Please read these Terms and Conditions carefully before accessing or using NetWallet services.

1. Acceptance of Terms

By using NetWallet, you confirm that you agree to these Terms and Conditions. If you do not agree, you must not use our services.

2. Use of Services

• You must comply with all applicable laws and regulations when using NetWallet.
• You are responsible for maintaining the confidentiality of your account credentials and all activities carried out under your account.
• NetWallet reserves the right to suspend or terminate any account where misuse, breach of terms, or suspicious activity is identified.

3. Account Eligibility and Restrictions

• A user is permitted to maintain only one NetWallet account.
• The NetWallet account must be registered using the same email address as the user's linked merchant account.
• Use of multiple NetWallet accounts by a single individual is strictly prohibited.
• NetWallet reserves the right to suspend or permanently block accounts where duplicate accounts, mismatched identities, or misuse is identified.

4. Privacy Policy

Your use of NetWallet is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal data.

5. Financial Transactions

5.1 NetWallet facilitates the transfer of funds between accounts. You are responsible for ensuring that all transaction details provided are accurate.

5.2 NetWallet does not guarantee the availability, security, or accuracy of third-party accounts, payment methods, or platforms. All transactions are carried out at your own risk.

6. Fees and Charges

You may be subject to applicable fees for using NetWallet services.

7. Withdrawals and Usage Conditions

Withdrawals may be subject to platform-specific conditions, including wagering requirements where applicable.

You may only withdraw funds once all applicable conditions have been met.

8. KYC, AML and Compliance

NetWallet operates under strict Anti-Money Laundering (AML) and compliance standards.

We may:

• Request identity verification (KYC) at any time
• Request source of funds or additional documentation
• Monitor transactions and account behaviour for suspicious activity

NetWallet reserves the right to:

• Restrict, suspend, or close accounts
• Delay or block transactions
• Report suspicious activity to relevant authorities

Failure to comply with verification requirements may result in account restrictions.

9. Account Security

Accounts may be temporarily blocked after multiple unsuccessful login attempts to protect user security.

You are responsible for ensuring your login credentials are secure and not shared with any third party.

10. Intellectual Property

All content, trademarks, and materials on the NetWallet platform are the property of NetWallet or its licensors.

You may not copy, reproduce, or distribute any content without prior written consent.

11. Disclaimers

NetWallet services are provided on an "as is" basis without warranties of any kind.

NetWallet shall not be liable for any direct, indirect, incidental, or consequential loss arising from the use of its services.

12. Changes to Terms

NetWallet reserves the right to update or modify these Terms and Conditions at any time.

Any changes will be published on the website, and continued use of the services constitutes acceptance of the updated terms.

13. Fraud and Misuse

NetWallet reserves the right to:

• Investigate any suspected fraudulent or abusive behaviour
• Restrict or suspend accounts involved in suspicious activity
• Reverse or block transactions where misuse is identified

This includes, but is not limited to:

• Use of multiple accounts
• Use of third-party accounts
• Circumventing system controls or platform rules

Last Updated: 09-04-2026

NetWallet is committed to protecting your privacy and ensuring the security of your personal data. This Privacy Policy explains how we collect, use, store, and protect your information when you use our website and services.

By accessing or using NetWallet, you agree to the terms outlined in this policy.

1. Information We Collect

We may collect the following types of information:

Personal Information
Name, email address, phone number, and other details provided during registration or use of services

Financial Information
Transaction details, account activity, and related financial data required to provide our services

Technical Information
IP address, browser type, device information, and usage data

Other Information
Information shared through customer support, feedback, or surveys

2. How We Use Your Information

• Process and facilitate transactions
• Provide and improve our services
• Support customer enquiries and issue resolution
• Maintain system security and prevent fraud
• Comply with legal and regulatory requirements

3. AML & Fraud Monitoring

To comply with legal and regulatory obligations, NetWallet may:

• Monitor transactions and user behaviour
• Analyse patterns to detect fraud or suspicious activity
• Flag high-risk accounts for review

Where required, we may:

• Share relevant data with regulators or law enforcement
• Restrict account activity during investigations

This is done to protect both the business and users from financial crime.

4. Data Security

We implement appropriate security measures, including encryption and access controls, to protect your data.

However, no system is completely secure, and we cannot guarantee absolute security of data transmitted over the internet.

5. Sharing of Information

We may share your information:

• With trusted service providers supporting our operations
• To comply with legal or regulatory obligations
• As part of a business transfer (e.g. merger or acquisition)

We do not sell your personal data.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Improve website functionality
• Analyse usage patterns
• Enhance user experience

You can manage cookie preferences through your browser settings.

7. Third-Party Links

Our website may include links to third-party sites.

We are not responsible for their content or privacy practices.

8. Your Rights

You may:

• Request access to your personal data
• Request correction or deletion of your data
• Manage communication preferences

Requests can be made via the contact details below.

9. Updates to this Policy

We may update this Privacy Policy from time to time.

The latest version will always be available on our website.

10. Contact Us

For any questions regarding this Privacy Policy please contact:

support@thenetwallet.com

NetWallet uses cookies and similar technologies to ensure our services operate effectively and to improve user experience.

This notice applies to:

• Our website and payment platforms
• Mobile and desktop applications
• Communication channels including email, SMS, and web chat

Use of Cookies

Cookies help us to:

• Maintain session functionality
• Understand user behaviour
• Improve service performance

Non-Personal Data

We may collect and use anonymised or aggregated data for:

• Reporting and analytics
• Service improvement
• Business insights

IP Addresses

Where required by law, IP addresses and similar identifiers are treated as personal data and handled accordingly.

Scope

This notice applies to both individual users and business users of NetWallet services.

Last Updated: 09-04-2026

NetWallet aims to provide reliable financial services. This Refund Policy outlines how refund requests are handled.

1. Eligibility for Refunds

• Refunds may be considered depending on the nature of the transaction.
• If funds are not successfully credited to the merchant platform, they will be returned to the user's NetWallet account.

2. Refund Requests

To request a refund, users must contact:

support@thenetwallet.com

Please include:

• Account details
• Transaction reference
• Supporting evidence (if required)

3. Approval of Refunds

• Refunds are reviewed on a case-by-case basis.
• Approval depends on transaction status and compliance with NetWallet policies.

4. Refund Processing

Refunds are processed in two stages:

a. Review & Approval
Refund requests are reviewed based on transaction status and compliance checks. This process may take up to 3-5 business days, depending on the complexity of the case.

b. Refund Credit
Once approved, the refund amount will be credited to the user's NetWallet account. This is typically completed within 24 hours of approval.

5. Refund Amount

Refunds may be:

• Full
• Partial
• Adjusted based on transaction conditions

6. Notification

Users will be informed of refund status via email or phone.

7. Additional Conditions

• Refunds are not guaranteed and depend on the specific circumstances.
• NetWallet reserves the right to decline requests where misuse or policy breaches are identified.