Clear rules for using Orbit by Newkipp.

Acceptance of these terms

By creating an account, signing in, registering a company, using the member portal, or joining the merchant program, you agree to use Orbit by Newkipp in line with these terms and all applicable laws.

Accounts, roles, and access

Each company is responsible for the staff, member, merchant, and role-profile access created under its account. Login details must be kept secure, and activities performed with an authorized account may be treated as actions of that user or company.

• Companies should assign only the permissions needed for each staff role.
• Members should keep their portal login, wallet access, and transaction confirmations private.
• Merchants must provide accurate onboarding, contact, and verification details.

Company data, member records, and KYC

Companies remain responsible for the accuracy of member records, savings, loans, investments, repayments, bill payments, branches, reports, and uploaded files. Where KYC, BVN, NIN, photo capture, or identity checks are enabled, users must submit true information and must not verify on behalf of another person without authority.

Billing, wallets, and payment services

Subscription fees, wallet funding, messaging costs, bill payments, gateway charges, and related service fees may apply. Online payments may post automatically after successful confirmation from the payment provider. Manual payments may require review and approval before value is credited.

Third-party services such as payment gateways, bill payment providers, SMS, WhatsApp, email, banking, and verification providers are subject to their own availability, rules, limits, and charges.

Fair use and prohibited activity

You must not use the platform for fraud, unauthorized debits, misleading records, illegal lending, identity misuse, spam, security attacks, reverse engineering, or any activity that can harm NewKipp, its companies, merchants, members, providers, or the public.

Availability, updates, and support

We work to keep the platform reliable, but service may be affected by maintenance, internet failure, hosting, provider downtime, banking network issues, device limitations, or force majeure events. New features, security updates, pricing, and workflows may be improved over time.

Suspension, termination, and changes

Access may be suspended or restricted where there is non-payment, suspected fraud, platform abuse, legal risk, or violation of these terms. NewKipp may update these terms when needed, and continued use after an update means the revised terms apply.