Jollozi Terms of Service
Last updated: 29 October 2026. These terms apply from that date to every business and person who uses Jollozi.
1.Who we are and what these terms cover
Jollozi is a service of FlashPay ("FlashPay", "we", "us", "our"). Our registered company details are in section 26.
These terms are an agreement between FlashPay and the business that uses Jollozi ("you", "your business"). They cover every Jollozi product and app: Jollozi POS (the till), Jollozi Table, Jollozi Stay, Jollozi Shop, Jollozi Express, the owner app, the back office, the menu, bill and room pages your guests open by scanning, the builder at get.jollozi.com, and our websites.
You accept these terms when you sign in to Jollozi, create a business, sign an order form that refers to them, or let your staff use Jollozi. If you don't agree with them, don't use Jollozi.
Your agreement with us is made up of, in this order when they disagree: (a) an order form or partner agreement you have signed with us, (b) these terms, (c) the price list that applies to you, and (d) our Privacy Policy. If you are a guest or customer of a business that uses Jollozi, section 25 is for you.
2.Who can use Jollozi
- Jollozi is for businesses that trade in Nigeria: cafés, restaurants, bars, fast food, hotels and guest houses, shops, pharmacies, supermarkets and similar businesses. It is not for personal, household or consumer use.
- The person who accepts these terms must be at least 18 and have authority to bind the business. If you accept for a company, partnership or sole trader, you confirm that you can.
- The details you give us about your business (name, address, registration, bank details, contact numbers) must be true and kept up to date. We may ask for documents to verify them, and we may refuse or close an account we cannot verify.
- Your bank details are shown to your customers so they can pay you. You must only give us accounts that belong to your business and that you are allowed to use.
3.Your account, staff and devices
Owners and staff
Each business has one or more owners who sign in to Jollozi. Owners add locations, tills, staff and settings. Staff use the till with a PIN. Some actions (refunds, reversals, voids, discounts above a limit) need an approver's PIN. You decide who gets which PIN and which rights, and you are responsible for everything done with them.
- Keep sign-in details and PINs secret. Change a PIN as soon as a staff member leaves or a PIN may have leaked.
- Tell us straight away at hello@flashpayweb.com if you think someone is using your account without permission.
- We treat anything done from your account or with your PINs as done by you, until you tell us otherwise.
Devices and connection
Jollozi runs in a browser on devices you provide: a tablet or phone at the counter, the owner's phone, staff phones. You are responsible for your devices, their security and their internet connection. The till keeps working when the connection drops and syncs when it is back; you must bring a till back online regularly so sales reach your records, your other tills and the owner app. Sales that never sync because a device is lost, wiped or kept offline cannot be recovered by us.
4.The products
- Jollozi POS: the till. Sales, cash, transfer and card payments, receipts, shifts and day close, products and stock, staff PINs and approvals, credit and refunds, the owner app and sync between tills.
- Jollozi Table: guests scan a QR at the table, order, call a waiter, split the bill and pay. Orders land on the till.
- Jollozi Stay: check-in, room requests, room service, room bills and, where turned on, calling between a guest's phone and your staff.
- Jollozi Shop: a till for shops and supermarkets with barcodes, baskets and stock.
- Jollozi Express: order from the line or a kiosk, pay first, the phone rings when the food is ready.
- The builder: where a new business tells us about itself, scans its menu and gets its first menu page.
Some products and features are new or still being built, and we say so where you turn them on. Anything marked early access, pilot or beta may change, be limited, or stop, and we give it to you as it is. Products that are not yet generally available (today Shop and Express) are offered only to businesses we have agreed a pilot with.
5.How money moves
This is the most important thing to understand about Jollozi:
- Your customers pay you directly. A transfer goes from the customer's bank account to your bank account. Card payments go through your bank's or PTSP's terminal to your account. Cash goes into your drawer. Jollozi shows the customer where to pay and records what you tell it has been paid.
- Jollozi never receives, holds, settles or moves your money. We are not a bank, a payment service provider, a switch, a wallet, an escrow or a collection agent, and we do not give financial advice. Any money that goes missing between your customer and your bank account is a matter between you, your customer and the banks involved.
- Cash and card payments are recorded as your staff enter them. Jollozi cannot see your drawer or your card terminal. The totals in your reports are only as true as what was entered.
If FlashPay later offers a service that does collect or settle money for you, it will have its own terms and you will have to opt in to it.
6.Confirming transfers
A transfer is paid when the money has arrived in your account, not when a customer says it has been sent.
When your staff confirm
Until FlashPay confirmation is switched on for your business, and for any payment it does not cover, your staff confirm a transfer by checking your bank's own alert or app and then marking the sale paid on the till. Jollozi records who confirmed what, for how much and when, and warns about likely duplicates. Those warnings are an aid, not a check we make with your bank.
- A guest's "I've sent the money" message on their phone is a claim. Jollozi shows it as a claim. It is never a confirmation, and it never marks a sale paid by itself.
- You carry the risk of a transfer your staff confirmed that did not arrive, arrived short, or was reversed, including fake alerts, edited screenshots and payments to the wrong account. Train your staff to check the bank, not the customer's screen.
When FlashPay confirms
Where FlashPay confirmation is switched on for your business, a transfer is marked paid when the confirmation reaches us from the bank's side. We pass on what the bank tells us as fast as we can, but we do not guarantee that a confirmation arrives, how fast it arrives, or that a bank never later reverses a payment. If the bank's confirmation and your account differ, your account is right, and you should tell us so we can look into it.
Payments, confirmed or not, show in your reports and day close so that sold equals paid. Reconciling your reports against your bank statement remains your job.
7.Fees, billing and plans
What you pay
- A subscription per location per month for the plan and products you turn on. Jollozi POS Free costs ₦0 and has limits (for example one till and a number of products). Paid plans and add-ons (Standard, Table, Stay, Shop, Express, extra tills) are priced on the price list.
- A payment fee on each successful payment recorded on the till, whether transfer, card or cash: a small percentage of the payment, never more than a fixed cap per payment. The current rate and cap are on the price list. The fee pays for recording, reconciling and closing every sale, and, for transfers, for confirmation where it is on.
- VAT at the Nigerian rate is added to all of our fees.
The price list is the one published on jollozi.com or shown to you in your account or order form at the time you order. If you came to Jollozi through a bank or partner, the prices in that partner's agreement apply instead (section 18).
How and when
- Subscriptions are billed monthly in advance, or yearly in advance where you chose a yearly plan. Payment fees are billed monthly in arrears for the previous month's recorded payments.
- We collect what you owe by the method you agreed in your account or order form: a bank transfer against our invoice, a direct debit mandate on your business account, or, for transfers FlashPay confirms, deduction from the amount settled to you where your bank offers that. Each invoice is due within 7 days.
- A yearly plan is paid for twelve months at the price list's yearly rate and is not refunded if you stop early, except where section 22 or section 19 says otherwise.
- If you are late, we remind you. If an invoice is still unpaid 7 days after a reminder, we may move your locations to the Free plan or suspend them until it is paid. We may charge interest on late amounts at 1% a month and recover reasonable collection costs.
Changing prices and plans
- You can change plans or add and remove products and locations in your account at any time. Going up takes effect at once and is charged pro rata; going down takes effect from your next billing month.
- We may change the price list. We give you at least 30 days' notice by email or in the app before a price increase applies to you. A yearly plan keeps its price until it renews. If you don't accept an increase, you can cancel before it applies (section 19).
- Volume discounts, pilot prices and free months are what your order form or partner agreement says, and end when they say.
8.Stickers, stands and other hardware
We may sell you NFC and QR stickers, countertop stands, table QR plates and similar items at the price list's prices, payable before we ship. Hardware stays ours until paid for.
- We replace items with manufacturing defects reported within 12 months of delivery. We don't cover wear, damage, loss or misuse. Stickers and plates that have been applied, cut or written on cannot be returned.
- Stickers and plates carry codes tied to your business and location. Don't move them to another business or let another business use them. Tell us if a sticker is lost or stolen so we can retire its code.
- Devices you buy elsewhere (tablets, phones, printers, card terminals) are covered by their makers' terms, not ours.
9.Refunds and disputes with your customers
Refunds, reversals, credit notes and chargebacks are between you and your customer, and between you and your bank or PTSP. Jollozi records a refund your approver authorises so your books stay true; it does not move money back to anyone. Card chargebacks follow your bank's or PTSP's rules, and we are not a party to them.
If a customer disputes a payment, you must sort it out with the customer and your bank. We will give you the records Jollozi holds about the sale on request.
10.Your customers, receipts and taxes
- You are the seller. The food, drinks, rooms, goods and services you sell, their prices, quality, safety, availability and delivery are your responsibility, as is complying with the Federal Competition and Consumer Protection Act, food safety, hospitality and licensing laws, and anything else that applies to your trade.
- Receipts, bills and room folios show what you entered. You are responsible for their content, for charging and remitting VAT and any other tax on your sales, and for keeping the records your tax authority requires. Jollozi's reports help, but they do not replace your accounts.
- If you add a service charge, convenience fee or any other charge to what a guest pays, you must show it to the guest before they pay, and it must be lawful.
- Jollozi keeps a record of every sale, payment, refund, shift and day close for your business. You can export your reports from the owner app or back office at any time while you are a customer.
11.Your menu, content and scanned menus
Your menu, product names, descriptions, prices, photos, logo, business name and anything else you put into Jollozi is yours. You give us permission to store, copy, show and format it so that Jollozi can work, including showing your menu to your guests and printing it on receipts. We don't use your content for anything else without asking you.
- You confirm you have the right to use what you upload (for example photos and logos) and that it is lawful, accurate and not misleading.
- Scanned menus. When you photograph a menu, AI reads it to build your product list. AI makes mistakes: wrong prices, missed items, misread names. Check every scanned menu before you publish it or sell from it. You are responsible for the prices you charge, however they got into Jollozi.
- We can remove content that breaks the law or these terms, and we will tell you when we do.
12.Data protection
We follow the Nigeria Data Protection Act 2023. Our Privacy Policy says what we collect, why and for how long.
Two kinds of data
- Your business's data (owners, staff, contact details, bank details shown to customers, billing): we decide how it is processed, and we are the controller.
- Your customers' and guests' data (orders, tables, room numbers, notes, phone numbers for Stay, claims that a transfer was sent): you collect it to run your business and we process it for you. For this data you are the controller and we are your processor.
As your processor we will
- process guest data only to provide Jollozi to you and as these terms and your settings say, and never sell it or use it for advertising;
- keep it secure with technical and organisational measures appropriate to the risk, and tell you without undue delay if we learn of a breach affecting it;
- use only sub-processors that are bound by written terms at least as protective as these (today Google Cloud, which hosts Jollozi in the EU, and the AI service that reads menu photos; the current list is in the Privacy Policy), and tell you before we add one so that you can object;
- help you answer guests who ask to see, correct or delete their data;
- return or delete guest data when the agreement ends, as section 19 says, except what the law requires us to keep.
You will
- have a lawful reason to collect each piece of guest data, tell guests how you use it where the law requires, and collect only what you need (for example a guest's phone number for Stay only to serve their stay);
- not upload sensitive personal data (health, religion, biometrics and so on) into Jollozi;
- keep your staff's access to guest data limited to their work, and answer guests' requests about their data.
Jollozi is hosted outside Nigeria. By using it you instruct us to transfer the data above to our hosting providers in the European Union under safeguards the Act allows.
13.Alerts, messages and calling
- Jollozi sends you and your staff service messages: push alerts (cash short, a guest's claim unanswered, a day closed), emails, WhatsApp messages and SMS about your account, your sales and changes to Jollozi. You can turn alert types off in settings, but not messages we must send about your account, billing or these terms.
- Jollozi Stay can link a guest's phone to their room and, where turned on, connect calls between the guest and your staff. You must tell guests at check-in that this is how requests and calls work. Calls are not recorded by us unless a feature says so and you have turned it on.
- You may not use Jollozi, or the phone numbers or details it holds, to send marketing to guests, unless the guest has clearly agreed to receive it and you comply with the law. We don't send marketing to your guests.
14.Availability, support and changes to Jollozi
- We work to keep Jollozi available every hour your business is open, and to tell you about planned maintenance ahead of time. We don't promise it will never be down, slow or wrong. The till keeps selling offline so a short outage shouldn't stop your counter.
- Support is by email at hello@flashpayweb.com and by WhatsApp on the number in your account, on working days in Lagos time. A paid plan or order form may give you more.
- We improve Jollozi continually. We may add, change or remove features. When a change takes away something you rely on in a paid plan, we tell you at least 30 days before, and you can cancel before it happens if you don't want it.
- You must use the current version of the apps. We may stop supporting old devices or browsers with notice.
15.Acceptable use
Don't, and don't let your staff or customers:
- use Jollozi for anything unlawful, including money laundering, selling goods you may not sell, or evading tax;
- record sales or payments you know to be false, confirm transfers you have not checked, or use Jollozi to deceive customers, staff, banks, partners or us;
- use another business's account, stickers or codes, or let anyone outside your business use yours;
- try to break into, overload, scrape, copy, reverse engineer, resell or build a competing product from Jollozi, or remove our notices;
- upload malware, or content that is abusive, hateful, pornographic, or infringes someone's rights;
- use Jollozi in a way that harms other Jollozi businesses, their guests, our partners or us.
We may investigate suspected misuse and suspend an account while we do (section 19).
16.Our property, your feedback and the Jollozi name
- Jollozi, its software, design, text, images, trademarks and the Jollozi and FlashPay names belong to us or our licensors. You get a limited, non-exclusive, non-transferable right to use Jollozi for your business while this agreement lasts, and nothing more.
- You may say that your business "runs on Jollozi" and use the badges, stickers and signs we give you for that, as we give them. Don't change them or suggest we endorse your products.
- If you give us ideas or feedback, we can use them without owing you anything. We won't say they came from you without asking.
- We may name your business as a Jollozi customer in sales material only if you agree, and you can withdraw that at any time.
17.Third parties
Jollozi depends on services we don't control: your bank and your customers' banks, the switches and the FlashPay network that carry confirmations, card terminals and PTSPs, mobile networks, device makers, app stores, Google Cloud, Google's AI and maps services, messaging services such as WhatsApp, and delivery platforms you link to from your menu. Their outages, errors, fees and rules are theirs. We are not responsible for them, and we don't promise that a third party keeps working with Jollozi.
18.Banks and partners
You may get Jollozi through a bank, PTSP or other partner. In that case:
- what you pay, who bills you and any free period are set by your agreement with the partner, and the partner may receive a share of our fees;
- the partner may see information about your use of Jollozi that it needs to bill or support you, and we may share such information with it;
- these terms still govern how you use Jollozi, and we remain responsible for the service. If the partner's agreement and these terms disagree about use of the service, these terms apply; if they disagree about price and billing, the partner's agreement applies;
- if your partner agreement ends, you may continue on our price list or cancel.
19.Suspension and ending the agreement
By you
You can cancel any location, product or your whole account at any time in your account or by emailing us. Monthly plans end at the end of the paid month. Yearly plans end at the end of the paid year unless we have changed prices or terms against you (section 7, section 22), in which case we refund the unused months.
By us
- We may suspend or limit your account at once if we reasonably believe it is being used for fraud or anything unlawful, to harm guests, partners or us, or if a court, regulator or bank requires it. We tell you as soon as we lawfully can.
- For any other breach of these terms, including not paying, we tell you what is wrong and give you at least 7 days to fix it before we suspend or close your account.
- We may close any Free plan account that has recorded no sales for 12 months, after a 30-day warning by email.
- We may stop offering Jollozi or a product altogether with at least 90 days' notice, refunding any prepaid amount for the period after it ends.
What happens then
- You can export your reports and menu for 30 days after the end, unless we closed the account for fraud.
- We delete your business's and guests' data within 90 days after that, except what we must keep by law (tax and company law can require records to be kept for six years) and anonymised statistics.
- Fees you owe up to the end stay due. Sections that by their nature should survive (payment of fees, liability, indemnity, data, law) do.
20.What we are and aren't liable for
We provide Jollozi with reasonable skill and care. Beyond that, and as far as Nigerian law allows:
- Jollozi is provided as it is. We don't promise it is error-free, always available, or fit for a purpose we haven't agreed in writing.
- We are not liable for: a transfer your staff confirmed that did not arrive, arrived short or was reversed; a fake alert or edited screenshot accepted by your staff; money paid to a wrong account; cash or card totals entered wrongly; losses from a device, connection, bank, partner or other third party failing; sales lost from a device that never synced; your taxes or penalties; a scanned menu you did not check; or anything caused by your breach of these terms.
- We are not liable for indirect or consequential loss, loss of profit, revenue, business, goodwill or data, however caused.
- Our total liability to you for everything arising in any 12-month period is limited to the fees you paid us for Jollozi in the 12 months before the first event giving rise to the claim, or ₦50,000 if that is more.
Nothing in these terms limits our liability for fraud, for death or personal injury caused by our negligence, for our wilful misconduct or gross negligence, or for anything else that the law does not let us exclude.
21.Claims against us because of your business
If someone brings a claim against us because of what your business sold or did, your content, your breach of these terms or of the law, or your handling of guests' data, you will cover our reasonable losses, costs and legal fees from it. We will tell you about such a claim promptly and let you take part in defending it.
22.Changes to these terms
These terms are subject to change. We may change them at any time, and when we do:
- We give you at least 30 days' prior written notice before the new terms apply, by email to the address on your account and by a notice in the app, saying what has changed and the date the new terms take effect. We also post the new terms on this page with a new "last updated" date.
- If you do not object in writing to hello@flashpayweb.com before that date, you are taken to have accepted the new terms, and they are enforced from that date on every use of Jollozi by your business.
- If you object before that date and we cannot agree, either of us may end the agreement on that date. Until then the old terms apply, and we refund any prepaid period that falls after the end (section 19).
- A change that only corrects a typo, updates contact details or describes a new product you have not turned on does not need the notice; we simply update this page.
23.Law and disputes
- These terms are governed by the laws of the Federal Republic of Nigeria.
- If there is a problem, tell us first at hello@flashpayweb.com. We will try to settle it with you in good faith within 30 days.
- If we can't, either of us may go to the courts of Lagos State, Nigeria, which have jurisdiction, unless we both agree in writing to mediation or arbitration in Lagos under the Arbitration and Mediation Act 2023 instead.
- Nothing here takes away rights that consumer protection law gives a guest or customer.
24.General
- Notices to you go to the email, WhatsApp number or in-app inbox on your account; keep them current. Notices to us go to hello@flashpayweb.com.
- Transfer. You may not transfer this agreement without our written consent. We may transfer it to a FlashPay group company or a buyer of the Jollozi business, telling you when we do.
- Events outside our control (power or network failures beyond us, strikes, floods, unrest, government action, a bank or partner shutting down) excuse either of us from what they prevent, while they last.
- Whole agreement. The documents in section 1 are the whole agreement between us about Jollozi and replace earlier discussions. Nothing in them creates a partnership, agency or employment between us.
- If a part is invalid, the rest stands and the part is read as narrowly as needed to be valid. Not enforcing a term once is not a waiver of it.
- Language. These terms are written in English. A translation is for convenience; the English text governs.
25.If you are a guest or customer
You might meet Jollozi by scanning a QR code at a table, in a room, on a counter or in a shop. When you do:
- Your order and your payment are with the business, not with us. The business sets prices, makes your food, provides your room, delivers your goods and handles any refund or complaint. Talk to the business first; we can't refund you because we never hold your money.
- Pay only to the account shown on the page the business gave you, and only when you are sure the page is the business's. If in doubt, ask the staff.
- Tapping "I've sent the money" tells the business you have paid. Only tap it when you have. Falsely claiming to have paid is fraud, and the business may report it.
- You don't need an account. Your phone keeps a random identifier so the business can match your order and bill. In Stay, the business may link your phone number to your room to serve you; it is your choice to give it. How we handle this data is in our Privacy Policy, and your rights under the Nigeria Data Protection Act 2023 are set out there.
- Use the pages fairly: no false orders, no abuse of staff through the pages, no attempts to break them.
- We provide the pages as they are and, as far as the law allows, are not liable for the business's products, service or payments, or for indirect loss. Nothing here limits your rights under the Federal Competition and Consumer Protection Act or other consumer law.