About FroggyTalk
Scope, acceptance and order of precedence
Definitions
Eligibility, account registration and security
The FroggyTalk services
Calling service
Calling Credit, vouchers, prices and expiry
Payments, taxes, receipts and payment processors
Consumer withdrawal rights and refund policy
Billing disputes and chargebacks
Bill Payment Solution and commercial agency model
Radio, directories and third-party content
Acceptable use rules
Availability, maintenance, suspension and changes to services
Privacy, communications data and international processing
Appbeam Technology Limited and other FroggyTalk Group support
Third-party services, app stores and integrations
Intellectual property rights
Warranties, disclaimers and user responsibility
Liability
User indemnity
Termination and account closure
Changes to these Terms
Complaints, customer support and dispute handling
Governing law and jurisdiction
Miscellaneous

FroggyTalk Terms and Conditions

Effective date: 11 August 2026

These Terms and Conditions (Terms) govern your access to and use of the FroggyTalk mobile application, website, calling services, Calling Credit, vouchers, radio, bill payment services, and any other services that we make available under the FroggyTalk brand. Please read them carefully before using FroggyTalk or making a purchase.

1. About FroggyTalk

1.1 FroggyTalk is the trading name of Appbeam Technology B.V., registered with the Dutch Chamber of Commerce (KVK) under number 97711160, with registered address at Koninginnegracht 10, 2514AA ‘s-Gravenhage, the Netherlands and VAT no NL868196137B01. Depending on the services used, a different FroggyTalk Group entity may be responsible for providing those services. Where a different FroggyTalk Group entity is involved, that entity will be expressly identified at the point of contracting. The FroggyTalk Group entities include: Appbeam Technology Limited, Harmony Close, Harmony Estate, Okeiranla, Off Addo Road, Ajah, Lagos, Nigeria.

1.2 In these Terms, FroggyTalk, we, us or our means the FroggyTalk contracting entity identified above. FroggyTalk Group means FroggyTalk and its affiliates, including Appbeam Technology Limited.

1.3 Other FroggyTalk Group entities may support the platform, customer operations, technical development, supplier relationships and certain bill payment services, either as an affiliate/subcontractor of FroggyTalk or, where expressly disclosed, as a local operating partner or agent of a Service Provider.

1.4 You can contact us at support@froggytalk.com, via WhatsApp at +31657848469, via live chat accessible through the FroggyTalk mobile App or www.Froggytalk.com.

2. Scope, acceptance and order of precedence

2.1 These Terms apply whenever you download, install, access or use the App, create an Account, purchase or use Calling Credit or a Voucher, use our calling service, submit a bill payment request, access radio or directory content, or otherwise use any FroggyTalk Service.

2.2 By creating an Account, clicking or tapping to accept these Terms, purchasing a Service, using Calling Credit, submitting a bill payment request, or continuing to use the Services after being notified of an update, you agree to these Terms.

2.3 If you do not agree to these Terms, you cannot use the Services. If you are using the Services on behalf of a business or organisation, you confirm that you have authority to bind that business or organisation.

2.4 Additional terms may apply to specific Services, countries, payment methods, promotions, app stores, third-party providers, or bill payment providers. Those additional terms form part of your agreement with us where they are presented to you before or during use of the relevant Service.

2.5 If there is a conflict between these Terms and a service-specific term, the service-specific term shall prevail and govern in respect of that Service. Nothing in these Terms excludes or limits any rights that cannot be excluded or limited under mandatory applicable law.

2.6 Our Privacy Policy and Cookie Policy explain how we collect and use personal data, and how we use cookies. They do not replace these Terms and should be read separately. You can find our Privacy Policy here: Privacy Policy – FroggyTalk and our Cookie Policy here: Cookie Policy (EU) – FroggyTalk.

3. Definitions

Account: your registered FroggyTalk account.

Account Activity: the purchase of Calling Credit, the use of Calling Credit to initiate or complete a call via the FroggyTalk platform, the completion of a bill payment request.

App: the FroggyTalk mobile application and any related web application or software interface.

Bill Payment Solution: the service that allows users to request or arrange payment for third-party services such as airtime, utilities, subscriptions, data bundles, internet, television, public or private service bills or other biller services made available through FroggyTalk.

Calling Credit: prepaid credit purchased or credited to your Account and usable only for eligible FroggyTalk calling services, unless we expressly say otherwise.

Consumer: a natural person acting for purposes outside their trade, business, craft or profession.

Service Provider: a third-party biller, utility provider, telecommunications provider, content provider, merchant, network operator, bank, payment service provider, aggregator, or other third party involved in making a Service available.

Services: all services made available by FroggyTalk, including calling, Calling Credit, vouchers, the App, the Bill Payment Solution, directory features, radio access and support services.

User, you or your: the person or business accessing or using the Services.

Voucher: a promotional code, prepaid voucher, bonus credit, coupon or similar benefit that can be redeemed in accordance with its stated terms.

4. Eligibility, account registration and security

4.1 You must be at least 18 years old, or the age of legal capacity in your country of residence if higher, to create an Account or make purchases. If mandatory law permits a younger user to use the Services with parental or guardian consent, the parent or guardian is responsible for that use.

4.2 You must provide accurate, current information when creating or using an Account, including your phone number, email, payment details and any other information reasonably required for the Services you use.

4.3 You are responsible for maintaining the confidentiality and security of your Account credentials, devices, phone number, email account and payment instruments. You must notify us promptly if you suspect unauthorised access or misuse.

4.4 You must not sell, transfer, lend, rent, share or assign your Account without our prior written consent. We may require verification before allowing access to, changes to or recovery of an Account.

4.5 We may refuse registration, suspend access, require re-verification or close Accounts where we reasonably suspect fraud, abuse, identity misuse, payment risk, breach of these Terms, unlawful activity, sanctions risk, security risk or regulatory risk.

5. The FroggyTalk services

5.1 FroggyTalk may provide some or all the following Services:

calling services using the App, including paid calls funded by Calling Credit;
Calling Credit, Vouchers and promotional credits;
access to radio stations, radio programmes or other third-party media content;
the Bill Payment Solution; and
customer support, notifications and any related services we make available.

5.2 The Services may require a compatible device, an internet connection, a valid phone number, a valid email address and supported payment method. Your mobile operator, internet provider or other third party may charge you for data, roaming, SMS, calls or other connectivity.

5.3 Services, features, prices, destinations, suppliers, supported countries, currencies and payment methods may vary by location, device, operating system, app version, regulatory requirements and supplier availability.

5.4 We may introduce, change, limit, suspend or withdraw features where reasonably necessary for technical, security, legal, regulatory, supplier, commercial or operational reasons. Where required by law, we will provide notice of any such changes in advance.

6. Calling service

6.1 The calling service allows eligible Users to make calls through the App to supported destinations using Calling Credit. Calls may be carried over the internet, telecommunications networks and third-party carrier routes.

6.2 Call quality and availability can be affected by your device, internet connection, mobile network, destination network, carrier routing, power supply, software version, firewall, geographic location and other factors outside our control.

6.3 FroggyTalk is not a replacement for your ordinary fixed-line, mobile or emergency telephone service. Unless we expressly state otherwise and are legally required to support it, the calling service must not be used for emergency calls, including calls to 112, 911, 999 or other emergency numbers. In an emergency, use a standard fixed-line or mobile phone service capable of reaching the relevant emergency services.

6.4 We may block, restrict or surcharge calls to certain destinations or number ranges, including premium-rate numbers, satellite numbers, short codes, emergency numbers, special service numbers, high-risk destinations, numbers associated with fraud or abuse, or destinations not supported by our carriers.

6.5 Caller ID, call connection, ring tone, call duration information, billing records and call completion may depend on third-party networks. We do not guarantee that caller ID will be displayed, accurate or accepted by the destination network.

6.6 You must not use the calling service for auto-dialling, call centres, telemarketing, spam, harassment, nuisance calls, fraud, unlawful recording, impersonation, emergency calling workarounds, reselling, bulk traffic generation, traffic pumping, bypass, SIM-box activity or any use that breaches law, carrier rules or these Terms.

6.7 You are responsible for complying with applicable laws on call recording, consent, privacy, telecommunications, marketing, sanctions and export controls in every country from which, to which or in which you use the calling service.

7. Calling Credit, vouchers, prices and expiry

7.1 You must purchase or redeem Calling Credit to use paid calling services, unless we make a Service available free of charge or on promotional terms.

7.2 You can purchase Calling Credit directly in the App or via the website by selecting a credit amount or package and completing payment using one of the payment methods shown at checkout. Once your payment is confirmed by our payment processor or app-store provider, Calling Credit will normally be added to your Account immediately or within a few minutes of confirmation. You will receive a purchase confirmation by email or in-app notification. If Calling Credit has not appeared in your Account within 30 minutes of a confirmed payment, please contact us at support@froggytalk.com and include a proof of payment.

7.3 Calling Credit is a closed-use prepaid credit for eligible FroggyTalk calling services only. It is not a bank account, deposit, payment account, electronic money, money remittance service, investment, gift card for general use or stored-value product redeemable for cash. Unless we expressly state otherwise, Calling Credit cannot be used for bill payments, withdrawn, transferred to another user or exchanged for money.

7.4 Call charges are deducted from your Calling Credit based on the applicable destination rate, call duration, connection fee, taxes, surcharges, billing increment and any other price element shown or referred to before purchase or use. Calls may be rounded up to the nearest billing increment.

7.5 Rates may vary by destination, number type, route, carrier, time, currency, taxes and promotions. We may change rates at any time. The applicable rate is the rate made available in the App or on our website at or shortly before the relevant call, unless a specific promotion states otherwise.

7.6 Your displayed balance is provided for convenience and may be updated after delayed call detail records, carrier records, refunds, adjustments, fraud checks or corrections. If a technical or billing error creates an incorrect balance, we may correct it. If your Account becomes negative because of delayed records or an error, we may deduct the shortfall from future credits or require payment, to the extent permitted by law.

7.7 Purchased Calling Credit remains valid for twelve (12) months from the date of your last Account Activity.

7.8 Account Activity means either:

the purchase of Calling Credit;
the use of Calling Credit to initiate or complete a call via the FroggyTalk platform; or
the completion of a bill payment request.

7.9 If no Account Activity occurs during a continuous period of twelve (12) months, any remaining unused Calling Credit will automatically expire and be forfeited, and your balance will be reset to zero (0) on the anniversary of the last Account Activity, without compensation, reimbursement or reinstatement, except where required by applicable mandatory law.

7.10 You are responsible for maintaining Account Activity to preserve your Calling Credit balance. We will use reasonable efforts to send advance notice of impending expiry, including one notification approximately thirty (30) days before expiry and one notification approximately three (3) days before expiry. Failure to receive a notification, for example because your contact details are outdated, notifications are disabled or emails are filtered, does not prevent expiry where expiry is otherwise permitted by law.

7.11 Promotional credits, bonus credits, referral credits, goodwill credits, trial credits and Vouchers may have shorter validity periods, additional conditions, destination restrictions, usage limits and non-refundability terms. If no validity period is stated, we may apply a reasonable promotional validity period and may withdraw unused promotional credits where a promotion is withdrawn, abused or expires.

7.12 Vouchers and promotional credits have no cash value, are not refundable, may not be resold and may be cancelled if obtained or used fraudulently, unlawfully, in breach of promotional terms or contrary to the purpose of the promotion.

8. Payments, taxes, receipts and payment processors

8.1 Prices, rates and fees are displayed in the App, on our website, in the relevant order flow or in service-specific terms. Unless stated otherwise, prices shown to Consumers are inclusive of VAT.

8.2 You must use a payment method that you are authorised to use. You authorise us, our app-store provider, our payment processor or the relevant Service Provider to charge your selected payment method for purchases, fees, taxes, surcharges and any other amounts due.

8.3 Payments may be processed by third-party payment processors, banks, card schemes, mobile money providers, app stores or other payment intermediaries. Their terms, privacy notices, fees, refund processes and dispute processes may apply in addition to these Terms.

8.4 We may perform fraud, sanctions, risk, identity, payment and transaction monitoring checks. We may refuse, delay, reverse, limit or cancel a transaction where required or reasonably appropriate for security, compliance, risk management, supplier rules, fraud prevention or legal reasons.

8.5 If you purchase through Apple App Store, Google Play or another app store, the app-store provider may be the merchant of record and may control billing, tax calculation, cancellation and refunds. You must follow the relevant app-store process for refunds or payment disputes where applicable.

8.6 You are responsible for any foreign exchange costs, bank fees, card fees, payment processor fees, chargeback fees, mobile money fees, taxes or other third-party costs associated with your payment method, except to the extent mandatory law provides otherwise.

8.7 We may provide receipts, confirmations and notices electronically through the App, by email, SMS, push notification or other durable medium where required by law. You should keep copies for your records.

9. Consumer withdrawal rights and refund policy

Right to withdrawal

9.1 If you are a Consumer and purchase Services online, you may have a statutory right to withdraw from the purchase within fourteen (14) days without giving a reason, unless an exception applies (the Service has been fully performed, Calling Credit has been used, a bill payment has been completed, or another legal exception applies).

9.2 Where you wish to withdraw from a purchase, you may do so within fourteen (14) days of the purchase date by:

informing us of your decision to withdraw by an unequivocal statement via email to support@froggytalk.com. You may use the template withdrawal form (see appendix), but it is not obligatory.

Exceptions

9.3 By choosing to use Calling Credit immediately after purchase, you expressly request that we begin performance before the end of any withdrawal period. You acknowledge that this may reduce or, where the Service has been fully performed or digital content has been supplied as legally required, remove your right to withdraw or receive a refund.

9.4 We will not refund:

Calling Credit that has been used, expired, forfeited, transferred in breach of these Terms or credited as a promotion, bonus or goodwill gesture;
completed calls, except where a verified technical or billing error occurred;
completed bill payments, airtime top-ups, utility payments, data bundles or similar transactions once the Service Provider confirms completion, unless the Service Provider permits reversal or mandatory law requires a refund;
fees charged by banks, app stores, payment processors, card schemes, mobile operators or other third parties, except where mandatory law requires otherwise; or
transactions connected to fraud, abuse, breach of these Terms, unauthorised resale, chargeback abuse or unlawful activity.

9.5 Refund requests submitted after the fourteen (14) day period may be considered at our sole discretion and do not create an obligation to provide a refund, unless mandatory law requires otherwise.

Effects of withdrawal

9.6 Where a refund is granted, we shall reimburse all payments received from you.

9.7 Refunds will normally be made to the original payment method. Refund timing may depend on banks, app stores, card schemes, mobile money operators, payment processors and Service Providers, but FroggyTalk will use best efforts to reimburse payment without undue delay and in any event not later than 14 days from the day on which we are informed about your decision to withdraw.

9.8 If you believe a call was incorrectly charged because of a technical fault, you must contact us within thirty (30) days of the charge and provide reasonable details. If we verify an error, we may restore Calling Credit, issue a credit adjustment or refund the relevant amount.

9.9 Nothing in these Terms affects your mandatory statutory rights, including rights relating to Services not performed with reasonable care and skill, lack of conformity, defective digital services or other rights that cannot be excluded by contract.

10. Billing disputes and chargebacks

10.1 If you have a billing dispute, error or claim relating to a transaction, you must first contact us at support@froggytalk.com and provide reasonable details so that we can investigate. This does not limit any mandatory statutory rights you may have.

10.2 We will use commercially reasonable efforts to investigate and resolve billing disputes in good faith within a reasonable timeframe. We may request screenshots, transaction IDs, receipts, call records, destination numbers, account numbers, payment confirmations or other information needed to investigate.

10.3 If you initiate a chargeback, payment dispute, reversal or payment-provider complaint without first giving us a reasonable opportunity to investigate, or if the chargeback is fraudulent, abusive or inconsistent with these Terms, we may, to the extent permitted by law:

contest the chargeback or dispute;
suspend, restrict or terminate your Account;
deduct the disputed amount from your balance;
recover chargeback fees, payment processor fees, administrative costs and other reasonable costs; and
refuse future purchases or require alternative payment methods.

10.4 Nothing in this clause prevents you from exercising mandatory rights with your card issuer, bank, app store, payment provider, consumer authority or court where those rights cannot be waived.

11. Bill Payment Solution and commercial agency model

11.1 The Bill Payment Solution allows you to request or arrange payments or purchases from Service Providers, including, where available, airtime, mobile data, electricity, utilities, television, internet, subscription, public-service, private-service or other biller services.

11.2 To submit a bill payment, select the relevant Service Provider and service type in the App or the website, enter the required payment details and confirm the transaction. Once submitted, FroggyTalk will forward your payment request to the relevant Service Provider or payment provider. Most bill payments are processed within 30 minutes, although the time for the Service Provider to apply the payment to your account may vary. FroggyTalk does not guarantee that a payment will be processed within any specific timeframe. You will receive a transaction confirmation by email or in-app notification once your request has been processed.

11.3 Unless we expressly state that FroggyTalk is the supplier of a particular product or service, the underlying biller service is supplied by the relevant Service Provider, not by FroggyTalk. Your rights in relation to the underlying service, including activation, delivery, quality, continuity, tariff, disconnection, reconnection, reversal and service failure, are primarily against the relevant Service Provider.

11.4 For Bill Payment Solution transactions, FroggyTalk or Appbeam Technology B.V acts, where applicable, as a disclosed commercial agent or representative of one party only, generally the Service Provider or payee. FroggyTalk does not act as agent for both you and the Service Provider in the same transaction.

11.5 FroggyTalk is not a bank, electronic money institution, payment institution, money remittance provider, credit institution or provider of payment accounts. We do not provide regulated payment services unless we expressly state otherwise and hold, or operate through a third party holding, the required authorisation. Where a regulated payment service is involved, it is provided by the relevant licensed or exempt third-party payment service provider, bank, mobile money provider or other authorised entity.

11.6 Where FroggyTalk or Appbeam Technology B.V is authorised by a Service Provider to negotiate, conclude or facilitate the sale or purchase of the Service Provider service on behalf of that Service Provider, the Service Provider is responsible for the underlying service and for liabilities arising from the Service Provider service, except to the extent caused by FroggyTalk’s own breach of these Terms, fraud, wilful misconduct, gross negligence or liability that cannot be excluded by law.

11.7 You are responsible for checking all bill payment details before submitting a transaction, including Service Provider, country, currency, account number, meter number, phone number, customer reference, amount, beneficiary, product type and any fees. We are not responsible for losses caused by incorrect, incomplete or outdated details supplied by you, except where mandatory law provides otherwise.

11.8 Bill payment transactions may be irreversible once submitted, accepted, processed or completed by the Service Provider or payment provider. We do not guarantee that a completed transaction can be cancelled, reversed or refunded.

11.9 We do not guarantee that a bill payment will prevent late fees, penalties, disconnection, service interruption, reconnection delay or other consequences imposed by a Service Provider. You should allow enough time for processing and should verify directly with the Service Provider where timing is critical.

11.10 Transaction limits, supported Service Providers, supported countries, currencies, fees, exchange rates, verification requirements and risk controls may be subject to change based on regulatory requirements or instructions received by FroggyTalk from competent authorities, Service Providers or payment processors. We may refuse, delay, reverse, cancel or suspend a bill payment request where required or reasonably appropriate for fraud prevention, AML, sanctions, supplier rules, technical reasons, regulatory reasons or risk management.

11.11 If a bill payment fails and the Service Provider or payment provider returns funds to us, we will use reasonable efforts to credit or refund the returned amount to you, less any non-refundable fees or costs permitted by law. If the Service Provider does not return funds or disputes failure, your refund may depend on the Service Provider’s investigation and rules.

11.12 Some Bill Payment Solution services may be rendered, supported or facilitated through Appbeam Technology Limited in Nigeria. Appbeam may act as a local operating affiliate, technical support provider, supplier relationship manager, Service Provider agent or other disclosed role. The checkout screen, receipt or service-specific terms may identify Appbeam or the relevant Service Provider for a transaction.

11.13 Calling Credit is separate from bill payment funding. Unless we expressly state otherwise, Calling Credit cannot be used to pay third-party bills or other Service Provider products.

11.14 You must not use the Bill Payment Solution for money laundering, fraud, sanctions evasion, unauthorised transfers, cash-out activity, payment-card testing, stolen payment instruments, resale without approval, suspicious transactions or any unlawful purpose. We may report suspicious activity to competent authorities where legally required or permitted.

13. Radio and third-party content*

13.1 FroggyTalk may provide access to radio stations, programmes, or other third-party content. Unless we expressly state otherwise, FroggyTalk does not create, own, control, verify or manage that third-party content.

13.2 Availability, content, scheduling, accuracy, legality, rights clearance, moderation and quality of third-party content are the responsibility of the relevant third-party provider. We may remove, restrict or change access to third-party content at any time.

13.3 Third-party content is provided for convenience only and does not constitute FroggyTalk advice, endorsement, guarantee or recommendation. Any issues relating to third-party content should be directed to the relevant provider, although you may also notify us if you believe content is unlawful or harmful.

* third party content in this clause does not include user-generated content.

13A. Radio live chat and user-generated content

13A.1 The radio feature includes a live chat function that allows you to post text messages that are visible to other users accessing the same station or programme at the same time. By using the live chat, you acknowledge that your messages are publicly visible to other users and agree to the rules set out in this Section and Section 14.

13A.2 You are solely responsible for the content of any message you post in the live chat. You must not post content that:

is unlawful, harmful, threatening, abusive, harassing, defamatory, discriminatory or hateful;
infringes the intellectual property rights, privacy or other rights of any third party;
contains spam, advertising, commercial solicitation or unsolicited promotions;
involves impersonation of any person or entity; or
is otherwise in breach of these Terms or applicable law.

13A.3 FroggyTalk uses a combination of automated tools and human review to detect, flag and remove content that violates these Terms or applicable law. Automated systems may flag content based on keywords, patterns or reported activity. Flagged content is reviewed by FroggyTalk staff where appropriate. We may remove or restrict access to content at any time and without prior notice where we reasonably consider it to be in breach of these Terms or applicable law.

13A.4 If you believe that content posted through the live chat or any Community Feature is unlawful, harmful or violates these Terms, you can notify us through the customer support channels in the App or website, or by sending an email to support@froggytalk.com. Your report should include enough information for us to identify and review the content, such as a description of the content, the station or programme, the date and time, a screenshot where available, and the reason for your report.

13A.5 You can contact FroggyTalk directly in connection with the live chat, user-generated content and other Services through:

email: support@froggytalk.com; or
through the customer support channels in the App or the website; and
any other contact channel we make available from time to time, such as WhatsApp or live chat. These channels are not exclusively automated, and users may request human review where appropriate.

13A.6 If FroggyTalk removes your User Content, restricts its visibility, or restricts your access to the live chat or other Community Features, you may contact us using the contact details in Section 13A.5 to request a review of that decision. Where required by applicable law, we will provide information about the decision and any available review or complaint options.

13.B Restrictions on use of Community Features

You must not use the Radio service, Community Features or any other part of FroggyTalk to provide, upload, post, send, share, promote or make available any User Content that:

is unlawful, fraudulent, misleading, harmful, threatening, abusive, harassing, hateful, discriminatory, defamatory, obscene or violent;
promotes terrorism, extremism, violence, self-harm, human trafficking, exploitation, fraud, scams or other illegal activity;
contains child sexual abuse material, sexually exploitative content, or any content that endangers children;
infringes intellectual property rights, privacy rights, publicity rights, confidentiality obligations or any other third-party rights;
contains another person’s personal data, contact details, financial information, identity documents, images, recordings or private information without a lawful basis or that person’s permission;
impersonates another person, misrepresents your identity, or falsely suggests an affiliation with FroggyTalk, a radio partner, public authority or another organisation;
contains spam, malware, phishing links, unauthorised advertising, chain messages, bots, scraping activity, mass messaging or other abusive technical behaviour;
disrupts, overloads, manipulates or interferes with the Radio service, Community Features, FroggyTalk systems, other users or third-party networks;
is intended to bully, shame, intimidate, exploit or target another person or community;
encourages users to leave FroggyTalk for unsafe, fraudulent or unauthorised services; or
otherwise breaches these Terms, our Privacy Policy, our community rules, applicable law, platform rules or reasonable instructions issued by FroggyTalk.

14. Acceptable use rules

14.1 You must use the Services lawfully, responsibly and in accordance with these Terms, all applicable laws and all reasonable instructions or policies we publish.

14.2 You must not:

use the Services for fraud, money laundering, terrorist financing, sanctions evasion, scams, illegal gambling, illegal goods, harassment, threats, nuisance, abuse, impersonation or unlawful surveillance;
use stolen, unauthorised, false or misleading account, identity, payment, beneficiary or transaction information;
interfere with, disrupt, overload, scan, scrape, reverse engineer, decompile, copy, modify, bypass, exploit, test vulnerabilities in or gain unauthorised access to the App, Services, networks or systems;
resell, wholesale, route, aggregate, automate or commercially exploit calls, credits, bill payment access without our written consent;
send spam, unsolicited communications, automated calls, traffic pumping, artificially inflated traffic, SIM-box traffic or other abusive telecommunications traffic;
upload malware, malicious prompts, harmful code or content that infringes rights or violates law;
use the Services in breach of carrier, Service Provider, payment processor, app-store or AI-provider rules;
attempt to avoid charges, create false balances, manipulate call records, exploit promotions or abuse refunds or chargebacks;
misrepresent your location, identity, age, authority, affiliation or transaction purpose; or
use the Services in any country or for any destination where such use is unlawful, restricted or subject to sanctions.

14.3 We may monitor usage patterns and take reasonable steps to detect and prevent abuse, fraud, security incidents, illegal activity and breach of these Terms, subject to applicable privacy laws.

15. Availability, maintenance, suspension and changes to services

15.1 We aim to provide reliable Services, but we do not guarantee that the Services will be uninterrupted, error-free, secure, available in every location or compatible with every device, network, operating system or third-party service.

15.2 We may perform maintenance, updates, upgrades, security fixes and operational changes. Where reasonably practicable, we may provide advance notice of material planned interruptions, but we are not required to do so for urgent, security, supplier or emergency work.

15.3 We may suspend, restrict or terminate all or part of the Services or your Account immediately where we reasonably believe that:

you breached these Terms or applicable law;
there is fraud, abuse, payment risk, chargeback risk, security risk, AML risk, sanctions risk or regulatory risk;
your use harms or may harm FroggyTalk, other users, Service Providers, networks, carriers, payment processors, or the public;
we are required or requested to do so by law, court order, regulator, law enforcement, Service Provider, payment processor, carrier, app store;
your Account information is inaccurate, incomplete or cannot be verified;
continuing to provide the Service would create technical, operational, legal or commercial risk.

15.4 Suspension or termination does not affect amounts already due, completed transactions, fraud investigations, legal obligations or rights and liabilities that have already arisen, unless applicable statutory law requires otherwise.

16. Privacy, communications data and international processing

16.1 We process personal data in accordance with our Privacy Policy, Cookie Policy and applicable data-protection laws. For more information on how we process personal data, please read our Privacy Policy and Cookie Policy.

17. Appbeam Technology Limited and other FroggyTalk Group support

17.1 FroggyTalk may use FroggyTalk Group companies, including Appbeam Technology Limited in Nigeria, to provide development, operations, customer support, technical maintenance, supplier management, compliance support, fraud monitoring, bill payment facilitation and other services.

17.2 Unless a transaction screen, receipt or service-specific terms state that Appbeam Technology Limited or another FroggyTalk Group company is the contracting party for a specific transaction, your contract under these Terms is with the FroggyTalk contracting entity identified in clause 1.

17.3 Where Appbeam Technology Limited acts as a disclosed local agent, operating partner or contracting party for a specific Bill Payment Solution transaction, the applicable transaction screen, receipt or service-specific terms should identify that role and any additional terms that apply.

17.4 FroggyTalk remains responsible to you for the performance of its obligations under these Terms, subject to the limitations and exclusions in these Terms and except to the extent a separate entity is expressly identified as the contracting party for the relevant transaction.

17.5 FroggyTalk Group personnel may have access to systems or data, but only for authorised business purposes. FroggyTalk Group personnel is subject to appropriate confidentiality, security and data-protection obligations.

18. Third-party services, app stores and integrations

18.1 The Services may rely on or integrate with third-party services, including telecommunications carriers, network operators, payment processors, banks, mobile money providers, app stores, cloud providers, analytics providers, billers, utilities, radio stations and other Service Providers.

18.2 Third-party services may be subject to their own terms, privacy notices, fees, service levels, restrictions, eligibility rules, refund rules and support processes. You are responsible for complying with those terms where they apply to you.

18.3 We are not responsible for third-party services, outages, delays, pricing, errors, security incidents, data practices, content, refusals, restrictions, reversals or failures, except to the extent caused by our own breach of these Terms or where mandatory law provides otherwise.

19. Intellectual property rights

19.1 The App, Services, software, source code, object code, user interface, designs, logos, trade marks, trade names, databases, documentation, content, algorithms, prompts, workflows and other materials are owned by or licensed to FroggyTalk or its licensors and are protected by intellectual property and other laws.

19.2 Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable licence to install and use the App and access the Services for your personal lawful use or, if you are a business user, your internal business use.

19.3 You must not copy, modify, adapt, translate, decompile, reverse engineer, disassemble, extract source code from, sell, rent, lease, sublicense, distribute, scrape, frame, mirror or create derivative works from the website, App or Services, except to the extent permitted by applicable mandatory law.

19.4 If you submit feedback, suggestions or ideas, you grant us a perpetual, worldwide, royalty-free licence to use them without restriction or compensation, provided we do not use your personal data except as permitted by our Privacy Policy and applicable data protection laws and regulations.

19.5 You retain rights in content that you lawfully submit to the Services. You grant FroggyTalk and its Service Providers a licence to host, process, transmit, display, reproduce, modify and use that content as necessary to provide, secure, support and improve the Services and as otherwise described in these Terms and the Privacy Policy.

20. Warranties, disclaimers and user responsibility

20.1 We will provide the Services with reasonable care and skill as required by applicable law. However, the Services are provided subject to the limitations in these Terms and the technical and third-party dependencies described above.

20.2 We do not guarantee that the Services will meet every need, be uninterrupted, be error-free, achieve any particular result, connect every call, complete every bill payment, be available in every country, support every device or remain unchanged over time.

20.3 You are responsible for your device, internet connection, account security, payment details, bill payment details, destination numbers, compliance with law and all decisions or actions you take based on the Services.

20.4 Any examples, estimates, rates, delivery times, directory information, radio content, provider information and support responses are provided for information only and may be subject to change or verification.

21. Liability

21.1 Nothing in these Terms excludes or limits liability where it would be unlawful to do so, including liability for fraud, intentional misconduct, deliberate recklessness, death or personal injury caused by negligence, mandatory consumer rights, data-protection liability that cannot be limited by contract, or any other liability that cannot be excluded or limited under applicable law.

21.2 If you are a Consumer, we are responsible for foreseeable loss and damage caused by our breach of these Terms or failure to use reasonable care and skill. We are not responsible for loss or damage that is not foreseeable, business losses, loss of profit, loss of revenue, loss of goodwill, loss of opportunity, loss caused by your own error or device, or loss caused by third parties outside our reasonable control, except where mandatory law provides otherwise.

21.3 If you are not a Consumer, to the maximum extent permitted by law, FroggyTalk is not liable for indirect, incidental, special, punitive, exemplary or consequential loss, loss of profits, revenue, business, goodwill, anticipated savings, data, contracts, opportunity or reputation, or business interruption.

21.4 To the maximum extent permitted by law, our total aggregate liability arising out of or relating to the Services, these Terms or any transaction is limited to the greater of:

the amount you paid to FroggyTalk for the affected Service during the twelve (12) months before the event giving rise to the claim; or
EUR 100.

21.5 For the Bill Payment Solution, FroggyTalk is not liable for the underlying Service Provider service, including service quality, fulfilment, connection, reconnection, outage, account application, bill accuracy, tariffs, late fees, penalties or provider refusal. Our liability is limited to our own platform errors, failure to process in accordance with these Terms or amounts we actually recover from the Service Provider or payment provider, except where mandatory law provides otherwise.

21.6 We are not liable for losses caused by:

incorrect account numbers, phone numbers, meter numbers, destination numbers, beneficiary details, amounts or other information supplied by you;
unsupported destinations, blocked number ranges, carrier failures or Service Provider failures;
your breach of these Terms, unlawful use, fraud, negligence or failure to keep your Account secure;
network outages, internet failures, power failures, device issues, app-store issues, payment processor issues or third-party service failures;
force majeure events or circumstances beyond our reasonable control.

22. User indemnity

22.1 If you are a business user, you agree to indemnify and hold harmless FroggyTalk, FroggyTalk Group companies, directors, employees, contractors and Service Providers from claims, losses, damages, liabilities, fines, penalties, costs and expenses arising from your breach of these Terms, unlawful use of the Services, fraud, misuse of payment methods, misuse of the Bill Payment Solution, infringement of third-party rights, violation of law or misuse of third-party services.

22.2 If you are a Consumer, this indemnity applies only to the extent permitted by mandatory law and only for losses caused by your unlawful conduct, fraud, intentional misconduct, gross negligence or material breach of these Terms.

23. Termination and account closure

23.1 You may stop using the Services at any time. You may request Account closure by using the “Delete Account” button on the FroggyTalk App or contacting support@froggytalk.com, subject to identity verification, fraud checks, unresolved transactions, legal retention obligations and outstanding amounts.

23.2 We may suspend or terminate your Account or access to the Services in accordance with clause 15, including for breach, fraud, non-payment, chargeback abuse, security risk, regulatory risk, sanctions risk, prolonged inactivity or discontinuance of Services.

23.3 Account closure does not automatically entitle you to a refund of used, expired, promotional or non-refundable credits or completed transactions. Any refund is governed by clause 9 and mandatory law.

23.4 After termination or closure, we may retain records as required or permitted for legal, tax, accounting, fraud prevention, dispute, regulatory, security and legitimate business purposes, as described in our Privacy Policy.

24. Changes to these Terms

24.1 We may update these Terms from time to time for legal, regulatory, technical, security, supplier, product, commercial or operational reasons.

24.2 We will publish the updated Terms in the App or on our website. Where required by law or where the change is material and adverse to Consumers, we will provide reasonable advance notice by email, in-app notice, push notification or other appropriate means.

24.3 The updated Terms apply from the effective date stated in the notice or, if no date is stated, from the date they are published, except where mandatory law requires a different approach.

24.4 If you do not agree to updated Terms, you must stop using the Services and may close your Account. Where mandatory law gives you a right to cancel or receive a refund for unused paid Services because of a change, we will honour that right.

24.5 Changes will not reduce rights that have already accrued for completed transactions, unless required or permitted by law.

25. Complaints, customer support and dispute handling

25.1 You can contact us about complaints, billing disputes, refund requests, technical issues or other support matters at support@froggytalk.com or through the customer support channels in the App or the website.

25.2 In case of an issue, we may require that you provide enough information for us to investigate, such as Account details, transaction IDs, receipts, call date and time, destination number, biller, account or meter number, screenshots and a clear description of the issue.

25.3 We will use reasonable efforts to respond to complaints within a reasonable period. Complex issues involving Service Providers, carriers, app stores, payment processors or fraud investigations may take longer.

25.4 We are not currently affiliated with a specific Dutch consumer disputes committee unless we state otherwise on our website. This does not affect your right to contact a competent consumer authority, regulator, court or other body where mandatory law gives you that right.

26. Governing law and jurisdiction

26.1 These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of the Netherlands.

26.2 If you are a Consumer resident outside the Netherlands, nothing in these Terms deprives you of protection afforded by mandatory provisions of the law of your country of habitual residence.

26.3 Disputes will be submitted to the competent courts of the Netherlands, unless mandatory consumer law allows or requires you to bring proceedings in another court, including the courts of your country of habitual residence.

26.4 You and FroggyTalk will first try to resolve disputes in good faith through customer support, unless urgent legal action, regulatory action or mandatory law requires otherwise.

27. Miscellaneous

27.1 We may assign, transfer or subcontract our rights and obligations under these Terms to a FroggyTalk Group company, successor, purchaser, merger partner, financing party or service provider, provided this does not materially reduce your mandatory rights. You may not assign or transfer your Account or rights under these Terms without our prior written consent, unless mandatory law allows otherwise.

27.2 We are not responsible for failure or delay caused by events beyond our reasonable control, including network failure, carrier failure, internet outage, power failure, Service Provider failure, app-store failure, payment-system failure, cyberattack, labour dispute, war, civil unrest, sanctions, epidemic, natural disaster, government action or regulatory change.

27.3 If any provision of these Terms is found invalid, unlawful or unenforceable, the remaining provisions remain in effect. The invalid provision will be interpreted or replaced to achieve as closely as possible the original commercial and legal purpose, to the extent permitted by law.

27.4 Our failure to enforce a provision is not a waiver of our right to enforce it later.

27.5 These Terms, together with any service-specific terms, transaction terms, Privacy Policy references, Cookie Policy references and app-store terms that apply, form the agreement between you and FroggyTalk for the Services.

27.6 If these Terms are made available in multiple languages, the English version applies unless we state otherwise or mandatory law requires a different language version to prevail.

Schedule 1 – Model withdrawal form

Complete and send this form only if you wish to withdraw from a purchase and you have a legal right to withdraw. You may send it to support@froggytalk.com or any other address we specify for withdrawals.

To: FroggyTalk / Appbeam Technology B.V
Koninginnegracht 10, 2514AA ‘s-Gravenhage, The Netherlands.

I hereby give notice that I withdraw from my contract for the purchase of the following service or credit:

Ordered on:

Name of consumer:

Address of consumer:

FroggyTalk Account email or phone number:

Transaction ID / receipt number:

Signature of consumer (only if this form is notified on paper):

Date:

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