Terms and Conditions

1. Introduction

Welcome to Coinly — a platform that enables users to buy, sell, send, and receive cryptocurrencies, as well as make bill payments. By accessing or using Coinly, you agree to these Terms and Conditions, including our Privacy Policy.

2. Definitions

• “Coinly” — refers to our platform, including its website, mobile application, and related services.
• “User” or “you” — any individual or entity that accesses or uses Coinly.
• “Cryptocurrency” — digital or virtual currencies, such as Bitcoin, Ethereum, or Litecoin.
• “Bill payments” — payments made via Coinly for goods or services provided by third-party merchants.

3. Eligibility

You must be at least 18 years old to use Coinly. By using the platform, you confirm that you are eligible and in compliance with all applicable laws and regulations.

4. User Accounts

To use Coinly services, you must create a user account and maintain accurate information. You are responsible for keeping your login credentials secure and for all activities under your account.

5. Cryptocurrency Transactions

• Buying and selling: You may buy and sell cryptocurrencies through Coinly in accordance with applicable laws.
• Sending and receiving: You are responsible for ensuring the legitimacy of your transactions and compliance with Coinly’s policies.

6. Bill Payments

• Coinly allows users to make bill payments to verified third-party merchants.
• You agree to provide accurate payment details and ensure sufficient account balance.
• Coinly is not responsible for any disputes, late, or failed payments resulting from user actions or third-party issues.

7. Fees and Charges

• Fees may apply to certain services, including cryptocurrency transactions and bill payments.
• You agree to pay all applicable fees associated with your use of the platform.
• Coinly reserves the right to modify its fees or pricing structure at any time with prior notice.

8. Security

Coinly employs reasonable security measures to protect user accounts and data. However, you acknowledge that no system is completely secure and agree that Coinly is not liable for unauthorized access or data loss.

9. Intellectual Property

All trademarks, logos, and content on Coinly are the property of Coinly. You may not reproduce, distribute, or display any materials without prior written consent.

10. Termination

Coinly may suspend or terminate your account at any time, with or without cause. Upon termination, you must cease using all Coinly services and delete any materials obtained from the platform.

11. Disclaimer of Warranties

Coinly services are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including merchantability or fitness for a particular purpose.

12. Limitation of Liability

Coinly shall not be liable for any indirect, incidental, or consequential damages, including losses arising from cryptocurrency transactions, payment failures, or unauthorized access.

13. Governing Law

These Terms and Conditions are governed by the laws of the Federal Republic of Nigeria. Any disputes shall be resolved through binding arbitration under applicable Nigerian arbitration laws.

14. Changes to Terms and Conditions

Coinly reserves the right to update or modify these Terms and Conditions at any time. We will notify users of significant changes through our platform or via email. Continued use of Coinly after such updates constitutes acceptance of the revised terms.

15. Contact Us

For questions or concerns regarding these Terms and Conditions, please contact us at support@coinlyapp.io.