Quickzy – Wallet Usage & Transaction Policy

Effective Date: 1st December 2025

I. PURPOSE & SCOPE

This Wallet Usage & Transaction Policy governs the use of the digital wallet and all financial transactions conducted within the Quickzy Platform.

This Policy applies to:

• All users maintaining a Quickzy wallet

• All payments, deposits, withdrawals, transfers, and service charges

• All promotional credits, bonuses, and internal balances

By using the Quickzy wallet, you agree to comply fully with this Policy.

II. WALLET NATURE & LIMITATIONS

1. The Quickzy wallet is a closed-loop digital balance system usable only within the Quickzy Platform.

2. Wallet balances:

   • Are non-transferable outside the Platform

   • Do not earn interest

   • Do not represent a bank account

   • Cannot be converted into cash unless explicitly enabled by Quickzy

3. Quickzy does not provide lending, credit, or overdraft facilities.

III. WALLET REGISTRATION & ELIGIBILITY

1. Only verified users may activate and operate a Quickzy wallet.

2. Users must provide accurate and complete information during wallet activation.

3. Quickzy reserves the right to:

   • Approve or reject wallet activation at its discretion

   • Suspend wallet access for incomplete, false, or outdated information

IV. DEPOSITS & TOP-UPS

1. Users may add funds through the approved payment methods available within the Platform.

2. All deposits:

   • Are final and non-refundable

   • Are credited after successful confirmation

   • Cannot be reversed once reflected

3. Quickzy is not responsible for delays caused by:

   • Payment gateways

   • Network failures

   • Banking or third-party processing systems

V. WALLET USAGE RULES

Wallet balances may only be used for:

• Service payments

• Platform fees

• Subscription charges

• Campaign or promotional services

• Any other Quickzy-approved in-platform transaction

Users may not use the wallet for:

• External transfers

• Illegal transactions

• Money laundering

• Gambling or prohibited services

• Third-party settlements outside Quickzy

VI. WITHDRAWALS & PAYOUTS

1. Withdrawals are permitted only if explicitly enabled by Quickzy for eligible users.

2. Withdrawal approvals are subject to:

   • Identity verification

   • Transaction review

   • Platform risk checks

3. Quickzy reserves the right to:

   • Delay, limit, or reject withdrawals

   • Freeze payout access in suspicious cases

4. All withdrawal-related processing fees, if any, shall be borne by the user.

VII. TRANSACTION RECORDS & STATEMENTS

1. All wallet transactions are digitally logged for transparency and audit purposes.

2. Users may view transaction history through the Platform dashboard.

3. Quickzy’s internal transaction records shall serve as the final and binding reference in all disputes.

VIII. PROMOTIONAL BALANCES & BONUSES

1. Promotional credits, free balances, and bonuses:

   • Are issued at Quickzy’s sole discretion

   • May carry usage restrictions

   • Are non-withdrawable unless clearly stated

2. Any misuse may result in:

   • Immediate deduction

   • Wallet suspension

   • Account restriction

3. If misuse results in a negative balance, the user must settle the amount before further use.

IX. CHARGEBACKS, DISPUTES & FRAUD

1. Users expressly agree not to initiate chargebacks or payment disputes.

2. Any chargeback attempt will result in:

   • Immediate wallet freeze

   • Permanent account suspension

   • Blacklisting from future platform use

3. Fraud includes, but is not limited to:

   • Use of stolen payment instruments

   • Identity manipulation

   • Bonus abuse

   • Transaction looping or wash activity

4. Proven fraud will result in immediate irrecoverable termination.

X. WALLET SUSPENSION & TERMINATION

Quickzy may suspend or permanently disable wallet access if:

• Fraud or abuse is suspected

• Legal or security risks arise

• This Policy is violated

• Platform misuse is detected

Suspended wallets may have funds frozen pending investigation.

XI. DATA SECURITY & ENCRYPTION

1. Wallet data is protected through:

   • Encrypted transaction logs

   • Secure authentication mechanisms

   • Access-controlled financial systems

2. Quickzy does not store full payment card details.

XII. LIMITATION OF LIABILITY

Quickzy shall not be liable for losses arising from:

• Unauthorized user access

• Device malware or hacking

• Payment gateway failures

• Network errors

• User negligence

Users bear full responsibility for protecting their access credentials.

XIII. POLICY MODIFICATIONS

Quickzy reserves the unrestricted right to update, amend, or replace this Wallet Usage & Transaction Policy at any time. Updates shall take effect immediately upon publication within the Platform.

XIV. POLICY ENFORCEMENT

Violation of this Policy may result in:

• Wallet freeze

• Account suspension

• Permanent termination

• Legal enforcement

• Financial recovery actions

✅ Final Acknowledgment
By using the Quickzy Wallet, you confirm that you have read, understood, and agreed to comply fully with this Wallet Usage & Transaction Policy.