Terms of Service

1. Acceptance of Terms

By accessing and using Cool-Sub's services, you accept and agree to be bound by the terms and provision of this agreement.

2. Description of Service

Cool-Sub provides digital financial services including:

• Money transfers and payments
• Bill payment services
• Virtual card creation and management
• Airtime and data purchase
• Financial transaction processing

3. User Responsibilities

As a user of Cool-Sub, you agree to:

• Provide accurate and complete information
• Keep your account information secure
• Use the service only for lawful purposes
• Comply with all applicable laws and regulations
• Not engage in fraudulent activities

4. Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

5. Transaction Limits and Fees

Cool-Sub may impose limits on transactions and charge fees for certain services. Current limits and fees are available in the app and on our website.

6. Limitation of Liability

Cool-Sub shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the service.

7. Termination

Either party may terminate this agreement at any time. Upon termination, your right to use the service will cease immediately.

8. Governing Law

These terms shall be governed by and construed in accordance with the laws of Nigeria.

9. Contact Information

For questions about these Terms of Service, please contact us at: