Terms of service

Who you are contracting with

Routegate is operated by BuildOptimus Labs Limited, trading as Routegate, a company registered in Nigeria and based in Abuja, Nigeria. These terms apply when you create an account, call the API or use the dashboard. If you are agreeing on behalf of a business, you confirm you may bind that business.

Your account

You are responsible for everything done with your API keys. Keep them out of client-side code and out of version control. Rotate a key the moment you think it has leaked; you can do that yourself from the dashboard without downtime.

Owners and administrators must have two-factor authentication enabled before any secret is shown to them. We will not disable that requirement on request.

The service we provide

We accept your request, choose a channel, retry or fail over where that helps, and report the final state through the API and through webhooks. We do not guarantee that any individual transaction will succeed, because the networks and providers behind it are outside our control.

What we do guarantee is that you will always know the outcome. No transaction is left pending forever, and you are never charged for an outcome we cannot establish.

Money

Your wallet is a double-entry ledger. A request places a hold, a success settles it and a failure releases it in full. Our fee is charged per successful transaction and appears as its own ledger entry, separate from the face value.

Funding is credited only when a verified gateway callback confirms it. Withdrawals go to a bank account you have verified. We may hold a withdrawal while we investigate activity that looks like fraud, and we will tell you when we do.

Acceptable use

The acceptable use policy is part of these terms. Breaking it is a breach of this agreement.

Suspension and termination

You can close your account whenever you like, and we will return any settled balance to a verified bank account.

We may suspend an account for non-payment, for a breach of the acceptable use policy, or where we are required to by law or by a network operator. Except where the law or an immediate risk prevents it, we will give you notice and a chance to put it right.

Liability

Neither of us is liable to the other for indirect or consequential loss. Our total liability in any twelve month period is limited to the fees you paid us in that period. Nothing here limits liability that cannot be limited by law, including for fraud.

Changes

We will give at least thirty days notice by email before a change that materially reduces what you get. Smaller changes take effect when published, and the date at the top of this page always shows the last change. Questions go to [email protected].