Terms of Use

1. Acceptance of Terms

By accessing or using Selpo ("the App"), you agree to be bound by these Terms of Use. If you are using the App on behalf of a business, that business also accepts these terms.

2. Description of Service

Selpo is a digital platform that allows users ("Creditors") to track debts owed to them and send automated reminders to "Debtors" via WhatsApp and SMS. Selpo is a tracking and notification tool, not a licensed debt collection agency or a financial institution.

3. User Obligations & Conduct

• Accuracy: You represent that all debt information entered is accurate and legally owed.
• Lawful Use: You agree not to use Selpo to harass, threaten, or defame any individual.
• No Force: Using the platform to coordinate illegal debt recovery through force is strictly prohibited.

4. Communication Consent

As a Creditor, you represent that you have the legal right to contact the Debtor. All reminders will include an opt-out mechanism. You are responsible for any carrier charges related to SMS/WhatsApp delivery.

5. Privacy & Data Protection

We collect names and transaction details only to facilitate the service. We implement industry-standard encryption to protect your data. For more details, see our Privacy Policy.

6. Limitation of Liability

Selpo does not guarantee that a debtor will pay. We are not liable for any losses resulting from technical downtime or failed message delivery. Selpo is not a party to any debt dispute.

7. Governing Law

These terms are governed by the laws of the Federal Republic of Nigeria. Any disputes shall be resolved through mediation in Lagos.