Terms of Service

Last updated: October 4, 2026

Please read these terms carefully before using PalmFlash. By creating an account or using our platform, you agree to these Terms of Service.

1. Acceptance of Terms

By accessing or using PalmFlash (“the Platform,” “we,” “us,” or “our”), you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Platform. These Terms apply to all users, including individuals and businesses.

2. Eligibility

You must be at least 18 years old (or the age of majority in your place of residence) to use PalmFlash. By registering, you confirm that you can enter a binding agreement. We may ask for identity verification. Accounts opened with false information may be suspended.

3. Account Registration & Security

You must provide accurate registration details and keep your password confidential. You are responsible for activity under your account. Notify us immediately if you suspect unauthorized access via support@gepaid.name.ng or WhatsApp +234 916 953 2588. We are not liable for losses caused by your failure to protect your login details.

4. Wallet & Payments

Your PalmFlash wallet holds funds you deposit to pay for digital services on the Platform. Deposits are processed automatically once payment is verified by our systems. In normal conditions, successful verification credits your wallet without manual staff approval.

PalmFlash is a digital services platform. We are not a bank and do not offer interest on wallet balances. We may place a temporary hold on a wallet if we detect fraud, chargebacks, or policy violations while we review the account.

Minimum deposit amounts and available funding methods are shown in the app on the Fund Wallet page and may change over time.

5. Services, Transactions & Refunds

PalmFlash lets you buy digital products such as gift cards, airtime, data, bill payments, PIN codes, eSIM and other catalog items where available. Most successful orders are fulfilled quickly after payment.

Once a product is delivered (for example airtime sent or a code issued), it generally cannot be reversed. Failed transactions are refunded automatically to your wallet when our system confirms failure.

Report problems as soon as possible through Support or support@gepaid.name.ng. We investigate in good faith. We cannot guarantee refunds for user errors (wrong phone number, wrong product, or details you entered incorrectly).

6. Prohibited Activities

You agree not to:

  • Use the Platform for illegal activity or fraud
  • Launder money or move funds for unlawful purposes
  • Abuse promotions, bots, or automation without our written permission
  • Share or sell access to your account
  • Attack, scrape, or reverse-engineer the Platform
  • Violate applicable laws in your country of use

We may suspend or close accounts that break these rules.

7. Pricing & Fees

Prices shown at checkout are the amounts you pay for that order, including any service fee displayed. Prices can change. Promotions apply only for the stated period. Confirm the final amount before you pay.

8. Availability

We aim to keep PalmFlash available at all times, but we do not guarantee uninterrupted service. Maintenance, network issues, or third-party provider outages may affect delivery times. We are not liable for losses caused solely by downtime outside our reasonable control.

9. Termination

You may stop using PalmFlash at any time. We may suspend or close an account for breach of these Terms, suspected fraud, or legal risk. If your account is closed and a legitimate wallet balance remains, you may request a withdrawal through Support, subject to verification and applicable fees or holds.

10. Limitation of Liability

To the fullest extent allowed by law, PalmFlash is not liable for indirect, incidental, or consequential damages arising from use of the Platform. Our total liability related to your use of the Platform is limited to the fees you paid to PalmFlash in the three (3) months before the claim, except where the law does not allow such a limit.

11. Disputes & Applicable Rules

These Terms are intended for users of the PalmFlash digital services platform. If a dispute arises, contact Support first so we can try to resolve it quickly. If we cannot resolve it, either party may pursue remedies available under applicable law.

Nothing in these Terms limits rights you may have under mandatory consumer protection rules in your country of residence.

12. Changes to These Terms

We may update these Terms from time to time. The “Last updated” date at the top will change when we do. Continued use of PalmFlash after an update means you accept the revised Terms. For important changes we may also notify you in the app or by email when practical.

13. Contact

For questions about these Terms or your account:

Platform: PalmFlash (operated on gepaid.name.ng). Brand name PalmFlash; support channels above are the official contacts for this service.