Please read these terms carefully before using our platform.
Welcome to HorlartPay. These Terms and Conditions constitute a legally binding agreement between you ("User," "you," or "your") and HorlartPay governing your access to and use of our digital currency exchange platform, including our website, services, features, content, and applications.
Important: By creating an account, accessing our Platform, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. If you do not agree with any part of these Terms, you must not access or use our Platform.
To use HorlartPay, you must:
By using our Platform, you represent and warrant that you meet all eligibility requirements.
HorlartPay is a digital currency exchange platform designed to facilitate the conversion of foreign currencies (primarily United States Dollars - USD) held in international e-wallets to Nigerian Naira (NGN). We act as an intermediary platform connecting users with currency exchange opportunities and providing administrative oversight for transaction security and completion.
For the purposes of these Terms:
Your registered user account on the HorlartPay Platform.
HorlartPay's authorized personnel who verify, process, and oversee currency exchange transactions.
A currency conversion opportunity listing specifying exchange rate, limits, and applicable e-wallet.
Digital payment platforms such as PayPal, Payoneer, Skrill, Neteller, and other supported services.
The conversion rate between USD and NGN applicable to a specific transaction.
A currency exchange operation involving the transfer of USD in exchange for NGN.
Documentation evidencing completion of a USD transfer (screenshots, receipts, transaction IDs).
Your personalized user interface displaying account information and transaction history.
To access our services, you must create an account by providing:
You must verify your email address by clicking the verification link sent to your registered email before your account becomes fully active.
You agree to:
Failure to provide accurate information or update outdated information may result in transaction delays, failures, or account suspension.
You are responsible for:
We reserve the right to suspend or terminate your account, with or without notice, if:
Upon termination, your right to access and use the Platform immediately ceases. We may, but are not obligated to, complete pending transactions at the time of termination.
You may request account closure at any time by contacting us at support@horlartpay.com. Upon account closure:
HorlartPay provides a platform for exchanging USD held in supported e-wallets to Nigerian Naira. Our services include:
Access to Exchange Offers displaying conversion rates, minimum/maximum transaction amounts, and applicable e-wallets.
Tool to calculate exact NGN amounts you will receive for specific USD amounts before committing to a transaction.
Ability to select and initiate currency exchange transactions based on available Exchange Offers.
Secure in-app chat system for real-time communication with our Admin team during transactions.
Administrative verification and processing of your USD transfers and corresponding NGN disbursements.
Access to records of all your completed, pending, and cancelled transactions.
We currently support the following e-wallets:
We reserve the right to add or remove supported e-wallets at any time without prior notice. Removal of an e-wallet from our supported list does not affect transactions already initiated and in progress.
HorlartPay strives to maintain Platform availability 24 hours a day, 7 days a week. However:
HorlartPay does NOT:
Currency exchange on HorlartPay follows this structured process:
While we strive for efficiency, transaction completion time varies based on:
Typical timeline: Most transactions are completed within business hours once Proof of Payment is verified. However, we do not guarantee specific completion times.
Each Exchange Offer specifies a minimum and maximum transaction amount. You must initiate transactions within these specified limits. Transactions outside these limits will be rejected or cancelled.
Exchange rates are displayed clearly in each Exchange Offer before you initiate a transaction, fixed at the time you accept the transaction agreement, and applied to calculate the exact NGN you receive. Rates may fluctuate over time; always verify current rates before initiating a transaction.
You agree to use HorlartPay only for lawful purposes. You shall NOT:
You must provide truthful, accurate, and complete information in all transactions and ensure your e-wallet account is legitimately owned and operated by you. Verify that all Proof of Payment documents are genuine and unaltered and confirm that your Nigerian bank account details are correct before initiating transactions.
You represent and warrant that you are the legitimate owner of the e-wallet account used for transactions and that all funds are legally obtained. Transactions involving unauthorized accounts or fraudulent funds will be cancelled and may result in account suspension.
You agree to respond promptly to Admin requests, maintain professional communication, check notifications regularly, and provide requested documentation within reasonable timeframes.
You must initiate transactions within the specified limits and must not attempt to circumvent limits by splitting transactions or using multiple accounts. Suspicious transaction patterns may indicate money laundering or fraud and are prohibited.
You explicitly agree NOT to:
HorlartPay's exchange rates are displayed transparently in each Exchange Offer. The rate you see is the rate you receive—our exchange rate inherently includes our service fee, and we do not charge additional hidden fees.
What You See Is What You Get:
While HorlartPay does not charge separate transaction fees, please note:
Once a transaction is completed (USD received and verified, NGN transferred to your bank account), the exchange is final. HorlartPay does not provide refunds for completed transactions unless we made a calculation error, failed to transfer the agreed NGN amount, or a Platform error materially affected your transaction.
Exchange rates on HorlartPay may change at any time due to market conditions, supply and demand, or operational considerations. Once you accept a transaction agreement, the rate for that transaction is locked.
When you click "Sell" on an Exchange Offer and accept the transaction agreement, you are entering into a binding contract to transfer the specified USD amount, follow Admin instructions, submit valid Proof of Payment, and receive the calculated NGN upon verification.
Cancellation by User: You may cancel a transaction before sending USD by notifying Admin through chat and confirming you have not sent funds. Once you have sent USD, cancellation is subject to Admin review.
Cancellation by HorlartPay: We reserve the right to cancel transactions if we cannot verify Proof of Payment, suspect fraud, or are unable to process the transaction for operational or legal reasons. If we cancel after you have sent USD, we will make reasonable efforts to facilitate return of funds, but recovery is not guaranteed.
If you dispute a transaction, contact us immediately through Admin chat or support@horlartpay.com, provide documentation, and cooperate with our investigation. We will investigate in good faith and typically respond within 5-10 business days. Our decision is final.
A transaction may fail for reasons such as unreceived USD transfer, unverifiable Proof of Payment, incorrect account information, bank rejection, or technical issues. We will notify you of failures and assist where possible, but are not liable for losses beyond our reasonable control.
Transactions that are not completed (e.g., no USD sent or no Proof of Payment uploaded) may be marked as incomplete and cancelled after a reasonable period (typically 24-48 hours of inactivity).
All transactions are recorded in your Transaction History. You are responsible for reviewing your history, reporting discrepancies, and maintaining personal records. We retain transaction records as required by law (typically 7 years).
For each transaction, Admin will provide payment instructions (exact e-wallet address, precise USD amount, required tags/references, and deadlines). You must follow these instructions exactly, transfer the exact USD amount from your own e-wallet, and submit Proof of Payment after completing the transfer.
Valid Proof of Payment must include clear screenshots or documentation showing transaction ID/reference, date/time, USD amount, recipient e-wallet, transaction status, and your e-wallet identifier. Unacceptable proof includes blurry, cropped, edited, or mismatched documentation.
Upon verification, HorlartPay will transfer the agreed NGN to the bank account registered in your profile, send confirmation via Admin chat and email, and update the transaction status to "Completed." Ensure your bank details are accurate; NGN cannot be redirected after initiation.
Our Admin team verifies authenticity of Proof of Payment, correct USD amount, matching transaction details, legitimacy of e-wallet account, and compliance with terms. Verification can take minutes to several hours depending on complexity and availability.
You are responsible for providing correct bank account details and ensuring the account name matches your HorlartPay registration. If NGN is sent to an incorrect account due to your error, HorlartPay is not responsible for recovery but will provide evidence to assist recovery efforts. You may be liable for recovery fees.
Payment timing depends on Admin availability, e-wallet processing speeds, verification complexity, bank processing times, and transaction queue volume. We do not guarantee specific completion times; most transactions complete within business hours.
HorlartPay and all its content, features, and functionality are owned by HorlartPay, its licensors, or other content providers and are protected by applicable intellectual property laws.
Subject to compliance with these Terms, HorlartPay grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for personal, non-commercial currency exchange purposes. This license does not permit modification, distribution, or commercial use of Platform content.
"HorlartPay" and related marks are trademarks of HorlartPay. You may not use these marks without prior written permission. Other trademarks mentioned belong to their respective owners.
By uploading content (e.g., Proof of Payment), you grant HorlartPay a non-exclusive, worldwide, royalty-free license to use, store, display, and process such content for providing services, verifying transactions, complying with legal obligations, and improving the Platform. This license terminates when you close your account, except where retention is required by law.
If you provide Feedback, you grant HorlartPay a perpetual, irrevocable license to use, modify, and incorporate such Feedback into the Platform without obligation to compensate you.
HorlartPay is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
HorlartPay does NOT provide financial, investment, tax, or legal advice. You are responsible for determining suitability, understanding tax implications, and consulting qualified professionals where necessary.
Rates are subject to change at any time. We do not guarantee the best market rates and are not responsible for losses from rate fluctuations after transaction completion.
We rely on third-party e-wallet providers and banks and are not responsible for their delays, failures, or policy changes. Your use of third-party services is subject to their terms.
We do not guarantee uninterrupted access, error-free operation, or that defects will be corrected promptly. We reserve the right to suspend or discontinue the Platform at any time.
While we implement security measures, no system is completely secure. We cannot guarantee absolute security against unauthorized access or data breaches. You are responsible for your account security.
You use HorlartPay at your own risk and are solely responsible for transactions and outcomes. Conduct due diligence and verify transaction details before proceeding.
TO THE MAXIMUM EXTENT PERMITTED BY NIGERIAN LAW, HORLARTPAY AND ITS AFFILIATES SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES.
TO THE MAXIMUM EXTENT PERMITTED BY NIGERIAN LAW, HORLARTPAY'S TOTAL AGGREGATE LIABILITY TO YOU SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT OF THE SPECIFIC TRANSACTION GIVING RISE TO THE CLAIM, OR (B) ₦50,000 (FIFTY THOUSAND NAIRA).
The above limitations do not apply to liability that cannot be excluded by law, death or personal injury caused by our gross negligence, fraud or fraudulent misrepresentation, or intentional violations by HorlartPay.
HorlartPay is not liable for third-party actions, user errors, e-wallet issues, market conditions, or force majeure events as detailed below.
You agree to indemnify and hold HorlartPay harmless from claims, liabilities, losses, costs, or expenses arising from your violation of these Terms, unlawful activity, fraudulent transactions, inaccurate information, or disputes with other users. This obligation survives termination.
HorlartPay is committed to preventing money laundering and terrorist financing and complies with applicable Nigerian and international AML/CFT laws, including the Money Laundering (Prevention and Prohibition) Act 2022 and relevant Central Bank of Nigeria regulations.
We reserve the right to request additional identification or verification documents, suspend accounts with suspicious activity, and report suspicious transactions to authorities as required.
We may require government-issued identification, proof of address, information about the source of funds, verification interviews, and periodic updates. Failure to comply may result in suspension or refusal to process transactions.
We monitor transactions for unusual or suspicious activity, transactions involving sanctioned persons, potential fraud, and compliance with limits. We maintain records as required by law and may share them with authorities upon lawful request.
You may not use HorlartPay if located in sanctioned countries, listed on government watchlists, owned or controlled by sanctioned entities, or engaged in prohibited activities under applicable laws.
You are responsible for understanding tax implications, declaring income, filing returns, and paying taxes. HorlartPay does not provide tax advice and may report transaction information to tax authorities if required.
If laws change affecting our operations, we may modify these Terms, implement additional procedures, suspend services, or share more information with authorities. We will notify users of material changes as required by law.
Before formal dispute resolution, contact us at support@horlartpay.com with details and supporting documentation and allow us 14 days to investigate and respond.
These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict of law provisions.
Any legal action shall be brought exclusively in the courts located in Lagos, Nigeria. You consent to personal jurisdiction of these courts and waive venue objections.
Disputes not resolved informally will be submitted to binding arbitration under the Arbitration and Mediation Act 2023 of Nigeria, conducted in Lagos, governed by Lagos Court of Arbitration rules (or another agreed institution), in English, and decided by a single mutually agreed arbitrator. The arbitration decision is final and binding.
Exceptions to Arbitration: Claims for injunctive or equitable relief, intellectual property claims, fraud or criminal claims, and permitted small claims may be brought in court.
You agree disputes will be conducted on an individual basis only. You waive rights to participate in class actions or class-wide arbitration. If this waiver is unenforceable, the arbitration clause will be null and void for that proceeding.
Any claim arising from these Terms must be filed within ONE (1) YEAR after the claim arose. Claims filed after this period are barred.
HorlartPay may modify these Terms at any time to reflect changes in services, legal requirements, security, or to improve clarity. We will update the "Last Updated" date when changes are made.
For material changes, we will notify you via email, display a prominent notice on the Platform, and provide reasonable advance notice (typically 14-30 days). For minor changes, advance notice may not be provided.
Continued use of HorlartPay after changes take effect constitutes acceptance. If you disagree, stop using the Platform and close your account.
We maintain a version history of these Terms. Request previous versions by contacting support@horlartpay.com.
These Terms, together with our Privacy Policy and other legal notices, constitute the entire agreement between you and HorlartPay regarding the Platform.
If any provision is found invalid, it will be modified or severed to preserve the remainder of the Terms.
Failure to enforce any right does not waive that right unless made in writing by an authorized representative.
You may not assign these Terms without our consent. HorlartPay may assign rights to affiliates or in connection with corporate transactions without your consent.
These Terms benefit only you and HorlartPay. No third party may enforce them.
HorlartPay is not liable for failure or delay due to circumstances beyond reasonable control (natural disasters, war, government actions, strikes, internet outages, pandemics, etc.). Obligations are suspended during force majeure events.
These Terms do not create a partnership, joint venture, employment, franchise, or agency relationship. You are an independent user of the Platform.
These Terms are provided in English. The English version controls in case of conflict with translations.
Headings are for convenience only and do not affect interpretation.
Provisions that should survive termination (IP, disclaimers, limitation of liability, indemnification, dispute resolution) will survive.
By using HorlartPay, you consent to electronic communications. These satisfy legal writing requirements. You may withdraw consent by closing your account, which prevents use of our services.
For questions or assistance, email: support@horlartpay.com. We aim to respond within 48-72 business hours. Admin chat is available via your Dashboard for transaction matters.
For legal notices: legal@horlartpay.com and support@horlartpay.com. All legal notices must be in writing.
For privacy questions: privacy@horlartpay.com. See our Privacy Policy for details on data handling.
HorlartPay
Lagos, Nigeria
Follow us for updates: Instagram: @HorlartPay, Twitter: @HorlartPay, Facebook: HorlartPay Official. Social channels are informational and not official support channels.
By creating an account on HorlartPay, accessing our Platform, or using any of our services, you acknowledge that:
If you do not agree with any part of these Terms, you must not access or use HorlartPay.
For quick reference, key terms used throughout these Terms are defined in Section 2 (Definitions). Please refer to that section for precise definitions of technical terms.
Privacy Policy: For detailed information about how we handle your personal data, please review our Privacy Policy at [Privacy Policy URL]