Terms of Service

By creating a tewo account, downloading the tewo app, or initiating an order, you agree to these Terms of Service and to our Privacy Policy. If you do not agree, do not use tewo.

tewo is a remittance on-ramp. You — or someone funding on your behalf — pay in a supported African currency. We deliver the equivalent CNY only into your own connected Alipay wallet, captured at sign-in via Alipay OAuth.

tewo is not a bank, not a deposit-taking institution, and not a Chinese-yuan wallet. We do not hold customer funds; cleared CNY sits in your Alipay account immediately after a successful payout.

• You must be 18 or older.
• You must be a resident or citizen of a supported African country (Nigeria 🇳🇬 or Ghana 🇬🇭 at launch; more on the way).
• You must have a real-name Alipay account, or be able to bind one before your first payout.
• You must not be on a relevant sanctions list, and not located in a sanctioned jurisdiction.

• You're responsible for keeping your sign-in credentials, your transaction PIN, and your phone confidential.
• Notify us at security@tewoapp.com immediately if you suspect unauthorised access.
• You must provide accurate information at signup and KYC. Misrepresentation is grounds for account closure under §11.
• One person, one account.

Per-student limits are a regulatory requirement, not a soft policy. Every account is bound to a tier; we enforce hard caps in CNY, rolling 24 hours, at the order API:

Tier-up requires the corresponding KYC step. We may also request additional information at any time if regulation, fraud signals, or sanctions screening calls for it.

• Every order starts from a quote — a snapshot of the live rate, our spread, and the resulting CNY amount.
• Quotes are locked for 5 minutes by default. An order created against an unexpired quote uses that exact rate.
• Our spread bands are public: 1.50% → 1.00% → 0.50%, narrower at larger order sizes. The fee is shown upfront in your quote; there are no hidden FX margins on settlement.
• You can extend the lock via the in-app Rate Lock feature (up to 30 minutes) where available.

• For NG orders, we issue a one-time virtual account via Flutterwave.
• For GH orders, we issue one via Paystack.
• The sponsor pays from any local bank app. We only act on the order once we receive a confirmed-funded webhook for the matching amount.
• Underpayments and overpayments are handled per the in-app rules; in most cases an overpayment is refunded to the source account.
• If the quote expires before funding lands, the funding amount is refunded; no payout is issued at a stale rate.

When funding clears, we dispatch alipay.fund.trans.mytransferwith biz_scene = DIRECT_TRANSFER and product_code = TRANS_ACCOUNT_NO_PWD. The payee identity is your bound Alipay open_id, loaded server-side. You cannot specify any other recipient.

• Median payout latency after funded is under 3 minutes; 95p under 15.
• Each order id is the Alipay idempotency key (out_biz_no) — retries cannot double-credit.
• If you signed up with email and have not yet bound Alipay, the order is rejected with ALIPAY_NOT_BOUND and you're routed to the binding flow.

You must not use tewo to:

• Fund anyone other than yourself, by any means (including dummy accounts, lent IDs, or third-party Alipay binding).
• Engage in money laundering, terrorism financing, sanctions evasion, or any activity that breaches AML/CTF rules in your jurisdiction or in China.
• Run business or commercial settlement through a personal tewo account.
• Submit forged identity documents or impersonate another person.
• Probe, scrape, reverse engineer, or attempt to bypass our security, rate locks, tier caps or audit log.
• Use tewo for goods or services prohibited under Chinese or relevant African law.

We monitor for these patterns and we will report to the relevant authorities where required.

Because the payee is always you (already KYC'd by Alipay), the "payee doesn't exist" failure mode is essentially eliminated. The remaining failure modes — merchant balance exhaustion, Alipay-side rate limits, network blips — are triaged by our ops team.

• Failed orders move to payout_failed and a support thread opens automatically inside the app.
• We respond within one business day; most cases resolve same-day.
• If we cannot deliver the CNY for reasons within our control, we will refund the original funding amount in full.

We may suspend or close your account, with or without notice, if we reasonably believe that you have:

• Breached these terms, especially §9 (Prohibited uses).
• Provided false KYC information.
• Triggered repeated fraud or chargeback signals.
• Become subject to a sanctions or legal action that prevents us from continuing to serve you.

You can close your account at any time from Settings. Records we are legally required to retain (see Privacy §7) survive closure for the regulatory window.

• FX rates move. The locked rate inside a quote is honoured for that quote's window; outside that window, rates are subject to change.
• tewo is provided "as is". We do not warrant uninterrupted availability, and we are not responsible for outages caused by upstream providers (Alipay, Flutterwave, Paystack, the GFW, mobile-carrier SMS routing).
• What happens to your CNY after it lands in your Alipay is governed by your relationship with Alipay, not by these terms.

To the maximum extent permitted by law, tewo's aggregate liability to you for any claim arising out of or relating to the service is limited to the greater of (a) the fees we collected from you in the 12 months preceding the event, or (b) the equivalent of ¥500 in your funding currency.

We are not liable for indirect, consequential or special losses, including lost opportunity, missed tuition deadlines, or downstream actions taken by Alipay or any third party.

These terms are governed by the laws of the Federal Republic of Nigeria. Any dispute that the parties cannot resolve informally within 30 days will be referred to arbitration seated in Lagos, conducted in English, under the Arbitration and Mediation Act 2023, by a single arbitrator agreed by the parties.

Nothing in this section prevents either party from seeking urgent injunctive relief from a competent court where necessary.

We may update these terms. The "Last updated" date at the top is authoritative. Material changes will be announced in-app and by email at least 14 days before they take effect. Continuing to use tewo after a change takes effect means you accept the updated terms; if you don't, close your account before the effective date.

General support

support@tewoapp.com

Compliance & regulatory

compliance@tewoapp.com

Legal notices

legal@tewoapp.com