Account & Eligibility

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Trust Commerce, trading as Subsecute ("Company," "we," "us," or "our"), governing your access to and use of the Subsecute platform available at subsecute.com, including our mobile applications and all related services (collectively, the "Service").

By creating an account, accessing, or using the Service in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Service.

    Important: Subsecute is not a bank, deposit-taking institution, or licensed financial institution. We are a technology-driven payment service provider that facilitates bill payment and subscription management services. Funds held in your Subsecute wallet are not insured by the Nigeria Deposit Insurance Corporation (NDIC) and do not earn interest.
  

Subsecute operates as a technology platform in partnership with CBN-licensed entities. Payment processing is provided through Paystack (licensed by CBN). Banking services are provided through SafeHaven Microfinance Bank (licensed by CBN). Subsecute may in the future offer virtual card services through a card-issuing partner.

2. Definitions

In these Terms, the following words and expressions carry the meanings set out below:

"Account" means the personal Subsecute account you create to access the Service.
"CBN" means the Central Bank of Nigeria.
"Gift Link" means a shareable payment link generated through the Service that allows a third party to fund or contribute to a subscription on your behalf.
"KYC" means Know Your Customer, the identity verification process required to access full Service functionality.
"Naira Wallet" or "NGN Wallet" means the Nigerian Naira-denominated digital wallet within your Account.
"Platform" means the Subsecute website, mobile applications, APIs, and all associated technology infrastructure.
"Shared Plan" means a subscription plan that allows multiple users to share the cost or access of a single subscription service.
"Subscription" means a recurring payment obligation to a third-party service provider managed through the Platform.
"USD Wallet" means the United States Dollar-denominated digital wallet within your Account.
"Virtual Card" means a digital payment card that may in the future be issued through the Platform (via a card-issuing partner) for the purpose of funding subscriptions or making online payments.
"Wallet" means, collectively, the NGN Wallet and USD Wallet associated with your Account.

3. Eligibility & Account Registration

3.1 Eligibility

To use the Service, you must:

Be at least 18 years of age or the age of legal majority in your jurisdiction, whichever is greater;
Be a resident of the Federal Republic of Nigeria;
Have the legal capacity to enter into a binding contract;
Not have been previously suspended or removed from the Service; and
Not be prohibited from using the Service under any applicable law or regulation, including but not limited to CBN directives, anti-money laundering laws, and sanctions regimes.

3.2 Account Creation

You must provide accurate, current, and complete information during the registration process. Each person may maintain only one (1) Account. You must not create an Account on behalf of another individual or entity without proper authorisation. We reserve the right to reject any Account registration at our sole discretion, without providing a reason.

3.3 Account Security

You are solely responsible for maintaining the confidentiality of your Account credentials, including your password, PIN, and any other authentication mechanism. You agree to immediately notify us at hello@subsecute.com of any unauthorised use of your Account or any other breach of security. We shall not be liable for any loss or damage arising from your failure to secure your Account credentials.

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