Savings will be subject to the restrictions set in this Term of Use.

2.4.

Terms of Use apply to all channels through which transactions may be carried on Crust, including SMS; IVR; Online/Internet; Online/Mobile phone application; USSD; centres and Crust network.

2.5.

We will endeavour to notify you additional features that may be offered on Crust and where necessary, the applicable means or requirements activate such features.

3. Opening a Crust Account

3.1.

We strongly recommend that minors obtain consent from their parents guardians before joining Crust providing to any third party or before sending any information about themselves to anyone over Crust channel.

3.2.

In to up to Crust, an active GSM or CDMA mobile phone subscription on mobile network is required.

3.3.

Customers are limited to one (1) Account or Wallet per phone number. Multiple phone numbers can however be linked to the same Account or Wallet.

3.4.

Upon up each account will be a Crust account number.

3.5.

set up your Account or Wallet, Crust your details including name, phone number and BVN. You must provide complete accurate information. Unregistered will not be able cash their phone number. They will have limited of registration. Also where an Account is opened without BVN or BVN, such Account will be restricted until BVN is provided and or updated such Account. Crust is required by law verify all BVN’s collected.

3.6.

By giving you BVN, you authorize Crust to collect save the BVN database part our KYC information to regulatory requirements. All KYC data will treated as confidential. You also permit us to use your to monitor, prevent and detect fraudulent activities and share the same with CBN authorised stakeholders, for the of deterring financial fraud.

3.7.

In the of verifying your identity and BVN, Crust has the sole discretion to any Account or Wallet application for a number of reasons. addition, reserve the right to opening an Account and at any during your use for supplementary information and identification documents as well as any documents that deem necessary.

3.8.

We reserve the all individuals and businesses against applicable sanction lists and the BVN watchlist database and may decline account opening applications in event they are found to be on any of the lists.

3.9.

We reserve the right to suspend or withdraw an Account or Wallet we have reasonable grounds to believe that there a breach of security of that Account or Wallet, we suspect unauthorised or fraudulent use that Account or we are required by law to so.

3.10.

If a fraudulent activity is associated with the operation of your Account or Wallet, you agree that we have right to apply restrictions your Account and report to appropriate law enforcement agencies.

4. Adding Funding Sources to your Account

4.1.

You may the funds other aside from your Account or Wallet, customers may Bank Accounts and cards to their Crust or Account.

4.2.

Confirmation and authorization your other sources by an OTP, 3D or authorization as applicable are required. Once authorized, you grant Crust Africa and your bank the authority to debit source(s) at your request or at any recurring schedule you have indicated. Your authorization is confirmed by Crust Africa with a login into the Crust platform your password or via use of PIN on USSD.

4.3.

Once a funding source has been added to your or Wallet, you grant Crust the authority to save and store the details of your funding source.

4.4.

Our information security and privacy policy will be applicable to all information stored and processed.

4.5.

setting up and of the funding sources added to your or Wallet, all payments from your Account or Wallet are deemed genuine you shall not hold Crust liable as a result of any fraud, your oversight or compromise.

4.6.

You will be responsible for any charges or penalties from 3rd parties or your bank that occurs as a of any transactions that occur on Account or Wallet and or Transaction Wallet.

4.7.

You will responsible for managing your funding sources, in terms or additions, removals updates e.g expired debit cards.

5. Transacting

5.1.

You may access the available funds in your or Wallet at any time using any of the channels you choose, including your mobile phone and the Internet. While we make reasonable attempt to provide the services as described in our marketing educational materials, services "as is" and without any warranties.

5.2.

All payments will be processed in i.e. and Kobo.

5.3.

Each transaction will a unique 5-character Transaction ID, which is used to track and identify all transactions carried on the Crust network. This number is important for a variety of uses, including dispute resolution.

5.4.

Crust will send a receipt of all transactions from your Crust Account or performed at an Agent; this may be sent via SMS, email, or another available channel.

5.5.

Some transactions on Crust USSD may require you to input your pre-configured PIN, you are solely responsible for maintaining the confidentiality your PIN and login details your Account. You must protect secrecy your PIN and login details and prevent fraudulent use of the same.

5.6.

As required the CBN, are daily limits on your Account Wallet. You can increase or reduce these limits Crust with required information, subject to the placed in terms of paragraphs 5.9.

5.7.

Your Account or Wallet will be credited with deposits made into it, and the credit will available transactions immediately after they are cleared.

5.8.

We will verify and confirm any record a deposit into your Account. will be taken as correct unless the proved.

5.9.

The table outlines customer classification Crust adopts along KYC levels along with the applicable transaction limits. You may not withdraw, transfer or make any payments that together exceed any of the per transaction or daily limits defined for your category. Should you attempt to any applicable limits, your transactions will be declined.

Crust Africa may, acting reasonably and in accordance with regulation set by the Central Bank of Nigeria, vary the limits at any time and any variation will be notified to customers. When a the transaction for your is made to your Account, we will notify you to your Account to the that to such deposit within (7) days. In the event that you fail to upgrade Account to the required category, we reserve the right to place a restriction your Account until such upgrade to the category is effected.

5.10.

For the of doubt, please note that transaction limits may be further reduced from the CBN limits, this may be done based channels or particular of transactions as part of risk control process.

5.11.

You undertake throughout the duration of use of Crust comply with anti-fraud and money regulations applicable Nigeria. In particular, you undertake to respond to request Crust Africa or a regulatory or judicial authority regarding anti-fraud and money laundering activity on your Account.

5.12.

breach of the anti-fraud and money laundering you constitutes a serious breach of this Terms Use and reserve the right to immediately suspend close your Account.

5.13.

The proceeds from suspected fraudulent or money laundering transactions shall be kept by Crust Africa pending an decision or a judicial or decision.

6. Bank Account Direct Debit

6.1.

Direct Debit Service allows you to payments for goods and services through the Crust platform and such other payment systems/channels your bank account as the funding source.

6.2.

To eligible the Direct Debit Service, must be an account holder with any of Crust Africa partner banks and possess a text-enabled cellular/wireless telephone number

6.3.

You must initiate account registration for Direct Debit by providing Crust Africa your Bank Account Number, Date of Birth and One Time Personal Identification Number (OTP) provided to you your Bank, via any of supported Crust payment systems/channels, however, we additional information register your account.

6.4.

By requesting this service, you hereby authorize your Bank and Crust Africa, directly or through third parties, to make any inquiries we consider necessary to validate your identity and/or authenticate your identity information. This may include you further information and/or documentation about your or identity, or requiring you to steps to confirm ownership of email address or telephone or instruments, and your information against third databases through sources.

6.5.

All payments the Direct Service authorized by your and authenticated by you; by way of One Time Personal Identification (OTP).

6.6.

Upon set up and authentication of the Debit Service, all payments through this service and Bank or Crust will held liable as a result of any unauthorised transaction or oversight or compromise.

6.7.

If you set up recurring payments, you hereby authorize to debit your wallet, and if a source is used, Crust and to debit the specified amount at the specified period.

7. Recurring or Subscription Payments your Crust Account

7.1.

You set up recurring payments on Crust. set up you are authorizing to Account, bank account, or saved debit/credit card, as the case may be, the specified amount at the specified period. All transactions are final. If your Crust account or bank is not funded or your debit/credit card declined at of transaction the transaction will fail.

7.2.

You may also permit a 3rd party to setup a recurring payment to debit your Crust Account or bank account or debit/credit card as the may be. All transactions are final. If your Crust Account or bank is not funded or debit/credit card is declined time of the transaction the transaction will fail.

8. Fees, Charges and Payment Terms

8.1.

While many transactions on Crust are free to customer, some transactions carry a fee. Our Crust schedules are available at all our locations, field offices, through communication with our Customer or by accessing our website. The fee provides on the fee amounts, and the and source of payment for such fees. We reserve the sole discretion the fee from to time.

8.2.

When you initiate and confirm a transaction on Crust, you agree to be bound by and pay for that transaction. not commit to a transaction unless you are ready and checked all provided information is accurate as all confirmed and transactions are final.

8.3.

Crust is designed to make payments convenient, so we allow to make payments using a number different funding e.g. your Linked Bank Accounts or Cards. When you provide us with a funding source, you also authorize:

8.3.1

The collection and storing of source information along with other related information.

8.3.2

The crediting of your chosen you perform transactions on Crust.

8.4.

When you make a payment, you authorize us (and our processor) to charge the full amount and any charges related to that transaction to the funding source you designate for the transaction. If your payment results in an overdraft or other fee from a related party, liability fees will rest with you.

8.5.

To prevent financial loss or violations the law, Crust reserves right to use its discretion in details of any payments associated with you with source issuers, law enforcement agencies, or impacted parties (including other users). Such disclosures may from an order of any court with the jurisdiction to compel such a disclosure.

9. Merchant Transactions

9.1.

When making a payment a on Crust, you will required to confirm the transaction. At this time, you may also be to enter your Password or PIN on the channel. By entering your Password or PIN to confirm you agree and confirm that you authorised the transaction. You cannot directly or cancel any payment once it has been approved by you.

9.2.

When a payment on a merchant website using Crust, you be required to log into your Crust account, before payment be made, in which case clause 5 will be applicable.

9.3.

As we are unable reverse or charge-back any payments made, should you have a dispute with any Merchant, you should resolve such disputes with the Merchant directly.

9.4.

Disputes between you and a Merchant will not affect our right to recover payments from you.

10. Transaction Savings Wallet

The Savings Wallet enables earn interest on funds.

By creating, or opting into the Transaction Savings Wallet:

10.1.

you understand that your Transaction Savings is different from your Crust or Wallet. As such, your Transaction Savings is not regulated by the Central Bank Nigeria Guidelines for mobile money or other regulations;

10.2.

you appoint Crust as your exclusive to liaise with a fund manager licenced by Securities and Commission to the funds in your Transaction Savings Wallet in Treasury Bills on your behalf;

10.3.

you consent and authorise the investment of the funds in your Transaction Savings Wallet in Treasury Bills issued by the Government of Nigeria;

10.4.

you that the funds in your Transaction Wallet will not be secured the Nigerian Deposit Corporation;

10.5.

will interest on the funds invested Transaction Savings Wallet at the applicable interest rate which will communicated to you. You understand that interest rates may vary from time to time and can therefore be adjusted without prior notice to you. Such adjustment shall be communicated to you;

10.6.

you understand based on liquidity requirements allow transact at any time and the investment, that rates on the Transaction Savings Wallet will vary from published rates on Treasury Bills;

10.7.

you agree that and/or the fund manager will not be for any loss or decline in the interest rate returns in the Savings Wallet, which you elect to use in connection your Crust Account. event will Crust and/or the fund manager be liable, directly or indirectly, to anyone for any damage loss relating to any use or reliance on any of Crust offerings. For the of doubt, these terms and conditions shall be binding upon you if you accept to use the Service.

10.8.

you reserve right to close your Transaction Savings Wallet. closing Transaction Savings Wallet, you will no longer earn interest and all funds will transferred to your main Crust Account. To close the Savings Wallet, log into your account to select the "opt-out" under settings menu, sub-menu;

10.9.

you that if your Transaction Savings Wallet closed for any reason payment of interest, interest will accrue until the date prior to the the Transaction Savings and the and principal will paid to your Crust Account net of any applicable charges and;

10.10.

you agree to Crust from any liability loss, including but not to of investment, claim, expense and attorney's arising or connected with, use Crust and or the Transaction Savings Wallet.

10.11.

you agree that against Crust may only be brought in your capacity and cannot be brought as a class in any purported class or representative action proceeding.

11. Crust Online Services

11.1.

you agree that claims against Crust may only be brought in your individual capacity and cannot be brought as a class member in any purported class or representative action proceeding.

12. and Unauthorized Use

12.1.

When up for a Crust Account, you prompted to create a unique username, password, and may prompted create a Personal Identity Number (PIN) for channels, will also be asked to provide answers to one or more questions of your choosing select a security image. You are responsible for the safekeeping and proper of these data.

12.2.

You are responsible for protecting your password, PIN and login details. view of this, you responsible for  transactions that occur  your Account as well as applicable channels  you undertake to indemnify against any claims in respect of transactions on your Account or Transaction Saving Wallet.

12.3.

If at time you believe or discover your password or PIN has been stolen or compromised, advise you login to your Account and change password or PIN. the that you are unable to change your security details advise you to our Customer Services immediately. We will place your Account hold to prevent any transactions from being carried as as we reasonably can. will remain responsible for all that occur until your Account put on hold.

12.4.

Should you dispute any purchase or withdrawal to your Account, you will required to prove that it lacked your authorization. Such transactions will be investigated once we receive an affidavit clearly stating that you had not authorised the transaction, supported proof of this.

12.5.

may ask certain questions to your identity when you call Customer Services. This method gives us your authorisation to your Account and execute your instructions. However, please note that we will never ask PIN. We advise that you do not disclose your Password or PIN to anyone under any circumstance.

12.6.

From time time, we investigate any actual, alleged or violations of this Terms and Conditions. You agree to cooperate fully in these inquiries.

13. Deposit Insurance

13.1.

Unless otherwise stated, all funds in your Crust Account shall be up the maximum coverage level for in line with Nigerian Deposit Act. This is provided by the Nigerian Insurance Deposit Corporation.

14. Statements and Transaction Records

14.1.

You may request a record of transactions on your Account at any time either via your mobile phone, online, or from a Crust field office. Unless otherwise noted at time of request, all records of transactions will be provided of charge, subject to SMS network charges.

14.2.

must inform within thirty (30) days of the date of any transaction if you think such a record transactions is inaccurate. Should fail to this within this timeframe, it be interpreted as you waiving the right to dispute any reflected the statement or to any losses from unauthorised reflected in the statement.

15. Suspension and Closure of Accounts

15.1.

We suspend, restrict, terminate the provision of our services (in whole in part) and or close your Account without liability whatsoever under the following circumstances:

15.1.1.

a request from you at time to your Account, we will do so.

15.1.2.

If you notify us that your phone has been lost or stolen or your PIN has been compromised, we account on hold.

15.1.3.

if in way we or your Account is being used fraudulently, negligently or for illegal or we do so to comply with the law, we may close your Account, restrict activity your Account suspend access to your Account.

15.1.4.

In event the suspected fraudulent or has been confirmed we will be required the regulators to report the BVN to the BVN watchlist database, with all regulatory penalties applicable.

15.1.5.

if we believe that you are in breach of these Terms of Use, you are to compromise our systems, you are unreasonably interfering services provided by us, or for any other purpose in protection of our interests, we may close your Account

15.1.6.

should you enter the incorrect Password or PIN on three (3) consecutive occasions, we lock access to your account.

15.2.

If close your Account must ensure that all debit orders linked to this are within 30 days as these debit orders will be declined after period and Crust will not accept resulting from these debit orders.

15.3.

We will not be responsible to you for any direct, indirect, consequential or special arising from any act or omission by us or any third party for whom we are responsible, whether arising in contract, delict or statute, if we close suspend your Account in accordance with this Terms and Conditions.

15.4.

In any case where your Crust Account closed for any reason and has a balance of funds, upon your to Customer Services, the will be made available to you for withdrawal barring any legal or regulatory provisions against such.

16. Account and Unclaimed Funds

16.1.

A Crust Account or shall become inactive if there has been no or depositor-initiated a period of six (6) months after the last customer or depositor initiated transaction.

16.2.

A Crust Account or Wallet shall become dormant has been no customer or depositor-initiated for a period of one (1) year after the last customer depositor- transaction.

16.3.

Inactive Account be as active with any customer initiated transactions or any deposits into the Account.

16.4.

Customer or depositor-initiated transactions include deposits, withdrawals and transfers to or from the account, bill payments and other transactions that may be on Crust platform.

16.5.

In a situation where an Account becomes dormant, Crust will:

16.5.1.

Account holder three (3) months to dormancy on the status of Account and upon dormancy, to encourage the customer transact.

16.5.2.

contact the next of kin or alternative contact if still unable to reach the customer after three (3) months dormancy.

16.5.3.

continue to reflect of dormant Account in wallets.

16.5.4.

retain all records dormant irrespective of the years of dormancy and reactivate such accounts upon request of the legitimate account owner.

16.5.5.

ensure the customer provides satisfactory KYC evidence of account ownership, reactivate dormant accounts.

16.6.

All funds deposited into any Crust Africa accounts individual or depositor without sufficient details as to the rightful will be classified funds.

16.7.

Crust Africa employ adequate to reach the collection bank for details the beneficiary.

16.8.

In the event funds deposited in the collection/pool account remain outstanding for a period of (6) months. Crust Africa shall pool all into a suspense account at a bank. The funds be warehoused until the beneficiary shows up or the corresponding bank debits Crust pool account.

17. Notices

17.1.

The physical address, email address or telephone number you supply during sign-up are regarded the preferred channels via which notices may be given and documents in legal may be served. You must notify us immediately should your physical, postal, email address or mobile phone number change.

17.2.

We are to send information to you via SMS registered phone number associated with your Account and as time to time.

17.3.

We are entitled to send any email address Account. This clause pertains to customers who have accessed and Crust services online or via the Crust mobile application.

17.4.

Any that we send you by courier or post will be considered to have within seven (7) days sending the same and any correspondence that we send to you by email or SMS be to have arrived that sent to you, unless the contrary is proved

17.5.

You should send any legal notice to us by post to our address at 176 Herbert Macaulay Way, Yaba, Lagos, Nigeria.

18. Privacy Policy

18.1.

When you sign up for you will required to provide us your name, email, gender, and birth date, among information. some cases, we may ask for information security reasons or to services you.

18.2.

You change your identifiable Crust at any time by contacting Service or accessing your account profile online. Some of such information will be updated immediately, while others may require verification before is updated.

18.3.

When you use Crust from a computer, mobile phone, or other device, we may information from that device regarding your browser type, location, and IP address, as well as the pages you visit security purposes.

18.4.

When using our mobile applications we ask to your phone contacts so you may more easily make payments in your phone contacts via the application. We also give you additional option to opt-in your contacts to be to our servers. By uploading your contacts to our servers you can now your contacts on other channels for ease of transacting to people in your contacts. We only upload to our servers if you give us the additional explicit permission. We will not share your contacts with 3 party.

18.5.

using our mobile applications, we ask for permission to be granted access the following features:

Camera: allows you take a profile picture, scan and capture payment card details make payments easier and faster;
Photo Library: allows you access to your photos as an optional source for your profile picture;
Fingerprint or Recognition: allows you securely log into the application.

We will only ask for permission the first time the user attempts to any of these functions. Thereafter the may manage access through their settings option on the device.

18.6.

We required to the details transactions you make via Crust after the is completed. This information will only be made available to third if required by law or to our representatives, professional advisers or to third-party service providers under same of confidentiality, for the purpose of enhancing our services you. We will take all reasonable steps to ensure your data is treated securely and in with Privacy Policy

18.7.

You that your information, including personal information, your telephone with our Customer Services and your transactions may be recorded and stored for record keeping purposes for up to five (6) years from date of closure of your Account.

18.8.

We use server firewalls and encryption to keep Account information safe during transmission in storage. We also use automated and social to enhance security, as analyzing an account behaviour for fraudulent or anomalous behaviour, may limit use of Crust features in response to signs of abuse, may suspend or accounts for violations of our customer terms and conditions.

18.9.

stated otherwise, our current privacy policy applies to all information that we have about you and your Account. advise you check website periodically for changes to our privacy policy.

18.10.

You need to our Privacy Policy on this website for further details as that privacy policy explains how we use and collect information.

19. and Reversals

19.1.

you believe an unauthorized or otherwise problematic transaction has taken place on your Account, you agree to notify us immediately, to enable us to take action to prevent loss.

19.2.

All claims against us related to payments should made within (30) days after the date of payment. It will be that you all claims against us, to the fullest of the law after the said period of time.

19.3.

You are responsible for and agree indemnify us for all reversals, charge-backs, claims, fees, fines, penalties and other incurred by us (including costs and related expenses) by or arising from payments that you authorized or accepted.

19.4.

you into a transaction with a party and have a dispute over the goods services you purchased, we have no liability for such goods services. Our only involvement with regard such a transaction is as a payment agent.

19.5.

We may disputes between users concerning payments have no to do so.

19.6.

It is your responsibility to remit any taxes that apply to your and not included in cost of the transaction. You agree to indemnify and us from and any claim out of your failure to do so.

19.7.

transaction ID and details will be required resolve disputes

20. General

20.1.

We try keep Crust available times, bug-free, and safe, but you it at your own risk. We are providing Crust "as is" without any express or implied warranties including, but not limited to, implied of merchantability, fitness a particular purpose, and non-infringement. is not the actions, content, information, data of third parties, and release us, our directors, officers, employees, and agents from claims and damages, known and unknown, out of or in way connected with any claim you have against any such third parties.

20.2.

We right to change, modify, add or delete portions of these Terms of Use, at any time without prior you. It your responsibility to check these Terms and Conditions  for changes. Your continued use of the website Crust following the posting changes will mean that you accept and agree to the changes.

20.3.

You responsible for your connection to the phone networks, the Internet and costs associated with these same connections.

20.4.

We are responsible for arising from any failure, malfunction, or delay in any phone networks, mobile phones, ATMs, the Internet or terminals or any of its supporting shared networks, resulting circumstances beyond our reasonable control.

20.5.

We may allocate any money received from you held your behalf to settle any outstanding balance Account.

20.6.

All copyright, and other intellectual property rights used as part of our services or on our websites, documents other materials are owned and controlled by Crust Africa or its licensors. You agree you acquire to the same and shall not copy, reproduce, republish, upload, post, transmit or distribute such material in any way, by e-mail or other electronic and whether directly indirectly and you not assist any other to do so.

20.7.

You acknowledge and agree that these Terms Conditions are governed by Nigerian law any breach Terms and Conditions will be considered as taken place Nigeria.

20.8.

The shall use best efforts to amicably settle all disputes arising out of connection the performance or interpretation of this Terms and Conditions. Any dispute or arising out of the construction, interpretation or the obligations created under relationship which be settled amicably one (1) month receipt by a party of the party's request for such amicable settlement be referred to under the Lagos State Arbitration 2009. The arbitration award be final and binding. The place of arbitration shall be in Lagos, Nigeria and the language of arbitration shall be English language.

1.1. Protection of Privacy

Africa Limited (“ Africa”, “Crust”, the “Company”, “we” or “us”) values your Personal Data and we are committed to your privacy whenever you interact us. Please read this Privacy Notice (the “Notice”) to understand our policies, processes, and procedures regarding the processing of your personal data.

By this Notice, we explain to how Personal Data is collected, used, managed, transferred and or by Crust Africa also explain how you can update your Personal Data with us and your rights in respect of the Personal Data provided to us.

1.2. The we Collect

To access the Crust Services and of this application/website, we personally identifiable which you voluntarily provide to us.

Personally identifiable information refers to the personal information submit, when you sign up or any information that can used to identify or contact you (e.g. email address, password, name, address, telephone number, business name, camera sensor data, bank details, and other unique identifiers including but not to MAC address, IP address, IMEI number, number, SIM and others). ease of transacting, we may also collect your contact details, if your permission to do so is granted.

We collect non-personally identifiable information including but not limited to dynamic IP address, geolocation data, screen size and cookies data. We use technical methods to collect and store personal as cookies, JWT, web etc. We will share or disclose this information with third parties except a necessary part providing our users with access to our website services. By visiting using our website, you agree to our use of cookies in line with Crust Africa policies.

1.3. Uses Information

We use your personally identifiable information to:

• Provide supporting support

• Profile Crust users administer pre-paid accounts

• Resolve disputes, fees and troubleshoot problems

• Prevent potentially prohibited or illegal activities and our User Agreement

• Customise, measure and improve our services

• and improve the layout of our website

• Compare information for accuracy verify third parties

• Update our databases and provide support

• Provide you with about goods and we offer that are to those you have already purchased enquired about.

Constitutes Your Consent?

Where of Personal is based consent, Crust Africa obtain the requisite at the time of collection of the Personal Data. this regard, you consent to the processing of Personal you our platforms, or use our services, content, features, technologies, or functions offered on our website or other digital platforms. You can withdraw your consent at any time, but such not affect the processing of your which we carried out lawfully based given before your withdrawal.

We may retrieve about you from third parties and other identification/verification services as your financial Institution, payment and verification services. With your consent, we may also collect additional Personal in other ways including emails, surveys, and other forms of communication. Once begin our services through your Crust account, we will keep records of your transactions collect about your other activities related our services. We not share or disclose your Personal Information with a third party your consent.  will not use your information seek your consent to use your information the propagation of atrocities, hate, child rights violation, criminal acts and anti- conducts.

1.4. Sharing of Information

Crust Africa assures you that it only your data with your consent and that shall be used for the purpose for which it was obtained. However, may share your Personal Data with companies within the Crust, service providers by us provide services to subject appropriate data security and protection. In addition, we may transfer your Personal out of Nigeria in with the requirements of the Nigeria Data Protection Regulation, 2019. Crust shall also share Personal Data with third parties directly authorized by you Personal Information, as when you authorize a third-party service to access your account. The use of your personal by authorized third party be subject to the privacy policy of the third-party and Crust shall any liability for any breach which arise due to your authorization. Crust also share your Personal Information if it believed that such sharing is required to satisfy applicable laws, regulation or government request.

Our website may contain third-party links or links to other websites. Please advised that we are not responsible the privacy practices or contents of these sites and not be responsible for of such websites. We encourage our users to be aware when they our and to read the privacy statements of sites. You should evaluate the security and trustworthiness any other site connected to this site through this before personal information to them. Crust will not accept any responsibility any loss or damage whatever manner from your disclosure of your personal information to third parties. However, Crust shall also make all reasonable efforts to ensure that safeguards have been put in place to prevent unauthorized access to ensure confidentiality of your personal information.

1.5. Acknowledgment

You acknowledge that by using the Crust services, of your personal information be passed on any person whom you receive Crust money from, or send Crust money to, and will available to third party involved the operation of the service including without limitation, Agents and partner banks.

1.6. Your Rights

You exercise the following rights with respect your Personal Data with Crust Africa:

• Request for and access your Personal Data collected stored Crust;

• Withdraw consent at any time. For example, you can your consent to receipt of our marketing or promotional materials or our newsletters;

• Object to automated decision making;

• Request rectification and modification of Data kept Crust Africa;

• Request for deletion of your Personal Data;

• Be of and entitled to provide consent prior the processing of Data for purposes other than that for which Personal Data were collected;

• Request that Crust restricts your Personal Data; and

• Request for regarding any processing of your personal data.

You may exercise any of these rights by sending an email to service@crust.africa where your requests will be promptly.

1.7. Account Monitoring

You that Crust shall have the right to monitor your account usage and if required, will disclose personal information to local enforcement or agencies or any competent regulatory or governmental agencies to assist the prevention, detection or of laundering activities, or criminal activities.

1.8. Crust Obligation

employees who personal information are under an obligation to treat it confidentially and may not disclose it to third parties. Crust employees are also responsible for the security of the information. Employees violate Crust privacy policies are subject to the company’s procedures.

1.9. Submitting Information Through Crust

person submitting information to Crust through our platform may be granted access rights to that information. Crust has developed systems enable users to access correct personal information to it. Crust is to ensuring that data processed the company is accurate and up to date in line with provisions of the Data Protection Regulation (NDPR) 2019. In order ensure that personal data with the company is current, accurate, please update us if there are to your personal information by informing company’s DPO via the contact details the Human Unit. We shall take it that your records with are current, complete and if we do not receive update from you.

1.10. Privacy Policy Updates

may at any amend, delete or to its Privacy Policy by giving notice of such changes a version of our Privacy on online portals. Any change will be made unilaterally by us and you will have been deemed to have accepted changes by your continuous use of services after the revised Privacy Policy is uploaded. You further agree it is your sole to check for updates of the Privacy Policy.

If a Crust Account, Crust will give you 1 month notice any changes, with the changes taking once the 1-month notice period has elapsed. The 1- notice will not apply where a change relates to the addition of a new service, extra functionality to any existing services or any other which in our reasonable opinion neither reduce your nor increase your responsibilities. In such instances, the change will be made without prior notice to you and shall be effective immediately upon giving notice of it.

If you not accept any change, you will be to close your Crust prepaid account, otherwise you will deemed to have it. closure of the account still renders liable to for any liability incurred you prior to closure.

1.11. Correspondence

Should you send us including chats, calls, letters, we will retain such information in the records account. We will also retain customer service correspondence and other from Crust you. The rationale for this retention is to records of relationship, measure and improve service and to investigate fraud and violations of our User Agreement. We may, over time, delete these records if permitted by law.

1.12. Questionnaires & Surveys

From time time, Crust may offer questionnaires and surveys our users such purposes collecting information or assessing users' interests and needs. The use information collected will be explained in detail in the survey itself. If we collect personal identifiable information from our users in these questionnaires and surveys, the users will be given notice of the information be used to their participation in the survey or questionnaire.

1.13. Security

is to customer information with the standards information security. We your personal information using physical, technical administrative security measures to reduce risks of loss, misuse, unauthorized access, disclosure and alteration. We use computer safeguard such as firewalls and data encryption, enforce physical access to our buildings files and only authorise access to personal information only employees require fulfil their job responsibilities.

The security of your Crust prepaid account also rests on the protection of PIN. You your PIN with anyone no employee of Crust will ever you for either of these so email or correspondence requesting such information should be treated as unauthorised and suspicious and forwarded to info@crust.africa. We will to respond to such emails soon as possible.

Should you share your any third parties, third parties will have access to account personal information, and you may be responsible for actions taken using this information. In event you suspect a party gained access to your PIN, please log into your Crust profile, change it us straightaway.

1.14. Retention of your personal data

Crust takes appropriate to ensure that your Personal Data is only and retained for a period in line with purposes out in Notice, as is stated under our and Conditions or as required by applicable laws, until a time it no longer or has no use. also determine what action is to be carried out the period in expired.

The security of your Crust prepaid account rests on the protection your PIN. You should not share PIN with and no employee of Crust will you for either of these so any email or correspondence requesting for such information should be unauthorised and suspicious and to info@crust.africa. will endeavor to to such as soon as possible.

1.15. Inquires

Crust is responsible for that our day-to-day procedures are aligned with Privacy Policy. Should have any questions about this privacy statement, Crust services or your transactions on Crust, you can contact us via our customer helplines or by email to info@crust.africa.

Security

Crust is Safe and Secure

At Crust, confidentiality and security are top priorities. We are registered in Nigeria and are compliant all regulatory policies.

To ensure that our solution is secure, we have implemented multiple layers of security order to protect our systems and most importantly, your account and personal details. Crust is designed with state-of-the-art features, which anti- laundering fraud prevention.

Your Crust account is associated with your mobile phone number, but your money is not " on your phone " . Even your mobile phone handset is lost or stolen, nobody can access money in your Crust account without your authorization. With Crust, are always in control of your cash.

Here are the extra measures we have in place your money is always safe:

Personal Identification Number (PIN)

On Crust, you your PIN and it is known only to you. All transactions are processed on Crust must be authorised by your PIN entry. For all SMS transactions, we initiate automated call to you for PIN authorisation. Online transactions are processed until you your PIN via virtual keypad. We will never ask you to verbally confirm your PIN over the phone or any other channel. To reduce the an account breach, we ask that you do not share PIN with anyone.

and Password

and mobile phone application users login with a username and password. On Crust, you create your username and password and this is only known to you. To the risk of an account breach, we ask that you not share your username or with anyone.

Security Questions

When you activate your account online or using the mobile phone application, we require you to select and security questions. information is only to you. In case that detect a possible account breach or not recognise the device you are logging from, we ask you to the security you selected in to verify your identity. For online access, we have also added an called the ID phrase. This phrase is created by you when register online access. Please for this phrase. It will always appear when you log into your Crust account online. If there is any instance when the phrase not appear, not provide further information on account. Immediately leave the site and report the details to Crust info@crust.africa or call our customer service line on 080xxxx-xxxx.

Access data  

sensitive such as customer PINs passwords are stored in encrypted throughout systems and databases. also protect our systems your data from external access by using multiple levels of firewalls.

Crust staff and customer representatives cannot access your data without system authorisation. They do not have access to customer PINs or will you to provide this information.

Your account details are not available to anyone at Crust. All customer bank account communicated between the banks and Crust secure channels and using sophisticated encryptions. the last four digits of any bank account number are visible to Crust staff and customer service representatives are authorised to view information.

Cookies Policy

What Are Cookies Anyway?

Crust Africa uses cookies, which are small pieces of saved on phone computer, to improve your browsing experience.

Please, keep to learn what information we collect cookies, how we use that information, why we sometimes store it and how you can disable on your browser.

Cookies We Set

You Sign In

We to save your login you don't have to in all over again every time you to a new page.

We typically clear these cookies when sign out to prevent access features that require signing in.

Email Newsletters

We use cookies to save information give you subscribe to our emails. This us avoid duplicate subscriptions and controls the notifications you see.

Forms

We cookies to remember your when you fill a form on the website.

Third-Party Cookies

Sometimes, we set cookies from trusted third parties.

Please, keep reading to learn about third-party on crust.africa.

Google Analytics

use from Analytics us understand how use this website and how can your experience. These cookies information including how much time spend this the pages you visit.

For Testing

We often changes this website and add new features, while we're texting them, we may use cookies to learn the optimisations you prefer.

Disabling Cookies

To disable cookies, please check your browser settings. Please, note disabling cookies may affect experience on this website.

We hope we've clarified how use cookies and feel comfortable using this website. If you need more information, a to hello@crust. and we' get back to you as soon possible.

POS Terms and Conditions

Terms and Condition 

POINT OF SALE (“POS”) TERMINAL AGREEMENT FOR MERCHANT 

This Point of Sale (“POS”) Terminal Agreement takes effect on the date 

this Agreement is executed by the Merchant; 

BETWEEN: 

CRUST AFRICA LIMITED, a limited liability company, duly incorporated under the laws of the Federal Republic of Nigeria and having its registered office address at Plot 31, 441 Lane, Citec Estate, Gwarimpa, FCT - Abuja. Crust which expression shall whenever the context so admit include its successors-in-title, Merchants and assigns of the one part. 

AND UNDERSIGNED CRUST MERCHANT which expression shall whenever the context so admits include its successors-in-title, representative, Merchants and assigns) of the other part. BACKGROUND 

A. Crust is a financial technology company dedicated to accelerating agricultural prosperity across Africa, by providing value chain actors with easy access to simple, innovative & reliable financial products & services through its Crust Business Application and POS Terminals. 

B. Crust provides electronic payment software/terminal that provides online real-time integration, payment infrastructure and product development for banks, financial institutions, corporate entities and merchants in order to enable real e-commerce on touch points and E-channels. 

C. Crust has agreed to provide the Merchant with Point of Sale (POS) Terminals and access to the Crust Service to carry out financial transactions in line with the terms and conditions contained herein. 

NOW THEREFORE, this Agreement outlines the terms and conditions applicable to any authorized Crust Merchant as follows; 

1. ATTESTATION 

I "The Merchant" hereby attest that: 

● The information provided to Crust is true and accurate. I agree that Crust reserves the right to take appropriate measures including legal actions if the information I have provided is found to be false. 

● I shall correctly fill the KYC Forms with all the requisite information. 

● I shall execute this Agreement for all the POS Terminals requested and delivered for use. 

2. COMMENCEMENT AND DURATION 

Unless otherwise agreed by the Parties in writing, this Agreement shall commence on the date of execution of this Agreement and shall remain in force for a period of One (1) year (“Initial Term”); and same shall automatically be renewed until this Agreement is terminated by either

party in writing, subject the terms of this Agreement and any subsequent amendments made by Crust Africa. 

3. OBLIGATIONS OF CRUST 

Crust shall: 

● Issue functional POS Terminals to the Merchant as requested and upon the execution of this Agreement. 

● Grant the Merchant access to its Crust Business Services for the purpose of providing cash deposits to banks, cash withdrawals, bill payments and other related services. 

● Use all reasonable endeavours to ensure that the Crust Business Service is available at all times, except for scheduled or emergency maintenance requirements. 

● Provide the requisite technical specification and support in respect of the Crust Service. 

4. OBLIGATIONS OF MERCHANT 

The Crust Merchant shall: 

A. Meet up with a daily target of Twenty (20) transaction counts or One Hundred Thousand Naira (N100,000) worth of transactions or a monthly target of Six Hundred (600) transaction counts or Three Million Naira (N3,000,000) worth of transactions. This

transaction target may be modified at the discretion of Crust and communicated to the Merchant. Any modifications made to this transaction target shall take effect One (1) weeks from the issuance of such modification. 

B. In the event that any POS Terminal assigned to the Merchant does not meet the transaction target as stated above, after a period of three (3) months consecutively, Crust reserves the right to retrieve the terminals. 

C. Ensure proper handling of P.O.S. Terminals; 

● All POS Terminals issued to the Merchants MUST NOT BE TAMPERED WITH or taken to a third party technician for repairs. In the event of any fault or damage (software or hardware), the POS Terminals must be returned to Crust office immediately for repairs. 

● When returning a POS terminal, the entire package (carton containing the POS charger ) must be returned together without damage, save for the usual wear and tear from prolonged usage. If the terminal is not returned intact, the Merchant shall bear the cost of replacing the damaged or lost items. 

5. RETRIEVAL AND REPOSSESSION OF POS TERMINALS 

A. Crust maintains the right to retrieve and rightof repossession over the POS Terminal issued to the Merchant. The continuous use of the POS Terminal by the Merchant is subject to the terms contained herein. 

B. Crust reserves the right to retrieve the POS Terminal issued if: 

● The Merchant using the Terminal fails to meet the monthly target within the stipulated time as provided in Clause 5(a); 

● In the event of such retrieval, Crust shall refund N10,000 of the caution fee paid by the Merchant; 

● The Merchant is only entitled to 10,000 refundable fee for the retrieval of the POS Terminals WITHIN THE FIRST ONE (1) YEAR from when the POS Terminal was issued to the Merchant. 

● This right of retrieval shall be exercised at the discretion of Crust. 

Note: 7(B) is only applicable to “Caution deposit” Merchants and Merchants who are yet to complete payment for “Lease to own”