Terms of Service

3.1 Age Requirement

You must be at least 18 years old to create an account on Paymeo.

3.2 Account Creation

You must provide accurate, complete, and current information including your name, email address, and phone number.

3.3 Account Security

You are responsible for maintaining the confidentiality of your login credentials. Notify us immediately of unauthorized use at company@paymeo.co.

3.4 Verification (Wallet Setup)

To activate your Paymeo wallet, you must complete identity verification using Dojah, including your BVN or NIN. This is a one-time requirement for wallet functionality.

4.1 Wallet Overview

Your Paymeo Wallet, powered by Paystack, allows you to fund your account, pay for items, receive payments, tips, and bounties.

4.3 Funding Your Wallet

You may fund your Wallet using bank transfers via Paystack. Card funding is not available.

4.4 Wallet Balance Limits

To maintain compliance with Central Bank of Nigeria (CBN) guidelines, Paymeo reserves the right to:

• Cap wallet balances at specified tiers (e.g., ₦100,000 for standard users)
• Issue nudges to withdraw funds when balances exceed thresholds
• Implement auto-sweep mechanisms for balances exceeding ₦200,000

7.2 The Escrow Process

When a Shopper pays for goods, Paymeo securely holds the funds in escrow until the Shopper confirms receipt or the auto-release period expires.

7.6 Auto-Release

If the Shopper does not confirm receipt or file a dispute within seven (7) calendar days of delivery verification, funds auto-release to the Seller.

7.8 Paymeo as Arbiter

Unlike bounties, Paymeo acts as a formal mediator for Shopper-to-Seller disputes, reviewing chat logs, photos, and tracking information to make a final binding decision.

13.1 Universal Application

These standards apply to all user-generated content on Paymeo, including but not limited to: general feed posts, Bounty-attached requests ("Bounties"), Shop Asks, comments, and Transaction Chats. Paymeo maintains a zero-tolerance policy for content that threatens user safety, national stability, or violates Nigerian Law.

13.2 Prohibited Content & Bounties

You are strictly prohibited from posting, soliciting, or rewarding any content related to:

• Personal Harassment: Bounties or posts intended to locate, track, dox, or issue "wanted" notices for private individuals.
• Violence & Harm: Any request for physical harm, stalking, or incitement to violence against any person or group.
• Regulated Goods: Sale or solicitation of narcotics, firearms, ammunition, or counterfeit currency.
• Illegal Services: Bounties for hacking, currency manipulation (outside CBN guidelines), or unauthorized lending.
• Indecency: Obscene, pornographic, or religiously offensive material.
• Political Content: The following political activities and content are strictly prohibited:
  • Hate speech directed at political figures, parties, or ethnic/political affiliations
  • Incitement to violence against government institutions, law enforcement, or political opponents
  • Content that threatens national security, unity, or territorial integrity of Nigeria
  • Bounties for "wanted" notices or targeting of political opponents, activists, or public officials
  • False information intended to disrupt elections, incite public unrest, or undermine democratic processes
  • Calls for secession, coup d'état, or unconstitutional changes to government
  • Promotion of terrorist organizations, insurgent groups, or any entity advocating political violence
  • Harassment, doxxing, or coordinated attacks on political figures, candidates, or their supporters

13.3 Automated & Community Moderation

Paymeo utilizes AI-driven keyword filtering and sentiment analysis to flag prohibited content. We reserve the right to:

• Pre-screen: Block posts containing blacklisted terms before they appear.
• Shadow-ban: Automatically hide posts that receive multiple community "Reports" pending manual review.
• Remove: Delete any content deemed a violation of these terms without prior notice.
• Report: Flag serious violations (especially political violence or national security threats) to relevant law enforcement agencies.

14.1 The Bounty-to-Chat "Bridge"

To ensure transaction clarity and reduce feed clutter, Authors of Bounty posts may activate a Transaction Chat with a Responder.

• Waiver of Tips: For Bounties exceeding ₦5,000, the requirement for a "New Chat Tip" is waived. The Bounty serves as the authorization to open a private dialogue.
• Contextual UI: Based on the post category (e.g., Shopping vs. Service), the chat interface may adapt to include specific tools (e.g., photo proofs, waybill uploads, or milestone checklists).

15.1 Escrow Protection

For transactions involving the purchase of physical goods through the "Shop Asks" feature or "Discover" marketplace, Paymeo acts as a Marketplace Facilitator. Funds are held in a secure Escrow Kolo until delivery is confirmed by the Shopper or the 48-hour auto-release period expires.

15.2 Mandatory Dispute Resolution

In the event of non-delivery or defective goods, Shoppers must initiate a Dispute within the Transaction Chat.

• Review of Logs: Paymeo reserves the right to review Chat logs and media (photos/waybills) to adjudicate the dispute.
• Final Decision: By using the Shopping feature, both parties agree to abide by Paymeo's final determination regarding refunds or payouts.

23.1 Program Overview

The Priority Bounty Hunter program is a specialized designation for trusted users who have demonstrated reliability, integrity, and commitment to the Paymeo community. Priority Bounty Hunters ("Hunters") receive exclusive benefits including priority visibility on bounty requests, early notifications, and enhanced trust signals on their profiles.

23.2 Eligibility & Application Process

To become a Priority Bounty Hunter, applicants must:

• Be at least 18 years of age with a fully verified Paymeo account (BVN/NIN verification completed)
• Have an active Paymeo Wallet in good standing
• Complete the Hunter application form with accurate location and service area information
• Agree to these Terms and any supplemental Hunter-specific policies
• Pass Paymeo's internal review and background verification process

Paymeo reserves the right to accept or reject any application at its sole discretion without providing a reason.

23.3 Hunter Obligations & Code of Conduct

Priority Bounty Hunters agree to:

• Fulfillment Standard: Complete all accepted bounty requests within the agreed timeframe or communicate delays proactively
• Accuracy Obligation: Provide accurate, truthful, and helpful information in all responses — no misleading or intentionally false recommendations
• Communication Standard: Respond to bounty authors promptly and maintain professional, respectful communication at all times
• Location Honesty: Only claim bounties and serve areas within your actual operational capacity
• Platform Loyalty: Do not solicit off-platform payments or attempt to move transactions outside Paymeo
• Confidentiality: Keep all author information and transaction details confidential
• Compliance: Adhere to all applicable Nigerian laws, including but not limited to the Cybercrimes Act, NDPR, and consumer protection regulations

23.6 Hunter Liability Waiver

By applying for and accepting Priority Bounty Hunter status, you explicitly acknowledge and agree that:

• Paymeo is not responsible for any losses, damages, or disputes arising from your bounty responses
• You bear sole responsibility for any legal claims brought by bounty authors or third parties
• You indemnify and hold harmless Meo Technologies Ltd. from any claims related to your bounty activities
• Paymeo does not guarantee that being a Hunter will result in any minimum level of earnings

23.7 Hunter Benefits

Priority Bounty Hunters receive the following benefits:

• Priority visibility on bounty posts (displayed first to bounty authors)
• Early notifications for new bounty requests in their designated area
• "Priority Hunter" trust badge on their profile
• Access to exclusive Hunter-only features and analytics
• Priority customer support

Note: Benefits are provided at Paymeo's discretion and may be modified or withdrawn at any time without notice.

23.8 Program Modifications & Termination

Paymeo reserves the right to modify, suspend, or terminate the Priority Bounty Hunter program at any time, with or without notice. Hunters do not have any vested right to continued participation in the program.

26.1 Overview

Paymeo allows users to send voluntary gratuities ("Tips") to other users as a token of appreciation for helpful recommendations, exceptional service, or successful bounty fulfillment. Tips are user-to-user transfers facilitated through the Paymeo Platform and processed by Paystack.

Tips are completely voluntary. Paymeo does not set tip amounts, require tips for any service, or guarantee any service or outcome in exchange for tips. All tipping activity is subject to these Terms and applicable Nigerian laws.

26.4 Fraud Detection & Monitoring

Paymeo employs automated fraud detection systems to monitor tipping behavior, including but not limited to:

• Analysis of tip patterns and velocity
• Detection of unusual tipping behavior relative to bounty fulfillment
• Cross-referencing of device fingerprints and BVN/NIN across accounts
• Monitoring of wallets with high tip volume but low legitimate activity
• Identification of circular payment patterns between accounts

Suspicious tipping activity will trigger automated flags and may result in manual investigation by Paymeo's compliance team.

26.6 Reporting Suspicious Tipping

Users who suspect tipping fraud, money laundering, or other prohibited activities should report immediately to compliance@paymeo.co. Reports may be kept anonymous at the reporting user's request.

26.7 Tax Compliance

Users receiving Tips are solely responsible for declaring Tip income to the Federal Inland Revenue Service (FIRS) or other relevant tax authorities. Paymeo provides monthly earnings statements to assist users with tax compliance but does not withhold taxes on Tips. Users should consult with a tax professional regarding their obligations.