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Terms of service

The terms that apply when you use AppluxMax.

Last updated 9 November 2026

1. These terms

These terms are an agreement between you and AppluxMax Ventures ("we", "us") for your use of the AppluxMax app. By creating an account you accept them. Our privacy policy explains how we handle your personal information.

2. Your account

  • The details you give us must be true and your own, and you must keep them up to date.
  • Your account is for you alone. Do not let anyone else use it.
  • Keep your password, app PIN and transaction PIN secret. Anything approved with your transaction PIN is treated as approved by you.
  • Tell us straight away at [email protected] if you think someone else has access to your account.

3. Verification and limits

Your account starts on the Basic level. To add money by bank transfer, you need to reach a higher level by giving us identity details that we can verify. Each level has a daily limit on the money you can add, shown in the app. We may ask for more information, or decline a level, when we cannot verify your details.

4. Your wallet

  • Your wallet holds Naira for use in the app. Its balance is the balance shown in the app.
  • Money sent to your AppluxMax account number is added to your wallet once the transfer is confirmed. A transfer that would take you over your daily limit, or that arrives when your account cannot receive transfers, is sent back to the sender.
  • If money reaches your wallet by mistake, we may correct it, and we will tell you when we do.

5. Bill payments

  • Check the details before you confirm. Where a service lets us, we show you the name on the meter or smartcard first. A payment is delivered to the details you entered.
  • The total, including any fee, is shown before you confirm and taken from your wallet when you do.
  • While a payment is being completed it shows as processing. If it fails, the full amount is returned to your wallet.

6. Selling gift cards

  • You sell gift cards to AppluxMax. You must own every card you send and have the right to sell it.
  • The rate and estimated amount are shown before you send a card. Every card is reviewed by our team.
  • When a card is approved, we pay the quoted amount into your wallet. If a card is worth less than the value you entered, we may pay for its real value at the same rate, and tell you why.
  • We may reject a card that is used, invalid, unreadable or not what was described, and we tell you the reason.

7. Withdrawals

  • Withdrawals are paid only to a bank account in your own name that you have saved in the app. You can save up to 3, with one active.
  • Making a different account active, resetting your password, or signing in on a new phone pauses withdrawals for 24 hours, to protect you.
  • Withdrawals have a minimum and maximum amount and a daily total, shown in the app.

8. Fees

Any fee is shown in the app before you confirm the payment or withdrawal it applies to. We may change fees and limits; a change never applies to a payment you have already confirmed.

9. Pausing or closing accounts

We may pause some or all of what your account can do, or close it, when we reasonably suspect fraud or misuse, when you break these terms, or when the law requires it. Where we are allowed to, we will tell you why and how to contact us about it. Money that belongs to you stays yours.

10. Deleting your account

You can ask to delete your account from Profile in the app, using your password. Your wallet balance must be ₦0 first, so nothing is lost. Our team reviews each request and tells you the outcome. While a request is open, new payments, gift card sales and withdrawals are paused.

11. Availability

We work to keep AppluxMax available, but some services may sometimes be unavailable, for example during maintenance or when a service we rely on is down. When a service is unavailable, the app tells you and does not take your money for it.

12. Our responsibility

We are responsible for carrying out the payments you approve, as described in these terms. As far as the law allows, we are not responsible for losses caused by details you entered wrongly, by sharing your password or PINs, or by events outside our reasonable control. Nothing in these terms limits rights you have under Nigerian law.

13. Changes and the law

We may update these terms. We will change the date at the top of this page and, for changes that matter to you, tell you in the app before they apply. These terms are governed by the laws of the Federal Republic of Nigeria. Questions? Email [email protected] or use the contact form.