Terms of Service

1. About these terms

These terms apply when you use Pouch at pouche.lovable.app. By creating an account, you agree to them. If you don't agree, please don't use Pouch.

2. Who can use Pouch

• You must be at least 18 years old and live in Nigeria.
• You must have a valid Bank Verification Number (BVN) in your own name.
• You may only have one Pouch account.

3. Identity checks

Before you can save, we check your BVN through our identity partner, Payscribe. The name on your Pouch account comes from your BVN record. We may refuse, pause or close an account if we cannot confirm who you are, or if we suspect fraud.

4. Our services

Pouch sells digital services: mobile data, airtime, cable TV subscriptions, electricity tokens and exam PINs, supplied by licensed Nigerian telecom and utility providers. Prices are shown before you pay. If a purchase fails, the full amount returns to your wallet.

5. Adding money

Once verified, you get a personal Nigerian account number, provided through our licensed payment partner, Bachs. Money sent to it is added to your Pouch wallet once our partner confirms it. Pouch is not a bank. Your money is held with our payment partners.

6. Withdrawals

• You can only withdraw to a Nigerian bank account in your own name that you have saved in Pouch.
• Every withdrawal needs your 4-digit security PIN. The minimum withdrawal is ₦100.
• Most withdrawals arrive within minutes, but bank delays can happen. If a withdrawal fails, the money goes back to your wallet.

7. Keeping your account safe

Keep your password and PIN private. Never share them, including with anyone claiming to work for Pouch. After 5 wrong PIN attempts, your account is locked for 30 minutes. Tell us straight away if you think someone else has used your account.

8. Things you must not do

• Use Pouch for fraud, money laundering or any illegal activity.
• Use someone else's identity or bank account.
• Try to break, copy or interfere with Pouch.

9. Closing your account

You can ask us to close your account at any time. We will pay your remaining balance to your saved bank account. We may close accounts that break these terms.

10. Our responsibility

We work hard to keep Pouch running and your money safe, but we cannot promise the service will never be interrupted. We are not responsible for delays caused by banks, payment partners or events outside our control, except where Nigerian law says otherwise.

11. Changes

We may update these terms. If the changes are important, we'll tell you in the app before they apply. These terms are governed by the laws of the Federal Republic of Nigeria.

12. Contact us

Email olanrewajuagboola07@gmail.com or call 0916 322 8769.