1. Accounts

Open or have more than one personal account with Cellus. Personal accounts are for use in person-to-person transfers with friends, family, and other people whom you know as well as to make authorized merchant payments. Each user is limited to one Cellus Tag and one account per individual.

2. Unlawful Activity

Activity which would violate, or assist in violation of, any law, statute, ordinance, or regulation. This includes engaging in any criminal or tortious activity, including without limitation:

• Child pornography or exploitation
• Trafficking in obscene material
• Drug dealing or illegal substance transactions
• Gambling or illegal betting activities
• Money laundering or terrorist financing
• Violation of Nigerian financial regulations or CBN guidelines
• Tax evasion or fraud

3. Abusive Activity

Activities which impose an unreasonable or disproportionately large load on our infrastructure, or detrimentally interfere with, intercept, or expropriate any system, data, or information, including:

• Transmit or upload any material to the Cellus Services that contains viruses, trojan horses, worms, or any other harmful or deleterious programs
• Attempt to gain unauthorized access to Cellus Services, other Cellus customer accounts, computer systems or networks connected to the Cellus Services, through password mining, scraping, or any other manual or automated processes
• Use Cellus account information of another party to access or use Cellus Services, except where expressly authorized by a user to access such information
• Transfer your account access or rights to your account to a third party
• Collect information from Cellus Services about others, including without limitation personal information such as phone numbers or customers' names, without proper consent
• Manipulate Cellus Tags or attempt to create fake identities
• Abuse currency conversion features or attempt to exploit exchange rate differences

4. Abuse of Other Cellus Customers or Cellus Employees

Engage in abusive activities or communications (oral or written) in connection with use of the Service that are explicit, abusive, or hate speech directed toward other Cellus customers or Cellus employees. This includes without limitation activities that:

• Defame, abuse, extort, harass, stalk, threaten or otherwise violate or infringe the legal rights (such as, but not limited to, rights of privacy, publicity and intellectual property) of others
• Interfere with another individual's or entity's access to or use of any Cellus Services, including other Cellus customers or Cellus employees
• Send threatening or abusive messages through Cellus Tags or payment descriptions
• Engage in discriminatory behavior based on race, religion, gender, or other protected characteristics

5. Fraud

Activity which operates to defraud Cellus customers, or any other person or entity, including:

• Provide any false, inaccurate, or misleading information to Cellus
• Create fake transactions or manipulate transaction history
• Use stolen or fraudulent payment methods
• Impersonate another person or entity
• Engage in advance fee fraud (419 scams) or romance scams
• Submit false KYC documentation or identity verification
• Engage in chargeback fraud or dispute legitimate transactions

6. Sanctioned Activity

Activity that may be in violation of regulations administered by relevant sanctions authorities, including but not limited to:

• The United States Department of the Treasury's Office of Foreign Asset Control (31 C.F.R. Parts 500-599)
• Nigerian sanctions and financial regulations
• United Nations Security Council sanctions
• European Union sanctions regimes

Prohibited activity includes but is not limited to the provision of Cellus Services to or for the benefit of a jurisdiction, entity, or individual blocked or prohibited by relevant sanctions authorities, including but not limited to activities in Iran, Cuba, North Korea, Syria, or the Crimea Region of Ukraine. If found to be in apparent violation of these restrictions, your account could be terminated and your funds could be held for an indefinite period of time.