One wallet for Gush AI Premium, providers and everyday services

SStore Pay (“SStore Pay”, “we”, “us”) is a digital wallet and services platform operated by SStore Integrated Solutions (RC-9760409), Sangotedo, Lekki, Lagos, Nigeria.

By creating an account, signing in with Google, adding money or using any service, you agree to these Terms, the Privacy Notice, the Fees and Limits and the Refund and Dispute Policy on this page. If you do not agree, do not use SStore Pay.

• You must be at least 18 years old and able to enter a binding contract in Nigeria.
• You sign in with your Google account. You are responsible for keeping that account secure and for everything done through your SStore account.
• Give us accurate information, keep one account only, and do not share your account with anyone.
• Tell us at [email protected] as soon as you suspect unauthorised access.
• We may ask for more information to verify who you are or where your money comes from.

• The wallet is a closed-loop service balance. You can spend it on SStore Pay services and connected SStore services such as Gush AI, airtime, data, electricity and SMS.
• It is not a bank account. It earns no interest. Balances are not bank deposits and are not insured by the NDIC.
• You may not use the wallet to hold money for other people or to run a money transfer, remittance, exchange or payment business.

• Deposits by bank transfer, USSD or card are processed by Squad (by GTCO) and Flutterwave. Their terms, fees, limits and availability apply to the payment, and we do not control them.
• Your wallet is credited after the processor confirms your payment. If you were debited but not credited, send us the processor’s reference, the amount and the time of payment.
• Add money only from accounts and cards that belong to you, using funds from lawful sources.
• If a payment is reversed, disputed or charged back, we may remove the matching credit from your wallet and restrict your account while we investigate.

• Pay-as-you-go and premium usage charges are deducted from your wallet each time you use the service. The amount depends on the model or service and appears in your ledger with a reference.
• If your balance is too low, the service may be unavailable until you add money.
• The terms of each connected service also apply to your use of it.

• These are delivered by third-party network operators and electricity distribution companies through our vending partners. Delivery depends on them.
• You are responsible for entering the correct phone number, network and meter number. Airtime, data and tokens that were delivered to the details you entered cannot be recalled.
• We do not control network or electricity company downtime. Delivery times vary.

• SMS campaigns are charged at ₦4.00 per SMS and are sent under the “SStore” sender ID.
• You may send messages only to recipients who can lawfully receive them. You must follow Nigerian Communications Commission rules and any do-not-disturb requirements.
• Spam, scams, threats, harassment, impersonation, misleading content and content that breaks the law are prohibited. We may block a campaign and suspend an account that breaks these rules.

• Providers or developers who register an approved service or generate payment links receive 97% of each successful payment in their wallet. SStore keeps 3% as a platform fee.
• The provider is responsible for its service, customer fulfilment, applicable refunds, taxes and its own legal compliance.
• Provider earnings are wallet balances. They can be spent in SStore Pay or withdrawn through the manual withdrawal process below.

Withdrawals are manual. You submit a request, and an administrator pays it. We do not use an automatic payout.

• Each request is limited to ₦10,000 and must go to a bank account in your own name. Third-party payouts are not supported.
• You confirm each request with a one-time code sent by email (free) or SMS (₦6.70).
• An administrator reviews your wallet ledger before paying. A withdrawal requires more than 6 recorded wallet transactions (credits and debits). We may decline, delay or ask for more information about any request, including where we see unusual activity.
• Your wallet is debited only when the administrator records the withdrawal as paid. Submitting a request does not debit your wallet.
• Processing is not instant, and we do not guarantee a payment time. It depends on administrator availability and your bank.
• You are responsible for the bank details you enter. If money is sent to wrong details that you provided, we will try to help but may not be able to recover it.

• You can send wallet money to another SStore user by searching their username, user ID or phone number. Transfers are wallet to wallet only and never go to a bank account.
• Check the recipient before you send. A completed transfer is final, and we cannot reverse it just because you sent it to the wrong person.
• We may limit, block or reverse a transfer where we reasonably suspect fraud, error or a legal requirement.
• There is no fee for transfers between SStore users.

• Every transaction has a unique reference and appears in your ledger. You can open a slip for an entry or a statement for a period.
• Your ledger is the main record of your wallet. Check it regularly and report anything you do not recognise promptly. We may correct clear errors in the ledger and will tell you when we do.

You must not use SStore Pay to:

• commit or hide fraud, money laundering, terrorism financing or any other crime;
• fund your wallet with stolen, borrowed or unauthorised cards or accounts;
• send spam, scams or unlawful messages;
• impersonate another person or access another person’s account;
• bypass limits, controls or approval steps, or attack or overload the system;
• resell wallet balances or run a financial service through your wallet.

• We take steps to stop SStore Pay being used for financial crime. The manual review of withdrawals, the transaction-history requirement and OTP confirmation are part of this.
• Where we need to, we may verify your identity, ask about the source of your funds or the purpose of a transaction, delay or refuse a transaction, restrict or freeze an account, and share information with law enforcement or regulators when the law requires it.

• Never share your OTP, Google password or device with anyone. We will never ask you for an OTP.
• You are responsible for activity that results from sharing your credentials or from a compromised Google account or device. Report problems to [email protected] straight away so we can act.

• SStore Pay relies on third parties such as payment processors, telecom networks, electricity companies and SMS carriers. We cannot promise uninterrupted service and are not responsible for their outages.
• We may carry out maintenance or change, pause or withdraw a feature. We will try to give notice where we reasonably can.

• We may suspend or close an account, or hold funds, where you break these Terms, where we suspect fraud or misuse, or where a law, regulator or court requires it.
• You can ask us to close your account by writing to [email protected]. Spend or withdraw your balance first. Any remaining balance is dealt with subject to our checks and legal obligations.

• To the extent Nigerian law allows, we are not liable for indirect or consequential loss, for failures by third-party providers, or for losses caused by information you entered incorrectly or credentials you shared.
• Where we are liable for a transaction, our liability is limited to the amount of that transaction.
• Nothing in these Terms limits liability that cannot lawfully be limited.

• We may update these Terms. The “last updated” date at the top of this section shows the latest version. If you keep using SStore Pay after an update, you accept the new Terms.

• These Terms are governed by the laws of the Federal Republic of Nigeria.
• Please contact us at [email protected] first so we can try to resolve a problem informally. If we cannot, either side may take the matter to the courts of competent jurisdiction in Nigeria.

SStore Integrated Solutions (RC-9760409), Sangotedo, Lekki, Lagos, Nigeria. Email: [email protected].

SStore Integrated Solutions (RC-9760409) is responsible for your personal data on SStore Pay. Contact: [email protected].

• Account details from your Google sign-in, such as your name, email address and profile information, plus your SStore username, user ID and phone number where needed.
• Transaction data: wallet credits and debits, references, amounts, and the phone numbers, meter numbers or SMS recipients you enter for a purchase.
• Withdrawal details: bank name, account number and account name.
• Technical data such as device information and IP address, used to keep the service secure and prevent fraud.

• To create your account and provide wallet and vending services.
• To confirm payments, deliver purchases, send OTPs and keep your ledger.
• To detect and prevent fraud and other financial crime, and to meet our legal and record-keeping duties.

• Payment processors (Squad and Flutterwave) so your deposits can be processed.
• Telecom, electricity and SMS providers, so your purchases and messages can be delivered.
• Google, for sign-in, and our email and SMS providers, for OTPs and notices.
• Law enforcement, regulators or courts, when the law requires it.
• We do not sell your personal data.

Some providers process data outside Nigeria. We expect them to protect it appropriately under the Nigeria Data Protection Act 2023.

We keep data for as long as we need it to run your account and to meet financial record-keeping and legal obligations.

• Under the Nigeria Data Protection Act 2023 you can ask to access, correct or delete your data, object to or restrict some uses, and withdraw consent where we rely on it. Some records must be kept by law, so deletion is not always possible.
• To use these rights, email [email protected]. You can also complain to the Nigeria Data Protection Commission.

We use reasonable technical and organisational measures to protect your data, but no system is completely secure. SStore Pay is not for anyone under 18.