Terms of Service
These terms govern your use of Giftinz fintech-powered social gifting and fundraising platform. Please read them carefully.
Key Terms Overview
Understanding your rights and responsibilities on our fintech platform
Welcome to Giftinz, a fintech-powered social gifting and fundraising platform owned and operated by Giftinz Limited (UK) and its Nigerian subsidiary Giftinz Invent Limited.
These Terms of Service govern your access to and use of Giftinz' web and mobile applications, products, and services .
By accessing or using our Services, you agree to be bound by these Terms, our Privacy Policy, and any additional terms that may apply to specific features. If you do not agree, do not use Giftinz.
Giftinz – Giftinz Limited (UK) and Giftinz Invent Limited (Nigeria).
User – Any person or entity accessing or using our Services.
Wallet – A digital account within Giftinz where funds are stored for transactions.
Event – A celebration or campaign created on Giftinz for receiving gifts or donations.
Spraying – The act of sending animated digital money to an Event.
Campaign – A fundraising activity hosted by individuals, charities, or businesses on Giftinz.
Tipping – Sending funds to service providers (DJs, performers, etc.) via Giftinz.
Business Account – An account registered for companies, NGOs, religious organizations, or event vendors.
To use Giftinz, you must:
- Be at least 18 years old (or the legal age of majority in your country)
- Have the legal capacity to enter into a binding agreement
- Pass our KYC (Know Your Customer) and AML (Anti-Money Laundering) verification processes
- Not be located in a restricted or sanctioned country
Giftinz reserves the right to decline or terminate accounts that do not meet eligibility requirements.
Registration Methods
You may register via:
- Social media accounts (Facebook, Google, Instagram, LinkedIn, etc.)
- Email and phone verification
- Business account onboarding (for organizations)
Your Responsibilities
- Providing accurate, current, and complete information
- Maintaining the confidentiality of your login credentials
- Notifying us immediately of unauthorized access to your account
Funding Your Wallet
Your Wallet can be funded via:
- Card payments
- Bank transfers
- Mobile money
- Supported payment gateways (Stripe, Flutterwave, Paystack, etc.)
Important Terms
- Funds in your Wallet are not bank deposits and do not earn interest
- Withdrawals are subject to settlement periods (T+1 to T+3 days depending on jurisdiction)
- Verification requirements apply to withdrawals
- Multiple currency wallets may be available, depending on your region
- We may impose limits on transactions for security and compliance
You agree NOT to use Giftinz for:
- Money laundering, fraud, terrorism financing, or illegal activities
- Sale of prohibited items (weapons, drugs, counterfeit goods, etc.)
- Misrepresentation in campaigns or events
- Harassment, abuse, or offensive conduct toward other users
Violations may lead to account suspension, legal reporting, and forfeiture of funds.
Event Creation
Event creators must ensure accuracy in event details, dates, and recipient information.
Spraying Options
Sprayers can choose:
- Public sprays (amount visible to all)
- Private sprays (amount visible only to the recipient)
Important Notes
- Funds sprayed are final and non-refundable unless due to technical errors
- Giftinz is not responsible for disputes between event hosts and attendees regarding gift amounts or delivery
Charity Account Requirements
Charity and NGO accounts must provide:
- Proof of registration
- Authorization to fundraise
Campaign Creator Obligations
Campaign creators must:
- Clearly state purpose and fund allocation
- Provide updates to donors
Consequences of Misuse
Misuse of donated funds is prohibited and may result in:
- Legal action
- Refund demands
- Account termination
Giftinz may withhold or release funds only after verifying campaign legitimacy.
Business users may use Giftinz for:
- Employee gifting
- Promotional giveaways
- Customer loyalty rewards
- Corporate social responsibility campaigns
Additional verification and contracts may apply.
- Transaction fees range from 1.5% – 4% depending on service type
- Premium animations, branded spray boards, and other add-ons may incur extra charges
- Fees are deducted automatically from each transaction
All gifts, sprays, tips, and donations are non-refundable unless:
- There is a proven technical error
- Fraudulent activity is detected
Disputes must be reported to support@giftinz.com within 7 days of the transaction.
Security Measures
We use:
- AES-256 encryption for data security
- PCI-DSS compliant payment processing
- AI-powered fraud detection
- Two-factor authentication (2FA)
Regulatory Compliance
We comply with:
- GDPR (UK/EU users)
- NDPR (Nigerian users)
- Local financial service regulations
Giftinz is not liable for:
- Losses due to user error (wrong recipient, incorrect event details)
- Third-party service interruptions (payment gateways, delivery services)
- Unauthorized access due to user negligence
Our maximum liability is limited to the amount of fees paid by you in the last 6 months.
You agree to indemnify and hold harmless Giftinz from any claims, damages, or losses resulting from your use of the Services.
We May Suspend or Terminate Your Account If:
- You violate these Terms
- You engage in fraudulent, illegal, or harmful activities
- Required by law or regulatory request
You may close your account anytime via the app settings.
Applicable Law
- UK Users – Governed by the laws of England and Wales
- Nigerian Users – Governed by the laws of the Federal Republic of Nigeria
Dispute Resolution
Disputes will be resolved in the courts of:
- London, UK (for UK-based disputes)
- Lagos, Nigeria (for Nigerian-based disputes)
For questions about these Terms: