TERMS AND CONDITIONS

Last Updated: June 7, 2025

Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the Blink mobile application (the "Service") operated by BlinkCore Technology Limited ("us", "we", or "our").

Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

1. About Blink and Our Service

Blink is a digital and contactless payment system provided by BlinkCore Technology Limited, a Private Limited Company registered in Nigeria with its registered address at 11, Limpopo Close, Maitama, Abuja.

The Service allows users to make secured and contactless payments. Blink is free to use, and there are no paid features, subscriptions, or in-app purchases within the application. The Service is intended for the general public.

2. Account Creation and Your Responsibilities

  • Account Creation: To use the Service, you must register for an account using your email address and a password.
  • Account Security: You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a third-party service. You agree not to disclose your password to any third party. We strongly advise you to use "strong" passwords (passwords that use a combination of upper and lower case letters, numbers, and symbols) with your account.
  • Accuracy of Information: You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.
  • Account Deletion: You have the right to delete your Blink account at any time by using the "Delete Account" button available within the app.

3. Eligibility

By accessing or using the Service, you represent and warrant that you are at least 13 years of age. If you are under 13, you may not use the Service. If you are between 13 and 18, you must have your parent or legal guardian's permission to use the Service.

4. User Data and Privacy

We collect personal information from you, including your Name, Email, Phone Number, Location, and Device ID. This data is collected primarily via user input to provide and facilitate the payment service (e.g., to allow you to add your debit card to make payments).

We do not use cookies in our app.

Your privacy is important to us. We will process your personal data in accordance with our separate Privacy Policy, which will outline in detail how we collect, use, store, and share your data, and your rights concerning your personal data. The Privacy Policy is an integral part of these Terms and you must read it.

5. Prohibited Conduct and Account Suspension/Termination

You agree not to use the Service for any unlawful purpose or in any way that violates these Terms. Prohibited conduct includes, but is not limited to:

  • Using the Service for any illegal activities or to promote illegal activities.
  • Interfering with or disrupting the integrity or performance of the Service or data contained therein.
  • Attempting to gain unauthorized access to the Service or its related systems or networks.
  • Introducing any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
  • Impersonating any person or entity, or falsely stating or otherwise misrepresenting your affiliation with a person or entity.

Consequences of Violation: We reserve the right to suspend or permanently terminate your account and access to the Service, at our sole discretion, depending on the severity and nature of the violation of these Terms, without prior notice or liability.

6. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of BlinkCore Technology Limited and its licensors. The Service is protected by copyright, trademark, and other laws of both Nigeria and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of BlinkCore Technology Limited.

You acknowledge that all rights, title, and interest in and to the Service, including all associated intellectual property rights, are and shall remain with BlinkCore Technology Limited.

There is no user-generated content (e.g., photos, videos, text) contributed or owned by users within this application.

7. Third-Party Services

The Service integrates with and may use third-party services to facilitate its core functionalities. These include, but may not be limited to:

  • Flutterwave: For payment processing.
  • Smile ID: For verification purposes.
  • Termii: For phone number-related services (e.g., OTP delivery).

You acknowledge and agree that your use of the Service may also be subject to the terms and conditions and privacy policies of these third-party service providers. BlinkCore Technology Limited is not responsible for the practices of these third-party services.

8. Disclaimer of Warranties

Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

BlinkCore Technology Limited does not warrant that a) the Service will function uninterrupted, secure, or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.

9. Limitation of Liability

In no event shall BlinkCore Technology Limited, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

10. Changes to These Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide at least one (1) month prior notice before any new terms take effect. Such notification will be given via email to the address associated with your account and/or by providing an update on our website (www.useblink.co). What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

11. Governing Law and Dispute Resolution

  • Governing Law: These Terms shall be governed and construed in accordance with the Laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions.
  • Dispute Resolution: We encourage you to contact us directly at hello@useblink.co to resolve any concerns you may have regarding the Service. We will endeavor to resolve disputes informally. If a dispute cannot be resolved informally, then the parties agree to resolve the dispute through litigation in the courts of Abuja, Nigeria.

12. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

13. Entire Agreement

These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

14. Contact Us

If you have any questions about these Terms, please contact us: